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 460,361 4,658 SH SOLE 845 0 4,658
ABBVIE INC COM 00287Y109 1,018,940 3,895 SH SOLE 345 0 3,895
ADVANCED MICRO DEVICES INC COM 007903107 1,229,026 2,009 SH SOLE 70 0 2,009
AGILENT TECHNOLOGIES INC COM 00846U101 534,851 3,104 SH SOLE 3,066 0 3,104
AMAZON COM INC COM 023135106 3,659,569 14,688 SH SOLE 8,765 0 14,688
AMERICAN ELEC PWR CO INC COM 025537101 576,954 4,863 SH SOLE 584 0 4,863
AMERICAN WTR WKS CO INC NEW COM 030420103 441,541 3,410 SH SOLE 3,410 0 3,410
AMGEN INC COM 031162100 454,986 1,079 SH SOLE 689 0 1,079
ANALOG DEVICES INC COM 032654105 676,075 1,704 SH SOLE 1,704 0 1,704
APPLE INC COM 037833100 42,287,236 126,981 SH SOLE 24,859 0 126,981
APPLIED MATLS INC COM 038222105 1,096,911 2,145 SH SOLE 1,361 0 2,145
ARCHER AVIATION INC COM CL A 03945R102 100,519 20,225 SH SOLE 13,625 0 20,225
ARISTA NETWORKS INC COM SHS 040413205 481,491 2,365 SH SOLE 87 0 2,365
AT&T INC COM 00206R102 2,221,658 91,052 SH SOLE 42,663 0 91,052
AUTOMATIC DATA PROCESSING IN COM 053015103 224,166 869 SH SOLE 0 0 869
BANK OF AMER CORP COM 060505104 1,372,517 25,216 SH SOLE 15,735 0 25,216
BANK OF NY MELLON CORP COM 064058100 214,053 1,480 SH SOLE 1,480 0 1,480
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,059,210 6,144 SH SOLE 1,351 0 6,144
BERKSHIRE HATHAWAY INC DEL CL A 084670108 747,005 1 SH SOLE 0 0 1
BLACKROCK INC COM 09290D101 275,318 260 SH SOLE 0 0 260
BOEING CO COM 097023105 285,587 1,535 SH SOLE 165 0 1,535
BROADCOM INC COM 11135F101 317,881 905 SH SOLE 75 0 905
CALIFORNIA BANCORP COM 84252A106 3,637,955 170,396 SH SOLE 0 0 170,396
CHEVRON CORPORATION COM 166764100 3,284,968 16,086 SH SOLE 8,599 0 16,086
CISCO SYS INC COM 17275R102 2,432,256 22,598 SH SOLE 2,574 0 22,598
CME GROUP INC COM 12572Q105 265,875 1,015 SH SOLE 4 0 1,015
COCA COLA CO COM 191216100 228,769 2,658 SH SOLE 775 0 2,658
COSTCO WHOLESALE CORPORATION COM 22160K105 4,212,327 4,627 SH SOLE 630 0 4,627
DEERE & CO COM 244199105 206,838 308 SH SOLE 0 0 308
DISNEY WALT CO COM 254687106 685,856 6,538 SH SOLE 1,750 0 6,538
ELI LILLY & CO COM 532457108 1,238,266 1,070 SH SOLE 355 0 1,070
EMERSON ELEC CO COM 291011104 359,522 2,318 SH SOLE 2,218 0 2,318
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 594,006 3,650 SH SOLE 727 0 3,650
FORD MTR CO COM 345370860 239,626 19,869 SH SOLE 4,494 0 19,869
GALLAGHER ARTHUR J & CO COM 363576109 505,720 2,217 SH SOLE 2,217 0 2,217
GE AEROSPACE COM NEW 369604301 242,951 778 SH SOLE 76 0 778
GILEAD SCIENCES INC COM 375558103 428,272 2,873 SH SOLE 213 0 2,873
HOME DEPOT INC COM 437076102 803,136 2,823 SH SOLE 1,646 0 2,823
IDEXX LABS INC COM 45168D104 300,782 576 SH SOLE 8 0 576
INTEL CORP COM 458140100 401,910 3,343 SH SOLE 2,008 0 3,343
INTERNATIONAL BUSINESS MACHS COM 459200101 427,695 1,945 SH SOLE 600 0 1,945
