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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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
ADVANCED MICRO DEVICES INC COM 007903107 993,300 7,000 SH SOLE 0 0 0 7,000
AMAZON COM INC COM 023135106 364,846 1,663 SH SOLE 0 0 0 1,663
APPLE INC COM 037833100 3,566,063 17,381 SH SOLE 0 0 0 17,381
BLACKROCK ETF TRUST WORLD EX US CARB 09290C608 306,189 6,020 SH SOLE 0 0 0 6,020
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 2,028,385 30,152 SH SOLE 0 0 0 30,152
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 39,737,505 729,664 SH SOLE 0 2,727 0 726,937
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 16,535,202 464,733 SH SOLE 0 1,873 0 462,860
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 2,373,203 44,913 SH SOLE 0 0 0 44,913
BROADCOM INC COM 11135F101 645,297 2,341 SH SOLE 0 0 0 2,341
CHEVRON CORP NEW COM 166764100 488,994 3,415 SH SOLE 0 0 0 3,415
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 19,662,617 575,267 SH SOLE 0 2,104 0 573,163
EXXON MOBIL CORP COM 30231G102 375,841 3,486 SH SOLE 0 0 0 3,486
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109 325,493 3,837 SH SOLE 0 0 0 3,837
HOME DEPOT INC COM 437076102 240,149 655 SH SOLE 0 0 0 655
INTERNATIONAL BUSINESS MACHS COM 459200101 650,874 2,208 SH SOLE 0 0 0 2,208
ISHARES GOLD TR ISHARES NEW 464285204 8,920,785 143,053 SH SOLE 0 541 0 142,512
ISHARES INC MSCI EMRG CHN 46434G764 2,554,708 40,461 SH SOLE 0 0 0 40,461
ISHARES INC ESG AWR MSCI EM 46434G863 488,920 12,482 SH SOLE 0 0 0 12,482
ISHARES TR US TREAS BD ETF 46429B267 2,266,494 98,629 SH SOLE 0 0 0 98,629
ISHARES TR MSCI USA VALUE 46432F388 1,368,935 12,092 SH SOLE 0 0 0 12,092
ISHARES TR U.S. TECH ETF 464287721 20,817,299 120,144 SH SOLE 0 395 0 119,749
ISHARES TR MSCI USA MIN VOL 46429B697 8,952,006 95,366 SH SOLE 0 344 0 95,022
ISHARES TR HDG MSCI EAFE 46434V803 6,021,063 158,616 SH SOLE 0 584 0 158,032
ISHARES TR ESG MSCI USA ETF 46436E767 1,265,036 23,457 SH SOLE 0 0 0 23,457
ISHARES TR EXPND TEC SC ETF 464287549 223,107 1,986 SH SOLE 0 0 0 1,986
ISHARES TR HIGH YLD SYSTM B 46435G250 6,544,714 137,856 SH SOLE 0 310 0 137,546
ISHARES TR MSCI USA QLT FCT 46432F339 30,790,405 168,419 SH SOLE 0 454 0 167,965
ISHARES TR ESG MSCI KLD 400 464288570 1,317,603 11,343 SH SOLE 0 0 0 11,343
ISHARES TR ESG EAFE ETF 46436E759 620,830 8,340 SH SOLE 0 0 0 8,340
ISHARES TR CORE S&P TTL STK 464287150 5,320,036 39,396 SH SOLE 0 0 0 39,396
ISHARES TR GLOBAL ENERG ETF 464287341 523,657 13,328 SH SOLE 0 0 0 13,328
ISHARES TR CORE MSCI TOTAL 46432F834 2,453,371 31,734 SH SOLE 0 0 0 31,734
ISHARES TR ESG AWR US AGRGT 46435U549 456,051 9,593 SH SOLE 0 0 0 9,593
ISHARES TR S&P 100 ETF 464287101 454,395 1,493 SH SOLE 0 0 0 1,493
ISHARES TR INVESTMENT GRADE 46435G219 1,221,155 26,874 SH SOLE 0 0 0 26,874
ISHARES TR EAFE GRWTH ETF 464288885 17,952,088 160,287 SH SOLE 0 433 0 159,854
ISHARES TR EAFE VALUE ETF 464288877 25,005,661 393,914 SH SOLE 0 1,360 0 392,554
ISHARES TR ISHS 1-5YR INVS 464288646 940,476 17,826 SH SOLE 0 0 0 17,826
ISHARES TR 20 YR TR BD ETF 464287432 3,134,905 35,523 SH SOLE 0 0 0 35,523
ISHARES TR MBS ETF 464288588 2,085,672 22,214 SH SOLE 0 0 0 22,214
