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
ABBOTT LABS COM 002824100 694,678 5,108 SH SOLE 0 0 5,108
ADVANCED MICRO DEVICES INC COM 007903107 4,091,119 28,831 SH SOLE 0 0 28,831
ALPHABET INC CAP STK CL A 02079K305 612,047 3,473 SH SOLE 0 0 3,473
ALPHABET INC CAP STK CL C 02079K107 590,785 3,330 SH SOLE 0 0 3,330
AMAZON COM INC COM 023135106 2,760,151 12,581 SH SOLE 0 0 12,581
AMERICAN EXPRESS CO COM 025816109 637,960 2,000 SH SOLE 0 0 2,000
AMGEN INC COM 031162100 850,771 3,047 SH SOLE 0 0 3,047
APPLE INC COM 037833100 11,277,345 54,966 SH SOLE 0 0 54,966
APPLIED MATLS INC COM 038222105 445,978 2,436 SH SOLE 0 0 2,436
AT&T INC COM 00206R102 484,953 16,757 SH SOLE 0 0 16,757
AUTOLIV INC COM 052800109 928,547 8,298 SH SOLE 0 0 8,298
AUTOMATIC DATA PROCESSING IN COM 053015103 1,067,062 3,460 SH SOLE 0 0 3,460
BANK AMERICA CORP COM 060505104 292,613 6,184 SH SOLE 0 0 6,184
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,457,600 2 SH SOLE 0 0 2
BLACKROCK ETF TRUST II ISHARES SHORT-TE 092528884 484,398 9,602 SH SOLE 0 0 9,602
BOEING CO COM 097023105 604,627 2,886 SH SOLE 0 0 2,886
CALAVO GROWERS INC COM 128246105 603,354 22,691 SH SOLE 0 0 22,691
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 20,462,297 518,164 SH SOLE 0 0 518,164
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 58,231,678 2,108,316 SH SOLE 0 0 2,108,316
CARRIER GLOBAL CORPORATION COM 14448C104 313,453 4,283 SH SOLE 0 0 4,283
CATERPILLAR INC COM 149123101 878,872 2,264 SH SOLE 0 0 2,264
CHEVRON CORP NEW COM 166764100 3,410,687 23,819 SH SOLE 0 0 23,819
CISCO SYS INC COM 17275R102 1,198,235 17,271 SH SOLE 0 0 17,271
COCA COLA CO COM 191216100 517,887 7,320 SH SOLE 0 0 7,320
CONOCOPHILLIPS COM 20825C104 231,812 2,583 SH SOLE 0 0 2,583
COSTCO WHSL CORP NEW COM 22160K105 1,097,621 1,109 SH SOLE 0 0 1,109
DAILY JOURNAL CORP COM 233912104 602,129 1,426 SH SOLE 0 0 1,426
DISNEY WALT CO COM 254687106 203,318 1,640 SH SOLE 0 0 1,640
DUKE ENERGY CORP NEW COM NEW 26441C204 305,502 2,589 SH SOLE 0 0 2,589
EATON CORP PLC SHS G29183103 1,106,145 3,099 SH SOLE 0 0 3,099
ELI LILLY & CO COM 532457108 467,626 600 SH SOLE 0 0 600
ENTERPRISE PRODS PARTNERS L COM 293792107 255,337 8,234 SH SOLE 0 0 8,234
EXTREME NETWORKS COM 30226D106 4,047,277 225,475 SH SOLE 0 0 225,475
EXXON MOBIL CORP COM 30231G102 1,628,140 15,103 SH SOLE 0 0 15,103
FIRST TR EXCHANGE-TRADED FD SMID RISNG ETF 33741X102 1,560,986 44,246 SH SOLE 0 0 44,246
FISERV INC COM 337738108 223,271 1,295 SH SOLE 0 0 1,295
GE AEROSPACE COM NEW 369604301 305,780 1,188 SH SOLE 0 0 1,188
GLOBAL X FDS US INFR DEV ETF 37954Y673 4,570,270 104,871 SH SOLE 0 0 104,871
HOME DEPOT INC COM 437076102 716,345 1,954 SH SOLE 0 0 1,954
INTEL CORP COM 458140100 242,179 10,812 SH SOLE 0 0 10,812
INTERNATIONAL BUSINESS MACHS COM 459200101 524,553 1,779 SH SOLE 0 0 1,779
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 343,307 1,889 SH SOLE 0 0 1,889
INVESCO QQQ TR UNIT SER 1 46090E103 637,895 1,156 SH SOLE 0 0 1,156
ISHARES INC ESG AWR MSCI EM 46434G863 432,128 11,032 SH SOLE 0 0 11,032
ISHARES INC MSCI EMRG CHN 46434G764 945,716 14,978 SH SOLE 0 0 14,978
ISHARES TR CORE MSCI EAFE 46432F842 3,314,774 39,707 SH SOLE 0 0 39,707
ISHARES TR ESG MSCI KLD 400 464288570 241,725 2,081 SH SOLE 0 0 2,081
ISHARES TR EAFE VALUE ETF 464288877 7,207,539 113,540 SH SOLE 0 0 113,540
