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
3M CO COM 88579Y101 49,245 300 SH SOLE 0 0 300
ABBOTT LABS COM 002824100 13,046 132 SH SOLE 0 0 132
ABBVIE INC COM 00287Y109 63,351 242 SH SOLE 0 0 242
AMAZON.COM INC COM 023135106 34,881 140 SH SOLE 0 0 140
AMGEN INC COM 031162100 131,090 311 SH SOLE 0 0 311
APPLE INC COM 037833100 3,376,823 10,140 SH SOLE 0 0 10,140
ASML HOLDING N V N Y REGISTRY SHS N07059210 47,103 26 SH SOLE 0 0 26
AT&T INC COM 00206R102 96,331 3,948 SH SOLE 0 0 3,948
AVANTIS EMERGING MARKETS EQUITY ETF SHARES 025072604 308,104 3,277 SH SOLE 0 0 3,277
BANK OF AMERICA CORP COM 060505104 62,322 1,145 SH SOLE 0 0 1,145
BECTON DICKINSON & CO COM 075887109 8,950 50 SH SOLE 0 0 50
CARBON COLLECTIVE CLIMATE SOLUTIONS U.S. EQUITY ETF SHARES 88634T105 9,253 377 SH SOLE 0 0 377
CATERPILLAR INC COM 149123101 368,099 454 SH SOLE 0 0 454
CHEVRON CORP NEW COM 166764100 68,615 336 SH SOLE 0 0 336
CISCO SYS INC COM 17275R102 451,077 4,191 SH SOLE 0 0 4,191
COLGATE PALMOLIVE CO COM 194162103 25,596 300 SH SOLE 0 0 300
COMCAST CORP NEW CLASS A COM 20030N101 1,037 48 SH SOLE 0 0 48
DAQO NEW ENERGY CORP SHARES 23703Q203 34 3 SH SOLE 0 0 3
WALT DISNEY CO COM 254687106 29,792 284 SH SOLE 0 0 284
DOMINION ENERGY INC COM 25746U109 17,490 289 SH SOLE 0 0 289
DUKE ENERGY CORP NEW COM 26441C204 39,675 348 SH SOLE 0 0 348
EDWARDS LIFESCIENCES CORP COM 28176E108 62,150 720 SH SOLE 0 0 720
EMERSON ELEC CO COM 291011104 118,652 765 SH SOLE 0 0 765
EXXONMOBIL HOLDINGS CORP COM 30233Q108 135,571 833 SH SOLE 0 0 833
FIRST TRUST DOW JONES INTERNET INDEX FUND SHARES 33733E302 96,054 333 SH SOLE 0 0 333
FIRST TRUST NYSE ARCA BIOTECHNOLOGY INDEX FUND SHARES 33733E203 69,426 255 SH SOLE 0 0 255
FIRST TRUST UTILITIES ALPHADEX FUND SHARES 33734X184 70,931 1,615 SH SOLE 0 0 1,615
FRANKLIN FTSE INDIA ETF SHARES 35473P769 874,558 26,114 SH SOLE 0 0 26,114
GE VERNOVA INC COM 36828A101 11,406 12 SH SOLE 0 0 12
GENERAL MTRS CO COM 37045V100 20,790 270 SH SOLE 0 0 270
HOME DEPOT INC COM 437076102 146,228 514 SH SOLE 0 0 514
IBM CORP COM 459200101 67,299 306 SH SOLE 0 0 306
IMGP DBI MANAGED FUTURES STRATEGY ETF SHARES 53700T827 5,099,045 156,749 SH SOLE 0 0 156,749
INVESCO BUYBACK ACHIEVERS ETF SHARES 46137V308 12,305 86 SH SOLE 0 0 86
INVESCO PHARMACEUTICALS ETF SHARES 46137V662 35,020 284 SH SOLE 0 0 284
INVESCO QQQ TR SHARES 46090E103 171,627 232 SH SOLE 0 0 232
INVESCO RAFI US 1000 ETF SHARES 46137V613 23,895 439 SH SOLE 0 0 439
INVESCO S&P 500 QUALITY ETF SHARES 46137V241 4,489,956 53,401 SH SOLE 0 0 53,401
