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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 325 1,830 SH   SOLE   0 0 1,830
ABBOTT LABS COM 002824100 365 2,593 SH   SOLE   0 0 2,593
ABBVIE INC COM 00287Y109 265 1,958 SH   SOLE   0 0 1,958
ADIENT PLC ORD SHS G0084W101 616 12,864 SH   SOLE   0 0 12,864
AIRBNB INC COM CL A 009066101 586 3,519 SH   SOLE   0 0 3,519
AMAZON COM INC COM 023135106 2,504 751 SH   SOLE   0 0 751
AMGEN INC COM 031162100 229 1,018 SH   SOLE   0 0 1,018
APPLE INC COM 037833100 5,699 32,093 SH   SOLE   0 0 32,093
ATLASSIAN CORP PLC CL A G06242104 955 2,505 SH   SOLE   0 0 2,505
AUTODESK INC COM 052769106 505 1,796 SH   SOLE   0 0 1,796
AXON ENTERPRISE INC COM 05464C101 252 1,607 SH   SOLE   0 0 1,607
AZUL S A SPONSR ADR PFD 05501U106 146 11,032 SH   SOLE   0 0 11,032
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 292 976 SH   SOLE   0 0 976
BILL COM HLDGS INC COM 090043100 201 807 SH   SOLE   0 0 807
BK OF AMERICA CORP COM 060505104 341 7,672 SH   SOLE   0 0 7,672
BLOCK INC CL A 852234103 390 2,412 SH   SOLE   0 0 2,412
BOEING CO COM 097023105 623 3,093 SH   SOLE   0 0 3,093
CHEVRON CORP NEW COM 166764100 1,832 15,612 SH   SOLE   0 0 15,612
CISCO SYS INC COM 17275R102 231 3,644 SH   SOLE   0 0 3,644
CLOUDFLARE INC CL A COM 18915M107 875 6,656 SH   SOLE   0 0 6,656
COINBASE GLOBAL INC COM CL A 19260Q107 650 2,574 SH   SOLE   0 0 2,574
COSTCO WHSL CORP NEW COM 22160K105 5,010 8,824 SH   SOLE   0 0 8,824
CROWDSTRIKE HLDGS INC CL A 22788C105 353 1,723 SH   SOLE   0 0 1,723
CSX CORP COM 126408103 2,454 65,256 SH   SOLE   0 0 65,256
DIAMONDBACK ENERGY INC COM 25278X109 795 7,370 SH   SOLE   0 0 7,370
ETSY INC COM 29786A106 250 1,140 SH   SOLE   0 0 1,140
EXXON MOBIL CORP COM 30231G102 266 4,343 SH   SOLE   0 0 4,343
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 972 7,181 SH   SOLE   0 0 7,181
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 204 903 SH   SOLE   0 0 903
FIRST TR VALUE LINE DIVID IN SHS 33734H106 376 8,745 SH   SOLE   0 0 8,745
FULGENT GENETICS INC COM 359664109 299 2,969 SH   SOLE   0 0 2,969
GENERAL ELECTRIC CO COM NEW 369604301 214 2,260 SH   SOLE   0 0 2,260
HOME DEPOT INC COM 437076102 547 1,319 SH   SOLE   0 0 1,319
HONEYWELL INTL INC COM 438516106 365 1,752 SH   SOLE   0 0 1,752
INTEL CORP COM 458140100 366 7,098 SH   SOLE   0 0 7,098
INTERCONTINENTAL EXCHANGE IN COM 45866F104 887 6,482 SH   SOLE   0 0 6,482
INTERNATIONAL BUSINESS MACHS COM 459200101 302 2,259 SH   SOLE   0 0 2,259
INTUITIVE SURGICAL INC COM NEW 46120E602 496 1,381 SH   SOLE   0 0 1,381
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 503 2,932 SH   SOLE   0 0 2,932
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373 275 1,622 SH   SOLE   0 0 1,622
INVESCO QQQ TR UNIT SER 1 46090E103 522 1,313 SH   SOLE   0 0 1,313
ISHARES INC MSCI AUST ETF 464286103 1,783 71,823 SH   SOLE   0 0 71,823
ISHARES INC MSCI GBL MIN VOL 464286525 295 2,724 SH   SOLE   0 0 2,724
ISHARES TR 10+ YR INVST GRD 464289511 2,073 29,811 SH   SOLE   0 0 29,811