ISHARES TR RUS 2000 VAL ETF 464287630 246,079 1,560 SH SOLE 0 0 1,560
ISHARES TR S&P 500 GRWT ETF 464287309 1,287,436 11,693 SH SOLE 0 0 11,693
ISHARES TR MSCI USA MIN VOL 46429B697 243,593 2,595 SH SOLE 0 0 2,595
ISHARES TR RUS 1000 GRW ETF 464287614 643,350 1,515 SH SOLE 0 0 1,515
ISHARES TR MSCI USA QLT FCT 46432F339 5,983,253 32,728 SH SOLE 0 0 32,728
ISHARES TR CORE S&P SCP ETF 464287804 4,847,264 44,352 SH SOLE 0 0 44,352
ISHARES TR MSCI EMG MKT ETF 464287234 3,772,689 78,207 SH SOLE 0 0 78,207
ISHARES TR ULTRA SHORT DUR 46434V878 4,487,655 88,496 SH SOLE 0 0 88,496
ISHARES TR MSCI EAFE ETF 464287465 8,497,082 95,056 SH SOLE 0 0 95,056
ISHARES TR S&P 100 ETF 464287101 202,371 665 SH SOLE 0 0 665
ISHARES TR INTL SEL DIV ETF 464288448 295,390 8,560 SH SOLE 0 0 8,560
ISHARES TR CORE S&P500 ETF 464287200 3,020,566 4,865 SH SOLE 0 0 4,865
ISHARES TR ESG AW MSCI EAFE 46435G516 506,619 5,678 SH SOLE 0 0 5,678
ISHARES TR RUS 1000 VAL ETF 464287598 1,149,759 5,920 SH SOLE 0 0 5,920
ISHARES TR CORE DIV GRWTH 46434V621 457,484 7,155 SH SOLE 0 0 7,155
ISHARES TR SELECT DIVID ETF 464287168 972,044 7,319 SH SOLE 0 0 7,319
JOHNSON & JOHNSON COM 478160104 727,389 4,762 SH SOLE 0 0 4,762
JPMORGAN CHASE & CO. COM 46625H100 930,243 3,209 SH SOLE 0 0 3,209
LOCKHEED MARTIN CORP COM 539830109 280,373 605 SH SOLE 0 0 605
LUMENTUM HLDGS INC COM 55024U109 312,843 3,291 SH SOLE 0 0 3,291
MCDONALDS CORP COM 580135101 605,602 2,073 SH SOLE 0 0 2,073
MERCK & CO INC COM 58933Y105 651,538 8,231 SH SOLE 0 0 8,231
META PLATFORMS INC CL A 30303M102 1,746,306 2,366 SH SOLE 0 0 2,366
MICROSOFT CORP COM 594918104 7,876,415 15,835 SH SOLE 0 0 15,835
NETFLIX INC COM 64110L106 413,792 309 SH SOLE 0 0 309
NORTHROP GRUMMAN CORP COM 666807102 2,602,087 5,204 SH SOLE 0 0 5,204
NOVARTIS AG SPONSORED ADR 66987V109 212,615 1,757 SH SOLE 0 0 1,757
NVIDIA CORPORATION COM 67066G104 2,277,703 14,417 SH SOLE 0 0 14,417
ORACLE CORP COM 68389X105 1,710,842 7,825 SH SOLE 0 0 7,825
OTIS WORLDWIDE CORP COM 68902V107 233,064 2,354 SH SOLE 0 0 2,354
PEPSICO INC COM 713448108 630,381 4,774 SH SOLE 0 0 4,774
PFIZER INC COM 717081103 226,559 9,346 SH SOLE 0 0 9,346
PG&E CORP COM 69331C108 142,732 10,239 SH SOLE 0 0 10,239
PHILLIPS 66 COM 718546104 332,607 2,788 SH SOLE 0 0 2,788
PIMCO ETF TR ENHANCD SHORT 72201R643 667,971 6,763 SH SOLE 0 0 6,763
PROCTER AND GAMBLE CO COM 742718109 521,151 3,271 SH SOLE 0 0 3,271
QUALCOMM INC COM 747525103 374,818 2,353 SH SOLE 0 0 2,353
RTX CORPORATION COM 75513E101 868,643 5,949 SH SOLE 0 0 5,949
SALESFORCE INC COM 79466L302 546,272 2,003 SH SOLE 0 0 2,003
SCHWAB CHARLES CORP COM 808513105 1,011,628 11,088 SH SOLE 0 0 11,088
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 41,989,441 1,049,211 SH SOLE 0 0 1,049,211
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,945,726 314,286 SH SOLE 0 0 314,286
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,337,149 47,670 SH SOLE 0 0 47,670
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 247,137 9,768 SH SOLE 0 0 9,768
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 22,945,984 865,886 SH SOLE 0 0 865,886
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 2,087,557 85,068 SH SOLE 0 0 85,068
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,194,846 89,805 SH SOLE 0 0 89,805
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 2,847,007 99,372 SH SOLE 0 0 99,372
