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
ABBVIE INC COM 00287Y109 563,564 2,466 SH SOLE 2,466 0 0
ADVANCED MICRO DEVICES INC COM 007903107 563,415 2,631 SH SOLE 2,631 0 0
ALPHABET INC CAP STK CL C 02079K107 4,938,889 15,739 SH SOLE 15,739 0 0
ALPHABET INC CAP STK CL A 02079K305 3,291,313 10,515 SH SOLE 10,515 0 0
AMAZON COM INC COM 023135106 6,123,206 26,528 SH SOLE 26,528 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 252,287 2,474 SH SOLE 2,474 0 0
AMERICAN EXPRESS CO COM 025816109 248,476 672 SH SOLE 672 0 0
AMGEN INC COM 031162100 271,126 828 SH SOLE 828 0 0
AMPHENOL CORP NEW CL A 032095101 241,624 1,788 SH SOLE 1,788 0 0
APPLE INC COM 037833100 7,551,958 27,779 SH SOLE 27,779 0 0
APPLIED MATLS INC COM 038222105 251,745 980 SH SOLE 980 0 0
APPLOVIN CORP COM CL A 03831W108 270,995 402 SH SOLE 402 0 0
ARISTA NETWORKS INC COM SHS 040413205 215,710 1,646 SH SOLE 1,646 0 0
ARK ETF TR INNOVATION ETF 00214Q104 474,033 6,163 SH SOLE 6,163 0 0
AUTODESK INC COM 052769106 332,797 1,124 SH SOLE 1,124 0 0
BANK AMERICA CORP COM 060505104 623,985 11,345 SH SOLE 11,345 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,475,728 2,936 SH SOLE 2,936 0 0
BLACKROCK ETF TRUST ISHARES US CARBO 09290C509 209,474 2,827 SH SOLE 2,827 0 0
BLACKROCK INC COM 09290D101 200,297 187 SH SOLE 187 0 0
BLACKSTONE INC COM 09260D107 229,387 1,488 SH SOLE 1,488 0 0
BOEING CO COM 097023105 218,122 1,005 SH SOLE 1,005 0 0
BROADCOM INC COM 11135F101 2,465,041 7,122 SH SOLE 7,122 0 0
CADENCE DESIGN SYSTEM INC COM 127387108 316,756 1,013 SH SOLE 1,013 0 0
CAMBRIA ETF TR GLB MOMENT ETF 132061508 266,691 7,955 SH SOLE 7,955 0 0
CAPITAL ONE FINL CORP COM 14040H105 330,962 1,366 SH SOLE 1,366 0 0
CATERPILLAR INC COM 149123101 384,810 672 SH SOLE 672 0 0
CHEVRON CORP NEW COM 166764100 366,371 2,404 SH SOLE 2,404 0 0
CHIME FINL INC COM SHS CL A 16935C109 9,856,799 391,609 SH SOLE 391,609 0 0
CISCO SYS INC COM 17275R102 449,774 5,839 SH SOLE 5,839 0 0
CITIGROUP INC COM NEW 172967424 342,435 2,935 SH SOLE 2,935 0 0
COCA COLA CO COM 191216100 459,842 6,578 SH SOLE 6,578 0 0
CONSTELLATION ENERGY CORP COM 21037T109 202,666 574 SH SOLE 574 0 0
COSTCO WHSL CORP NEW COM 22160K105 363,845 422 SH SOLE 422 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105 244,771 522 SH SOLE 522 0 0
DEERE & CO COM 244199105 209,384 450 SH SOLE 450 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 228,482 4,579 SH SOLE 4,579 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 609,013 13,072 SH SOLE 13,072 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 239,133 3,432 SH SOLE 3,432 0 0
DISNEY WALT CO COM 254687106 366,827 3,224 SH SOLE 3,224 0 0
DOORDASH INC CL A 25809K105 449,162 1,983 SH SOLE 1,983 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 341,187 2,964 SH SOLE 2,964 0 0
EA SERIES TRUST ALPHA ARCHITECT 02072L508 316,193 10,711 SH SOLE 10,711 0 0
ECOLAB INC COM 278865100 250,697 955 SH SOLE 955 0 0
ELI LILLY & CO COM 532457108 1,528,146 1,422 SH SOLE 1,422 0 0
EXXON MOBIL CORP COM 30231G102 679,957 5,650 SH SOLE 5,650 0 0
FORD MTR CO COM 345370860 204,497 15,587 SH SOLE 15,587 0 0
GE AEROSPACE COM NEW 369604301 502,767 1,632 SH SOLE 1,632 0 0
GE VERNOVA INC COM 36828A101 270,048 413 SH SOLE 413 0 0
GILEAD SCIENCES INC COM 375558103 226,230 1,843 SH SOLE 1,843 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 490,809 558 SH SOLE 558 0 0
GOLDMAN SACHS PHYSICAL GOLD UNIT 38150K103 340,187 7,995 SH SOLE 7,995 0 0
HOME DEPOT INC COM 437076102 257,958 750 SH SOLE 750 0 0
INTERNATIONAL BUSINESS COM 459200101 248,169 838 SH SOLE 838 0 0
