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 261,066 1,612 SH SOLE 1,600 0 12
ABBVIE INC COM 00287Y109 1,116,556 4,437 SH SOLE 606 0 3,831
AGNC INVT CORP COM 00123Q104 210,360 19,299 SH SOLE 8,315 0 10,984
ALPHABET INC CAP STK CL A 02079K305 7,138,735 19,976 SH SOLE 4,047 0 15,929
ALPHABET INC CAP STK CL C 02079K107 4,815,624 13,629 SH SOLE 3,120 0 10,509
AMAZON COM INC COM 023135106 553,188 2,321 SH SOLE 0 0 2,321
AMERICAN ELEC PWR CO INC COM 025537101 361,589 2,643 SH SOLE 2,600 0 43
AMERICAN EXPRESS CO COM 025816109 566,726 1,675 SH SOLE 0 0 1,675
AMERICAN TOWER CORP COM 03027X100 584,750 3,575 SH SOLE 209 0 3,366
APPLE INC COM 037833100 15,934,902 55,070 SH SOLE 12,951 0 42,119
ARISTA NETWORKS INC COM SHS 040413205 861,290 5,070 SH SOLE 252 0 4,818
ARK ETF TR INNOVATION ETF 00214Q104 282,453 3,495 SH SOLE 0 0 3,495
AURORA INNOVATION INC CLASS A COM 051774107 80,094 11,744 SH SOLE 0 0 11,744
AUTOMATIC DATA PROCESSING IN COM 053015103 495,154 2,211 SH SOLE 1,600 0 611
BADGER METER INC COM 056525108 907,195 6,114 SH SOLE 6,114 0 0
BANK OF AMER CORP COM 060505104 1,288,179 22,608 SH SOLE 2,346 0 20,262
BLACKROCK ETF TRUST ISHA US AWAR ETF 09290C509 1,139,900 14,220 SH SOLE 733 0 13,487
BROADCOM INC COM 11135F101 1,810,595 4,793 SH SOLE 710 0 4,083
CATERPILLAR INC COM 149123101 280,320 263 SH SOLE 0 0 263
CHEVRON CORPORATION COM 166764100 3,216,058 19,402 SH SOLE 3,775 0 15,627
COLGATE PALMOLIVE CO COM 194162103 385,427 4,204 SH SOLE 792 0 3,412
COSTCO WHOLESALE CORPORATION COM 22160K105 1,426,460 1,525 SH SOLE 183 0 1,342
CSX CORP COM 126408103 732,485 15,411 SH SOLE 0 0 15,411
CUMMINS INC COM 231021106 222,522 312 SH SOLE 0 0 312
DELTA AIR LINES INC COM NEW 247361702 1,494,669 15,958 SH SOLE 1,793 0 14,165
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 11,806,265 293,615 SH SOLE 23,173 0 270,442
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 13,598,727 194,545 SH SOLE 22,575 0 171,970
DISNEY WALT CO COM 254687106 203,894 2,118 SH SOLE 0 0 2,118
ELI LILLY & CO COM 532457108 2,227,324 1,857 SH SOLE 1,262 0 595
EMCOR GROUP INC COM 29084Q100 518,950 625 SH SOLE 70 0 555
EXXON MOBIL CORP COM 30231G102 1,194,217 8,735 SH SOLE 4,326 0 4,409
FIFTH THIRD BANCORP COM 316773100 490,757 8,706 SH SOLE 554 0 8,152
FIRST TR EXCH TRADED FD III CALIF MUN INCM 33739P863 1,466,527 29,536 SH SOLE 13,785 0 15,751
HOME DEPOT INC COM 437076102 914,082 2,592 SH SOLE 710 0 1,882
INTEL CORP COM 458140100 517,748 3,708 SH SOLE 3,200 0 508
INTERNATIONAL BUSINESS MACHS COM 459200101 324,440 1,154 SH SOLE 1,000 0 154
INTUIT COM 461202103 336,429 1,289 SH SOLE 0 0 1,289
INTUITIVE SURGICAL INC COM NEW 46120E602 527,720 1,327 SH SOLE 90 0 1,237
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 1,888,005 77,030 SH SOLE 33,663 0 43,367
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 1,058,485 38,075 SH SOLE 14,749 0 23,326
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 665,802 4,700 SH SOLE 0 0 4,700
