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 1,916,709 19,394 SH SOLE 0 0 19,394
ALLSTATE CORP COM 020002101 513,715 2,315 SH SOLE 0 0 2,315
ALPHABET INC CAP STK CL A 02079K305 627,042 1,822 SH SOLE 0 0 1,822
ALPHABET INC CAP STK CL C 02079K107 8,080,995 23,716 SH SOLE 0 0 23,716
AMAZON COM INC COM 023135106 2,211,954 8,878 SH SOLE 0 0 8,878
AMERICAN TOWER CORP COM 03027X100 237,351 1,450 SH SOLE 0 0 1,450
APPLE INC COM 037833100 18,546,843 55,693 SH SOLE 0 0 55,693
APPLIED MATLS INC COM 038222105 515,471 1,008 SH SOLE 0 0 1,008
AUTOLIV INC COM 052800109 418,021 3,736 SH SOLE 0 0 3,736
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,879,147 5,782 SH SOLE 0 0 5,782
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,494,010 2 SH SOLE 0 0 2
BLACKROCK ETF TRUST ISHA LA VALU ETF 09290C616 264,513 6,395 SH SOLE 0 0 6,395
BLACKROCK ETF TRUST II ISHA HIGH YI ETF 092528868 651,413 13,206 SH SOLE 0 0 13,206
BLACKSTONE INC COM 09260D107 319,120 2,847 SH SOLE 0 0 2,847
BLOCK H & R INC COM 093671105 227,984 5,581 SH SOLE 0 0 5,581
BRISTOL-MYERS SQUIBB CO COM 110122108 315,120 5,050 SH SOLE 0 0 5,050
BROADCOM INC COM 11135F101 551,719 1,571 SH SOLE 0 0 1,571
BROOKFIELD INFRASTRUCTURE PA LP INT UNIT G16252101 239,963 6,750 SH SOLE 0 0 6,750
CAMTEK LTD ORD M20791105 563,713 3,631 SH SOLE 0 0 3,631
CHEVRON CORPORATION COM 166764100 1,497,676 7,334 SH SOLE 0 0 7,334
CISCO SYS INC COM 17275R102 447,633 4,159 SH SOLE 0 0 4,159
CONOCOPHILLIPS COM 20825C104 832,623 6,653 SH SOLE 0 0 6,653
COSTCO WHOLESALE CORPORATION COM 22160K105 216,009 237 SH SOLE 0 0 237
CSX CORP COM 126408103 650,907 13,995 SH SOLE 0 0 13,995
DELL TECHNOLOGIES INC CL C 24703L202 209,801 390 SH SOLE 0 0 390
DTE ENERGY CO COM 233331107 1,049,672 8,618 SH SOLE 0 0 8,618
EATON CORP PLC SHS G29183103 1,305,459 3,038 SH SOLE 0 0 3,038
ELI LILLY & CO COM 532457108 1,133,938 980 SH SOLE 0 0 980
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,320,391 8,113 SH SOLE 0 0 8,113
FLEXSHARES TR NORTHERN TRUST 33939L696 1,622,002 9,034 SH SOLE 0 0 9,034
GE AEROSPACE COM NEW 369604301 644,567 2,064 SH SOLE 0 0 2,064
GE VERNOVA INC COM 36828A101 461,938 486 SH SOLE 0 0 486
GLOBAL X FDS ARTIFICIAL ETF 37954Y632 1,019,624 15,648 SH SOLE 0 0 15,648
GOLDMAN SACHS GROUP INC COM 38141G104 2,264,405 2,515 SH SOLE 0 0 2,515
HOME DEPOT INC COM 437076102 208,715 734 SH SOLE 0 0 734
INTEL CORP COM 458140100 393,633 3,274 SH SOLE 0 0 3,274
INTERNATIONAL BUSINESS MACHS COM 459200101 710,374 3,230 SH SOLE 0 0 3,230
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 2,929,597 19,327 SH SOLE 0 0 19,327
INVESCO QQQ TR UNIT SER 1 46090E103 17,124,867 23,149 SH SOLE 0 0 23,149
ISHARES INC MSCI EMERG MRKT 464286533 355,810 4,805 SH SOLE 0 0 4,805
ISHARES TR IBONDS DEC 2030 46438G687 446,250 17,850 SH SOLE 0 0 17,850
ISHARES TR TRUST ISHARE 0-1 464288679 11,689,393 105,959 SH SOLE 0 0 105,959
ISHARES TR S&P 100 ETF 464287101 16,735,996 43,802 SH SOLE 0 0 43,802
ISHARES TR RUS 2000 VAL ETF 464287630 268,724 1,283 SH SOLE 0 0 1,283
ISHARES TR MSCI EMG MKT ETF 464287234 1,098,696 16,450 SH SOLE 0 0 16,450
ISHARES TR IBONDS DEC 28 46435U325 804,881 32,016 SH SOLE 0 0 32,016
ISHARES TR CORE MSCI TOTAL 46432F834 391,499 4,121 SH SOLE 0 0 4,121
ISHARES TR US TREAS BD ETF 46429B267 395,191 18,070 SH SOLE 0 0 18,070
