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
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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
AMAZON COM INC COM 023135106 918,562 3,854 SH SOLE 0 0 3,854
INVESCO QQQ TR UNIT SER 1 46090E103 44,396,043 60,288 SH SOLE 0 0 60,288
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 4,559,715 23,933 SH SOLE 0 0 23,933
WASTE MGMT INC DEL COM 94106L109 209,730 941 SH SOLE 0 0 941
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,907,504 10,560 SH SOLE 0 0 10,560
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,514,192 6,150 SH SOLE 0 0 6,150
ISHARES TR MSCI EMG MKT ETF 464287234 3,296,199 48,183 SH SOLE 0 0 48,183
SPDR INDEX SHS FDS ST MARKE CAP ETF 78463X756 240,377 3,235 SH SOLE 0 0 3,235
ISHARES TR SHRT NAT MUN ETF 464288158 708,771 6,657 SH SOLE 0 0 6,657
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 719,140 963 SH SOLE 0 0 963
ISHARES TR CALIF MUN BD ETF 464288356 986,624 17,117 SH SOLE 0 0 17,117
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 240,786 9,824 SH SOLE 0 0 9,824
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,301,081 174,400 SH SOLE 0 0 174,400
ISHARES TR RUS 1000 GRW ETF 464287614 271,187 2,184 SH SOLE 0 0 2,184
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,071,665 37,005 SH SOLE 0 0 37,005
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,134,008 77,040 SH SOLE 0 0 77,040
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,107,274 37,624 SH SOLE 0 0 37,624
SPDR SERIES TRUST ST STR P400MID 78464A847 12,938,305 191,508 SH SOLE 0 0 191,508
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 372,815 11,017 SH SOLE 0 0 11,017
ISHARES TR CORE S&P SCP ETF 464287804 329,545 2,222 SH SOLE 0 0 2,222
ISHARES TR IBONDS 27 ETF 46435UAA9 431,746 17,826 SH SOLE 0 0 17,826
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,210,141 33,374 SH SOLE 0 0 33,374
ISHARES TR CORE MSCI INTL 46435G326 4,390,329 49,324 SH SOLE 0 0 49,324
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 208,955 2,644 SH SOLE 0 0 2,644
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 574,913 6,956 SH SOLE 0 0 6,956
ALPHABET INC CAP STK CL A 02079K305 556,782 1,558 SH SOLE 0 0 1,558
GLOBAL X FDS US PFD ETF 37954Y657 2,484,656 132,940 SH SOLE 0 0 132,940
COMCAST CORP NEW CL A 20030N101 239,362 9,750 SH SOLE 0 0 9,750
MICROSOFT CORP COM 594918104 2,508,186 6,724 SH SOLE 0 0 6,724
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635 500,419 21,800 SH SOLE 0 0 21,800
BERKSHIRE HATHAWAY INC DEL CL A 084670108 748,850 1 SH SOLE 0 0 1
VANGUARD INDEX FDS SMALL CP ETF 922908751 692,326 2,284 SH SOLE 0 0 2,284
VANGUARD INDEX FDS MID CAP ETF 922908629 1,797,356 22,308 SH SOLE 0 0 22,308
VANGUARD INDEX FDS LARGE CAP ETF 922908637 849,802 2,471 SH SOLE 0 0 2,471
ISHARES TR IBDS DEC28 ETF 46435U515 404,278 16,011 SH SOLE 0 0 16,011
TESLA INC COM 88160R101 453,827 1,079 SH SOLE 0 0 1,079
ALPS ETF TR ALERIAN MLP 00162Q452 714,908 13,788 SH SOLE 0 0 13,788
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 841,288 24,168 SH SOLE 0 0 24,168
ISHARES TR IBONDS DEC 26 46435U259 249,094 9,715 SH SOLE 0 0 9,715
ISHARES TR IBONDS DEC 28 46435U325 610,518 23,867 SH SOLE 0 0 23,867
