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
AB ACTIVE ETFS INC CALIF INTER ETF 00039J772 420,735 17,465 SH SOLE 0 0 17,465
ABBOTT LABORATORIES COM 002824100 368,584 3,729 SH SOLE 0 0 3,729
ADVANCED MICRO DEVICES INC COM 007903107 9,517,763 15,558 SH SOLE 0 0 15,558
AIR PRODUCTS AND CHEMICALS I COM 009158106 243,174 874 SH SOLE 0 0 874
ALPHABET INC CAP STK CL A 02079K305 1,136,254 3,302 SH SOLE 0 0 3,302
ALPHABET INC CAP STK CL C 02079K107 1,114,859 3,272 SH SOLE 0 0 3,272
ALTRIA GROUP INC COM 02209S103 237,296 3,524 SH SOLE 0 0 3,524
AMAZON COM INC COM 023135106 2,835,333 11,380 SH SOLE 0 0 11,380
AMERICAN EXPRESS CO COM 025816109 818,638 2,692 SH SOLE 0 0 2,692
AMGEN INC COM 031162100 1,033,640 2,452 SH SOLE 0 0 2,452
APPLE INC COM 037833100 18,278,321 54,887 SH SOLE 0 0 54,887
APPLIED MATLS INC COM 038222105 903,992 1,768 SH SOLE 0 0 1,768
AT&T INC COM 00206R102 294,465 12,068 SH SOLE 0 0 12,068
AUTOLIV INC COM 052800109 833,022 7,445 SH SOLE 0 0 7,445
AUTOMATIC DATA PROCESSING IN COM 053015103 764,823 2,964 SH SOLE 0 0 2,964
BANK OF AMER CORP COM 060505104 308,435 5,667 SH SOLE 0 0 5,667
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,494,010 2 SH SOLE 0 0 2
BLACKROCK ETF TRUST II ISHA SH TERM ETF 092528884 468,797 9,412 SH SOLE 0 0 9,412
BLOOM ENERGY CORP COM CL A 093712107 257,592 930 SH SOLE 0 0 930
BOEING CO COM 097023105 406,824 2,187 SH SOLE 0 0 2,187
BROADCOM INC COM 11135F101 244,780 697 SH SOLE 0 0 697
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 26,468,014 541,817 SH SOLE 0 0 541,817
CARRIER GLOBAL CORPORATION COM 14448C104 258,640 4,715 SH SOLE 0 0 4,715
CATERPILLAR INC COM 149123101 1,668,230 2,058 SH SOLE 0 0 2,058
CHARLES SCHWAB CORP (THE) COM 808513105 1,231,708 12,602 SH SOLE 0 0 12,602
CHEVRON CORPORATION COM 166764100 3,233,849 15,836 SH SOLE 0 0 15,836
CISCO SYS INC COM 17275R102 827,818 7,691 SH SOLE 0 0 7,691
COCA COLA CO COM 191216100 573,561 6,663 SH SOLE 0 0 6,663
CONOCOPHILLIPS COM 20825C104 332,061 2,653 SH SOLE 0 0 2,653
COSTCO WHOLESALE CORPORATION COM 22160K105 1,149,870 1,263 SH SOLE 0 0 1,263
DAILY JOURNAL CORP COM 233912104 611,971 947 SH SOLE 0 0 947
DISNEY WALT CO COM 254687106 399,980 3,813 SH SOLE 0 0 3,813
DOVER CORP COM 260003108 326,029 1,743 SH SOLE 0 0 1,743
DUKE ENERGY CORP NEW COM NEW 26441C204 278,071 2,439 SH SOLE 0 0 2,439
EATON CORP PLC SHS G29183103 1,264,737 2,943 SH SOLE 0 0 2,943
ELI LILLY & CO COM 532457108 671,381 580 SH SOLE 0 0 580
EMERSON ELEC CO COM 291011104 239,165 1,542 SH SOLE 0 0 1,542
ENTERPRISE PRODS PARTNERS L COM 293792107 300,584 8,441 SH SOLE 0 0 8,441
EXTREME NETWORKS INC COM 30226D106 4,704,157 219,308 SH SOLE 0 0 219,308
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 2,264,810 13,916 SH SOLE 0 0 13,916
FIRST TR EXCHANGE TRADED FD SMID RISNG ETF 33741X102 3,631,094 89,480 SH SOLE 0 0 89,480
GE AEROSPACE COM NEW 369604301 393,474 1,260 SH SOLE 0 0 1,260
