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
AMAZON COM INC COM Stock 023135106 1,021,287 4,285 SH SOLE 0 0 4,285
HEWLETT PACKARD ENTERPRISE CO COM Stock 42824C109 577,408 12,800 SH SOLE 0 0 12,800
INVESCO QQQ TRUST SERIES I ETF 46090E103 361,405 491 SH SOLE 0 0 490
GOLDMAN SACHS ACTIVEBETA INTERNATIONAL EQUITY ETF ETF 381430107 330,731 7,237 SH SOLE 0 0 7,237
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF ETF 46435G672 47,227,055 933,341 SH SOLE 0 17,641 915,700
JOHNSON & JOHNSON COM Stock 478160104 272,002 1,071 SH SOLE 0 0 1,071
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 919,919 2,486 SH SOLE 0 0 2,486
ISHARES U.S. INDUSTRIALS ETF ETF 464287754 225,811 1,355 SH SOLE 0 0 1,355
ISHARES ESG AWARE MSCI EAFE ETF ETF 46435G516 391,295 3,806 SH SOLE 0 0 3,806
GLOBAL X S&P 500 CATHOLIC VALUES CUSTOM ETF ETF 37954Y889 254,349 2,874 SH SOLE 0 0 2,874
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 1,441,071 13,535 SH SOLE 0 0 13,535
STATE STREET SPDR S&P 500 ETF ETF 78462F103 1,008,140 1,350 SH SOLE 0 0 1,350
ALLSTATE CORP COM Stock 020002101 354,531 1,490 SH SOLE 0 0 1,490
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 988,757 17,154 SH SOLE 0 0 17,154
OKTA INC CL A Stock 679295105 429,681 3,149 SH SOLE 0 0 3,149
ISHARES ESG AWARE USD CORPORATE BOND ETF ETF 46435G193 409,016 17,667 SH SOLE 0 0 17,667
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF ETF 46435G243 305,153 12,211 SH SOLE 0 0 12,211
TR ACTIVEBETA US SMALL CAP EQUITY ETF ETF 381430602 297,234 3,257 SH SOLE 0 0 3,257
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 4,646,938 37,424 SH SOLE 0 0 37,424
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 244,181 8,297 SH SOLE 0 0 8,297
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 2,057,324 24,892 SH SOLE 0 0 24,892
ALPHABET INC CAP STK CL A Stock 02079K305 600,382 1,680 SH SOLE 0 0 1,680
MICROSOFT CORP COM Stock 594918104 986,265 2,644 SH SOLE 0 97 2,547
STATE STREET COMMUNICATION SERVICES SELECT SECTOR SPDR ETF ETF 81369Y852 313,248 2,924 SH SOLE 0 0 2,924
VANGUARD ESG U.S. STOCK ETF ETF 921910733 322,533 2,439 SH SOLE 0 0 2,439
VANGUARD MID-CAP ETF ETF 922908629 262,014 3,252 SH SOLE 0 0 3,252
VANGUARD LARGE-CAP ETF ETF 922908637 654,805 1,904 SH SOLE 0 0 1,904
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102 441,563 7,587 SH SOLE 0 0 7,587
VANGUARD HEALTH CARE ETF ETF 92204A504 238,610 798 SH SOLE 0 0 798
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862 1,422,739 58,937 SH SOLE 0 0 58,937
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702 484,773 4,056 SH SOLE 0 0 4,056
SCHWAB INTERMEDIATE-TERM US TREASURY ETF ETF 808524854 1,307,375 53,016 SH SOLE 0 0 53,016
VANGUARD S&P 500 ETF ETF 922908363 553,569 806 SH SOLE 0 0 806
ELI LILLY & CO COM Stock 532457108 369,424 308 SH SOLE 0 0 308
OVERLAY SHARES CORE BOND ETF ETF 53656F862 249,767 12,223 SH SOLE 0 0 12,223
OVERLAY SHARES FOREIGN EQUITY ETF ETF 53656F870 244,013 7,700 SH SOLE 0 0 7,700
OVERLAY SHARES LARGE CAP EQUITY ETF ETF 53656F805 266,860 4,714 SH SOLE 0 0 4,714
AVANTIS INTERNATIONAL EQUITY ETF ETF 025072703 236,915 2,656 SH SOLE 0 0 2,656
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 280,835 3,285 SH SOLE 0 0 3,285
ISHARES RUSSELL 2000 ETF ETF 464287655 371,657 1,237 SH SOLE 0 0 1,237
ISHARES IBONDS DEC 2026 TERM TREASURY ETF ETF 46436E858 2,929,439 127,979 SH SOLE 0 0 127,979
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 291,727 583 SH SOLE 0 0 583
ISHARES FLOATING RATE BOND ETF ETF 46429B655 243,406 4,768 SH SOLE 0 0 4,768
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718 2,919,430 29,000 SH SOLE 0 0 29,000
STATE STREET SPDR S&P 500 ESG ETF ETF 78468R531 411,617 5,644 SH SOLE 0 0 5,644
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 431,617 2,948 SH SOLE 0 0 2,948
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 74,467,254 1,851,959 SH SOLE 0 32,195 1,819,763
OVERLAY SHARES SHORT TERM BOND ETF ETF 53656F573 513,106 23,510 SH SOLE 0 0 23,510
VISA INC COM CL A Stock 92826C839 512,920 1,495 SH SOLE 0 0 1,495
DIMENSIONAL U.S. SMALL CAP ETF ETF 25434V500 18,168,815 220,656 SH SOLE 0 5,240 215,416
DIMENSIONAL INTERNATIONAL VALUE ETF ETF 25434V807 59,743,381 1,105,949 SH SOLE 0 28,394 1,077,555
