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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   476,424 2,948 SH   SOLE   2,947 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   450,277 1,338 SH   SOLE   1,338 0 0
ADVANCED MICRO DEVICES INC COM 007903107   492,866 7,609 SH   SOLE   7,609 0 0
ALPHABET INC CAP STK CL C 02079K107   671,065 7,563 SH   SOLE   7,563 0 0
ALPHABET INC CAP STK CL A 02079K305   1,028,638 11,659 SH   SOLE   11,658 0 0
AMAZON COM INC COM 023135106   3,193,270 38,015 SH   SOLE   38,015 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,588,127 21,314 SH   SOLE   21,314 0 0
AMGEN INC COM 031162100   4,559,956 17,362 SH   SOLE   17,362 0 0
APPLE INC COM 037833100   7,934,399 61,067 SH   SOLE   61,066 0 0
ARK ETF TR INNOVATION ETF 00214Q104   259,107 8,294 SH   SOLE   8,294 0 0
BANK AMERICA CORP COM 060505104   398,563 12,034 SH   SOLE   12,033 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,482,923 4,801 SH   SOLE   4,800 0 0
BLACKSTONE INC COM 09260D107   466,878 6,293 SH   SOLE   6,293 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   263,697 3,665 SH   SOLE   3,665 0 0
BROADCOM INC COM 11135F101   220,343 394 SH   SOLE   394 0 0
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   2,836,501 47,825 SH   SOLE   47,825 0 0
CHEVRON CORP NEW COM 166764100   585,297 3,261 SH   SOLE   3,260 0 0
CISCO SYS INC COM 17275R102   205,390 4,311 SH   SOLE   4,311 0 0
COCA COLA CO COM 191216100   567,452 8,921 SH   SOLE   8,920 0 0
COLGATE PALMOLIVE CO COM 194162103   2,391,119 30,348 SH   SOLE   30,348 0 0
COMCAST CORP NEW CL A 20030N101   320,662 9,170 SH   SOLE   9,169 0 0
CONSOLIDATED EDISON INC COM 209115104   283,559 2,975 SH   SOLE   2,975 0 0
COSTCO WHSL CORP NEW COM 22160K105   301,290 660 SH   SOLE   660 0 0
CVS HEALTH CORP COM 126650100   423,225 4,542 SH   SOLE   4,541 0 0
DEXCOM INC COM 252131107   283,779 2,506 SH   SOLE   2,506 0 0
DISNEY WALT CO COM 254687106   387,127 4,456 SH   SOLE   4,455 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   368,721 3,580 SH   SOLE   3,580 0 0
EA SERIES TRUST INTL QUAN VALUE 02072L201   18,840,974 859,926 SH   SOLE   859,925 0 0
EA SERIES TRUST SPARKLINE INTANG 02072L771   2,439,174 121,620 SH   SOLE   121,620 0 0
EA SERIES TRUST US QUAN MOMENTUM 02072L409   2,862,220 62,317 SH   SOLE   62,317 0 0
EMERSON ELEC CO COM 291011104   271,179 2,823 SH   SOLE   2,823 0 0
EXXON MOBIL CORP COM 30231G102   712,845 6,463 SH   SOLE   6,462 0 0
FORD MTR CO DEL COM 345370860   157,901 13,577 SH   SOLE   13,577 0 0
GENERAL DYNAMICS CORP COM 369550108   236,201 952 SH   SOLE   952 0 0
GILEAD SCIENCES INC COM 375558103   308,429 3,593 SH   SOLE   3,592 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   247,239 720 SH   SOLE   720 0 0
GRAN TIERRA ENERGY INC COM 38500T101   10,677 10,785 SH   SOLE   10,785 0 0
HAWAIIAN ELEC INDUSTRIES COM 419870100   278,177 6,647 SH   SOLE   6,647 0 0
HOME DEPOT INC COM 437076102   595,417 1,885 SH   SOLE   1,885 0 0
HONEYWELL INTL INC COM 438516106   206,386 963 SH   SOLE   963 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   225,242 1,599 SH   SOLE   1,598 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   319,216 1,203 SH   SOLE   1,203 0 0
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   2,729,113 159,411 SH   SOLE   159,410 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   638,340 30,426 SH   SOLE   30,426 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858   330,501 14,179 SH   SOLE   14,178 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   484,697 23,661 SH   SOLE   23,660 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   817,973 5,791 SH   SOLE   5,790 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   1,418,047 5,325 SH   SOLE   5,325 0 0
ISHARES TR CORE MSCI EAFE 46432F842   8,360,922 135,641 SH   SOLE   135,641 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   1,790,020 30,926 SH   SOLE   30,926 0 0