ISHARES TR MSCI USA MIN ETF 46429B697 1,453,903 14,921 SH SOLE 0 0 14,921
ISHARES TR CORE MSCI INTL 46435G326 335,103 3,745 SH SOLE 0 0 3,745
ISHARES TR 1 3 YR TREAS BD 464287457 11,631,278 143,242 SH SOLE 0 0 143,242
ISHARES TR MSCI EAFE MIN VL 46429B689 1,512,045 16,594 SH SOLE 0 0 16,594
ISHARES TR ESG MSCI KLD ETF 464288570 248,506 1,700 SH SOLE 0 0 1,700
ISHARES TR ESG OPTIMIZED 464288802 5,832,618 37,465 SH SOLE 0 0 37,465
ISHARES TR CALIF MUN BD ETF 464288356 966,962 17,867 SH SOLE 0 0 17,867
ISHARES TR US SML CAP EQT 46434V290 774,876 9,273 SH SOLE 0 0 9,273
ISHARES TR U.S. TECH ETF 464287721 3,637,607 13,732 SH SOLE 0 0 13,732
ISHARES TR MORNINGSTAR GRWT 464287119 497,123 4,250 SH SOLE 0 0 4,250
ISHARES TR CORE MSCI EURO 46434V738 3,712,647 50,375 SH SOLE 0 0 50,375
ISHARES TR MSCI EAFE ETF 464287465 1,278,574 12,307 SH SOLE 0 0 12,307
ISHARES TR IBONDS DEC 2029 46436E163 818,563 33,100 SH SOLE 0 0 33,100
ISHARES TR ESG AWARE MSCI 46435U663 486,200 9,350 SH SOLE 0 0 9,350
ISHARES TR HDG MSCI EAFE 46434V803 5,159,357 111,217 SH SOLE 0 0 111,217
ISHARES TR INTL DIV GRWTH 46435G524 887,600 10,000 SH SOLE 0 0 10,000
ISHARES TR US HLTHCARE ETF 464287762 357,800 5,000 SH SOLE 0 0 5,000
ISHARES TR ESG AW MSCI EAFE 46435G516 11,573,328 112,308 SH SOLE 0 0 112,308
ISHARES TR IBONDS DEC 27 46435U283 818,611 32,433 SH SOLE 0 0 32,433
ISHARES TR CORE S&P500 ETF 464287200 17,958,751 23,449 SH SOLE 0 0 23,449
ISHARES TR IBONDS DEC 26 46435U259 768,033 29,954 SH SOLE 0 0 29,954
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 14,382,854 284,471 SH SOLE 0 0 284,471
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274 15,905,964 345,932 SH SOLE 0 0 345,932
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852 4,560,722 97,660 SH SOLE 0 0 97,660
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 25,426,305 344,530 SH SOLE 0 0 344,530
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 44,315,672 879,803 SH SOLE 0 0 879,803
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 786,337 17,560 SH SOLE 0 0 17,560
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609 203,784 2,110 SH SOLE 0 0 2,110
JOHNSON & JOHNSON COM 478160104 1,578,909 5,964 SH SOLE 0 0 5,964
JPMORGAN CHASE & CO COM 46625H100 4,781,817 14,454 SH SOLE 0 0 14,454
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303 412,348 16,879 SH SOLE 0 0 16,879
KROGER CO COM 501044101 1,367,605 23,330 SH SOLE 0 0 23,330
LOCKHEED MARTIN CORP COM 539830109 377,864 742 SH SOLE 0 0 742
MASTERCARD INCORPORATED CL A 57636Q104 2,591,909 4,700 SH SOLE 0 0 4,700
MCKESSON CORP COM 58155Q103 2,557,161 2,995 SH SOLE 0 0 2,995
MERCK & CO INC COM 58933Y105 1,754,618 12,075 SH SOLE 0 0 12,075
META PLATFORMS INC CL A 30303M102 925,330 1,276 SH SOLE 0 0 1,276
MICROSOFT CORP COM 594918104 6,365,715 12,411 SH SOLE 0 0 12,411
MORGAN STANLEY COM NEW 617446448 293,405 1,560 SH SOLE 0 0 1,560
NETFLIX INC. COM 64110L106 396,606 5,700 SH SOLE 0 0 5,700
NORFOLK SOUTHN CORP COM 655844108 536,115 1,735 SH SOLE 0 0 1,735
NVIDIA CORPORATION COM 67066G104 3,819,297 16,723 SH SOLE 0 0 16,723
ORACLE CORP COM 68389X105 687,461 5,007 SH SOLE 0 0 5,007
PEPSICO INC COM 713448108 682,387 5,385 SH SOLE 0 0 5,385
PFIZER INC COM 717081103 590,621 20,709 SH SOLE 0 0 20,709
