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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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
ABBVIE INC COM 00287Y109   369,396 2,154 SH   SOLE   0 0 2,154
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   388,949 1,282 SH   SOLE   0 0 1,282
ADOBE SYSTEMS INCORPORATED COM 00724F101   422,766 761 SH   SOLE   0 0 761
ADVANCED MICRO DEVICES INC COM 007903107   345,146 2,128 SH   SOLE   0 0 2,128
ALPHABET INC CAP STK CL A 02079K305   2,916,680 16,013 SH   SOLE   0 0 16,013
ALPHABET INC CAP STK CL C 02079K107   886,704 4,834 SH   SOLE   0 0 4,834
AMAZON COM INC COM 023135106   2,507,156 12,974 SH   SOLE   0 0 12,974
AMBEV SA SPONSORED ADR 02319V103   23,745 11,583 SH   SOLE   0 0 11,583
AMGEN INC COM 031162100   241,889 774 SH   SOLE   0 0 774
APPLE INC COM 037833100   5,091,288 24,173 SH   SOLE   0 0 24,173
APPLIED MATLS INC COM 038222105   270,947 1,148 SH   SOLE   0 0 1,148
ASML HOLDING N V N Y REGISTRY SHS N07059210   759,888 743 SH   SOLE   0 0 743
ASTRAZENECA PLC SPONSORED ADR 046353108   469,188 6,016 SH   SOLE   0 0 6,016
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   127,893 12,751 SH   SOLE   0 0 12,751
BANCO SANTANDER S.A. ADR 05964H105   171,231 36,983 SH   SOLE   0 0 36,983
BANK AMERICA CORP COM 060505104   308,153 7,748 SH   SOLE   0 0 7,748
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,256,255 3,088 SH   SOLE   0 0 3,088
BHP GROUP LTD SPONSORED ADS 088606108   326,441 5,718 SH   SOLE   0 0 5,718
BOOKING HOLDINGS INC COM 09857L108   313,988 79 SH   SOLE   0 0 79
BOSTON SCIENTIFIC CORP COM 101137107   243,821 3,166 SH   SOLE   0 0 3,166
BP PLC SPONSORED ADR 055622104   242,773 6,725 SH   SOLE   0 0 6,725
BROADCOM INC COM 11135F101   895,189 558 SH   SOLE   0 0 558
CATERPILLAR INC COM 149123101   378,844 1,137 SH   SOLE   0 0 1,137
CHEVRON CORP NEW COM 166764100   214,553 1,372 SH   SOLE   0 0 1,372
CHIPOTLE MEXICAN GRILL INC COM 169656105   394,538 6,298 SH   SOLE   0 0 6,298
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   22,396 12,725 SH   SOLE   0 0 12,725
COCA COLA CO COM 191216100   325,100 5,108 SH   SOLE   0 0 5,108
COMERICA INC COM 200340107   225,086 4,410 SH   SOLE   0 0 4,410
COSTCO WHSL CORP NEW COM 22160K105   619,745 729 SH   SOLE   0 0 729
DANAHER CORPORATION COM 235851102   290,158 1,161 SH   SOLE   0 0 1,161
DBX ETF TR XTRACK MSCI EAFE 233051200   498,830 12,037 SH   SOLE   0 0 12,037
DISNEY WALT CO COM 254687106   235,831 2,375 SH   SOLE   0 0 2,375
ELEVANCE HEALTH INC COM 036752103   274,398 506 SH   SOLE   0 0 506
ELI LILLY & CO COM 532457108   2,850,743 3,149 SH   SOLE   0 0 3,149
EMERSON ELEC CO COM 291011104   267,282 2,426 SH   SOLE   0 0 2,426
EXXON MOBIL CORP COM 30231G102   783,455 6,806 SH   SOLE   0 0 6,806
GENERAL ELECTRIC CO COM NEW 369604301   222,692 1,401 SH   SOLE   0 0 1,401
HOME DEPOT INC COM 437076102   478,401 1,390 SH   SOLE   0 0 1,390
HONEYWELL INTL INC COM 438516106   235,846 1,104 SH   SOLE   0 0 1,104
HSBC HLDGS PLC SPON ADR NEW 404280406   358,919 8,251 SH   SOLE   0 0 8,251
ING GROEP N.V. SPONSORED ADR 456837103   214,471 12,513 SH   SOLE   0 0 12,513
INTUIT COM 461202103   356,208 542 SH   SOLE   0 0 542
INTUITIVE SURGICAL INC COM NEW 46120E602   288,120 648 SH   SOLE   0 0 648
ISHARES INC CORE MSCI EMKT 46434G103   3,535,341 66,044 SH   SOLE   0 0 66,044
