Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
MUB	ISHARES TR	24,903	$2.68M	16.3%	$107.62 *	$107.08	-5.6%	—	464288414
EFA	ISHARES TR	15,800	$1.641M	10.0%	$103.88	$94.85	+9.5%	—	464287465
SPEM	SPDR INDEX SHS FDS	24,334	$1.26M	7.7%	$51.78	$47.07	+10.0%	—	78463X509
RWO	SPDR INDEX SHS FDS	24,417	$1.214M	7.4%	$49.71 *	$45.56	+1.8%	—	78463X749
SCHB	SCHWAB STRATEGIC TR	36,339	$1.052M	6.4%	$28.96	$26.03	+12.6%	—	808524102
SCHE	SCHWAB STRATEGIC TR	24,946	$905K	5.5%	$36.26	$33.35	+9.3%	—	808524706
IWV	ISHARES TR	1,013	$432K	2.6%	$426.40	$383.75	+12.5%	—	464287689
SPMD	SPDR SERIES TRUST	4,856	$328K	2.0%	$67.56 *	$57.44	+9.7%	—	78464A847
VB	VANGUARD INDEX FDS	710	$215K	1.3%	$303.14 *	$256.19	+11.0%	—	922908751
SCHZ	SCHWAB STRATEGIC TR	8,852	$205K	1.2%	$23.13 *	$23.14	-4.5%	—	808524839

Decreased Positions (19)

IEFA ISHARES TR 10.8%

Value $1.773M (-92.9%) Shares 18,296 (-92.9%) Share Price $96.88 Est. Cost/Share $90.03 Unrealized @ Report Date +7.6%

IEF ISHARES TR 7.3%

Value $1.206M (-94.4%) Shares 13,502 (-94.0%) Share Price $89.31 Est. Cost/Share $96.25 Unrealized @ Report Date -7.2%

VGLT VANGUARD SCOTTSDALE FDS 9.6%

Value $1.577M (-90.8%) Shares 31,459 (-89.8%) Share Price $50.14 Est. Cost/Share $56.76 Unrealized @ Report Date -11.7%

IEMG ISHARES INC 8.3%

Value $1.371M (-90.4%) Shares 16,893 (-90.2%) Share Price $81.16 Est. Cost/Share $67.80 Unrealized @ Report Date +19.7%

BSCR INVESCO EXCH TRD SLF IDX FD 9.1%

Value $1.494M (-88.3%) Shares 76,415 (-88.3%) Share Price $19.54 Est. Cost/Share $19.64 Unrealized @ Report Date -0.5%

IVV ISHARES TR 5.1%

Value $833K (-92.8%) Shares 1,088 (-92.9%) Share Price $765.85 Est. Cost/Share $679.24 Unrealized @ Report Date +12.8%

IJR ISHARES TR 6.3%

Value $1.032M (-88.4%) Shares 7,586 (-87.3%) Share Price $136.04 Est. Cost/Share $119.80 Unrealized @ Report Date +13.6%

IJH ISHARES TR 2.8%

Value $468K (-93.4%) Shares 6,499 (-92.9%) Share Price $71.95 Est. Cost/Share $66.05 Unrealized @ Report Date +8.9%

BKGI BNY MELLON ETF TRUST 3.6%

Value $600K (-89.4%) Shares 14,300 (-88.6%) Share Price $41.93 Est. Cost/Share $45.31 Unrealized @ Report Date -7.5%

SPDW SPDR INDEX SHS FDS 1.7%

Value $273K (-91.5%) Shares 5,434 (-91.4%) Share Price $50.21 Est. Cost/Share $43.70 Unrealized @ Report Date +14.9%

SPSM SPDR SERIES TRUST 2.7%

Value $448K (-85.5%) Shares 8,482 (-84.2%) Share Price $52.86 Est. Cost/Share $46.64 Unrealized @ Report Date +13.3%

SUB ISHARES TR 1.8%

Value $288K (-89.7%) Shares 2,753 (-89.5%) Share Price $104.54 Est. Cost/Share $106.54 Unrealized @ Report Date -1.9%

DJP BARCLAYS BANK PLC 2.2%

Value $367K (-86.5%) Shares 7,123 (-88.6%) Share Price $51.52 Est. Cost/Share $36.91 Unrealized @ Report Date +39.6%

SCHX SCHWAB STRATEGIC TR 3.9%

Value $634K (-76.6%) Shares 21,141 (-77.0%) Share Price $30.00 Est. Cost/Share $26.71 Unrealized @ Report Date +12.3%

VTEB VANGUARD MUN BD FDS 7.0%

Value $1.143M (-60.4%) Shares 24,132 (-57.8%) Share Price $47.36 Est. Cost/Share $50.25 Unrealized @ Report Date -5.8%