INVESCO VARIABLE RATE PREFERRED ETF SHARES 46138G870 4,011,874 169,206 SH SOLE 0 0 169,206
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF SHARES 464288646 10,105,220 197,252 SH SOLE 0 0 197,252
ISHARES BIOTECHNOLOGY ETF SHARES 464287556 14,316 68 SH SOLE 0 0 68
ISHARES CONVERTIBLE BOND ETF SHARES 46435G102 4,478,325 39,654 SH SOLE 0 0 39,654
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF SHARES 46435G672 50,578 1,028 SH SOLE 0 0 1,028
ISHARES CORE S&P SMALL-CAP ETF SHARES 464287804 99,989 735 SH SOLE 0 0 735
ISHARES CORE S&P 500 ETF SHARES 464287200 595,831 778 SH SOLE 0 0 778
ISHARES CORE S&P MID-CAP ETF SHARES 464287507 76,699 1,066 SH SOLE 0 0 1,066
ISHARES CORE S&P U.S. GROWTH ETF SHARES 464287671 367,931 1,899 SH SOLE 0 0 1,899
ISHARES CORE S&P U.S. VALUE ETF SHARES 464287663 355,763 3,226 SH SOLE 0 0 3,226
ISHARES CORE UNIVERSAL USD BOND ETF SHARES 46434V613 2,620,401 59,433 SH SOLE 0 0 59,433
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF SHARES 46435U663 5,252 101 SH SOLE 0 0 101
ISHARES ESG OPTIMIZED MSCI USA ETF SHARES 464288802 7,940 51 SH SOLE 0 0 51
ISHARES FALLEN ANGELS USD BOND ETF SHARES 46435G474 11,254 434 SH SOLE 0 0 434
ISHARES GLOBAL INFRASTRUCTURE ETF SHARES 464288372 58,728 954 SH SOLE 0 0 954
ISHARES GLOBAL EQUITY FACTOR ETF SHARES 46434V316 190,987 3,149 SH SOLE 0 0 3,149
ISHARES GSCI COMMODITY DYNAMIC ROLL STRATEGY ETF SHARES 46431W853 37 1 SH SOLE 0 0 1
ISHARES LOW CARBON OPTIMIZED MSCI ACWI ETF SHARES 46434V464 8,709 34 SH SOLE 0 0 34
ISHARES MSCI EAFE ETF SHARES 464287465 190,638 1,835 SH SOLE 0 0 1,835
ISHARES MSCI USA MOMENTUM FACTOR ETF SHARES 46432F396 266,248 839 SH SOLE 0 0 839
ISHARES RUSSELL 1000 GROWTH ETF SHARES 464287614 489,641 3,909 SH SOLE 0 0 3,909
ISHARES RUSSELL 2000 VALUE ETF SHARES 464287630 13,405 64 SH SOLE 0 0 64
ISHARES RUSSELL MID-CAP ETF SHARES 464287499 103,722 972 SH SOLE 0 0 972
ISHARES S&P MID-CAP 400 GROWTH ETF SHARES 464287606 11,290 103 SH SOLE 0 0 103
ISHARES SELECT DIVIDEND ETF SHARES 464287168 160,282 1,054 SH SOLE 0 0 1,054
ISHARES SHORT-TERM CALIFORNIA MUNI ACTIVE ETF SHARES 092528884 561,608 11,275 SH SOLE 0 0 11,275
ISHARES U.S. ENERGY ETF SHARES 464287796 65 1 SH SOLE 0 0 1
ISHARES ULTRA SHORT DURATION BOND ACTIVE ETF SHARES 46434V878 6,254,035 124,088 SH SOLE 0 0 124,088
JOHNSON & JOHNSON COM 478160104 176,317 666 SH SOLE 0 0 666
JPMORGAN CHASE & CO COM 46625H100 96,602 292 SH SOLE 0 0 292
JPMORGAN INTERNATIONAL BOND OPPORTUNITIES ETF SHARES 46641Q852 5,332,019 114,176 SH SOLE 0 0 114,176
