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
ISHARES TR 0-3 MTH TREASURY 46436E718 9,767,246 97,013 SH SOLE 97,013 0 0
ISHARES TR TRUST ISHARE 0-1 464288679 2,126,416 19,275 SH SOLE 19,275 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 8,920,565 94,477 SH SOLE 94,477 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 7,222,970 97,872 SH SOLE 97,872 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 8,869,659 38,017 SH SOLE 38,017 0 0
ISHARES TR CORE DIV GRWTH 46434V621 8,757,310 116,160 SH SOLE 116,160 0 0
ISHARES TR US TREAS BD ETF 46429B267 8,514,550 389,326 SH SOLE 389,326 0 0
ISHARES TR TIPS BD ETF 464287176 4,259,013 40,936 SH SOLE 40,936 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,900,786 43,375 SH SOLE 43,375 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,953,274 68,843 SH SOLE 68,843 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 5,179,255 44,722 SH SOLE 44,722 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 2,793,708 6,124 SH SOLE 6,124 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 3,857,784 44,445 SH SOLE 44,445 0 0
ALPHABET INC CAP STK CL A 02079K305 1,940,766 5,640 SH SOLE 5,640 0 0
ASML HLDG NV N Y REGISTRY SHS N07059210 880,472 486 SH SOLE 486 0 0
TEXAS INSTRS INC COM 882508104 892,204 3,185 SH SOLE 3,185 0 0
JOHNSON & JOHNSON COM 478160104 2,012,804 7,603 SH SOLE 7,603 0 0
NOVARTIS AG SPONSORED ADR 66987V109 1,036,769 7,272 SH SOLE 7,272 0 0
VISA INC COM CL A 92826C839 908,844 2,529 SH SOLE 2,529 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 1,246,087 1,369 SH SOLE 1,369 0 0
MICROSOFT CORP COM 594918104 2,033,999 3,966 SH SOLE 3,966 0 0
MERCK & CO INC COM 58933Y105 858,525 5,908 SH SOLE 5,908 0 0
ASTRAZENECA PLC ORD G0593M107 539,886 3,344 SH SOLE 3,344 0 0
HOME DEPOT INC COM 437076102 926,624 3,257 SH SOLE 3,257 0 0
HONEYWELL INTL INC COM 438516205 315,091 1,494 SH SOLE 1,494 0 0
HONEYWELL AEROSPACE INC COM 43849R105 256,165 1,653 SH SOLE 1,653 0 0
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 5,446,279 65,594 SH SOLE 65,594 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 2,440,683 58,911 SH SOLE 58,911 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 855,110 21,753 SH SOLE 21,753 0 0
ISHARES TR CORE UNIVRSL USD 46434V613 2,212,384 50,179 SH SOLE 50,179 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 762,306 6,066 SH SOLE 6,066 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 742,311 2,348 SH SOLE 2,348 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 1,535,545 29,974 SH SOLE 29,974 0 0
BROADCOM INC COM 11135F101 1,905,175 5,425 SH SOLE 5,425 0 0
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 412,273 4,373 SH SOLE 4,373 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 336,640 1,453 SH SOLE 1,453 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 255,946 514 SH SOLE 514 0 0
ISHARES TR S&P 500 VAL ETF 464287408 321,905 1,410 SH SOLE 1,410 0 0
ISHARES TR CORE S&P500 ETF 464287200 4,937,279 6,447 SH SOLE 6,447 0 0
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 282,436 4,078 SH SOLE 4,078 0 0
ISHARES INC CORE MSCI EMKT 46434G103 265,043 3,266 SH SOLE 3,266 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 264,311 1,858 SH SOLE 1,858 0 0
ISHARES TR MBS ETF 464288588 682,894 7,620 SH SOLE 7,620 0 0
ISHARES TR S&P 100 ETF 464287101 244,886 641 SH SOLE 641 0 0
