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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287y109 542 3,342 SH   SOLE   3,342 0 0
ALPHABET INC. CLASS A COM 02079k305 562 202 SH   SOLE   202 0 0
ALPHABET INC. CLASS C COM 02079k107 1,383 495 SH   SOLE   495 0 0
ALTRIA GROUP INC COM 02209s103 254 4,864 SH   SOLE   4,864 0 0
AMAZON.COM INC COM 023135106 9,953 3,053 SH   SOLE   3,053 0 0
AMGEN INC. COM 031162100 202 837 SH   SOLE   837 0 0
APPLE INC COM 037833100 8,151 46,682 SH   SOLE   46,682 0 0
BANK OF AMERICA CORP COM 060505104 418 10,144 SH   SOLE   10,144 0 0
BERKSHIRE HATHAWAY CLASS B COM 084670702 3,655 10,357 SH   SOLE   10,357 0 0
BOEING CO COM 097023105 398 2,078 SH   SOLE   2,078 0 0
CANADIAN PAC RAILWAY F COM 13645t100 298 3,605 SH   SOLE   3,605 0 0
CHEVRON CORP COM 166764100 370 2,270 SH   SOLE   2,270 0 0
CISCO SYSTEMS INC COM 17275r102 244 4,373 SH   SOLE   4,373 0 0
CITIGROUP INC COM 172967424 213 3,989 SH   SOLE   3,989 0 0
CLOROX CO COM 189054109 248 1,781 SH   SOLE   1,781 0 0
COSTCO WHOLESALE CO COM 22160k105 944 1,639 SH   SOLE   1,639 0 0
DOVER CORP COM 260003108 335 2,133 SH   SOLE   2,133 0 0
EATON CORP PLC F COM g29183103 278 1,835 SH   SOLE   1,835 0 0
ENVIROTECH VHS INC COM 00726a100 3 10,000 SH   SOLE   10,000 0 0
EXXON MOBIL CORP COM 30231g102 286 3,462 SH   SOLE   3,462 0 0
INTEL CORP COM 458140100 223 4,496 SH   SOLE   4,496 0 0
JOHNSON & JOHNSON COM 478160104 830 4,681 SH   SOLE   4,681 0 0
JPMORGAN CHASE & CO COM 46625h100 1,586 11,634 SH   SOLE   11,634 0 0
MCDONALDS CORP COM 580135101 513 2,074 SH   SOLE   2,074 0 0
MERCK & CO. INC. COM 58933y105 727 8,855 SH   SOLE   8,855 0 0
MICROSOFT CORP COM 594918104 8,130 26,371 SH   SOLE   26,371 0 0
ORACLE CORP COM 68389x105 331 4,000 SH   SOLE   4,000 0 0
PFIZER INC COM 717081103 213 4,110 SH   SOLE   4,110 0 0
PROCTER & GAMBLE COM 742718109 431 2,821 SH   SOLE   2,821 0 0
SALESFORCE INC COM 79466l302 575 2,707 SH   SOLE   2,707 0 0
STARBUCKS CORP COM 855244109 522 5,738 SH   SOLE   5,738 0 0
TESLA INC COM 88160r101 533 495 SH   SOLE   495 0 0
UNITEDHEALTH GRP INC COM 91324p102 458 898 SH   SOLE   898 0 0
VERIZON COMMUNICATN COM 92343v104 336 6,600 SH   SOLE   6,600 0 0
WALT DISNEY CO COM 254687106 420 3,060 SH   SOLE   3,060 0 0
WELLS FARGO & CO COM 949746101 206 4,250 SH   SOLE   4,250 0 0
WHEELS UP EXPERIENCE I F COM 96328l106 179 57,603 SH   SOLE   57,603 0 0
ZOETIS INC CLASS A COM 98978v103 517 2,739 SH   SOLE   2,739 0 0
DEFIANCE NEXT GEN CONNECTIVITY ETF 26922a289 345 9,200 SH   SOLE   9,200 0 0
ENERGY SELECT SECTOR SPDR ETF ETF 81369y506 374 4,895 SH   SOLE   4,895 0 0
GLOBAL X CLOUD COMPUTING ETF ETF 37954y442 313 14,215 SH   SOLE   14,215 0 0
GLOBAL X FINTECH ETF ETF 37954y814 245 7,650 SH   SOLE   7,650 0 0
INVSC QQQ TRUST SRS 1 ETF ETF 46090e103 1,230 3,393 SH   SOLE   3,393 0 0
ISHARES COHEN AND STEERS REIT ETF 464287564 1,184 16,671 SH   SOLE   16,671 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 2,936 6,472 SH   SOLE   6,472 0 0