GE VERNOVA INC COM 36828A101 329,829 347 SH SOLE 0 0 347
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 262,953 7,464 SH SOLE 0 0 7,464
GLOBAL X FDS US INFR DEV ETF 37954Y673 7,055,781 134,396 SH SOLE 0 0 134,396
GOLDMAN SACHS GROUP INC COM 38141G104 285,426 317 SH SOLE 0 0 317
HEWLETT PACKARD ENTERPRISE C COM 42824C109 326,798 5,115 SH SOLE 0 0 5,115
HOME DEPOT INC COM 437076102 579,226 2,036 SH SOLE 0 0 2,036
INTEL CORP COM 458140100 797,187 6,631 SH SOLE 0 0 6,631
INTERNATIONAL BUSINESS MACHS COM 459200101 507,901 2,309 SH SOLE 0 0 2,309
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 2,953,053 22,949 SH SOLE 0 0 22,949
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 392,950 1,889 SH SOLE 0 0 1,889
INVESCO QQQ TR UNIT SER 1 46090E103 1,052,546 1,423 SH SOLE 0 0 1,423
ISHARES GOLD TR ISHARES NEW 464285204 200,171 2,563 SH SOLE 0 0 2,563
ISHARES INC ESG AWR MSCI EM 46434G863 895,134 16,528 SH SOLE 0 0 16,528
ISHARES INC MSCI EMRG CHN 46434G764 4,532,830 45,749 SH SOLE 0 0 45,749
ISHARES INC CORE MSCI EMKT 46434G103 278,704 3,434 SH SOLE 0 0 3,434
ISHARES TR S&P 500 GRWT ETF 464287309 4,877,797 34,288 SH SOLE 0 0 34,288
ISHARES TR CORE MSCI EAFE 46432F842 3,773,618 38,951 SH SOLE 0 0 38,951
ISHARES TR ULTRA SHORT DUR 46434V878 37,104,382 736,198 SH SOLE 0 0 736,198
ISHARES TR MSCI USA QLT FCT 46432F339 9,068,829 40,806 SH SOLE 0 0 40,806
ISHARES TR ESG MSCI KLD ETF 464288570 266,992 1,826 SH SOLE 0 0 1,826
ISHARES TR TRS FLT RT BD 46434V860 14,706,532 290,241 SH SOLE 0 0 290,241
ISHARES TR ESG AW MSCI EAFE 46435G516 1,048,574 10,175 SH SOLE 0 0 10,175
ISHARES TR MSCI USA MIN ETF 46429B697 243,600 2,500 SH SOLE 0 0 2,500
ISHARES TR RUS 2000 VAL ETF 464287630 319,431 1,525 SH SOLE 0 0 1,525
ISHARES TR ESG AWR MSCI USA 46435G425 233,193 1,398 SH SOLE 0 0 1,398
ISHARES TR S&P 100 ETF 464287101 254,838 667 SH SOLE 0 0 667
ISHARES TR 0-5 YR TIPS ETF 46429B747 27,082,722 271,642 SH SOLE 0 0 271,642
ISHARES TR CORE S&P500 ETF 464287200 3,953,353 5,162 SH SOLE 0 0 5,162
ISHARES TR CORE S&P SCP ETF 464287804 5,756,358 42,314 SH SOLE 0 0 42,314
ISHARES TR ESG SELECT SCRE 46436E551 273,635 5,610 SH SOLE 0 0 5,610
ISHARES TR INTL SEL DIV ETF 464288448 366,074 8,677 SH SOLE 0 0 8,677
ISHARES TR SELECT DIVID ETF 464287168 864,023 5,682 SH SOLE 0 0 5,682
ISHARES TR 0-3 MTH TREASURY 46436E718 2,495,335 24,785 SH SOLE 0 0 24,785
ISHARES TR U.S. TECH ETF 464287721 286,042 1,080 SH SOLE 0 0 1,080
ISHARES TR RUS 1000 VAL ETF 464287598 1,412,028 5,695 SH SOLE 0 0 5,695
ISHARES TR EAFE VALUE ETF 464288877 8,843,658 111,747 SH SOLE 0 0 111,747
ISHARES TR MSCI EAFE ETF 464287465 9,009,433 86,721 SH SOLE 0 0 86,721
ISHARES TR CORE DIV GRWTH 46434V621 572,822 7,598 SH SOLE 0 0 7,598
ISHARES TR MSCI EMG MKT ETF 464287234 4,950,667 74,123 SH SOLE 0 0 74,123
ISHARES TR RUS 1000 GRW ETF 464287614 747,343 5,966 SH SOLE 0 0 5,966
