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
ALPHABET INC CAP STK CL C 02079K107 344,232 1,200 SH SOLE 0 0 1,200
AMAZON COM INC COM 023135106 479,229 2,301 SH SOLE 0 0 2,301
AMERICAN CENTY ETF TR US SML CP VALU 025072877 263,692 2,387 SH SOLE 0 0 2,387
APPLE INC COM 037833100 2,681,799 10,567 SH SOLE 0 0 10,567
ARISTA NETWORKS INC COM SHS 040413205 1,227,554 9,998 SH SOLE 0 0 9,998
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 1,709,355 35,508 SH SOLE 0 0 35,508
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,436,280 2 SH SOLE 0 0 2
COMMUNITY WEST BANCSHARES NE COM 203937107 241,435 10,362 SH SOLE 0 0 10,362
CORNING INC COM 219350105 506,216 3,723 SH SOLE 0 0 3,723
COSTCO WHOLESALE CORPORATION COM 22160K105 1,391,016 1,396 SH SOLE 0 0 1,396
FIRST TR EXCHNG TRADED FD VI FT VEST LADDERED 33740U752 260,591 7,378 SH SOLE 0 0 7,378
GILEAD SCIENCES INC COM 375558103 692,530 4,969 SH SOLE 0 0 4,969
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109 333,971 6,330 SH SOLE 0 0 6,330
INTERNATIONAL BUSINESS MACHS COM 459200101 264,205 1,090 SH SOLE 0 0 1,090
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 1,988,844 95,160 SH SOLE 0 0 95,160
INVESCO INDIA EXCHANGE-TRADE INDIA ETF 46137R109 213,101 10,380 SH SOLE 0 0 10,380
INVESCO QQQ TR UNIT SER 1 46090E103 5,015,695 8,690 SH SOLE 0 0 8,690
ISHARES GOLD TR ISHARES NEW 464285204 1,128,889 12,805 SH SOLE 0 0 12,805
ISHARES INC ESG AWR MSCI EM 46434G863 311,970 6,861 SH SOLE 0 0 6,861
ISHARES INC MSCI BRAZIL ETF 464286400 534,581 13,925 SH SOLE 0 0 13,925
ISHARES INC MSCI EM ASIA ETF 464286426 287,205 3,000 SH SOLE 0 0 3,000
ISHARES INC MSCI HONG KG ETF 464286871 1,447,096 62,672 SH SOLE 0 0 62,672
ISHARES INC MSCI PAC JP ETF 464286665 2,590,788 48,754 SH SOLE 0 0 48,754
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,894,217 18,314 SH SOLE 0 0 18,314
ISHARES TR AGENCY BOND ETF 464288166 1,025,240 9,345 SH SOLE 0 0 9,345
ISHARES TR CORE INTL AGGR 46435G672 464,822 9,289 SH SOLE 0 0 9,289
ISHARES TR CORE MSCI EURO 46434V738 1,448,967 20,620 SH SOLE 0 0 20,620
ISHARES TR CORE MSCI TOTAL 46432F834 490,209 5,658 SH SOLE 0 0 5,658
ISHARES TR CORE US AGGBD ET 464287226 6,067,879 61,125 SH SOLE 0 0 61,125
ISHARES TR CRE U S REIT ETF 464288521 217,523 3,675 SH SOLE 0 0 3,675
ISHARES TR ESG AW MSCI EAFE 46435G516 698,217 7,302 SH SOLE 0 0 7,302
ISHARES TR ESG OPTIMIZED 464288802 556,141 4,210 SH SOLE 0 0 4,210
ISHARES TR EXPANDED TECH 464287515 3,217,610 40,195 SH SOLE 0 0 40,195
ISHARES TR IBOXX INV CP ETF 464287242 2,189,064 20,085 SH SOLE 0 0 20,085
ISHARES TR ISHARES BIOTECH 464287556 862,655 5,109 SH SOLE 0 0 5,109
ISHARES TR ISHARES SEMICDTR 464287523 4,905,251 14,925 SH SOLE 0 0 14,925
ISHARES TR JPMORGAN USD EMG 464288281 3,732,684 39,739 SH SOLE 0 0 39,739
