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
AB ACTIVE ETFS INC CALIF INTER ETF 00039J772 269,391 10,707 SH SOLE 0 0 10,707
ABBOTT LABORATORIES COM 002824100 368,085 4,056 SH SOLE 0 0 4,056
ADVANCED MICRO DEVICES INC COM 007903107 10,844,428 18,668 SH SOLE 0 0 18,668
ALPHABET INC CAP STK CL A 02079K305 1,105,808 3,094 SH SOLE 0 0 3,094
ALPHABET INC CAP STK CL C 02079K107 1,183,258 3,349 SH SOLE 0 0 3,349
AMAZON COM INC COM 023135106 2,735,434 11,477 SH SOLE 0 0 11,477
AMERICAN EXPRESS CO COM 025816109 685,633 2,027 SH SOLE 0 0 2,027
AMGEN INC COM 031162100 896,061 2,474 SH SOLE 0 0 2,474
APPLE INC COM 037833100 15,060,946 52,049 SH SOLE 0 0 52,049
APPLIED MATLS INC COM 038222105 1,698,869 2,350 SH SOLE 0 0 2,350
AT&T INC COM 00206R102 289,911 14,005 SH SOLE 0 0 14,005
AUTOLIV INC COM 052800109 963,979 8,298 SH SOLE 0 0 8,298
AUTOMATIC DATA PROCESSING IN COM 053015103 663,540 2,963 SH SOLE 0 0 2,963
BANK OF AMER CORP COM 060505104 362,262 6,358 SH SOLE 0 0 6,358
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,497,700 2 SH SOLE 0 0 2
BLACKROCK ETF TRUST II ISHA SH TERM ETF 092528884 470,656 9,313 SH SOLE 0 0 9,313
BLOOM ENERGY CORP COM CL A 093712107 282,722 934 SH SOLE 0 0 934
BOEING CO COM 097023105 473,341 2,187 SH SOLE 0 0 2,187
BROADCOM INC COM 11135F101 263,292 697 SH SOLE 0 0 697
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 26,579,364 539,351 SH SOLE 0 0 539,351
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 103,626,677 3,791,682 SH SOLE 0 0 3,791,682
CARRIER GLOBAL CORPORATION COM 14448C104 339,944 4,635 SH SOLE 0 0 4,635
CATERPILLAR INC COM 149123101 2,068,213 1,942 SH SOLE 0 0 1,942
CHEVRON CORPORATION COM 166764100 3,155,590 19,037 SH SOLE 0 0 19,037
CISCO SYS INC COM 17275R102 674,318 5,741 SH SOLE 0 0 5,741
COCA COLA CO COM 191216100 512,917 6,311 SH SOLE 0 0 6,311
CONOCOPHILLIPS COM 20825C104 275,838 2,653 SH SOLE 0 0 2,653
COSTCO WHOLESALE CORPORATION COM 22160K105 1,153,544 1,233 SH SOLE 0 0 1,233
DAILY JOURNAL CORP COM 233912104 569,327 947 SH SOLE 0 0 947
DUKE ENERGY CORP NEW COM NEW 26441C204 308,729 2,439 SH SOLE 0 0 2,439
EATON CORP PLC SHS G29183103 1,254,171 2,943 SH SOLE 0 0 2,943
ELI LILLY & CO COM 532457108 668,367 557 SH SOLE 0 0 557
ENTERPRISE PRODS PARTNERS L COM 293792107 310,291 8,441 SH SOLE 0 0 8,441
EXTREME NETWORKS INC COM 30226D106 7,099,000 219,308 SH SOLE 0 0 219,308
FIRST TR EXCHANGE TRADED FD SMID RISNG ETF 33741X102 3,747,596 86,871 SH SOLE 0 0 86,871
GE AEROSPACE COM NEW 369604301 501,141 1,341 SH SOLE 0 0 1,341
GE VERNOVA INC COM 36828A101 407,687 347 SH SOLE 0 0 347
GLOBAL X FDS US INFR DEV ETF 37954Y673 7,563,564 128,370 SH SOLE 0 0 128,370
GOLDMAN SACHS GROUP INC COM 38141G104 290,277 287 SH SOLE 0 0 287
HEWLETT PACKARD ENTERPRISE C COM 42824C109 230,738 5,115 SH SOLE 0 0 5,115
HOME DEPOT INC COM 437076102 702,823 1,993 SH SOLE 0 0 1,993
INTEL CORP COM 458140100 919,116 6,583 SH SOLE 0 0 6,583
INTERNATIONAL BUSINESS MACHS COM 459200101 507,127 1,803 SH SOLE 0 0 1,803
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 401,923 1,889 SH SOLE 0 0 1,889
INVESCO QQQ TR UNIT SER 1 46090E103 906,354 1,231 SH SOLE 0 0 1,231
ISHARES INC CORE MSCI EMKT 46434G103 234,603 2,832 SH SOLE 0 0 2,832
ISHARES INC ESG AWR MSCI EM 46434G863 700,283 12,805 SH SOLE 0 0 12,805
ISHARES INC MSCI EMRG CHN 46434G764 4,067,570 39,761 SH SOLE 0 0 39,761
ISHARES TR MSCI USA MIN ETF 46429B697 241,150 2,500 SH SOLE 0 0 2,500
ISHARES TR CORE S&P500 ETF 464287200 3,670,875 4,902 SH SOLE 0 0 4,902
ISHARES TR ESG SELECT SCRE 46436E551 289,202 5,546 SH SOLE 0 0 5,546
ISHARES TR U.S. TECH ETF 464287721 217,627 863 SH SOLE 0 0 863
ISHARES TR SELECT DIVID ETF 464287168 918,920 5,879 SH SOLE 0 0 5,879