ISHARES TR 10-20 YR TRS ETF 464288653 1,908 12,860 SH   SOLE   16 0 12,844
ISHARES TR CORE S&P TTL STK 464287150 4,000 37,389 SH   SOLE   0 0 37,389
ISHARES TR CORE S&P US GWT 464287671 1,005 8,690 SH   SOLE   0 0 8,690
ISHARES TR CORE TOTAL USD 46434V613 6,305 119,116 SH   SOLE   108 0 119,008
ISHARES TR EAFE GRWTH ETF 464288885 14,380 130,383 SH   SOLE   49 0 130,334
ISHARES TR EAFE VALUE ETF 464288877 14,416 286,080 SH   SOLE   110 0 285,970
ISHARES TR ESG AWR MSCI USA 46435G425 32,435 300,601 SH   SOLE   227 0 300,374
ISHARES TR FALN ANGLS USD 46435G474 3,767 125,701 SH   SOLE   331 0 125,370
ISHARES TR GLOBAL FINLS ETF 464287333 5,197 64,909 SH   SOLE   53 0 64,856
ISHARES TR MBS ETF 464288588 3,877 36,085 SH   SOLE   76 0 36,009
ISHARES TR MSCI USA MIN VOL 46429B697 3,016 37,280 SH   SOLE   22 0 37,258
ISHARES TR MSCI USA MMENTM 46432F396 2,054 11,295 SH   SOLE   0 0 11,295
ISHARES TR MSCI USA SZE FT 46432F370 319 2,324 SH   SOLE   0 0 2,324
ISHARES TR MSCI USA VALUE 46432F388 8,623 78,769 SH   SOLE   62 0 78,707
ISHARES TR U.S. MED DVC ETF 464288810 383 5,816 SH   SOLE   0 0 5,816
ISHARES TR U.S. TECH ETF 464287721 8,494 73,977 SH   SOLE   60 0 73,917
ISHARES TR US HLTHCARE ETF 464287762 2,980 9,921 SH   SOLE   0 0 9,921
ISHARES TR US INDUSTRIALS 464287754 2,686 23,826 SH   SOLE   0 0 23,826
ISHARES TR US TREAS BD ETF 46429B267 13,119 491,717 SH   SOLE   251 0 491,466
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,805 58,443 SH   SOLE   35 0 58,408
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR FI 47804J404 216 4,118 SH   SOLE   0 0 4,118
JOHNSON & JOHNSON COM 478160104 566 3,308 SH   SOLE   0 0 3,308
JOHNSON CTLS INTL PLC SHS G51502105 342 4,207 SH   SOLE   0 0 4,207
JPMORGAN CHASE & CO COM 46625H100 293 1,848 SH   SOLE   0 0 1,848
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 417 13,853 SH   SOLE   0 0 13,853
LEMONADE INC COM 52567D107 310 7,364 SH   SOLE   0 0 7,364
LIVE OAK BANCSHARES INC COM 53803X105 638 7,310 SH   SOLE   0 0 7,310
LOCKHEED MARTIN CORP COM 539830109 2,917 8,208 SH   SOLE   0 0 8,208
MASTERCARD INCORPORATED CL A 57636Q104 263 732 SH   SOLE   0 0 732
MCDONALDS CORP COM 580135101 412 1,536 SH   SOLE   0 0 1,536
MERCADOLIBRE INC COM 58733R102 770 571 SH   SOLE   0 0 571
MICROSOFT CORP COM 594918104 2,604 7,743 SH   SOLE   0 0 7,743
MOTOROLA SOLUTIONS INC COM NEW 620076307 308 1,133 SH   SOLE   0 0 1,133
NETFLIX INC COM 64110L106 489 811 SH   SOLE   0 0 811
NORTHROP GRUMMAN CORP COM 666807102 502 1,296 SH   SOLE   0 0 1,296
PAYPAL HLDGS INC COM 70450Y103 666 3,530 SH   SOLE   0 0 3,530
PEPSICO INC COM 713448108 525 3,024 SH   SOLE   0 0 3,024
PFIZER INC COM 717081103 277 4,689 SH   SOLE   0 0 4,689
PNC FINL SVCS GROUP INC COM 693475105 283 1,410 SH   SOLE   0 0 1,410
PROCTER AND GAMBLE CO COM 742718109 409 2,497 SH   SOLE   0 0 2,497
QUALCOMM INC COM 747525103 386 2,111 SH   SOLE   0 0 2,111
QUANTA SVCS INC COM 74762E102 541 4,720 SH   SOLE   0 0 4,720
RAYTHEON TECHNOLOGIES CORP COM 75513E101 235 2,730 SH   SOLE   0 0 2,730