ISHARES TR LATN AMER 40 ETF 464287390 2,482,280 69,884 SH SOLE 0 0 69,884
ISHARES TR MBS ETF 464288588 300,042 3,160 SH SOLE 0 0 3,160
ISHARES TR MSCI INDIA ETF 46429B598 318,044 6,790 SH SOLE 0 0 6,790
ISHARES TR MSCI UK ETF NEW 46435G334 6,861,883 150,612 SH SOLE 0 0 150,612
ISHARES TR PFD AND INCM SEC 464288687 2,714,095 89,515 SH SOLE 0 0 89,515
ISHARES TR RUS 1000 GRW ETF 464287614 204,672 480 SH SOLE 0 0 480
ISHARES TR RUS 1000 VAL ETF 464287598 247,644 1,159 SH SOLE 0 0 1,159
ISHARES TR SP SMCP600VL ETF 464287879 216,408 1,827 SH SOLE 0 0 1,827
ISHARES TR US HLTHCARE ETF 464287762 269,675 4,375 SH SOLE 0 0 4,375
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 7,149,371 141,264 SH SOLE 0 0 141,264
META PLATFORMS INC CL A 30303M102 1,128,240 1,972 SH SOLE 0 0 1,972
MICROSOFT CORP COM 594918104 893,961 2,415 SH SOLE 0 0 2,415
NVIDIA CORPORATION COM 67066G104 245,032 1,405 SH SOLE 0 0 1,405
RIVIAN AUTOMOTIVE INC COM CL A 76954A103 150,500 10,000 SH SOLE 0 0 10,000
SELECT SECTOR SPDR TR STATE STREET COM 81369Y852 6,765,564 61,028 SH SOLE 0 0 61,028
SELECT SECTOR SPDR TR STATE STREET CON 81369Y407 4,565,609 41,894 SH SOLE 0 0 41,894
SELECT SECTOR SPDR TR STATE STREET CON 81369Y308 8,657,907 105,610 SH SOLE 0 0 105,610
SELECT SECTOR SPDR TR STATE STREET ENE 81369Y506 1,298,100 21,190 SH SOLE 0 0 21,190
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605 7,600,067 153,941 SH SOLE 0 0 153,941
SELECT SECTOR SPDR TR STATE STREET HEA 81369Y209 5,365,486 36,597 SH SOLE 0 0 36,597
SELECT SECTOR SPDR TR STATE STREET IND 81369Y704 10,474,605 64,766 SH SOLE 0 0 64,766
SELECT SECTOR SPDR TR STATE STREET MAT 81369Y100 3,842,343 76,893 SH SOLE 0 0 76,893
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 6,486,450 48,807 SH SOLE 0 0 48,807
SELECT SECTOR SPDR TR STATE STREET UTI 81369Y886 1,431,309 31,190 SH SOLE 0 0 31,190
SPDR INDEX SHS FDS STATE STREET SPD 78463X400 346,406 3,720 SH SOLE 0 0 3,720
SPDR SERIES TRUST STATE STREET SPD 78464A375 1,127,246 33,609 SH SOLE 0 0 33,609
SPDR SERIES TRUST STATE STREET SPD 78468R622 657,309 6,867 SH SOLE 0 0 6,867
SPDR SERIES TRUST STATE STREET SPD 78464A805 1,864,709 23,586 SH SOLE 0 0 23,586
SPDR SERIES TRUST STATE STREET SPD 78464A599 216,993 1,525 SH SOLE 0 0 1,525
SPDR SERIES TRUST STATE STREET SPD 78464A474 2,178,541 72,449 SH SOLE 0 0 72,449
SPDR SERIES TRUST STATE STREET SPD 78464A870 867,159 6,789 SH SOLE 0 0 6,789
SPDR SERIES TRUST STATE STREET SPD 78464A292 225,441 7,310 SH SOLE 0 0 7,310
SPDR SERIES TRUST STATE STREET SPD 78464A508 319,620 5,649 SH SOLE 0 0 5,649
SPDR SERIES TRUST STATE STREET SPD 78468R408 7,018,331 280,958 SH SOLE 0 0 280,958
SPDR SERIES TRUST STATE STREET SPD 78464A649 731,707 28,560 SH SOLE 0 0 28,560
SPDR SERIES TRUST STATE STREET SPD 78464A839 859,589 10,095 SH SOLE 0 0 10,095
