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
ABBOTT LABORATORIES COM 002824100 556,690 6,135 SH SOLE 0 0 6,135
ABBVIE INC COM 00287Y109 1,410,526 5,605 SH SOLE 0 0 5,605
ADVANCED MICRO DEVICES INC COM 007903107 2,375,341 4,089 SH SOLE 0 0 4,089
ALPHABET INC CAP STK CL A 02079K305 5,074,718 14,200 SH SOLE 0 0 14,200
ALPHABET INC CAP STK CL C 02079K107 4,788,518 13,552 SH SOLE 0 0 13,552
AMAZON COM INC COM 023135106 6,962,776 29,213 SH SOLE 0 0 29,213
AMERICAN EXPRESS CO COM 025816109 465,368 1,375 SH SOLE 0 0 1,375
AMGEN INC COM 031162100 642,763 1,775 SH SOLE 0 0 1,775
APPLE INC COM 037833100 10,529,046 36,387 SH SOLE 0 0 36,387
APPLIED MATLS INC COM 038222105 1,341,165 1,855 SH SOLE 0 0 1,855
AT&T INC COM 00206R102 414,476 20,023 SH SOLE 0 0 20,023
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 317,811 12,682 SH SOLE 0 0 12,682
BANK OF AMER CORP COM 060505104 1,182,050 20,745 SH SOLE 0 0 20,745
BARCLAYS PLC ADR 06738E204 238,517 8,880 SH SOLE 0 0 8,880
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,290,285 4,577 SH SOLE 0 0 4,577
BLACKROCK ETF TRUST ISHA US AWAR ETF 09290C509 400,800 5,000 SH SOLE 0 0 5,000
BLACKROCK ETF TRUST II ISHA SH TERM ETF 092528884 1,492,854 29,541 SH SOLE 0 0 29,541
BOEING CO COM 097023105 459,133 2,121 SH SOLE 0 0 2,121
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 207,637 3,362 SH SOLE 0 0 3,362
BROADCOM INC COM 11135F101 5,021,179 13,292 SH SOLE 0 0 13,292
CATERPILLAR INC COM 149123101 1,869,072 1,755 SH SOLE 0 0 1,755
CHEVRON CORPORATION COM 166764100 756,031 4,561 SH SOLE 0 0 4,561
CISCO SYS INC COM 17275R102 1,508,343 12,841 SH SOLE 0 0 12,841
CITIGROUP INC COM NEW 172967424 727,932 5,201 SH SOLE 0 0 5,201
COCA COLA CO COM 191216100 881,048 10,840 SH SOLE 0 0 10,840
CONOCOPHILLIPS COM 20825C104 266,449 2,563 SH SOLE 0 0 2,563
COSTCO WHOLESALE CORPORATION COM 22160K105 984,984 1,052 SH SOLE 0 0 1,052
CROWDSTRIKE HLDGS INC CL A 22788C105 419,727 2,200 SH SOLE 0 0 2,200
DISNEY WALT CO COM 254687106 429,294 4,460 SH SOLE 0 0 4,460
ELI LILLY & CO COM 532457108 2,366,475 1,973 SH SOLE 0 0 1,973
ENBRIDGE INC COM 29250N105 230,067 4,244 SH SOLE 0 0 4,244
ESCO TECHNOLOGIES INC COM 296315104 250,979 717 SH SOLE 0 0 717
EXXON MOBIL CORP COM 30231G102 1,391,946 10,181 SH SOLE 0 0 10,181
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 266,148 10,574 SH SOLE 0 0 10,574
GE AEROSPACE COM NEW 369604301 1,492,304 3,993 SH SOLE 0 0 3,993
GE VERNOVA INC COM 36828A101 921,090 784 SH SOLE 0 0 784
GILEAD SCIENCES INC COM 375558103 504,476 3,993 SH SOLE 0 0 3,993
GOLDMAN SACHS GROUP INC COM 38141G104 833,369 824 SH SOLE 0 0 824
HALEON PLC SPON ADS 405552100 133,167 14,273 SH SOLE 0 0 14,273