INTUIT COM 461202103 609,169 920 SH SOLE 920 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 247,027 436 SH SOLE 436 0 0
INVESCO EXCH TRADED FD TR NASDAQ 100 ETF 46138G649 962,589 3,806 SH SOLE 3,806 0 0
INVESCO EXCH TRADED FD TR CALIF AMT MUN 46138E206 303,160 12,548 SH SOLE 12,548 0 0
INVESCO EXCHANGE TRADED FD S&P500 EQL DIS 46137V381 297,367 5,214 SH SOLE 5,214 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,886,788 3,071 SH SOLE 3,071 0 0
ISHARES GOLD TR ISHARES NEW 464285204 836,121 10,301 SH SOLE 10,301 0 0
ISHARES INC CORE MSCI EMKT 46434G103 4,010,038 59,655 SH SOLE 59,655 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 466,810 10,568 SH SOLE 10,568 0 0
ISHARES SILVER TR ISHARES 46428Q109 286,218 4,443 SH SOLE 4,443 0 0
ISHARES TR CORE US AGGBD ET 464287226 8,096,866 81,066 SH SOLE 81,066 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 4,004,996 48,358 SH SOLE 48,358 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,624,387 24,612 SH SOLE 24,612 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,455,236 5,912 SH SOLE 5,912 0 0
ISHARES TR CORE S&P SCP ETF 464287804 18,206,225 151,491 SH SOLE 151,491 0 0
ISHARES TR EAFE SML CP ETF 464288273 5,974,165 77,056 SH SOLE 77,056 0 0
ISHARES TR NATIONAL MUN ETF 464288414 399,537 3,730 SH SOLE 3,730 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,682,363 20,865 SH SOLE 20,865 0 0
ISHARES TR CORE MSCI EAFE 46432F842 889,471 9,943 SH SOLE 9,943 0 0
ISHARES TR IBOXX INV CP ETF 464287242 2,501,239 22,699 SH SOLE 22,699 0 0
ISHARES TR MBS ETF 464288588 1,182,304 12,417 SH SOLE 12,417 0 0
ISHARES TR CORE INTL AGGR 46435G672 876,279 17,522 SH SOLE 17,522 0 0
ISHARES TR BROAD USD HIGH 46435U853 415,180 11,103 SH SOLE 11,103 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 384,365 2,580 SH SOLE 2,580 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 608,873 1,286 SH SOLE 1,286 0 0
ISHARES TR CORE MSCI INTL 46435G326 2,538,821 30,781 SH SOLE 30,781 0 0
ISHARES TR CORE DIV GRWTH 46434V621 440,668 6,348 SH SOLE 6,348 0 0
ISHARES TR TRS FLT RT BD 46434V860 3,590,068 71,147 SH SOLE 71,147 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 833,619 4,197 SH SOLE 4,197 0 0
ISHARES TR CORE S&P500 ETF 464287200 961,895 1,404 SH SOLE 1,404 0 0
ISHARES TR 20 YR TR BD ETF 464287432 455,351 5,224 SH SOLE 5,224 0 0
ISHARES TR CORE S&P TTL STK 464287150 2,721,983 18,306 SH SOLE 18,306 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 731,145 7,689 SH SOLE 7,689 0 0
ISHARES TR RUS 1000 ETF 464287622 1,319,131 3,532 SH SOLE 3,532 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718 730,404 7,276 SH SOLE 7,276 0 0
JOHNSON & JOHNSON COM 478160104 845,140 4,084 SH SOLE 4,084 0 0
JPMORGAN CHASE & CO. COM 46625H100 1,240,791 3,851 SH SOLE 3,851 0 0
KLA CORP COM NEW 482480100 287,068 236 SH SOLE 236 0 0
KRAFT HEINZ CO COM 500754106 201,744 8,319 SH SOLE 8,319 0 0
LAM RESEARCH CORP COM NEW 512807306 409,268 2,391 SH SOLE 2,391 0 0
MASTERCARD INCORPORATED CL A 57636Q104 631,811 1,107 SH SOLE 1,107 0 0
MCDONALDS CORP COM 580135101 285,849 935 SH SOLE 935 0 0
MCKESSON CORP COM 58155Q103 208,565 254 SH SOLE 254 0 0
MERCK & CO INC COM 58933Y105 323,610 3,074 SH SOLE 3,074 0 0
META PLATFORMS INC CL A 30303M102 2,824,352 4,279 SH SOLE 4,279 0 0
MICRON TECHNOLOGY INC COM 595112103 381,596 1,337 SH SOLE 1,337 0 0
MICROSOFT CORP COM 594918104 4,258,573 8,806 SH SOLE 8,806 0 0
MOODYS CORP COM 615369105 433,166 848 SH SOLE 848 0 0
MORGAN STANLEY COM NEW 617446448 252,894 1,425 SH SOLE 1,425 0 0
NEOS ETF TRUST NEOS S&P 500 HI 78433H303 2,773,573 52,800 SH SOLE 52,800 0 0