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 3,709,469 45,813 SH SOLE 0 0 45,813
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 21,801,726 416,302 SH SOLE 0 0 416,302
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 243,316 961 SH SOLE 0 0 961
SNOWFLAKE INC CL A 833445109 987,274 4,412 SH SOLE 0 0 4,412
SPDR GOLD TR GOLD SHS 78463V107 636,486 2,088 SH SOLE 0 0 2,088
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,144,237 1,852 SH SOLE 0 0 1,852
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,015,142 1,792 SH SOLE 0 0 1,792
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 14,371,233 197,706 SH SOLE 0 0 197,706
STARBUCKS CORP COM 855244109 261,787 2,857 SH SOLE 0 0 2,857
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 494,655 2,184 SH SOLE 0 0 2,184
TESLA INC COM 88160R101 297,909 938 SH SOLE 0 0 938
TWILIO INC CL A 90138F102 5,780,253 46,480 SH SOLE 0 0 46,480
UNILEVER PLC SPON ADR NEW 904767704 262,530 4,292 SH SOLE 0 0 4,292
UNION PAC CORP COM 907818108 222,488 967 SH SOLE 0 0 967
UNITED PARCEL SERVICE INC CL B 911312106 219,480 2,174 SH SOLE 0 0 2,174
UPSTART HLDGS INC COM 91680M107 751,905 11,625 SH SOLE 0 0 11,625
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 6,927,907 42,125 SH SOLE 0 0 42,125
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,274,641 4,004 SH SOLE 0 0 4,004
VANGUARD INDEX FDS LARGE CAP ETF 922908637 291,547 1,022 SH SOLE 0 0 1,022
VANGUARD INDEX FDS SM CP VAL ETF 922908611 9,516,666 48,801 SH SOLE 0 0 48,801
VANGUARD INDEX FDS TOTAL STK MKT 922908769 830,143 2,731 SH SOLE 0 0 2,731
VANGUARD INDEX FDS GROWTH ETF 922908736 396,935 905 SH SOLE 0 0 905
VANGUARD INDEX FDS MID CAP ETF 922908629 3,861,610 13,800 SH SOLE 0 0 13,800
VANGUARD INDEX FDS VALUE ETF 922908744 325,476 1,842 SH SOLE 0 0 1,842
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,984,703 21,034 SH SOLE 0 0 21,034
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 224,636 2,826 SH SOLE 0 0 2,826
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 85,859,674 1,035,452 SH SOLE 0 0 1,035,452
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 23,235,074 113,525 SH SOLE 0 0 113,525
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 830,477 14,567 SH SOLE 0 0 14,567
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 30,486,329 380,556 SH SOLE 0 0 380,556
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,218,200 16,639 SH SOLE 0 0 16,639
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 36,786,403 408,194 SH SOLE 0 0 408,194
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 14,516,101 51,830 SH SOLE 0 0 51,830
VANGUARD WORLD FD ESG INTL STK ETF 921910725 756,204 11,545 SH SOLE 0 0 11,545
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 21,493,364 86,548 SH SOLE 0 0 86,548
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 26,133,356 199,187 SH SOLE 0 0 199,187
VANGUARD WORLD FD ENERGY ETF 92204A306 290,633 2,440 SH SOLE 0 0 2,440
VANGUARD WORLD FD MEGA CAP INDEX 921910873 13,281,212 59,049 SH SOLE 0 0 59,049
VERIZON COMMUNICATIONS INC COM 92343V104 501,967 11,601 SH SOLE 0 0 11,601
VISA INC COM CL A 92826C839 1,192,227 3,358 SH SOLE 0 0 3,358
WALMART INC COM 931142103 549,426 5,619 SH SOLE 0 0 5,619
WELLS FARGO CO NEW COM 949746101 691,757 8,634 SH SOLE 0 0 8,634
WORKDAY INC CL A 98138H101 3,558,720 14,828 SH SOLE 0 0 14,828