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
OMB APPROVAL
OMB Number: 3235-0006
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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   338,575 3,076 SH   SOLE   0 0 3,076
ABBVIE INC COM 00287Y109   613,526 3,959 SH   SOLE   0 0 3,959
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   487,901 1,390 SH   SOLE   0 0 1,390
ADOBE SYSTEMS INCORPORATED COM 00724F101   428,359 718 SH   SOLE   0 0 718
ADVANCED MICRO DEVICES INC COM 007903107   282,290 1,915 SH   SOLE   0 0 1,915
AGILENT TECHNOLOGIES INC COM 00846U101   627,303 4,512 SH   SOLE   0 0 4,512
ALPHABET INC CAP STK CL A 02079K305   2,324,442 16,640 SH   SOLE   0 0 16,640
ALPHABET INC CAP STK CL C 02079K107   723,492 5,134 SH   SOLE   0 0 5,134
AMAZON COM INC COM 023135106   2,597,262 17,094 SH   SOLE   0 0 17,094
AMGEN INC COM 031162100   200,750 697 SH   SOLE   0 0 697
APPLE INC COM 037833100   6,863,081 35,647 SH   SOLE   0 0 35,647
ASML HOLDING N V N Y REGISTRY SHS N07059210   485,943 642 SH   SOLE   0 0 642
ASTRAZENECA PLC SPONSORED ADR 046353108   328,601 4,879 SH   SOLE   0 0 4,879
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   101,394 11,130 SH   SOLE   0 0 11,130
BANCO SANTANDER S.A. ADR 05964H105   136,616 32,999 SH   SOLE   0 0 32,999
BANK AMERICA CORP COM 060505104   242,626 7,206 SH   SOLE   0 0 7,206
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,667,029 4,674 SH   SOLE   0 0 4,674
BHP GROUP LTD SPONSORED ADS 088606108   343,394 5,027 SH   SOLE   0 0 5,027
BOEING CO COM 097023105   282,816 1,085 SH   SOLE   0 0 1,085
BOOKING HOLDINGS INC COM 09857L108   248,305 70 SH   SOLE   0 0 70
BP PLC SPONSORED ADR 055622104   261,783 7,395 SH   SOLE   0 0 7,395
BROADCOM INC COM 11135F101   550,020 493 SH   SOLE   0 0 493
BROADSTONE NET LEASE INC COM 11135E203   237,157 13,772 SH   SOLE   0 0 13,772
CATERPILLAR INC COM 149123101   308,679 1,044 SH   SOLE   0 0 1,044
CHEVRON CORP NEW COM 166764100   467,169 3,132 SH   SOLE   0 0 3,132
CHIPOTLE MEXICAN GRILL INC COM 169656105   281,296 123 SH   SOLE   0 0 123
CISCO SYS INC COM 17275R102   233,503 4,622 SH   SOLE   0 0 4,622
COCA COLA CO COM 191216100   3,291,476 55,854 SH   SOLE   0 0 55,854
COLGATE PALMOLIVE CO COM 194162103   344,941 4,327 SH   SOLE   0 0 4,327
COMCAST CORP NEW CL A 20030N101   206,977 4,720 SH   SOLE   0 0 4,720
COMERICA INC COM 200340107   266,214 4,770 SH   SOLE   0 0 4,770
COSTCO WHSL CORP NEW COM 22160K105   1,303,394 1,975 SH   SOLE   0 0 1,975
CVS HEALTH CORP COM 126650100   206,165 2,611 SH   SOLE   0 0 2,611
DANAHER CORPORATION COM 235851102   273,675 1,183 SH   SOLE   0 0 1,183
DBX ETF TR XTRACK MSCI EAFE 233051200   437,030 11,818 SH   SOLE   0 0 11,818
ELEVANCE HEALTH INC COM 036752103   223,048 473 SH   SOLE   0 0 473
ELI LILLY & CO COM 532457108   2,436,606 4,180 SH   SOLE   0 0 4,180
EMERSON ELEC CO COM 291011104   737,469 7,577 SH   SOLE   0 0 7,577
EXXON MOBIL CORP COM 30231G102   596,281 5,964 SH   SOLE   0 0 5,964
HEWLETT PACKARD ENTERPRISE C COM 42824C109   268,912 15,837 SH   SOLE   0 0 15,837
HOME DEPOT INC COM 437076102   578,836 1,670 SH   SOLE   0 0 1,670
HONEYWELL INTL INC COM 438516106   211,388 1,008 SH   SOLE   0 0 1,008
