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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 509,906 1,706 SH SOLE 1,706 0 0
AFFIRM HLDGS INC COM CL A 00827B106 7,925,518 114,630 SH SOLE 114,630 0 0
ALPHABET INC CAP STK CL A 02079K305 365,612 2,075 SH SOLE 2,075 0 0
ALPHABET INC CAP STK CL C 02079K107 289,804 1,634 SH SOLE 1,634 0 0
AMAZON COM INC COM 023135106 368,435 1,679 SH SOLE 1,679 0 0
AMERICAN EXPRESS CO COM 025816109 382,776 1,200 SH SOLE 1,200 0 0
AMPHENOL CORP NEW CL A 032095101 822,486 8,329 SH SOLE 8,329 0 0
APPLE INC COM 037833100 1,981,226 9,657 SH SOLE 9,657 0 0
APPLE INC COM 037833100 184,653 900 SH Call SOLE 900 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 468,768 965 SH SOLE 965 0 0
CARNIVAL CORP UNIT 99/99/9999 143658300 32,338 1,150 SH SOLE 1,150 0 0
CARNIVAL CORP UNIT 99/99/9999 143658300 382,432 13,600 SH Call SOLE 13,600 0 0
COSTCO WHSL CORP NEW COM 22160K105 319,683 323 SH SOLE 323 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105 763,965 1,500 SH Call SOLE 1,500 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105 8,149 16 SH SOLE 16 0 0
EXXON MOBIL CORP COM 30231G102 228,587 2,120 SH SOLE 2,120 0 0
FIDELITY WISE ORIGIN BITCOIN SHS 315948109 240,552 2,559 SH SOLE 2,559 0 0
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 274,460 3,631 SH SOLE 3,631 0 0
GILEAD SCIENCES INC COM 375558103 205,487 1,853 SH SOLE 1,853 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 207,039 381 SH SOLE 381 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 584,518 25,044 SH SOLE 25,044 0 0
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 2,018,484 109,344 SH SOLE 109,344 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 1,772,060 86,738 SH SOLE 86,738 0 0
INVESCO EXCHANGE TRADED FD T S&P500 BUY WRT 46137V399 1,261,236 57,696 SH SOLE 57,696 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 4,304,124 7,802 SH SOLE 7,802 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 55,164 100 SH Call SOLE 100 0 0
ISHARES INC EM MKT SM-CP ETF 464286475 4,736,481 73,037 SH SOLE 73,037 0 0
ISHARES INC CORE MSCI EMKT 46434G103 8,409,723 140,092 SH SOLE 140,092 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 1,694,654 43,264 SH SOLE 43,264 0 0
ISHARES TR CORE S&P SCP ETF 464287804 13,342,647 122,085 SH SOLE 122,085 0 0
ISHARES TR U.S. REAL ES ETF 464287739 500,366 5,280 SH SOLE 5,280 0 0
ISHARES TR RUS 1000 ETF 464287622 8,703,375 25,631 SH SOLE 25,631 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 2,693,098 25,325 SH SOLE 25,325 0 0
ISHARES TR CORE US AGGBD ET 464287226 16,975,642 171,125 SH SOLE 171,125 0 0
ISHARES TR ESG MSCI LEADR 46435U218 2,419,131 22,327 SH SOLE 22,327 0 0
ISHARES TR ESG AWARE MSCI 46435U663 2,466,952 59,689 SH SOLE 59,689 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 486,125 4,082 SH SOLE 4,082 0 0
ISHARES TR CORE S&P500 ETF 464287200 13,512,552 21,763 SH SOLE 21,763 0 0
ISHARES TR ESG AWR US AGRGT 46435U549 2,876,650 60,510 SH SOLE 60,510 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 1,297,426 14,542 SH SOLE 14,542 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 356,466 8,263 SH SOLE 8,263 0 0
ISHARES TR CALIF MUN BD ETF 464288356 4,177,676 74,949 SH SOLE 74,949 0 0
ISHARES TR CORE S&P US GWT 464287671 3,671,487 24,411 SH SOLE 24,411 0 0
ISHARES TR IBOXX HI YD ETF 464288513 380,763 4,721 SH SOLE 4,721 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 313,042 1,451 SH SOLE 1,451 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 466,021 8,745 SH SOLE 8,745 0 0
ISHARES TR S&P MC 400VL ETF 464287705 10,313,908 83,459 SH SOLE 83,459 0 0
ISHARES TR IBOXX INV CP ETF 464287242 716,893 6,540 SH SOLE 6,540 0 0
ISHARES TR EAFE GRWTH ETF 464288885 3,872,808 34,579 SH SOLE 34,579 0 0
ISHARES TR USD GRN BOND ETF 46435U440 861,038 18,062 SH SOLE 18,062 0 0
