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
3M CO COM 88579Y101 321,361 2,019 SH SOLE 0 0 2,019
ABBVIE INC COM 00287Y109 957,887 3,760 SH SOLE 0 0 3,760
ADVANCED MICRO DEVICES INC COM 007903107 467,586 847 SH SOLE 0 0 847
AFLAC INC COM 001055102 252,385 2,095 SH SOLE 0 0 2,095
ALLSTATE CORP COM 020002101 243,154 979 SH SOLE 0 0 979
ALPHABET INC CAP STK CL A 02079K305 3,170,578 8,652 SH SOLE 0 0 8,652
ALPHABET INC CAP STK CL C 02079K107 4,034,357 11,056 SH SOLE 0 0 11,056
ALTRIA GROUP INC COM 02209S103 611,312 8,505 SH SOLE 0 0 8,505
AMAZON COM INC COM 023135106 2,930,652 12,003 SH SOLE 0 0 12,003
AMERICAN ELEC PWR CO INC COM 025537101 342,806 2,521 SH SOLE 0 0 2,521
AMERICAN EXPRESS CO COM 025816109 229,283 644 SH SOLE 0 0 644
AMETEK INC COM 031100100 1,841,392 7,765 SH SOLE 0 0 7,765
AMGEN INC COM 031162100 353,081 964 SH SOLE 0 0 964
APPLE INC COM 037833100 60,585,714 193,775 SH SOLE 0 0 193,775
ARCHROCK INC COM 03957W106 215,527 5,900 SH SOLE 0 0 5,900
ARISTA NETWORKS INC COM SHS 040413205 644,082 3,717 SH SOLE 0 0 3,717
ARTERIS INC COM 04302A104 2,479,393 71,206 SH SOLE 0 0 71,206
ASTERA LABS INC COM 04626A103 329,748 762 SH SOLE 0 0 762
BANK MONTREAL MEDIUM COM 063671101 301,131 1,710 SH SOLE 0 0 1,710
BANK OF AMER CORP COM 060505104 621,441 10,375 SH SOLE 0 0 10,375
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,509,102 2,979 SH SOLE 0 0 2,979
BHP BILLITON LIMITED SPONSORED ADS 088606108 319,685 3,822 SH SOLE 0 0 3,822
BLACKSTONE INC COM 09260D107 326,940 2,649 SH SOLE 0 0 2,649
BLOCK H & R INC COM 093671105 474,327 12,094 SH SOLE 0 0 12,094
BOEING CO COM 097023105 312,407 1,332 SH SOLE 0 0 1,332
BOSTON SCIENTIFIC CORP COM 101137107 487,032 10,920 SH SOLE 0 0 10,920
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 302,629 4,924 SH SOLE 0 0 4,924
BROADCOM INC COM 11135F101 805,755 2,155 SH SOLE 0 0 2,155
BURLINGTON STORES INC COM 122017106 317,045 1,015 SH SOLE 0 0 1,015
CADENCE DESIGN SYSTEM INC COM 127387108 612,129 1,629 SH SOLE 0 0 1,629
CANADIAN IMPERIAL BANK OF CO COM 136069101 981,137 8,505 SH SOLE 0 0 8,505
CANADIAN NATL RY CO COM 136375102 729,960 6,000 SH SOLE 0 0 6,000
CANADIAN PACIFIC KANSAS CITY COM 13646K108 610,280 6,935 SH SOLE 0 0 6,935
CATERPILLAR INC COM 149123101 1,622,620 1,673 SH SOLE 0 0 1,673
CHEVRON CORPORATION COM 166764100 606,173 3,606 SH SOLE 0 0 3,606
CHIME FINL INC COM SHS CL A 16935C109 325,397 15,170 SH SOLE 0 0 15,170
CISCO SYS INC COM 17275R102 726,615 6,375 SH SOLE 0 0 6,375
COCA COLA CO COM 191216100 214,592 2,587 SH SOLE 0 0 2,587
COCA COLA CONS INC COM 191098102 263,408 1,402 SH SOLE 0 0 1,402
COLGATE PALMOLIVE CO COM 194162103 370,635 3,969 SH SOLE 0 0 3,969
COMFORT SYS USA INC COM 199908104 478,739 267 SH SOLE 0 0 267
CONSOLIDATED EDISON INC COM 209115104 565,297 5,050 SH SOLE 0 0 5,050
CONSTELLATION ENERGY CORP COM 21037T109 321,844 1,309 SH SOLE 0 0 1,309