ISHARES CORE S&P MID CAP ETF ETF 464287507 4,276 15,935 SH   SOLE   15,935 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 815 7,558 SH   SOLE   7,558 0 0
ISHARES DOW JONES US ETF ETF 464287846 840 7,544 SH   SOLE   7,544 0 0
ISHARES MSCI EAFE ETF ETF 464287465 358 4,858 SH   SOLE   4,858 0 0
ISHARES MSCI EMERGING MARKETS ETF 464287234 1,546 34,230 SH   SOLE   34,230 0 0
ISHARES MSCI USA ESG SELECT ET ETF 464288802 353 3,648 SH   SOLE   3,648 0 0
ISHARES PREFERRED INCOME SEC E ETF 464288687 1,234 33,891 SH   SOLE   33,891 0 0
ISHARES RUSSELL 1000 GROWTH ET ETF 464287614 11,860 42,719 SH   SOLE   42,719 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 9,443 56,895 SH   SOLE   56,895 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 226 1,103 SH   SOLE   1,103 0 0
ISHARES RUSSELL 2000 GROWTH ET ETF 464287648 2,505 9,794 SH   SOLE   9,794 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 14,419 89,338 SH   SOLE   89,338 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 1,856 7,075 SH   SOLE   7,075 0 0
ISHARES RUSSELL MID CAP ETF ETF 464287499 13,263 169,957 SH   SOLE   169,957 0 0
ISHARES RUSSELL MID CAP VALUE ETF 464287473 1,506 12,591 SH   SOLE   12,591 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 6,921 90,616 SH   SOLE   90,616 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 2,288 14,690 SH   SOLE   14,690 0 0
ISHARES S&P MID CAP 400 VALUE ETF 464287705 2,378 21,690 SH   SOLE   21,690 0 0
ISHARES S&P SMALL CAP 600 ETF ETF 464287879 4,269 41,692 SH   SOLE   41,692 0 0
ISHARES S&P SMLL CAP 600 GRTH ETF 464287887 1,072 8,571 SH   SOLE   8,571 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 4,930 38,478 SH   SOLE   38,478 0 0
ISHARES U S CONSUMER DISCRTRY ETF 464287580 780 10,396 SH   SOLE   10,396 0 0
ISHARES U S CONSUMER STAPLES E ETF 464287812 200 1,000 SH   SOLE   1,000 0 0
ISHARES US INDUSTRIALS ETF ETF 464287754 253 2,400 SH   SOLE   2,400 0 0
ISHARES US REAL ESTATE ETF ETF 464287739 351 3,242 SH   SOLE   3,242 0 0
ISHARES US TECHNOLOGY ETF ETF 464287721 1,232 11,960 SH   SOLE   11,960 0 0
SELECT STR FINANCIAL SELECT SP ETF 81369y605 262 6,850 SH   SOLE   6,850 0 0
SPDR DOW JONES INDUSTRIAL AVER ETF 252787106 351 1,012 SH   SOLE   1,012 0 0
SPDR GOLD SHARES ETF ETF 78463v107 253 1,400 SH   SOLE   1,400 0 0
SPDR S&P 500 ETF ETF 78462f103 1,686 3,734 SH   SOLE   3,734 0 0
SPDR S&P 500 GROWTH ETF ETF 78464a409 268 4,055 SH   SOLE   4,055 0 0
SPDR S&P MIDCAP 400 ETF ETF 78467y107 5,108 10,416 SH   SOLE   10,416 0 0
SPDR S&P REGIONAL BANKING ETF ETF 78464a698 566 8,214 SH   SOLE   8,214 0 0
SPDR S&P SEMICONDUCTOR ETF ETF 78464a862 375 1,810 SH   SOLE   1,810 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF 81369y803 2,061 12,965 SH   SOLE   12,965 0 0
VANGUARD CONSUMER DISCRETIONAR ETF 92204a108 267 875 SH   SOLE   875 0 0
VANGUARD DIVIDEND APPRECIATION ETF 921908844 2,386 14,716 SH   SOLE   14,716 0 0
