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 474,947 3,492 SH SOLE 0 0 0 3,492
ABBVIE INC COM 00287Y109 947,695 5,106 SH SOLE 0 0 0 5,106
ADOBE INC COM 00724F101 596,956 1,543 SH SOLE 0 0 0 1,543
ADVANCED MICRO DEVICES INC COM 007903107 376,035 2,650 SH SOLE 0 0 0 2,650
ALPHABET INC CAP STK CL A 02079K305 1,770,601 10,047 SH SOLE 0 0 0 10,047
ALPHABET INC CAP STK CL C 02079K107 916,705 5,168 SH SOLE 0 0 0 5,168
AMAZON COM INC COM 023135106 10,392,943 47,372 SH SOLE 0 0 0 47,372
AMGEN INC COM 031162100 245,498 879 SH SOLE 0 0 0 879
APPLE INC COM 037833100 29,351,892 143,061 SH SOLE 0 0 0 143,061
AUTOZONE INC COM 053332102 278,417 75 SH SOLE 0 0 0 75
BANK AMERICA CORP COM 060505104 357,269 7,550 SH SOLE 0 0 0 7,550
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,900,247 8,029 SH SOLE 0 0 0 8,029
BERKSHIRE HATHAWAY INC DEL CL A 084670108 728,800 1 SH SOLE 0 0 0 1
BLACKROCK INC COM 09290D101 345,203 329 SH SOLE 0 0 0 329
BP PLC SPONSORED ADR 055622104 210,857 7,045 SH SOLE 0 0 0 7,045
BROADCOM INC COM 11135F101 402,449 1,460 SH SOLE 0 0 0 1,460
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 3,072,875 77,814 SH SOLE 0 0 0 77,814
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109 402,935 14,852 SH SOLE 0 0 0 14,852
CATERPILLAR INC COM 149123101 326,873 842 SH SOLE 0 0 0 842
CHEVRON CORP NEW COM 166764100 630,337 4,402 SH SOLE 0 0 0 4,402
CISCO SYS INC COM 17275R102 434,666 6,265 SH SOLE 0 0 0 6,265
CONSTELLATION ENERGY CORP COM 21037T109 396,672 1,229 SH SOLE 0 0 0 1,229
COSTCO WHSL CORP NEW COM 22160K105 1,847,804 1,867 SH SOLE 0 0 0 1,867
CROWDSTRIKE HLDGS INC CL A 22788C105 394,206 774 SH SOLE 0 0 0 774
DBX ETF TR XTRACK MSCI EAFE 233051200 10,082,606 230,460 SH SOLE 0 0 0 230,460
DEERE & CO COM 244199105 490,693 965 SH SOLE 0 0 0 965
DIMENSIONAL ETF TRUST CALIF MUN BD ETF 25434V633 872,502 17,705 SH SOLE 0 0 0 17,705
DISNEY WALT CO COM 254687106 450,384 3,632 SH SOLE 0 0 0 3,632
ELI LILLY & CO COM 532457108 595,338 764 SH SOLE 0 0 0 764
EXXON MOBIL CORP COM 30231G102 1,311,213 12,163 SH SOLE 0 0 0 12,163
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 1,940,147 71,751 SH SOLE 0 0 0 71,751
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 272,783 15,325 SH SOLE 0 0 0 15,325
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 434,234 7,253 SH SOLE 0 0 0 7,253
FISERV INC COM 337738108 315,510 1,830 SH SOLE 0 0 0 1,830
FORD MTR CO COM 345370860 298,926 27,551 SH SOLE 0 0 0 27,551
FRESENIUS MEDICAL CARE AG SPONSORED ADR 358029106 398,037 13,932 SH SOLE 0 0 0 13,932
GE VERNOVA INC COM 36828A101 207,427 392 SH SOLE 0 0 0 392
GENERAL DYNAMICS CORP COM 369550108 389,366 1,335 SH SOLE 0 0 0 1,335
GILEAD SCIENCES INC COM 375558103 319,674 2,883 SH SOLE 0 0 0 2,883
HEICO CORP NEW COM 422806109 442,800 1,350 SH SOLE 0 0 0 1,350
HOME DEPOT INC COM 437076102 1,771,219 4,831 SH SOLE 0 0 0 4,831
HONEYWELL INTL INC COM 438516106 350,484 1,505 SH SOLE 0 0 0 1,505
INTEL CORP COM 458140100 963,267 43,003 SH SOLE 0 0 0 43,003
INTERNATIONAL BUSINESS MACHS COM 459200101 581,788 1,974 SH SOLE 0 0 0 1,974
INVESCO CURRENCYSHARES EURO EURO SHS 46138K103 256,962 2,362 SH SOLE 0 0 0 2,362
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 1,465,772 62,801 SH SOLE 0 0 0 62,801
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 31,765,364 139,874 SH SOLE 0 0 0 139,874
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 1,044,005 14,337 SH SOLE 0 0 0 14,337