HOME DEPOT INC COM 437076102 976,218 2,768 SH SOLE 0 0 2,768
HONEYWELL AEROSPACE INC COM 43849R105 273,918 1,239 SH SOLE 0 0 1,239
HONEYWELL INTL INC COM 438516205 290,892 1,299 SH SOLE 0 0 1,299
HOWMET AEROSPACE INC COM 443201108 240,630 895 SH SOLE 0 0 895
INTEL CORP COM 458140100 1,260,161 9,025 SH SOLE 0 0 9,025
INTERNATIONAL BUSINESS MACHS COM 459200101 722,428 2,569 SH SOLE 0 0 2,569
INTUITIVE SURGICAL INC COM NEW 46120E602 392,510 987 SH SOLE 0 0 987
INVESCO EXCH TRADED FD TR II SHORT TERM ETF 46138G888 1,601,602 15,171 SH SOLE 0 0 15,171
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 2,801,559 104,380 SH SOLE 0 0 104,380
ISHARES TR 3 7 YR TREAS BD 464288661 8,836,116 75,233 SH SOLE 0 0 75,233
ISHARES TR A RATE CP BD ETF 46429B291 5,281,420 111,141 SH SOLE 0 0 111,141
ISHARES TR CALIF MUN BD ETF 464288356 814,165 14,125 SH SOLE 0 0 14,125
ISHARES TR CORE S&P MCP ETF 464287507 3,747,623 48,601 SH SOLE 0 0 48,601
ISHARES TR CORE US AGGBD ET 464287226 22,160,830 223,892 SH SOLE 0 0 223,892
ISHARES TR ESG AW MSCI EAFE 46435G516 6,279,738 61,081 SH SOLE 0 0 61,081
ISHARES TR ESG AWARE MSCI 46435U663 2,439,667 43,620 SH SOLE 0 0 43,620
ISHARES TR ESG AWR MSCI USA 46435G425 331,268 2,024 SH SOLE 0 0 2,024
ISHARES TR ESG MSCI KLD ETF 464288570 249,467 1,752 SH SOLE 0 0 1,752
ISHARES TR ESG MSCI USA ETF 46436E767 234,602 3,378 SH SOLE 0 0 3,378
ISHARES TR FLTG RATE NT ETF 46429B655 3,019,148 59,141 SH SOLE 0 0 59,141
ISHARES TR IBDS DEC28 ETF 46435U515 1,755,279 69,515 SH SOLE 0 0 69,515
ISHARES TR IBON 2026 TE ETF 46436E528 729,964 32,228 SH SOLE 0 0 32,228
ISHARES TR IBON 2027 TE ETF 46436E478 733,343 33,213 SH SOLE 0 0 33,213
ISHARES TR IBON 2030 TE ETF 46436E122 735,092 27,776 SH SOLE 0 0 27,776
ISHARES TR IBON 2031 TE ETF 46438G661 734,703 28,510 SH SOLE 0 0 28,510
ISHARES TR IBONDS 27 ETF 46435UAA9 1,771,789 73,153 SH SOLE 0 0 73,153
ISHARES TR IBONDS 28 TR HI 46436E387 733,670 31,220 SH SOLE 0 0 31,220
ISHARES TR IBONDS 29 TR HI 46436E379 734,048 31,383 SH SOLE 0 0 31,383
ISHARES TR IBONDS DEC 2030 46436E726 1,769,659 81,177 SH SOLE 0 0 81,177
ISHARES TR IBONDS DEC 2031 46436E486 1,758,792 84,395 SH SOLE 0 0 84,395
ISHARES TR IBONDS DEC 2032 46436E312 1,751,310 69,524 SH SOLE 0 0 69,524
ISHARES TR IBONDS DEC 29 46436E205 1,756,879 75,858 SH SOLE 0 0 75,858
ISHARES TR IBONDS DEC2026 46435GAA0 1,768,685 72,995 SH SOLE 0 0 72,995
ISHARES TR JPMORGAN USD EMG 464288281 2,249,559 23,326 SH SOLE 0 0 23,326
ISHARES TR RUS 1000 VAL ETF 464287598 537,710 2,218 SH SOLE 0 0 2,218
ISHARES TR RUS 2000 GRW ETF 464287648 202,101 513 SH SOLE 0 0 513
ISHARES TR RUS MD CP GR ETF 464287481 217,565 1,486 SH SOLE 0 0 1,486