ISHARES GOLD TR ISHARES NEW 464285204 226,490 30,180 SH SOLE 11,526 0 30,180
ISHARES INC MSCI EMRG CHN 46434G764 1,613,571 16,286 SH SOLE 0 0 16,286
ISHARES SILVER TR ISHARES 46428Q109 319,756 5,866 SH SOLE 1,722 0 5,866
ISHARES TR RUS 1000 GRW ETF 464287614 10,720,886 85,589 SH SOLE 14,088 0 85,589
ISHARES TR RUS 1000 VAL ETF 464287598 7,832,951 31,593 SH SOLE 4,154 0 31,593
ISHARES TR MSCI EAFE ETF 464287465 4,981,228 47,947 SH SOLE 12,597 0 47,947
ISHARES TR SELECT DIVID ETF 464287168 3,162,699 20,798 SH SOLE 4,774 0 20,798
ISHARES TR CORE S&P MCP ETF 464287507 2,857,808 39,719 SH SOLE 7,493 0 39,719
ISHARES TR U.S. TECH ETF 464287721 1,919,168 7,245 SH SOLE 7,245 0 7,245
ISHARES TR GLOBAL TECH ETF 464287291 1,707,878 4,564 SH SOLE 0 0 4,564
ISHARES TR CALIF MUN BD ETF 464288356 1,498,976 27,697 SH SOLE 2,291 0 27,697
ISHARES TR EAFE VALUE ETF 464288877 1,436,491 18,151 SH SOLE 4,431 0 18,151
ISHARES TR CORE S&P SCP ETF 464287804 1,415,486 10,405 SH SOLE 4,434 0 10,405
ISHARES TR RUS MD CP GR ETF 464287481 1,346,782 9,782 SH SOLE 5,440 0 9,782
ISHARES TR US AER DEF ETF 464288760 1,075,842 5,193 SH SOLE 1,682 0 5,193
ISHARES TR RUS 1000 ETF 464287622 956,683 2,299 SH SOLE 121 0 2,299
ISHARES TR ESG MSCI KLD ETF 464288570 942,143 6,445 SH SOLE 1,493 0 6,445
ISHARES TR RUS MDCP VAL ETF 464287473 671,583 4,178 SH SOLE 1,535 0 4,178
ISHARES TR EAFE GRWTH ETF 464288885 509,338 4,251 SH SOLE 1,131 0 4,251
ISHARES TR RUS MID CAP ETF 464287499 507,458 4,755 SH SOLE 3,391 0 4,755
ISHARES TR RUS 2000 GRW ETF 464287648 498,939 1,398 SH SOLE 1,001 0 1,398
ISHARES TR RUS TP200 VL ETF 464289420 437,204 3,992 SH SOLE 2,163 0 3,992
ISHARES TR RUSSELL 2000 ETF 464287655 370,545 1,333 SH SOLE 182 0 1,333
ISHARES TR CORE DIV GRWTH 46434V621 337,769 4,480 SH SOLE 1,208 0 4,480
ISHARES TR CORE MSCI EAFE 46432F842 308,095 3,180 SH SOLE 2,810 0 3,180
ISHARES TR RUS TP200 GR ETF 464289438 289,739 982 SH SOLE 0 0 982
ISHARES TR CORE S&P TTL STK 464287150 286,196 1,721 SH SOLE 932 0 1,721
ISHARES TR IBOXX INV CP ETF 464287242 222,175 2,174 SH SOLE 2,174 0 2,174
JOHNSON & JOHNSON COM 478160104 2,179,422 8,232 SH SOLE 4,212 0 8,232
JPMORGAN CHASE & CO COM 46625H100 1,857,110 5,613 SH SOLE 1,603 0 5,613
KEYSIGHT TECHNOLOGIES INC COM 49338L103 558,074 1,533 SH SOLE 1,533 0 1,533
KLA CORP COM NEW 482480100 325,534 1,670 SH SOLE 1,670 0 1,670
LAM RESEARCH CORP COM NEW 512807306 250,982 764 SH SOLE 764 0 764
LOEWS CORP COM 540424108 208,860 2,000 SH SOLE 0 0 2,000
MARRIOTT INTL INC NEW CL A 571903202 264,975 745 SH SOLE 372 0 745
MASTERCARD INCORPORATED CL A 57636Q104 211,206 383 SH SOLE 53 0 383
MCDONALDS CORP COM 580135101 432,375 1,872 SH SOLE 645 0 1,872
MCKESSON CORP COM 58155Q103 513,994 602 SH SOLE 2 0 602
MERCK & CO INC COM 58933Y105 998,097 6,869 SH SOLE 1,358 0 6,869
