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 585,469 5,924 SH SOLE 0 0 5,924
ABBVIE INC COM 00287Y109 1,403,779 5,366 SH SOLE 0 0 5,366
ADVANCED MICRO DEVICES INC COM 007903107 2,564,498 4,192 SH SOLE 0 0 4,192
ALPHABET INC CAP STK CL A 02079K305 5,043,586 14,658 SH SOLE 0 0 14,658
ALPHABET INC CAP STK CL C 02079K107 6,434,041 18,882 SH SOLE 0 0 18,882
AMAZON COM INC COM 023135106 6,808,180 27,325 SH SOLE 0 0 27,325
AMERICAN EXPRESS CO COM 025816109 429,636 1,412 SH SOLE 0 0 1,412
AMGEN INC COM 031162100 692,962 1,644 SH SOLE 0 0 1,644
APPLE INC COM 037833100 12,331,538 37,029 SH SOLE 0 0 37,029
APPLIED MATLS INC COM 038222105 941,962 1,842 SH SOLE 0 0 1,842
AT&T INC COM 00206R102 488,659 20,027 SH SOLE 0 0 20,027
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 276,443 9,919 SH SOLE 0 0 9,919
BANK OF AMER CORP COM 060505104 1,134,648 20,846 SH SOLE 0 0 20,846
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,251,730 4,522 SH SOLE 0 0 4,522
BLACKROCK ETF TRUST ISHA US AWAR ETF 09290C509 364,003 4,457 SH SOLE 0 0 4,457
BLACKROCK ETF TRUST II ISHA SH TERM ETF 092528884 3,970,206 79,707 SH SOLE 0 0 79,707
BOEING CO COM 097023105 352,193 1,893 SH SOLE 0 0 1,893
BROADCOM INC COM 11135F101 4,494,295 12,797 SH SOLE 0 0 12,797
CATERPILLAR INC COM 149123101 1,373,617 1,694 SH SOLE 0 0 1,694
CHARLES SCHWAB CORP (THE) COM 808513105 369,946 3,785 SH SOLE 0 0 3,785
CHEVRON CORPORATION COM 166764100 951,823 4,661 SH SOLE 0 0 4,661
CISCO SYS INC COM 17275R102 1,368,121 12,711 SH SOLE 0 0 12,711
CITIGROUP INC COM NEW 172967424 669,930 5,174 SH SOLE 0 0 5,174
COCA COLA CO COM 191216100 934,140 10,851 SH SOLE 0 0 10,851
COSTCO WHOLESALE CORPORATION COM 22160K105 913,010 1,002 SH SOLE 0 0 1,002
CROWDSTRIKE HLDGS INC CL A 22788C105 390,771 1,476 SH SOLE 0 0 1,476
DISNEY WALT CO COM 254687106 481,102 4,586 SH SOLE 0 0 4,586
ELI LILLY & CO COM 532457108 2,175,545 1,880 SH SOLE 0 0 1,880
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,710,828 10,512 SH SOLE 0 0 10,512
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 338,490 14,515 SH SOLE 0 0 14,515
GE AEROSPACE COM NEW 369604301 1,187,327 3,802 SH SOLE 0 0 3,802
GE VERNOVA INC COM 36828A101 737,580 776 SH SOLE 0 0 776
GILEAD SCIENCES INC COM 375558103 587,853 3,944 SH SOLE 0 0 3,944
GOLDMAN SACHS GROUP INC COM 38141G104 739,196 821 SH SOLE 0 0 821
HOME DEPOT INC COM 437076102 782,063 2,749 SH SOLE 0 0 2,749
HONEYWELL INTL INC COM 438516205 230,768 1,094 SH SOLE 0 0 1,094
INTEL CORP COM 458140100 1,123,068 9,341 SH SOLE 0 0 9,341
INTERNATIONAL BUSINESS MACHS COM 459200101 551,365 2,507 SH SOLE 0 0 2,507
INTUITIVE SURGICAL INC COM NEW 46120E602 385,079 947 SH SOLE 0 0 947
INVESCO EXCH TRADED FD TR II SHORT TERM ETF 46138G888 376,849 3,570 SH SOLE 0 0 3,570
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 2,751,982 108,774 SH SOLE 0 0 108,774
ISHARES TR 3 7 YR TREAS BD 464288661 8,915,363 78,591 SH SOLE 0 0 78,591
ISHARES TR A RATE CP BD ETF 46429B291 5,225,678 116,152 SH SOLE 0 0 116,152
ISHARES TR CALIF MUN BD ETF 464288356 2,063,000 38,119 SH SOLE 0 0 38,119
ISHARES TR CORE S&P MCP ETF 464287507 3,504,469 48,707 SH SOLE 0 0 48,707
ISHARES TR CORE US AGGBD ET 464287226 21,965,045 232,336 SH SOLE 0 0 232,336
ISHARES TR ESG AW MSCI EAFE 46435G516 6,338,296 61,507 SH SOLE 0 0 61,507