VANGUARD VALUE ETF ETF 922908744 1,528,991 7,016 SH SOLE 0 0 7,015
DIMENSIONAL CORE FIXED INCOME ETF ETF 25434V872 187,234,147 4,435,777 SH SOLE 0 85,797 4,349,980
NUVEEN ESG DIVIDEND ETF ETF 67092P813 377,775 11,606 SH SOLE 0 0 11,606
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 115,609,640 703,778 SH SOLE 0 15,116 688,662
META PLATFORMS INC CL A Stock 30303M102 237,708 422 SH SOLE 0 0 422
BROADCOM INC COM Stock 11135F101 441,590 1,169 SH SOLE 0 0 1,169
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 76,633,199 1,525,646 SH SOLE 0 28,811 1,496,835
ISHARES CORE MSCI EAFE ETF ETF 46432F842 85,973,641 890,181 SH SOLE 0 19,215 870,965
STATE STREET SPDR MSCI ACWI EX-US ETF ETF 78463X848 207,946 5,113 SH SOLE 0 0 5,113
NVIDIA CORPORATION COM Stock 67066G104 1,024,178 5,119 SH SOLE 0 0 5,118
ISHARES TRUST ISHARES 0-1 YEAR TREASURY BOND ETF ETF 464288679 281,981 2,555 SH SOLE 0 0 2,555
WW GRAINGER INC COM Stock 384802104 223,106 164 SH SOLE 0 0 164
ABBVIE INC COM Stock 00287Y109 240,065 954 SH SOLE 0 0 954
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 540,614 6,526 SH SOLE 0 4,002 2,524
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 711,637 9,694 SH SOLE 0 0 9,694
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 2,391,565 28,556 SH SOLE 0 0 28,556
ISHARES ESG AWARE MSCI EM ETF ETF 46434G863 251,847 4,605 SH SOLE 0 0 4,605
DIMENSIONAL CALIFORNIA MUNICIPAL BOND ETF ETF 25434V633 667,896 13,310 SH SOLE 0 0 13,310
CISCO SYS INC COM Stock 17275R102 302,460 2,575 SH SOLE 0 0 2,575
WISDOMTREE U.S. LARGECAP DIVIDEND FUND ETF 97717W307 3,672,007 38,123 SH SOLE 0 0 38,123
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819 437,654,525 5,706,056 SH SOLE 0 110,676 5,595,380
WISDOMTREE U.S. MIDCAP DIVIDEND FUND ETF 97717W505 463,238 8,196 SH SOLE 0 0 8,196
GE VERNOVA INC COM Stock 36828A101 675,545 575 SH SOLE 0 0 575
GE AEROSPACE COM NEW Stock 369604301 904,427 2,420 SH SOLE 0 0 2,420
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 71,016,545 323,641 SH SOLE 0 7,143 316,498
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF ETF 316092808 567,447 1,987 SH SOLE 0 0 1,987
ISHARES CORE S&P 500 ETF ETF 464287200 211,235,332 282,065 SH SOLE 0 6,357 275,707
UNION PAC CORP COM Stock 907818108 215,424 792 SH SOLE 0 0 792
LOCKHEED MARTIN CORP COM Stock 539830109 2,392,934 4,697 SH SOLE 0 0 4,697
JPMORGAN CHASE & CO COM Stock 46625H100 796,721 2,434 SH SOLE 0 0 2,434
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 461,350 6,475 SH SOLE 0 0 6,475
STATE STREET SPDR S&P DIVIDEND ETF ETF 78464A763 228,270 1,500 SH SOLE 0 0 1,500
WALMART INC COM Stock 931142103 356,858 3,151 SH SOLE 0 0 3,150
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 515,177 1,832 SH SOLE 0 0 1,832
RTX CORPORATION COM Stock 75513E101 286,872 1,512 SH SOLE 0 0 1,512
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 397,894 6,666 SH SOLE 0 0 6,666
MORGAN STANLEY COM NEW Stock 617446448 402,820 1,927 SH SOLE 0 0 1,927
HP INC COM Stock 40434L105 280,832 12,800 SH SOLE 0 0 12,800
ALPHABET INC CAP STK CL C Stock 02079K107 578,401 1,637 SH SOLE 0 0 1,637
APPLIED MATLS INC COM Stock 038222105 333,303 461 SH SOLE 0 0 461
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 65,628,450 277,358 SH SOLE 0 6,203 271,155
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 481,043 4,860 SH SOLE 0 0 4,860
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 9,606,125 127,792 SH SOLE 0 0 127,792
KEYSIGHT TECHNOLOGIES INC COM Stock 49338L103 510,752 1,459 SH SOLE 0 0 1,459
CIENA CORP COM NEW Stock 171779309 245,280 500 SH SOLE 0 0 500
VANGUARD SHORT-TERM BOND ETF ETF 921937827 203,218,492 2,608,375 SH SOLE 0 50,104 2,558,270
AGILENT TECHNOLOGIES INC COM Stock 00846U101 324,105 2,440 SH SOLE 0 0 2,440
EXXONMOBIL HOLDINGS CORP COM SHS Stock 30233Q108 383,636 2,806 SH SOLE 0 0 2,806
CARDINAL HEALTH INC COM Stock 14149Y108 279,608 1,177 SH SOLE 0 0 1,177
ISHARES CORE S&P MID-CAP ETF ETF 464287507 626,519 8,125 SH SOLE 0 0 8,125
ISHARES MSCI EAFE ETF ETF 464287465 4,239,343 40,810 SH SOLE 0 0 40,810
APPLE INC COM Stock 037833100 1,238,277 4,279 SH SOLE 0 187 4,092
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 250,430 1,033 SH SOLE 0 0 1,033