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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 BBG001T79CF8 21,252,533 233,493 SH   SOLE   233,493 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 211,599 603 SH   SOLE   603 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 673,341 4,820 SH   SOLE   4,820 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 837,300 5,511 SH   SOLE   5,511 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,416,201 7,356 SH   SOLE   7,356 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 381,283 1,069 SH   SOLE   1,069 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 361,046 323 SH   SOLE   323 0 0
CENOVUS ENERGY INC COM 15135U109 BBG001T2PJV8 199,800 12,000 SH   SOLE   12,000 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 288,679 1,935 SH   SOLE   1,935 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 273,748 5,419 SH   SOLE   5,419 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 232,067 352 SH   SOLE   352 0 0
DBX ETF TR XTRACK INTL REAL 233051846 BBG005BJ0T91 629,916,977 28,789,624 SH   SOLE   28,789,624 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 BBG009RY6HH4 730,158,896 29,585,044 SH   SOLE   29,585,044 0 0
DBX ETF TR XTRACK USD HIGH 233051432 BBG00FGWY4G5 266,170,849 7,487,225 SH   SOLE   7,487,225 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 241,602 2,676 SH   SOLE   2,676 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 295,124 2,952 SH   SOLE   2,952 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 BBG005FHWBL1 400,520 2,788 SH   SOLE   2,788 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 BBG002WKD6P0 236,127 5,330 SH   SOLE   5,330 0 0
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 48,323,628 2,490,909 SH   SOLE   2,490,909 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 438,848 1,266 SH   SOLE   1,266 0 0
HUMANA INC COM 444859102 BBG001S5S1X6 265,072 579 SH   SOLE   579 0 0
ICAHN ENTERPRISES LP DEPOSITARY UNIT 451100101 BBG001S5NBT4 216,061 12,569 SH   SOLE   12,569 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 BBG001T06LL9 245,262,558 9,818,357 SH   SOLE   9,818,357 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 BBG001SS8729 561,091,405 11,838,920 SH   SOLE   11,838,920 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 509,443,674 26,672,444 SH   SOLE   26,672,444 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 299,172,049 9,210,962 SH   SOLE   9,210,962 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 BBG001V0MBC0 82,982,194 3,917,951 SH   SOLE   3,917,951 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 892,406,632 25,352,461 SH   SOLE   25,352,461 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 787,500,256 21,005,608 SH   SOLE   21,005,608 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,913,878 4,673 SH   SOLE   4,673 0 0
INVESCO SR INCOME TR COM 46131H107 BBG001SB0BV3 74,015 18,052 SH   SOLE   18,052 0 0
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 798,071,077 20,447,632 SH   SOLE   20,447,632 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 395,205,427 7,813,472 SH   SOLE   7,813,472 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 200,160 4,741 SH   SOLE   4,741 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 326,206,802 2,784,998 SH   SOLE   2,784,998 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 432,213 4,484 SH   SOLE   4,484 0 0
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 22,148,955 609,325 SH   SOLE   609,325 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 526,320,258 9,083,884 SH   SOLE   9,083,884 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 24,563,435 493,242 SH   SOLE   493,242 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 519,913 7,390 SH   SOLE   7,390 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 417,664 3,969 SH   SOLE   3,969 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1,237,420 2,591 SH   SOLE   2,591 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 548,911 5,531 SH   SOLE   5,531 0 0
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 145,921,275 2,687,811 SH   SOLE   2,687,811 0 0
ISHARES TR INTERNATIONAL SL 46434V266 BBG008LP7B65 220,199 6,853 SH   SOLE   6,853 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 987,186 19,253 SH   SOLE   19,253 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 262,756 5,053 SH   SOLE   5,053 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 513,761,653 5,460,902 SH   SOLE   5,460,902 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 973,525,119 8,980,031 SH   SOLE   8,980,031 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 599,265 1,977 SH   SOLE   1,977 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 342,341 2,072 SH   SOLE   2,072 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 538,767 10,726 SH   SOLE   10,726 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 BBG00LYBQSH3 339,267 7,385 SH   SOLE   7,385 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 251,825 1,607 SH   SOLE   1,607 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 425,194 2,500 SH   SOLE   2,500 0 0
LUCID GROUP INC COM 549498103 BBG00W7F99W4 49,388 11,731 SH   SOLE   11,731 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 265,671 896 SH   SOLE   896 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 213,810 1,961 SH   SOLE   1,961 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,679,298 4,466 SH   SOLE   4,466 0 0