ISHARES TR EAFE VALUE ETF 464288877 246,664 3,117 SH SOLE 3,117 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 269,441 2,923 SH SOLE 2,923 0 0
ISHARES GOLD TR ISHARES NEW 464285204 417,132 5,341 SH SOLE 5,341 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 349,062 3,501 SH SOLE 3,501 0 0
ELI LILLY & CO COM 532457108 1,124,379 972 SH SOLE 972 0 0
KLA CORP COM NEW 482480100 579,487 2,973 SH SOLE 2,973 0 0
CUMMINS INC COM 231021106 336,178 651 SH SOLE 651 0 0
APPLIED MATLS INC COM 038222105 2,619,761 5,123 SH SOLE 5,123 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 348,238 2,021 SH SOLE 2,021 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 239,209 354 SH SOLE 354 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 2,357,862 24,822 SH SOLE 24,822 0 0
ISHARES TR INVT GRAD SY ETF 46435G219 567,280 13,257 SH SOLE 13,257 0 0
ISHARES TR RUS MID CAP ETF 464287499 306,704 2,874 SH SOLE 2,874 0 0
META PLATFORMS INC CL A 30303M102 335,462 463 SH SOLE 463 0 0
ALPHABET INC CAP STK CL C 02079K107 215,537 633 SH SOLE 633 0 0
ISHARES TR U.S. TECH ETF 464287721 514,879 1,944 SH SOLE 1,944 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 367,271 4,530 SH SOLE 4,530 0 0
ISHARES TR ESG MSCI LEADR 46435U218 485,000 3,559 SH SOLE 3,559 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 742,739 5,930 SH SOLE 5,930 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 276,812 363 SH SOLE 363 0 0
WELLS FARGO & CO COM 949746101 297,626 3,718 SH SOLE 3,718 0 0
CATERPILLAR INC COM 149123101 462,150 570 SH SOLE 570 0 0
ILLINOIS TOOL WKS INC COM 452308109 240,300 934 SH SOLE 934 0 0
CHEVRON CORPORATION COM 166764100 742,198 3,634 SH SOLE 3,634 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 528,510 754 SH SOLE 754 0 0
JPMORGAN CHASE & CO COM 46625H100 276,905 837 SH SOLE 837 0 0
QUALCOMM INC COM 747525103 241,519 1,312 SH SOLE 1,312 0 0
AMAZON COM INC COM 023135106 295,990 1,188 SH SOLE 1,188 0 0
GE AEROSPACE COM NEW 369604301 247,990 794 SH SOLE 794 0 0
NVIDIA CORPORATION COM 67066G104 542,772 2,377 SH SOLE 2,377 0 0
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 246,000 4,000 SH SOLE 4,000 0 0
UBS GROUP AG SHS H42097107 240,650 5,000 SH SOLE 5,000 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 427,822 4,255 SH SOLE 4,255 0 0
RTX CORPORATION COM 75513E101 338,131 1,821 SH SOLE 1,821 0 0
BANK OF AMER CORP COM 060505104 241,082 4,429 SH SOLE 4,429 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 585,488 14,800 SH SOLE 14,800 0 0
MICRON TECHNOLOGY INC COM 595112103 609,474 572 SH SOLE 572 0 0
ROSS STORES INC COM 778296103 311,822 1,336 SH SOLE 1,336 0 0
APPLE INC COM 037833100 1,334,300 4,007 SH SOLE 4,007 0 0
ADVANCED MICRO DEVICES INC COM 007903107 324,233 530 SH SOLE 530 0 0
APPLIED MATLS INC PUT 038222955 613,656 1,200 SH Put SOLE 12 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 224,272 1,378 SH SOLE 1,378 0 0
LAM RESEARCH CORP COM NEW 512807306 331,138 1,008 SH SOLE 1,008 0 0
COCA COLA CO COM 191216100 370,582 4,305 SH SOLE 4,305 0 0
ISHARES TR GLOBAL 100 ETF 464287572 214,243 1,488 SH SOLE 1,488 0 0
EMERSON ELEC CO COM 291011104 1,021,324 6,585 SH SOLE 6,585 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 333,228 1,702 SH SOLE 1,702 0 0
KROGER CO COM 501044101 208,746 3,561 SH SOLE 3,561 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 216,805 2,406 SH SOLE 2,406 0 0