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 248,755 2,517 SH SOLE 0 0 0 2,517
ABBVIE INC COM 00287Y109 1,088,362 4,161 SH SOLE 0 0 0 4,161
ADOBE INC COM 00724F101 267,773 1,116 SH SOLE 0 0 0 1,116
ADVANCED MICRO DEVICES INC COM 007903107 1,607,705 2,628 SH SOLE 0 0 0 2,628
ALPHABET INC CAP STK CL A 02079K305 3,636,576 10,569 SH SOLE 0 0 0 10,569
ALPHABET INC CAP STK CL C 02079K107 3,282,006 9,632 SH SOLE 0 0 0 9,632
AMAZON COM INC COM 023135106 11,039,331 44,308 SH SOLE 0 0 0 44,308
AMERICAN BEACON SELECT FUNDS GLG NAT RES ETF 02368W408 230,226 4,668 SH SOLE 0 0 0 4,668
AMGEN INC COM 031162100 382,939 908 SH SOLE 0 0 0 908
APPLE INC COM 037833100 46,170,811 138,643 SH SOLE 0 0 0 138,643
BANK OF AMER CORP COM 060505104 388,837 7,144 SH SOLE 0 0 0 7,144
BANK OF MARIN BANCORP COM 063425102 298,015 11,005 SH SOLE 0 0 0 11,005
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,208,673 8,452 SH SOLE 0 0 0 8,452
BLACKROCK INC COM 09290D101 266,689 252 SH SOLE 0 0 0 252
BP PLC SPONSORED ADR 055622104 307,094 6,981 SH SOLE 0 0 0 6,981
BROADCOM INC COM 11135F101 569,279 1,621 SH SOLE 0 0 0 1,621
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 2,588,513 52,989 SH SOLE 0 0 0 52,989
CAPITAL GROUP INTL FOCUS EQT SHS CREAT UNIT 14019W109 347,906 10,146 SH SOLE 0 0 0 10,146
CATERPILLAR INC COM 149123101 764,575 943 SH SOLE 0 0 0 943
CHARLES SCHWAB CORP (THE) COM 808513105 262,097 2,682 SH SOLE 0 0 0 2,682
CHEVRON CORPORATION COM 166764100 1,327,960 6,503 SH SOLE 0 0 0 6,503
CISCO SYS INC COM 17275R102 1,040,890 9,671 SH SOLE 0 0 0 9,671
CONSTELLATION ENERGY CORP COM 21037T109 296,187 1,166 SH SOLE 0 0 0 1,166
CORNING INC COM 219350105 491,109 3,194 SH SOLE 0 0 0 3,194
COSTCO WHOLESALE CORPORATION COM 22160K105 1,563,092 1,717 SH SOLE 0 0 0 1,717
CROWDSTRIKE HLDGS INC CL A 22788C105 869,439 3,284 SH SOLE 0 0 0 3,284
DBX ETF TR XTRACK MSCI EAFE 233051200 12,280,104 223,478 SH SOLE 0 0 0 223,478
DEERE & CO COM 244199105 592,307 882 SH SOLE 0 0 0 882
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,281,760 19,292 SH SOLE 0 0 0 19,292
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 6,486,870 116,127 SH SOLE 0 0 0 116,127
DIMENSIONAL ETF TRUST CALIF MUN BD ETF 25434V633 1,266,449 26,567 SH SOLE 0 0 0 26,567
DISNEY WALT CO COM 254687106 262,879 2,506 SH SOLE 0 0 0 2,506
ELI LILLY & CO COM 532457108 999,386 864 SH SOLE 0 0 0 864
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,694,605 10,412 SH SOLE 0 0 0 10,412
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 2,238,925 82,374 SH SOLE 0 0 0 82,374
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 242,579 14,228 SH SOLE 0 0 0 14,228
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 357,417 6,006 SH SOLE 0 0 0 6,006
FORD MTR CO COM 345370860 254,950 21,140 SH SOLE 0 0 0 21,140
FRESENIUS MEDICAL CARE AG SPONSORED ADR 358029106 297,675 13,301 SH SOLE 0 0 0 13,301
GE VERNOVA INC COM 36828A101 607,363 639 SH SOLE 0 0 0 639
GENERAL DYNAMICS CORP COM 369550108 406,824 1,226 SH SOLE 0 0 0 1,226
GILEAD SCIENCES INC COM 375558103 341,820 2,293 SH SOLE 0 0 0 2,293