CORNING INC COM 219350105 291,718 1,498 SH SOLE 0 0 1,498
COSTCO WHOLESALE CORPORATION COM 22160K105 717,589 755 SH SOLE 0 0 755
CROWDSTRIKE HLDGS INC CL A 22788C105 205,760 1,032 SH SOLE 0 0 1,032
CUMMINS INC COM 231021106 210,933 311 SH SOLE 0 0 311
DBX ETF TR XTRACK MSCI EAFE 233051200 788,194 14,232 SH SOLE 0 0 14,232
DEERE & CO COM 244199105 1,369,910 2,157 SH SOLE 0 0 2,157
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 1,141,247 25,646 SH SOLE 0 0 25,646
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 231,984 4,211 SH SOLE 0 0 4,211
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 287,785 7,732 SH SOLE 0 0 7,732
DISNEY WALT CO COM 254687106 238,462 2,448 SH SOLE 0 0 2,448
DUKE ENERGY CORP NEW COM NEW 26441C204 250,806 1,991 SH SOLE 0 0 1,991
EATON CORP PLC SHS G29183103 332,803 805 SH SOLE 0 0 805
ELECTRONIC ARTS INC COM 285512109 238,044 1,160 SH SOLE 0 0 1,160
ELI LILLY & CO COM 532457108 5,381,069 4,484 SH SOLE 0 0 4,484
ENTERGY CORP NEW COM 29364G103 246,214 2,163 SH SOLE 0 0 2,163
ESPERION THERAPEUTICS INC NE COM 29664W105 31,500 10,000 SH SOLE 0 0 10,000
EXELON CORP COM 30161N101 249,883 5,311 SH SOLE 0 0 5,311
EXPEDIA GROUP INC COM NEW 30212P303 636,223 2,385 SH SOLE 0 0 2,385
EXXON MOBIL CORP COM 30231G102 404,135 2,962 SH SOLE 0 0 2,962
FLOWERS FOODS INC COM 343498101 95,692 11,114 SH SOLE 0 0 11,114
GE AEROSPACE COM NEW 369604301 352,942 932 SH SOLE 0 0 932
GE VERNOVA INC COM 36828A101 364,051 316 SH SOLE 0 0 316
GENERAL MILLS INC COM 370334104 234,274 6,486 SH SOLE 0 0 6,486
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109 212,667 4,305 SH SOLE 0 0 4,305
HEWLETT PACKARD ENTERPRISE C COM 42824C109 245,394 5,687 SH SOLE 0 0 5,687
HOME DEPOT INC COM 437076102 650,895 1,856 SH SOLE 0 0 1,856
HOWMET AEROSPACE INC COM 443201108 296,252 1,066 SH SOLE 0 0 1,066
HP INC COM 40434L105 312,129 13,811 SH SOLE 0 0 13,811
INTEL CORP COM 458140100 1,044,644 8,549 SH SOLE 0 0 8,549
INTERNATIONAL BUSINESS MACHS COM 459200101 672,039 2,244 SH SOLE 0 0 2,244
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 3,028,398 123,281 SH SOLE 0 0 123,281
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 816,347 34,635 SH SOLE 0 0 34,635
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 642,450 10,619 SH SOLE 0 0 10,619
INVESCO QQQ TR UNIT SER 1 46090E103 4,276,548 5,916 SH SOLE 0 0 5,916
ISHARES INC CORE MSCI EMKT 46434G103 34,197,835 417,047 SH SOLE 0 0 417,047
ISHARES INC EMNG MKTS EQT 46434G889 568,982 7,879 SH SOLE 0 0 7,879
ISHARES INC MSCI EMRG CHN 46434G764 3,507,980 35,013 SH SOLE 0 0 35,013
ISHARES INC MSCI EQUAL WEITE 464286681 1,137,084 9,850 SH SOLE 0 0 9,850
ISHARES TR 0-3 MTH TREASURY 46436E718 17,873,913 177,956 SH SOLE 0 0 177,956
ISHARES TR 0-5 YR TIPS ETF 46429B747 386,641 3,815 SH SOLE 0 0 3,815
ISHARES TR 10-20 YR TRS ETF 464288653 15,584,388 156,580 SH SOLE 0 0 156,580
