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
ABBVIE INC COM 00287Y109 358,047 1,823 SH SOLE 0 0 1,823
AFLAC INC COM 001055102 231,145 2,259 SH SOLE 0 0 2,259
ALPHABET INC CAP STK CL A 02079K305 499,954 2,549 SH SOLE 0 0 2,549
ALPHABET INC CAP STK CL C 02079K107 517,034 2,625 SH SOLE 0 0 2,625
AMAZON COM INC COM 023135106 2,980,510 13,407 SH SOLE 0 0 13,407
AMERICAN HEALTHCARE REIT INC COM SHS 398182303 328,514 8,285 SH SOLE 0 0 8,285
APPLE INC COM 037833100 11,839,018 55,517 SH SOLE 0 0 55,517
APPLIED MATLS INC COM 038222105 262,030 1,470 SH SOLE 0 0 1,470
AT&T INC COM 00206R102 353,221 12,849 SH SOLE 0 0 12,849
BANK AMERICA CORP COM 060505104 356,303 7,844 SH SOLE 0 0 7,844
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 390,602 833 SH SOLE 0 0 833
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 29,573,582 527,911 SH SOLE 0 0 527,911
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 690,978 10,035 SH SOLE 0 0 10,035
BLACKROCK ETF TRUST ISHARES ADVANTAG 09290C863 208,659 6,852 SH SOLE 0 0 6,852
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 4,932,663 156,642 SH SOLE 0 0 156,642
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 13,519,373 372,742 SH SOLE 0 0 372,742
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 2,341,473 44,337 SH SOLE 0 0 44,337
BLACKROCK ETF TRUST II ISHARES HIGH YIE 092528843 1,267,825 26,562 SH SOLE 0 0 26,562
BLACKSTONE INC COM 09260D107 202,623 1,196 SH SOLE 0 0 1,196
BOEING CO COM 097023105 1,643,072 7,301 SH SOLE 0 0 7,301
BONDBLOXX ETF TRUST BLOOMBERG TEN YR 09789C812 3,944,403 85,571 SH SOLE 0 0 85,571
BROADCOM INC COM 11135F101 3,511,845 11,641 SH SOLE 0 0 11,641
CATERPILLAR INC COM 149123101 353,456 826 SH SOLE 0 0 826
CHEVRON CORP NEW COM 166764100 244,262 1,598 SH SOLE 0 0 1,598
CLEVELAND-CLIFFS INC NEW COM 185899101 97,148 10,368 SH SOLE 0 0 10,368
COSTCO WHSL CORP NEW COM 22160K105 632,543 653 SH SOLE 0 0 653
CSX CORP COM 126408103 275,520 7,651 SH SOLE 0 0 7,651
DELL TECHNOLOGIES INC CL C 24703L202 322,491 2,516 SH SOLE 0 0 2,516
DISNEY WALT CO COM 254687106 889,560 7,723 SH SOLE 0 0 7,723
EXXON MOBIL CORP COM 30231G102 401,385 3,768 SH SOLE 0 0 3,768
GE AEROSPACE COM NEW 369604301 265,673 975 SH SOLE 0 0 975
GE VERNOVA INC COM 36828A101 297,150 447 SH SOLE 0 0 447
HOME DEPOT INC COM 437076102 674,566 1,743 SH SOLE 0 0 1,743
INTERNATIONAL BUSINESS MACHS COM 459200101 388,393 1,539 SH SOLE 0 0 1,539
INVESCO QQQ TR UNIT SER 1 46090E103 358,752 632 SH SOLE 0 0 632
IRON MTN INC DEL COM 46284V101 495,290 5,500 SH SOLE 0 0 5,500
ISHARES GOLD TR ISHARES NEW 464285204 3,289,103 51,748 SH SOLE 0 0 51,748