HOME DEPOT INC COM 437076102 893,643 3,141 SH SOLE 0 0 0 3,141
INTEL CORP COM 458140100 2,421,673 20,142 SH SOLE 0 0 0 20,142
INTERNATIONAL BUSINESS MACHS COM 459200101 698,930 3,178 SH SOLE 0 0 0 3,178
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 2,169,384 97,238 SH SOLE 0 0 0 97,238
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 44,517,481 146,131 SH SOLE 0 0 0 146,131
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 1,001,435 14,203 SH SOLE 0 0 0 14,203
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449 1,641,328 12,719 SH SOLE 0 0 0 12,719
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 372,579 2,604 SH SOLE 0 0 0 2,604
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 358,410 5,442 SH SOLE 0 0 0 5,442
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 1,087,501 19,980 SH SOLE 0 0 0 19,980
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 211,348 1,016 SH SOLE 0 0 0 1,016
INVESCO QQQ TR UNIT SER 1 46090E103 46,475,140 62,824 SH SOLE 0 0 0 62,824
ISHARES INC MSCI EM ASIA ETF 464286426 258,060 2,227 SH SOLE 0 0 0 2,227
ISHARES INC CORE MSCI EMKT 46434G103 6,173,143 76,061 SH SOLE 0 0 0 76,061
ISHARES INC ESG AWR MSCI EM 46434G863 254,714 4,703 SH SOLE 0 0 0 4,703
ISHARES TR ESG AW MSCI EAFE 46435G516 376,133 3,650 SH SOLE 0 0 0 3,650
ISHARES TR CORE INTL AGGR 46435G672 5,125,666 104,180 SH SOLE 0 0 0 104,180
ISHARES TR ESG AWR MSCI USA 46435G425 827,230 4,959 SH SOLE 0 0 0 4,959
ISHARES TR ESG AWARE MSCI 46435U663 315,484 6,067 SH SOLE 0 0 0 6,067
ISHARES TR ESG SELECT SCRE 46436E551 422,923 8,670 SH SOLE 0 0 0 8,670
ISHARES TR ESG MSCI LEADR 46435U218 305,129 2,239 SH SOLE 0 0 0 2,239
ISHARES TR CORE MSCI TOTAL 46432F834 37,305,230 392,728 SH SOLE 0 0 0 392,728
ISHARES TR CORE MSCI EAFE 46432F842 5,814,434 60,017 SH SOLE 0 0 0 60,017
ISHARES TR CORE UNIVRSL USD 46434V613 15,076,031 341,938 SH SOLE 0 0 0 341,938
ISHARES TR HDG MSCI EAFE 46434V803 1,020,116 21,990 SH SOLE 0 0 0 21,990
ISHARES TR 0-5 YR TIPS ETF 46429B747 616,445 6,183 SH SOLE 0 0 0 6,183
ISHARES TR CORE HIGH DV ETF 46429B663 484,660 17,334 SH SOLE 0 0 0 17,334
ISHARES TR MSCI USA MIN ETF 46429B697 1,959,658 20,111 SH SOLE 0 0 0 20,111
ISHARES TR CORE S&P MCP ETF 464287507 18,873,418 262,313 SH SOLE 0 0 0 262,313
ISHARES TR S&P MC 400VL ETF 464287705 657,331 4,773 SH SOLE 0 0 0 4,773
ISHARES TR CORE S&P SCP ETF 464287804 22,594,917 166,090 SH SOLE 0 0 0 166,090
ISHARES TR S&P 500 VAL ETF 464287408 1,187,477 5,202 SH SOLE 0 0 0 5,202
ISHARES TR CORE S&P500 ETF 464287200 100,796,721 131,614 SH SOLE 0 0 0 131,614
ISHARES TR RUS 1000 ETF 464287622 5,557,047 13,354 SH SOLE 0 0 0 13,354
ISHARES TR RUS 1000 VAL ETF 464287598 506,106 2,041 SH SOLE 0 0 0 2,041
ISHARES TR RUS 1000 GRW ETF 464287614 677,829 5,411 SH SOLE 0 0 0 5,411
ISHARES TR RUSSELL 2000 ETF 464287655 12,117,057 43,604 SH SOLE 0 0 0 43,604
ISHARES TR MSCI EAFE ETF 464287465 8,729,133 84,023 SH SOLE 0 0 0 84,023
ISHARES TR RUS MID CAP ETF 464287499 9,979,185 93,517 SH SOLE 0 0 0 93,517
ISHARES TR RUS MD CP GR ETF 464287481 446,772 3,245 SH SOLE 0 0 0 3,245