ISHARES TR CALIF MUN BD ETF 464288356   4,556,771 80,112 SH   SOLE   0 0 80,112
ISHARES TR CORE MSCI EAFE 46432F842   3,397,625 46,773 SH   SOLE   0 0 46,773
ISHARES TR CORE MSCI INTL 46435G326   3,369,771 51,337 SH   SOLE   0 0 51,337
ISHARES TR CORE MSCI TOTAL 46432F834   1,158,358 17,146 SH   SOLE   0 0 17,146
ISHARES TR CORE S&P SCP ETF 464287804   2,208,832 20,709 SH   SOLE   0 0 20,709
ISHARES TR CORE S&P TTL STK 464287150   256,282 2,158 SH   SOLE   0 0 2,158
ISHARES TR CORE S&P US GWT 464287671   2,442,482 19,160 SH   SOLE   0 0 19,160
ISHARES TR CORE S&P500 ETF 464287200   2,727,073 4,983 SH   SOLE   0 0 4,983
ISHARES TR GLOBAL REIT ETF 46434V647   1,129,384 48,576 SH   SOLE   0 0 48,576
ISHARES TR HDG MSCI EAFE 46434V803   5,630,726 158,367 SH   SOLE   0 0 158,367
ISHARES TR MSCI ACWI ETF 464288257   235,590 2,096 SH   SOLE   0 0 2,096
ISHARES TR MSCI USA ESG SLC 464288802   224,740 2,000 SH   SOLE   0 0 2,000
ISHARES TR NATIONAL MUN ETF 464288414   6,269,988 58,846 SH   SOLE   0 0 58,846
ISHARES TR RUS MDCP VAL ETF 464287465   255,826 3,266 SH   SOLE   0 0 3,266
ISHARES TR SHRT NAT MUN ETF 464288158   426,564 4,080 SH   SOLE   0 0 4,080
JOHNSON & JOHNSON COM 478160104   306,679 2,098 SH   SOLE   0 0 2,098
JPMORGAN CHASE & CO COM 46625H100   968,045 4,786 SH   SOLE   0 0 4,786
LINDE PLC SHS G54950103   454,348 1,035 SH   SOLE   0 0 1,035
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   79,236 29,024 SH   SOLE   0 0 29,024
MASTERCARD INCORPORATED CL A 57636Q104   626,350 1,420 SH   SOLE   0 0 1,420
MCDONALDS CORP COM 580135101   334,513 1,313 SH   SOLE   0 0 1,313
MCKESSON CORP COM 58155Q103   222,579 381 SH   SOLE   0 0 381
MERCK & CO INC COM 58933Y105   424,862 3,432 SH   SOLE   0 0 3,432
META PLATFORMS INC CL A 30303M102   1,954,004 3,875 SH   SOLE   0 0 3,875
MICROSOFT CORP COM 594918104   6,430,501 14,388 SH   SOLE   0 0 14,388
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104   407,970 37,775 SH   SOLE   0 0 37,775
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109   54,114 12,793 SH   SOLE   0 0 12,793
NETFLIX INC COM 64110L106   973,062 1,442 SH   SOLE   0 0 1,442
NOVARTIS AG SPONSORED ADR 66987V109   361,625 3,397 SH   SOLE   0 0 3,397
NOVO-NORDISK A S ADR 670100205   1,232,534 8,635 SH   SOLE   0 0 8,635
NVIDIA CORPORATION COM 67066G104   4,300,390 34,810 SH   SOLE   0 0 34,810
ORACLE CORP COM 68389X105   272,770 1,932 SH   SOLE   0 0 1,932
PEPSICO INC COM 713448108   293,041 1,777 SH   SOLE   0 0 1,777
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408   163,258 11,267 SH   SOLE   0 0 11,267
PHILLIPS 66 COM 718546104   207,129 1,467 SH   SOLE   0 0 1,467
PROCTER AND GAMBLE CO COM 742718109   576,217 3,494 SH   SOLE   0 0 3,494
RELX PLC SPONSORED ADR 759530108   280,559 6,115 SH   SOLE   0 0 6,115
RIO TINTO PLC SPONSORED ADR 767204100   255,583 3,877 SH   SOLE   0 0 3,877
RTX CORPORATION COM 75513E101   251,991 2,510 SH   SOLE   0 0 2,510
S&P GLOBAL INC COM 78409V104   279,602 627 SH   SOLE   0 0 627
SALESFORCE INC COM 79466L302   493,303 1,919 SH   SOLE   0 0 1,919
SAP SE SPON ADR 803054204   424,702 2,106 SH   SOLE   0 0 2,106
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   2,418,812 67,982 SH   SOLE   0 0 67,982
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   939,026 14,936 SH   SOLE   0 0 14,936
SCHWAB STRATEGIC TR US TIPS ETF 808524870   239,610 4,607 SH   SOLE   0 0 4,607