ISHARES TR ESG AWARE MSCI 46435U663 2,228,148 42,849 SH SOLE 0 0 42,849
ISHARES TR ESG AWR MSCI USA 46435G425 329,930 1,978 SH SOLE 0 0 1,978
ISHARES TR ESG MSCI KLD ETF 464288570 246,459 1,686 SH SOLE 0 0 1,686
ISHARES TR FLTG RATE NT ETF 46429B655 2,980,452 58,383 SH SOLE 0 0 58,383
ISHARES TR IBDS DEC28 ETF 46435U515 1,648,059 66,027 SH SOLE 0 0 66,027
ISHARES TR IBON 2027 TE ETF 46436E478 730,893 33,558 SH SOLE 0 0 33,558
ISHARES TR IBON 2030 TE ETF 46436E122 718,664 28,029 SH SOLE 0 0 28,029
ISHARES TR IBON 2031 TE ETF 46438G661 712,632 28,910 SH SOLE 0 0 28,910
ISHARES TR IBON 2032 TE ETF 46438G364 711,074 29,059 SH SOLE 0 0 29,059
ISHARES TR IBONDS 27 ETF 46435UAA9 1,674,458 69,421 SH SOLE 0 0 69,421
ISHARES TR IBONDS 28 TR HI 46436E387 728,919 31,514 SH SOLE 0 0 31,514
ISHARES TR IBONDS 29 TR HI 46436E379 723,620 31,696 SH SOLE 0 0 31,696
ISHARES TR IBONDS DEC 2030 46436E726 1,638,435 77,504 SH SOLE 0 0 77,504
ISHARES TR IBONDS DEC 2031 46436E486 1,618,641 80,690 SH SOLE 0 0 80,690
ISHARES TR IBONDS DEC 2032 46436E312 1,607,106 66,768 SH SOLE 0 0 66,768
ISHARES TR IBONDS DEC 2033 46436E130 1,606,451 65,623 SH SOLE 0 0 65,623
ISHARES TR IBONDS DEC 29 46436E205 1,639,110 72,239 SH SOLE 0 0 72,239
ISHARES TR JPMORGAN USD EMG 464288281 2,204,142 24,264 SH SOLE 0 0 24,264
ISHARES TR RUS 1000 VAL ETF 464287598 549,909 2,218 SH SOLE 0 0 2,218
ISHARES TR RUS 2000 GRW ETF 464287648 288,732 809 SH SOLE 0 0 809
ISHARES TR RUS 2000 VAL ETF 464287630 204,842 978 SH SOLE 0 0 978
ISHARES TR RUS MD CP GR ETF 464287481 204,592 1,486 SH SOLE 0 0 1,486
ISHARES TR S&P 100 ETF 464287101 1,351,035 3,536 SH SOLE 0 0 3,536
JOHNSON & JOHNSON COM 478160104 1,922,542 7,262 SH SOLE 0 0 7,262
JOHNSON CONTROLS INTERNATION SHS G51502105 396,004 2,664 SH SOLE 0 0 2,664
JPMORGAN CHASE & CO COM 46625H100 2,746,220 8,301 SH SOLE 0 0 8,301
LAM RESEARCH CORP COM NEW 512807306 883,692 2,690 SH SOLE 0 0 2,690
LINDE PLC SHS G54950103 523,064 1,102 SH SOLE 0 0 1,102
MASTERCARD INCORPORATED CL A 57636Q104 1,544,305 2,800 SH SOLE 0 0 2,800
MCDONALDS CORP COM 580135101 449,409 1,946 SH SOLE 0 0 1,946
MERCK & CO INC COM 58933Y105 995,374 6,850 SH SOLE 0 0 6,850
META PLATFORMS INC CL A 30303M102 4,046,504 5,580 SH SOLE 0 0 5,580
MICRON TECHNOLOGY INC COM 595112103 2,744,788 2,577 SH SOLE 0 0 2,577
MICROSOFT CORP COM 594918104 9,502,811 18,527 SH SOLE 0 0 18,527
MITSUBISHI UFJ FINANCIAL GRO SPONSORED ADS 606822104 236,283 10,242 SH SOLE 0 0 10,242
MORGAN STANLEY COM NEW 617446448 711,883 3,785 SH SOLE 0 0 3,785
NETFLIX INC. COM 64110L106 843,088 12,116 SH SOLE 0 0 12,116
NEWMONT CORP COM 651639106 229,527 1,990 SH SOLE 0 0 1,990
NEXTERA ENERGY INC COM 65339F101 751,720 9,925 SH SOLE 0 0 9,925
NVIDIA CORPORATION COM 67066G104 13,342,416 58,422 SH SOLE 0 0 58,422
ORACLE CORP COM 68389X105 601,374 4,380 SH SOLE 0 0 4,380
PALANTIR TECHNOLOGIES INC CL A 69608A108 993,423 5,311 SH SOLE 0 0 5,311
PALO ALTO NETWORKS INC COM 697435105 298,777 752 SH SOLE 0 0 752
PEPSICO INC COM 713448108 527,535 4,163 SH SOLE 0 0 4,163
PFIZER INC COM 717081103 462,867 16,229 SH SOLE 0 0 16,229
PHILIP MORRIS INTL INC COM 718172109 1,044,230 5,472 SH SOLE 0 0 5,472
PIMCO ETF TR INTER MUN BD ACT 72201R866 379,681 7,641 SH SOLE 0 0 7,641
PNC FINL SVCS GROUP INC COM 693475105 240,041 1,080 SH SOLE 0 0 1,080
PROCTER & GAMBLE CO COM 742718109 988,340 6,803 SH SOLE 0 0 6,803
