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
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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
AMAZON COM INC COM 023135106 220,268 1,004 SH SOLE 0 0 0 1,004
APPLE INC COM 037833100 5,296,031 25,813 SH SOLE 0 0 0 25,813
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 7,201,464 132,234 SH SOLE 0 0 0 132,234
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 2,786,910 78,328 SH SOLE 0 0 0 78,328
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 1,468,407 50,898 SH SOLE 0 0 0 50,898
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 1,810,932 34,272 SH SOLE 0 0 0 34,272
FORD MTR CO COM 345370860 181,217 16,702 SH SOLE 0 0 0 16,702
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 403,992 17,309 SH SOLE 0 0 0 17,309
ISHARES GOLD TR ISHARES NEW 464285204 1,315,235 21,091 SH SOLE 0 0 0 21,091
ISHARES INC MSCI EMRG CHN 46434G764 1,964,096 31,107 SH SOLE 0 0 0 31,107
ISHARES INC CORE MSCI EMKT 46434G103 427,954 7,129 SH SOLE 0 0 0 7,129
ISHARES TR CORE MSCI TOTAL 46432F834 1,291,618 16,707 SH SOLE 0 0 0 16,707
ISHARES TR CORE MSCI EAFE 46432F842 2,192,853 26,268 SH SOLE 0 0 0 26,268
ISHARES TR MSCI USA VALUE 46432F388 504,690 4,458 SH SOLE 0 0 0 4,458
ISHARES TR MSCI USA QLT FCT 46432F339 7,934,754 43,402 SH SOLE 0 0 0 43,402
ISHARES TR HDG MSCI EAFE 46434V803 375,121 9,882 SH SOLE 0 0 0 9,882
ISHARES TR CORE TOTAL USD 46434V613 1,189,775 25,736 SH SOLE 0 0 0 25,736
ISHARES TR ESG AWR MSCI USA 46435G425 601,003 4,442 SH SOLE 0 0 0 4,442
ISHARES TR INVESTMENT GRADE 46435G219 272,504 5,997 SH SOLE 0 0 0 5,997
ISHARES TR EAFE VALUE ETF 464288877 10,069,515 158,625 SH SOLE 0 0 0 158,625
ISHARES TR EAFE GRWTH ETF 464288885 6,352,864 56,722 SH SOLE 0 0 0 56,722
ISHARES TR CORE S&P TTL STK 464287150 7,602,617 56,299 SH SOLE 0 0 0 56,299
ISHARES TR 10-20 YR TRS ETF 464288653 2,528,722 24,889 SH SOLE 0 0 0 24,889
ISHARES TR MBS ETF 464288588 315,846 3,364 SH SOLE 0 0 0 3,364
ISHARES TR NATIONAL MUN ETF 464288414 604,417 5,785 SH SOLE 0 0 0 5,785
ISHARES TR JPMORGAN USD EMG 464288281 656,676 7,090 SH SOLE 0 0 0 7,090
ISHARES TR SHRT NAT MUN ETF 464288158 1,141,879 10,738 SH SOLE 0 0 0 10,738
ISHARES TR CALIF MUN BD ETF 464288356 7,916,139 142,019 SH SOLE 0 0 0 142,019
ISHARES TR MSCI USA MIN VOL 46429B697 1,061,013 11,303 SH SOLE 0 0 0 11,303
ISHARES TR US TREAS BD ETF 46429B267 1,246,481 54,242 SH SOLE 0 0 0 54,242
ISHARES TR S&P 100 ETF 464287101 4,053,333 13,318 SH SOLE 0 0 0 13,318
ISHARES TR CORE S&P500 ETF 464287200 7,800,367 12,563 SH SOLE 0 0 0 12,563
ISHARES TR RUS 1000 GRW ETF 464287614 313,765 739 SH SOLE 0 0 0 739
ISHARES TR GLOBAL ENERG ETF 464287341 298,722 7,603 SH SOLE 0 0 0 7,603
ISHARES TR GLOBAL TECH ETF 464287291 1,489,721 16,133 SH SOLE 0 0 0 16,133
ISHARES TR U.S. TECH ETF 464287721 2,894,129 16,703 SH SOLE 0 0 0 16,703
ISHARES TR 7-10 YR TRSY BD 464287440 1,993,548 20,816 SH SOLE 0 0 0 20,816
LOCKHEED MARTIN CORP COM 539830109 679,890 1,468 SH SOLE 0 0 0 1,468
META PLATFORMS INC CL A 30303M102 328,450 445 SH SOLE 0 0 0 445
MICROSOFT CORP COM 594918104 408,580 821 SH SOLE 0 0 0 821
NETFLIX INC COM 64110L106 285,235 213 SH SOLE 0 0 0 213
ORACLE CORP COM 68389X105 2,435,975 11,142 SH SOLE 0 0 0 11,142
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 268,910 11,571 SH SOLE 0 0 0 11,571
SPDR S&P 500 ETF TR TR UNIT 78462F103 694,463 1,124 SH SOLE 0 0 0 1,124
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672 761,772 26,478 SH SOLE 0 0 0 26,478
TESLA INC COM 88160R101 811,621 2,555 SH SOLE 0 0 0 2,555
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 9,564,905 129,905 SH SOLE 0 0 0 129,905
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,484,755 29,989 SH SOLE 0 0 0 29,989
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 15,201,619 26,762 SH SOLE 0 0 0 26,762
VANGUARD INDEX FDS VALUE ETF 922908744 6,072,786 34,360 SH SOLE 0 0 0 34,360
VANGUARD INDEX FDS GROWTH ETF 922908736 10,398,848 23,720 SH SOLE 0 0 0 23,720
VANGUARD INDEX FDS TOTAL STK MKT 922908769 688,556 2,266 SH SOLE 0 0 0 2,266
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,613,233 93,272 SH SOLE 0 0 0 93,272
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,017,863 20,760 SH SOLE 0 0 0 20,760
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 2,179,324 47,029 SH SOLE 0 0 0 47,029
VANGUARD WELLINGTON FD US MOMENTUM 921935508 1,635,662 9,481 SH SOLE 0 0 0 9,481