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
Expires: July 31, 2015
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 1,272,934 8,232 SH SOLE 0 0 0 8,232
ALPHABET INC CAP STK CL C 02079K107 1,590,619 10,181 SH SOLE 0 0 0 10,181
AMAZON COM INC COM 023135106 1,437,224 7,554 SH SOLE 0 0 0 7,554
AMERICAN CENTY ETF TR US EQT ETF 025072885 7,436,202 80,496 SH SOLE 0 0 0 80,496
APPLE INC COM 037833100 8,503,567 38,282 SH SOLE 0 0 0 38,282
AUTOMATIC DATA PROCESSING IN COM 053015103 567,496 1,857 SH SOLE 0 0 0 1,857
BANK AMERICA CORP COM 060505104 347,702 8,332 SH SOLE 0 0 0 8,332
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 373,871 702 SH SOLE 0 0 0 702
BIO RAD LABS INC CL A 090572207 316,384 1,299 SH SOLE 0 0 0 1,299
BROADCOM INC COM 11135F101 326,492 1,950 SH SOLE 0 0 0 1,950
CISCO SYS INC COM 17275R102 316,325 5,126 SH SOLE 0 0 0 5,126
COMCAST CORP NEW CL A 20030N101 538,499 14,593 SH SOLE 0 0 0 14,593
CONSOLIDATED EDISON INC COM 209115104 238,653 2,158 SH SOLE 0 0 0 2,158
DBX ETF TR XTKR EMGRIN MKTS 233051192 1,605,241 54,378 SH SOLE 0 0 0 54,378
DBX ETF TR XTRACKERS MSCI 233051150 5,429,505 107,792 SH SOLE 0 0 0 107,792
DISNEY WALT CO COM 254687106 244,582 2,478 SH SOLE 0 0 0 2,478
ELEVANCE HEALTH INC COM 036752103 200,517 461 SH SOLE 0 0 0 461
ELI LILLY & CO COM 532457108 239,055 289 SH SOLE 0 0 0 289
EXXON MOBIL CORP COM 30231G102 250,783 2,109 SH SOLE 0 0 0 2,109
FIRST TR EXCH TRADED FD III LNG/SHT EQUITY 33739P103 5,566,530 86,868 SH SOLE 0 0 0 86,868
FLEXSHARES TR MORNSTAR UPSTR 33939L407 6,413,536 165,255 SH SOLE 0 0 0 165,255
FLEXSHARES TR STOXX GLOBR INF 33939L795 2,076,028 36,017 SH SOLE 0 0 0 36,017
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 33,115,714 928,912 SH SOLE 0 0 0 928,912
GOLDMAN SACHS ETF TR ULTRA SHORT BOND 381430230 2,803,661 55,474 SH SOLE 0 0 0 55,474
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305 15,315,949 452,332 SH SOLE 0 0 0 452,332
HOME DEPOT INC COM 437076102 200,718 548 SH SOLE 0 0 0 548
INTERNATIONAL BUSINESS MACHS COM 459200101 211,280 850 SH SOLE 0 0 0 850
INVESCO ACTIVELY MANAGED EXC TOTAL RETURN 46090A804 45,726,682 974,359 SH SOLE 0 0 0 974,359
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 4,672,976 192,443 SH SOLE 0 0 0 192,443
INVESCO QQQ TR UNIT SER 1 46090E103 479,531 1,023 SH SOLE 0 0 0 1,023
ISHARES INC MSCI EMERG MRKT 464286533 11,327,979 194,172 SH SOLE 0 0 0 194,172
ISHARES TR CORE S&P US GWT 464287671 11,962,058 94,130 SH SOLE 0 0 0 94,130
ISHARES TR CORE S&P SCP ETF 464287804 1,105,467 10,572 SH SOLE 0 0 0 10,572
ISHARES TR ESG AW MSCI EAFE 46435G516 2,539,975 31,093 SH SOLE 0 0 0 31,093
ISHARES TR NEW YORK MUN ETF 464288323 338,171 6,423 SH SOLE 0 0 0 6,423
ISHARES TR ESG AWRE 1 5 YR 46435G243 2,883,500 115,386 SH SOLE 0 0 0 115,386
ISHARES TR ESG AWR US AGRGT 46435U549 3,638,861 76,640 SH SOLE 0 0 0 76,640
ISHARES TR RUSEL 2500 ETF 46435G268 11,991,686 191,744 SH SOLE 0 0 0 191,744
ISHARES TR MSCI GBL SUS DEV 46435G532 480,209 6,634 SH SOLE 0 0 0 6,634
ISHARES TR SHRT NAT MUN ETF 464288158 6,636,098 62,842 SH SOLE 0 0 0 62,842