ISHARES TR U.S. ENERGY ETF 464287796 268,790 4,148 SH SOLE 0 0 0 4,148
ISHARES TR ISHARES SEMICDTR 464287523 1,299,813 2,286 SH SOLE 0 0 0 2,286
ISHARES TR EXPANDED TECH 464287515 1,109,202 10,417 SH SOLE 0 0 0 10,417
ISHARES TR MSCI EMG MKT ETF 464287234 972,135 14,555 SH SOLE 0 0 0 14,555
ISHARES TR 1 3 YR TREAS BD 464287457 1,991,580 24,527 SH SOLE 0 0 0 24,527
ISHARES TR EAFE GRWTH ETF 464288885 7,146,836 59,641 SH SOLE 0 0 0 59,641
ISHARES TR US AER DEF ETF 464288760 1,804,826 8,711 SH SOLE 0 0 0 8,711
ISHARES TR CORE S&P TTL STK 464287150 478,060 2,875 SH SOLE 0 0 0 2,875
ISHARES TR CORE US AGGBD ET 464287226 8,689,610 91,915 SH SOLE 0 0 0 91,915
ISHARES TR SELECT DIVID ETF 464287168 755,391 4,967 SH SOLE 0 0 0 4,967
ISHARES TR TIPS BD ETF 464287176 5,158,391 49,581 SH SOLE 0 0 0 49,581
ISHARES TR MBS ETF 464288588 1,012,258 11,295 SH SOLE 0 0 0 11,295
ISHARES TR PFD AND INCM SEC 464288687 737,395 24,996 SH SOLE 0 0 0 24,996
ISHARES TR IBOXX HI YD ETF 464288513 4,246,754 55,003 SH SOLE 0 0 0 55,003
ISHARES TR ISHS 1-5YR INVS 464288646 16,606,143 324,149 SH SOLE 0 0 0 324,149
ISHARES TR GL TIMB FORE ETF 464288174 318,601 4,740 SH SOLE 0 0 0 4,740
ISHARES TR CORE 40 MODE ETF 464289875 4,472,890 91,770 SH SOLE 0 0 0 91,770
ISHARES TR CORE 60 BALA ETF 464289867 7,887,444 115,112 SH SOLE 0 0 0 115,112
ISHARES TR CORE 80 20 ETF 464289859 1,327,514 13,648 SH SOLE 0 0 0 13,648
ISHARES TR NATIONAL MUN ETF 464288414 798,255 7,896 SH SOLE 0 0 0 7,896
ISHARES TR CALIF MUN BD ETF 464288356 3,560,592 65,791 SH SOLE 0 0 0 65,791
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 303,251 5,394 SH SOLE 0 0 0 5,394
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 441,209 9,273 SH SOLE 0 0 0 9,273
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 7,701,254 171,980 SH SOLE 0 0 0 171,980
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274 1,574,045 34,233 SH SOLE 0 0 0 34,233
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 27,591,192 614,640 SH SOLE 0 0 0 614,640
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 701,302 13,923 SH SOLE 0 0 0 13,923
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 4,866,813 65,946 SH SOLE 0 0 0 65,946
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779 2,379,726 28,551 SH SOLE 0 0 0 28,551
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209 488,547 6,619 SH SOLE 0 0 0 6,619
J P MORGAN EXCHANGE TRADED F EQUITY FOCUS ETF 46654Q781 254,869 3,136 SH SOLE 0 0 0 3,136
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 246,388 4,022 SH SOLE 0 0 0 4,022
JOHNSON & JOHNSON COM 478160104 989,863 3,739 SH SOLE 0 0 0 3,739
JPMORGAN CHASE & CO COM 46625H100 2,446,309 7,394 SH SOLE 0 0 0 7,394
LAM RESEARCH CORP COM NEW 512807306 1,317,325 4,010 SH SOLE 0 0 0 4,010
MCDONALDS CORP COM 580135101 448,277 1,941 SH SOLE 0 0 0 1,941
MERCK & CO INC COM 58933Y105 217,529 1,497 SH SOLE 0 0 0 1,497
META PLATFORMS INC CL A 30303M102 2,298,911 3,170 SH SOLE 0 0 0 3,170
METTLER TOLEDO INTERNATIONAL COM 592688105 346,008 229 SH SOLE 0 0 0 229