ISHARES TR CORE MSCI EAFE 46432F842 10,185,716 122,014 SH SOLE 122,014 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 1,834,842 72,898 SH SOLE 72,898 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 326,949 3,218 SH SOLE 3,218 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,052,312 11,924 SH SOLE 11,924 0 0
ISHARES TR JPMORGAN USD EMG 464288281 8,344,593 90,095 SH SOLE 90,095 0 0
ISHARES TR CORE S&P MCP ETF 464287507 11,429,176 184,282 SH SOLE 184,282 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 13,318,751 273,767 SH SOLE 273,767 0 0
ISHARES TR SELECT DIVID ETF 464287168 4,773,782 35,944 SH SOLE 35,944 0 0
ISHARES TR U.S. TECH ETF 464287721 243,438 1,405 SH SOLE 1,405 0 0
ISHARES TR EAFE SML CP ETF 464288273 10,149,741 139,650 SH SOLE 139,650 0 0
MICROSOFT CORP COM 594918104 248,705 500 SH Call SOLE 500 0 0
MICROSOFT CORP COM 594918104 595,821 1,198 SH SOLE 1,198 0 0
NETFLIX INC COM 64110L106 980,243 732 SH SOLE 732 0 0
NVIDIA CORPORATION COM 67066G104 559,224 3,540 SH SOLE 3,540 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 753,577 5,528 SH SOLE 5,528 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 490,752 3,600 SH Call SOLE 3,600 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,088,593 10,828 SH SOLE 10,828 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 4,210,398 198,979 SH SOLE 198,979 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,433,145 371,948 SH SOLE 371,948 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,606,206 229,386 SH SOLE 229,386 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 468,978 17,697 SH SOLE 17,697 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,031,690 100,587 SH SOLE 100,587 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,456,072 111,134 SH SOLE 111,134 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 263,951 8,851 SH SOLE 8,851 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,458,524 105,788 SH SOLE 105,788 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 365,517 12,513 SH SOLE 12,513 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,114,334 44,045 SH SOLE 44,045 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 607,243 14,258 SH SOLE 14,258 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 661,573 10,665 SH SOLE 10,665 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 239,742 6,448 SH SOLE 6,448 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 61,785 100 SH Call SOLE 100 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,236,916 5,239 SH SOLE 5,239 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 876,862 1,548 SH SOLE 1,548 0 0
SPDR SERIES TRUST NUVEEN ICE MUNIC 78468R721 738,331 16,529 SH SOLE 16,529 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607 1,543,089 16,001 SH SOLE 16,001 0 0
SPDR SERIES TRUST BLOOMBERG INTL 78464A151 534,180 16,391 SH SOLE 16,391 0 0
SPDR SERIES TRUST PORTFLI HIGH YLD 78468R606 7,993,747 335,872 SH SOLE 335,872 0 0
SPDR SERIES TRUST NUVEEN ICE SHORT 78468R739 971,269 20,307 SH SOLE 20,307 0 0
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 1,567,472 19,734 SH SOLE 19,734 0 0
TARGET CORP COM 87612E106 1,184 12 SH SOLE 12 0 0
TARGET CORP COM 87612E106 493,250 5,000 SH Call SOLE 5,000 0 0
TESLA INC COM 88160R101 349,426 1,100 SH Call SOLE 1,100 0 0
TESLA INC COM 88160R101 889,448 2,800 SH Put SOLE 2,800 0 0
TESLA INC COM 88160R101 576,235 1,814 SH SOLE 1,814 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 6,852,342 138,403 SH SOLE 138,403 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 21,784,963 244,610 SH SOLE 244,610 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,209,539 4,322 SH SOLE 4,322 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 206,326 1,058 SH SOLE 1,058 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 204,768 4,140 SH SOLE 4,140 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 307,117 1,501 SH SOLE 1,501 0 0
VISA INC COM CL A 92826C839 1,248,827 3,517 SH SOLE 3,517 0 0