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
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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
Advanced Micro Devices Equities 007903107   4,176,273 28,331 SH   SOLE   0 0 28,331
Amazon.com Inc Equities 023135106   1,927,059 12,683 SH   SOLE   0 0 12,683
Apple Inc Equities 037833100   11,217,248 58,262 SH   SOLE   0 0 58,262
AT&T Inc Equities 00206R102   478,748 28,531 SH   SOLE   0 0 28,531
Berkshire Hathaway Inc B Equities 084670702   3,579,083 10,035 SH   SOLE   0 0 10,035
BlackRock Ultra Short Term Bond ETF ETF 46434V878   35,489,660 704,719 SH   SOLE   0 0 704,719
Charles Schwab Corp Equities 808513105   711,124 10,336 SH   SOLE   0 0 10,336
Chevron Corp Equities 166764100   1,616,979 10,841 SH   SOLE   0 0 10,841
Cisco Systems Inc Equities 17275R102   917,721 18,165 SH   SOLE   0 0 18,165
Consumer Staples SPDR ETF ETF 81369Y308   16,660,510 231,300 SH   SOLE   0 0 231,300
Extreme Networks Inc Equities 30226D106   3,748,500 212,500 SH   SOLE   0 0 212,500
Exxon Mobil Corp Equities 30231G102   1,616,473 16,168 SH   SOLE   0 0 16,168
Intel Corp Equities 458140100   1,047,036 20,837 SH   SOLE   0 0 20,837
iShares Core S&P Small Cap ETF ETF 464287804   15,548,597 143,636 SH   SOLE   0 0 143,636
iShares Floating Rate ETF ETF 46429B655   15,147,771 299,245 SH   SOLE   0 0 299,245
iShares MSCI EAFE Index ETF 464287465   2,590,461 34,379 SH   SOLE   0 0 34,379
Lumentum Holdings Inc Equities 55024U109   1,079,328 20,590 SH   SOLE   0 0 20,590
Microsoft Corp Equities 594918104   6,055,451 16,103 SH   SOLE   0 0 16,103
Pfizer Inc Equities 717081103   640,441 22,245 SH   SOLE   0 0 22,245
PG&E Corp Equities 69331C108   234,462 13,004 SH   SOLE   0 0 13,004
PS Interest Rate Hedged ETF ETF 74347B607   58,827,872 780,532 SH   SOLE   0 0 780,532
Schwab Fundamental Intl Large Co ETF ETF 808524755   27,365,301 811,305 SH   SOLE   0 0 811,305
Schwab US Dividend Equity ETF ETF 808524797   18,854,342 247,660 SH   SOLE   0 0 247,660
Schwab US Large Cap ETF ETF 808524201   1,550,991 27,500 SH   SOLE   0 0 27,500
Schwab US Mid Cap ETF ETF 808524508   6,211,959 82,474 SH   SOLE   0 0 82,474
Schwab US Small Cap ETF ETF 808524607   532,337 11,269 SH   SOLE   0 0 11,269
Uber Technologies Inc Equities 90353T100   2,266,207 36,807 SH   SOLE   0 0 36,807
Upstart Holdings Inc Equities 91680M107   505,438 12,370 SH   SOLE   0 0 12,370
VanEck IG Floating Rate ETF ETF 92189F486   25,529,389 1,015,085 SH   SOLE   0 0 1,015,085
Vanguard Dividend Appreciation ETF ETF 921908844   20,112,791 118,033 SH   SOLE   0 0 118,033
Vanguard Health Care ETF ETF 92204A504   23,542,682 93,908 SH   SOLE   0 0 93,908
Vanguard Intermediate Term Corporate ETF ETF 92206C870   60,686,054 746,630 SH   SOLE   0 0 746,630
Vanguard International Dividend ETF ETF 921946810   34,067,143 429,382 SH   SOLE   0 0 429,382
Vanguard Intl High Dividend ETF ETF 921946794   19,680,573 295,993 SH   SOLE   0 0 295,993
Vanguard Mega Cap Blend ETF ETF 921910873   12,436,443 73,467 SH   SOLE   0 0 73,467
Vanguard Mega Cap Value ETF ETF 921910840   18,046,673 165,006 SH   SOLE   0 0 165,006
Vanguard Mid Cap Value ETF ETF 922908512   19,571,266 134,965 SH   SOLE   0 0 134,965
Vanguard Small Cap Value Index ETF ETF 922908611   12,436,881 69,105 SH   SOLE   0 0 69,105
Verizon Communications Inc Equities 92343V104   546,507 14,496 SH   SOLE   0 0 14,496
Workday Inc Equities 98138H101   5,552,119 20,112 SH   SOLE   0 0 20,112