Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
JBND	J P MORGAN EXCHANGE TRADED F	5,853	$313K	0.2%	—	—	ACTIVE BOND ETF	46654Q716
USMV	ISHARES TR	2,590	$250K	0.2%	—	—	MSCI USA MIN ETF	46429B697
ABBV	ABBVIE INC	862	$217K	0.2%	—	—	COM	00287Y109
FITB	FIFTH THIRD BANCORP	3,729	$210K	0.2%	—	—	COM	316773100
HD	HOME DEPOT INC	575	$203K	0.2%	—	—	COM	437076102

Increased Positions (9)

VUG VANGUARD INDEX FDS 24.9%

Value $33.23M (+17.8%) Shares 385,809 (+497.5%) Est. Cost — Unrealized —

CGDV CAPITAL GROUP DIVIDEND VALUE 15.1%

Value $20.18M (+19.6%) Shares 409,548 (+3.3%) Est. Cost — Unrealized —

LMBS FIRST TR EXCHANGE-TRADED FD 10.1%

Value $13.53M (+13.8%) Shares 271,854 (+13.8%) Est. Cost — Unrealized —

VOO VANGUARD INDEX FDS 1.6%

Value $2.164M (+46.1%) Shares 3,150 (+27.1%) Est. Cost — Unrealized —

FNDF SCHWAB STRATEGIC TR 1.2%

Value $1.631M (+55.7%) Shares 30,914 (+44.4%) Est. Cost — Unrealized —

JMUB J P MORGAN EXCHANGE TRADED F 1.2%

Value $1.647M (+28.4%) Shares 32,518 (+26.7%) Est. Cost — Unrealized —

SCHG SCHWAB STRATEGIC TR 0.4%

Value $568K (+64.8%) Shares 16,788 (+41.9%) Est. Cost — Unrealized —

SDVY FIRST TR EXCHANGE TRADED FD 0.2%

Value $328K (+32.3%) Shares 7,597 (+20.9%) Est. Cost — Unrealized —

JMST J P MORGAN EXCHANGE TRADED F 1.5%

Value $2.041M (+1.3%) Shares 40,016 (+1.3%) Est. Cost — Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VUG	VANGUARD INDEX FDS	385,809 (+497.5%)	$33.23M (+17.8%)	24.9%	—	—	GROWTH ETF	922908736
CGDV	CAPITAL GROUP DIVIDEND VALUE	409,548 (+3.3%)	$20.18M (+19.6%)	15.1%	—	—	SHS CREAT UNIT	14020W106
LMBS	FIRST TR EXCHANGE-TRADED FD	271,854 (+13.8%)	$13.53M (+13.8%)	10.1%	—	—	FST LOW OPPT EFT	33739Q200
VOO	VANGUARD INDEX FDS	3,150 (+27.1%)	$2.164M (+46.1%)	1.6%	—	—	S&P 500 ETF SHS	922908363
FNDF	SCHWAB STRATEGIC TR	30,914 (+44.4%)	$1.631M (+55.7%)	1.2%	—	—	FUNDAMENTAL INTL	808524755
JMUB	J P MORGAN EXCHANGE TRADED F	32,518 (+26.7%)	$1.647M (+28.4%)	1.2%	—	—	MUNICIPAL ETF	46641Q647
SCHG	SCHWAB STRATEGIC TR	16,788 (+41.9%)	$568K (+64.8%)	0.4%	—	—	US LCAP GR ETF	808524300
SDVY	FIRST TR EXCHANGE TRADED FD	7,597 (+20.9%)	$328K (+32.3%)	0.2%	—	—	SMID RISNG ETF	33741X102
JMST	J P MORGAN EXCHANGE TRADED F	40,016 (+1.3%)	$2.041M (+1.3%)	1.5%	—	—	ULTRA SHT MUNCPL	46641Q654

Decreased Positions (5)