ISHARES INC MSCI EMRG CHN 46434G764 3,212,400 50,716 SH SOLE 0 0 50,716
ISHARES INC ESG AWR MSCI EM 46434G863 204,501 5,121 SH SOLE 0 0 5,121
ISHARES INC CORE MSCI EMKT 46434G103 601,172 9,855 SH SOLE 0 0 9,855
ISHARES TR ESG MSCI USA ETF 46436E767 583,746 10,513 SH SOLE 0 0 10,513
ISHARES TR 1 3 YR TREAS BD 464287457 251,344 3,039 SH SOLE 0 0 3,039
ISHARES TR ESG EAFE ETF 46436E759 227,102 3,119 SH SOLE 0 0 3,119
ISHARES TR US INFRASTRUC 46435U713 292,440 5,800 SH SOLE 0 0 5,800
ISHARES TR ESG MSCI KLD 400 464288570 449,836 3,756 SH SOLE 0 0 3,756
ISHARES TR 0-5 YR TIPS ETF 46429B747 741,293 7,197 SH SOLE 0 0 7,197
ISHARES TR INVESTMENT GRADE 46435G219 332,759 7,310 SH SOLE 0 0 7,310
ISHARES TR CORE 80/20 AGGRE 464289859 495,709 5,902 SH SOLE 0 0 5,902
ISHARES TR CALIF MUN BD ETF 464288356 13,350,172 240,111 SH SOLE 0 0 240,111
ISHARES TR EAFE VALUE ETF 464288877 30,100,399 465,374 SH SOLE 0 0 465,374
ISHARES TR ESG AWR MSCI USA 46435G425 1,575,330 11,384 SH SOLE 0 0 11,384
ISHARES TR MSCI USA MIN VOL 46429B697 1,197,239 12,862 SH SOLE 0 0 12,862
ISHARES TR INTL DIV GRWTH 46435G524 378,598 4,920 SH SOLE 0 0 4,920
ISHARES TR 0-3 MNTH TREASRY 46436E718 586,219 5,837 SH SOLE 0 0 5,837
ISHARES TR EAFE GRWTH ETF 464288885 15,173,877 139,401 SH SOLE 0 0 139,401
ISHARES TR CORE S&P500 ETF 464287200 1,065,899 1,676 SH SOLE 0 0 1,676
ISHARES TR S&P 500 VAL ETF 464287408 38,837,860 197,547 SH SOLE 0 0 197,547
ISHARES TR JPMORGAN USD EMG 464288281 835,725 8,963 SH SOLE 0 0 8,963
ISHARES TR ISHS 1-5YR INVS 464288646 283,351 5,370 SH SOLE 0 0 5,370
ISHARES TR NATIONAL MUN ETF 464288414 334,102 3,211 SH SOLE 0 0 3,211
ISHARES TR HDG MSCI EAFE 46434V803 1,607,415 42,524 SH SOLE 0 0 42,524
ISHARES TR CORE DIV GRWTH 46434V621 721,153 11,127 SH SOLE 0 0 11,127
ISHARES TR US TREAS BD ETF 46429B267 487,655 21,253 SH SOLE 0 0 21,253
ISHARES TR A RATE CP BD ETF 46429B291 416,971 8,697 SH SOLE 0 0 8,697
ISHARES TR CORE TOTAL USD 46434V613 17,069,028 369,139 SH SOLE 0 0 369,139
ISHARES TR IBOXX HI YD ETF 464288513 268,231 3,340 SH SOLE 0 0 3,340
ISHARES TR CORE S&P MCP ETF 464287507 262,636 4,191 SH SOLE 0 0 4,191
ISHARES TR U.S. TECH ETF 464287721 12,915,920 71,060 SH SOLE 0 0 71,060
ISHARES TR MSCI USA VALUE 46432F388 485,039 4,289 SH SOLE 0 0 4,289
ISHARES TR CORE MSCI EAFE 46432F842 237,063 2,843 SH SOLE 0 0 2,843
ISHARES TR MSCI USA QLT FCT 46432F339 5,431,221 29,296 SH SOLE 0 0 29,296
ISHARES TR S&P 500 GRWT ETF 464287309 47,918,476 419,087 SH SOLE 0 0 419,087
ISHARES TR 10-20 YR TRS ETF 464288653 1,876,178 18,497 SH SOLE 0 0 18,497
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 491,356 9,718 SH SOLE 0 0 9,718