SHELL PLC SPON ADS 780259305   313,983 4,350 SH   SOLE   0 0 4,350
SONY GROUP CORP SPONSORED ADR 835699307   220,105 2,591 SH   SOLE   0 0 2,591
SPDR S&P 500 ETF TR TR UNIT 78462F103   573,064 1,053 SH   SOLE   0 0 1,053
SPDR SER TR BLOOMBERG HIGH Y 78468R622   1,284,379 13,624 SH   SOLE   0 0 13,624
SPDR SER TR NUVEEN BLMBRG SH 78468R739   2,148,915 45,538 SH   SOLE   0 0 45,538
SPDR SER TR NUVEEN BLOOMBERG 78464A284   2,352,310 92,465 SH   SOLE   0 0 92,465
STARBUCKS CORP COM 855244109   211,178 2,713 SH   SOLE   0 0 2,713
STRYKER CORPORATION COM 863667101   257,841 758 SH   SOLE   0 0 758
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   368,855 27,506 SH   SOLE   0 0 27,506
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   406,008 2,336 SH   SOLE   0 0 2,336
TELEFONICA S A SPONSORED ADR 879382208   66,935 15,899 SH   SOLE   0 0 15,899
TESLA INC COM 88160R101   467,782 2,364 SH   SOLE   0 0 2,364
TEXAS INSTRS INC COM 882508104   245,707 1,263 SH   SOLE   0 0 1,263
THERMO FISHER SCIENTIFIC INC COM 883556102   333,536 603 SH   SOLE   0 0 603
TJX COS INC NEW COM 872540109   216,480 1,966 SH   SOLE   0 0 1,966
TOTALENERGIES SE SPONSORED ADS 89151E109   211,976 3,179 SH   SOLE   0 0 3,179
TOYOTA MOTOR CORP ADS 892331307   410,555 2,003 SH   SOLE   0 0 2,003
UBER TECHNOLOGIES INC COM 90353T100   204,519 2,814 SH   SOLE   0 0 2,814
UBS GROUP AG SHS H42097107   220,546 7,466 SH   SOLE   0 0 7,466
UNILEVER PLC SPON ADR NEW 904767704   220,426 4,008 SH   SOLE   0 0 4,008
UNION PAC CORP COM 907818108   296,892 1,312 SH   SOLE   0 0 1,312
UNITEDHEALTH GROUP INC COM 91324P102   496,661 975 SH   SOLE   0 0 975
VANGUARD BD INDEX FDS INTERMED TERM 921937819   11,418,100 152,465 SH   SOLE   0 0 152,465
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   21,464,986 279,856 SH   SOLE   0 0 279,856
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   273,574 3,797 SH   SOLE   0 0 3,797
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,862,684 38,272 SH   SOLE   0 0 38,272
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   596,673 3,535 SH   SOLE   0 0 3,535
VANGUARD INDEX FDS GROWTH ETF 922908736   252,951 676 SH   SOLE   0 0 676
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   448,524 2,982 SH   SOLE   0 0 2,982
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,274,435 51,032 SH   SOLE   0 0 51,032
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   24,753,448 49,494 SH   SOLE   0 0 49,494
VANGUARD INDEX FDS SM CP VAL ETF 922908611   11,320,910 62,026 SH   SOLE   0 0 62,026
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,196,971 10,076 SH   SOLE   0 0 10,076
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,055,147 18,897 SH   SOLE   0 0 18,897
VANGUARD INDEX FDS VALUE ETF 922908744   7,114,597 44,353 SH   SOLE   0 0 44,353
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   872,505 14,879 SH   SOLE   0 0 14,879
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,879,388 24,508 SH   SOLE   0 0 24,508
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   4,129,525 101,788 SH   SOLE   0 0 101,788
VANGUARD STAR FDS VG TL INTL STK F 921909768   878,554 14,570 SH   SOLE   0 0 14,570
VISA INC COM CL A 92826C839   661,772 2,521 SH   SOLE   0 0 2,521
WALMART INC COM 931142103   500,448 7,391 SH   SOLE   0 0 7,391
WELLS FARGO CO NEW COM 949746101   218,526 3,680 SH   SOLE   0 0 3,680