ISHARES U S ETF TR SHOR DURA BD ETF 46431W507 104,921,986 2,104,332 SH SOLE 0 0 2,104,332
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 286,947 5,104 SH SOLE 0 0 5,104
JOHNSON & JOHNSON COM 478160104 1,497,679 5,657 SH SOLE 0 0 5,657
JPMORGAN CHASE & CO COM 46625H100 1,082,633 3,272 SH SOLE 0 0 3,272
LOCKHEED MARTIN CORP COM 539830109 300,017 589 SH SOLE 0 0 589
LOWES COS INC COM 548661107 528,770 2,869 SH SOLE 0 0 2,869
MASTERCARD INCORPORATED CL A 57636Q104 537,684 975 SH SOLE 0 0 975
MCDONALDS CORP COM 580135101 733,928 3,178 SH SOLE 0 0 3,178
MERCK & CO INC COM 58933Y105 1,124,516 7,739 SH SOLE 0 0 7,739
META PLATFORMS INC CL A 30303M102 1,974,752 2,723 SH SOLE 0 0 2,723
METLIFE INC COM 59156R108 221,559 2,353 SH SOLE 0 0 2,353
MICROSOFT CORP COM 594918104 7,627,130 14,871 SH SOLE 0 0 14,871
MISSION PRODUCE INC COM 60510V108 345,895 26,384 SH SOLE 0 0 26,384
NETFLIX INC. COM 64110L106 217,786 3,130 SH SOLE 0 0 3,130
NORTHROP GRUMMAN CORP COM 666807102 2,514,798 5,201 SH SOLE 0 0 5,201
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 351,079 7,235 SH SOLE 0 0 7,235
NVIDIA CORPORATION COM 67066G104 3,219,360 14,097 SH SOLE 0 0 14,097
PEPSICO INC COM 713448108 424,208 3,348 SH SOLE 0 0 3,348
PHILIP MORRIS INTL INC COM 718172109 565,591 2,964 SH SOLE 0 0 2,964
PHILLIPS 66 COM 718546104 647,726 2,537 SH SOLE 0 0 2,537
PIMCO ETF TR ENHANCD SHORT 72201R643 901,887 9,147 SH SOLE 0 0 9,147
PROCTER & GAMBLE CO COM 742718109 546,418 3,761 SH SOLE 0 0 3,761
QUALCOMM INC COM 747525103 270,693 1,471 SH SOLE 0 0 1,471
RTX CORPORATION COM 75513E101 1,398,686 7,534 SH SOLE 0 0 7,534
SALESFORCE INC COM 79466L302 392,398 1,709 SH SOLE 0 0 1,709
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 317,619 9,734 SH SOLE 0 0 9,734
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 7,144,857 227,037 SH SOLE 0 0 227,037
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 58,613,803 1,090,489 SH SOLE 0 0 1,090,489
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 4,970,894 142,026 SH SOLE 0 0 142,026
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,999,161 99,972 SH SOLE 0 0 99,972
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,524,089 44,800 SH SOLE 0 0 44,800
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 28,532,522 877,114 SH SOLE 0 0 877,114
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 13,410,743 488,196 SH SOLE 0 0 488,196
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 3,437,274 42,646 SH SOLE 0 0 42,646
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 21,122,591 395,554 SH SOLE 0 0 395,554
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 379,922 1,941 SH SOLE 0 0 1,941
SPDR GOLD TR GOLD SHS 78463V107 896,238 2,353 SH SOLE 0 0 2,353
SPDR SERIES TRUST ST STR P500ETF 78464A854 22,167,204 246,961 SH SOLE 0 0 246,961
STARBUCKS CORP COM 855244109 268,444 2,857 SH SOLE 0 0 2,857
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,517,581 1,990 SH SOLE 0 0 1,990
