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 48,573 300 SH SOLE 0 0 300
ABBOTT LABS COM 002824100 11,978 132 SH SOLE 0 0 132
ABBVIE INC COM 00287Y109 60,521 241 SH SOLE 0 0 241
ALPHABET INC CLASS C COM 02079K107 150,165 425 SH SOLE 0 0 425
AMAZON.COM INC COM 023135106 33,368 140 SH SOLE 0 0 140
AMGEN INC COM 031162100 112,619 311 SH SOLE 0 0 311
AMPHENOL CORP NEW CLASS A COM 032095101 5,642 32 SH SOLE 0 0 32
APPLE INC COM 037833100 2,934,110 10,140 SH SOLE 0 0 10,140
ASML HOLDING N V N Y REGISTRY SHS N07059210 51,725 26 SH SOLE 0 0 26
AT&T INC COM 00206R102 81,724 3,948 SH SOLE 0 0 3,948
AVANTIS EMERGING MARKETS EQUITY ETF SHARES 025072604 310,794 3,221 SH SOLE 0 0 3,221
BANK OF AMERICA CORP COM 060505104 65,242 1,145 SH SOLE 0 0 1,145
BECTON DICKINSON & CO COM 075887109 7,566 50 SH SOLE 0 0 50
BROADCOM INC COM 11135F101 1,133 3 SH SOLE 0 0 3
CAL-BAY INTL INC COM 12802P307 0 1 SH SOLE 0 0 1
CATERPILLAR INC COM 149123101 483,465 454 SH SOLE 0 0 454
CHEVRON CORP NEW COM 166764100 55,695 336 SH SOLE 0 0 336
CISCO SYS INC COM 17275R102 492,275 4,191 SH SOLE 0 0 4,191
COLGATE PALMOLIVE CO COM 194162103 27,504 300 SH SOLE 0 0 300
COMCAST CORP NEW CLASS A COM 20030N101 1,170 48 SH SOLE 0 0 48
CROWDSTRIKE HOLDINGS INC COM 22788C105 8,395 11 SH SOLE 0 0 11
DAQO NEW ENERGY CORP SHARES 23703Q203 40 3 SH SOLE 0 0 3
WALT DISNEY CO COM 254687106 27,335 284 SH SOLE 0 0 284
DOMINION ENERGY INC COM 25746U109 19,736 289 SH SOLE 0 0 289
DUKE ENERGY CORP NEW COM 26441C204 44,050 348 SH SOLE 0 0 348
EDWARDS LIFESCIENCES CORP COM 28176E108 65,131 720 SH SOLE 0 0 720
EMERSON ELEC CO COM 291011104 109,510 765 SH SOLE 0 0 765
EXXON MOBIL CORP COM 30231G102 113,888 833 SH SOLE 0 0 833
FIRST TRUST DOW JONES INTERNET INDEX FUND SHARES 33733E302 88,152 333 SH SOLE 0 0 333
FIRST TRUST NASDAQ ARTIFICIAL INTELLIGENCE AND ROBOTICS ETF SHARES 33738R720 6,695 119 SH SOLE 0 0 119
FIRST TRUST NYSE ARCA BIOTECHNOLOGY INDEX FUND SHARES 33733E203 73,623 297 SH SOLE 0 0 297
FIRST TRUST UTILITIES ALPHADEX FUND SHARES 33734X184 68,977 1,398 SH SOLE 0 0 1,398
FLEXSHARES INTERNATIONAL QUALITY DIVIDEND INDEX FUND SHARES 33939L837 200,724 5,808 SH SOLE 0 0 5,808
FRANKLIN FTSE INDIA ETF SHARES 35473P769 940,826 26,450 SH SOLE 0 0 26,450
GE VERNOVA INC COM 36828A101 14,098 12 SH SOLE 0 0 12
GENERAL MTRS CO COM 37045V100 20,812 270 SH SOLE 0 0 270
HOME DEPOT INC COM 437076102 181,278 514 SH SOLE 0 0 514
IBM CORP COM 459200101 86,050 306 SH SOLE 0 0 306
IMGP DBI MANAGED FUTURES STRATEGY ETF SHARES 53700T827 4,781,527 156,208 SH SOLE 0 0 156,208
INVESCO BUYBACK ACHIEVERS ETF SHARES 46137V308 12,183 86 SH SOLE 0 0 86
INVESCO PHARMACEUTICALS ETF SHARES 46137V662 33,639 284 SH SOLE 0 0 284