SPDR SERIES TRUST STATE STREET SPD 78464A862 1,708,869 5,240 SH SOLE 0 0 5,240
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 1,593,374 3,440 SH SOLE 0 0 3,440
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 6,664,684 10,248 SH SOLE 0 0 10,248
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 4,465,767 92,940 SH SOLE 0 0 92,940
VANGUARD INDEX FDS GROWTH ETF 922908736 504,056 1,154 SH SOLE 0 0 1,154
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 8,523,503 46,253 SH SOLE 0 0 46,253
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 294,218 3,317 SH SOLE 0 0 3,317
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,499,033 25,312 SH SOLE 0 0 25,312
VANGUARD INDEX FDS TOTAL STK MKT 922908769 14,305,881 44,593 SH SOLE 0 0 44,593
VANGUARD INDEX FDS VALUE ETF 922908744 7,905,094 40,291 SH SOLE 0 0 40,291
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 600,766 11,115 SH SOLE 0 0 11,115
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 3,943,286 47,838 SH SOLE 0 0 47,838
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 938,501 9,603 SH SOLE 0 0 9,603
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,335,311 66,773 SH SOLE 0 0 66,773
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 8,847,721 111,615 SH SOLE 0 0 111,615
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 319,759 4,990 SH SOLE 0 0 4,990
VANGUARD WORLD FD COMM SRVC ETF 92204A884 4,833,200 26,875 SH SOLE 0 0 26,875
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 2,865,419 7,981 SH SOLE 0 0 7,981
VANGUARD WORLD FD CONSUM STP ETF 92204A207 4,662,713 20,761 SH SOLE 0 0 20,761
VANGUARD WORLD FD ENERGY ETF 92204A306 1,626,057 9,397 SH SOLE 0 0 9,397
VANGUARD WORLD FD FINANCIALS ETF 92204A405 3,182,015 26,339 SH SOLE 0 0 26,339
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 6,661,192 24,460 SH SOLE 0 0 24,460
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 6,031,779 19,319 SH SOLE 0 0 19,319
VANGUARD WORLD FD INF TECH ETF 92204A702 4,089,337 5,861 SH SOLE 0 0 5,861
VANGUARD WORLD FD MATERIALS ETF 92204A801 2,273,005 10,087 SH SOLE 0 0 10,087
VANGUARD WORLD FD UTILITIES ETF 92204A876 1,798,715 9,078 SH SOLE 0 0 9,078
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 5,908,279 112,969 SH SOLE 0 0 112,969
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 14,832,430 294,645 SH SOLE 0 0 294,645
WISDOMTREE TR INDIA ERNGS FD 97717W422 2,077,903 50,929 SH SOLE 0 0 50,929
WISDOMTREE TR INTL SMCAP DIV 97717W760 1,290,960 15,840 SH SOLE 0 0 15,840
WISDOMTREE TR JAPN HEDGE EQT 97717W851 7,375,239 46,508 SH SOLE 0 0 46,508
WISDOMTREE TR US SMALLCAP DIVD 97717W604 462,188 12,860 SH SOLE 0 0 12,860
WISDOMTREE TR US TOTAL DIVIDND 97717W109 1,160,678 13,440 SH SOLE 0 0 13,440
WISDOMTREE TR YIELD ENHANCD US 97717X511 2,936,003 67,572 SH SOLE 0 0 67,572