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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   1,260,837 11,147 SH   SOLE   0 0 11,147
ABBVIE INC COM 00287Y109   1,235,303 6,952 SH   SOLE   0 0 6,952
AFLAC INC COM 001055102   413,760 4,000 SH   SOLE   0 0 4,000
ALPHABET INC CAP STK CL A 02079K305   3,283,029 17,343 SH   SOLE   0 0 17,343
ALPHABET INC CAP STK CL C 02079K107   1,842,556 9,675 SH   SOLE   0 0 9,675
AMAZON COM INC COM 023135106   3,498,393 15,946 SH   SOLE   0 0 15,946
AMER STATES WTR CO COM 029899101   992,096 12,765 SH   SOLE   0 0 12,765
AMERICAN EXPRESS CO COM 025816109   432,110 1,456 SH   SOLE   0 0 1,456
AMERICAN WTR WKS CO INC NEW COM 030420103   1,127,381 9,056 SH   SOLE   0 0 9,056
AMGEN INC COM 031162100   572,756 2,198 SH   SOLE   0 0 2,198
APPLE INC COM 037833100   16,836,692 67,234 SH   SOLE   0 0 67,234
BLACKROCK INC COM 09290D101   221,424 216 SH   SOLE   0 0 216
BOEING CO COM 097023105   203,550 1,150 SH   SOLE   0 0 1,150
BROADCOM INC COM 11135F101   329,097 1,420 SH   SOLE   0 0 1,420
CALIFORNIA WTR SVC GROUP COM 130788102   1,006,190 22,197 SH   SOLE   0 0 22,197
CAMDEN NATL CORP COM 133034108   300,847 7,039 SH   SOLE   0 0 7,039
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   413,099 16,745 SH   SOLE   0 0 16,745
CATERPILLAR INC COM 149123101   476,122 1,312 SH   SOLE   0 0 1,312
CHEVRON CORP NEW COM 166764100   449,728 3,105 SH   SOLE   0 0 3,105
CISCO SYS INC COM 17275R102   418,106 7,063 SH   SOLE   0 0 7,063
COCA COLA CO COM 191216100   509,944 8,191 SH   SOLE   0 0 8,191
COLGATE PALMOLIVE CO COM 194162103   377,186 4,149 SH   SOLE   0 0 4,149
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   2,610,717 88,200 SH   SOLE   0 0 88,200
COSTCO WHSL CORP NEW COM 22160K105   3,262,360 3,560 SH   SOLE   0 0 3,560
CSW INDUSTRIALS INC COM 126402106   1,004,422 2,847 SH   SOLE   0 0 2,847
DBX ETF TR XTRCKR MSCI US 233051150   518,316 9,602 SH   SOLE   0 0 9,602
DEERE & CO COM 244199105   267,983 632 SH   SOLE   0 0 632
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   8,245,947 282,395 SH   SOLE   0 0 282,395
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   427,250 12,042 SH   SOLE   0 0 12,042
DISNEY WALT CO COM 254687106   406,812 3,653 SH   SOLE   0 0 3,653
DUKE ENERGY CORP NEW COM NEW 26441C204   1,174,917 10,905 SH   SOLE   0 0 10,905
ELI LILLY & CO COM 532457108   3,414,220 4,423 SH   SOLE   0 0 4,423
EMERSON ELEC CO COM 291011104   277,479 2,239 SH   SOLE   0 0 2,239
ESSENTIAL UTILS INC COM 29670G102   1,049,321 28,891 SH   SOLE   0 0 28,891
EXXON MOBIL CORP COM 30231G102   942,994 8,766 SH   SOLE   0 0 8,766
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857   1,500,421 55,530 SH   SOLE   0 0 55,530
GAMESTOP CORP NEW CL A 36467W109   491,349 15,678 SH   SOLE   0 0 15,678
GENERAL DYNAMICS CORP COM 369550108   552,319 2,096 SH   SOLE   0 0 2,096
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   4,524,733 135,715 SH   SOLE   0 0 135,715
HOME DEPOT INC COM 437076102   876,404 2,253 SH   SOLE   0 0 2,253