INVESCO QQQ TR SHARES 46090E103 170,845 232 SH SOLE 0 0 232
INVESCO RAFI US 1000 ETF SHARES 46137V613 23,719 439 SH SOLE 0 0 439
INVESCO S&P 500 QUALITY ETF SHARES 46137V241 4,954,058 54,984 SH SOLE 0 0 54,984
INVESCO VARIABLE RATE PREFERRED ETF SHARES 46138G870 4,132,457 169,990 SH SOLE 0 0 169,990
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF SHARES 464288646 10,130,591 193,295 SH SOLE 0 0 193,295
ISHARES BIOTECHNOLOGY ETF SHARES 464287556 12,933 68 SH SOLE 0 0 68
ISHARES CONVERTIBLE BOND ETF SHARES 46435G102 4,845,617 39,803 SH SOLE 0 0 39,803
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF SHARES 46435G672 2,896,850 57,250 SH SOLE 0 0 57,250
ISHARES CORE S&P SMALL-CAP ETF SHARES 464287804 109,008 735 SH SOLE 0 0 735
ISHARES CORE S&P 500 ETF SHARES 464287200 582,636 778 SH SOLE 0 0 778
ISHARES CORE S&P MID-CAP ETF SHARES 464287507 82,199 1,066 SH SOLE 0 0 1,066
ISHARES CORE S&P U.S. GROWTH ETF SHARES 464287671 357,183 1,899 SH SOLE 0 0 1,899
ISHARES CORE S&P U.S. VALUE ETF SHARES 464287663 354,903 3,222 SH SOLE 0 0 3,222
ISHARES CORE UNIVERSAL USD BOND ETF SHARES 46434V613 2,831,810 61,361 SH SOLE 0 0 61,361
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF SHARES 46435U663 5,649 101 SH SOLE 0 0 101
ISHARES ESG OPTIMIZED MSCI USA ETF SHARES 464288802 7,869 51 SH SOLE 0 0 51
ISHARES ESG USD CORPORATE BOND ETF SHARES 46435G193 30,490 1,317 SH SOLE 0 0 1,317
ISHARES FALLEN ANGELS USD BOND ETF SHARES 46435G474 115,062 4,224 SH SOLE 0 0 4,224
ISHARES GLOBAL INFRASTRUCTURE ETF SHARES 464288372 63,536 954 SH SOLE 0 0 954
ISHARES GLOBAL EQUITY FACTOR ETF SHARES 46434V316 185,198 3,149 SH SOLE 0 0 3,149
ISHARES GSCI COMMODITY DYNAMIC ROLL STRATEGY ETF SHARES 46431W853 30 1 SH SOLE 0 0 1
ISHARES LOW CARBON OPTIMIZED MSCI ACWI ETF SHARES 46434V464 8,601 34 SH SOLE 0 0 34
ISHARES MBS ETF SHARES 464288588 5,766 61 SH SOLE 0 0 61
ISHARES MSCI EAFE ETF SHARES 464287465 190,620 1,835 SH SOLE 0 0 1,835
ISHARES MSCI USA MOMENTUM FACTOR ETF SHARES 46432F396 287,634 839 SH SOLE 0 0 839
ISHARES RUSSELL 1000 GROWTH ETF SHARES 464287614 496,928 4,002 SH SOLE 0 0 4,002
ISHARES RUSSELL 2000 VALUE ETF SHARES 464287630 14,157 64 SH SOLE 0 0 64
ISHARES RUSSELL MID-CAP ETF SHARES 464287499 107,231 972 SH SOLE 0 0 972
ISHARES S&P MID-CAP 400 GROWTH ETF SHARES 464287606 12,102 103 SH SOLE 0 0 103
ISHARES SELECT DIVIDEND ETF SHARES 464287168 164,740 1,054 SH SOLE 0 0 1,054
ISHARES SHORT-TERM CALIFORNIA MUNI ACTIVE ETF SHARES 092528884 513,789 10,167 SH SOLE 0 0 10,167
ISHARES U.S. ENERGY ETF SHARES 464287796 57 1 SH SOLE 0 0 1
ISHARES U.S. TREASURY BOND ETF SHARES 46429B267 9,568 420 SH SOLE 0 0 420
ISHARES ULTRA SHORT DURATION BOND ACTIVE ETF SHARES 46434V878 3,217,191 63,606 SH SOLE 0 0 63,606
