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
3M CO COM 88579Y101 BBG001S5T7X2 312,139 2,855 SH   SOLE   2,855 0 0
ALLSTATE CORP COM 020002101 BBG001S9BM06 281,360 2,010 SH   SOLE   2,010 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 999,901 7,158 SH   SOLE   7,158 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 363,599 2,580 SH   SOLE   2,580 0 0
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 1,334,205 33,074 SH   SOLE   33,074 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 3,060,679 20,144 SH   SOLE   20,144 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 8,148,486 90,740 SH   SOLE   90,740 0 0
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 2,471,202 13,191 SH   SOLE   13,191 0 0
AMERIPRISE FINL INC COM 03076C106 BBG001SK6096 471,749 1,242 SH   SOLE   1,242 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 756,629 2,627 SH   SOLE   2,627 0 0
APPLE INC COM 037833100 BBG001S5N8V8 9,199,720 47,783 SH   SOLE   47,783 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 204,989 12,216 SH   SOLE   12,216 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 220,627 6,553 SH   SOLE   6,553 0 0
BANK NEW YORK MELLON CORP COM 064058100 BBG001S5P6Q6 348,793 6,701 SH   SOLE   6,701 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 BBG001SPJ625 204,464 6,728 SH   SOLE   6,728 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 387,689 1,087 SH   SOLE   1,087 0 0
BLACKROCK INC COM 09247X101 BBG001SDBP55 613,721 756 SH   SOLE   756 0 0
BLACKSTONE INC COM 09260D107 BBG001S7H949 1,720,947 13,145 SH   SOLE   13,145 0 0
BOEING CO COM 097023105 BBG001S5P0V3 507,244 1,946 SH   SOLE   1,946 0 0
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 251,853 71 SH   SOLE   71 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 409,676 7,131 SH   SOLE   7,131 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 620,316 2,098 SH   SOLE   2,098 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 1,617,083 10,841 SH   SOLE   10,841 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 983,928 19,476 SH   SOLE   19,476 0 0
CLOROX CO DEL COM 189054109 BBG001S5PX50 531,148 3,725 SH   SOLE   3,725 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 329,708 7,519 SH   SOLE   7,519 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 955,814 1,448 SH   SOLE   1,448 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 9,888,290 345,262 SH   SOLE   345,262 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 8,108,321 136,000 SH   SOLE   136,000 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 215,974 2,392 SH   SOLE   2,392 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 398,196 683 SH   SOLE   683 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 4,388,280 43,892 SH   SOLE   43,892 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 6,171,438 150,707 SH   SOLE   150,707 0 0
FRONTIER COMMUNICATIONS PARE COM 35909D109 BBG010MVVVX6 204,544 8,072 SH   SOLE   8,072 0 0
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 255,923 2,005 SH   SOLE   2,005 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 1,052,407 16,156 SH   SOLE   16,156 0 0
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 618,198 16,681 SH   SOLE   16,681 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,081,064 3,120 SH   SOLE   3,120 0 0
HP INC COM 40434L105 BBG001S6W7N7 273,338 9,084 SH   SOLE   9,084 0 0
INTEL CORP COM 458140100 BBG001S5SF65 1,132,046 22,528 SH   SOLE   22,528 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 1,294,374 7,914 SH   SOLE   7,914 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 215,573 639 SH   SOLE   639 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 BBG007HL81B6 7,944,940 597,364 SH   SOLE   597,364 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 BBG001T0NSB6 6,619,967 577,155 SH   SOLE   577,155 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 21,025,170 51,341 SH   SOLE   51,341 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 1,785,190 21,760 SH   SOLE   21,760 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 22,935,422 211,855 SH   SOLE   211,855 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 518,675 5,381 SH   SOLE   5,381 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 1,221,294 21,079 SH   SOLE   21,079 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,986,962 27,593 SH   SOLE   27,593 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,996,332 6,273 SH   SOLE   6,273 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 5,043,941 50,821 SH   SOLE   50,821 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 565,411 7,504 SH   SOLE   7,504 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 402,172 5,800 SH   SOLE   5,800 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 622,330 15,477 SH   SOLE   15,477 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 356,127 3,285 SH   SOLE   3,285 0 0
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 8,071,939 258,799 SH   SOLE   258,799 0 0
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 295,305 1,126 SH   SOLE   1,126 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 2,196,101 7,244 SH   SOLE   7,244 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 6,471,033 39,159 SH   SOLE   39,159 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 10,847,294 54,045 SH   SOLE   54,045 0 0