HP INC COM 40434L105   612,632 20,360 SH   SOLE   0 0 20,360
HSBC HLDGS PLC SPON ADR NEW 404280406   263,105 6,490 SH   SOLE   0 0 6,490
ING GROEP N.V. SPONSORED ADR 456837103   180,514 12,018 SH   SOLE   0 0 12,018
INTEL CORP COM 458140100   337,278 6,712 SH   SOLE   0 0 6,712
INTUIT COM 461202103   314,390 503 SH   SOLE   0 0 503
ISHARES INC CORE MSCI EMKT 46434G103   3,615,208 71,475 SH   SOLE   0 0 71,475
ISHARES TR CALIF MUN BD ETF 464288356   5,339,055 92,148 SH   SOLE   0 0 92,148
ISHARES TR CORE MSCI EAFE 46432F842   3,777,969 53,702 SH   SOLE   0 0 53,702
ISHARES TR CORE MSCI INTL 46435G326   3,628,830 57,003 SH   SOLE   0 0 57,003
ISHARES TR CORE MSCI TOTAL 46432F834   1,124,782 17,323 SH   SOLE   0 0 17,323
ISHARES TR CORE S&P SCP ETF 464287804   2,747,508 25,381 SH   SOLE   0 0 25,381
ISHARES TR CORE S&P TTL STK 464287150   282,737 2,687 SH   SOLE   0 0 2,687
ISHARES TR CORE S&P US GWT 464287671   1,973,919 18,962 SH   SOLE   0 0 18,962
ISHARES TR CORE S&P500 ETF 464287200   1,820,862 3,812 SH   SOLE   0 0 3,812
ISHARES TR GLOBAL REIT ETF 46434V647   1,338,714 55,365 SH   SOLE   0 0 55,365
ISHARES TR HDG MSCI EAFE 46434V803   3,127,064 99,240 SH   SOLE   0 0 99,240
ISHARES TR MSCI ACWI ETF 464288257   213,310 2,096 SH   SOLE   0 0 2,096
ISHARES TR MSCI USA ESG SLC 464288802   201,020 2,000 SH   SOLE   0 0 2,000
ISHARES TR NATIONAL MUN ETF 464288414   6,866,147 63,335 SH   SOLE   0 0 63,335
ISHARES TR RUS MDCP VAL ETF 464287465   243,757 3,235 SH   SOLE   0 0 3,235
ISHARES TR SHRT NAT MUN ETF 464288158   292,885 2,778 SH   SOLE   0 0 2,778
JOHNSON & JOHNSON COM 478160104   1,199,838 7,655 SH   SOLE   0 0 7,655
JPMORGAN CHASE & CO COM 46625H100   964,977 5,673 SH   SOLE   0 0 5,673
KEYSIGHT TECHNOLOGIES INC COM 49338L103   347,930 2,187 SH   SOLE   0 0 2,187
LINDE PLC SHS G54950103   396,746 966 SH   SOLE   0 0 966
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   56,882 23,800 SH   SOLE   0 0 23,800
MASTERCARD INCORPORATED CL A 57636Q104   540,388 1,267 SH   SOLE   0 0 1,267
MCDONALDS CORP COM 580135101   375,085 1,265 SH   SOLE   0 0 1,265
MERCK & CO INC COM 58933Y105   329,786 3,025 SH   SOLE   0 0 3,025
META PLATFORMS INC CL A 30303M102   1,547,159 4,371 SH   SOLE   0 0 4,371
MICROSOFT CORP COM 594918104   5,293,639 14,077 SH   SOLE   0 0 14,077
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   303,115 35,205 SH   SOLE   0 0 35,205
NETFLIX INC COM 64110L106   847,658 1,741 SH   SOLE   0 0 1,741
NOVARTIS AG SPONSORED ADR 66987V109   292,233 2,894 SH   SOLE   0 0 2,894
NOVO-NORDISK A S ADR 670100205   762,156 7,367 SH   SOLE   0 0 7,367
NVIDIA CORPORATION COM 67066G104   1,643,158 3,318 SH   SOLE   0 0 3,318
PEPSICO INC COM 713448108   216,206 1,273 SH   SOLE   0 0 1,273
PFIZER INC COM 717081103   264,019 9,171 SH   SOLE   0 0 9,171
PROCTER AND GAMBLE CO COM 742718109   1,358,013 9,267 SH   SOLE   0 0 9,267
RELX PLC SPONSORED ADR 759530108   218,146 5,500 SH   SOLE   0 0 5,500
RIO TINTO PLC SPONSORED ADR 767204100   278,530 3,741 SH   SOLE   0 0 3,741
S&P GLOBAL INC COM 78409V104   245,370 557 SH   SOLE   0 0 557
SALESFORCE INC COM 79466L302   471,021 1,790 SH   SOLE   0 0 1,790
