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
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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 416,778 1,646 SH SOLE 0 0 1,646
ALPHABET INC CAP STK CL A 02079K305 771,586 2,159 SH SOLE 0 0 2,159
AMAZON COM INC COM 023135106 373,240 1,566 SH SOLE 0 0 1,566
APPLE INC COM 037833100 776,093 2,553 SH SOLE 0 0 2,553
APPLIED MATLS INC COM 038222105 276,186 382 SH SOLE 0 0 382
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 771,101 1,541 SH SOLE 0 0 1,541
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 241,436 3,550 SH SOLE 0 0 3,550
BROADCOM INC COM 11135F101 407,592 1,079 SH SOLE 0 0 1,079
CAPITAL GROUP INTL FOCUS EQT SHS CREAT UNIT 14019W109 240,297 6,941 SH SOLE 0 0 6,941
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 534,578 10,342 SH SOLE 0 0 10,342
EXXON MOBIL CORP COM 30231G102 206,584 1,511 SH SOLE 0 0 1,511
HOME DEPOT INC COM 437076102 227,926 648 SH SOLE 0 0 648
ISHARES TR 0-3 MTH TREASURY 46436E718 476,831 4,737 SH SOLE 0 0 4,737
ISHARES TR CORE MSCI TOTAL 46432F834 1,926,040 20,181 SH SOLE 0 0 20,181
ISHARES TR CORE S&P MCP ETF 464287507 905,834 11,914 SH SOLE 0 0 11,914
ISHARES TR CORE S&P TTL STK 464287150 3,998,896 24,361 SH SOLE 0 0 24,361
ISHARES TR CORE S&P500 ETF 464287200 547,635 731 SH SOLE 0 0 731
ISHARES TR RUS MID CAP ETF 464287499 1,660,978 15,056 SH SOLE 0 0 15,056
ISHARES TR RUSSELL 2000 ETF 464287655 271,008 924 SH SOLE 0 0 924
JOHNSON & JOHNSON COM 478160104 505,609 1,950 SH SOLE 0 0 1,950
JPMORGAN CHASE & CO COM 46625H100 349,102 1,065 SH SOLE 0 0 1,065
MICRON TECHNOLOGY INC COM 595112103 892,266 773 SH SOLE 0 0 773
MICROSOFT CORP COM 594918104 840,650 2,254 SH SOLE 0 0 2,254
NORFOLK SOUTHN CORP COM 655844108 251,672 800 SH SOLE 0 0 800
NVIDIA CORPORATION COM 67066G104 695,981 3,478 SH SOLE 0 0 3,478
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 256,855 8,259 SH SOLE 0 0 8,259
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,419,504 118,077 SH SOLE 0 0 118,077
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 230,295 7,263 SH SOLE 0 0 7,263
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 931,432 25,780 SH SOLE 0 0 25,780
SPDR SERIES TRUST ST STR PR SP1500 78464A805 243,317 2,680 SH SOLE 0 0 2,680
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 6,064,768 8,138 SH SOLE 0 0 8,138
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 601,340 8,724 SH SOLE 0 0 8,724
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 27,794,523 378,971 SH SOLE 0 0 378,971
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 3,558,163 35,370 SH SOLE 0 0 35,370
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 25,284,170 522,481 SH SOLE 0 0 522,481
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 10,202,089 41,698 SH SOLE 0 0 41,698
VANGUARD INDEX FDS GROWTH ETF 922908736 1,515,200 17,590 SH SOLE 0 0 17,590
VANGUARD INDEX FDS MID CAP ETF 922908629 695,584 8,633 SH SOLE 0 0 8,633
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 239,899 2,488 SH SOLE 0 0 2,488
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 15,885,366 23,198 SH SOLE 0 0 23,198
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,417,423 4,676 SH SOLE 0 0 4,676
VANGUARD INDEX FDS TOTAL STK MKT 922908769 109,363,998 296,405 SH SOLE 0 0 296,405
VANGUARD INDEX FDS VALUE ETF 922908744 6,910,270 31,709 SH SOLE 0 0 31,709
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 2,593,806 34,273 SH SOLE 0 0 34,273
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 38,395,390 462,478 SH SOLE 0 0 462,478
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 602,058 10,086 SH SOLE 0 0 10,086
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 310,868 3,511 SH SOLE 0 0 3,511
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 286,970 2,481 SH SOLE 0 0 2,481
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 482,803 4,782 SH SOLE 0 0 4,782
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 27,722,551 551,562 SH SOLE 0 0 551,562
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 21,124,754 255,861 SH SOLE 0 0 255,861
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 11,688,753 147,957 SH SOLE 0 0 147,957
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 210,967 3,078 SH SOLE 0 0 3,078
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,320,798 5,582 SH SOLE 0 0 5,582
VANGUARD STAR FDS VG TL INTL STK F 921909768 84,706,715 995,284 SH SOLE 0 0 995,284
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 5,153,070 72,323 SH SOLE 0 0 72,323
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,983,050 12,549 SH SOLE 0 0 12,549
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 572,749 5,832 SH SOLE 0 0 5,832