ABBOTT LABORATORIES COM 002824100 785600 7949 SH SOLE 0 0 7949 ABBVIE INC COM 00287Y109 834107 3188 SH SOLE 0 0 3188 ALPHABET INC CAP STK CL C 02079K107 453692 1331 SH SOLE 0 0 1331 AMAZON COM INC COM 023135106 234699 942 SH SOLE 0 0 942 AMBEV SA SPONSORED ADR 02319V103 103742 35528 SH SOLE 0 0 35528 AMERICAN EXPRESS CO COM 025816109 208067 684 SH SOLE 0 0 684 AMGEN INC COM 031162100 207383 492 SH SOLE 0 0 492 ANALOG DEVICES INC COM 032654105 251117 633 SH SOLE 0 0 633 APPLE INC COM 037833100 1659829 4984 SH SOLE 0 0 4984 BANK OF AMER CORP COM 060505104 303541 5576 SH SOLE 0 0 5576 BECTON DICKINSON & CO COM 075887109 1202958 6720 SH SOLE 0 0 6720 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1394260 2800 SH SOLE 0 0 2800 BLACKROCK INC COM 09290D101 260339 246 SH SOLE 0 0 246 BRISTOL-MYERS SQUIBB CO COM 110122108 243235 3898 SH SOLE 0 0 3898 CAPITAL GROUP GBL GROWTH EQT SHS CREAT UNIT 14020X104 664123 16694 SH SOLE 0 0 16694 CAPITAL GRP FIXED INCM ETF T MUN INM ETF 14020Y201 207520 8000 SH SOLE 0 0 8000 CAPITAL ONE FINL CORP COM 14040H105 485764 2516 SH SOLE 0 0 2516 CHEVRON CORPORATION COM 166764100 525350 2572 SH SOLE 0 0 2572 CHUBB LIMITED COM H1467J104 352246 1083 SH SOLE 0 0 1083 CISCO SYS INC COM 17275R102 299427 2782 SH SOLE 0 0 2782 CLOROX CO DEL COM 189054109 1129621 13944 SH SOLE 0 0 13944 COHEN & STEERS QUALITY INCOM COM 19247L106 143608 13175 SH SOLE 0 0 13175 DANAHER CORP DEL COM 235851102 248801 1123 SH SOLE 0 0 1123 DELL TECHNOLOGIES INC CL C 24703L202 223059 414 SH SOLE 0 0 414 DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 855590 20179 SH SOLE 0 0 20179 DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 4940553 114126 SH SOLE 0 0 114126 DOUBLELINE ETF TRUST OPPO CORE BD ETF 25861R105 468758 10781 SH SOLE 0 0 10781 ELEVANCE HEALTH INC FORMERLY COM 036752103 574287 1477 SH SOLE 0 0 1477 ELI LILLY & CO COM 532457108 208274 180 SH SOLE 0 0 180 EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 869411 5342 SH SOLE 0 0 5342 FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 370793 4538 SH SOLE 0 0 4538 FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 621478 26650 SH SOLE 0 0 26650 GE AEROSPACE COM NEW 369604301 389426 1247 SH SOLE 0 0 1247 HERSHEY CO COM 427866108 378264 2400 SH SOLE 0 0 2400 HOME DEPOT INC COM 437076102 550204 1934 SH SOLE 0 0 1934 ILLINOIS TOOL WKS INC COM 452308109 270659 1052 SH SOLE 0 0 1052 INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 338377 4799 SH SOLE 0 0 4799 INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 4450845 187720 SH SOLE 0 0 187720 INVESCO QQQ TR UNIT SER 1 46090E103 1572121 2125 SH SOLE 0 0 2125 INVESTMENT MANAGERS SER TR I FPA GBL EQTY ETF 30254T577 2497908 61103 SH SOLE 0 0 61103 ISHARES INC MSCI EMERG MRKT 464286533 2789686 37673 SH SOLE 0 0 37673 ISHARES TR 0-5 YR TIPS ETF 46429B747 1131755 11351 SH SOLE 0 0 11351 ISHARES TR CORE MSCI TOTAL 46432F834 511711 5387 SH SOLE 0 0 5387 ISHARES TR CORE S&P SCP ETF 464287804 350371 2575 SH SOLE 0 0 2575 ISHARES TR CORE S&P US VLU 464287663 467697 4241 SH SOLE 0 