MICRON TECHNOLOGY INC COM 595112103 635,871 597 SH SOLE 0 0 0 597
MICROSOFT CORP COM 594918104 4,312,548 8,408 SH SOLE 0 0 0 8,408
NEBIUS GROUP N.V. SHS CLASS A N97284108 350,282 1,485 SH SOLE 0 0 0 1,485
NETFLIX INC. COM 64110L106 418,872 6,020 SH SOLE 0 0 0 6,020
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 482,485 9,164 SH SOLE 0 0 0 9,164
NVIDIA CORPORATION COM 67066G104 4,967,608 21,752 SH SOLE 0 0 0 21,752
NYLIM ETF TR FTSE INTL EQTY C 45409B560 305,017 8,206 SH SOLE 0 0 0 8,206
ORACLE CORP COM 68389X105 662,473 4,825 SH SOLE 0 0 0 4,825
PALANTIR TECHNOLOGIES INC CL A 69608A108 238,863 1,277 SH SOLE 0 0 0 1,277
PALO ALTO NETWORKS INC COM 697435105 827,199 2,082 SH SOLE 0 0 0 2,082
PEPSICO INC COM 713448108 903,675 7,131 SH SOLE 0 0 0 7,131
PHILIP MORRIS INTL INC COM 718172109 224,023 1,174 SH SOLE 0 0 0 1,174
PIMCO ETF TR MULTISECTOR BD 72201R585 1,385,659 54,575 SH SOLE 0 0 0 54,575
PROCTER & GAMBLE CO COM 742718109 457,054 3,146 SH SOLE 0 0 0 3,146
QUANTUMSCAPE CORP COM CL A 74767V109 48,006 10,335 SH SOLE 0 0 0 10,335
ROUNDHILL ETF TRUST GLP 1 & WEIGHT L 77926X882 324,249 10,531 SH SOLE 0 0 0 10,531
RTX CORPORATION COM 75513E101 417,156 2,247 SH SOLE 0 0 0 2,247
SALESFORCE INC COM 79466L302 618,468 2,694 SH SOLE 0 0 0 2,694
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 15,648,741 533,905 SH SOLE 0 0 0 533,905
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9,892,374 360,116 SH SOLE 0 0 0 360,116
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 16,056,871 535,229 SH SOLE 0 0 0 535,229
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,659,763 204,099 SH SOLE 0 0 0 204,099
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,986,246 55,281 SH SOLE 0 0 0 55,281
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,211,971 36,385 SH SOLE 0 0 0 36,385
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,803,664 76,918 SH SOLE 0 0 0 76,918
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 257,280 12,000 SH SOLE 0 0 0 12,000
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 836,653 26,645 SH SOLE 0 0 0 26,645
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3,488,948 146,226 SH SOLE 0 0 0 146,226
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,739,900 109,029 SH SOLE 0 0 0 109,029
SCHWAB STRATEGIC TR US REIT ETF 808524847 569,328 25,832 SH SOLE 0 0 0 25,832
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 16,227,384 476,995 SH SOLE 0 0 0 476,995
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,768,620 80,028 SH SOLE 0 0 0 80,028
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 17,202,967 528,834 SH SOLE 0 0 0 528,834
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 408,858 8,205 SH SOLE 0 0 0 8,205
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 635,674 18,162 SH SOLE 0 0 0 18,162
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 253,355 6,051 SH SOLE 0 0 0 6,051
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 670,484 12,474 SH SOLE 0 0 0 12,474
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 3,730,741 118,549 SH SOLE 0 0 0 118,549
