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
ABBVIE INC COM 00287Y109   379,496 2,084 SH   SOLE   0 0 2,084
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   510,711 1,473 SH   SOLE   0 0 1,473
ADOBE SYSTEMS INCORPORATED COM 00724F101   376,936 747 SH   SOLE   0 0 747
ADVANCED MICRO DEVICES INC COM 007903107   378,307 2,096 SH   SOLE   0 0 2,096
ALPHABET INC CAP STK CL A 02079K305   2,408,994 15,961 SH   SOLE   0 0 15,961
ALPHABET INC CAP STK CL C 02079K107   596,814 3,920 SH   SOLE   0 0 3,920
AMAZON COM INC COM 023135106   2,272,788 12,600 SH   SOLE   0 0 12,600
AMGEN INC COM 031162100   213,240 750 SH   SOLE   0 0 750
APPLE INC COM 037833100   3,966,206 23,129 SH   SOLE   0 0 23,129
APPLIED MATLS INC COM 038222105   234,277 1,136 SH   SOLE   0 0 1,136
ASML HOLDING N V N Y REGISTRY SHS N07059210   677,388 698 SH   SOLE   0 0 698
ASTRAZENECA PLC SPONSORED ADR 046353108   350,335 5,171 SH   SOLE   0 0 5,171
AT&T INC COM 00206R102   177,936 10,110 SH   SOLE   0 0 10,110
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   137,285 11,595 SH   SOLE   0 0 11,595
BANCO SANTANDER S.A. ADR 05964H105   164,647 34,018 SH   SOLE   0 0 34,018
BANK AMERICA CORP COM 060505104   285,272 7,523 SH   SOLE   0 0 7,523
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,255,252 2,985 SH   SOLE   0 0 2,985
BHP GROUP LTD SPONSORED ADS 088606108   321,564 5,574 SH   SOLE   0 0 5,574
BOOKING HOLDINGS INC COM 09857L108   272,091 75 SH   SOLE   0 0 75
BOSTON SCIENTIFIC CORP COM 101137107   204,032 2,979 SH   SOLE   0 0 2,979
BP PLC SPONSORED ADR 055622104   249,894 6,632 SH   SOLE   0 0 6,632
BROADCOM INC COM 11135F101   704,772 532 SH   SOLE   0 0 532
BROADSTONE NET LEASE INC COM 11135E203   219,374 14,000 SH   SOLE   0 0 14,000
CATERPILLAR INC COM 149123101   406,371 1,109 SH   SOLE   0 0 1,109
CHEVRON CORP NEW COM 166764100   268,947 1,705 SH   SOLE   0 0 1,705
CHIPOTLE MEXICAN GRILL INC COM 169656105   360,439 124 SH   SOLE   0 0 124
CISCO SYS INC COM 17275R102   227,839 4,565 SH   SOLE   0 0 4,565
COCA COLA CO COM 191216100   317,647 5,192 SH   SOLE   0 0 5,192
COMCAST CORP NEW CL A 20030N101   212,328 4,898 SH   SOLE   0 0 4,898
COMERICA INC COM 200340107   257,078 4,675 SH   SOLE   0 0 4,675
COSTCO WHSL CORP NEW COM 22160K105   515,039 703 SH   SOLE   0 0 703
DANAHER CORPORATION COM 235851102   319,392 1,279 SH   SOLE   0 0 1,279
DBX ETF TR XTRACK MSCI EAFE 233051200   505,750 12,356 SH   SOLE   0 0 12,356
DISNEY WALT CO COM 254687106   278,755 2,278 SH   SOLE   0 0 2,278
ELEVANCE HEALTH INC COM 036752103   261,863 505 SH   SOLE   0 0 505
ELI LILLY & CO COM 532457108   2,362,665 3,037 SH   SOLE   0 0 3,037
EMERSON ELEC CO COM 291011104   275,837 2,432 SH   SOLE   0 0 2,432
EXXON MOBIL CORP COM 30231G102   725,803 6,244 SH   SOLE   0 0 6,244
GENERAL ELECTRIC CO COM NEW 369604301   227,311 1,295 SH   SOLE   0 0 1,295
HOME DEPOT INC COM 437076102   538,525 1,404 SH   SOLE   0 0 1,404
HONEYWELL INTL INC COM 438516106   235,832 1,149 SH   SOLE   0 0 1,149
HSBC HLDGS PLC SPON ADR NEW 404280406   268,160 6,813 SH   SOLE   0 0 6,813
ING GROEP N.V. SPONSORED ADR 456837103   201,149 12,198 SH   SOLE   0 0 12,198
INTUIT COM 461202103   346,450 533 SH   SOLE   0 0 533
INTUITIVE SURGICAL INC COM NEW 46120E602   244,642 613 SH   SOLE   0 0 613
ISHARES INC CORE MSCI EMKT 46434G103   4,121,725 79,878 SH   SOLE   0 0 79,878