ISHARES TR 20 YR TR BD ETF 464287432 840,583 9,837 SH SOLE 0 0 9,837
ISHARES TR CALIF MUN BD ETF 464288356 16,881,084 293,212 SH SOLE 0 0 293,212
ISHARES TR CORE 1 5 YR USD 46432F859 216,437 4,496 SH SOLE 0 0 4,496
ISHARES TR CORE MSCI EAFE 46432F842 7,610,697 77,415 SH SOLE 0 0 77,415
ISHARES TR CORE S&P MCP ETF 464287507 12,409,041 162,379 SH SOLE 0 0 162,379
ISHARES TR CORE S&P SCP ETF 464287804 2,713,719 18,485 SH SOLE 0 0 18,485
ISHARES TR CORE S&P TTL STK 464287150 214,413 1,299 SH SOLE 0 0 1,299
ISHARES TR CORE S&P500 ETF 464287200 81,598,815 108,112 SH SOLE 0 0 108,112
ISHARES TR CORE UNIVRSL USD 46434V613 66,054,376 1,435,965 SH SOLE 0 0 1,435,965
ISHARES TR EAFE GRWTH ETF 464288885 22,157,035 177,115 SH SOLE 0 0 177,115
ISHARES TR EAFE VALUE ETF 464288877 34,724,251 442,403 SH SOLE 0 0 442,403
ISHARES TR ESG AW MSCI EAFE 46435G516 505,535 4,841 SH SOLE 0 0 4,841
ISHARES TR ESG AWARE MSCI 46435U663 687,250 12,489 SH SOLE 0 0 12,489
ISHARES TR ESG AWR MSCI USA 46435G425 24,187,044 146,606 SH SOLE 0 0 146,606
ISHARES TR ESG AWR US AGRGT 46435U549 9,408,799 199,212 SH SOLE 0 0 199,212
ISHARES TR ESG AWRE 1 5 YR 46435G243 220,916 8,858 SH SOLE 0 0 8,858
ISHARES TR ESG AWRE USD ETF 46435G193 865,886 37,533 SH SOLE 0 0 37,533
ISHARES TR ESG MSCI LEADR 46435U218 1,407,949 10,577 SH SOLE 0 0 10,577
ISHARES TR EUROPE ETF 464287861 1,489,676 20,158 SH SOLE 0 0 20,158
ISHARES TR HDG MSCI EAFE 46434V803 298,143 6,371 SH SOLE 0 0 6,371
ISHARES TR JPMORGAN USD EMG 464288281 223,821 2,323 SH SOLE 0 0 2,323
ISHARES TR MSCI INTL VLU FT 46435G409 1,265,579 29,542 SH SOLE 0 0 29,542
ISHARES TR NATIONAL MUN ETF 464288414 241,387 2,244 SH SOLE 0 0 2,244
ISHARES TR RUS 1000 ETF 464287622 203,930 495 SH SOLE 0 0 495
ISHARES TR RUS 1000 GRW ETF 464287614 5,649,645 45,932 SH SOLE 0 0 45,932
ISHARES TR RUS 1000 VAL ETF 464287598 4,017,468 16,249 SH SOLE 0 0 16,249
ISHARES TR RUS 2000 GRW ETF 464287648 1,820,592 4,668 SH SOLE 0 0 4,668
ISHARES TR RUS 2000 VAL ETF 464287630 1,213,170 5,471 SH SOLE 0 0 5,471
ISHARES TR RUS MDCP VAL ETF 464287473 1,720,201 10,358 SH SOLE 0 0 10,358
ISHARES TR RUS MID CAP ETF 464287499 413,460 3,738 SH SOLE 0 0 3,738
ISHARES TR RUSSELL 2000 ETF 464287655 260,474 871 SH SOLE 0 0 871
ISHARES TR RUSSELL 3000 ETF 464287689 703,752 1,643 SH SOLE 0 0 1,643
ISHARES TR S&P 100 ETF 464287101 7,954,002 21,527 SH SOLE 0 0 21,527
ISHARES TR S&P 500 GRWT ETF 464287309 918,263 6,697 SH SOLE 0 0 6,697
ISHARES TR SELECT US REIT 464287564 605,349 8,904 SH SOLE 0 0 8,904
ISHARES TR SYSTEMATIC BD ET 46435U796 304,631 3,448 SH SOLE 0 0 3,448
JOHNSON & JOHNSON COM 478160104 620,801 2,394 SH SOLE 0 0 2,394
JPMORGAN CHASE & CO COM 46625H100 1,272,769 3,769 SH SOLE 0 0 3,769
KLA CORP COM NEW 482480100 936,040 4,012 SH SOLE 0 0 4,012
LAM RESEARCH CORP COM NEW 512807306 684,177 1,954 SH SOLE 0 0 1,954
LIFE360 INC COM 532206109 532,865 9,393 SH SOLE 0 0 9,393
