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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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,079,804 5,704 SH   SOLE   0 0 5,704
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 545,367 2,864 SH   SOLE   0 0 2,864
AMAZON COM INC COM 023135106 BBG001S5PQL7 831,927 3,792 SH   SOLE   0 0 3,792
APPLE INC COM 037833100 BBG001S5N8V8 4,815,809 19,231 SH   SOLE   0 0 19,231
CISCO SYS INC COM 17275R102 BBG001S6HC62 216,943 3,665 SH   SOLE   0 0 3,665
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 237,965 260 SH   SOLE   0 0 260
DUOLINGO INC CL A COM 26603R106 BBG003D4V960 226,961 700 SH   SOLE   0 0 700
FORTINET INC COM 34959E109 BBG001S77BL6 214,942 2,275 SH   SOLE   0 0 2,275
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 204,045 356 SH   SOLE   0 0 356
INTUIT COM 461202103 BBG001S6TWR2 209,257 333 SH   SOLE   0 0 333
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 BBG001SS30K9 1,441,786 14,642 SH   SOLE   0 0 14,642
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 2,619,389 5,124 SH   SOLE   0 0 5,124
INVESTMENT MANAGERS SER TR I AXS CHANGE FINAN 46144X107 BBG0166P2CZ6 3,159,673 83,215 SH   SOLE   0 0 83,215
ISHARES GOLD TR SHARES REPRESENT 46436F103 BBG011K3SP01 604,174 23,087 SH   SOLE   0 0 23,087
ISHARES TR 0-3 MNTH TREASRY 46436E718 BBG00TZR7YF0 15,425,505 153,763 SH   SOLE   0 0 153,763
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 487,416 5,946 SH   SOLE   0 0 5,946
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 565,573 6,476 SH   SOLE   0 0 6,476
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 257,718 2,230 SH   SOLE   0 0 2,230
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 973,452 26,460 SH   SOLE   0 0 26,460
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 3,692,250 64,460 SH   SOLE   0 0 64,460
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 2,171,622 35,403 SH   SOLE   0 0 35,403
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 6,924,628 98,529 SH   SOLE   0 0 98,529
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 9,474,150 16,094 SH   SOLE   0 0 16,094
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 9,663,740 99,729 SH   SOLE   0 0 99,729
ISHARES TR CUR HD EURZN ETF 46434V639 BBG006S5D517 265,238 7,401 SH   SOLE   0 0 7,401
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 318,764 3,292 SH   SOLE   0 0 3,292
ISHARES TR ESG AWR US AGRGT 46435U549 BBG00MC0P0K7 1,865,631 40,173 SH   SOLE   0 0 40,173
ISHARES TR ESG AWRE 1 5 YR 46435G243 BBG00H4BFM35 691,421 27,993 SH   SOLE   0 0 27,993
ISHARES TR ESG EAFE ETF 46436E759 BBG00VHK1HS9 1,993,196 30,845 SH   SOLE   0 0 30,845
ISHARES TR EXPANDED TECH 464287515 BBG001S7W2J1 455,308 4,548 SH   SOLE   0 0 4,548
ISHARES TR INTL DIV GRWTH 46435G524 BBG00CX80QM7 1,600,259 23,547 SH   SOLE   0 0 23,547
ISHARES TR NEW YORK MUN ETF 464288323 BBG001T03XV5 723,076 13,587 SH   SOLE   0 0 13,587
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 389,532 12,390 SH   SOLE   0 0 12,390
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 652,137 2,951 SH   SOLE   0 0 2,951
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 761,601 7,148 SH   SOLE   0 0 7,148
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 370,888 2,325 SH   SOLE   0 0 2,325
ISHARES TR US CONSUM DISCRE 464287580 BBG001SFGXZ5 246,816 2,567 SH   SOLE   0 0 2,567
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 2,598,966 113,097 SH   SOLE   0 0 113,097
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 BBG00J5DPW97 1,653,339 28,869 SH   SOLE   0 0 28,869
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 1,064,073 4,439 SH   SOLE   0 0 4,439
LAM RESEARCH CORP COM NEW 512807306 BBG001S5SW40 621,290 8,571 SH   SOLE   0 0 8,571
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 245,583 419 SH   SOLE   0 0 419
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,278,520 3,033 SH   SOLE   0 0 3,033
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 246,694 1,051 SH   SOLE   0 0 1,051
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 BBG00GVX41Y3 784,473 27,032 SH   SOLE   0 0 27,032
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 BBG00FJ5GY57 661,301 7,704 SH   SOLE   0 0 7,704