ISHARES TR NATIONAL MUN ETF 464288414 4,814,250 45,659 SH SOLE 0 0 0 45,659
ISHARES TR CALIF MUN BD ETF 464288356 19,075,760 338,944 SH SOLE 0 0 0 338,944
ISHARES TR CORE DIV GRWTH 46434V621 2,002,874 32,419 SH SOLE 0 0 0 32,419
ISHARES TR CORE 60/40 BALAN 464289867 597,827 10,384 SH SOLE 0 0 0 10,384
ISHARES TR CORE INTL AGGR 46435G672 14,772,199 295,503 SH SOLE 0 0 0 295,503
ISHARES TR RUS 1000 VAL ETF 464287598 302,966 1,610 SH SOLE 0 0 0 1,610
ISHARES TR USD GRN BOND ETF 46435U440 856,033 18,075 SH SOLE 0 0 0 18,075
ISHARES TR ESG MSCI KLD 400 464288570 5,685,400 55,516 SH SOLE 0 0 0 55,516
ISHARES TR S&P 500 GRWT ETF 464287309 538,540 5,801 SH SOLE 0 0 0 5,801
ISHARES TR CORE MSCI EAFE 46432F842 5,898,463 77,970 SH SOLE 0 0 0 77,970
ISHARES TR MSCI EAFE ETF 464287465 5,789,309 70,835 SH SOLE 0 0 0 70,835
ISHARES TR RUS 1000 GRW ETF 464287614 1,497,837 4,148 SH SOLE 0 0 0 4,148
ISHARES TR INTL EQTY FACTOR 46434V274 6,658,654 215,910 SH SOLE 0 0 0 215,910
ISHARES TR CORE 1 5 YR USD 46432F859 6,339,220 131,111 SH SOLE 0 0 0 131,111
ISHARES TR GLB INFRASTR ETF 464288372 1,279,390 23,402 SH SOLE 0 0 0 23,402
ISHARES TR US INFRASTRUC 46435U713 8,193,112 181,786 SH SOLE 0 0 0 181,786
ISHARES TR MSCI USA ESG SLC 464288802 445,563 3,879 SH SOLE 0 0 0 3,879
ISHARES TR CORE S&P500 ETF 464287200 504,793 898 SH SOLE 0 0 0 898
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 6,056,350 121,127 SH SOLE 0 0 0 121,127
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 479,091 8,484 SH SOLE 0 0 0 8,484
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 496,884 10,563 SH SOLE 0 0 0 10,563
LAM RESEARCH CORP COM NEW 512807306 205,378 2,825 SH SOLE 0 0 0 2,825
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 77,936 20,402 SH SOLE 0 0 0 20,402
MARQETA INC CLASS A COM 57142B104 70,650 17,148 SH SOLE 0 0 0 17,148
MASTERCARD INCORPORATED CL A 57636Q104 232,951 425 SH SOLE 0 0 0 425
MATSON INC COM 57686G105 237,115 1,850 SH SOLE 0 0 0 1,850
META PLATFORMS INC CL A 30303M102 488,753 848 SH SOLE 0 0 0 848
MICROSOFT CORP COM 594918104 1,289,388 3,435 SH SOLE 0 0 0 3,435
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 66,114 11,999 SH SOLE 0 0 0 11,999
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 2,324,564 72,985 SH SOLE 0 0 0 72,985
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 1,655,760 43,186 SH SOLE 0 0 0 43,186
NVIDIA CORPORATION COM 67066G104 2,239,658 20,665 SH SOLE 0 0 0 20,665
ORACLE CORP COM 68389X105 480,525 3,437 SH SOLE 0 0 0 3,437
PACER FDS TR US CASH COWS 100 69374H881 27,027,750 493,567 SH SOLE 0 0 0 493,567
PEPSICO INC COM 713448108 306,177 2,042 SH SOLE 0 0 0 2,042
SALESFORCE INC COM 79466L302 263,798 983 SH SOLE 0 0 0 983
SCHWAB CHARLES CORP COM 808513105 206,391 2,637 SH SOLE 0 0 0 2,637
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,222,360 103,318 SH SOLE 0 0 0 103,318
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,698,717 78,900 SH SOLE 0 0 0 78,900
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 56,923,968 2,273,321 SH SOLE 0 0 0 2,273,321
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 397,440 20,093 SH SOLE 0 0 0 20,093