LOCKHEED MARTIN CORP COM 539830109 168,053 330 SH SOLE 0 0 330
MCDONALDS CORP COM 580135101 65,125 282 SH SOLE 0 0 282
MERCK & CO. INC. COM 58933Y105 138,045 950 SH SOLE 0 0 950
MICRON TECHNOLOGY INC COM 595112103 28,758 27 SH SOLE 0 0 27
MICROSOFT CORP COM 594918104 166,693 325 SH SOLE 0 0 325
NEXTERA ENERGY INC COM 65339F101 203,135 2,682 SH SOLE 0 0 2,682
NORTHERN TRUST INTERNATIONAL QUALITY DIVIDEND ETF SHARES 33939L837 199,795 5,808 SH SOLE 0 0 5,808
NOVO NORDISK A/S SHARES 670100205 191,900 5,062 SH SOLE 0 0 5,062
NUVEEN CA QUALITY MUNI I SHARES 67066Y105 5,043 492 SH SOLE 0 0 492
NUVEEN ESG INTERNATIONAL DEVELOPED MARKETS EQUITY ETF SHARES 67092P805 9,411 237 SH SOLE 0 0 237
NUVEEN ESG LARGE-CAP VALUE ETF SHARES 67092P300 11,899 226 SH SOLE 0 0 226
NVIDIA CORP COM 67066G104 105,055 460 SH SOLE 0 0 460
PEPSICO INC COM 713448108 46,380 366 SH SOLE 0 0 366
PHILIP MORRIS INTL INC COM 718172109 53,239 279 SH SOLE 0 0 279
PHILLIPS 66 COM 718546104 12,766 50 SH SOLE 0 0 50
PIMCO ACTIVE BOND EXCHANGE-TRADED FUND SHARES 72201R775 10,352 119 SH SOLE 0 0 119
PROCTER & GAMBLE CO COM 742718109 117,677 810 SH SOLE 0 0 810
SCHWAB FUNDAMENTAL EMERGING MARKETS EQUITY ETF SHARES 808524730 9,756 233 SH SOLE 0 0 233
SCHWAB U.S. TIPS ETF SHARES 808524870 19,953 794 SH SOLE 0 0 794
STATE STREET SPDR BLOOMBERG 1-3 MONTH T-BILL ETF SHARES 78468R663 26,301 287 SH SOLE 0 0 287
STATE STREET SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF SHARES 78464A359 54,232 536 SH SOLE 0 0 536
STATE STREET SPDR PORTFOLIO EMERGING MARKETS ETF SHARES 78463X509 2,710,516 52,367 SH SOLE 0 0 52,367
STATE STREET SPDR PORTFOLIO S&P 500 ETF SHARES 78464A854 8,452,340 94,166 SH SOLE 0 0 94,166
STATE STREET SPDR PORTFOLIO S&P 500 GROWTH ETF SHARES 78464A409 698,479 5,675 SH SOLE 0 0 5,675
STATE STREET SPDR PORTFOLIO S&P 600 SMALL CAP ETF SHARES 78468R853 1,474,213 27,889 SH SOLE 0 0 27,889
STATE STREET SPDR PORTFOLIO SHORT TERM TREASURY ETF SHARES 78468R101 106,738 3,723 SH SOLE 0 0 3,723
STATE STREET SPDR S&P 400 MID CAP GROWTH ETF SHARES 78464A821 199,130 1,905 SH SOLE 0 0 1,905
STATE STREET SPDR S&P 500 ETF TRUST SHARES 78462F103 221,163 290 SH SOLE 0 0 290
STATE STREET SPDR S&P 500 FOSSIL FUEL RESERVES FREE ETF SHARES 78468R796 11,809 189 SH SOLE 0 0 189
STATE STREET SPDR S&P 600 SMALL CAP GROWTH ETF SHARES 78464A201 100,017 935 SH SOLE 0 0 935
STATE STREET SPDR S&P AEROSPACE & DEFENSE ETF SHARES 78464A631 13,413 58 SH SOLE 0 0 58
STATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF SHARES 81369Y803 120,974 618 SH SOLE 0 0 618
THE CIGNA GROUP COM 125523100 29,901 110 SH SOLE 0 0 110
THE COCA-COLA CO COM 191216100 17,216 200 SH SOLE 0 0 200
TJX COS INC NEW COM 872540109 508,600 3,844 SH SOLE 0 0 3,844
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND ETF SHARES SHARES 921937819 7,823,343 107,375 SH SOLE 0 0 107,375
VANGUARD EXTENDED MARKET INDEX FUND ETF SHARES SHARES 922908652 22,931 99 SH SOLE 0 0 99
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF SHARES SHARES 922042775 23,232 280 SH SOLE 0 0 280
VANGUARD FTSE DEVELOPED MARKETS INDEX FUND ETF SHARES SHARES 921943858 11,841,332 167,701 SH SOLE 0 0 167,701
VANGUARD FTSE EMERGING MARKETS INDEX FUND ETF SHARES SHARES 922042858 76,629 1,292 SH SOLE 0 0 1,292
VANGUARD FTSE EUROPE ETF SHARES 922042874 226,548 2,610 SH SOLE 0 0 2,610
VANGUARD HIGH DIVIDEND YIELD INDEX FUND ETF SHARES SHARES 921946406 338,336 2,180 SH SOLE 0 0 2,180
VANGUARD LONG-TERM TREAS INDEX FD ETF SHS SHARES 92206C847 1,454 29 SH SOLE 0 0 29
VANGUARD MORNINGSTAR GROWTH ETF SHARES 922908736 2,081,676 23,102 SH SOLE 0 0 23,102
VANGUARD MORNINGSTAR MEGA CAP GROWTH ETF SHARES 921910816 9,265 100 SH SOLE 0 0 100
VANGUARD MORNINGSTAR MID-CAP VALUE ETF SHARES 922908512 132,765 679 SH SOLE 0 0 679
VANGUARD MORNINGSTAR SMALL-CAP ETF SHARES 922908751 1,372,664 4,825 SH SOLE 0 0 4,825
VANGUARD MORNINGSTAR SMALL-CAP VALUE ETF SHARES 922908611 275,388 1,192 SH SOLE 0 0 1,192
VANGUARD MORNINGSTAR TOTAL STOCK MARKET ETF SHARES 922908769 44,160 118 SH SOLE 0 0 118
VANGUARD MORNINGSTAR VALUE ETF SHARES 922908744 4,676,019 21,640 SH SOLE 0 0 21,640
VANGUARD RUSSELL 1000 GROWTH INDEX FUND ETF SHARES SHARES 92206C680 266,756 2,069 SH SOLE 0 0 2,069
VANGUARD S&P 500 GROWTH INDEX FUND ETF SHARES SHARES 921932505 1,594,458 18,653 SH SOLE 0 0 18,653
VANGUARD SHORT TERM CORP BD ETF SHARES 92206C409 170,800 2,211 SH SOLE 0 0 2,211
VANGUARD SHORT-TERM BOND INDEX FUND ETF SHARES SHARES 921937827 153 2 SH SOLE 0 0 2
VANGUARD TOTAL INTERNATIONAL BOND INDEX FUND ETF SHARES SHARES 92203J407 17,904 382 SH SOLE 0 0 382
VANGUARD TOTAL BOND MARKET INDEX FUND ETF SHARES SHARES 921937835 138,055 1,968 SH SOLE 0 0 1,968
VANGUARD TOTAL WORLD BOND ETF SHARES 92206C565 132 2 SH SOLE 0 0 2
VERIZON COMMUNICATIONS INC COM 92343V104 6,055 132 SH SOLE 0 0 132
XPLR INFRASTRUCTURE L LP SHARES 65341B106 21 2 SH SOLE 0 0 2
XTRACKERS EMERGING MARKETS CARBON REDUCTION AND CLIMATE IMPROVERS ETF SHARES 233051192 6,512 151 SH SOLE 0 0 151