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
Estimated average burden
hours per response: 23.8
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   5,966,172 25,606 SH   SOLE 0 0 0 25,606
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   6,173,559 124,794 SH   SOLE 0 0 0 124,794
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   1,751,555 32,721 SH   SOLE 0 0 0 32,721
FORD MTR CO COM 345370860   206,575 19,562 SH   SOLE 0 0 0 19,562
ISHARES INC MSCI EMRG CHN 46434G764   3,921,123 64,165 SH   SOLE 0 0 0 64,165
ISHARES INC CORE MSCI EMKT 46434G103   457,098 7,962 SH   SOLE 0 0 0 7,962
ISHARES TR CORE MSCI TOTAL 46432F834   1,148,426 15,812 SH   SOLE 0 0 0 15,812
ISHARES TR CORE MSCI EAFE 46432F842   2,105,399 26,975 SH   SOLE 0 0 0 26,975
ISHARES TR MSCI USA MMENTM 46432F396   215,331 1,062 SH   SOLE 0 0 0 1,062
ISHARES TR MSCI USA VALUE 46432F388   486,100 4,458 SH   SOLE 0 0 0 4,458
ISHARES TR MSCI USA QLT FCT 46432F339   6,566,863 36,625 SH   SOLE 0 0 0 36,625
ISHARES TR HDG MSCI EAFE 46434V803   205,011 5,788 SH   SOLE 0 0 0 5,788
ISHARES TR CORE TOTAL USD 46434V613   1,212,680 25,736 SH   SOLE 0 0 0 25,736
ISHARES TR US INFRASTRUC 46435U713   917,606 19,536 SH   SOLE 0 0 0 19,536
ISHARES TR ESG AWR MSCI USA 46435G425   566,801 4,492 SH   SOLE 0 0 0 4,492
ISHARES TR INVESTMENT GRADE 46435G219   366,741 7,892 SH   SOLE 0 0 0 7,892
ISHARES TR S&P 100 ETF 464287101   1,198,648 4,331 SH   SOLE 0 0 0 4,331
ISHARES TR S&P 500 VAL ETF 464287408   2,680,723 13,596 SH   SOLE 0 0 0 13,596
ISHARES TR CORE S&P500 ETF 464287200   7,300,811 12,657 SH   SOLE 0 0 0 12,657
ISHARES TR RUS 1000 GRW ETF 464287614   277,406 739 SH   SOLE 0 0 0 739
ISHARES TR GLOBAL ENERG ETF 464287341   345,497 8,535 SH   SOLE 0 0 0 8,535
ISHARES TR GLOBAL TECH ETF 464287291   1,357,206 16,445 SH   SOLE 0 0 0 16,445
ISHARES TR U.S. TECH ETF 464287721   2,485,962 16,396 SH   SOLE 0 0 0 16,396
ISHARES TR 7-10 YR TRSY BD 464287440   2,525,805 25,742 SH   SOLE 0 0 0 25,742
ISHARES TR 20 YR TR BD ETF 464287432   1,386,545 14,134 SH   SOLE 0 0 0 14,134
ISHARES TR EAFE VALUE ETF 464288877   8,433,783 146,598 SH   SOLE 0 0 0 146,598
ISHARES TR EAFE GRWTH ETF 464288885   7,396,201 68,706 SH   SOLE 0 0 0 68,706
ISHARES TR CORE S&P TTL STK 464287150   7,164,611 57,034 SH   SOLE 0 0 0 57,034
ISHARES TR MBS ETF 464288588   365,228 3,812 SH   SOLE 0 0 0 3,812
ISHARES TR NATIONAL MUN ETF 464288414   726,517 6,688 SH   SOLE 0 0 0 6,688
ISHARES TR JPMORGAN USD EMG 464288281   682,853 7,297 SH   SOLE 0 0 0 7,297
ISHARES TR CALIF MUN BD ETF 464288356   7,428,201 127,830 SH   SOLE 0 0 0 127,830
ISHARES TR SHRT NAT MUN ETF 464288158   1,275,023 12,007 SH   SOLE 0 0 0 12,007
ISHARES TR MSCI USA MIN VOL 46429B697   980,122 10,734 SH   SOLE 0 0 0 10,734
ISHARES TR US TREAS BD ETF 46429B267   1,181,223 50,372 SH   SOLE 0 0 0 50,372
LOCKHEED MARTIN CORP COM 539830109   953,417 1,631 SH   SOLE 0 0 0 1,631
META PLATFORMS INC CL A 30303M102   251,874 440 SH   SOLE 0 0 0 440
MICROSOFT CORP COM 594918104   367,655 854 SH   SOLE 0 0 0 854
ORACLE CORP COM 68389X105   1,898,086 11,139 SH   SOLE 0 0 0 11,139
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   291,393 6,132 SH   SOLE 0 0 0 6,132
SPDR S&P 500 ETF TR TR UNIT 78462F103   644,906 1,124 SH   SOLE 0 0 0 1,124
SPDR SER TR PORTFLI INTRMDIT 78464A672   744,023 25,603 SH   SOLE 0 0 0 25,603
TESLA INC COM 88160R101   598,871 2,289 SH   SOLE 0 0 0 2,289
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   12,401,037 165,105 SH   SOLE 0 0 0 165,105
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   21,034,509 39,863 SH   SOLE 0 0 0 39,863
VANGUARD INDEX FDS TOTAL STK MKT 922908769   682,146 2,409 SH   SOLE 0 0 0 2,409
VANGUARD INDEX FDS VALUE ETF 922908744   1,244,859 7,131 SH   SOLE 0 0 0 7,131
VANGUARD INDEX FDS GROWTH ETF 922908736   9,643,170 25,117 SH   SOLE 0 0 0 25,117
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,242,203 46,859 SH   SOLE 0 0 0 46,859
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   980,584 19,182 SH   SOLE 0 0 0 19,182
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   2,243,608 47,524 SH   SOLE 0 0 0 47,524