ISHARES TR MSCI USA ESG SLC 464288802   218,340 2,000 SH   SOLE   0 0 2,000
ISHARES TR SHRT NAT MUN ETF 464288158   290,940 2,778 SH   SOLE   0 0 2,778
ISHARES TR CALIF MUN BD ETF 464288356   5,418,945 94,177 SH   SOLE   0 0 94,177
ISHARES TR CORE S&P SCP ETF 464287804   3,256,649 29,467 SH   SOLE   0 0 29,467
ISHARES TR CORE MSCI INTL 46435G326   4,200,575 62,574 SH   SOLE   0 0 62,574
ISHARES TR CORE S&P TTL STK 464287150   340,681 2,955 SH   SOLE   0 0 2,955
ISHARES TR CORE MSCI TOTAL 46432F834   1,269,893 18,713 SH   SOLE   0 0 18,713
ISHARES TR CORE MSCI EAFE 46432F842   4,267,170 57,494 SH   SOLE   0 0 57,494
ISHARES TR CORE S&P500 ETF 464287200   2,475,153 4,708 SH   SOLE   0 0 4,708
ISHARES TR NATIONAL MUN ETF 464288414   6,493,176 60,346 SH   SOLE   0 0 60,346
ISHARES TR HDG MSCI EAFE 46434V803   4,308,156 123,514 SH   SOLE   0 0 123,514
ISHARES TR CORE S&P US GWT 464287671   2,245,685 19,160 SH   SOLE   0 0 19,160
ISHARES TR GLOBAL REIT ETF 46434V647   1,441,092 60,857 SH   SOLE   0 0 60,857
ISHARES TR MSCI ACWI ETF 464288257   230,832 2,096 SH   SOLE   0 0 2,096
ISHARES TR RUS MDCP VAL ETF 464287465   260,823 3,266 SH   SOLE   0 0 3,266
JOHNSON & JOHNSON COM 478160104   466,529 2,949 SH   SOLE   0 0 2,949
JPMORGAN CHASE & CO COM 46625H100   957,634 4,781 SH   SOLE   0 0 4,781
LINDE PLC SHS G54950103   474,071 1,021 SH   SOLE   0 0 1,021
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   67,104 25,909 SH   SOLE   0 0 25,909
MASTERCARD INCORPORATED CL A 57636Q104   670,827 1,393 SH   SOLE   0 0 1,393
MCDONALDS CORP COM 580135101   360,614 1,279 SH   SOLE   0 0 1,279
MCKESSON CORP COM 58155Q103   204,364 381 SH   SOLE   0 0 381
MERCK & CO INC COM 58933Y105   427,650 3,241 SH   SOLE   0 0 3,241
META PLATFORMS INC CL A 30303M102   1,773,338 3,652 SH   SOLE   0 0 3,652
MICROSOFT CORP COM 594918104   5,950,447 14,143 SH   SOLE   0 0 14,143
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   376,413 36,795 SH   SOLE   0 0 36,795
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   41,472 10,420 SH   SOLE   0 0 10,420
NETFLIX INC COM 64110L106   833,864 1,373 SH   SOLE   0 0 1,373
NOVARTIS AG SPONSORED ADR 66987V109   299,984 3,101 SH   SOLE   0 0 3,101
NOVO-NORDISK A S ADR 670100205   1,014,795 7,903 SH   SOLE   0 0 7,903
NVIDIA CORPORATION COM 67066G104   3,422,685 3,788 SH   SOLE   0 0 3,788
ORACLE CORP COM 68389X105   239,505 1,907 SH   SOLE   0 0 1,907
PEPSICO INC COM 713448108   262,340 1,499 SH   SOLE   0 0 1,499
PHILLIPS 66 COM 718546104   239,783 1,468 SH   SOLE   0 0 1,468
PROCTER AND GAMBLE CO COM 742718109   595,192 3,668 SH   SOLE   0 0 3,668
PROLOGIS INC. COM 74340W103   201,320 1,546 SH   SOLE   0 0 1,546
RELX PLC SPONSORED ADR 759530108   253,307 5,851 SH   SOLE   0 0 5,851
RIO TINTO PLC SPONSORED ADR 767204100   238,877 3,748 SH   SOLE   0 0 3,748
RTX CORPORATION COM 75513E101   225,571 2,313 SH   SOLE   0 0 2,313
S&P GLOBAL INC COM 78409V104   252,717 594 SH   SOLE   0 0 594
SALESFORCE INC COM 79466L302   580,374 1,927 SH   SOLE   0 0 1,927
SAP SE SPON ADR 803054204   396,595 2,034 SH   SOLE   0 0 2,034
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   911,843 14,936 SH   SOLE   0 0 14,936
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,925,766 53,792 SH   SOLE   0 0 53,792
SCHWAB STRATEGIC TR US TIPS ETF 808524870   266,955 5,118 SH   SOLE   0 0 5,118
