Rebalance 13F-HR Quarterly holdings report by institutional manager

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

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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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
AMAZON COM INC COM	Stock	023135106	240,366	1,290	SH		SOLE	0	1,290	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF	81369Y803	703,310	3,115	SH		SOLE	0	3,115	0	0
JOHNSON & JOHNSON COM	Stock	478160104	217,842	1,344	SH		SOLE	0	1,344	0	0
WILLIAMS SONOMA INC COM	Stock	969904101	337,726	2,180	SH		SOLE	0	2,180	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	185,183,888	653,990	SH		SOLE	0	653,990	0	0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	ETF	921946794	11,244,917	153,159	SH		SOLE	0	153,158	0	0
ISHARES MSCI EMERGING MARKETS ETF	ETF	464287234	529,296	11,542	SH		SOLE	0	11,541	0	0
PROCTER AND GAMBLE CO COM	Stock	742718109	614,167	3,546	SH		SOLE	0	3,546	0	0
COCA COLA CO COM	Stock	191216100	291,708	4,059	SH		SOLE	0	4,059	0	0
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF	ETF	46138J825	7,321,803	354,567	SH		SOLE	0	354,566	0	0
VANGUARD REAL ESTATE ETF	ETF	922908553	90,328,203	927,204	SH		SOLE	0	927,203	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	5,053,357	8,807	SH		SOLE	0	8,807	0	0
ISHARES MSCI JAPAN ETF	ETF	46434G822	555,277	7,762	SH		SOLE	0	7,761	0	0
PRIORITY TECHNOLOGY HLDGS INC COM	Stock	74275G107	4,821,734	705,964	SH		SOLE	0	705,964	0	0
INVESCO BULLETSHARES 2024 HIGH YIELD CORPORATE BOND ETF	ETF	46138J833	1,775,825	78,161	SH		SOLE	0	78,161	0	0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF	ETF	922042718	3,510,393	27,869	SH		SOLE	0	27,869	0	0
PEPSICO INC COM	Stock	713448108	267,829	1,575	SH		SOLE	0	1,575	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	ETF	81369Y209	346,104	2,247	SH		SOLE	0	2,247	0	0
SPDR GOLD SHARES	ETF	78463V107	1,623,884	6,681	SH		SOLE	0	6,681	0	0
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	7,778,614	20,722	SH		SOLE	0	20,721	0	0
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	254,400,017	3,824,414	SH		SOLE	0	3,824,413	0	0
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	126,203,386	3,069,148	SH		SOLE	0	3,069,148	0	0
ISHARES U.S. REAL ESTATE ETF	ETF	464287739	6,966,779	68,389	SH		SOLE	0	68,388	0	0
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF	ETF	46138J783	3,893,650	197,447	SH		SOLE	0	197,446	0	0
INVESCO BULLETSHARES 2025 HIGH YIELD CORPORATE BOND ETF	ETF	46138J817	1,784,760	77,196	SH		SOLE	0	77,195	0	0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF	ETF	46435U853	60,507,429	1,607,103	SH		SOLE	0	1,607,103	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	44,130,384	377,312	SH		SOLE	0	377,311	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	3,564,714	7,745	SH		SOLE	0	7,745	0	0
SCHWAB EMERGING MARKETS EQUITY ETF	ETF	808524706	59,976,999	2,055,415	SH		SOLE	0	2,055,414	0	0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	ETF	92206C870	75,684,643	903,697	SH		SOLE	0	903,697	0	0
PG&E CORP COM	Stock	69331C108	442,057	22,360	SH		SOLE	0	22,360	0	0
MICROSOFT CORP COM	Stock	594918104	1,593,831	3,704	SH		SOLE	0	3,704	0	0
INVESCO BULLETSHARES 2026 CORPORATE BOND ETF	ETF	46138J791	8,015,806	409,806	SH		SOLE	0	409,806	0	0
AMERIPRISE FINL INC COM	Stock	03076C106	227,858	485	SH		SOLE	0	485	0	0
INVESCO BULLETSHARES 2028 CORPORATE BOND ETF	ETF	46138J643	3,797,169	184,687	SH		SOLE	0	184,687	0	0
INVESCO BULLETSHARES 2026 HIGH YIELD CORP BOND ETF	ETF	46138J635	2,260,716	96,385	SH		SOLE	0	96,385	0	0
VANGUARD SMALL-CAP ETF	ETF	922908751	2,877,147	12,129	SH		SOLE	0	12,129	0	0
VANGUARD LARGE-CAP ETF	ETF	922908637	1,421,766	5,400	SH		SOLE	0	5,400	0	0
FINANCIAL SELECT SECTOR SPDR FUND	ETF	81369Y605	743,556	16,407	SH		SOLE	0	16,406	0	0
VANGUARD FTSE EUROPE ETF	ETF	922042874	1,554,864	21,869	SH		SOLE	0	21,868	0	0
VANGUARD INFORMATION TECHNOLOGY ETF	ETF	92204A702	210,175	358	SH		SOLE	0	358	0	0
SCHWAB US TIPS ETF	ETF	808524870	5,228,901	97,500	SH		SOLE	0	97,499	0	0
VANGUARD S&P 500 ETF	ETF	922908363	3,254,379	6,167	SH		SOLE	0	6,167	0	0
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF	ETF	922042676	892,791	19,032	SH		SOLE	0	19,032	0	0
