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
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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
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 3,055,758 53,320 SH SOLE 0 0 53,320
AFFIRM HLDGS INC COM CL A 00827B106 912,105 13,175 SH SOLE 0 0 13,175
ALPHABET INC CAP STK CL A 02079K305 5,151,679 14,972 SH SOLE 0 0 14,972
ALPHABET INC CAP STK CL C 02079K107 3,707,425 10,881 SH SOLE 0 0 10,881
AMAZON COM INC COM 023135106 3,083,317 12,375 SH SOLE 0 0 12,375
APPLE INC COM 037833100 3,107,096 9,330 SH SOLE 0 0 9,330
ARROWHEAD PHARMACEUTICALS IN COM 04280A100 1,145,179 17,497 SH SOLE 0 0 17,497
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 530,815 1,066 SH SOLE 0 0 1,066
BLACKROCK MUNIHLDNGS CALI COM 09254L107 734,661 75,350 SH SOLE 0 0 75,350
BOX INC CL A 10316T104 551,616 16,476 SH SOLE 0 0 16,476
BROADCOM INC COM 11135F101 1,050,058 2,990 SH SOLE 0 0 2,990
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 544,432 10,590 SH SOLE 0 0 10,590
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 269,189 1,654 SH SOLE 0 0 1,654
INVESCO QQQ TR UNIT SER 1 46090E103 522,278 706 SH SOLE 0 0 706
ISHARES GOLD TR ISHARES NEW 464285204 1,565,386 20,043 SH SOLE 0 0 20,043
ISHARES INC MSCI AUST ETF 464286103 390,961 13,810 SH SOLE 0 0 13,810
ISHARES TR ESG MSCI KLD ETF 464288570 511,630 3,500 SH SOLE 0 0 3,500
ISHARES TR NEW YORK MUN ETF 464288323 5,526,383 109,390 SH SOLE 0 0 109,390
ISHARES TR CORE INTL AGGR 46435G672 1,477,476 30,030 SH SOLE 0 0 30,030
ISHARES TR GNMA BOND ETF 46429B333 1,905,332 45,517 SH SOLE 0 0 45,517
ISHARES TR CALIF MUN BD ETF 464288356 13,222,826 244,324 SH SOLE 0 0 244,324
ISHARES TR INTL TREA BD ETF 464288117 665,193 16,726 SH SOLE 0 0 16,726
ISHARES TR CORE S&P TTL STK 464287150 381,280 2,293 SH SOLE 0 0 2,293
ISHARES TR CORE S&P500 ETF 464287200 318,239 416 SH SOLE 0 0 416
ISHARES TR RUS 1000 VAL ETF 464287598 2,036,745 8,215 SH SOLE 0 0 8,215
ISHARES TR RUSSELL 2000 ETF 464287655 262,606 945 SH SOLE 0 0 945
ISHARES TR GLOBAL TECH ETF 464287291 207,508 1,400 SH SOLE 0 0 1,400
ISHARES TR NATIONAL MUN ETF 464288414 1,079,849 10,681 SH SOLE 0 0 10,681
META PLATFORMS INC CL A 30303M102 557,663 769 SH SOLE 0 0 769
MICROSOFT CORP COM 594918104 666,257 1,299 SH SOLE 0 0 1,299
NUVEEN AMT FREE QLTY MUN INC COM 670657105 496,505 49,900 SH SOLE 0 0 49,900
NVIDIA CORPORATION COM 67066G104 945,265 4,139 SH SOLE 0 0 4,139
OPENDOOR TECHNOLOGIES INC COM 683712103 64,082 27,039 SH SOLE 0 0 27,039
PIMCO ETF TR INV GRD CRP BD 72201R817 8,405,759 91,566 SH SOLE 0 0 91,566
PROCTER & GAMBLE CO COM 742718109 206,369 1,420 SH SOLE 0 0 1,420
SALESFORCE INC COM 79466L302 502,536 2,189 SH SOLE 0 0 2,189
SCHWAB STRATEGIC TR MUN BD ETF 808524649 4,515,746 186,910 SH SOLE 0 0 186,910
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 12,603,044 570,273 SH SOLE 0 0 570,273
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,149,577 35,231 SH SOLE 0 0 35,231
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 74,969,500 2,557,813 SH SOLE 0 0 2,557,813
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,993,472 92,022 SH SOLE 0 0 92,022
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,808,685 104,491 SH SOLE 0 0 104,491
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 15,761,045 573,755 SH SOLE 0 0 573,755
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 302,142 12,663 SH SOLE 0 0 12,663
SCHWAB STRATEGIC TR US TIPS ETF 808524870 591,259 23,528 SH SOLE 0 0 23,528
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 5,944,442 250,820 SH SOLE 0 0 250,820
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,696,778 80,960 SH SOLE 0 0 80,960
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 842,055 26,817 SH SOLE 0 0 26,817
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 366,003 9,280 SH SOLE 0 0 9,280
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 203,988 3,820 SH SOLE 0 0 3,820
SNOWFLAKE INC COM SHS 833445109 328,582 968 SH SOLE 0 0 968
SPDR INDEX SHS FDS ST S&P INTL ETF 78463X772 216,418 4,731 SH SOLE 0 0 4,731
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,353,766 1,775 SH SOLE 0 0 1,775
TESLA INC COM 88160R101 565,567 1,594 SH SOLE 0 0 1,594
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 921,841 13,141 SH SOLE 0 0 13,141
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 505,868 10,793 SH SOLE 0 0 10,793
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 1,240,815 13,770 SH SOLE 0 0 13,770
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 4,706,993 12,577 SH SOLE 0 0 12,577
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,209,588 4,580 SH SOLE 0 0 4,580
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 684,504 7,637 SH SOLE 0 0 7,637
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 505,025 6,440 SH SOLE 0 0 6,440
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,132,672 187,703 SH SOLE 0 0 187,703
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 6,655,745 42,165 SH SOLE 0 0 42,165
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,639,691 31,815 SH SOLE 0 0 31,815
VANGUARD NY TAX FREE FDS TAX EXEMPT BD 92204H400 353,344 3,630 SH SOLE 0 0 3,630
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 552,711 2,369 SH SOLE 0 0 2,369
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 33,804,264 478,746 SH SOLE 0 0 478,746
VANGUARD WORLD FD UTILITIES ETF 92204A876 307,116 1,796 SH SOLE 0 0 1,796
VANGUARD WORLD FD ENERGY ETF 92204A306 322,284 1,872 SH SOLE 0 0 1,872
VANGUARD WORLD FD ESG INTL STK ETF 921910725 513,173 6,330 SH SOLE 0 0 6,330
VANGUARD WORLD FD INF TECH ETF 92204A702 991,788 7,892 SH SOLE 0 0 7,892
WORLD GOLD TR SPDR GLD MINIS 98149E303 2,275,281 27,687 SH SOLE 0 0 27,687