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
APPLE INC COM 037833100   5,495,263 26,091 SH   SOLE 0 0 0 26,091
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   5,574,172 118,751 SH   SOLE 0 0 0 118,751
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   1,554,777 29,785 SH   SOLE 0 0 0 29,785
FORD MTR CO DEL COM 345370860   245,307 19,562 SH   SOLE 0 0 0 19,562
FRANKLIN TEMPLETON ETF TR INCOME EQT FOCUS 35473P504   436,198 8,101 SH   SOLE 0 0 0 8,101
ISHARES INC MSCI EMRG CHN 46434G764   3,298,565 55,719 SH   SOLE 0 0 0 55,719
ISHARES INC CORE MSCI EMKT 46434G103   847,755 15,837 SH   SOLE 0 0 0 15,837
ISHARES TR CORE MSCI EAFE 46432F842   2,014,598 27,734 SH   SOLE 0 0 0 27,734
ISHARES TR MSCI USA MMENTM 46432F396   201,885 1,036 SH   SOLE 0 0 0 1,036
ISHARES TR MSCI USA VALUE 46432F388   461,225 4,458 SH   SOLE 0 0 0 4,458
ISHARES TR MSCI USA QLT FCT 46432F339   5,976,600 35,000 SH   SOLE 0 0 0 35,000
ISHARES TR HDG MSCI EAFE 46434V803   1,191,342 33,507 SH   SOLE 0 0 0 33,507
ISHARES TR CORE TOTAL USD 46434V613   1,163,782 25,736 SH   SOLE 0 0 0 25,736
ISHARES TR TIPS BD ETF 464287176   854,987 8,007 SH   SOLE 0 0 0 8,007
ISHARES TR NATIONAL MUN ETF 464288414   689,698 6,473 SH   SOLE 0 0 0 6,473
ISHARES TR JPMORGAN USD EMG 464288281   589,454 6,662 SH   SOLE 0 0 0 6,662
ISHARES TR S&P 100 ETF 464287101   2,418,081 9,149 SH   SOLE 0 0 0 9,149
ISHARES TR EAFE VALUE ETF 464288877   4,555,818 85,894 SH   SOLE 0 0 0 85,894
ISHARES TR EAFE GRWTH ETF 464288885   6,969,392 68,127 SH   SOLE 0 0 0 68,127
ISHARES TR CORE S&P TTL STK 464287150   10,591,850 89,172 SH   SOLE 0 0 0 89,172
ISHARES TR CORE S&P500 ETF 464287200   5,679,153 10,378 SH   SOLE 0 0 0 10,378
ISHARES TR RUS 1000 GRW ETF 464287614   269,373 739 SH   SOLE 0 0 0 739
ISHARES TR GLOBAL ENERG ETF 464287341   322,823 7,777 SH   SOLE 0 0 0 7,777
ISHARES TR GLOBAL TECH ETF 464287291   2,538,267 30,648 SH   SOLE 0 0 0 30,648
ISHARES TR U.S. TECH ETF 464287721   914,739 6,078 SH   SOLE 0 0 0 6,078
ISHARES TR 7-10 YR TRSY BD 464287440   2,412,424 25,760 SH   SOLE 0 0 0 25,760
ISHARES TR 20 YR TR BD ETF 464287432   1,272,346 13,863 SH   SOLE 0 0 0 13,863
ISHARES TR US INFRASTRUC 46435U713   796,279 18,905 SH   SOLE 0 0 0 18,905
ISHARES TR CALIF MUN BD ETF 464288356   7,158,519 125,853 SH   SOLE 0 0 0 125,853
ISHARES TR SHRT NAT MUN ETF 464288158   1,375,042 13,152 SH   SOLE 0 0 0 13,152
ISHARES TR MSCI USA MIN VOL 46429B697   927,338 11,045 SH   SOLE 0 0 0 11,045
ISHARES TR US TREAS BD ETF 46429B267   950,039 42,093 SH   SOLE 0 0 0 42,093
ISHARES TR ESG AWR MSCI USA 46435G425   3,263,641 27,352 SH   SOLE 0 0 0 27,352
LOCKHEED MARTIN CORP COM 539830109   761,840 1,631 SH   SOLE 0 0 0 1,631
META PLATFORMS INC CL A 30303M102   221,857 440 SH   SOLE 0 0 0 440
MICROSOFT CORP COM 594918104   381,881 854 SH   SOLE 0 0 0 854
ORACLE CORP COM 68389X105   1,575,933 11,161 SH   SOLE 0 0 0 11,161
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   279,497 6,132 SH   SOLE 0 0 0 6,132
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   596,241 15,828 SH   SOLE 0 0 0 15,828
SPDR S&P 500 ETF TR TR UNIT 78462F103   611,703 1,124 SH   SOLE 0 0 0 1,124
SPDR SER TR PORTFLI INTRMDIT 78464A672   769,037 27,446 SH   SOLE 0 0 0 27,446
TESLA INC COM 88160R101   452,947 2,289 SH   SOLE 0 0 0 2,289
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   8,577,985 119,056 SH   SOLE 0 0 0 119,056
VANGUARD INDEX FDS VALUE ETF 922908744   3,498,703 21,811 SH   SOLE 0 0 0 21,811
VANGUARD INDEX FDS GROWTH ETF 922908736   9,523,791 25,464 SH   SOLE 0 0 0 25,464
VANGUARD INDEX FDS TOTAL STK MKT 922908769   824,971 3,084 SH   SOLE 0 0 0 3,084
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   14,210,694 28,414 SH   SOLE 0 0 0 28,414
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,390,211 31,769 SH   SOLE 0 0 0 31,769
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   825,710 14,081 SH   SOLE 0 0 0 14,081
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   961,210 19,182 SH   SOLE 0 0 0 19,182
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   2,359,529 51,972 SH   SOLE 0 0 0 51,972
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   833,320 16,862 SH   SOLE 0 0 0 16,862