ISHARES TR CORE S&P500 ETF 464287200   9,918,695 25,816 SH   SOLE   25,815 0 0
ISHARES TR CORE S&P MCP ETF 464287507   3,460,799 14,307 SH   SOLE   14,307 0 0
ISHARES TR CORE S&P SCP ETF 464287804   3,627,340 38,328 SH   SOLE   38,327 0 0
ISHARES TR CORE S&P US GWT 464287671   328,281 4,027 SH   SOLE   4,027 0 0
ISHARES TR CORE US AGGBD ET 464287226   860,149 8,868 SH   SOLE   8,868 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   300,324 4,568 SH   SOLE   4,568 0 0
ISHARES TR EAFE GRWTH ETF 464288885   5,877,648 70,172 SH   SOLE   70,172 0 0
ISHARES TR EAFE VALUE ETF 464288877   1,120,790 24,429 SH   SOLE   24,428 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   580,727 15,323 SH   SOLE   15,322 0 0
ISHARES TR MSCI KLD400 SOC 464288570   545,151 7,594 SH   SOLE   7,593 0 0
ISHARES TR NATIONAL MUN ETF 464288414   11,711,155 110,985 SH   SOLE   110,985 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   1,849,602 8,633 SH   SOLE   8,633 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   2,066,319 11,851 SH   SOLE   11,850 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   238,776 1,082 SH   SOLE   1,082 0 0
ISHARES TR RUS MD CP GR ETF 464287481   603,508 7,219 SH   SOLE   7,219 0 0
ISHARES TR RUS MDCP VAL ETF 464287473   679,232 6,448 SH   SOLE   6,448 0 0
ISHARES TR RUS TP200 GR ETF 464289438   256,608 2,129 SH   SOLE   2,129 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   954,383 9,153 SH   SOLE   9,153 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,084,077 21,452 SH   SOLE   21,452 0 0
JOHNSON & JOHNSON COM 478160104   1,400,388 7,927 SH   SOLE   7,927 0 0
JPMORGAN CHASE & CO COM 46625H100   1,230,521 9,176 SH   SOLE   9,176 0 0
LILLY ELI & CO COM 532457108   374,986 1,025 SH   SOLE   1,025 0 0
LULULEMON ATHLETICA INC COM 550021109   255,022 796 SH   SOLE   796 0 0
MASTERCARD INCORPORATED CL A 57636Q104   1,710,090 4,918 SH   SOLE   4,917 0 0
MCDONALDS CORP COM 580135101   482,265 1,830 SH   SOLE   1,830 0 0
MERCK & CO INC COM 58933Y105   432,667 3,900 SH   SOLE   3,899 0 0
META PLATFORMS INC CL A 30303M102   902,794 7,502 SH   SOLE   7,502 0 0
MICRON TECHNOLOGY INC COM 595112103   314,924 6,301 SH   SOLE   6,301 0 0
MICROSOFT CORP COM 594918104   5,021,295 20,938 SH   SOLE   20,937 0 0
NETFLIX INC COM 64110L106   297,436 1,009 SH   SOLE   1,008 0 0
NEXTERA ENERGY INC COM 65339F101   209,585 2,507 SH   SOLE   2,507 0 0
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409   346,436 9,842 SH   SOLE   9,841 0 0
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508   246,198 8,276 SH   SOLE   8,275 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   538,291 11,010 SH   SOLE   11,010 0 0
NVIDIA CORPORATION COM 67066G104   970,652 6,642 SH   SOLE   6,641 0 0
ORACLE CORP COM 68389X105   207,872 2,543 SH   SOLE   2,543 0 0
PAYPAL HLDGS INC COM 70450Y103   49,854 700 SH Put SOLE   0 0 0
PAYPAL HLDGS INC COM 70450Y103   271,633 3,814 SH   SOLE   3,814 0 0
PEPSICO INC COM 713448108   394,650 2,184 SH   SOLE   2,184 0 0
PFIZER INC COM 717081103   1,146,136 22,368 SH   SOLE   22,367 0 0
PROCTER AND GAMBLE CO COM 742718109   953,123 6,289 SH   SOLE   6,288 0 0
QUALCOMM INC COM 747525103   279,036 2,538 SH   SOLE   2,538 0 0
SALESFORCE INC COM 79466L302   245,026 1,848 SH   SOLE   1,848 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   21,696,270 390,502 SH   SOLE   390,501 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   317,584 13,417 SH   SOLE   13,417 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   306,206 12,357 SH   SOLE   12,357 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   16,364,694 508,063 SH   SOLE   508,062 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   369,037 8,236 SH   SOLE   8,235 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   24,270,865 537,561 SH   SOLE   537,560 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   582,573 8,824 SH   SOLE   8,824 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   11,495,092 175,203 SH   SOLE   175,203 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   10,599,101 261,642 SH   SOLE   261,641 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   7,967,867 174,543 SH   SOLE   174,542 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,334,964 30,910 SH   SOLE   30,910 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   231,722 2,649 SH   SOLE   2,649 0 0