HONEYWELL INTL INC COM 438516106   299,461 1,326 SH   SOLE   0 0 1,326
HUBSPOT INC COM 443573100   240,386 345 SH   SOLE   0 0 345
INTERNATIONAL BUSINESS MACHS COM 459200101   700,525 3,187 SH   SOLE   0 0 3,187
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719   270,206 14,945 SH   SOLE   0 0 14,945
INVESCO EXCH TRADED FD TR II KBW PPTY CASUT 46138E586   4,319,753 37,220 SH   SOLE   0 0 37,220
INVESCO QQQ TR UNIT SER 1 46090E103   8,569,707 16,763 SH   SOLE   0 0 16,763
ISHARES TR ESG SCRD S&P MID 46436E551   251,351 6,008 SH   SOLE   0 0 6,008
ISHARES TR CORE S&P SCP ETF 464287804   1,749,966 15,188 SH   SOLE   0 0 15,188
ISHARES TR COHEN STEER REIT 464287564   1,922,878 31,910 SH   SOLE   0 0 31,910
ISHARES TR MSCI EAFE ETF 464287465   1,968,053 26,029 SH   SOLE   0 0 26,029
ISHARES TR GNMA BOND ETF 46429B333   414,317 9,651 SH   SOLE   0 0 9,651
ISHARES TR CORE DIV GRWTH 46434V621   6,317,019 102,984 SH   SOLE   0 0 102,984
ISHARES TR 20 YR TR BD ETF 464287432   8,351,805 95,635 SH   SOLE   0 0 95,635
ISHARES TR FLTG RATE NT ETF 46429B655   360,230 7,080 SH   SOLE   0 0 7,080
ISHARES TR CORE US AGGBD ET 464287226   754,754 7,789 SH   SOLE   0 0 7,789
ISHARES TR RUSSELL 3000 ETF 464287689   969,994 2,902 SH   SOLE   0 0 2,902
ISHARES TR CORE S&P MCP ETF 464287507   1,844,697 29,605 SH   SOLE   0 0 29,605
ISHARES TR CORE MSCI EAFE 46432F842   1,168,124 16,621 SH   SOLE   0 0 16,621
ISHARES TR CORE HIGH DV ETF 46429B663   1,386,972 12,355 SH   SOLE   0 0 12,355
ISHARES TR S&P 500 GRWT ETF 464287309   632,938 6,234 SH   SOLE   0 0 6,234
ISHARES TR IBONDS DEC2026 46435GAA0   422,717 17,562 SH   SOLE   0 0 17,562
ISHARES TR ISHARES SEMICDTR 464287523   4,967,446 23,052 SH   SOLE   0 0 23,052
ISHARES TR PFD AND INCM SEC 464288687   2,467,914 78,496 SH   SOLE   0 0 78,496
ISHARES TR US AER DEF ETF 464288760   4,067,910 27,987 SH   SOLE   0 0 27,987
ISHARES TR USD GRN BOND ETF 46435U440   247,972 5,319 SH   SOLE   0 0 5,319
ISHARES TR CORE S&P500 ETF 464287200   3,344,883 5,682 SH   SOLE   0 0 5,682
ISHARES TR TIPS BD ETF 464287176   541,700 5,084 SH   SOLE   0 0 5,084
JOHNSON & JOHNSON COM 478160104   1,411,297 9,759 SH   SOLE   0 0 9,759
JPMORGAN CHASE & CO. COM 46625H100   1,007,719 4,204 SH   SOLE   0 0 4,204
KIMBERLY-CLARK CORP COM 494368103   364,513 2,782 SH   SOLE   0 0 2,782
KIRBY CORP COM 497266106   660,404 6,242 SH   SOLE   0 0 6,242
LEGGETT & PLATT INC COM 524660107   1,708,848 178,005 SH   SOLE   0 0 178,005
LIBERTY MEDIA CORP DEL COM LBTY ONE S C 531229755   231,650 2,500 SH   SOLE   0 0 2,500
LOCKHEED MARTIN CORP COM 539830109   381,943 786 SH   SOLE   0 0 786
LUCID GROUP INC COM 549498103   31,514 10,435 SH   SOLE   0 0 10,435
MCDONALDS CORP COM 580135101   302,734 1,044 SH   SOLE   0 0 1,044
MERCK & CO INC COM 58933Y105   1,016,088 10,214 SH   SOLE   0 0 10,214
META PLATFORMS INC CL A 30303M102   1,085,065 1,853 SH   SOLE   0 0 1,853
MICROSOFT CORP COM 594918104   3,355,055 7,960 SH   SOLE   0 0 7,960