ISHARES TR RUS MDCP VAL ETF 464287473 203,939 1,239 SH SOLE 0 0 1,239
ISHARES TR S&P 100 ETF 464287101 1,327,742 3,629 SH SOLE 0 0 3,629
JOHNSON & JOHNSON COM 478160104 1,857,283 7,313 SH SOLE 0 0 7,313
JOHNSON CONTROLS INTERNATION SHS G51502105 445,782 3,051 SH SOLE 0 0 3,051
JPMORGAN CHASE & CO COM 46625H100 2,698,509 8,244 SH SOLE 0 0 8,244
L3HARRIS TECHNOLOGIES INC COM 502431109 223,754 770 SH SOLE 0 0 770
LAM RESEARCH CORP COM NEW 512807306 1,179,524 2,722 SH SOLE 0 0 2,722
LINDE PLC SHS G54950103 592,629 1,142 SH SOLE 0 0 1,142
MASTERCARD INCORPORATED CL A 57636Q104 1,513,066 2,946 SH SOLE 0 0 2,946
MCDONALDS CORP COM 580135101 536,836 1,986 SH SOLE 0 0 1,986
MERCK & CO INC COM 58933Y105 923,273 7,185 SH SOLE 0 0 7,185
META PLATFORMS INC CL A 30303M102 3,030,500 5,380 SH SOLE 0 0 5,380
MICRON TECHNOLOGY INC COM 595112103 2,525,587 2,188 SH SOLE 0 0 2,188
MICROSOFT CORP COM 594918104 6,833,557 18,319 SH SOLE 0 0 18,319
MITSUBISHI UFJ FINANCIAL GRO SPONSORED ADS 606822104 265,810 13,364 SH SOLE 0 0 13,364
MORGAN STANLEY COM NEW 617446448 810,239 3,876 SH SOLE 0 0 3,876
MSCI INC COM 55354G100 247,538 442 SH SOLE 0 0 442
NETFLIX INC. COM 64110L106 896,485 12,555 SH SOLE 0 0 12,555
NEXTERA ENERGY INC COM 65339F101 892,884 10,173 SH SOLE 0 0 10,173
NVIDIA CORPORATION COM 67066G104 12,200,888 60,977 SH SOLE 0 0 60,977
ORACLE CORP COM 68389X105 696,406 4,752 SH SOLE 0 0 4,752
PALANTIR TECHNOLOGIES INC CL A 69608A108 604,001 5,177 SH SOLE 0 0 5,177
PALO ALTO NETWORKS INC COM 697435105 291,572 855 SH SOLE 0 0 855
PEPSICO INC COM 713448108 588,719 4,348 SH SOLE 0 0 4,348
PFIZER INC COM 717081103 382,283 15,875 SH SOLE 0 0 15,875
PHILIP MORRIS INTL INC COM 718172109 992,171 5,484 SH SOLE 0 0 5,484
PIMCO ETF TR INTER MUN BD ACT 72201R866 292,824 5,567 SH SOLE 0 0 5,567
PNC FINL SVCS GROUP INC COM 693475105 308,514 1,253 SH SOLE 0 0 1,253
PROCTER & GAMBLE CO COM 742718109 986,741 6,729 SH SOLE 0 0 6,729
RTX CORPORATION COM 75513E101 1,021,886 5,386 SH SOLE 0 0 5,386
SALESFORCE INC COM 79466L302 343,242 2,191 SH SOLE 0 0 2,191
SANDISK CORP COM 80004C200 329,691 145 SH SOLE 0 0 145
SCHWAB CHARLES CORP COM 808513105 353,394 3,830 SH SOLE 0 0 3,830
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 289,400 1,519 SH SOLE 0 0 1,519
SERVICENOW INC COM 81762P102 296,351 2,985 SH SOLE 0 0 2,985
SHOPIFY INC CL A SUB VTG SHS 82509L107 360,466 3,157 SH SOLE 0 0 3,157
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 12,882,191 248,787 SH SOLE 0 0 248,787
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 20,945,761 415,672 SH SOLE 0 0 415,672
SPDR SERIES TRUST ST INTER BD ETF 78464A375 16,752,217 500,664 SH SOLE 0 0 500,664