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 796,107 18,834 SH SOLE 0 0 0 18,834
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 354,211 1,949 SH SOLE 0 0 0 1,949
INVESCO QQQ TR UNIT SER 1 46090E103 38,686,490 70,130 SH SOLE 0 0 0 70,130
ISHARES INC MSCI EM ASIA ETF 464286426 274,705 3,328 SH SOLE 0 0 0 3,328
ISHARES INC CORE MSCI EMKT 46434G103 1,701,972 28,352 SH SOLE 0 0 0 28,352
ISHARES TR CORE MSCI TOTAL 46432F834 16,519,947 213,684 SH SOLE 0 0 0 213,684
ISHARES TR CORE MSCI EAFE 46432F842 1,064,318 12,749 SH SOLE 0 0 0 12,749
ISHARES TR MSCI INDIA ETF 46429B598 472,166 8,480 SH SOLE 0 0 0 8,480
ISHARES TR CORE HIGH DV ETF 46429B663 419,345 3,579 SH SOLE 0 0 0 3,579
ISHARES TR MSCI USA MIN VOL 46429B697 2,706,107 28,828 SH SOLE 0 0 0 28,828
ISHARES TR 0-5 YR TIPS ETF 46429B747 674,163 6,551 SH SOLE 0 0 0 6,551
ISHARES TR HDG MSCI EAFE 46434V803 570,349 15,025 SH SOLE 0 0 0 15,025
ISHARES TR ESG MSCI LEADR 46435U218 251,901 2,325 SH SOLE 0 0 0 2,325
ISHARES TR CORE TOTAL USD 46434V613 12,066,520 261,011 SH SOLE 0 0 0 261,011
ISHARES TR CORE INTL AGGR 46435G672 6,282,201 122,963 SH SOLE 0 0 0 122,963
ISHARES TR ESG AW MSCI EAFE 46435G516 303,348 3,400 SH SOLE 0 0 0 3,400
ISHARES TR ESG AWR MSCI USA 46435G425 322,456 2,383 SH SOLE 0 0 0 2,383
ISHARES TR RUS 2000 GRW ETF 464287648 214,395 750 SH SOLE 0 0 0 750
ISHARES TR CORE S&P MCP ETF 464287507 16,110,445 259,762 SH SOLE 0 0 0 259,762
ISHARES TR S&P MC 400VL ETF 464287705 622,881 5,040 SH SOLE 0 0 0 5,040
ISHARES TR CORE S&P SCP ETF 464287804 15,158,593 138,701 SH SOLE 0 0 0 138,701
ISHARES TR S&P 500 VAL ETF 464287408 1,104,147 5,650 SH SOLE 0 0 0 5,650
ISHARES TR CORE S&P500 ETF 464287200 76,141,635 122,631 SH SOLE 0 0 0 122,631
ISHARES TR RUS 1000 ETF 464287622 4,696,152 13,830 SH SOLE 0 0 0 13,830
ISHARES TR RUS 1000 VAL ETF 464287598 455,850 2,347 SH SOLE 0 0 0 2,347
ISHARES TR RUS 1000 GRW ETF 464287614 802,978 1,891 SH SOLE 0 0 0 1,891
ISHARES TR RUSSELL 2000 ETF 464287655 11,414,941 52,898 SH SOLE 0 0 0 52,898
ISHARES TR MSCI EAFE ETF 464287465 7,750,681 86,706 SH SOLE 0 0 0 86,706
ISHARES TR RUS MID CAP ETF 464287499 8,816,604 95,864 SH SOLE 0 0 0 95,864
ISHARES TR RUS MD CP GR ETF 464287481 503,686 3,632 SH SOLE 0 0 0 3,632
ISHARES TR ISHARES SEMICDTR 464287523 544,185 2,280 SH SOLE 0 0 0 2,280
ISHARES TR MSCI EMG MKT ETF 464287234 701,303 14,538 SH SOLE 0 0 0 14,538
ISHARES TR 1 3 YR TREAS BD 464287457 1,580,150 19,070 SH SOLE 0 0 0 19,070
ISHARES TR 20 YR TR BD ETF 464287432 1,133,307 12,842 SH SOLE 0 0 0 12,842
ISHARES TR EAFE GRWTH ETF 464288885 11,561,459 103,227 SH SOLE 0 0 0 103,227
ISHARES TR CORE US AGGBD ET 464287226 764,300 7,705 SH SOLE 0 0 0 7,705
ISHARES TR SELECT DIVID ETF 464287168 668,194 5,031 SH SOLE 0 0 0 5,031
ISHARES TR TIPS BD ETF 464287176 4,647,185 42,232 SH SOLE 0 0 0 42,232
ISHARES TR GL TIMB FORE ETF 464288174 450,233 6,137 SH SOLE 0 0 0 6,137
ISHARES TR CORE 40/60 MODER 464289875 5,624,746 122,171 SH SOLE 0 0 0 122,171
ISHARES TR CORE 60/40 BALAN 464289867 5,473,590 88,900 SH SOLE 0 0 0 88,900
ISHARES TR CORE 80/20 AGGRE 464289859 1,205,364 14,453 SH SOLE 0 0 0 14,453
ISHARES TR CALIF MUN BD ETF 464288356 3,376,672 60,579 SH SOLE 0 0 0 60,579
ISHARES TR IBOXX HI YD ETF 464288513 3,935,916 48,802 SH SOLE 0 0 0 48,802
ISHARES TR ISHS 1-5YR INVS 464288646 3,989,143 75,609 SH SOLE 0 0 0 75,609
ISHARES TR US AER DEF ETF 464288760 1,901,700 10,081 SH SOLE 0 0 0 10,081
ISHARES TR CORE S&P TTL STK 464287150 489,981 3,628 SH SOLE 0 0 0 3,628