NUVEEN FLOATING RATE INCOME COM 67072T108 BBG001SJ9S31 199,767 24,303 SH   SOLE   24,303 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 579,241 1,170 SH   SOLE   1,170 0 0
OLO INC CL A 68134L109 BBG00ZCX7044 215,003 37,588 SH   SOLE   37,588 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 218,723 2,075 SH   SOLE   2,075 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 675,640 39,350 SH   SOLE   39,350 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 293,004 1,999 SH   SOLE   1,999 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 443,144 3,064 SH   SOLE   3,064 0 0
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 238,203 3,462 SH   SOLE   3,462 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 BBG00PZFPGG2 4,859,557,406 108,134,344 SH   SOLE   108,134,344 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 2,080,413,503 83,921,481 SH   SOLE   83,921,481 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 2,749,288,297 74,385,506 SH   SOLE   74,385,506 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 1,353,628,273 38,797,027 SH   SOLE   38,797,027 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 3,952,230,814 79,489,759 SH   SOLE   79,489,759 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 7,774,509,871 125,516,788 SH   SOLE   125,516,788 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 5,177,706,038 93,544,825 SH   SOLE   93,544,825 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 BBG0051QPC87 3,348,170,411 123,366,633 SH   SOLE   123,366,633 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 4,408,588,137 130,702,287 SH   SOLE   130,702,287 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 1,920,780,504 55,099,842 SH   SOLE   55,099,842 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 556,738 10,001 SH   SOLE   10,001 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 737,004,454 9,680,868 SH   SOLE   9,680,868 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 330,666 3,986 SH   SOLE   3,986 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 5,452,421,983 96,674,149 SH   SOLE   96,674,149 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 1,084,970,094 52,388,706 SH   SOLE   52,388,706 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 3,525,876,257 74,637,516 SH   SOLE   74,637,516 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 914,847,517 17,525,815 SH   SOLE   17,525,815 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 501,518 2,606 SH   SOLE   2,606 0 0
SNAP INC CL A 83304A106 BBG00441QMK5 590,027 34,851 SH   SOLE   34,851 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 228,190 6,710 SH   SOLE   6,710 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,079,185 2,270 SH   SOLE   2,270 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391 BBG001V0JXM5 1,024,188,451 48,219,795 SH   SOLE   48,219,795 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 BBG001T5L3N9 5,334,982 159,158 SH   SOLE   159,158 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 929,888 19,785 SH   SOLE   19,785 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 93,823,177 3,669,268 SH   SOLE   3,669,268 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 423,715,275 12,906,344 SH   SOLE   12,906,344 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 251,286 4,495 SH   SOLE   4,495 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 215,793 5,116 SH   SOLE   5,116 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 230,787 2,404 SH   SOLE   2,404 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 1,073,158 4,319 SH   SOLE   4,319 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 217,057 412 SH   SOLE   412 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 BBG001T9BPT7 189,492,701 7,475,057 SH   SOLE   7,475,057 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 263,594 3,422 SH   SOLE   3,422 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 337,878 4,594 SH   SOLE   4,594 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 28,695,167 581,285 SH   SOLE   581,285 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 214,838 691 SH   SOLE   691 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 549,906,306 1,258,943 SH   SOLE   1,258,943 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 395,626,197 1,854,527 SH   SOLE   1,854,527 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,075,483 4,534 SH   SOLE   4,534 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 446,479 2,986 SH   SOLE   2,986 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 272,389 6,627 SH   SOLE   6,627 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 204,259,242 1,775,704 SH   SOLE   1,775,704 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 BBG001TCVT65 289,536,166 6,798,219 SH   SOLE   6,798,219 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,437,181,191 28,152,423 SH   SOLE   28,152,423 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 12,352,822 151,979 SH   SOLE   151,979 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 6,125,969,534 132,139,119 SH   SOLE   132,139,119 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 459,399,381 9,590,801 SH   SOLE   9,590,801 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 99,844,533 894,424 SH   SOLE   894,424 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 106,988,520 1,609,092 SH   SOLE   1,609,092 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 236,831 910 SH   SOLE   910 0 0
WALMART INC COM 931142103 BBG001S5XH92 203,910 1,293 SH   SOLE   1,293 0 0