JOHNSON & JOHNSON COM 478160104 169,144 666 SH SOLE 0 0 666
JPMORGAN CHASE & CO COM 46625H100 95,580 292 SH SOLE 0 0 292
JPMORGAN INTERNATIONAL BOND OPPORTUNITIES ETF SHARES 46641Q852 5,286,444 109,337 SH SOLE 0 0 109,337
LOCKHEED MARTIN CORP COM 539830109 168,122 330 SH SOLE 0 0 330
MCDONALDS CORP COM 580135101 76,227 282 SH SOLE 0 0 282
MERCK & CO. INC. COM 58933Y105 122,075 950 SH SOLE 0 0 950
MICRON TECHNOLOGY INC COM 595112103 31,166 27 SH SOLE 0 0 27
MICROSOFT CORP COM 594918104 121,232 325 SH SOLE 0 0 325
NEXTERA ENERGY INC COM 65339F101 235,399 2,682 SH SOLE 0 0 2,682
NOVO NORDISK A/S SHARES 670100205 242,672 5,062 SH SOLE 0 0 5,062
NUVEEN CA QUALITY MUNI I SHARES 67066Y105 5,963 492 SH SOLE 0 0 492
NUVEEN ESG INTERNATIONAL DEVELOPED MARKETS EQUITY ETF SHARES 67092P805 9,485 237 SH SOLE 0 0 237
NUVEEN ESG LARGE-CAP VALUE ETF SHARES 67092P300 11,298 226 SH SOLE 0 0 226
NVIDIA CORP COM 67066G104 92,041 460 SH SOLE 0 0 460
PEPSICO INC COM 713448108 49,556 366 SH SOLE 0 0 366
PHILIP MORRIS INTL INC COM 718172109 50,474 279 SH SOLE 0 0 279
PHILLIPS 66 COM 718546104 8,452 50 SH SOLE 0 0 50
PIMCO ACTIVE BOND EXCHANGE-TRADED FUND SHARES 72201R775 11,803 128 SH SOLE 0 0 128
PROCTER & GAMBLE CO COM 742718109 118,778 810 SH SOLE 0 0 810
ROCK RIDGE RES INC COM 77267T102 0 5 SH SOLE 0 0 5
SCHWAB U.S. TIPS ETF SHARES 808524870 491,681 18,554 SH SOLE 0 0 18,554
STATE STREET SPDR BLOOMBERG 1-3 MONTH T-BILL ETF SHARES 78468R663 25,568 279 SH SOLE 0 0 279
STATE STREET SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF SHARES 78464A359 57,792 536 SH SOLE 0 0 536
STATE STREET SPDR PORTFOLIO AGGREGATE BOND ETF SHARES 78464A649 7,248 284 SH SOLE 0 0 284
STATE STREET SPDR PORTFOLIO EMERGING MARKETS ETF SHARES 78463X509 2,749,311 53,096 SH SOLE 0 0 53,096
STATE STREET SPDR PORTFOLIO S&P 500 ETF SHARES 78464A854 8,344,030 94,948 SH SOLE 0 0 94,948
STATE STREET SPDR PORTFOLIO S&P 500 GROWTH ETF SHARES 78464A409 675,268 5,675 SH SOLE 0 0 5,675
STATE STREET SPDR PORTFOLIO S&P 600 SMALL CAP ETF SHARES 78468R853 1,666,432 28,896 SH SOLE 0 0 28,896
STATE STREET SPDR PORTFOLIO SHORT TERM TREASURY ETF SHARES 78468R101 108,004 3,723 SH SOLE 0 0 3,723
STATE STREET SPDR S&P 400 MID CAP GROWTH ETF SHARES 78464A821 213,531 1,905 SH SOLE 0 0 1,905
STATE STREET SPDR S&P 500 ETF TRUST SHARES 78462F103 216,563 290 SH SOLE 0 0 290
STATE STREET SPDR S&P 500 FOSSIL FUEL RESERVES FREE ETF SHARES 78468R796 11,548 189 SH SOLE 0 0 189
STATE STREET SPDR S&P 600 SMALL CAP GROWTH ETF SHARES 78464A201 111,506 936 SH SOLE 0 0 936
STATE STREET SPDR S&P AEROSPACE & DEFENSE ETF SHARES 78464A631 16,460 58 SH SOLE 0 0 58
STATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF SHARES 81369Y803 117,741 618 SH SOLE 0 0 618
