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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 507,026 3,330 SH   SOLE   3,330 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,145,593 6,351 SH   SOLE   6,351 0 0
APPLE INC COM 037833100 BBG001S5N8V8 5,169,011 30,144 SH   SOLE   30,144 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 201,258 5,307 SH   SOLE   5,307 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 997,473 2,372 SH   SOLE   2,372 0 0
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603 BBG01GQYLJY8 746,058 14,221 SH   SOLE   14,221 0 0
BOEING CO COM 097023105 BBG001S5P0V3 1,005,579 5,211 SH   SOLE   5,211 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 BBG015DMY5P8 5,917,672 184,985 SH   SOLE   184,985 0 0
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109 BBG015DN0WJ1 30,730,616 1,192,033 SH   SOLE   1,192,033 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 311,832 851 SH   SOLE   851 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 542,783 3,441 SH   SOLE   3,441 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,632,163 26,678 SH   SOLE   26,678 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 873,682 1,193 SH   SOLE   1,193 0 0
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 292,444 1,171 SH   SOLE   1,171 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 578,404 12,296 SH   SOLE   12,296 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 934,414 7,637 SH   SOLE   7,637 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,519,713 13,074 SH   SOLE   13,074 0 0
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 205,238 1,169 SH   SOLE   1,169 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 4,814,569 12,551 SH   SOLE   12,551 0 0
INTEL CORP COM 458140100 BBG001S5SF65 1,313,751 29,743 SH   SOLE   29,743 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 BBG001T0NSB6 155,849 13,119 SH   SOLE   13,119 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 322,495 726 SH   SOLE   726 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 998,319 17,350 SH   SOLE   17,350 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 637,162 12,756 SH   SOLE   12,756 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 221,040 2,000 SH   SOLE   2,000 0 0
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 419,766 13,024 SH   SOLE   13,024 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 303,554 1,911 SH   SOLE   1,911 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 252,270 3,000 SH   SOLE   3,000 0 0
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 270,830 2,968 SH   SOLE   2,968 0 0
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 242,021 2,046 SH   SOLE   2,046 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,351,843 8,546 SH   SOLE   8,546 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 3,201,479 15,983 SH   SOLE   15,983 0 0
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104 BBG001S5X3D8 114,352 15,993 SH   SOLE   15,993 0 0
LINDE PLC SHS G54950103 BBG01FND0CH6 282,307 608 SH   SOLE   608 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 307,662 1,091 SH   SOLE   1,091 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 377,261 2,859 SH   SOLE   2,859 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 676,433 1,393 SH   SOLE   1,393 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,855,025 4,409 SH   SOLE   4,409 0 0
MONSTER BEVERAGE CORP NEW COM 61174X109 BBG008NVB1F7 509,334 8,592 SH   SOLE   8,592 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,670,685 1,849 SH   SOLE   1,849 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 491,760 3,915 SH   SOLE   3,915 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 2,064,641 89,728 SH   SOLE   89,728 0 0
PFIZER INC COM 717081103 BBG001S5V466 438,328 15,796 SH   SOLE   15,796 0 0
PIMCO ETF TR MULTISECTOR BD 72201R585 BBG01GZGT490 1,043,901 40,524 SH   SOLE   40,524 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 BBG001S985K5 197,480 11,246 SH   SOLE   11,246 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 498,926 3,075 SH   SOLE   3,075 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 537,347 5,510 SH   SOLE   5,510 0 0
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 298,666 702 SH   SOLE   702 0 0
SOUTHERN CALIF BANCORP COM 84252A106 BBG001SMZ5M4 1,080,095 72,441 SH   SOLE   72,441 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 3,835,541 107,018 SH   SOLE   107,018 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 283,637 7,837 SH   SOLE   7,837 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 446,470 13,746 SH   SOLE   13,746 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 626,474 1,198 SH   SOLE   1,198 0 0
SPDR SER TR BLOOMBERG INTL T 78464A516 BBG001T05M47 397,061 17,853 SH   SOLE   17,853 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 BBG001T5L3N9 384,292 11,021 SH   SOLE   11,021 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 315,409 9,648 SH   SOLE   9,648 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 304,084 5,701 SH   SOLE   5,701 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 291,685 3,987 SH   SOLE   3,987 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 1,880,873 37,542 SH   SOLE   37,542 0 0
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 806,968 10,618 SH   SOLE   10,618 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,412,804 17,028 SH   SOLE   17,028 0 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 BBG002XY88Z0 845,390 30,246 SH   SOLE   30,246 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 346,834 1,973 SH   SOLE   1,973 0 0
UNION PAC CORP COM 907818108 BBG001S5X2M0 409,688 1,666 SH   SOLE   1,666 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 4,837,177 9,778 SH   SOLE   9,778 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 2,895,344 38,400 SH   SOLE   38,400 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 2,312,581 30,163 SH   SOLE   30,163 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 322,247 4,437 SH   SOLE   4,437 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 6,650,430 134,217 SH   SOLE   134,217 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 36,250,397 736,947 SH   SOLE   736,947 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 2,595,386 7,540 SH   SOLE   7,540 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 4,473,697 18,973 SH   SOLE   18,973 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 3,648,018 23,398 SH   SOLE   23,398 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 2,098,145 8,397 SH   SOLE   8,397 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 925,368 10,700 SH   SOLE   10,700 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 590,407 1,228 SH   SOLE   1,228 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2,697,042 14,056 SH   SOLE   14,056 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,719,257 7,521 SH   SOLE   7,521 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 3,549,381 13,614 SH   SOLE   13,614 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 7,035,783 43,201 SH   SOLE   43,201 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 909,896 15,514 SH   SOLE   15,514 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,477,981 35,384 SH   SOLE   35,384 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 2,496,142 21,364 SH   SOLE   21,364 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 898,504 17,757 SH   SOLE   17,757 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 31,379,819 171,841 SH   SOLE   171,841 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 5,150,221 102,655 SH   SOLE   102,655 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 264,055 946 SH   SOLE   946 0 0
WALMART INC COM 931142103 BBG001S5XH92 296,130 4,922 SH   SOLE   4,922 0 0
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 794,960 13,716 SH   SOLE   13,716 0 0