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 1,395,427 1,984 SH SOLE 0 0 1,984
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 1,123,224 22,174 SH SOLE 0 0 22,174
ISHARES TR IBONDS DEC 27 46435U283 209,690 8,249 SH SOLE 0 0 8,249
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 734,227 6,047 SH SOLE 0 0 6,047
ELI LILLY & CO COM 532457108 219,496 183 SH SOLE 0 0 183
SCHWAB STRATEGIC TR US REIT ETF 808524847 291,004 12,289 SH SOLE 0 0 12,289
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,171,053 58,884 SH SOLE 0 0 58,884
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 591,888 4,631 SH SOLE 0 0 4,631
VANGUARD STAR FDS VG TL INTL STK F 921909768 664,685 7,775 SH SOLE 0 0 7,775
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 521,852 1,814 SH SOLE 0 0 1,814
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 6,516,489 264,253 SH SOLE 0 0 264,253
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486 334,840 14,285 SH SOLE 0 0 14,285
MICRON TECHNOLOGY INC COM 595112103 559,989 485 SH SOLE 0 0 485
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 9,066,482 400,463 SH SOLE 0 0 400,463
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,765,656 5,527 SH SOLE 0 0 5,527
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478 298,492 12,961 SH SOLE 0 0 12,961
ISHARES TR RUS MD CP GR ETF 464287481 530,004 3,620 SH SOLE 0 0 3,620
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 671,382 2,216 SH SOLE 0 0 2,216
ISHARES TR IBON 2026 TE ETF 46436E528 894,720 39,502 SH SOLE 0 0 39,502
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 786,186 24,793 SH SOLE 0 0 24,793
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 270,379 3,868 SH SOLE 0 0 3,868
ISHARES TR MSCI USA MIN ETF 46429B697 616,765 6,394 SH SOLE 0 0 6,394
VANGUARD INDEX FDS SML CP GRW ETF 922908595 512,346 1,401 SH SOLE 0 0 1,401
VANGUARD INDEX FDS VALUE ETF 922908744 15,763,192 72,331 SH SOLE 0 0 72,331
VANGUARD INDEX FDS GROWTH ETF 922908736 6,368,502 73,932 SH SOLE 0 0 73,932
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 2,667,754 55,193 SH SOLE 0 0 55,193
NUVEEN MUN HIGH INCOME OPPOR COM 670682103 178,686 16,905 SH SOLE 0 0 16,905
META PLATFORMS INC CL A 30303M102 1,281,485 2,275 SH SOLE 0 0 2,275
GLOBAL X FDS GLBL X MLP ETF 37954Y343 312,270 5,883 SH SOLE 0 0 5,883
NUVEEN MUN CR INCOME FD COM SH BEN INT 67070X101 1,072,766 84,603 SH SOLE 0 0 84,603
BROADCOM INC COM 11135F101 628,576 1,664 SH SOLE 0 0 1,664
SCHWAB STRATEGIC TR MUN BD ETF 808524649 434,267 16,819 SH SOLE 0 0 16,819
KINDER MORGAN INC DEL COM 49456B101 201,954 6,317 SH SOLE 0 0 6,317
NEW YORK LIFE INVTS ACTIVE E MACKAY CALI MUN 45409F777 292,953 13,445 SH SOLE 0 0 13,445
NVIDIA CORPORATION COM 67066G104 1,366,415 6,829 SH SOLE 0 0 6,829
ISHARES TR ISHS 1-5YR INVS 464288646 223,109 4,257 SH SOLE 0 0 4,257
ABBVIE INC COM 00287Y109 394,320 1,567 SH SOLE 0 0 1,567
ISHARES INC CORE MSCI EMKT 46434G103 1,940,610 23,426 SH SOLE 0 0 23,426
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,283,025 27,260 SH SOLE 0 0 27,260
ISHARES TR IBONDS DEC 2029 46436E163 1,082,630 42,640 SH SOLE 0 0 42,640
SCHWAB STRATEGIC TR HIGH YIEL BD ETF 808524631 3,359,566 128,326 SH SOLE 0 0 128,326
