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 264,688 1,612 SH SOLE 1,600 0 12
ABBVIE INC COM 00287Y109 1,157,620 4,425 SH SOLE 640 0 3,785
AGNC INVT CORP COM 00123Q104 162,805 17,950 SH SOLE 9,159 0 8,791
ALPHABET INC CAP STK CL A 02079K305 6,675,333 19,401 SH SOLE 4,033 0 15,368
ALPHABET INC CAP STK CL C 02079K107 4,644,041 13,629 SH SOLE 3,120 0 10,509
AMAZON COM INC COM 023135106 578,276 2,321 SH SOLE 0 0 2,321
AMERICAN ELEC PWR CO INC COM 025537101 313,566 2,643 SH SOLE 2,600 0 43
AMERICAN TOWER CORP COM 03027X100 662,769 4,049 SH SOLE 251 0 3,797
APPLE INC COM 037833100 16,663,248 50,037 SH SOLE 12,841 0 37,195
ARISTA NETWORKS INC COM SHS 040413205 973,564 4,782 SH SOLE 240 0 4,542
ARK ETF TR INNOVATION ETF 00214Q104 308,004 3,457 SH SOLE 35 0 3,422
AURORA INNOVATION INC CLASS A COM 051774107 65,062 11,744 SH SOLE 0 0 11,744
AUTOMATIC DATA PROCESSING IN COM 053015103 570,570 2,211 SH SOLE 1,600 0 611
BADGER METER INC COM 056525108 755,324 6,114 SH SOLE 6,114 0 0
BANK OF AMER CORP COM 060505104 1,244,215 22,859 SH SOLE 2,486 0 20,373
BLACKROCK ETF TRUST ISHA US AWAR ETF 09290C509 1,161,782 14,225 SH SOLE 735 0 13,490
BROADCOM INC COM 11135F101 1,723,014 4,906 SH SOLE 860 0 4,046
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 225,540 1,400 SH SOLE 1,400 0 0
CHEVRON CORPORATION COM 166764100 3,985,353 19,516 SH SOLE 3,773 0 15,743
COLGATE PALMOLIVE CO COM 194162103 406,464 4,764 SH SOLE 854 0 3,910
COSTCO WHOLESALE CORPORATION COM 22160K105 1,661,172 1,825 SH SOLE 211 0 1,613
CSX CORP COM 126408103 716,766 15,411 SH SOLE 0 0 15,411
DELTA AIR LINES INC COM NEW 247361702 1,272,455 15,246 SH SOLE 1,854 0 13,392
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 11,758,570 299,124 SH SOLE 31,570 0 267,554
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 12,613,002 189,841 SH SOLE 25,172 0 164,668
DISNEY WALT CO COM 254687106 253,706 2,419 SH SOLE 0 0 2,419
ELI LILLY & CO COM 532457108 2,136,490 1,846 SH SOLE 1,265 0 581
EMCOR GROUP INC COM 29084Q100 478,676 634 SH SOLE 72 0 562
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,362,888 8,374 SH SOLE 4,305 0 4,069
FIFTH THIRD BANCORP COM 316773100 456,123 9,018 SH SOLE 617 0 8,401
FIRST TR EXCH TRADED FD III CALIF MUN INCM 33739P863 1,365,596 29,536 SH SOLE 13,785 0 15,751
HOME DEPOT INC COM 437076102 835,899 2,938 SH SOLE 668 0 2,270
INTEL CORP COM 458140100 475,871 3,958 SH SOLE 3,200 0 758
INTERNATIONAL BUSINESS MACHS COM 459200101 253,765 1,154 SH SOLE 1,000 0 154
INTUIT COM 461202103 355,390 1,289 SH SOLE 0 0 1,289
INTUITIVE SURGICAL INC COM NEW 46120E602 691,279 1,700 SH SOLE 122 0 1,578
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 1,718,539 77,030 SH SOLE 33,663 0 43,367
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 1,064,577 38,075 SH SOLE 14,749 0 23,326
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 672,476 4,700 SH SOLE 0 0 4,700
INVESCO EXCHANGE TRADED FD T DORS WRI MOM ETF 46137V837 558,201 4,050 SH SOLE 4,050 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 226,960 3,568 SH SOLE 0 0 3,568
