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
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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
AFFIRM HLDGS INC COM CL A 00827B106   53,886,285 1,096,587 SH   SOLE   0 0 1,096,587
ISHARES TR MSCI ACWI ETF 464288257   42,039,622 413,085 SH   SOLE   0 0 413,085
COINBASE GLOBAL INC COM CL A 19260Q107   26,098,957 150,063 SH   SOLE   0 0 150,063
SPDR S&P 500 ETF TR TR UNIT 78462F103   16,379,447 34,323 SH   SOLE   0 0 34,323
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   9,745,720 94,729 SH   SOLE   0 0 94,729
GITLAB INC CLASS A COM 37637K108   8,092,375 128,532 SH   SOLE   0 0 128,532
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   7,456,197 198,885 SH   SOLE   0 0 198,885
ISHARES GOLD TR ISHARES NEW 464285204   7,011,310 179,639 SH   SOLE   0 0 179,639
ISHARES TR MSCI EMG MKT ETF 464287234   6,938,087 172,546 SH   SOLE   0 0 172,546
META PLATFORMS INC CL A 30303M102   6,657,988 18,810 SH   SOLE   0 0 18,810
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,314,866 153,646 SH   SOLE   0 0 153,646
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   6,277,906 123,390 SH   SOLE   0 0 123,390
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   6,087,176 127,160 SH   SOLE   0 0 127,160
SPDR GOLD TR GOLD SHS 78463V107   5,780,981 30,240 SH   SOLE   0 0 30,240
ISHARES TR RUS MID CAP ETF 464287499   5,523,196 71,056 SH   SOLE   0 0 71,056
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,387,483 12,334 SH   SOLE   0 0 12,334
ISHARES TR RUS 1000 GRW ETF 464287614   5,138,732 16,950 SH   SOLE   0 0 16,950
INVESCO QQQ TR UNIT SER 1 46090E103   4,291,633 10,474 SH   SOLE   0 0 10,474
APPLE INC COM 037833100   3,268,891 16,979 SH   SOLE   0 0 16,979
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,824,953 28,176 SH   SOLE   0 0 28,176
MICROSOFT CORP COM 594918104   2,749,840 7,313 SH   SOLE   0 0 7,313
ORACLE CORP COM 68389X105   2,316,930 21,976 SH   SOLE   0 0 21,976
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   2,188,683 62,178 SH   SOLE   0 0 62,178
ALPHABET INC CAP STK CL A 02079K305   2,162,262 15,479 SH   SOLE   0 0 15,479
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,931,314 5,415 SH   SOLE   0 0 5,415
RTX CORPORATION COM 75513E101   1,771,568 21,055 SH   SOLE   0 0 21,055
HOME DEPOT INC COM 437076102   1,536,256 4,433 SH   SOLE   0 0 4,433
ADOBE INC COM 00724F101   1,452,124 2,434 SH   SOLE   0 0 2,434
NOVO-NORDISK A S ADR 670100205   1,437,645 13,897 SH   SOLE   0 0 13,897
GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100   1,409,125 833,802 SH   SOLE   0 0 833,802
PALO ALTO NETWORKS INC COM 697435105   1,328,729 4,506 SH   SOLE   0 0 4,506
GENERAL DYNAMICS CORP COM 369550108   1,236,549 4,762 SH   SOLE   0 0 4,762
VISA INC COM CL A 92826C839   1,211,148 4,652 SH   SOLE   0 0 4,652
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,184,092 18,200 SH   SOLE   0 0 18,200
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   1,171,362 24,716 SH   SOLE   0 0 24,716
MEDTRONIC PLC SHS G5960L103   1,157,318 13,931 SH   SOLE   0 0 13,931
ISHARES TR MSCI EAFE ETF 464287465   1,144,416 15,188 SH   SOLE   0 0 15,188
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,122,561 3,199 SH   SOLE   0 0 3,199
NIKE INC CL B 654106103   1,102,321 10,112 SH   SOLE   0 0 10,112
NVIDIA CORPORATION COM 67066G104   1,070,666 2,162 SH   SOLE   0 0 2,162
INTUIT COM 461202103   1,022,549 1,636 SH   SOLE   0 0 1,636
JOHNSON & JOHNSON COM 478160104   898,590 5,733 SH   SOLE   0 0 5,733
DISNEY WALT CO COM 254687106   841,155 9,246 SH   SOLE   0 0 9,246
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   819,295 16,597 SH   SOLE   0 0 16,597
WALMART INC COM 931142103   810,560 5,123 SH   SOLE   0 0 5,123