CISCO SYS INC COM 17275R102 219,533 1,869 SH SOLE 0 0 1,869
BITWISE BITCOIN ETF TR SHS BEN INT 09174C104 1,135,873 35,652 SH SOLE 0 0 35,652
FRANKLIN TEMPLETON DIGITAL H BITCOIN ETF SHS 354921108 423,875 12,500 SH SOLE 0 0 12,500
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 2,311,687 22,979 SH SOLE 0 0 22,979
JPMORGAN CHASE FINL CO LLC CAL LKD 44 48133Q309 7,004,987 203,102 SH SOLE 0 0 203,102
ISHARES TR U.S. TECH ETF 464287721 218,683 867 SH SOLE 0 0 867
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 2,020,148 50,911 SH SOLE 0 0 50,911
SPDR SERIES TRUST ST STR SP600 SML 78468R853 1,737,712 30,132 SH SOLE 0 0 30,132
ISHARES TR CORE S&P500 ETF 464287200 3,031,507 4,048 SH SOLE 0 0 4,048
SALESFORCE INC COM 79466L302 284,181 1,814 SH SOLE 0 0 1,814
REPUBLIC SVCS INC COM 760759100 426,160 2,000 SH SOLE 0 0 2,000
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 2,035,834 39,317 SH SOLE 0 0 39,317
ISHARES TR NATIONAL MUN ETF 464288414 743,977 6,913 SH SOLE 0 0 6,913
CONOCOPHILLIPS COM 20825C104 231,519 2,227 SH SOLE 0 0 2,227
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 17,620,570 247,306 SH SOLE 0 0 247,306
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,706,348 212,872 SH SOLE 0 0 212,872
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,287,800 14,477 SH SOLE 0 0 14,477
ALPHABET INC CAP STK CL C 02079K107 292,204 827 SH SOLE 0 0 827
APPLIED MATLS INC COM 038222105 366,561 507 SH SOLE 0 0 507
ISHARES TR CORE S&P US GWT 464287671 472,106 2,510 SH SOLE 0 0 2,510
ISHARES TR CORE S&P US VLU 464287663 415,486 3,772 SH SOLE 0 0 3,772
AB ACTIVE ETFS INC CALIF INTER ETF 00039J772 989,593 39,332 SH SOLE 0 0 39,332
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 780,609 3,299 SH SOLE 0 0 3,299
PUTNAM ETF TRUST FRANKLIN CALIF 746729839 337,009 45,419 SH SOLE 0 0 45,419
SPDR SERIES TRUST ST STR P500ETF 78464A854 328,495 3,738 SH SOLE 0 0 3,738
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 591,340 25,142 SH SOLE 0 0 25,142
WISDOMTREE TR EMG MKTS SMCAP 97717W281 322,256 4,980 SH SOLE 0 0 4,980
MORGAN STANLEY BITCOIN TR COMMON UNITS 61692G109 177,026 10,506 SH SOLE 0 0 10,506
GATX CORP COM 361448103 205,363 1,159 SH SOLE 0 0 1,159
LAM RESEARCH CORP COM NEW 512807306 270,398 624 SH SOLE 0 0 624
SPDR SERIES TRUST ST STR P500VAL 78464A508 2,496,888 41,074 SH SOLE 0 0 41,074
VANGUARD WORLD FD MEGA GRWTH IND 921910816 837,782 9,530 SH SOLE 0 0 9,530
VANGUARD WORLD FD MEGA CAP INDEX 921910873 219,451 802 SH SOLE 0 0 802
SPDR SERIES TRUST ST BLOO HIGH ETF 78468R622 245,936 2,552 SH SOLE 0 0 2,552
ISHARES TR RUSSELL 3000 ETF 464287689 202,966 476 SH SOLE 0 0 476
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 346,833 7,381 SH SOLE 0 0 7,381
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 3,050,913 60,546 SH SOLE 0 0 60,546
ISHARES TR CORE S&P MCP ETF 464287507 1,369,859 17,765 SH SOLE 0 0 17,765
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 671,348 13,273 SH SOLE 0 0 13,273
APPLE INC COM 037833100 17,378,970 60,060 SH SOLE 0 0 60,060
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 445,166 41,067 SH SOLE 0 0 41,067
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,486,395 9,470 SH SOLE 0 0 9,470