LINDE PLC SHS G54950103 219,992 407 SH SOLE 0 0 407
MASTERCARD INCORPORATED CL A 57636Q104 1,588,242 2,979 SH SOLE 0 0 2,979
MCDONALDS CORP COM 580135101 2,724,249 9,747 SH SOLE 0 0 9,747
MERCK & CO INC COM 58933Y105 631,872 4,984 SH SOLE 0 0 4,984
META PLATFORMS INC CL A 30303M102 4,249,849 7,080 SH SOLE 0 0 7,080
MICRON TECHNOLOGY INC COM 595112103 1,587,429 1,612 SH SOLE 0 0 1,612
MICROSOFT CORP COM 594918104 5,593,227 14,462 SH SOLE 0 0 14,462
MONSTER BEVERAGE CORP NEW COM 61174X109 220,251 2,262 SH SOLE 0 0 2,262
MORGAN STANLEY COM NEW 617446448 223,433 1,006 SH SOLE 0 0 1,006
NETFLIX INC. COM 64110L106 1,300,221 17,104 SH SOLE 0 0 17,104
NEW JERSEY RES CORP COM 646025106 273,649 4,864 SH SOLE 0 0 4,864
NEWMARKET CORP COM 651587107 272,516 342 SH SOLE 0 0 342
NEXTERA ENERGY INC COM 65339F101 324,780 3,714 SH SOLE 0 0 3,714
NORTHROP GRUMMAN CORP COM 666807102 454,085 829 SH SOLE 0 0 829
NOVO-NORDISK A S ADR 670100205 232,754 4,725 SH SOLE 0 0 4,725
NVIDIA CORPORATION COM 67066G104 4,843,785 24,770 SH SOLE 0 0 24,770
ORACLE CORP COM 68389X105 593,976 4,132 SH SOLE 0 0 4,132
PALANTIR TECHNOLOGIES INC CL A 69608A108 399,608 3,015 SH SOLE 0 0 3,015
PEPSICO INC COM 713448108 271,831 1,897 SH SOLE 0 0 1,897
PHILIP MORRIS INTL INC COM 718172109 321,132 1,738 SH SOLE 0 0 1,738
PROCTER & GAMBLE CO COM 742718109 1,023,496 6,855 SH SOLE 0 0 6,855
RENOVORX INC COM NEW 75989R107 12,583 13,279 SH SOLE 0 0 13,279
ROYAL BK CDA COM 780087102 1,339,634 6,439 SH SOLE 0 0 6,439
RTX CORPORATION COM 75513E101 336,087 1,669 SH SOLE 0 0 1,669
S&P GLOBAL INC COM 78409V104 271,463 607 SH SOLE 0 0 607
SANDISK CORP COM 80004C200 1,922,362 1,102 SH SOLE 0 0 1,102
SCHWAB CHARLES CORP COM 808513105 444,683 4,419 SH SOLE 0 0 4,419
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 239,183 7,627 SH SOLE 0 0 7,627
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,441,305 87,596 SH SOLE 0 0 87,596
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 8,526,435 369,750 SH SOLE 0 0 369,750
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 9,950,601 288,173 SH SOLE 0 0 288,173
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 4,796,431 138,946 SH SOLE 0 0 138,946
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 281,853 9,506 SH SOLE 0 0 9,506
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,728,374 75,599 SH SOLE 0 0 75,599
SCHWAB STRATEGIC TR US TIPS ETF 808524870 403,574 15,345 SH SOLE 0 0 15,345
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 3,736,991 4,304 SH SOLE 0 0 4,304
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 22,023,414 119,973 SH SOLE 0 0 119,973
SPDR SERIES TRUST ST STR P500GRW 78464A409 16,961,882 142,897 SH SOLE 0 0 142,897
SPDR SERIES TRUST ST STR P500VAL 78464A508 3,208,654 51,878 SH SOLE 0 0 51,878
SPDR SERIES TRUST ST STR SP500FF 78468R796 1,215,410 19,715 SH SOLE 0 0 19,715