INVESCO EXCHANGE TRADED FD T DORS WRI MOM ETF 46137V837 614,507 4,050 SH SOLE 4,050 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 218,469 3,568 SH SOLE 0 0 3,568
INVESCO QQQ TR UNIT SER 1 46090E103 1,606,303 2,181 SH SOLE 336 0 1,845
ISHARES INC CORE MSCI EMKT 46434G103 1,120,083 13,521 SH SOLE 3,449 0 10,072
ISHARES INC EMNG MKTS EQT 46434G889 9,407,037 128,406 SH SOLE 23,737 0 104,669
ISHARES INC ESG AWR MSCI EM 46434G863 524,156 9,584 SH SOLE 464 0 9,120
ISHARES TR CORE MSCI EAFE 46432F842 1,631,492 16,893 SH SOLE 2,189 0 14,704
ISHARES TR CORE S&P SCP ETF 464287804 907,584 6,120 SH SOLE 2,900 0 3,220
ISHARES TR CORE S&P US GWT 464287671 2,373,552 12,619 SH SOLE 8,725 0 3,894
ISHARES TR CORE S&P500 ETF 464287200 224,667 300 SH SOLE 0 0 300
ISHARES TR ESG AW MSCI EAFE 46435G516 223,010 2,169 SH SOLE 127 0 2,042
ISHARES TR ESG AWR MSCI USA 46436E221 310,948 8,856 SH SOLE 493 0 8,363
ISHARES TR ESG AWR MSCI USA 46435G425 831,309 5,079 SH SOLE 281 0 4,798
ISHARES TR ESG AWR US AGRGT 46435U549 305,866 6,452 SH SOLE 80 0 6,372
ISHARES TR ESG AWRE USD ETF 46435G193 812,538 35,097 SH SOLE 1,439 0 33,658
ISHARES TR ESG EAFE ETF 46436E759 336,483 3,977 SH SOLE 165 0 3,812
ISHARES TR ESG MSCI KLD ETF 464288570 724,537 5,088 SH SOLE 284 0 4,804
ISHARES TR ESG MSCI USA ETF 46436E767 719,351 10,358 SH SOLE 442 0 9,916
ISHARES TR ISHS 5-10YR INVT 464288638 580,963 10,926 SH SOLE 1,843 0 9,083
ISHARES TR MSCI ACWI EX US 464288240 1,991,438 26,165 SH SOLE 6,071 0 20,094
ISHARES TR MSCI EAFE ETF 464287465 4,804,553 46,251 SH SOLE 13,925 0 32,326
ISHARES TR MSCI EMG MKT ETF 464287234 401,636 5,871 SH SOLE 0 0 5,871
ISHARES TR RUS 1000 ETF 464287622 381,301 931 SH SOLE 0 0 931
ISHARES TR RUS 2000 VAL ETF 464287630 11,685,728 52,829 SH SOLE 6,738 0 46,091
ISHARES TR RUS MD CP GR ETF 464287481 1,950,105 13,319 SH SOLE 1,347 0 11,972
ISHARES TR RUSSELL 2000 ETF 464287655 1,111,979 3,701 SH SOLE 1,987 0 1,714
ISHARES TR RUSSELL 3000 ETF 464287689 373,526 876 SH SOLE 0 0 876
ISHARES TR S&P MC 400GR ETF 464287606 448,498 3,817 SH SOLE 3,660 0 157
ISHARES TR SELECT DIVID ETF 464287168 619,704 3,965 SH SOLE 0 0 3,965
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 18,393,770 222,982 SH SOLE 26,578 0 196,404
JOHNSON & JOHNSON COM 478160104 900,521 3,546 SH SOLE 738 0 2,808
JPMORGAN CHASE & CO COM 46625H100 4,479,068 13,684 SH SOLE 10,493 0 3,191
LAM RESEARCH CORP COM NEW 512807306 2,785,528 6,428 SH SOLE 660 0 5,768
LAZARD ACTIVE ETF TR INTL DYNAMIC EQT 52110K400 11,747,328 334,968 SH SOLE 30,254 0 304,714
LOCKHEED MARTIN CORP COM 539830109 764,580 1,501 SH SOLE 192 0 1,309
LOWES COS INC COM 548661107 479,561 2,175 SH SOLE 171 0 2,004
MARVELL TECHNOLOGY INC COM 573874104 255,590 858 SH SOLE 0 0 858
MASTERCARD INCORPORATED CL A 57636Q104 917,273 1,786 SH SOLE 547 0 1,239
MERCK & CO INC COM 58933Y105 1,319,053 10,265 SH SOLE 9,851 0 414
META PLATFORMS INC CL A 30303M102 6,585,112 11,690 SH SOLE 440 0 11,250
MICROSOFT CORP COM 594918104 1,105,107 2,963 SH SOLE 536 0 2,427
NETFLIX INC. COM 64110L106 440,966 6,176 SH SOLE 522 0 5,654