CROWDSTRIKE HLDGS INC CL A	Stock	22788C105	329,552	1,175	SH		SOLE	0	1,175	0	0
VANGUARD S&P SMALL-CAP 600 ETF	ETF	921932828	1,970,646	18,216	SH		SOLE	0	18,216	0	0
ISHARES IBONDS 2025 TERM HIGH YIELD & INCOME ETF	ETF	46435U168	505,131	21,679	SH		SOLE	0	21,679	0	0
ELI LILLY & CO COM	Stock	532457108	527,134	595	SH		SOLE	0	595	0	0
INVESCO BULLETSHARES 2029 CORPORATE BOND ETF	ETF	46138J577	698,133	37,115	SH		SOLE	0	37,115	0	0
INVESCO BULLETSHARES 2027 HIGH YIELD CORPORATE BOND ETF	ETF	46138J585	512,356	22,571	SH		SOLE	0	22,570	0	0
ISHARES RUSSELL MID-CAP VALUE ETF	ETF	464287473	903,774	6,834	SH		SOLE	0	6,833	0	0
ISHARES RUSSELL 2000 ETF	ETF	464287655	3,067,852	13,889	SH		SOLE	0	13,888	0	0
ISHARES RUSSELL MID-CAP GROWTH ETF	ETF	464287481	915,253	7,803	SH		SOLE	0	7,803	0	0
VANGUARD FTSE PACIFIC ETF	ETF	922042866	1,508,686	19,246	SH		SOLE	0	19,245	0	0
VANGUARD SMALL CAP VALUE ETF	ETF	922908611	2,451,445	12,210	SH		SOLE	0	12,209	0	0
VANECK MORTGAGE REIT INCOME ETF	ETF	92189F452	481,676	39,907	SH		SOLE	0	39,906	0	0
INVESCO BULLETSHARES 2028 HIGH YIELD CORPORATE BOND ETF	ETF	46138J452	515,185	23,248	SH		SOLE	0	23,248	0	0
DIMENSIONAL U.S. CORE EQUITY 2 ETF	ETF	25434V708	576,681	16,818	SH		SOLE	0	16,817	0	0
DIMENSIONAL U.S. EQUITY MARKET ETF	ETF	25434V401	387,322	6,227	SH		SOLE	0	6,227	0	0
VANGUARD SMALL-CAP GROWTH ETF	ETF	922908595	1,524,518	5,702	SH		SOLE	0	5,701	0	0
CANADIAN PACIFIC KANSAS CITY COM	Stock	13646K108	246,697	2,884	SH		SOLE	0	2,884	0	0
VANGUARD TOTAL BOND MARKET ETF	ETF	921937835	14,587,812	194,219	SH		SOLE	0	194,219	0	0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND	ETF	922042775	797,813	12,664	SH		SOLE	0	12,663	0	0
ISHARES MSCI EMERGING MARKETS SMALL CAP ETF	ETF	464286475	1,146,303	17,970	SH		SOLE	0	17,969	0	0
ROCKWELL AUTOMATION INC COM	Stock	773903109	290,658	1,083	SH		SOLE	0	1,082	0	0
CISCO SYS INC COM	Stock	17275R102	439,065	8,250	SH		SOLE	0	8,250	0	0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF	ETF	464288513	7,370,738	91,790	SH		SOLE	0	91,790	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	1,421,114	2,464	SH		SOLE	0	2,463	0	0
JPMORGAN CHASE & CO. COM	Stock	46625H100	321,983	1,527	SH		SOLE	0	1,527	0	0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288638	9,137,952	170,103	SH		SOLE	0	170,103	0	0
CHEVRON CORP NEW COM	Stock	166764100	220,905	1,500	SH		SOLE	0	1,500	0	0
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	89,608,485	1,696,809	SH		SOLE	0	1,696,809	0	0
SPDR S&P DIVIDEND ETF	ETF	78464A763	1,543,993	10,870	SH		SOLE	0	10,870	0	0
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	414,575	1,875	SH		SOLE	0	1,875	0	0
ORACLE CORP COM	Stock	68389X105	690,977	4,055	SH		SOLE	0	4,055	0	0
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	35,537,325	742,682	SH		SOLE	0	742,681	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	28,897,185	225,407	SH		SOLE	0	225,407	0	0
CATERPILLAR INC COM	Stock	149123101	322,674	825	SH		SOLE	0	825	0	0
AMERICAN EXPRESS CO COM	Stock	025816109	429,852	1,585	SH		SOLE	0	1,585	0	0
ISHARES MSCI EAFE SMALL-CAP ETF	ETF	464288273	1,485,922	21,949	SH		SOLE	0	21,948	0	0
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	123,430,172	1,218,823	SH		SOLE	0	1,218,822	0	0
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF	ETF	46138J841	7,413,422	351,014	SH		SOLE	0	351,014	0	0
ISHARES RUSSELL 3000 ETF	ETF	464287689	6,121,613	18,736	SH		SOLE	0	18,736	0	0
SPDR DOW JONES REIT ETF	ETF	78464A607	3,691,404	34,586	SH		SOLE	0	34,586	0	0
EXXON MOBIL CORP COM	Stock	30231G102	347,848	2,967	SH		SOLE	0	2,967	0	0
LOWES COS INC COM	Stock	548661107	338,563	1,250	SH		SOLE	0	1,250	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	5,186,429	83,223	SH		SOLE	0	83,222	0	0
ISHARES MSCI EAFE ETF	ETF	464287465	2,479,167	29,644	SH		SOLE	0	29,644	0	0
APPLE INC COM	Stock	037833100	2,544,965	10,923	SH		SOLE	0	10,922	0	0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF	ETF	46434VBD1	504,956	20,118	SH		SOLE	0	20,117	0	0
VANGUARD TOTAL WORLD STOCK ETF	ETF	922042742	302,496	2,527	SH		SOLE	0	2,527	0	0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF	ETF	78468R663	547,030	5,958	SH		SOLE	0	5,958	0	0
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	7,915,445	41,704	SH		SOLE	0	41,704	0	0