SERVICENOW INC COM 81762P102   439,133 1,131 SH   SOLE   1,131 0 0
SHOPIFY INC CL A 82509L107   291,668 8,403 SH   SOLE   8,403 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,008,369 5,252 SH   SOLE   5,251 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,828,723 4,130 SH   SOLE   4,130 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847   1,095,726 25,782 SH   SOLE   25,781 0 0
SPDR SER TR S&P DIVID ETF 78464A763   342,801 2,740 SH   SOLE   2,740 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721   10,688,154 234,287 SH   SOLE   234,286 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284   13,056,819 266,629 SH   SOLE   266,628 0 0
TESLA INC COM 88160R101   1,945,457 15,794 SH   SOLE   15,793 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   284,993 518 SH   SOLE   517 0 0
TRACTOR SUPPLY CO COM 892356106   227,445 1,011 SH   SOLE   1,011 0 0
UBER TECHNOLOGIES INC COM 90353T100   354,035 14,316 SH   SOLE   14,316 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,471,996 4,663 SH   SOLE   4,662 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   7,323,987 144,886 SH   SOLE   144,886 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   431,794 6,010 SH   SOLE   6,010 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   251,158 5,295 SH   SOLE   5,295 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   3,002,308 14,088 SH   SOLE   14,088 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,335,324 12,724 SH   SOLE   12,723 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   9,282,345 48,550 SH   SOLE   48,550 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,735,683 4,940 SH   SOLE   4,940 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   3,387,802 16,622 SH   SOLE   16,622 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   455,512 2,534 SH   SOLE   2,534 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,064,912 7,874 SH   SOLE   7,874 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,932,134 59,247 SH   SOLE   59,247 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   612,842 4,036 SH   SOLE   4,035 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   3,020,436 58,400 SH   SOLE   58,399 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,227,907 53,083 SH   SOLE   53,083 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   204,300 1,888 SH   SOLE   1,887 0 0
VEEVA SYS INC CL A COM 922475108   213,022 1,320 SH   SOLE   1,320 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   201,636 5,118 SH   SOLE   5,117 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100   207,574 719 SH   SOLE   718 0 0
VISA INC COM CL A 92826C839   145,432 700 SH Put SOLE   0 0 0
VISA INC COM CL A 92826C839   1,680,350 8,088 SH   SOLE   8,087 0 0
WALMART INC COM 931142103   401,423 2,831 SH   SOLE   2,831 0 0
WASTE MGMT INC DEL COM 94106L109   228,897 1,459 SH   SOLE   1,459 0 0
WELLS FARGO CO NEW COM 949746101   201,454 4,879 SH   SOLE   4,879 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578   428,885 16,075 SH   SOLE   16,075 0 0
WISDOMTREE TR INTL QULTY DIV 97717X131   2,130,192 69,591 SH   SOLE   69,591 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307   32,569,924 525,745 SH   SOLE   525,745 0 0
WISDOMTREE TR GLB US QTLY DIV 97717W844   249,518 7,743 SH   SOLE   7,743 0 0