MORGAN STANLEY COM NEW 617446448   207,124 1,648 SH   SOLE   0 0 1,648
NEXTERA ENERGY INC COM 65339F101   474,188 6,614 SH   SOLE   0 0 6,614
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   309,403 7,388 SH   SOLE   0 0 7,388
NVIDIA CORPORATION COM 67066G104   1,845,987 13,746 SH   SOLE   0 0 13,746
ORACLE CORP COM 68389X105   353,985 2,124 SH   SOLE   0 0 2,124
PAYCHEX INC COM 704326107   507,737 3,621 SH   SOLE   0 0 3,621
PFIZER INC COM 717081103   217,042 8,181 SH   SOLE   0 0 8,181
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   7,627,556 80,299 SH   SOLE   0 0 80,299
PIMCO ETF TR INV GRD CRP BD 72201R817   1,327,691 13,961 SH   SOLE   0 0 13,961
PIMCO ETF TR ACTIVE BD ETF 72201R775   7,361,501 81,415 SH   SOLE   0 0 81,415
PROCTER AND GAMBLE CO COM 742718109   941,291 5,615 SH   SOLE   0 0 5,615
PROGRESSIVE CORP COM 743315103   255,719 1,067 SH   SOLE   0 0 1,067
PROSHARES TR PSHS ULT S&P 500 74347R107   2,972,531 32,132 SH   SOLE   0 0 32,132
PROSHARES TR SHORT S&P 500 NE 74349Y753   20,904,147 493,255 SH   SOLE   0 0 493,255
PROSHARES TR PSHS ULTSH 20YRS 74347B201   8,341,963 227,798 SH   SOLE   0 0 227,798
PROSHARES TR PSHS ULTRA QQQ 74347R206   9,935,133 91,788 SH   SOLE   0 0 91,788
QUALCOMM INC COM 747525103   391,598 2,549 SH   SOLE   0 0 2,549
RTX CORPORATION COM 75513E101   267,976 2,316 SH   SOLE   0 0 2,316
S&P GLOBAL INC COM 78409V104   1,157,422 2,324 SH   SOLE   0 0 2,324
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   23,205,497 1,022,269 SH   SOLE   0 0 1,022,269
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   13,555,235 524,178 SH   SOLE   0 0 524,178
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   16,663,453 718,872 SH   SOLE   0 0 718,872
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   1,181,173 40,660 SH   SOLE   0 0 40,660
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   2,181,212 92,112 SH   SOLE   0 0 92,112
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789   1,979,193 85,090 SH   SOLE   0 0 85,090
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   298,281 8,737 SH   SOLE   0 0 8,737
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   15,806,205 578,558 SH   SOLE   0 0 578,558
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,452,097 348,762 SH   SOLE   0 0 348,762
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   14,115,471 509,400 SH   SOLE   0 0 509,400
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,734,572 67,153 SH   SOLE   0 0 67,153
SELECT SECTOR SPDR TR ENERGY 81369Y506   545,997 6,374 SH   SOLE   0 0 6,374
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   233,646 4,834 SH   SOLE   0 0 4,834
SHOPIFY INC CL A 82509L107   237,116 2,230 SH   SOLE   0 0 2,230
SJW GROUP COM 784305104   931,193 18,919 SH   SOLE   0 0 18,919
SOUTHERN CO COM 842587107   727,544 8,838 SH   SOLE   0 0 8,838
SPDR GOLD TR GOLD SHS 78463V107   21,952,474 90,664 SH   SOLE   0 0 90,664
SPDR INDEX SHS FDS MSCI EAFE FS ETF 78470E106   523,701 13,155 SH   SOLE   0 0 13,155