INVESCO QQQ TR UNIT SER 1 46090E103 1,610,731 2,177 SH SOLE 418 0 1,759
ISHARES INC CORE MSCI EMKT 46434G103 937,421 11,550 SH SOLE 1,947 0 9,603
ISHARES INC EMNG MKTS EQT 46434G889 9,619,210 134,459 SH SOLE 27,361 0 107,098
ISHARES INC ESG AWR MSCI EM 46434G863 529,853 9,783 SH SOLE 464 0 9,319
ISHARES TR CORE MSCI EAFE 46432F842 1,818,600 18,772 SH SOLE 3,265 0 15,507
ISHARES TR CORE S&P SCP ETF 464287804 813,724 5,982 SH SOLE 2,762 0 3,220
ISHARES TR CORE S&P US GWT 464287671 2,406,227 12,419 SH SOLE 8,725 0 3,694
ISHARES TR CORE S&P500 ETF 464287200 229,755 300 SH SOLE 0 0 300
ISHARES TR ESG AW MSCI EAFE 46435G516 233,731 2,268 SH SOLE 127 0 2,141
ISHARES TR ESG AWR MSCI USA 46435G425 849,082 5,090 SH SOLE 281 0 4,809
ISHARES TR ESG AWR MSCI USA 46436E221 324,790 8,957 SH SOLE 495 0 8,462
ISHARES TR ESG AWR US AGRGT 46435U549 297,177 6,567 SH SOLE 81 0 6,487
ISHARES TR ESG AWRE USD ETF 46435G193 801,936 36,543 SH SOLE 1,456 0 35,087
ISHARES TR ESG EAFE ETF 46436E759 357,761 4,226 SH SOLE 165 0 4,061
ISHARES TR ESG MSCI KLD ETF 464288570 749,836 5,130 SH SOLE 284 0 4,845
ISHARES TR ESG MSCI USA ETF 46436E767 699,215 10,274 SH SOLE 443 0 9,831
ISHARES TR ISHS 5-10YR INVT 464288638 750,435 14,904 SH SOLE 2,742 0 12,162
ISHARES TR MSCI ACWI EX US 464288240 1,974,455 26,110 SH SOLE 7,554 0 18,556
ISHARES TR MSCI EAFE ETF 464287465 4,805,015 46,251 SH SOLE 13,925 0 32,326
ISHARES TR MSCI EMG MKT ETF 464287234 392,123 5,871 SH SOLE 0 0 5,871
ISHARES TR RUS 1000 ETF 464287622 387,474 931 SH SOLE 0 0 931
ISHARES TR RUS 2000 VAL ETF 464287630 10,696,248 51,068 SH SOLE 6,810 0 44,258
ISHARES TR RUS MD CP GR ETF 464287481 1,833,973 13,321 SH SOLE 1,347 0 11,974
ISHARES TR RUSSELL 2000 ETF 464287655 1,025,414 3,690 SH SOLE 1,987 0 1,703
ISHARES TR RUSSELL 3000 ETF 464287689 378,134 876 SH SOLE 0 0 876
ISHARES TR S&P MC 400GR ETF 464287606 418,382 3,817 SH SOLE 3,660 0 157
ISHARES TR SELECT DIVID ETF 464287168 602,933 3,965 SH SOLE 94 0 3,871
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 18,571,396 226,039 SH SOLE 30,212 0 195,827
JOHNSON & JOHNSON COM 478160104 898,016 3,392 SH SOLE 760 0 2,632
JPMORGAN CHASE & CO COM 46625H100 4,527,233 13,684 SH SOLE 10,464 0 3,221
LAM RESEARCH CORP COM NEW 512807306 1,758,499 5,353 SH SOLE 629 0 4,724
LAZARD ACTIVE ETF TR INTL DYNAMIC EQT 52110K400 11,529,441 329,224 SH SOLE 36,237 0 292,987
LOCKHEED MARTIN CORP COM 539830109 827,196 1,624 SH SOLE 207 0 1,418
LOWES COS INC COM 548661107 495,786 2,690 SH SOLE 205 0 2,485
MARVELL TECHNOLOGY INC COM 573874104 256,548 971 SH SOLE 0 0 971
MASTERCARD INCORPORATED CL A 57636Q104 1,049,789 1,904 SH SOLE 560 0 1,344
MERCK & CO INC COM 58933Y105 1,491,607 10,265 SH SOLE 9,851 0 414
META PLATFORMS INC CL A 30303M102 8,620,247 11,887 SH SOLE 467 0 11,420
MICRON TECHNOLOGY INC COM 595112103 295,036 277 SH SOLE 0 0 277
MICROSOFT CORP COM 594918104 1,592,708 3,105 SH SOLE 572 0 2,533
NETFLIX INC. COM 64110L106 530,756 7,628 SH SOLE 635 0 6,993
NORFOLK SOUTHN CORP COM 655844108 759,522 2,458 SH SOLE 2,458 0 0
NOVO-NORDISK A S ADR 670100205 512,845 13,528 SH SOLE 1,755 0 11,773