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 23,887,472 392,434 SH SOLE 0 0 392,434
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 203,998 3,643 SH SOLE 0 0 3,643
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779 6,224,257 95,816 SH SOLE 0 0 95,816
JPMORGAN CHASE & CO. COM 46625H100 718,587 2,466 SH SOLE 0 0 2,466
KKR & CO INC COM 48251W104 329,239 2,277 SH SOLE 0 0 2,277
LAM RESEARCH CORP COM NEW 512807306 420,780 4,385 SH SOLE 0 0 4,385
LOCKHEED MARTIN CORP COM 539830109 368,138 846 SH SOLE 0 0 846
MCDONALDS CORP COM 580135101 718,193 2,334 SH SOLE 0 0 2,334
META PLATFORMS INC CL A 30303M102 894,264 1,158 SH SOLE 0 0 1,158
MICROSOFT CORP COM 594918104 4,868,774 9,274 SH SOLE 0 0 9,274
NETFLIX INC COM 64110L106 362,972 308 SH SOLE 0 0 308
NORTHROP GRUMMAN CORP COM 666807102 233,185 395 SH SOLE 0 0 395
NVIDIA CORPORATION COM 67066G104 4,816,578 26,845 SH SOLE 0 0 26,845
ORACLE CORP COM 68389X105 226,572 883 SH SOLE 0 0 883
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 294,640 2,937 SH SOLE 0 0 2,937
PROCTER AND GAMBLE CO COM 742718109 541,026 3,539 SH SOLE 0 0 3,539
PROLOGIS INC. COM 74340W103 645,833 6,108 SH SOLE 0 0 6,108
ROCKET LAB CORP COM 773121108 255,780 5,800 SH SOLE 0 0 5,800
ROCKWELL AUTOMATION INC COM 773903109 456,525 1,389 SH SOLE 0 0 1,389
ROSS STORES INC COM 778296103 392,261 2,676 SH SOLE 0 0 2,676
RTX CORPORATION COM 75513E101 248,605 1,596 SH SOLE 0 0 1,596
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 278,773 6,829 SH SOLE 0 0 6,829
SELECT SECTOR SPDR TR ENERGY 81369Y506 314,496 3,712 SH SOLE 0 0 3,712
SEMPRA COM 816851109 819,282 10,095 SH SOLE 0 0 10,095
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 15,594,516 358,412 SH SOLE 0 0 358,412
SPDR S&P 500 ETF TR TR UNIT 78462F103 473,813 748 SH SOLE 0 0 748
SPDR SERIES TRUST PORT MTG BK ETF 78464A383 2,877,334 130,137 SH SOLE 0 0 130,137
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 24,628,287 330,847 SH SOLE 0 0 330,847
TESLA INC COM 88160R101 1,900,905 5,942 SH SOLE 0 0 5,942
TJX COS INC NEW COM 872540109 203,022 1,536 SH SOLE 0 0 1,536
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,615,266 52,919 SH SOLE 0 0 52,919
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 392,843 675 SH SOLE 0 0 675
VANGUARD INDEX FDS TOTAL STK MKT 922908769 239,865 770 SH SOLE 0 0 770
VANGUARD WORLD FD INF TECH ETF 92204A702 267,141 386 SH SOLE 0 0 386
VANGUARD WORLD FD MEGA CAP INDEX 921910873 13,432,428 58,217 SH SOLE 0 0 58,217
WALMART INC COM 931142103 541,119 5,235 SH SOLE 0 0 5,235
WESTAMERICA BANCORPORATION COM 957090103 241,233 5,091 SH SOLE 0 0 5,091