SAP SE SPON ADR 803054204   292,717 1,894 SH   SOLE   0 0 1,894
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,747,166 50,076 SH   SOLE   0 0 50,076
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   831,487 14,936 SH   SOLE   0 0 14,936
SHELL PLC SPON ADS 780259305   230,563 3,504 SH   SOLE   0 0 3,504
SONY GROUP CORP SPONSORED ADR 835699307   249,224 2,632 SH   SOLE   0 0 2,632
SPDR S&P 500 ETF TR TR UNIT 78462F103   464,991 978 SH   SOLE   0 0 978
SPDR SER TR BLOOMBERG HIGH Y 78468R622   1,820,697 19,220 SH   SOLE   0 0 19,220
SPDR SER TR NUVEEN BLMBRG SH 78468R739   2,161,972 45,239 SH   SOLE   0 0 45,239
SPDR SER TR NUVEEN BLOOMBERG 78464A284   2,482,638 98,128 SH   SOLE   0 0 98,128
STARBUCKS CORP COM 855244109   273,422 2,848 SH   SOLE   0 0 2,848
STRYKER CORPORATION COM 863667101   208,125 695 SH   SOLE   0 0 695
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   247,227 25,540 SH   SOLE   0 0 25,540
TELEFONICA S A SPONSORED ADR 879382208   56,300 14,436 SH   SOLE   0 0 14,436
TESLA INC COM 88160R101   824,954 3,320 SH   SOLE   0 0 3,320
THERMO FISHER SCIENTIFIC INC COM 883556102   288,750 544 SH   SOLE   0 0 544
TOYOTA MOTOR CORP ADS 892331307   329,167 1,795 SH   SOLE   0 0 1,795
UBS GROUP AG SHS H42097107   206,906 6,696 SH   SOLE   0 0 6,696
UNILEVER PLC SPON ADR NEW 904767704   214,022 4,415 SH   SOLE   0 0 4,415
UNION PAC CORP COM 907818108   1,100,132 4,479 SH   SOLE   0 0 4,479
UNITEDHEALTH GROUP INC COM 91324P102   612,285 1,163 SH   SOLE   0 0 1,163
VANGUARD BD INDEX FDS INTERMED TERM 921937819   10,613,772 138,960 SH   SOLE   0 0 138,960
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   21,766,084 282,603 SH   SOLE   0 0 282,603
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   253,895 3,452 SH   SOLE   0 0 3,452
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,476,329 50,164 SH   SOLE   0 0 50,164
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   505,592 3,075 SH   SOLE   0 0 3,075
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   399,693 2,756 SH   SOLE   0 0 2,756
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,907,832 44,226 SH   SOLE   0 0 44,226
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   23,538,115 53,888 SH   SOLE   0 0 53,888
VANGUARD INDEX FDS SM CP VAL ETF 922908611   9,354,686 51,979 SH   SOLE   0 0 51,979
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,213,512 10,376 SH   SOLE   0 0 10,376
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,241,054 17,878 SH   SOLE   0 0 17,878
VANGUARD INDEX FDS VALUE ETF 922908744   5,036,357 33,688 SH   SOLE   0 0 33,688
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   858,044 15,284 SH   SOLE   0 0 15,284
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   3,258,504 28,327 SH   SOLE   0 0 28,327
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   3,707,680 87,055 SH   SOLE   0 0 87,055
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   586,475 7,317 SH   SOLE   0 0 7,317
VANGUARD STAR FDS VG TL INTL STK F 921909768   815,753 14,074 SH   SOLE   0 0 14,074
VISA INC COM CL A 92826C839   874,208 3,358 SH   SOLE   0 0 3,358
WALMART INC COM 931142103   399,558 2,534 SH   SOLE   0 0 2,534