NVIDIA CORPORATION COM 67066G104 6,631,123 29,036 SH SOLE 6,617 0 22,419
NYLIM ETF TR FTSE INTL EQTY C 45409B560 5,785,201 155,642 SH SOLE 18,876 0 136,766
PACER FDS TR US CASH COWS 100 69374H881 12,392,958 185,635 SH SOLE 21,238 0 164,397
PALANTIR TECHNOLOGIES INC CL A 69608A108 1,256,229 6,716 SH SOLE 0 0 6,716
PGIM ETF TR PGIM ULTRA SH BD 69344A107 34,459,325 696,711 SH SOLE 128,931 0 567,780
PROCTER & GAMBLE CO COM 742718109 551,554 3,796 SH SOLE 474 0 3,322
RTX CORPORATION COM 75513E101 633,058 3,410 SH SOLE 497 0 2,913
SANDISK CORP COM 80004C200 274,903 158 SH SOLE 22 0 136
SANOFI SA SPONSORED ADR 80105N105 423,395 10,269 SH SOLE 1,463 0 8,807
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 515,215 18,756 SH SOLE 0 0 18,756
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 7,143,348 133,771 SH SOLE 24,526 0 109,245
SMITH A O CORP COM 831865209 239,234 4,244 SH SOLE 4,244 0 0
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 905,160 6,000 SH SOLE 0 0 6,000
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 14,964,835 298,045 SH SOLE 42,035 0 256,010
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 522,362 21,443 SH SOLE 1 0 21,442
SPDR SERIES TRUST ST STR P400MID 78464A847 1,693,219 26,860 SH SOLE 4,910 0 21,949
SPDR SERIES TRUST ST STR P500GRW 78464A409 57,441,532 466,701 SH SOLE 59,225 0 407,476
SPDR SERIES TRUST ST STR P500VAL 78464A508 33,582,550 549,363 SH SOLE 82,029 0 467,334
SPDR SERIES TRUST ST STR PR SP1500 78464A805 27,670,754 300,606 SH SOLE 44,907 0 255,699
SPDR SERIES TRUST ST STR SP400GRW 78464A821 1,016,659 9,726 SH SOLE 4,695 0 5,031
SPDR SERIES TRUST ST STR SP600 SML 78468R853 1,480,444 28,007 SH SOLE 5,013 0 22,994
STARBUCKS CORP COM 855244109 507,747 5,404 SH SOLE 1,216 0 4,188
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 476,002 936 SH SOLE 0 0 936
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,487,957 1,951 SH SOLE 0 0 1,951
STRATEGY INC CL A NEW 594972408 328,531 2,146 SH SOLE 246 0 1,900
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 1,288,187 2,824 SH SOLE 341 0 2,483
TERADYNE INC COM 880770102 884,464 2,206 SH SOLE 325 0 1,881
TESLA INC COM 88160R101 8,121,953 22,891 SH SOLE 714 0 22,177
UNITED AIRLS HLDGS INC COM 910047109 1,449,896 13,068 SH SOLE 1,664 0 11,404
UNITEDHEALTH GROUP INC COM 91324P102 606,445 1,652 SH SOLE 183 0 1,470
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 32,686,434 53,672 SH SOLE 8,148 0 45,525
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 48,893,203 130,647 SH SOLE 13,577 0 117,069
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,451,035 4,924 SH SOLE 0 0 4,924
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 229,811 985 SH SOLE 0 0 985
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4,948,448 31,884 SH SOLE 3,751 0 28,134
VERTEX PHARMACEUTICALS INC COM 92532F100 407,266 779 SH SOLE 100 0 679
VISA INC COM CL A 92826C839 2,486,075 6,919 SH SOLE 95 0 6,823
WALMART INC COM 931142103 553,450 5,326 SH SOLE 4,886 0 440
WESTERN DIGITAL CORP COM 958102105 249,499 549 SH SOLE 137 0 412