META PLATFORMS INC CL A 30303M102 8,214,564 11,328 SH SOLE 4,262 0 11,328
METTLER TOLEDO INTERNATIONAL COM 592688105 276,504 183 SH SOLE 0 0 183
MICRON TECHNOLOGY INC COM 595112103 404,259 380 SH SOLE 4 0 380
MICROSOFT CORP COM 594918104 10,443,952 20,363 SH SOLE 6,753 0 20,363
NORFOLK SOUTHN CORP COM 655844108 315,370 1,021 SH SOLE 1,021 0 1,021
NORTHROP GRUMMAN CORP COM 666807102 279,452 578 SH SOLE 2 0 578
NVIDIA CORPORATION COM 67066G104 5,172,398 22,648 SH SOLE 12,586 0 22,648
ORACLE CORP COM 68389X105 7,330,572 53,391 SH SOLE 14,217 0 53,391
PACCAR INC COM 693718108 493,047 4,490 SH SOLE 0 0 4,490
PALANTIR TECHNOLOGIES INC CL A 69608A108 353,536 1,890 SH SOLE 5 0 1,890
PALO ALTO NETWORKS INC COM 697435105 550,672 1,386 SH SOLE 45 0 1,386
PEPSICO INC COM 713448108 367,305 2,899 SH SOLE 1,645 0 2,899
PFIZER INC COM 717081103 270,875 9,498 SH SOLE 3,289 0 9,498
PG&E CORP COM 69331C108 314,175 25,647 SH SOLE 3,361 0 25,647
PHILLIPS 66 COM 718546104 265,523 1,040 SH SOLE 151 0 1,040
PROCTER & GAMBLE CO COM 742718109 399,964 2,753 SH SOLE 1,403 0 2,753
QUALCOMM INC COM 747525103 947,703 5,149 SH SOLE 257 0 5,149
QUANTA SVCS INC COM 74762E102 2,069,525 3,221 SH SOLE 4 0 3,221
RADIAN GROUP INC COM 750236101 275,490 9,000 SH SOLE 9,000 0 9,000
ROSS STORES INC COM 778296103 747,209 3,201 SH SOLE 2,954 0 3,201
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 9,161,153 281,622 SH SOLE 72,920 0 281,622
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 1,131,353 21,048 SH SOLE 174 0 21,048
SCHWAB STRATEGIC TR US TIPS ETF 808524870 423,664 16,859 SH SOLE 0 0 16,859
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 409,848 14,920 SH SOLE 14,381 0 14,920
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 336,258 9,359 SH SOLE 9,359 0 9,359
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 331,880 10,171 SH SOLE 10,171 0 10,171
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 210,759 6,195 SH SOLE 6,195 0 6,195
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 202,327 8,537 SH SOLE 0 0 8,537
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 22,318,587 114,016 SH SOLE 38,909 0 114,016
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 4,971,318 126,048 SH SOLE 57,902 0 126,048
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 765,303 14,332 SH SOLE 10,521 0 14,332
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 703,457 8,728 SH SOLE 2,716 0 8,728
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 227,142 3,693 SH SOLE 3,231 0 3,693
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 691,694 4,585 SH SOLE 0 0 4,585
SPDR SERIES TRUST ST STR SP AERO 78464A631 8,952,918 38,715 SH SOLE 19,127 0 38,715
SPDR SERIES TRUST ST STR SP DIV 78464A763 788,513 5,383 SH SOLE 2,395 0 5,383