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 650,804 21,130 SH SOLE 0 0 0 21,130
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 384,435 17,411 SH SOLE 0 0 0 17,411
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 8,673,673 207,256 SH SOLE 0 0 0 207,256
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152 2,801,096 50,459 SH SOLE 0 0 0 50,459
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 32,748,773 899,444 SH SOLE 0 0 0 899,444
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 6,104,184 77,311 SH SOLE 0 0 0 77,311
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 800,063 15,025 SH SOLE 0 0 0 15,025
SPDR S&P 500 ETF TR TR UNIT 78462F103 285,290 510 SH SOLE 0 0 0 510
SPDR SER TR PORTFOLIO S&P500 78464A854 660,844 10,049 SH SOLE 0 0 0 10,049
SPDR SER TR NUVEEN BLMBRG SH 78468R739 4,224,680 88,754 SH SOLE 0 0 0 88,754
SPDR SER TR BLOOMBERG 1 10 Y 78468R861 16,032,676 835,470 SH SOLE 0 0 0 835,470
SPDR SER TR PRTFLO S&P500 GW 78464A409 617,738 7,686 SH SOLE 0 0 0 7,686
SPDR SER TR PORTFOLIO S&P600 78468R853 388,758 9,538 SH SOLE 0 0 0 9,538
SPDR SER TR PORTFOLIO S&P400 78464A847 2,533,563 49,503 SH SOLE 0 0 0 49,503
SPDR SER TR PRTFLO S&P500 VL 78464A508 333,210 6,525 SH SOLE 0 0 0 6,525
SPDR SER TR S&P DIVID ETF 78464A763 207,409 1,529 SH SOLE 0 0 0 1,529
UNITEDHEALTH GROUP INC COM 91324P102 258,733 494 SH SOLE 0 0 0 494
VANGUARD BD INDEX FDS INTERMED TERM 921937819 740,100 9,666 SH SOLE 0 0 0 9,666
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 57,415,976 781,702 SH SOLE 0 0 0 781,702
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 5,208,214 52,929 SH SOLE 0 0 0 52,929
VANGUARD INDEX FDS GROWTH ETF 922908736 7,913,668 21,341 SH SOLE 0 0 0 21,341
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,161,244 11,502 SH SOLE 0 0 0 11,502
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,600,536 11,727 SH SOLE 0 0 0 11,727
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,048,986 11,586 SH SOLE 0 0 0 11,586
VANGUARD INDEX FDS MID CAP ETF 922908629 2,190,481 8,470 SH SOLE 0 0 0 8,470
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 231,051 944 SH SOLE 0 0 0 944
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 65,574,459 127,599 SH SOLE 0 0 0 127,599
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 215,211 4,755 SH SOLE 0 0 0 4,755
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,556,331 31,365 SH SOLE 0 0 0 31,365
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 8,617,853 44,424 SH SOLE 0 0 0 44,424
VANGUARD STAR FDS VG TL INTL STK F 921909768 6,926,519 111,538 SH SOLE 0 0 0 111,538
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,238,959 24,375 SH SOLE 0 0 0 24,375
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 584,834 4,535 SH SOLE 0 0 0 4,535
VANGUARD WORLD FD ESG INTL STK ETF 921910725 292,836 4,965 SH SOLE 0 0 0 4,965
VANGUARD WORLD FD ESG US STK ETF 921910733 689,470 7,039 SH SOLE 0 0 0 7,039
VISA INC COM CL A 92826C839 1,040,719 2,970 SH SOLE 0 0 0 2,970
WALMART INC COM 931142103 203,387 2,317 SH SOLE 0 0 0 2,317
WELLS FARGO CO NEW COM 949746101 272,536 3,796 SH SOLE 0 0 0 3,796