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 BBG00FJ5HWZ7 1,419,282 33,888 SH   SOLE   0 0 33,888
NUSHARES ETF TR NUVEEN ESG US 67092P870 BBG00HTVKZ20 6,576,182 301,937 SH   SOLE   0 0 301,937
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 3,160,260 23,533 SH   SOLE   0 0 23,533
PROSHARES TR S&P MDCP 400 DIV 74347B680 BBG0081VJCK3 505,235 6,264 SH   SOLE   0 0 6,264
SALESFORCE INC COM 79466L302 BBG001SDLP09 342,105 1,022 SH   SOLE   0 0 1,022
SELECT SECTOR SPDR TR INDL 81369Y704 BBG001S7T232 287,219 2,180 SH   SOLE   0 0 2,180
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 2,133,781 8,813 SH   SOLE   0 0 8,813
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 1,499,825 39,088 SH   SOLE   0 0 39,088
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,328,560 2,259 SH   SOLE   0 0 2,259
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 527,664 5,771 SH   SOLE   0 0 5,771
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 920,071 28,085 SH   SOLE   0 0 28,085
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 298,968 1,509 SH   SOLE   0 0 1,509
TESLA INC COM 88160R101 BBG001SQKGD7 273,804 678 SH   SOLE   0 0 678
TIDAL ETF TR ADASINA SOCIAL 886364876 BBG00YFSZ8G4 1,076,658 58,642 SH   SOLE   0 0 58,642
TIDAL TRUST III NAACP MINO ETF 45259A209 BBG00LG05HV8 1,068,965 26,150 SH   SOLE   0 0 26,150
TIDAL TRUST III YWCA WOMENS ETF 45259A100 BBG00LTSNR05 3,310,029 85,911 SH   SOLE   0 0 85,911
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 2,950,607 39,484 SH   SOLE   0 0 39,484
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 BBG001ST39S0 337,378 4,930 SH   SOLE   0 0 4,930
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 2,991,141 38,710 SH   SOLE   0 0 38,710
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1,018,169 20,758 SH   SOLE   0 0 20,758
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 984,748 5,183 SH   SOLE   0 0 5,183
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 5,720,592 13,938 SH   SOLE   0 0 13,938
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 758,523 8,515 SH   SOLE   0 0 8,515
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 8,013,447 14,872 SH   SOLE   0 0 14,872
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 571,625 2,884 SH   SOLE   0 0 2,884
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,790,673 6,179 SH   SOLE   0 0 6,179
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 4,384,911 25,900 SH   SOLE   0 0 25,900
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 732,972 12,767 SH   SOLE   0 0 12,767
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 205,862 4,674 SH   SOLE   0 0 4,674
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 BBG01L82CC36 214,642 2,160 SH   SOLE   0 0 2,160
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 357,884 7,139 SH   SOLE   0 0 7,139
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 471,675 8,132 SH   SOLE   0 0 8,132
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 1,756,043 38,731 SH   SOLE   0 0 38,731
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 BBG001TCH7W0 2,321,648 25,990 SH   SOLE   0 0 25,990
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 488,948 2,497 SH   SOLE   0 0 2,497
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,467,076 24,895 SH   SOLE   0 0 24,895
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 310,871 6,501 SH   SOLE   0 0 6,501
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 1,674,903 13,127 SH   SOLE   0 0 13,127
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 3,324,799 58,638 SH   SOLE   0 0 58,638
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 2,263,546 21,580 SH   SOLE   0 0 21,580
VANGUARD WORLD FD FINANCIALS ETF 92204A405 BBG001SHTTM0 378,133 3,203 SH   SOLE   0 0 3,203
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 BBG001SHVR32 373,441 1,472 SH   SOLE   0 0 1,472
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 225,498 363 SH   SOLE   0 0 363
VISA INC COM CL A 92826C839 BBG001SRCFY3 476,840 1,509 SH   SOLE   0 0 1,509
WARNER MUSIC GROUP CORP COM CL A 934550203 BBG00RP2T9V3 557,079 17,970 SH   SOLE   0 0 17,970