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD AN 85208R101 422,005 10,159 SH SOLE 0 0 10,159
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 2,109,088 4,147 SH SOLE 2,200 0 4,147
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 6,567,628 8,612 SH SOLE 4,249 0 8,612
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 833,003 1,826 SH SOLE 0 0 1,826
TESLA INC COM 88160R101 2,383,678 6,718 SH SOLE 1,915 0 6,718
UNION PAC CORP COM 907818108 201,582 741 SH SOLE 200 0 741
VANECK ETF TRUST URANI NUCLE ETF 92189F601 1,582,295 15,294 SH SOLE 5,259 0 15,294
VANGUARD BD INDEX FDS INTERMED TERM 921937819 831,976 11,419 SH SOLE 7,378 0 11,419
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 238,331 3,397 SH SOLE 2,360 0 3,397
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,834,709 6,898 SH SOLE 3,054 0 6,898
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 4,275,225 19,785 SH SOLE 7,367 0 19,785
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 1,994,162 22,130 SH SOLE 13,337 0 22,130
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 1,581,200 20,163 SH SOLE 1,800 0 20,163
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 1,707,878 4,564 SH SOLE 3,427 0 4,564
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 21,888,989 289,078 SH SOLE 146,677 0 289,078
VANGUARD INSTL INDEX FD ULTR SHOR TR ETF 922040852 700,618 9,265 SH SOLE 3,338 0 9,265
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 209,292 3,529 SH SOLE 0 0 3,529
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 203,692 2,455 SH SOLE 2,455 0 2,455
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 309,127 5,371 SH SOLE 0 0 5,371
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 9,673,173 41,461 SH SOLE 27,580 0 41,461
VANGUARD STAR FDS VG TL INTL STK F 921909768 795,318 9,361 SH SOLE 4,041 0 9,361
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 5,611,875 79,477 SH SOLE 25,270 0 79,477
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 8,539,348 55,022 SH SOLE 31,289 0 55,022
VANGUARD WORLD FD INF TECH ETF 92204A702 1,542,911 12,277 SH SOLE 1,288 0 12,277
VANGUARD WORLD FD UTILITIES ETF 92204A876 701,070 4,100 SH SOLE 2,303 0 4,100
VANGUARD WORLD FD MATERIALS ETF 92204A801 366,764 4,550 SH SOLE 536 0 4,550
VERIZON COMMUNICATIONS INC COM 92343V104 1,369,346 29,853 SH SOLE 6,428 0 29,853
VISA INC COM CL A 92826C839 2,402,948 6,687 SH SOLE 968 0 6,687
VODAFONE GROUP PLC SPONSORED ADR 92857W308 249,585 15,454 SH SOLE 2,398 0 15,454
WALMART INC COM 931142103 554,111 5,332 SH SOLE 2,085 0 5,332
WARNER BROS DISCOVERY INC COM SER A 934423104 453,573 14,655 SH SOLE 4,634 0 14,655
WASTE MGMT INC DEL COM 94106L109 286,564 1,405 SH SOLE 54 0 1,405
WELLS FARGO & CO COM 949746101 1,669,513 20,856 SH SOLE 4,829 0 20,856
WORKDAY INC CL A 98138H101 305,498 1,604 SH SOLE 0 0 1,604