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 2,411,919 2,615 SH SOLE 0 0 0 2,615
SELECT SECTOR SPDR TR ST STR MATER ETF 81369Y100 292,005 5,996 SH SOLE 0 0 0 5,996
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 891,258 14,492 SH SOLE 0 0 0 14,492
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 15,861,338 81,029 SH SOLE 0 0 0 81,029
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 1,604,486 9,527 SH SOLE 0 0 0 9,527
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 209,844 1,928 SH SOLE 0 0 0 1,928
SPDR GOLD TR GOLD SHS 78463V107 4,294,352 11,276 SH SOLE 0 0 0 11,276
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 1,413,462 27,308 SH SOLE 0 0 0 27,308
SPDR INDEX SHS FDS ST STR ACWI ETF 78463X848 34,860,367 862,667 SH SOLE 0 0 0 862,667
SPDR INDEX SHS FDS ST STR EUROP ETF 78463X103 292,451 5,445 SH SOLE 0 0 0 5,445
SPDR SERIES TRUST SST SPDR BLOOMBE 78464A151 14,166,347 474,108 SH SOLE 0 0 0 474,108
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 32,995,150 1,354,481 SH SOLE 0 0 0 1,354,481
SPDR SERIES TRUST ST BLOO HIGH ETF 78468R622 566,837 6,111 SH SOLE 0 0 0 6,111
SPDR SERIES TRUST ST STR SP DIV 78464A763 1,173,804 8,013 SH SOLE 0 0 0 8,013
SPDR SERIES TRUST ST STR SP400VAL 78464A839 1,481,099 16,734 SH SOLE 0 0 0 16,734
SPDR SERIES TRUST ST STR SP600SM C 78464A300 718,692 7,036 SH SOLE 0 0 0 7,036
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD AN 85208R101 1,868,469 44,980 SH SOLE 0 0 0 44,980
SPROTT FOCUS TR INC COM 85208J109 282,113 29,114 SH SOLE 0 0 0 29,114
STARBUCKS CORP COM 855244109 219,810 2,339 SH SOLE 0 0 0 2,339
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 893,014 1,756 SH SOLE 0 0 0 1,756
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 21,832,688 28,628 SH SOLE 0 0 0 28,628
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 5,799,808 8,832 SH SOLE 0 0 0 8,832
STRATEGY INC CL A NEW 594972408 289,034 1,888 SH SOLE 0 0 0 1,888
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 1,283,262 2,813 SH SOLE 0 0 0 2,813
TESLA INC COM 88160R101 718,135 2,024 SH SOLE 0 0 0 2,024
TRAVELERS COMPANIES INC COM 89417E109 218,541 613 SH SOLE 0 0 0 613
TRIVAGO N V SPON ADS A SHS N 89686D303 56,397 10,661 SH SOLE 0 0 0 10,661
TRUST FOR PROFESSIONAL MANAG CONVERGENCE LNG 89834G760 950,273 27,941 SH SOLE 0 0 0 27,941
ULTRA CLEAN HLDGS INC COM 90385V107 348,558 4,300 SH SOLE 0 0 0 4,300
UNITEDHEALTH GROUP INC COM 91324P102 521,441 1,421 SH SOLE 0 0 0 1,421
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1,353,099 2,222 SH SOLE 0 0 0 2,222
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 275,425 1,250 SH SOLE 0 0 0 1,250
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 851,598 11,147 SH SOLE 0 0 0 11,147
VANGUARD BD INDEX FDS INTERMED TERM 921937819 39,216,678 538,247 SH SOLE 0 0 0 538,247
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 928,178 13,231 SH SOLE 0 0 0 13,231
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 5,571,678 118,875 SH SOLE 0 0 0 118,875
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 9,524,446 13,590 SH SOLE 0 0 0 13,590