PHILIP MORRIS INTL INC COM 718172109 209,139 1,096 SH SOLE 0 0 1,096
PHILLIPS 66 COM 718546104 981,156 3,843 SH SOLE 0 0 3,843
PIMCO ETF TR MULTISECTOR BD 72201R585 717,370 28,254 SH SOLE 0 0 28,254
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 14,837,693 147,565 SH SOLE 0 0 147,565
PROCTER & GAMBLE CO COM 742718109 222,278 1,530 SH SOLE 0 0 1,530
QUALCOMM INC COM 747525103 862,780 4,688 SH SOLE 0 0 4,688
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 4,879,856 139,424 SH SOLE 0 0 139,424
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 3,457,222 109,858 SH SOLE 0 0 109,858
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 494,550 16,485 SH SOLE 0 0 16,485
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 1,080,540 5,520 SH SOLE 0 0 5,520
SLB LIMITED COM STK 806857108 399,748 8,205 SH SOLE 0 0 8,205
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 229,209 4,565 SH SOLE 0 0 4,565
STAGWELL INC COM CL A 85256A109 934,562 114,811 SH SOLE 0 0 114,811
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,537,464 2,016 SH SOLE 0 0 2,016
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 524,055 798 SH SOLE 0 0 798
TARGA RES CORP COM 87612G101 335,184 1,240 SH SOLE 0 0 1,240
TESLA INC COM 88160R101 229,562 647 SH SOLE 0 0 647
THE CIGNA GROUP COM 125523100 253,617 933 SH SOLE 0 0 933
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 2,242,947 3,683 SH SOLE 0 0 3,683
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 16,187,514 206,421 SH SOLE 0 0 206,421
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 23,405,076 259,739 SH SOLE 0 0 259,739
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 562,791 803 SH SOLE 0 0 803
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 21,108,380 74,197 SH SOLE 0 0 74,197
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 5,092,380 22,042 SH SOLE 0 0 22,042
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,264,050 14,103 SH SOLE 0 0 14,103
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 13,329,967 61,690 SH SOLE 0 0 61,690
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 724,408 2,480 SH SOLE 0 0 2,480
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 3,831,843 10,239 SH SOLE 0 0 10,239
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 2,190,132 11,201 SH SOLE 0 0 11,201
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,419,824 23,939 SH SOLE 0 0 23,939
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 22,778,502 97,632 SH SOLE 0 0 97,632
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,761,115 32,499 SH SOLE 0 0 32,499
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 52,772,179 747,375 SH SOLE 0 0 747,375
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 1,132,858 11,202 SH SOLE 0 0 11,202
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 1,309,597 13,870 SH SOLE 0 0 13,870
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 249,998 780 SH SOLE 0 0 780
VERIZON COMMUNICATIONS INC COM 92343V104 411,610 8,973 SH SOLE 0 0 8,973
VISA INC COM CL A 92826C839 3,572,641 9,943 SH SOLE 0 0 9,943
WALMART INC COM 931142103 228,214 2,196 SH SOLE 0 0 2,196
WASTE MGMT INC DEL COM 94106L109 1,117,482 5,480 SH SOLE 0 0 5,480
WISDOMTREE TR US QTLY DIV GRT 97717X669 5,326,247 54,774 SH SOLE 0 0 54,774
WP CAREY INC COM 92936U109 905,014 14,003 SH SOLE 0 0 14,003