SHELL PLC SPON ADS 780259305   265,948 3,967 SH   SOLE   0 0 3,967
SONY GROUP CORP SPONSORED ADR 835699307   231,841 2,704 SH   SOLE   0 0 2,704
SPDR S&P 500 ETF TR TR UNIT 78462F103   622,453 1,190 SH   SOLE   0 0 1,190
SPDR SER TR NUVEEN BLMBRG SH 78468R739   2,210,396 46,594 SH   SOLE   0 0 46,594
SPDR SER TR NUVEEN BLOOMBERG 78464A284   2,443,068 95,098 SH   SOLE   0 0 95,098
SPDR SER TR BLOOMBERG HIGH Y 78468R622   2,039,852 21,427 SH   SOLE   0 0 21,427
STARBUCKS CORP COM 855244109   272,909 2,986 SH   SOLE   0 0 2,986
STRYKER CORPORATION COM 863667101   265,897 743 SH   SOLE   0 0 743
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   313,635 26,647 SH   SOLE   0 0 26,647
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   220,644 1,622 SH   SOLE   0 0 1,622
TELEFONICA S A SPONSORED ADR 879382208   67,416 15,287 SH   SOLE   0 0 15,287
TESLA INC COM 88160R101   882,466 5,020 SH   SOLE   0 0 5,020
TEXAS INSTRS INC COM 882508104   211,665 1,215 SH   SOLE   0 0 1,215
THERMO FISHER SCIENTIFIC INC COM 883556102   356,863 614 SH   SOLE   0 0 614
TOTALENERGIES SE SPONSORED ADS 89151E109   208,899 3,035 SH   SOLE   0 0 3,035
TOYOTA MOTOR CORP ADS 892331307   487,252 1,936 SH   SOLE   0 0 1,936
UBER TECHNOLOGIES INC COM 90353T100   206,949 2,688 SH   SOLE   0 0 2,688
UBS GROUP AG SHS H42097107   215,992 7,031 SH   SOLE   0 0 7,031
UNILEVER PLC SPON ADR NEW 904767704   242,398 4,830 SH   SOLE   0 0 4,830
UNION PAC CORP COM 907818108   318,233 1,294 SH   SOLE   0 0 1,294
UNITEDHEALTH GROUP INC COM 91324P102   594,135 1,201 SH   SOLE   0 0 1,201
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   250,719 3,452 SH   SOLE   0 0 3,452
VANGUARD BD INDEX FDS INTERMED TERM 921937819   13,140,093 174,272 SH   SOLE   0 0 174,272
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   25,048,207 326,702 SH   SOLE   0 0 326,702
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,374,941 48,281 SH   SOLE   0 0 48,281
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,936,588 18,994 SH   SOLE   0 0 18,994
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   619,579 3,535 SH   SOLE   0 0 3,535
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,137,354 47,842 SH   SOLE   0 0 47,842
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,371,850 10,376 SH   SOLE   0 0 10,376
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   30,903,982 64,290 SH   SOLE   0 0 64,290
VANGUARD INDEX FDS SM CP VAL ETF 922908611   11,240,309 58,580 SH   SOLE   0 0 58,580
VANGUARD INDEX FDS VALUE ETF 922908744   6,047,493 37,133 SH   SOLE   0 0 37,133
VANGUARD INDEX FDS GROWTH ETF 922908736   232,790 676 SH   SOLE   0 0 676
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   537,016 3,444 SH   SOLE   0 0 3,444
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   3,554,790 30,424 SH   SOLE   0 0 30,424
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   4,123,553 97,854 SH   SOLE   0 0 97,854
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   899,574 15,338 SH   SOLE   0 0 15,338
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   425,752 5,442 SH   SOLE   0 0 5,442
VANGUARD STAR FDS VG TL INTL STK F 921909768   985,081 16,336 SH   SOLE   0 0 16,336
VISA INC COM CL A 92826C839   684,408 2,452 SH   SOLE   0 0 2,452
WALMART INC COM 931142103   436,215 7,250 SH   SOLE   0 0 7,250
WELLS FARGO CO NEW COM 949746101   213,235 3,679 SH   SOLE   0 0 3,679