The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 BBG001S5N9M6 295,662 2,712 SH   SOLE   0 0 2,712
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 357,175 2,651 SH   SOLE   0 0 2,651
ALLOGENE THERAPEUTICS INC COM 019770106 BBG00KHRRDY2 374,564 75,365 SH   SOLE   0 0 75,365
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 2,148,376 17,948 SH   SOLE   0 0 17,948
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 728,481 6,022 SH   SOLE   0 0 6,022
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,875,229 14,385 SH   SOLE   0 0 14,385
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 728,520 8,652 SH   SOLE   0 0 8,652
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 687,655 3,546 SH   SOLE   0 0 3,546
AMGEN INC COM 031162100 BBG001S5NNL6 5,308,347 23,909 SH   SOLE   0 0 23,909
APPLE INC COM 037833100 BBG001S5N8V8 23,498,876 121,147 SH   SOLE   0 0 121,147
AUTODESK INC COM 052769106 BBG001S5SCD4 519,914 2,541 SH   SOLE   0 0 2,541
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 752,370 26,224 SH   SOLE   0 0 26,224
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 507,408 1,488 SH   SOLE   0 0 1,488
BLACKROCK INC COM 09247X101 BBG001SDBP55 1,165,040 1,686 SH   SOLE   0 0 1,686
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 918,112 340 SH   SOLE   0 0 340
BOSTON SCIENTIFIC CORP COM 101137107 BBG001S63L94 735,894 13,605 SH   SOLE   0 0 13,605
BROADCOM INC COM 11135F101 BBG00KHY5SY8 1,296,968 1,495 SH   SOLE   0 0 1,495
CAPITAL ONE FINL CORP COM 14040H105 BBG001S65PV8 851,470 7,785 SH   SOLE   0 0 7,785
CISCO SYS INC COM 17275R102 BBG001S6HC62 810,559 15,666 SH   SOLE   0 0 15,666
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,303,936 21,653 SH   SOLE   0 0 21,653
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 885,919 8,551 SH   SOLE   0 0 8,551
CONSTELLATION BRANDS INC CL A 21036P108 BBG001SD31G5 512,405 2,082 SH   SOLE   0 0 2,082
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 351,268 652 SH   SOLE   0 0 652
CSX CORP COM 126408103 BBG001S5Q7Q3 927,135 27,189 SH   SOLE   0 0 27,189
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 739,944 10,704 SH   SOLE   0 0 10,704
DELTA AIR LINES INC DEL COM NEW 247361702 BBG001SPT759 842,219 17,716 SH   SOLE   0 0 17,716
DISNEY WALT CO COM 254687106 BBG001S5QHF3 800,986 8,972 SH   SOLE   0 0 8,972
DOLLAR GEN CORP NEW COM 256677105 BBG001T5BM30 687,207 4,048 SH   SOLE   0 0 4,048
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 313,706 2,925 SH   SOLE   0 0 2,925
FEDEX CORP COM 31428X106 BBG001S5R3M5 673,498 2,717 SH   SOLE   0 0 2,717
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 19,854,763 437,137 SH   SOLE   0 0 437,137
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQ 33740F755 BBG00VC9SZ91 2,249,719 89,845 SH   SOLE   0 0 89,845
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888 BBG00L2NXWJ3 219,174 9,068 SH   SOLE   0 0 9,068
FIRSTENERGY CORP COM 337932107 BBG001S5R3N4 630,035 16,205 SH   SOLE   0 0 16,205
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 12,059,546 300,962 SH   SOLE   0 0 300,962
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 846,428 2,624 SH   SOLE   0 0 2,624
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 1,148,511 5,535 SH   SOLE   0 0 5,535
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 615,492 1,800 SH   SOLE   0 0 1,800
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 5,205,254 91,400 SH   SOLE   0 0 91,400
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 690,390 10,228 SH   SOLE   0 0 10,228
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 12,204,591 122,475 SH   SOLE   0 0 122,475
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 267,872 601 SH   SOLE   0 0 601
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 240,859 2,459 SH   SOLE   0 0 2,459
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 242,295 4,713 SH   SOLE   0 0 4,713
ISHARES TR INTL DIV GRWTH 46435G524 BBG00CX80QM7 305,697 4,929 SH   SOLE   0 0 4,929
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 4,127,994 28,617 SH   SOLE   0 0 28,617
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 632,598 3,378 SH   SOLE   0 0 3,378
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 242,543 3,441 SH   SOLE   0 0 3,441
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 544,923 3,381 SH   SOLE   0 0 3,381
JOHNSON CTLS INTL PLC SHS G51502105 BBG001S5WZ84 1,025,707 15,053 SH   SOLE   0 0 15,053
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,275,431 8,769 SH   SOLE   0 0 8,769
LAUDER ESTEE COS INC CL A 518439104 BBG001S8L5H6 583,583 2,972 SH   SOLE   0 0 2,972
LILLY ELI & CO COM 532457108 BBG001S5STL8 943,588 2,012 SH   SOLE   0 0 2,012
LINDE PLC SHS G54950103 BBG01FND0CH6 985,232 2,585 SH   SOLE   0 0 2,585
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 325,028 706 SH   SOLE   0 0 706