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 1,012,521 1,542 SH SOLE 0 0 1,542
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 1,001,856 2,196 SH SOLE 0 0 2,196
TAPESTRY INC COM 876030107 246,186 2,140 SH SOLE 0 0 2,140
TESLA INC COM 88160R101 226,369 638 SH SOLE 0 0 638
UNILEVER PLC SPON ADR NEW 904767803 233,608 3,847 SH SOLE 0 0 3,847
UNION PAC CORP COM 907818108 263,150 967 SH SOLE 0 0 967
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 20,523,918 414,206 SH SOLE 0 0 414,206
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 435,008 4,614 SH SOLE 0 0 4,614
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 12,799,846 55,403 SH SOLE 0 0 55,403
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 10,548,451 37,078 SH SOLE 0 0 37,078
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 8,584,205 43,902 SH SOLE 0 0 43,902
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 7,337,735 93,570 SH SOLE 0 0 93,570
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 1,033,722 2,762 SH SOLE 0 0 2,762
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 456,586 5,067 SH SOLE 0 0 5,067
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 331,117 1,532 SH SOLE 0 0 1,532
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 420,414 1,244 SH SOLE 0 0 1,244
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,970,685 4,239 SH SOLE 0 0 4,239
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 27,394,928 117,419 SH SOLE 0 0 117,419
VANGUARD STAR FDS VG TL INTL STK F 921909768 330,625 3,892 SH SOLE 0 0 3,892
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,015,500 14,382 SH SOLE 0 0 14,382
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 41,813,655 413,464 SH SOLE 0 0 413,464
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,951,378 19,017 SH SOLE 0 0 19,017
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 40,581,067 429,793 SH SOLE 0 0 429,793
VANGUARD WORLD FD ESG INTL STK ETF 921910725 1,026,198 12,658 SH SOLE 0 0 12,658
VANGUARD WORLD FD MRNGSTR VAL ETF 921910840 31,108,776 193,114 SH SOLE 0 0 193,114
VANGUARD WORLD FD ENERGY ETF 92204A306 532,227 3,091 SH SOLE 0 0 3,091
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 16,654,529 51,963 SH SOLE 0 0 51,963
VANGUARD WORLD FD MRNGSTR CAP ETF 921910873 16,324,899 57,826 SH SOLE 0 0 57,826
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 27,859,638 88,141 SH SOLE 0 0 88,141
VERIZON COMMUNICATIONS INC COM 92343V104 502,920 10,964 SH SOLE 0 0 10,964
VISA INC COM CL A 92826C839 1,507,389 4,195 SH SOLE 0 0 4,195
WALMART INC COM 931142103 603,184 5,804 SH SOLE 0 0 5,804
WASTE MGMT INC DEL COM 94106L109 458,209 2,247 SH SOLE 0 0 2,247
WELLS FARGO & CO COM 949746101 640,801 8,005 SH SOLE 0 0 8,005
WORKDAY INC CL A 98138H101 2,464,743 12,941 SH SOLE 0 0 12,941
WW GRAINGER INC COM 384802104 214,271 172 SH SOLE 0 0 172