PUTNAM ETF TRUST FRANKLIN SHT TRM 746729730 100,647 10,344 SH SOLE 0 0 10,344
QUALCOMM INC COM 747525103 834,437 4,534 SH SOLE 0 0 4,534
RTX CORPORATION COM 75513E101 979,304 5,275 SH SOLE 0 0 5,275
SERVICENOW INC COM 81762P102 340,117 2,538 SH SOLE 0 0 2,538
SHOPIFY INC CL A SUB VTG SHS 82509L107 294,672 1,987 SH SOLE 0 0 1,987
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 13,602,839 262,806 SH SOLE 0 0 262,806
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 22,669,562 451,494 SH SOLE 0 0 451,494
SPDR SERIES TRUST ST INTER BD ETF 78464A375 16,681,755 516,783 SH SOLE 0 0 516,783
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 9,145,722 309,081 SH SOLE 0 0 309,081
SPDR SERIES TRUST ST STR P400MID 78464A847 13,371,288 212,108 SH SOLE 0 0 212,108
SPDR SERIES TRUST ST STR P500GRW 78464A409 10,587,649 86,022 SH SOLE 0 0 86,022
SPDR SERIES TRUST ST STR P500VAL 78464A508 6,738,880 110,238 SH SOLE 0 0 110,238
SPDR SERIES TRUST ST STR SP400GRW 78464A821 242,614 2,321 SH SOLE 0 0 2,321
SPDR SERIES TRUST ST STR SP400VAL 78464A839 271,726 3,070 SH SOLE 0 0 3,070
SPDR SERIES TRUST ST STR SP600 SML 78468R853 9,112,218 172,384 SH SOLE 0 0 172,384
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 217,898 2,037 SH SOLE 0 0 2,037
SPDR SERIES TRUST ST STR SP600SM C 78464A300 308,187 3,017 SH SOLE 0 0 3,017
SUMITOMO MITSUI FIN GRP INC SPONSORED ADR 86562M209 205,129 7,917 SH SOLE 0 0 7,917
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 265,046 581 SH SOLE 0 0 581
TE CONNECTIVITY PLC ORD SHS G87052109 208,969 990 SH SOLE 0 0 990
TESLA INC COM 88160R101 2,788,097 7,858 SH SOLE 0 0 7,858
TEXAS INSTRS INC COM 882508104 672,496 2,401 SH SOLE 0 0 2,401
THERMO FISHER SCIENTIFIC INC COM 883556102 586,618 869 SH SOLE 0 0 869
TOTALENERGIES SE ACT F92124100 210,074 2,457 SH SOLE 0 0 2,457
ULTRAPAR PARTICIPACOES SA SP ADR REP COM 90400P101 75,132 10,264 SH SOLE 0 0 10,264
UNION PAC CORP COM 907818108 420,985 1,547 SH SOLE 0 0 1,547
UNITEDHEALTH GROUP INC COM 91324P102 939,847 2,560 SH SOLE 0 0 2,560
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 8,075,847 290,393 SH SOLE 0 0 290,393
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 4,883,515 51,798 SH SOLE 0 0 51,798
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 555,979 6,170 SH SOLE 0 0 6,170
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 395,503 1,354 SH SOLE 0 0 1,354
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 408,462 2,089 SH SOLE 0 0 2,089
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 313,168 927 SH SOLE 0 0 927
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 321,825 1,393 SH SOLE 0 0 1,393
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 334,708 1,549 SH SOLE 0 0 1,549
VANGUARD MUN BD FDS CORE TAX EXEMPT 922907712 379,607 5,304 SH SOLE 0 0 5,304
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,023,841 63,848 SH SOLE 0 0 63,848
VANGUARD STAR FDS VG TL INTL STK F 921909768 355,388 4,183 SH SOLE 0 0 4,183
VERIZON COMMUNICATIONS INC COM 92343V104 684,659 14,926 SH SOLE 0 0 14,926
VERTEX PHARMACEUTICALS INC COM 92532F100 377,469 722 SH SOLE 0 0 722
VISA INC COM CL A 92826C839 1,926,368 5,361 SH SOLE 0 0 5,361
WALMART INC COM 931142103 1,057,481 10,175 SH SOLE 0 0 10,175
WELLS FARGO & CO COM 949746101 780,327 9,748 SH SOLE 0 0 9,748