ISHARES TR MBS ETF 464288588 1,812,171 19,301 SH SOLE 0 0 0 19,301
ISHARES TR PFD AND INCM SEC 464288687 977,731 31,869 SH SOLE 0 0 0 31,869
ISHARES TR NATIONAL MUN ETF 464288414 1,141,446 10,925 SH SOLE 0 0 0 10,925
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 861,594 17,001 SH SOLE 0 0 0 17,001
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 657,085 13,237 SH SOLE 0 0 0 13,237
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 6,763,640 143,724 SH SOLE 0 0 0 143,724
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209 488,031 7,610 SH SOLE 0 0 0 7,610
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274 899,458 18,960 SH SOLE 0 0 0 18,960
J P MORGAN EXCHANGE TRADED F EQUITY FOCUS ETF 46654Q781 322,363 4,596 SH SOLE 0 0 0 4,596
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 251,872 4,630 SH SOLE 0 0 0 4,630
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 311,652 5,482 SH SOLE 0 0 0 5,482
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 15,671,678 338,335 SH SOLE 0 0 0 338,335
JOHNSON & JOHNSON COM 478160104 483,912 3,168 SH SOLE 0 0 0 3,168
JPMORGAN CHASE & CO. COM 46625H100 1,591,302 5,489 SH SOLE 0 0 0 5,489
LAM RESEARCH CORP COM NEW 512807306 492,540 5,060 SH SOLE 0 0 0 5,060
MCDONALDS CORP COM 580135101 688,937 2,358 SH SOLE 0 0 0 2,358
MCKESSON CORP COM 58155Q103 427,211 583 SH SOLE 0 0 0 583
META PLATFORMS INC CL A 30303M102 1,616,182 2,190 SH SOLE 0 0 0 2,190
METTLER TOLEDO INTERNATIONAL COM 592688105 328,922 280 SH SOLE 0 0 0 280
MICROSOFT CORP COM 594918104 4,669,524 9,388 SH SOLE 0 0 0 9,388
MICROSTRATEGY INC CL A NEW 594972408 755,910 1,870 SH SOLE 0 0 0 1,870
NEBIUS GROUP N.V. SHS CLASS A N97284108 255,680 4,621 SH SOLE 0 0 0 4,621
NETFLIX INC COM 64110L106 840,974 628 SH SOLE 0 0 0 628
NEW YORK LIFE INVESTMENTS ET NYLI FTSE INTERN 45409B560 565,087 19,175 SH SOLE 0 0 0 19,175
NVIDIA CORPORATION COM 67066G104 3,373,938 21,355 SH SOLE 0 0 0 21,355
ORACLE CORP COM 68389X105 938,141 4,291 SH SOLE 0 0 0 4,291
PALO ALTO NETWORKS INC COM 697435105 349,525 1,708 SH SOLE 0 0 0 1,708
PEPSICO INC COM 713448108 1,055,660 7,995 SH SOLE 0 0 0 7,995
PHILIP MORRIS INTL INC COM 718172109 245,876 1,350 SH SOLE 0 0 0 1,350
PROCTER AND GAMBLE CO COM 742718109 525,352 3,297 SH SOLE 0 0 0 3,297
ROUNDHILL ETF TRUST GLP 1 & WEIGHT L 77926X882 265,592 10,531 SH SOLE 0 0 0 10,531
RTX CORPORATION COM 75513E101 261,084 1,788 SH SOLE 0 0 0 1,788
SALESFORCE INC COM 79466L302 1,332,642 4,887 SH SOLE 0 0 0 4,887
SCHWAB CHARLES CORP COM 808513105 296,551 3,250 SH SOLE 0 0 0 3,250
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,039,675 67,673 SH SOLE 0 0 0 67,673
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,070,721 200,424 SH SOLE 0 0 0 200,424
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,509,321 85,906 SH SOLE 0 0 0 85,906
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 878,690 31,756 SH SOLE 0 0 0 31,756
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 14,890,494 624,863 SH SOLE 0 0 0 624,863
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,774,997 397,059 SH SOLE 0 0 0 397,059
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 12,973,445 530,828 SH SOLE 0 0 0 530,828
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,349,437 96,367 SH SOLE 0 0 0 96,367
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,078,386 115,382 SH SOLE 0 0 0 115,382
SCHWAB STRATEGIC TR US REIT ETF 808524847 511,414 24,169 SH SOLE 0 0 0 24,169