SPDR S&P 500 ETF TR TR UNIT 78462F103   29,013,245 49,504 SH   SOLE   0 0 49,504
SPDR SER TR S&P DIVID ETF 78464A763   8,361,172 63,294 SH   SOLE   0 0 63,294
SPDR SER TR PRTFLO S&P500 GW 78464A409   273,721 3,114 SH   SOLE   0 0 3,114
SPDR SER TR SPDR S&P 500 ETF 78468R796   1,050,946 21,826 SH   SOLE   0 0 21,826
SPDR SER TR BLOOMBERG INVT 78468R200   2,199,653 71,580 SH   SOLE   0 0 71,580
SPDR SER TR BBG CONV SEC ETF 78464A359   2,303,597 29,575 SH   SOLE   0 0 29,575
SPDR SER TR NUVEEN BLMBRG MU 78468R721   2,001,669 43,877 SH   SOLE   0 0 43,877
SPDR SER TR PORTFOLIO LN TSR 78464A664   733,582 28,010 SH   SOLE   0 0 28,010
SPDR SER TR PORTFLI TIPS ETF 78464A656   499,499 19,735 SH   SOLE   0 0 19,735
TESLA INC COM 88160R101   325,383 806 SH   SOLE   0 0 806
TEXAS INSTRS INC COM 882508104   489,964 2,613 SH   SOLE   0 0 2,613
TRANE TECHNOLOGIES PLC SHS G8994E103   248,257 672 SH   SOLE   0 0 672
TRAVELERS COMPANIES INC COM 89417E109   456,246 1,894 SH   SOLE   0 0 1,894
UNION PAC CORP COM 907818108   326,632 1,432 SH   SOLE   0 0 1,432
VALERO ENERGY CORP COM 91913Y100   464,708 3,791 SH   SOLE   0 0 3,791
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,195,919 44,769 SH   SOLE   0 0 44,769
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,566,886 6,620 SH   SOLE   0 0 6,620
VANGUARD INDEX FDS SMALL CP ETF 922908751   11,382,947 47,374 SH   SOLE   0 0 47,374
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   6,143,114 68,962 SH   SOLE   0 0 68,962
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,153,698 3,981 SH   SOLE   0 0 3,981
VANGUARD INDEX FDS GROWTH ETF 922908736   706,701 1,722 SH   SOLE   0 0 1,722
VANGUARD INDEX FDS VALUE ETF 922908744   1,561,248 9,222 SH   SOLE   0 0 9,222
VANGUARD INDEX FDS MID CAP ETF 922908629   12,334,278 46,698 SH   SOLE   0 0 46,698
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   460,874 3,923 SH   SOLE   0 0 3,923
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   417,173 7,267 SH   SOLE   0 0 7,267
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   973,284 22,100 SH   SOLE   0 0 22,100
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   425,052 8,479 SH   SOLE   0 0 8,479
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   360,033 1,838 SH   SOLE   0 0 1,838
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,059,433 84,890 SH   SOLE   0 0 84,890
VANGUARD WORLD FD ESG US STK ETF 921910733   987,539 9,415 SH   SOLE   0 0 9,415
VANGUARD WORLD FD INF TECH ETF 92204A702   232,553 374 SH   SOLE   0 0 374
VANGUARD WORLD FD UTILITIES ETF 92204A876   2,799,083 17,128 SH   SOLE   0 0 17,128
VERIZON COMMUNICATIONS INC COM 92343V104   350,903 8,775 SH   SOLE   0 0 8,775
VISA INC COM CL A 92826C839   1,222,307 3,868 SH   SOLE   0 0 3,868
WALMART INC COM 931142103   297,688 3,295 SH   SOLE   0 0 3,295
WASTE MGMT INC DEL COM 94106L109   238,003 1,179 SH   SOLE   0 0 1,179
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   15,506,464 308,157 SH   SOLE   0 0 308,157