LOWES COS INC COM 548661107 BBG001S5SVL3 210,352 932 SH   SOLE   0 0 932
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 323,293 822 SH   SOLE   0 0 822
MCDONALDS CORP COM 580135101 BBG001S5T110 222,912 747 SH   SOLE   0 0 747
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 1,626,417 3,806 SH   SOLE   0 0 3,806
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,451,302 12,577 SH   SOLE   0 0 12,577
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 2,079,457 7,246 SH   SOLE   0 0 7,246
METLIFE INC COM 59156R108 BBG001S5T3R8 594,404 10,515 SH   SOLE   0 0 10,515
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,118,627 6,221 SH   SOLE   0 0 6,221
NETFLIX INC COM 64110L106 BBG001SF6L46 1,252,313 2,843 SH   SOLE   0 0 2,843
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 329,967 4,447 SH   SOLE   0 0 4,447
NIKE INC CL B 654106103 BBG001S6NTK2 543,949 4,928 SH   SOLE   0 0 4,928
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 3,331,788 7,876 SH   SOLE   0 0 7,876
ORACLE CORP COM 68389X105 BBG001S5SJG6 498,392 4,185 SH   SOLE   0 0 4,185
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 1,341,044 5,249 SH   SOLE   0 0 5,249
PAYCHEX INC COM 704326107 BBG001S5V135 342,474 3,061 SH   SOLE   0 0 3,061
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 699,597 10,484 SH   SOLE   0 0 10,484
PFIZER INC COM 717081103 BBG001S5V466 989,530 26,977 SH   SOLE   0 0 26,977
PHILLIPS 66 COM 718546104 BBG00286S4P7 668,693 7,011 SH   SOLE   0 0 7,011
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,407,959 9,279 SH   SOLE   0 0 9,279
RESEARCH SOLUTIONS INC COM 761025105 BBG001T30MS0 65,386 32,052 SH   SOLE   0 0 32,052
ROCKWELL AUTOMATION INC COM 773903109 BBG001S5VRF5 549,703 1,669 SH   SOLE   0 0 1,669
SALESFORCE INC COM 79466L302 BBG001SDLP09 1,749,233 8,280 SH   SOLE   0 0 8,280
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 627,677 11,074 SH   SOLE   0 0 11,074
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 18,656,786 355,842 SH   SOLE   0 0 355,842
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 BBG001TC9HP5 923,963 17,139 SH   SOLE   0 0 17,139
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 761,112 1,717 SH   SOLE   0 0 1,717
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 335,429 12,981 SH   SOLE   0 0 12,981
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 13,573,214 222,475 SH   SOLE   0 0 222,475
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 14,520,412 336,121 SH   SOLE   0 0 336,121
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 1,568,175 20,377 SH   SOLE   0 0 20,377
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,723,033 22,322 SH   SOLE   0 0 22,322
STARBUCKS CORP COM 855244109 BBG001S72KH6 1,170,495 11,816 SH   SOLE   0 0 11,816
TE CONNECTIVITY LTD SHS H84989104 BBG001STLRP3 1,124,158 8,021 SH   SOLE   0 0 8,021
TESLA INC COM 88160R101 BBG001SQKGD7 658,352 2,515 SH   SOLE   0 0 2,515
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 1,305,651 4,653 SH   SOLE   0 0 4,653
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 991,132 1,900 SH   SOLE   0 0 1,900
TJX COS INC NEW COM 872540109 BBG001S5WQ93 1,068,460 12,601 SH   SOLE   0 0 12,601
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 1,138,954 26,383 SH   SOLE   0 0 26,383
UNION PAC CORP COM 907818108 BBG001S5X2M0 1,054,563 5,154 SH   SOLE   0 0 5,154
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 1,926,181 25,489 SH   SOLE   0 0 25,489
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 824,119 2,912 SH   SOLE   0 0 2,912
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 5,018,114 36,263 SH   SOLE   0 0 36,263
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 12,418,855 148,622 SH   SOLE   0 0 148,622
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 399,949 982 SH   SOLE   0 0 982
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 229,918 1,618 SH   SOLE   0 0 1,618
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,462,019 35,940 SH   SOLE   0 0 35,940
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 731,756 14,571 SH   SOLE   0 0 14,571
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 5,102,618 90,988 SH   SOLE   0 0 90,988
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 246,093 5,329 SH   SOLE   0 0 5,329
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 13,582,285 180,880 SH   SOLE   0 0 180,880
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 217,297 5,843 SH   SOLE   0 0 5,843
VISA INC COM CL A 92826C839 BBG001SRCFY3 2,630,984 11,079 SH   SOLE   0 0 11,079
WALMART INC COM 931142103 BBG001S5XH92 1,471,363 9,361 SH   SOLE   0 0 9,361
WYNN RESORTS LTD COM 983134107 BBG001SJZ2V8 954,861 9,041 SH   SOLE   0 0 9,041
ZOETIS INC CL A 98978V103 BBG0039320P7 804,579 4,672 SH   SOLE   0 0 4,672