ISHARES TR RUS 1000 GRW ETF 464287614 740,840 5,966 SH SOLE 0 0 5,966
ISHARES TR ESG MSCI KLD ETF 464288570 264,483 1,857 SH SOLE 0 0 1,857
ISHARES TR ESG AW MSCI EAFE 46435G516 706,036 6,867 SH SOLE 0 0 6,867
ISHARES TR CORE DIV GRWTH 46434V621 520,686 6,870 SH SOLE 0 0 6,870
ISHARES TR S&P 100 ETF 464287101 244,026 667 SH SOLE 0 0 667
ISHARES TR ESG AWR MSCI USA 46435G425 231,599 1,415 SH SOLE 0 0 1,415
ISHARES TR INTL SEL DIV ETF 464288448 359,480 8,677 SH SOLE 0 0 8,677
ISHARES TR 0-3 MTH TREASURY 46436E718 2,575,847 25,587 SH SOLE 0 0 25,587
ISHARES TR RUS 1000 VAL ETF 464287598 1,418,281 5,850 SH SOLE 0 0 5,850
ISHARES TR S&P 500 GRWT ETF 464287309 4,429,853 32,210 SH SOLE 0 0 32,210
ISHARES TR MSCI USA QLT FCT 46432F339 8,602,754 39,205 SH SOLE 0 0 39,205
ISHARES TR CORE MSCI EAFE 46432F842 3,792,972 39,273 SH SOLE 0 0 39,273
ISHARES TR CORE S&P SCP ETF 464287804 6,331,030 42,688 SH SOLE 0 0 42,688
ISHARES TR MSCI EMG MKT ETF 464287234 5,092,232 74,437 SH SOLE 0 0 74,437
ISHARES TR MSCI EAFE ETF 464287465 9,373,459 90,234 SH SOLE 0 0 90,234
ISHARES TR EAFE VALUE ETF 464288877 8,568,854 111,938 SH SOLE 0 0 111,938
ISHARES TR 0-5 YR TIPS ETF 46429B747 26,437,888 258,789 SH SOLE 0 0 258,789
ISHARES TR TRS FLT RT BD 46434V860 13,682,545 270,246 SH SOLE 0 0 270,246
ISHARES TR RUS 2000 VAL ETF 464287630 338,678 1,531 SH SOLE 0 0 1,531
ISHARES TR ULTRA SHORT DUR 46434V878 37,569,810 742,780 SH SOLE 0 0 742,780
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 285,450 5,054 SH SOLE 0 0 5,054
JOHNSON & JOHNSON COM 478160104 1,317,620 5,188 SH SOLE 0 0 5,188
JPMORGAN CHASE & CO COM 46625H100 1,067,906 3,262 SH SOLE 0 0 3,262
LOCKHEED MARTIN CORP COM 539830109 300,141 589 SH SOLE 0 0 589
MCDONALDS CORP COM 580135101 450,067 1,665 SH SOLE 0 0 1,665
MERCK & CO INC COM 58933Y105 998,004 7,767 SH SOLE 0 0 7,767
META PLATFORMS INC CL A 30303M102 1,436,457 2,550 SH SOLE 0 0 2,550
MICROSOFT CORP COM 594918104 5,536,636 14,843 SH SOLE 0 0 14,843
MISSION PRODUCE INC COM 60510V108 311,068 26,384 SH SOLE 0 0 26,384
NETFLIX INC. COM 64110L106 223,482 3,130 SH SOLE 0 0 3,130
NORTHROP GRUMMAN CORP COM 666807102 2,649,144 5,201 SH SOLE 0 0 5,201
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 382,040 7,330 SH SOLE 0 0 7,330
NVIDIA CORPORATION COM 67066G104 2,881,508 14,401 SH SOLE 0 0 14,401
PEPSICO INC COM 713448108 444,958 3,286 SH SOLE 0 0 3,286
PHILLIPS 66 COM 718546104 411,978 2,437 SH SOLE 0 0 2,437
PIMCO ETF TR ENHANCD SHORT 72201R643 865,559 8,748 SH SOLE 0 0 8,748
PROCTER & GAMBLE CO COM 742718109 545,612 3,721 SH SOLE 0 0 3,721
QUALCOMM INC COM 747525103 271,796 1,471 SH SOLE 0 0 1,471
RTX CORPORATION COM 75513E101 1,024,162 5,398 SH SOLE 0 0 5,398
SALESFORCE INC COM 79466L302 264,015 1,685 SH SOLE 0 0 1,685
SCHWAB CHARLES CORP COM 808513105 1,058,511 11,472 SH SOLE 0 0 11,472
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 27,686,944 873,130 SH SOLE 0 0 873,130
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 6,669,926 214,467 SH SOLE 0 0 214,467
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 346,412 9,588 SH SOLE 0 0 9,588
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,655,058 90,216 SH SOLE 0 0 90,216
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 5,270,053 138,467 SH SOLE 0 0 138,467
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,768,916 47,977 SH SOLE 0 0 47,977
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 13,176,803 475,697 SH SOLE 0 0 475,697
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 58,064,366 1,100,538 SH SOLE 0 0 1,100,538
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 369,771 1,941 SH SOLE 0 0 1,941