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,929,077 389,628 SH SOLE 0 0 0 389,628
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,614,882 69,487 SH SOLE 0 0 0 69,487
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 31,117,599 1,174,249 SH SOLE 0 0 0 1,174,249
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 369,552 8,788 SH SOLE 0 0 0 8,788
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 432,426 15,093 SH SOLE 0 0 0 15,093
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 288,264 7,203 SH SOLE 0 0 0 7,203
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 3,043,637 124,028 SH SOLE 0 0 0 124,028
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 946,857 34,620 SH SOLE 0 0 0 34,620
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 381,031 2,640 SH SOLE 0 0 0 2,640
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 309,530 3,525 SH SOLE 0 0 0 3,525
SELECT SECTOR SPDR TR ENERGY 81369Y506 561,697 6,623 SH SOLE 0 0 0 6,623
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 206,289 3,939 SH SOLE 0 0 0 3,939
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 12,111,710 47,829 SH SOLE 0 0 0 47,829
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,185,544 8,795 SH SOLE 0 0 0 8,795
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 233,630 1,075 SH SOLE 0 0 0 1,075
SERVICENOW INC COM 81762P102 205,616 200 SH SOLE 0 0 0 200
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 685,651 1,556 SH SOLE 0 0 0 1,556
SPDR GOLD TR GOLD SHS 78463V107 4,370,043 14,336 SH SOLE 0 0 0 14,336
SPDR INDEX SHS FDS PORTFLO EURP ETF 78463X103 658,378 13,586 SH SOLE 0 0 0 13,586
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 25,643,380 785,162 SH SOLE 0 0 0 785,162
SPDR S&P 500 ETF TR TR UNIT 78462F103 17,372,032 28,117 SH SOLE 0 0 0 28,117
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 6,152,966 10,862 SH SOLE 0 0 0 10,862
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 1,190,198 14,922 SH SOLE 0 0 0 14,922
SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622 705,872 7,257 SH SOLE 0 0 0 7,257
SPDR SERIES TRUST BLOOMBERG INTL 78464A151 13,332,910 409,110 SH SOLE 0 0 0 409,110
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 350,511 4,822 SH SOLE 0 0 0 4,822
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 27,065,414 1,057,243 SH SOLE 0 0 0 1,057,243
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 2,526,306 31,805 SH SOLE 0 0 0 31,805
SPDR SERIES TRUST S&P DIVID ETF 78464A763 1,576,563 11,615 SH SOLE 0 0 0 11,615
SPROTT FOCUS TR INC COM 85208J109 252,426 33,747 SH SOLE 0 0 0 33,747
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101 1,817,528 60,383 SH SOLE 0 0 0 60,383
STARBUCKS CORP COM 855244109 284,857 3,109 SH SOLE 0 0 0 3,109
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 635,757 2,807 SH SOLE 0 0 0 2,807
TESLA INC COM 88160R101 745,230 2,346 SH SOLE 0 0 0 2,346
TRAVELERS COMPANIES INC COM 89417E109 203,865 762 SH SOLE 0 0 0 762
TRUST FOR PROFESSIONAL MANAG CONVERGENCE LNG 89834G760 357,468 15,296 SH SOLE 0 0 0 15,296
ULTRA CLEAN HLDGS INC COM 90385V107 304,695 13,500 SH SOLE 0 0 0 13,500
UNION PAC CORP COM 907818108 234,912 1,021 SH SOLE 0 0 0 1,021
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1,256,974 4,507 SH SOLE 0 0 0 4,507
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 235,888 1,250 SH SOLE 0 0 0 1,250
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 201,492 2,560 SH SOLE 0 0 0 2,560