NEW YORK LIFE INVESTMENTS ET FTSE INTL EQTY C 45409B560 5,017,570 131,729 SH SOLE 11,973 0 119,756
NORFOLK SOUTHN CORP COM 655844108 773,262 2,458 SH SOLE 2,458 0 0
NOVO-NORDISK A S ADR 670100205 434,068 9,054 SH SOLE 1,402 0 7,652
NVIDIA CORPORATION COM 67066G104 5,384,721 26,912 SH SOLE 6,604 0 20,308
PACER FDS TR US CASH COWS 100 69374H881 11,751,813 188,936 SH SOLE 18,776 0 170,160
PALANTIR TECHNOLOGIES INC CL A 69608A108 608,551 5,216 SH SOLE 0 0 5,216
PGIM ETF TR PGIM ULTRA SH BD 69344A107 32,608,181 658,086 SH SOLE 121,123 0 536,963
PROCTER & GAMBLE CO COM 742718109 471,976 3,219 SH SOLE 422 0 2,797
RTX CORPORATION COM 75513E101 653,600 3,445 SH SOLE 476 0 2,969
SANOFI SA SPONSORED ADR 80105N105 360,653 8,454 SH SOLE 1,274 0 7,180
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 879,629 31,756 SH SOLE 0 0 31,756
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 6,913,708 128,963 SH SOLE 23,280 0 105,683
SMITH A O CORP COM 831865209 678,066 10,811 SH SOLE 10,811 0 0
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 1,025,160 6,000 SH SOLE 0 0 6,000
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 14,970,439 297,091 SH SOLE 41,797 0 255,294
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 547,156 21,440 SH SOLE 1 0 21,439
SPDR SERIES TRUST ST STR P400MID 78464A847 1,583,779 23,443 SH SOLE 3,281 0 20,162
SPDR SERIES TRUST ST STR P500GRW 78464A409 56,527,271 475,059 SH SOLE 53,199 0 421,860
SPDR SERIES TRUST ST STR P500VAL 78464A508 33,111,212 544,682 SH SOLE 71,487 0 473,195
SPDR SERIES TRUST ST STR PR SP1500 78464A805 28,015,478 308,575 SH SOLE 42,109 0 266,466
SPDR SERIES TRUST ST STR SP400GRW 78464A821 1,101,397 9,826 SH SOLE 4,695 0 5,131
SPDR SERIES TRUST ST STR SP600 SML 78468R853 1,475,071 25,578 SH SOLE 3,431 0 22,147
STARBUCKS CORP COM 855244109 521,355 5,102 SH SOLE 1,169 0 3,933
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 488,957 936 SH SOLE 0 0 936
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,457,014 1,951 SH SOLE 0 0 1,951
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 1,479,201 3,097 SH SOLE 338 0 2,759
TERADYNE INC COM 880770102 1,421,429 2,938 SH SOLE 345 0 2,593
TESLA INC COM 88160R101 15,989,947 38,017 SH SOLE 690 0 37,327
UNITED AIRLS HLDGS INC COM 910047109 1,744,754 12,830 SH SOLE 1,579 0 11,251
UNITEDHEALTH GROUP INC COM 91324P102 645,362 1,553 SH SOLE 181 0 1,372
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 43,009,660 65,575 SH SOLE 8,631 0 56,944
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,460,835 5,039 SH SOLE 0 0 5,039
VANGUARD INDEX FDS TOTAL STK MKT 922908769 49,090,536 132,663 SH SOLE 11,727 0 120,936
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 233,071 985 SH SOLE 0 0 985
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 5,010,548 31,706 SH SOLE 3,538 0 28,168
VERTEX PHARMACEUTICALS INC COM 92532F100 345,724 696 SH SOLE 94 0 602
VISA INC COM CL A 92826C839 2,357,637 6,872 SH SOLE 92 0 6,780
WALMART INC COM 931142103 603,169 5,326 SH SOLE 4,886 0 440