SPY STATE STR SPDR S&P 500 ETF T 2.4%

Value $395K (-68.7%) Shares 518 (-69.3%) Share Price $762.63 Est. Cost/Share $675.88 Unrealized @ Report Date +12.8%

SCHF SCHWAB STRATEGIC TR 5.5%

Value $904K (-41.7%) Shares 32,905 (-41.3%) Share Price $27.47 Est. Cost/Share $23.77 Unrealized @ Report Date +15.6%

SCHM SCHWAB STRATEGIC TR 1.7%

Value $272K (-60.3%) Shares 8,001 (-56.9%) Share Price $34.02 Est. Cost/Share $29.81 Unrealized @ Report Date +14.1%

SHY ISHARES TR 8.3%

Value $1.356M (-11.1%) Shares 16,705 (-10.1%) Share Price $81.20 Est. Cost/Share $82.87 Unrealized @ Report Date -2.0%

Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
IEFA	ISHARES TR	18,296 (-92.9%)	$1.773M (-92.9%)	10.8%	$96.88	$90.03	+7.6%	CORE MSCI EAFE	46432F842
IEF	ISHARES TR	13,502 (-94.0%)	$1.206M (-94.4%)	7.3%	$89.31	$96.25	-7.2%	7-10 YR TRSY BD	464287440
VGLT	VANGUARD SCOTTSDALE FDS	31,459 (-89.8%)	$1.577M (-90.8%)	9.6%	$50.14	$56.76	-11.7%	LONG TERM TREAS	92206C847
IEMG	ISHARES INC	16,893 (-90.2%)	$1.371M (-90.4%)	8.3%	$81.16	$67.80	+19.7%	CORE MSCI EMKT	46434G103
BSCR	INVESCO EXCH TRD SLF IDX FD	76,415 (-88.3%)	$1.494M (-88.3%)	9.1%	$19.54	$19.64	-0.5%	BULSHS 2027 CB	46138J783
IVV	ISHARES TR	1,088 (-92.9%)	$833K (-92.8%)	5.1%	$765.85	$679.24	+12.8%	CORE S&P500 ETF	464287200
IJR	ISHARES TR	7,586 (-87.3%)	$1.032M (-88.4%)	6.3%	$136.04	$119.80	+13.6%	CORE S&P SCP ETF	464287804
IJH	ISHARES TR	6,499 (-92.9%)	$468K (-93.4%)	2.8%	$71.95	$66.05	+8.9%	CORE S&P MCP ETF	464287507
BKGI	BNY MELLON ETF TRUST	14,300 (-88.6%)	$600K (-89.4%)	3.6%	$41.93	$45.31	-7.5%	GLOBAL INFRASCTR	09661T826
SPDW	SPDR INDEX SHS FDS	5,434 (-91.4%)	$273K (-91.5%)	1.7%	$50.21	$43.70	+14.9%	ST STR PO EX ETF	78463X889
SPSM	SPDR SERIES TRUST	8,482 (-84.2%)	$448K (-85.5%)	2.7%	$52.86	$46.64	+13.3%	ST STR SP600 SML	78468R853
SUB	ISHARES TR	2,753 (-89.5%)	$288K (-89.7%)	1.8%	$104.54	$106.54	-1.9%	SHRT NAT MUN ETF	464288158
DJP	BARCLAYS BANK PLC	7,123 (-88.6%)	$367K (-86.5%)	2.2%	$51.52	$36.91	+39.6%	DJUBS CMDT ETN36	06738C778
SCHX	SCHWAB STRATEGIC TR	21,141 (-77.0%)	$634K (-76.6%)	3.9%	$30.00	$26.71	+12.3%	US LRG CAP ETF	808524201
VTEB	VANGUARD MUN BD FDS	24,132 (-57.8%)	$1.143M (-60.4%)	7.0%	$47.36	$50.25	-5.8%	TAX EXEMPT BD	922907746
SPY	STATE STR SPDR S&P 500 ETF T	518 (-69.3%)	$395K (-68.7%)	2.4%	$762.63	$675.88	+12.8%	TR UNIT	78462F103
SCHF	SCHWAB STRATEGIC TR	32,905 (-41.3%)	$904K (-41.7%)	5.5%	$27.47	$23.77	+15.6%	INTL EQTY ETF	808524805
SCHM	SCHWAB STRATEGIC TR	8,001 (-56.9%)	$272K (-60.3%)	1.7%	$34.02	$29.81	+14.1%	US MID-CAP ETF	808524508
SHY	ISHARES TR	16,705 (-10.1%)	$1.356M (-11.1%)	8.3%	$81.20	$82.87	-2.0%	1 3 YR TREAS BD	464287457