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 8,921,808 297,294 SH SOLE 0 0 297,294
SPDR SERIES TRUST ST STR P400MID 78464A847 13,419,510 198,631 SH SOLE 0 0 198,631
SPDR SERIES TRUST ST STR P500GRW 78464A409 10,627,889 89,317 SH SOLE 0 0 89,317
SPDR SERIES TRUST ST STR P500VAL 78464A508 6,815,197 112,110 SH SOLE 0 0 112,110
SPDR SERIES TRUST ST STR SP400GRW 78464A821 260,161 2,321 SH SOLE 0 0 2,321
SPDR SERIES TRUST ST STR SP400VAL 78464A839 291,569 3,074 SH SOLE 0 0 3,074
SPDR SERIES TRUST ST STR SP600 SML 78468R853 9,488,330 164,528 SH SOLE 0 0 164,528
SPDR SERIES TRUST ST STR SP600SM C 78464A300 217,129 1,990 SH SOLE 0 0 1,990
SUMITOMO MITSUI FIN GRP INC SPONSORED ADR 86562M209 203,095 8,613 SH SOLE 0 0 8,613
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 322,837 676 SH SOLE 0 0 676
TE CONNECTIVITY PLC ORD SHS G87052109 273,786 1,358 SH SOLE 0 0 1,358
TESLA INC COM 88160R101 3,305,495 7,859 SH SOLE 0 0 7,859
TEXAS INSTRS INC COM 882508104 705,830 2,368 SH SOLE 0 0 2,368
THERMO FISHER SCIENTIFIC INC COM 883556102 428,663 855 SH SOLE 0 0 855
TJX COS INC NEW COM 872540109 278,457 1,838 SH SOLE 0 0 1,838
TOTALENERGIES SE ACT F92124100 218,039 2,804 SH SOLE 0 0 2,804
ULTRAPAR PARTICIPACOES SA SP ADR REP COM 90400P101 58,031 11,560 SH SOLE 0 0 11,560
UNITEDHEALTH GROUP INC COM 91324P102 1,066,229 2,565 SH SOLE 0 0 2,565
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 8,103,446 277,135 SH SOLE 0 0 277,135
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 1,931,520 19,200 SH SOLE 0 0 19,200
VANGUARD INDEX FDS GROWTH ETF 922908736 614,350 7,132 SH SOLE 0 0 7,132
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 415,343 1,356 SH SOLE 0 0 1,356
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 413,379 2,092 SH SOLE 0 0 2,092
VANGUARD INDEX FDS SM CP VAL ETF 922908611 339,214 1,396 SH SOLE 0 0 1,396
VANGUARD INDEX FDS SML CP GRW ETF 922908595 339,370 928 SH SOLE 0 0 928
VANGUARD INDEX FDS VALUE ETF 922908744 407,093 1,868 SH SOLE 0 0 1,868
VANGUARD MUN BD FDS CORE TAX EXEMPT 922907712 295,057 3,862 SH SOLE 0 0 3,862
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,057,392 40,676 SH SOLE 0 0 40,676
VANGUARD STAR FDS VG TL INTL STK F 921909768 357,605 4,183 SH SOLE 0 0 4,183
VERIZON COMMUNICATIONS INC COM 92343V104 650,049 15,353 SH SOLE 0 0 15,353
VERTEX PHARMACEUTICALS INC COM 92532F100 407,319 820 SH SOLE 0 0 820
VISA INC COM CL A 92826C839 1,909,639 5,566 SH SOLE 0 0 5,566
WALMART INC COM 931142103 1,190,806 10,513 SH SOLE 0 0 10,513
WEC ENERGY GROUP INC COM 92939U106 209,252 1,792 SH SOLE 0 0 1,792
WELLS FARGO & CO COM 949746101 809,376 9,794 SH SOLE 0 0 9,794