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 21,322,525 397,734 SH SOLE 0 0 397,734
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 3,699,907 44,540 SH SOLE 0 0 44,540
SNAP ON INC COM 833034101 201,200 500 SH SOLE 0 0 500
SPDR GOLD TR GOLD SHS 78463V107 751,982 2,041 SH SOLE 0 0 2,041
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 328,846 6,526 SH SOLE 0 0 6,526
SPDR SERIES TRUST ST STR P500ETF 78464A854 21,761,314 247,625 SH SOLE 0 0 247,625
SPDR SERIES TRUST ST STR P500VAL 78464A508 302,005 4,968 SH SOLE 0 0 4,968
SPDR SERIES TRUST SP KENSHO NEWEC 78468R648 203,598 2,848 SH SOLE 0 0 2,848
SPDR SERIES TRUST ST STR P500GRW 78464A409 296,167 2,489 SH SOLE 0 0 2,489
STARBUCKS CORP COM 855244109 291,957 2,857 SH SOLE 0 0 2,857
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,557,711 2,086 SH SOLE 0 0 2,086
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 1,192,729 1,696 SH SOLE 0 0 1,696
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 1,050,720 2,200 SH SOLE 0 0 2,200
TESLA INC COM 88160R101 268,343 638 SH SOLE 0 0 638
UNILEVER PLC SPON ADR NEW 904767803 230,962 3,842 SH SOLE 0 0 3,842
UNION PAC CORP COM 907818108 263,024 967 SH SOLE 0 0 967
UPSTART HLDGS INC COM 91680M107 411,874 11,625 SH SOLE 0 0 11,625
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 20,531,932 412,453 SH SOLE 0 0 412,453
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 452,700 4,500 SH SOLE 0 0 4,500
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,860,902 4,165 SH SOLE 0 0 4,165
VANGUARD INDEX FDS MID CAP ETF 922908629 7,133,471 88,538 SH SOLE 0 0 88,538
VANGUARD INDEX FDS VALUE ETF 922908744 333,952 1,532 SH SOLE 0 0 1,532
VANGUARD INDEX FDS SML CP GRW ETF 922908595 437,909 1,197 SH SOLE 0 0 1,197
VANGUARD INDEX FDS GROWTH ETF 922908736 1,077,975 12,514 SH SOLE 0 0 12,514
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 8,725,896 44,159 SH SOLE 0 0 44,159
VANGUARD INDEX FDS SM CP VAL ETF 922908611 13,434,981 55,290 SH SOLE 0 0 55,290
VANGUARD INDEX FDS SMALL CP ETF 922908751 10,981,390 36,228 SH SOLE 0 0 36,228
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,083,230 2,927 SH SOLE 0 0 2,927
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 512,462 6,200 SH SOLE 0 0 6,200
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 27,802,072 117,497 SH SOLE 0 0 117,497
VANGUARD STAR FDS VG TL INTL STK F 921909768 332,670 3,891 SH SOLE 0 0 3,891
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,024,705 14,382 SH SOLE 0 0 14,382
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 40,290,853 431,472 SH SOLE 0 0 431,472
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 40,800,620 415,485 SH SOLE 0 0 415,485
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,815,243 17,815 SH SOLE 0 0 17,815
VANGUARD WORLD FD ESG INTL STK ETF 921910725 1,079,903 13,115 SH SOLE 0 0 13,115
VANGUARD WORLD FD MEGA CAP INDEX 921910873 16,126,104 58,934 SH SOLE 0 0 58,934
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 18,366,288 50,964 SH SOLE 0 0 50,964
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 32,205,694 197,037 SH SOLE 0 0 197,037
VANGUARD WORLD FD ENERGY ETF 92204A306 463,945 3,090 SH SOLE 0 0 3,090
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 26,531,738 88,732 SH SOLE 0 0 88,732
VERIZON COMMUNICATIONS INC COM 92343V104 432,411 10,213 SH SOLE 0 0 10,213
VISA INC COM CL A 92826C839 1,139,889 3,322 SH SOLE 0 0 3,322
WALMART INC COM 931142103 657,395 5,804 SH SOLE 0 0 5,804
WELLS FARGO & CO COM 949746101 661,534 8,005 SH SOLE 0 0 8,005
WORKDAY INC CL A 98138H101 1,737,263 14,191 SH SOLE 0 0 14,191
WW GRAINGER INC COM 384802104 233,989 172 SH SOLE 0 0 172