0 4241 ISHARES TR GLOB HLTHCRE ETF 464287325 391480 3833 SH SOLE 0 0 3833 ISHARES TR INTL DIV GRWTH 46435G524 3625047 40841 SH SOLE 0 0 40841 ISHARES TR ISHS 1-5YR INVS 464288646 693573 13538 SH SOLE 0 0 13538 ISHARES TR MORNINGSTAR GRWT 464287119 350910 3000 SH SOLE 0 0 3000 ISHARES TR MSCI INTL VLU FT 46435G409 7220008 168337 SH SOLE 0 0 168337 ISHARES TR RUS 1000 GRW ETF 464287614 350979 2802 SH SOLE 0 0 2802 ISHARES TR S&P 500 GRWT ETF 464287309 681874 4793 SH SOLE 0 0 4793 ISHARES TR SELECT DIVID ETF 464287168 352650 2319 SH SOLE 0 0 2319 ISHARES TR SELECT US REIT 464287564 208010 3307 SH SOLE 0 0 3307 JOHNSON & JOHNSON COM 478160104 672754 2541 SH SOLE 0 0 2541 JPMORGAN CHASE & CO COM 46625H100 724670 2190 SH SOLE 0 0 2190 LOCKHEED MARTIN CORP COM 539830109 206756 406 SH SOLE 0 0 406 MERCK & CO INC COM 58933Y105 755321 5198 SH SOLE 0 0 5198 MICROSOFT CORP COM 594918104 1206595 2352 SH SOLE 0 0 2352 NEXTERA ENERGY INC COM 65339F101 564414 7452 SH SOLE 0 0 7452 NVIDIA CORPORATION COM 67066G104 617556 2704 SH SOLE 0 0 2704 PFIZER INC COM 717081103 2466008 86465 SH SOLE 0 0 86465 PHILLIPS 66 COM 718546104 243055 952 SH SOLE 0 0 952 PNC FINL SVCS GROUP INC COM 693475105 272491 1226 SH SOLE 0 0 1226 QUALCOMM INC COM 747525103 462677 2514 SH SOLE 0 0 2514 RTX CORPORATION COM 75513E101 620722 3343 SH SOLE 0 0 3343 SCHWAB STRATEGIC TR INTERNL DIVID 808524672 1221743 38909 SH SOLE 0 0 38909 SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5487560 168692 SH SOLE 0 0 168692 SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 220539 3586 SH SOLE 0 0 3586 SOUTHERN CO COM 842587107 556260 6710 SH SOLE 0 0 6710 SPDR SERIES TRUST ST STR SP DIV 78464A763 3630946 24788 SH SOLE 0 0 24788 SPDR SERIES TRUST STATE STRET SPDR 78468R861 1793740 98503 SH SOLE 0 0 98503 TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 273258 599 SH SOLE 0 0 599 THE CIGNA GROUP COM 125523100 535777 1971 SH SOLE 0 0 1971 UNION PAC CORP COM 907818108 555972 2043 SH SOLE 0 0 2043 VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4013821 52536 SH SOLE 0 0 52536 VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 312709 3316 SH SOLE 0 0 3316 VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 497575 6345 SH SOLE 0 0 6345 VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 2740451 7322 SH SOLE 0 0 7322 VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 1338458 6194 SH SOLE 0 0 6194 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 273538 4612 SH SOLE 0 0 4612 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 8273513 168092 SH SOLE 0 0 168092 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1811301 23447 SH SOLE 0 0 23447 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4372950 18743 SH SOLE 0 0 18743 VANGUARD STAR FDS VG TL INTL STK F 921909768 3912323 46049 SH SOLE 0 0 46049 VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 973987 10315 SH SOLE 0 0 10315 VERIZON COMMUNICATIONS INC COM 92343V104 441405 9622 SH SOLE 0 0 9622 WISDOMTREE TR EMER MKT HIGH FD 97717W315 4231049 76497 SH SOLE 0 0 76497