VANGUARD ENERGY ETF ETF 92204a306 1,036 9,675 SH   SOLE   9,675 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874 662 10,626 SH   SOLE   10,626 0 0
VANGUARD HEALTH CARE ETF ETF 92204a504 574 2,255 SH   SOLE   2,255 0 0
VANGUARD HIGH DIVIDEND YIELD E ETF 921946406 9,006 80,230 SH   SOLE   80,230 0 0
VANGUARD INDUSTRIALS ETF ETF 92204a603 690 3,550 SH   SOLE   3,550 0 0
VANGUARD INFORMATION TECHNOLOG ETF 92204a702 487 1,170 SH   SOLE   1,170 0 0
VANGUARD MID CAP ETF ETF 922908629 718 3,020 SH   SOLE   3,020 0 0
VANGUARD MID CAP VALUE ETF ETF 922908512 404 2,700 SH   SOLE   2,700 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 1,011 5,746 SH   SOLE   5,746 0 0
VANGUARD TOTAL STOCK MARKET ET ETF 922908769 7,628 33,503 SH   SOLE   33,503 0 0
WISDOMTREE US TOTAL DIVIDEND E ETF 97717w109 1,203 18,640 SH   SOLE   18,640 0 0
ISHARES BRD USD INV GRD CORP B ETF 464288620 343 6,225 SH   SOLE   6,225 0 0
ISHARES CALIFORNIA MUNI BOND E ETF 464288356 269 4,631 SH   SOLE   4,631 0 0
ISHARES CORE US AGGREGATE BOND ETF 464287226 623 5,821 SH   SOLE   5,821 0 0
ISHARES IBND DEC 2025 TRM MUN ETF 46435u432 1,665 62,460 SH   SOLE   62,460 0 0
ISHARES IBONDS DEC 2022 TERM E ETF 46434vba7 5,340 213,266 SH   SOLE   213,266 0 0
ISHARES IBONDS DEC 2023 MUNI B ETF 46435g318 3,150 123,645 SH   SOLE   123,645 0 0
ISHARES IBONDS DEC 2023 TERM E ETF 46434vax8 6,222 246,132 SH   SOLE   246,132 0 0
ISHARES IBONDS DEC 2024 TRM ET ETF 46434vbg4 5,768 229,810 SH   SOLE   229,810 0 0
ISHARES IBOXX HIGH YIELD BOND ETF 464288513 735 8,935 SH   SOLE   8,935 0 0
ISHARES IBOXX INVT GRADE BOND ETF 464287242 1,358 11,229 SH   SOLE   11,229 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 4,073 37,147 SH   SOLE   37,147 0 0
ISHARES SHORT TERM NTNL MUN BN ETF 464288158 710 6,785 SH   SOLE   6,785 0 0
ISHARES TIPS BOND ETF ETF 464287176 2,217 17,800 SH   SOLE   17,800 0 0
ISHARES TRT IS 5-10 INV GR CR ETF 464288638 390 7,100 SH   SOLE   7,100 0 0
ISHARS IBND DEC 2024 TRM MUNI ETF 46435u697 2,820 108,500 SH   SOLE   108,500 0 0
ISHR IBND DEC 2025 TRM ETF ETF 46434vbd1 2,456 97,252 SH   SOLE   97,252 0 0
ISHRS IBND DEC 2022 TRM MUN BN ETF 46435g755 2,821 108,843 SH   SOLE   108,843 0 0
JPMORGAN ULTRA SHORT INCOME ET ETF 46641q837 509 10,125 SH   SOLE   10,125 0 0
JPMORGAN ULTRA SHRT MUNCIPL IN ETF 46641q654 935 18,473 SH   SOLE   18,473 0 0
SPDR BLOOMBERG CONVRTBL SECRS ETF 78464a359 904 11,750 SH   SOLE   11,750 0 0
VANGUARD INTERMEDIATE TERM BON ETF 921937819 659 8,045 SH   SOLE   8,045 0 0
VANGUARD INTERMEDIATE TERM COR ETF 92206c870 523 6,084 SH   SOLE   6,084 0 0
VANGUARD MUNI BND TAX EXEMPT E ETF 922907746 951 18,450 SH   SOLE   18,450 0 0
VANGUARD SHORT TERM COR BD ETF ETF 92206c409 1,802 23,081 SH   SOLE   23,081 0 0
VANGUARD SHORT-TERM BOND ETF ETF 921937827 272 3,490 SH   SOLE   3,490 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 746 9,382 SH   SOLE   9,382 0 0