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
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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
ABBVIE INC COM 00287Y109   615,125 3,806 SH   SOLE   3,806 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   630,543 2,363 SH   SOLE   2,363 0 0
ALPHABET INC CAP STK CL C 02079K107   303,013 3,415 SH   SOLE   3,415 0 0
ALPHABET INC CAP STK CL A 02079K305   438,503 4,970 SH   SOLE   4,970 0 0
AMAZON COM INC COM 023135106   612,444 7,291 SH   SOLE   7,291 0 0
AMGEN INC COM 031162100   690,218 2,628 SH   SOLE   2,628 0 0
APPLE INC COM 037833100   6,945,649 53,457 SH   SOLE   53,457 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108   393,240 5,800 SH   SOLE   5,800 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   859,360 2,782 SH   SOLE   2,782 0 0
BLACKROCK CR ALLOCATION INCO COM 092508100   380,164 37,640 SH   SOLE   37,640 0 0
BLACKSTONE INC COM 09260D107   373,866 5,039 SH   SOLE   5,039 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   325,718 4,527 SH   SOLE   4,527 0 0
BROADCOM INC COM 11135F101   1,762,749 3,153 SH   SOLE   3,153 0 0
BRUNSWICK CORP COM 117043109   238,945 3,315 SH   SOLE   3,315 0 0
CHEVRON CORP NEW COM 166764100   358,083 1,995 SH   SOLE   1,995 0 0
CISCO SYS INC COM 17275R102   464,158 9,743 SH   SOLE   9,743 0 0
CME GROUP INC COM 12572Q105   264,011 1,570 SH   SOLE   1,570 0 0
COCA COLA CO COM 191216100   677,909 10,657 SH   SOLE   10,657 0 0
CONSTELLATION BRANDS INC CL A 21036P108   468,779 2,023 SH   SOLE   2,023 0 0
CVS HEALTH CORP COM 126650100   311,255 3,340 SH   SOLE   3,340 0 0
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   3,977,660 188,069 SH   SOLE   188,069 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   31,174,526 1,153,757 SH   SOLE   1,153,757 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   15,555,634 374,654 SH   SOLE   374,654 0 0
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   866,459 21,051 SH   SOLE   21,051 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   26,122,196 1,043,219 SH   SOLE   1,043,219 0 0
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   391,851 8,196 SH   SOLE   8,196 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   478,277 10,377 SH   SOLE   10,377 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   428,246 17,638 SH   SOLE   17,638 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   6,424,503 125,601 SH   SOLE   125,601 0 0
DISNEY WALT CO COM 254687106   524,354 6,035 SH   SOLE   6,035 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   290,741 2,823 SH   SOLE   2,823 0 0
ETF SER SOLUTIONS NATIONWIDE S&P 26922B766   9,900,465 509,805 SH   SOLE   509,805 0 0
EXXON MOBIL CORP COM 30231G102   255,954 2,321 SH   SOLE   2,321 0 0
HOME DEPOT INC COM 437076102   654,462 2,072 SH   SOLE   2,072 0 0
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800   4,518,130 142,393 SH   SOLE   142,393 0 0
ISHARES GOLD TR ISHARES NEW 464285204   208,820 6,037 SH   SOLE   6,037 0 0
ISHARES TR CALIF MUN BD ETF 464288356   4,063,879 72,427 SH   SOLE   72,427 0 0
ISHARES TR NATIONAL MUN ETF 464288414   368,371 3,491 SH   SOLE   3,491 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   350,068 1,634 SH   SOLE   1,634 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,122,378 20,598 SH   SOLE   20,598 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   303,463 6,053 SH   SOLE   6,053 0 0
JOHNSON & JOHNSON COM 478160104   1,975,073 11,181 SH   SOLE   11,181 0 0
JPMORGAN CHASE & CO COM 46625H100   1,042,827 7,776 SH   SOLE   7,776 0 0
MCDONALDS CORP COM 580135101   519,945 1,973 SH   SOLE   1,973 0 0
MERCK & CO INC COM 58933Y105   318,094 2,867 SH   SOLE   2,867 0 0
MICROSOFT CORP COM 594918104   2,792,902 11,646 SH   SOLE   11,646 0 0
MONDELEZ INTL INC CL A 609207105   351,846 5,279 SH   SOLE   5,279 0 0
OCCIDENTAL PETE CORP COM 674599105   291,014 4,620 SH   SOLE   4,620 0 0
PEPSICO INC COM 713448108   538,186 2,979 SH   SOLE   2,979 0 0
PFIZER INC COM 717081103   256,866 5,013 SH   SOLE   5,013 0 0
PHILLIPS 66 COM 718546104   377,810 3,630 SH   SOLE   3,630 0 0
PIMCO MUN INCOME FD II COM 72200W106   216,960 24,000 SH   SOLE   24,000 0 0
PROCTER AND GAMBLE CO COM 742718109   1,280,814 8,451 SH   SOLE   8,451 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   203,152 2,013 SH   SOLE   2,013 0 0
SAMSARA INC COM CL A 79589L106   125,444 10,092 SH   SOLE   10,092 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847   707,441 36,674 SH   SOLE   36,674 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   464,190 20,704 SH   SOLE   20,704 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,782,598 55,343 SH   SOLE   55,343 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   8,330,317 126,967 SH   SOLE   126,967 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,771,557 43,731 SH   SOLE   43,731 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   34,277,030 453,760 SH   SOLE   453,760 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   11,473,228 256,042 SH   SOLE   256,042 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   376,552 5,051 SH   SOLE   5,051 0 0
SNOWFLAKE INC CL A 833445109   233,396 1,626 SH   SOLE   1,626 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   472,898 1,237 SH   SOLE   1,237 0 0
SPDR SER TR S&P DIVID ETF 78464A763   1,046,635 8,366 SH   SOLE   8,366 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   289,890 13,359 SH   SOLE   13,359 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   864,338 18,398 SH   SOLE   18,398 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   20,534,960 512,861 SH   SOLE   512,861 0 0
SSGA ACTIVE TR SPDR DBLELN SHRT 78470P200   17,992,173 390,413 SH   SOLE   390,413 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   431,595 5,794 SH   SOLE   5,794 0 0
TEXAS INSTRS INC COM 882508104   380,006 2,300 SH   SOLE   2,300 0 0
UNION PAC CORP COM 907818108   486,200 2,348 SH   SOLE   2,348 0 0
VANECK ETF TRUST CHINA BOND ETF 92189F379   221,350 10,000 SH   SOLE   10,000 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,913,162 15,237 SH   SOLE   15,237 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,717,844 12,753 SH   SOLE   12,753 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   618,929 7,504 SH   SOLE   7,504 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   281,988 4,877 SH   SOLE   4,877 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   206,622 2,748 SH   SOLE   2,748 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,455,938 9,588 SH   SOLE   9,588 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   727,089 17,324 SH   SOLE   17,324 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   1,374,707 7,176 SH   SOLE   7,176 0 0
WALKER & DUNLOP INC COM 93148P102   412,177 5,252 SH   SOLE   5,252 0 0
WALMART INC COM 931142103   544,930 3,843 SH   SOLE   3,843 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669   32,197,531 533,425 SH   SOLE   533,425 0 0
YUM BRANDS INC COM 988498101   207,362 1,619 SH   SOLE   1,619 0 0