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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 21,714,237 461,416 SH OTR 1 0 461,416 0
ISHARES TR CORE US AGGBD ET 464287226 21,396,646 215,692 SH OTR 1 0 215,692 0
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674 17,516,915 334,101 SH SOLE 0 0 334,101
J P MORGAN EXCHANGE TRADED F BETABUILDRS US 46641Q399 11,140,181 99,537 SH OTR 1 0 99,537 0
ISHARES TR 10-20 YR TRS ETF 464288653 8,088,528 79,611 SH SOLE 0 0 79,611
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 7,266,970 204,358 SH SOLE 0 0 204,358
PIMCO ETF TR MULTISECTOR BD 72201R585 6,831,682 257,411 SH SOLE 0 0 257,411
INVESCO QQQ TR UNIT SER 1 46090E103 6,681,453 12,099 SH SOLE 0 0 12,099
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 6,615,868 213,277 SH SOLE 0 0 213,277
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 6,105,192 127,165 SH SOLE 0 0 127,165
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 5,857,278 149,230 SH SOLE 0 0 149,230
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 4,750,301 102,554 SH OTR 1 0 102,554 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 4,682,191 50,794 SH SOLE 0 0 50,794
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 4,450,776 103,917 SH SOLE 0 0 103,917
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765 4,088,641 138,645 SH SOLE 0 0 138,645
ISHARES TR CORE TOTAL USD 46434V613 3,617,035 78,240 SH OTR 1 0 78,240 0
ISHARES TR CALIF MUN BD ETF 464288356 2,848,203 51,098 SH SOLE 0 0 51,098
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609 2,830,068 32,881 SH OTR 1 0 32,881 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,653,846 36,043 SH SOLE 0 0 36,043
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 2,572,824 85,789 SH SOLE 0 0 85,789
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167 2,526,270 38,569 SH OTR 1 0 38,569 0
J P MORGAN EXCHANGE TRADED F GLOBAL SEL EQUIT 46654Q740 2,293,013 35,639 SH OTR 1 0 35,639 0
J P MORGAN EXCHANGE TRADED F BETABUILDERS I 46641Q373 2,031,885 30,102 SH OTR 1 0 30,102 0
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 1,863,473 19,091 SH SOLE 0 0 19,091
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 1,848,442 26,119 SH OTR 1 0 26,119 0
APPLE INC COM 037833100 1,771,705 8,635 SH SOLE 0 0 8,635
ISHARES TR GLOBAL EQUITY 46434V316 1,728,409 35,862 SH OTR 1 0 35,862 0
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779 1,529,266 23,787 SH OTR 1 0 23,787 0
J P MORGAN EXCHANGE TRADED F ACTIVEBLDRS EMER 46641Q266 1,424,438 33,088 SH OTR 1 0 33,088 0
MICROSOFT CORP COM 594918104 1,246,012 2,505 SH SOLE 0 0 2,505
J P MORGAN EXCHANGE TRADED F BETABUILDERS USD 46641Q449 1,244,184 27,231 SH OTR 1 0 27,231 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 1,226,174 29,015 SH SOLE 0 0 29,015
DIMENSIONAL ETF TRUST ULTRASHORT FIXED 25434V591 1,150,909 22,678 SH SOLE 0 0 22,678
PIMCO ETF TR 1-5 US TIP IDX 72201R205 1,112,522 20,675 SH SOLE 0 0 20,675
ISHARES TR 7-10 YR TRSY BD 464287440 1,011,810 10,565 SH OTR 1 0 10,565 0
ISHARES TR RUS MID CAP ETF 464287499 917,309 9,974 SH OTR 1 0 9,974 0
PIMCO ETF TR ENHANCD SHORT 72201R643 888,885 9,000 SH SOLE 0 0 9,000
SPDR SER TR PORTFOLIO LN TSR 78464A664 885,911 33,330 SH SOLE 0 0 33,330
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209 880,761 13,734 SH OTR 1 0 13,734 0
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753 714,226 16,148 SH OTR 1 0 16,148 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 656,138 2,293 SH SOLE 0 0 2,293
ISHARES TR CORE MSCI EAFE 46432F842 586,864 7,030 SH OTR 1 0 7,030 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 530,296 2,580 SH SOLE 0 0 2,580
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 498,115 8,295 SH OTR 1 0 8,295 0
SPDR GOLD TR GOLD SHS 78463V107 495,044 1,624 SH SOLE 0 0 1,624
ISHARES TR MSCI EAFE ETF 464287465 492,539 5,510 SH OTR 1 0 5,510 0
ISHARES INC CORE MSCI EMKT 46434G103 489,184 8,149 SH OTR 1 0 8,149 0
SPDR SER TR PORTFOLIO S&P500 78464A854 475,175 6,537 SH SOLE 0 0 6,537
VISA INC COM CL A 92826C839 461,565 1,300 SH SOLE 0 0 1,300
VANECK ETF TRUST GOLD MINERS ETF 92189F106 430,797 8,275 SH SOLE 0 0 8,275
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241 430,720 9,329 SH OTR 1 0 9,329 0
AMAZON COM INC COM 023135106 409,162 1,865 SH SOLE 0 0 1,865
PIMCO ETF TR MTG BKD SECS ACT 72201R569 399,218 8,139 SH SOLE 0 0 8,139
J P MORGAN EXCHANGE TRADED F BETABUILDERS USD 46641Q878 354,604 7,603 SH OTR 1 0 7,603 0
ALPHABET INC CAP STK CL A 02079K305 347,276 1,971 SH SOLE 0 0 1,971
ISHARES TR 1 3 YR TREAS BD 464287457 319,425 3,855 SH OTR 1 0 3,855 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 315,646 796 SH SOLE 0 0 796
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690 310,748 7,885 SH SOLE 0 0 7,885
NVIDIA CORPORATION COM 67066G104 304,940 1,930 SH SOLE 0 0 1,930
COHEN & STEERS SELECT PFD & COM 19248Y107 285,968 14,199 SH SOLE 0 0 14,199
DIMENSIONAL ETF TRUST WORLD EQUITY ETF 25434V617 283,078 4,220 SH SOLE 0 0 4,220
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 277,310 5,446 SH OTR 1 0 5,446 0
COSTCO WHSL CORP NEW COM 22160K105 244,515 247 SH SOLE 0 0 247
ISHARES INC MSCI EMRG CHN 46434G764 232,987 3,690 SH OTR 1 0 3,690 0
ISHARES TR RUS 1000 ETF 464287622 227,172 669 SH OTR 1 0 669 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 219,425 5,180 SH SOLE 0 0 5,180
JOHNSON & JOHNSON COM 478160104 216,141 1,415 SH SOLE 0 0 1,415