JOBY AVIATION INC COMMON STOCK G65163100 BBG00X2MYTD1 78,337 11,780 SH   SOLE   11,780 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,496,111 9,545 SH   SOLE   9,545 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,778,166 10,454 SH   SOLE   10,454 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 685,046 5,638 SH   SOLE   5,638 0 0
KRAFT HEINZ CO COM 500754106 BBG005CPNTR1 289,738 7,835 SH   SOLE   7,835 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 266,029 897 SH   SOLE   897 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 468,568 4,298 SH   SOLE   4,298 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 441,034 1,246 SH   SOLE   1,246 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,384,940 9,002 SH   SOLE   9,002 0 0
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 1,800,018 24,852 SH   SOLE   24,852 0 0
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 203,565 2,183 SH   SOLE   2,183 0 0
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 1,337,674 5,659 SH   SOLE   5,659 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 359,547 726 SH   SOLE   726 0 0
OTIS WORLDWIDE CORP COM 68902V107 BBG00RP60LN7 365,574 4,086 SH   SOLE   4,086 0 0
PEPSICO INC COM 713448108 BBG001S695T1 332,074 1,955 SH   SOLE   1,955 0 0
PFIZER INC COM 717081103 BBG001S5V466 939,085 32,618 SH   SOLE   32,618 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 1,920,461 20,413 SH   SOLE   20,413 0 0
PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 546,311 3,528 SH   SOLE   3,528 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 7,249,747 49,473 SH   SOLE   49,473 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 917,677 6,345 SH   SOLE   6,345 0 0
ROCKWELL AUTOMATION INC COM 773903109 BBG001S5VRF5 376,612 1,213 SH   SOLE   1,213 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 763,739 9,077 SH   SOLE   9,077 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 282,086 1,072 SH   SOLE   1,072 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 18,194,610 492,278 SH   SOLE   492,278 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 19,187,863 396,034 SH   SOLE   396,034 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 13,325,580 190,094 SH   SOLE   190,094 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 1,532,146 18,275 SH   SOLE   18,275 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 771,460 11,002 SH   SOLE   11,002 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 370,348 983 SH   SOLE   983 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 352,900 1,846 SH   SOLE   1,846 0 0
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 BBG001T21KR6 209,745 5,900 SH   SOLE   5,900 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 39,506,286 83,117 SH   SOLE   83,117 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 353,862 3,872 SH   SOLE   3,872 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 411,233 8,605 SH   SOLE   8,605 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 BBG001STKD11 29,084,478 1,134,340 SH   SOLE   1,134,340 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 380,759 9,027 SH   SOLE   9,027 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 BBG00B6WD879 947,151 24,168 SH   SOLE   24,168 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 490,757 3,927 SH   SOLE   3,927 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 250,382 2,608 SH   SOLE   2,608 0 0
SUMMIT ST BK SANTA ROSA CALI COM 866264203 BBG001SRFLF8 1,056,780 88,065 SH   SOLE   88,065 0 0
T ROWE PRICE ETF INC ULTRA SHRT TRM 87283Q701 BBG011XYK057 1,996,167 40,589 SH   SOLE   40,589 0 0
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 507,198 10,462 SH   SOLE   10,462 0 0
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 481,964 3,065 SH   SOLE   3,065 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 236,945 450 SH   SOLE   450 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 14,427,630 46,409 SH   SOLE   46,409 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 405,492 1,743 SH   SOLE   1,743 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 271,690 622 SH   SOLE   622 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,141,529 5,351 SH   SOLE   5,351 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 5,022,310 33,594 SH   SOLE   33,594 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 5,906,489 105,210 SH   SOLE   105,210 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,215,540 29,575 SH   SOLE   29,575 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 28,260,127 484,487 SH   SOLE   484,487 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 277,278 3,584 SH   SOLE   3,584 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,088,141 18,774 SH   SOLE   18,774 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 BBG001SHTTM0 303,720 3,292 SH   SOLE   3,292 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 922,163 24,461 SH   SOLE   24,461 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 851,804 3,272 SH   SOLE   3,272 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 389,184 2,173 SH   SOLE   2,173 0 0
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 1,156,850 23,504 SH   SOLE   23,504 0 0
WILLIAMS SONOMA INC COM 969904101 BBG001SBW7S1 203,394 1,008 SH   SOLE   1,008 0 0
WISDOMTREE TR US AI ENHANCED 97717W406 BBG001SHL7F4 1,565,724 16,326 SH   SOLE   16,326 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 BBG001SHL7K8 16,913,614 254,800 SH   SOLE   254,800 0 0