NETFLIX INC COM 64110L106 532,988 5,685 SH SOLE 5,685 0 0
NEXTERA ENERGY INC COM 65339F101 232,468 2,896 SH SOLE 2,896 0 0
NVIDIA CORPORATION COM 67066G104 9,606,686 51,510 SH SOLE 51,510 0 0
ORACLE CORP COM 68389X105 409,046 2,099 SH SOLE 2,099 0 0
PACER FDS TR US CASH COWS 100 69374H881 376,803 6,262 SH SOLE 6,262 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 753,942 4,242 SH SOLE 4,242 0 0
PEPSICO INC COM 713448108 284,630 1,983 SH SOLE 1,983 0 0
PHILIP MORRIS INTL INC COM 718172109 269,281 1,679 SH SOLE 1,679 0 0
PNC FINL SVCS GROUP INC COM 693475105 223,005 1,068 SH SOLE 1,068 0 0
PROCTER AND GAMBLE CO COM 742718109 242,642 1,693 SH SOLE 1,693 0 0
QUALCOMM INC COM 747525103 213,715 1,249 SH SOLE 1,249 0 0
QUALYS INC COM 74758T303 266,196 2,003 SH SOLE 2,003 0 0
RTX CORPORATION COM 75513E101 377,767 2,060 SH SOLE 2,060 0 0
S&P GLOBAL INC COM 78409V104 261,045 500 SH SOLE 500 0 0
SALESFORCE INC COM 79466L302 523,436 1,976 SH SOLE 1,976 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 792,955 30,231 SH SOLE 30,231 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,285,829 233,587 SH SOLE 233,587 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,001,945 133,088 SH SOLE 133,088 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,107,439 38,885 SH SOLE 38,885 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,475,903 144,588 SH SOLE 144,588 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,111,646 117,465 SH SOLE 117,465 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 213,277 4,684 SH SOLE 4,684 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 336,609 10,319 SH SOLE 10,319 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 406,981 12,916 SH SOLE 12,916 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 473,983 17,280 SH SOLE 17,280 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 458,548 14,001 SH SOLE 14,001 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 542,043 11,989 SH SOLE 11,989 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 551,143 15,284 SH SOLE 15,284 0 0
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605 633,512 11,567 SH SOLE 11,567 0 0
SELECT SECTOR SPDR TR STATE STREET IND 81369Y704 388,717 2,506 SH SOLE 2,506 0 0
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 224,760 1,561 SH SOLE 1,561 0 0
SERVICENOW INC COM 81762P102 2,676,632 17,473 SH SOLE 17,473 0 0
SHOPIFY INC CL A SUB VTG SHS 82509L107 205,172 1,275 SH SOLE 1,275 0 0
SPDR GOLD TR GOLD SHS 78463V107 350,281 884 SH SOLE 884 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 13,030,762 278,376 SH SOLE 278,376 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 8,740,215 196,807 SH SOLE 196,807 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,109,252 8,959 SH SOLE 8,959 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 597,549 991 SH SOLE 991 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A664 2,534,436 95,747 SH SOLE 95,747 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A847 220,022 3,799 SH SOLE 3,799 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A805 405,889 4,920 SH SOLE 4,920 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A854 1,407,496 17,545 SH SOLE 17,545 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R853 414,648 8,849 SH SOLE 8,849 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A508 304,215 5,355 SH SOLE 5,355 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R531 345,099 5,217 SH SOLE 5,217 0 0
STRATEGY SHS NEWFOUND RESLV 86280R886 374,952 11,806 SH SOLE 11,806 0 0
TAIWAN SEMICONDUCTOR MFG SPONSORED ADS 874039100 468,833 1,543 SH SOLE 1,543 0 0