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 2,783,394 9,529 SH SOLE 0 0 0 9,529
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 2,570,509 13,146 SH SOLE 0 0 0 13,146
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 6,405,621 18,206 SH SOLE 0 0 0 18,206
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 1,132,229 3,351 SH SOLE 0 0 0 3,351
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 1,863,697 6,551 SH SOLE 0 0 0 6,551
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 6,654,502 73,849 SH SOLE 0 0 0 73,849
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 42,646,011 197,362 SH SOLE 0 0 0 197,362
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 2,795,358 35,646 SH SOLE 0 0 0 35,646
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 455,550 1,972 SH SOLE 0 0 0 1,972
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,429,410 38,262 SH SOLE 0 0 0 38,262
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 27,970,217 74,739 SH SOLE 0 0 0 74,739
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 19,578,356 330,102 SH SOLE 0 0 0 330,102
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 9,167,902 110,497 SH SOLE 0 0 0 110,497
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,327,497 47,288 SH SOLE 0 0 0 47,288
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 559,556 11,815 SH SOLE 0 0 0 11,815
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 11,643,438 103,737 SH SOLE 0 0 0 103,737
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 200,870 2,600 SH SOLE 0 0 0 2,600
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 27,203,286 116,597 SH SOLE 0 0 0 116,597
VANGUARD STAR FDS VG TL INTL STK F 921909768 657,406 7,738 SH SOLE 0 0 0 7,738
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 17,644,946 249,893 SH SOLE 0 0 0 249,893
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,180,742 14,051 SH SOLE 0 0 0 14,051
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 321,061 3,175 SH SOLE 0 0 0 3,175
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 5,870,455 62,174 SH SOLE 0 0 0 62,174
VANGUARD WORLD FD ESG US STK ETF 921910733 1,083,936 7,998 SH SOLE 0 0 0 7,998
VANGUARD WORLD FD ESG INTL STK ETF 921910725 1,204,474 14,857 SH SOLE 0 0 0 14,857
VANGUARD WORLD FD MATERIALS ETF 92204A801 233,006 1,068 SH SOLE 0 0 0 1,068
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 255,393 808 SH SOLE 0 0 0 808
VANGUARD WORLD FD INF TECH ETF 92204A702 3,630,243 28,887 SH SOLE 0 0 0 28,887
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 263,459 822 SH SOLE 0 0 0 822
VISA INC COM CL A 92826C839 718,301 1,999 SH SOLE 0 0 0 1,999
WALMART INC COM 931142103 815,204 7,845 SH SOLE 0 0 0 7,845
WELLS FARGO & CO COM 949746101 752,870 9,405 SH SOLE 0 0 0 9,405
WISDOMTREE TR EM EX ST-OWNED 97717X578 6,592,700 140,719 SH SOLE 0 0 0 140,719
WISDOMTREE TR CLOUD COMPUTNG 97717Y691 506,935 12,483 SH SOLE 0 0 0 12,483
WISDOMTREE TR US QTLY DIV GRT 97717X669 6,360,840 65,414 SH SOLE 0 0 0 65,414
WORLD GOLD TR SPDR GLD MINIS 98149E303 6,651,320 80,936 SH SOLE 0 0 0 80,936