ROBLOX CORP CL A 771049103 602 5,831 SH   SOLE   0 0 5,831
SALESFORCE COM INC COM 79466L302 230 906 SH   SOLE   0 0 906
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 6,472 128,037 SH   SOLE   193 0 127,844
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,535 43,733 SH   SOLE   0 0 43,733
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,171 70,028 SH   SOLE   57 0 69,971
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,419 70,271 SH   SOLE   40 0 70,231
SELECT SECTOR SPDR TR ENERGY 81369Y506 4,097 73,817 SH   SOLE   35 0 73,782
SEMPRA COM 816851109 911 6,885 SH   SOLE   0 0 6,885
SHOPIFY INC CL A 82509L107 1,262 916 SH   SOLE   0 0 916
SOCIEDAD QUIMICA Y MINERA DE SPON ADR SER B 833635105 273 5,410 SH   SOLE   0 0 5,410
SOLAREDGE TECHNOLOGIES INC COM 83417M104 466 1,661 SH   SOLE   0 0 1,661
SOUTHERN CO COM 842587107 215 3,134 SH   SOLE   0 0 3,134
SPDR S&P 500 ETF TR TR UNIT 78462F103 230 484 SH   SOLE   0 0 484
SPDR SER TR AEROSPACE DEF 78464A631 228 1,956 SH   SOLE   0 0 1,956
SPDR SER TR NYSE TECH ETF 78464A102 207 1,253 SH   SOLE   0 0 1,253
SPDR SER TR PORTFOLIO S&P500 78464A854 30,913 553,700 SH   SOLE   411 0 553,289
SPDR SER TR S&P DIVID ETF 78464A763 492 3,813 SH   SOLE   0 0 3,813
SPROUT SOCIAL INC COM CL A 85209W109 283 3,121 SH   SOLE   0 0 3,121
STARBUCKS CORP COM 855244109 536 4,581 SH   SOLE   0 0 4,581
TARGET CORP COM 87612E106 317 1,371 SH   SOLE   0 0 1,371
TESLA INC COM 88160R101 2,529 2,393 SH   SOLE   0 0 2,393
TEXAS INSTRS INC COM 882508104 543 2,880 SH   SOLE   0 0 2,880
THE TRADE DESK INC COM CL A 88339J105 572 6,244 SH   SOLE   0 0 6,244
TRANSOCEAN LTD REG SHS H8817H100 38 13,601 SH   SOLE   0 0 13,601
UNION PAC CORP COM 907818108 495 1,967 SH   SOLE   0 0 1,967
UNITED PARCEL SERVICE INC CL B 911312106 1,805 8,423 SH   SOLE   0 0 8,423
UNITED RENTALS INC COM 911363109 397 1,194 SH   SOLE   0 0 1,194
UPSTART HLDGS INC COM 91680M107 309 2,041 SH   SOLE   0 0 2,041
VANGUARD INDEX FDS GROWTH ETF 922908736 411 1,280 SH   SOLE   0 0 1,280
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,287 19,711 SH   SOLE   0 0 19,711
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 922 2,112 SH   SOLE   0 0 2,112
VANGUARD INDEX FDS TOTAL STK MKT 922908769 317 1,312 SH   SOLE   0 0 1,312
VANGUARD INDEX FDS VALUE ETF 922908744 315 2,139 SH   SOLE   0 0 2,139
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 588 3,421 SH   SOLE   0 0 3,421
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 702 6,258 SH   SOLE   0 0 6,258
VANGUARD WORLD FDS INF TECH ETF 92204A702 584 1,275 SH   SOLE   0 0 1,275
VERIZON COMMUNICATIONS INC COM 92343V104 413 7,944 SH   SOLE   0 0 7,944
VISA INC COM CL A 92826C839 362 1,669 SH   SOLE   0 0 1,669
WALKER & DUNLOP INC COM 93148P102 286 1,898 SH   SOLE   0 0 1,898
WALMART INC COM 931142103 326 2,251 SH   SOLE   0 0 2,251
WISDOMTREE TR EM EX ST-OWNED 97717X578 7,208 195,602 SH   SOLE   148 0 195,454
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 623 1,046 SH   SOLE   0 0 1,046