STARBUCKS CORP COM 855244109   753,486 7,848 SH   SOLE   0 0 7,848
PALANTIR TECHNOLOGIES INC CL A 69608A108   742,105 43,221 SH   SOLE   0 0 43,221
ALPHABET INC CAP STK CL C 02079K107   741,292 5,260 SH   SOLE   0 0 5,260
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   726,028 5,007 SH   SOLE   0 0 5,007
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   717,944 14,988 SH   SOLE   0 0 14,988
CISCO SYS INC COM 17275R102   699,694 13,850 SH   SOLE   0 0 13,850
BIOGEN INC COM 09062X103   634,245 2,451 SH   SOLE   0 0 2,451
C H ROBINSON WORLDWIDE INC COM NEW 12541W209   577,338 6,613 SH   SOLE   0 0 6,613
DIAGEO PLC SPON ADR NEW 25243Q205   576,377 3,957 SH   SOLE   0 0 3,957
PROCTER AND GAMBLE CO COM 742718109   572,092 3,904 SH   SOLE   0 0 3,904
VANGUARD INDEX FDS TOTAL STK MKT 922908769   552,485 2,329 SH   SOLE   0 0 2,329
UNILEVER PLC SPON ADR NEW 904767704   549,521 11,335 SH   SOLE   0 0 11,335
ISHARES TR CALIF MUN BD ETF 464288356   539,237 9,307 SH   SOLE   0 0 9,307
PEPSICO INC COM 713448108   513,641 3,002 SH   SOLE   0 0 3,002
AMAZON COM INC COM 023135106   513,557 3,380 SH   SOLE   0 0 3,380
WORKDAY INC CL A 98138H101   511,263 1,852 SH   SOLE   0 0 1,852
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   442,373 11,969 SH   SOLE   0 0 11,969
ISHARES TR CORE S&P US GWT 464287671   424,728 4,080 SH   SOLE   0 0 4,080
BECTON DICKINSON & CO COM 075887109   412,560 1,692 SH   SOLE   0 0 1,692
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   407,542 5,014 SH   SOLE   0 0 5,014
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   398,736 2,340 SH   SOLE   0 0 2,340
VANGUARD INDEX FDS LARGE CAP ETF 922908637   395,942 1,815 SH   SOLE   0 0 1,815
COSTCO WHSL CORP NEW COM 22160K105   387,496 574 SH   SOLE   0 0 574
WEAVE COMMUNICATIONS INC COM 94724R108   359,837 31,372 SH   SOLE   0 0 31,372
JPMORGAN CHASE & CO COM 46625H100   347,004 2,040 SH   SOLE   0 0 2,040
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   346,807 6,230 SH   SOLE   0 0 6,230
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   341,676 10,520 SH   SOLE   0 0 10,520
WISDOMTREE TR EMER MKT HIGH FD 97717W315   319,632 7,857 SH   SOLE   0 0 7,857
THERMO FISHER SCIENTIFIC INC COM 883556102   319,215 601 SH   SOLE   0 0 601
3M CO COM 88579Y101   283,029 2,589 SH   SOLE   0 0 2,589
ISHARES TR RUS 2000 VAL ETF 464287630   278,012 1,790 SH   SOLE   0 0 1,790
SALESFORCE INC COM 79466L302   277,876 1,056 SH   SOLE   0 0 1,056
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   259,463 1,348 SH   SOLE   0 0 1,348
VANGUARD INDEX FDS MID CAP ETF 922908629   259,394 1,115 SH   SOLE   0 0 1,115
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   255,229 12,378 SH   SOLE   0 0 12,378
GOLDMAN SACHS GROUP INC COM 38141G104   248,436 644 SH   SOLE   0 0 644
VANGUARD WORLD FDS INF TECH ETF 92204A702   248,292 513 SH   SOLE   0 0 513
BANK AMERICA CORP COM 060505104   245,791 7,300 SH   SOLE   0 0 7,300
ISHARES TR US TREAS BD ETF 46429B267   243,095 10,551 SH   SOLE   0 0 10,551
COCA COLA CO COM 191216100   231,772 3,933 SH   SOLE   0 0 3,933
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   227,914 6,231 SH   SOLE   0 0 6,231
INTERNATIONAL FLAVORS&FRAGRA COM 459506101   217,453 2,659 SH   SOLE   0 0 2,659
SCHWAB CHARLES CORP COM 808513105   217,167 3,157 SH   SOLE   0 0 3,157
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   213,176 2,768 SH   SOLE   0 0 2,768
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   206,968 2,748 SH   SOLE   0 0 2,748
MATTERPORT INC COM CL A 577096100   83,309 30,970 SH   SOLE   0 0 30,970
TILRAY BRANDS INC COM 88688T100   23,000 10,000 SH   SOLE   0 0 10,000
VAXXINITY INC COM CL A 92244V104   12,051 14,178 SH   SOLE   0 0 14,178