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
AMAZON COM INC COM 023135106 BBG001S5PQL7 611,015 4,021 SH   SOLE   4,021 0 0
APPLE INC COM 037833100 BBG001S5N8V8 33,299,508 172,958 SH   SOLE   172,958 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 555,027 1,556 SH   SOLE   1,556 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 2,312,269 2,071 SH   SOLE   2,071 0 0
CITIUS PHARMACEUTICALS INC COM NEW 17322U207 BBG001V1J7S4 8,095 10,700 SH   SOLE   10,700 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 253,005 383 SH   SOLE   383 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 BBG011DXXNJ2 377,841 7,290 SH   SOLE   7,290 0 0
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 BBG00DR7RGF5 240,996 5,700 SH   SOLE   5,700 0 0
FIDELITY COVINGTON TRUST HIGH YILD ETF 316092618 BBG00L4J9F40 729,547 15,223 SH   SOLE   15,223 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 470,284 10,215 SH   SOLE   10,215 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 BBG00243PCT9 229,471 9,711 SH   SOLE   9,711 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 1,526,162 30,173 SH   SOLE   30,173 0 0
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 500,696 9,036 SH   SOLE   9,036 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 842,857 7,785 SH   SOLE   7,785 0 0
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 4,490,951 45,418 SH   SOLE   45,418 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 465,548 4,830 SH   SOLE   4,830 0 0
ISHARES TR AGENCY BOND ETF 464288166 BBG001T2RRQ4 252,106 2,325 SH   SOLE   2,325 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 214,341 4,256 SH   SOLE   4,256 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 298,561 5,153 SH   SOLE   5,153 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 1,717,930 26,458 SH   SOLE   26,458 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 517,081 4,777 SH   SOLE   4,777 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 2,316,289 22,012 SH   SOLE   22,012 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 28,557,819 59,791 SH   SOLE   59,791 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 11,005,048 238,877 SH   SOLE   238,877 0 0
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 3,931,015 40,589 SH   SOLE   40,589 0 0
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 5,138,746 98,632 SH   SOLE   98,632 0 0
ISHARES TR ESG ADV TTL USD 46436E619 BBG00VJ13GZ1 598,706 13,840 SH   SOLE   13,840 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 2,482,757 23,663 SH   SOLE   23,663 0 0
ISHARES TR ESG MSCI LEADR 46435U218 BBG00P35VT10 507,700 6,017 SH   SOLE   6,017 0 0
ISHARES TR EUROPE ETF 464287861 BBG001SFGXD9 796,053 15,060 SH   SOLE   15,060 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 BBG001S7RSN5 379,388 9,701 SH   SOLE   9,701 0 0
ISHARES TR GNMA BOND ETF 46429B333 BBG002N8KM74 228,797 5,171 SH   SOLE   5,171 0 0
ISHARES TR GOV/CRED BD ETF 464288596 BBG001SSD894 517,942 4,922 SH   SOLE   4,922 0 0
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 349,720 4,519 SH   SOLE   4,519 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 1,532,920 13,853 SH   SOLE   13,853 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 689,685 13,451 SH   SOLE   13,451 0 0
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 1,000,010 11,228 SH   SOLE   11,228 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 5,452,488 57,956 SH   SOLE   57,956 0 0
ISHARES TR MORNINGSTAR VALU 464288109 BBG001SBRHX9 578,378 8,190 SH   SOLE   8,190 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 BBG009DR6401 741,918 27,986 SH   SOLE   27,986 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 813,690 10,428 SH   SOLE   10,428 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 4,435,209 30,143 SH   SOLE   30,143 0 0
ISHARES TR MSCI USA VALUE 46432F388 BBG004FPWGT7 332,804 3,290 SH   SOLE   3,290 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 439,718 4,056 SH   SOLE   4,056 0 0
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 217,938 831 SH   SOLE   831 0 0
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 209,756 2,008 SH   SOLE   2,008 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 586,675 2,923 SH   SOLE   2,923 0 0
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 2,193,212 9,818 SH   SOLE   9,818 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 1,386,477 18,462 SH   SOLE   18,462 0 0
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 244,990 2,090 SH   SOLE   2,090 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 262,524 2,490 SH   SOLE   2,490 0 0
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 220,028 2,135 SH   SOLE   2,135 0 0
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 901,858 8,390 SH   SOLE   8,390 0 0
ISHARES TR TRS FLT RT BD 46434V860 BBG005YTNMS3 2,904,354 57,546 SH   SOLE   57,546 0 0
ISHARES TR U.S. ENERGY ETF 464287796 BBG001SFGXW8 375,962 8,521 SH   SOLE   8,521 0 0
ISHARES TR U.S. MED DVC ETF 464288810 BBG001SQZT52 261,643 4,848 SH   SOLE   4,848 0 0
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 2,168,259 17,664 SH   SOLE   17,664 0 0
ISHARES TR US INFRASTRUC 46435U713 BBG00KHHFPF1 491,824 12,213 SH   SOLE   12,213 0 0
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 2,416,499 104,883 SH   SOLE   104,883 0 0
ISHARES TR USD INV GRDE ETF 464288620 BBG001SSD876 909,627 17,745 SH   SOLE   17,745 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDRS US 46641Q399 BBG00NKWFC12 232,075 2,702 SH   SOLE   2,702 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 418,162 2,668 SH   SOLE   2,668 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 414,744 1,103 SH   SOLE   1,103 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 268,660 543 SH   SOLE   543 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 766,973 16,452 SH   SOLE   16,452 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 275,594 1,432 SH   SOLE   1,432 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 2,359,209 4,964 SH   SOLE   4,964 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 231,376 4,842 SH   SOLE   4,842 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 331,560 2,653 SH   SOLE   2,653 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 615,036 1,978 SH   SOLE   1,978 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 294,840 675 SH   SOLE   675 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 223,803 1,244 SH   SOLE   1,244 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 243,492 1,141 SH   SOLE   1,141 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 636,399 2,683 SH   SOLE   2,683 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 421,949 8,885 SH   SOLE   8,885 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 3,219,245 63,061 SH   SOLE   63,061 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 260,703 4,237 SH   SOLE   4,237 0 0