TERADYNE INC COM 880770102 218,510 1,129 SH SOLE 1,129 0 0
TESLA INC COM 88160R101 2,491,011 5,539 SH SOLE 5,539 0 0
THE CIGNA GROUP COM 125523100 692,702 2,517 SH SOLE 2,517 0 0
THERMO FISHER SCIENTIFIC COM 883556102 217,421 375 SH SOLE 375 0 0
TJX COS INC NEW COM 872540109 303,676 1,977 SH SOLE 1,977 0 0
TOAST INC CL A 888787108 575,945 16,219 SH SOLE 16,219 0 0
TWILIO INC CL A 90138F102 867,662 6,100 SH SOLE 6,100 0 0
UBER TECHNOLOGIES INC COM 90353T100 211,781 2,592 SH SOLE 2,592 0 0
UNITEDHEALTH GROUP INC COM 91324P102 449,683 1,362 SH SOLE 1,362 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 597,763 11,693 SH SOLE 11,693 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 379,391 1,852 SH SOLE 1,852 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 390,882 4,960 SH SOLE 4,960 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,529,407 47,650 SH SOLE 47,650 0 0
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 302,574 3,018 SH SOLE 3,018 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 5,522,900 114,298 SH SOLE 114,298 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 55,795,537 88,970 SH SOLE 88,970 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 387,604 2,185 SH SOLE 2,185 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,542,597 5,315 SH SOLE 5,315 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,089,399 6,637 SH SOLE 6,637 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 12,176,568 36,319 SH SOLE 36,319 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 362,857 1,713 SH SOLE 1,713 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,284,199 6,724 SH SOLE 6,724 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,614,407 3,309 SH SOLE 3,309 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 575,137 2,230 SH SOLE 2,230 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 827,013 3,955 SH SOLE 3,955 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 378,908 4,282 SH SOLE 4,282 0 0
VANGUARD INTL EQUITY INDEX FTSE SMCAP ETF 922042718 594,740 4,149 SH SOLE 4,149 0 0
VANGUARD INTL EQUITY INDEX ALLWRLD EX US 922042775 435,061 5,914 SH SOLE 5,914 0 0
VANGUARD INTL EQUITY INDEX FTSE EMR MKT ETF 922042858 9,891,636 183,996 SH SOLE 183,996 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,362,207 27,087 SH SOLE 27,087 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 2,146,825 21,572 SH SOLE 21,572 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 242,424 4,345 SH SOLE 4,345 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 230,837 3,930 SH SOLE 3,930 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,510,230 11,422 SH SOLE 11,422 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 4,928,502 65,330 SH SOLE 65,330 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 49,490,711 792,232 SH SOLE 792,232 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,401,548 9,766 SH SOLE 9,766 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 799,984 1,061 SH SOLE 1,061 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 222,729 1,054 SH SOLE 1,054 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 225,420 5,534 SH SOLE 5,534 0 0
VISA INC COM CL A 92826C839 751,074 2,142 SH SOLE 2,142 0 0
WALMART INC COM 931142103 1,493,735 13,408 SH SOLE 13,408 0 0
WASTE MGMT INC DEL COM 94106L109 240,460 1,094 SH SOLE 1,094 0 0
WELLS FARGO CO NEW COM 949746101 420,228 4,509 SH SOLE 4,509 0 0
WILLIAMS COS INC COM 969457100 214,482 3,568 SH SOLE 3,568 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 428,016 5,014 SH SOLE 5,014 0 0