VTI VANGUARD INDEX FDS 20.7%

Value $27.64M (+12.1%) Shares 74,694 (-2.9%) Est. Cost — Unrealized —

VTV VANGUARD INDEX FDS 8.5%

Value $11.38M (+9.1%) Shares 52,230 (-1.7%) Est. Cost — Unrealized —

VB VANGUARD INDEX FDS 4.9%

Value $6.473M (+11.8%) Shares 21,353 (-3.4%) Est. Cost — Unrealized —

AAPL APPLE INC 1.2%

Value $1.58M (+7.3%) Shares 5,461 (-5.9%) Est. Cost — Unrealized —

VNQ VANGUARD INDEX FDS 2.1%

Value $2.772M (+0.2%) Shares 28,749 (-7.8%) Est. Cost — Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VTI	VANGUARD INDEX FDS	74,694 (-2.9%)	$27.64M (+12.1%)	20.7%	—	—	TOTAL STK MKT	922908769
VTV	VANGUARD INDEX FDS	52,230 (-1.7%)	$11.38M (+9.1%)	8.5%	—	—	VALUE ETF	922908744
VB	VANGUARD INDEX FDS	21,353 (-3.4%)	$6.473M (+11.8%)	4.9%	—	—	SMALL CP ETF	922908751
AAPL	APPLE INC	5,461 (-5.9%)	$1.58M (+7.3%)	1.2%	—	—	COM	037833100
VNQ	VANGUARD INDEX FDS	28,749 (-7.8%)	$2.772M (+0.2%)	2.1%	—	—	REAL ESTATE ETF	922908553

Unchanged Positions (14)

VXUS VANGUARD STAR FDS 1.0%

Value $1.369M Shares 16,014 Est. Cost — Unrealized —

CAT CATERPILLAR INC 0.2%

Value $319K Shares 300 Est. Cost — Unrealized —

CATH GLOBAL X FDS 0.5%

Value $672K Shares 7,593 Est. Cost — Unrealized —

V VISA INC 0.4%

Value $597K Shares 1,739 Est. Cost — Unrealized —

CGXU CAPITAL GROUP INTL FOCUS EQT 0.3%

Value $335K Shares 9,663 Est. Cost — Unrealized —

SCHB SCHWAB STRATEGIC TR 0.2%

Value $333K Shares 11,484 Est. Cost — Unrealized —

BUFR FIRST TR EXCHNG TRADED FD VI 0.2%

Value $256K Shares 7,017 Est. Cost — Unrealized —

SRE SEMPRA 0.3%

Value $378K Shares 4,076 Est. Cost — Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.3%

Value $345K Shares 689 Est. Cost — Unrealized —

VTEB VANGUARD MUN BD FDS 0.8%

Value $1.025M Shares 20,273 Est. Cost — Unrealized —

SCHD SCHWAB STRATEGIC TR 0.2%

Value $262K Shares 8,251 Est. Cost — Unrealized —

BIV VANGUARD BD INDEX FDS 0.2%

Value $329K Shares 4,294 Est. Cost — Unrealized —

MSFT MICROSOFT CORP 0.2%

Value $236K Shares 634 Est. Cost — Unrealized —

JPST J P MORGAN EXCHANGE TRADED F 0.4%

Value $536K Shares 10,602 Est. Cost — Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VXUS	VANGUARD STAR FDS	16,014	$1.369M	1.0%	—	—	VG TL INTL STK F	921909768
CAT	CATERPILLAR INC	300	$319K	0.2%	—	—	COM	149123101
CATH	GLOBAL X FDS	7,593	$672K	0.5%	—	—	S&P 500 CATHOLIC	37954Y889
V	VISA INC	1,739	$597K	0.4%	—	—	COM CL A	92826C839
CGXU	CAPITAL GROUP INTL FOCUS EQT	9,663	$335K	0.3%	—	—	SHS CREAT UNIT	14019W109
SCHB	SCHWAB STRATEGIC TR	11,484	$333K	0.2%	—	—	US BRD MKT ETF	808524102
BUFR	FIRST TR EXCHNG TRADED FD VI	7,017	$256K	0.2%	—	—	FT LADD BUFF ETF	33740F755
SRE	SEMPRA	4,076	$378K	0.3%	—	—	COM	816851109
BRK/B	BERKSHIRE HATHAWAY INC DEL	689	$345K	0.3%	—	—	CL B NEW	084670702
VTEB	VANGUARD MUN BD FDS	20,273	$1.025M	0.8%	—	—	TAX EXEMPT BD	922907746
SCHD	SCHWAB STRATEGIC TR	8,251	$262K	0.2%	—	—	US DIVIDEND EQ	808524797
BIV	VANGUARD BD INDEX FDS	4,294	$329K	0.2%	—	—	INTERMED TERM	921937819
MSFT	MICROSOFT CORP	634	$236K	0.2%	—	—	COM	594918104
JPST	J P MORGAN EXCHANGE TRADED F	10,602	$536K	0.4%	—	—	ULTRA SHRT ETF	46641Q837