ISHARES TR S&P 500 GRWT ETF 464287309 43,101,963 391,480 SH SOLE 0 1,250 0 390,230
ISHARES TR S&P 500 VAL ETF 464287408 1,432,201 7,329 SH SOLE 0 0 0 7,329
ISHARES TR RUS 1000 GRW ETF 464287614 1,055,081 2,485 SH SOLE 0 0 0 2,485
ISHARES TR ESG AWRE USD ETF 46435G193 712,464 30,670 SH SOLE 0 0 0 30,670
ISHARES TR ESG AWR MSCI USA 46435G425 3,395,083 25,093 SH SOLE 0 0 0 25,093
ISHARES TR RUS 1000 ETF 464287622 975,585 2,873 SH SOLE 0 0 0 2,873
ISHARES TR CORE MSCI EAFE 46432F842 1,451,606 17,389 SH SOLE 0 0 0 17,389
ISHARES TR MSCI USA MMENTM 46432F396 2,495,483 10,384 SH SOLE 0 0 0 10,384
ISHARES TR CORE S&P500 ETF 464287200 11,422,127 18,396 SH SOLE 0 0 0 18,396
ISHARES TR GLOBAL TECH ETF 464287291 2,340,634 25,348 SH SOLE 0 0 0 25,348
ISHARES TR EUROPE ETF 464287861 955,708 15,110 SH SOLE 0 0 0 15,110
ISHARES TR 10+ YR INVST GRD 464289511 17,794,675 354,405 SH SOLE 0 1,826 0 352,579
ISHARES TR MSCI INTL VLU FT 46435G409 1,015,972 30,890 SH SOLE 0 0 0 30,890
JOHNSON & JOHNSON COM 478160104 225,154 1,474 SH SOLE 0 0 0 1,474
JPMORGAN CHASE & CO. COM 46625H100 316,872 1,093 SH SOLE 0 0 0 1,093
MICRON TECHNOLOGY INC COM 595112103 335,733 2,724 SH SOLE 0 0 0 2,724
MICROSOFT CORP COM 594918104 1,044,064 2,099 SH SOLE 0 0 0 2,099
NETFLIX INC COM 64110L106 273,183 204 SH SOLE 0 0 0 204
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,246,104 327,878 SH SOLE 0 1,580 0 326,298
SELECT SECTOR SPDR TR ENERGY 81369Y506 705,110 8,314 SH SOLE 0 0 0 8,314
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,050,137 71,365 SH SOLE 0 194 0 71,171
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 293,148 7,240 SH SOLE 0 0 0 7,240
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,710,209 2,768 SH SOLE 0 0 0 2,768
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 745,602 24,697 SH SOLE 0 0 0 24,697
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 16,458,388 619,202 SH SOLE 0 2,881 0 616,321
TESLA INC COM 88160R101 476,172 1,499 SH SOLE 0 0 0 1,499
VANGUARD BD INDEX FDS INTERMED TERM 921937819 9,617,074 124,348 SH SOLE 0 0 0 124,348
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 33,954,799 461,154 SH SOLE 0 868 0 460,286
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,216,892 5,135 SH SOLE 0 0 0 5,135
VANGUARD INDEX FDS VALUE ETF 922908744 29,159,272 164,984 SH SOLE 0 573 0 164,411
VANGUARD INDEX FDS GROWTH ETF 922908736 6,916,198 15,776 SH SOLE 0 0 0 15,776
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 82,406,876 145,075 SH SOLE 0 446 0 144,629
VANGUARD INDEX FDS TOTAL STK MKT 922908769 204,241 672 SH SOLE 0 0 0 672
VANGUARD INDEX FDS MID CAP ETF 922908629 340,553 1,217 SH SOLE 0 0 0 1,217
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,006,606 20,024 SH SOLE 0 0 0 20,024
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 14,332,522 309,291 SH SOLE 0 493 0 308,798
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,008,204 4,926 SH SOLE 0 0 0 4,926
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,048,348 18,389 SH SOLE 0 0 0 18,389
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 224,894 1,687 SH SOLE 0 0 0 1,687
VANGUARD WORLD FD MEGA CAP INDEX 921910873 16,494,311 73,334 SH SOLE 0 246 0 73,088