THE CIGNA GROUP COM 125523100 30,325 110 SH SOLE 0 0 110
THE COCA-COLA CO COM 191216100 16,254 200 SH SOLE 0 0 200
TJX COS INC NEW COM 872540109 582,366 3,844 SH SOLE 0 0 3,844
TURBODYNE TECHNOLOGIES INC COM 899905103 0 200 SH SOLE 0 0 200
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND ETF SHARES SHARES 921937819 8,092,387 105,507 SH SOLE 0 0 105,507
VANGUARD ESG U.S. CORPORATE BOND ETF SHARES 921910691 28,995 462 SH SOLE 0 0 462
VANGUARD EXTENDED MARKET INDEX FUND ETF SHARES SHARES 922908652 24,375 99 SH SOLE 0 0 99
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF SHARES SHARES 922042775 23,450 280 SH SOLE 0 0 280
VANGUARD FTSE DEVELOPED MARKETS INDEX FUND ETF SHARES SHARES 921943858 12,139,753 170,383 SH SOLE 0 0 170,383
VANGUARD FTSE EMERGING MARKETS INDEX FUND ETF SHARES SHARES 922042858 77,119 1,292 SH SOLE 0 0 1,292
VANGUARD FTSE EUROPE ETF SHARES 922042874 228,522 2,581 SH SOLE 0 0 2,581
VANGUARD GROWTH INDEX FUND ETF SHARES SHARES 922908736 2,008,053 23,312 SH SOLE 0 0 23,312
VANGUARD HIGH DIVIDEND YIELD INDEX FUND ETF SHARES SHARES 921946406 344,505 2,180 SH SOLE 0 0 2,180
VANGUARD INTER-TERM TREAS INDEX FD SHARES 92206C706 18,992 322 SH SOLE 0 0 322
VANGUARD LONG-TERM TREAS INDEX FD ETF SHS SHARES 92206C847 422,072 7,649 SH SOLE 0 0 7,649
VANGUARD MEGA CAP GROWTH INDEX FUND ETF SHARES SHARES 921910816 7,472 85 SH SOLE 0 0 85
VANGUARD MID-CAP VALUE INDEX FUND ETF SHARES SHARES 922908512 134,170 679 SH SOLE 0 0 679
VANGUARD RUSSELL 1000 GROWTH INDEX FUND ETF SHARES SHARES 92206C680 264,439 2,069 SH SOLE 0 0 2,069
VANGUARD S&P 500 GROWTH INDEX FUND ETF SHARES SHARES 921932505 1,568,210 18,981 SH SOLE 0 0 18,981
VANGUARD SHORT TERM CORP BD ETF SHARES 92206C409 174,735 2,211 SH SOLE 0 0 2,211
VANGUARD SHORT-TERM BOND INDEX FUND ETF SHARES SHARES 921937827 156 2 SH SOLE 0 0 2
VANGUARD SMALL-CAP INDEX FUND ETF SHARES SHARES 922908751 1,498,322 4,943 SH SOLE 0 0 4,943
VANGUARD SMALL-CAP VALUE INDEX FUND ETF SHARES SHARES 922908611 294,018 1,210 SH SOLE 0 0 1,210
VANGUARD TOTAL INTERNATIONAL BOND INDEX FUND ETF SHARES SHARES 92203J407 17,532 362 SH SOLE 0 0 362
VANGUARD TOTAL BOND MARKET INDEX FUND ETF SHARES SHARES 921937835 145,278 1,979 SH SOLE 0 0 1,979
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF SHARES SHARES 922908769 43,665 118 SH SOLE 0 0 118
VANGUARD TOTAL WORLD BOND ETF SHARES 92206C565 137 2 SH SOLE 0 0 2
VANGUARD VALUE INDEX FUND ETF SHARES SHARES 922908744 4,809,327 22,068 SH SOLE 0 0 22,068
VERIZON COMMUNICATIONS INC COM 92343V104 5,589 132 SH SOLE 0 0 132
XPLR INFRASTRUCTURE L LP SHARES 65341B106 24 2 SH SOLE 0 0 2
XTRACKERS EMERGING MARKETS CARBON REDUCTION AND CLIMATE IMPROVERS ETF SHARES 233051192 6,749 151 SH SOLE 0 0 151