VANGUARD BD INDEX FDS INTERMED TERM 921937819 18,904,327 244,431 SH SOLE 0 0 0 244,431
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 392,625 5,332 SH SOLE 0 0 0 5,332
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 8,175,735 165,133 SH SOLE 0 0 0 165,133
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 16,774,516 29,531 SH SOLE 0 0 0 29,531
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 453,243 2,756 SH SOLE 0 0 0 2,756
VANGUARD INDEX FDS LARGE CAP ETF 922908637 6,273,605 21,990 SH SOLE 0 0 0 21,990
VANGUARD INDEX FDS VALUE ETF 922908744 11,799,980 66,765 SH SOLE 0 0 0 66,765
VANGUARD INDEX FDS MID CAP ETF 922908629 2,260,098 8,077 SH SOLE 0 0 0 8,077
VANGUARD INDEX FDS SM CP VAL ETF 922908611 388,998 1,995 SH SOLE 0 0 0 1,995
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,919,520 32,781 SH SOLE 0 0 0 32,781
VANGUARD INDEX FDS SML CP GRW ETF 922908595 211,177 763 SH SOLE 0 0 0 763
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,270,908 5,363 SH SOLE 0 0 0 5,363
VANGUARD INDEX FDS GROWTH ETF 922908736 4,867,616 11,103 SH SOLE 0 0 0 11,103
VANGUARD INDEX FDS TOTAL STK MKT 922908769 20,862,067 68,641 SH SOLE 0 0 0 68,641
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 312,190 1,620 SH SOLE 0 0 0 1,620
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,055,668 183,091 SH SOLE 0 0 0 183,091
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7,624,902 113,432 SH SOLE 0 0 0 113,432
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,298,420 45,722 SH SOLE 0 0 0 45,722
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 719,510 14,675 SH SOLE 0 0 0 14,675
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 255,302 909 SH SOLE 0 0 0 909
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 9,053,420 103,800 SH SOLE 0 0 0 103,800
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 267,035 4,543 SH SOLE 0 0 0 4,543
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 246,053 3,095 SH SOLE 0 0 0 3,095
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 25,410,414 124,153 SH SOLE 0 0 0 124,153
VANGUARD STAR FDS VG TL INTL STK F 921909768 216,883 3,139 SH SOLE 0 0 0 3,139
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 12,372,187 217,018 SH SOLE 0 0 0 217,018
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,506,516 18,802 SH SOLE 0 0 0 18,802
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 3,071,367 34,081 SH SOLE 0 0 0 34,081
VANGUARD WORLD FD ESG US STK ETF 921910733 542,602 4,949 SH SOLE 0 0 0 4,949
VANGUARD WORLD FD ESG INTL STK ETF 921910725 460,962 7,038 SH SOLE 0 0 0 7,038
VANGUARD WORLD FD MATERIALS ETF 92204A801 200,480 1,029 SH SOLE 0 0 0 1,029
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 218,824 881 SH SOLE 0 0 0 881
VANGUARD WORLD FD INF TECH ETF 92204A702 3,117,933 4,701 SH SOLE 0 0 0 4,701
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 239,460 855 SH SOLE 0 0 0 855
VISA INC COM CL A 92826C839 919,231 2,589 SH SOLE 0 0 0 2,589
WALMART INC COM 931142103 1,069,863 10,942 SH SOLE 0 0 0 10,942
WELLS FARGO CO NEW COM 949746101 1,186,257 14,806 SH SOLE 0 0 0 14,806
WISDOMTREE TR EM EX ST-OWNED 97717X578 10,252,163 297,337 SH SOLE 0 0 0 297,337
WISDOMTREE TR CYBERSECURITY FD 97717Y659 251,387 7,878 SH SOLE 0 0 0 7,878
WISDOMTREE TR CLOUD COMPUTNG 97717Y691 319,586 8,843 SH SOLE 0 0 0 8,843
WISDOMTREE TR US QTLY DIV GRT 97717X669 6,860,363 81,925 SH SOLE 0 0 0 81,925
WORLD GOLD TR SPDR GLD MINIS 98149E303 5,449,233 83,169 SH SOLE 0 0 0 83,169