SPDR SERIES TRUST ST STR SP600 SML 78468R853 2,494,080 43,694 SH SOLE 0 0 43,694
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,354,511 4,465 SH SOLE 0 0 4,465
STRYKER CORPORATION COM 863667101 262,134 807 SH SOLE 0 0 807
SYNOPSYS INC COM 871607107 704,978 1,594 SH SOLE 0 0 1,594
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 556,153 1,231 SH SOLE 0 0 1,231
TESLA INC COM 88160R101 2,670,997 6,363 SH SOLE 0 0 6,363
TEXAS INSTRS INC COM 882508104 481,827 1,588 SH SOLE 0 0 1,588
THE CIGNA GROUP COM 125523100 380,109 1,348 SH SOLE 0 0 1,348
TORONTO DOMINION BK ONT COM NEW 891160509 1,304,963 10,817 SH SOLE 0 0 10,817
TWILIO INC CL A 90138F102 599,851 2,869 SH SOLE 0 0 2,869
UNITEDHEALTH GROUP INC COM 91324P102 321,679 770 SH SOLE 0 0 770
UNITY SOFTWARE INC COM 91332U101 3,396,408 114,550 SH SOLE 0 0 114,550
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 222,382 368 SH SOLE 0 0 368
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 568,626 2,550 SH SOLE 0 0 2,550
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,106,154 39,940 SH SOLE 0 0 39,940
VANGUARD INDEX FDS GROWTH ETF 922908736 72,934,432 841,422 SH SOLE 0 0 841,422
VANGUARD INDEX FDS MID CAP ETF 922908629 2,799,741 34,603 SH SOLE 0 0 34,603
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 311,450 3,203 SH SOLE 0 0 3,203
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 10,413,926 15,079 SH SOLE 0 0 15,079
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,516,172 8,341 SH SOLE 0 0 8,341
VANGUARD INDEX FDS TOTAL STK MKT 922908769 306,931 826 SH SOLE 0 0 826
VANGUARD INDEX FDS VALUE ETF 922908744 67,028,988 305,455 SH SOLE 0 0 305,455
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 384,019 5,085 SH SOLE 0 0 5,085
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 896,641 14,927 SH SOLE 0 0 14,927
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 206,405 4,084 SH SOLE 0 0 4,084
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 247,818 3,143 SH SOLE 0 0 3,143
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,188,760 30,446 SH SOLE 0 0 30,446
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 224,457 3,348 SH SOLE 0 0 3,348
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 588,233 6,155 SH SOLE 0 0 6,155
VANGUARD WORLD FD ESG INTL STK ETF 921910725 287,302 3,480 SH SOLE 0 0 3,480
VANGUARD WORLD FD ESG US STK ETF 921910733 3,480,949 26,153 SH SOLE 0 0 26,153
VANGUARD WORLD FD INF TECH ETF 92204A702 3,265,029 28,057 SH SOLE 0 0 28,057
VERIZON COMMUNICATIONS INC COM 92343V104 243,838 5,796 SH SOLE 0 0 5,796
VISA INC COM CL A 92826C839 1,332,185 3,729 SH SOLE 0 0 3,729
WALMART INC COM 931142103 686,141 6,201 SH SOLE 0 0 6,201
WELLS FARGO & CO COM 949746101 295,267 3,376 SH SOLE 0 0 3,376
WIPRO LTD SPON ADR 1 SH 97651M109 22,801 12,392 SH SOLE 0 0 12,392
ZIFF DAVIS INC COM 48123V102 229,963 4,276 SH SOLE 0 0 4,276