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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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
ISHARES TR CORE S&P500 ETF 464287200   48,026,550 125,001 SH   SOLE   0 0 125,001
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   41,260,554 983,096 SH   SOLE   0 0 983,096
APPLE INC COM 037833100   29,183,225 224,607 SH   SOLE   0 0 224,607
ISHARES TR CORE S&P SCP ETF 464287804   20,776,829 219,535 SH   SOLE   0 0 219,535
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   17,158,891 440,197 SH   SOLE   0 0 440,197
MICROSOFT CORP COM 594918104   16,762,163 69,895 SH   SOLE   0 0 69,895
ISHARES TR CORE MSCI INTL 46435G326   15,211,669 271,734 SH   SOLE   0 0 271,734
ALPHABET INC CAP STK CL A 02079K305   14,352,727 162,674 SH   SOLE   0 0 162,674
VANGUARD INDEX FDS SML CP GRW ETF 922908595   14,028,375 69,953 SH   SOLE   0 0 69,953
ISHARES GOLD TR ISHARES NEW 464285204   12,902,381 373,009 SH   SOLE   0 0 373,009
ISHARES TR IBOXX INV CP ETF 464287242   12,776,596 121,186 SH   SOLE   0 0 121,186
ISHARES TR CORE S&P MCP ETF 464287507   11,419,591 47,210 SH   SOLE   0 0 47,210
NIKE INC CL B 654106103   10,265,222 87,729 SH   SOLE   0 0 87,729
AMGEN INC COM 031162100   10,098,294 38,449 SH   SOLE   0 0 38,449
SHERWIN WILLIAMS CO COM 824348106   9,976,183 42,035 SH   SOLE   0 0 42,035
STARBUCKS CORP COM 855244109   9,644,796 97,226 SH   SOLE   0 0 97,226
JOHNSON & JOHNSON COM 478160104   9,511,128 53,842 SH   SOLE   0 0 53,842
HONEYWELL INTL INC COM 438516106   9,097,915 42,454 SH   SOLE   0 0 42,454
AMAZON COM INC COM 023135106   9,024,960 107,440 SH   SOLE   0 0 107,440
VISA INC COM CL A 92826C839   8,340,953 40,147 SH   SOLE   0 0 40,147
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   8,088,768 251,126 SH   SOLE   0 0 251,126
U HAUL HOLDING COMPANY COM SER N 023586506   8,087,228 147,094 SH   SOLE   0 0 147,094
DISCOVER FINL SVCS COM 254709108   7,982,181 81,592 SH   SOLE   0 0 81,592
CVS HEALTH CORP COM 126650100   7,296,031 78,292 SH   SOLE   0 0 78,292
NEXTERA ENERGY INC COM 65339F101   7,079,020 84,677 SH   SOLE   0 0 84,677
IQVIA HLDGS INC COM 46266C105   7,067,681 34,495 SH   SOLE   0 0 34,495
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   6,963,359 51,915 SH   SOLE   0 0 51,915
SCHLUMBERGER LTD COM STK 806857108   6,479,833 121,209 SH   SOLE   0 0 121,209
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   6,012,926 182,431 SH   SOLE   0 0 182,431
COSTCO WHSL CORP NEW COM 22160K105   5,864,199 12,846 SH   SOLE   0 0 12,846
LAUDER ESTEE COS INC CL A 518439104   5,761,859 23,223 SH   SOLE   0 0 23,223
ZOETIS INC CL A 98978V103   5,758,682 39,295 SH   SOLE   0 0 39,295
DISNEY WALT CO COM 254687106   5,667,704 65,236 SH   SOLE   0 0 65,236
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,465,796 15,557 SH   SOLE   0 0 15,557
UNITED PARCEL SERVICE INC CL B 911312106   5,289,453 30,427 SH   SOLE   0 0 30,427
WATSCO INC COM 942622200   4,996,978 20,036 SH   SOLE   0 0 20,036
ADOBE SYSTEMS INCORPORATED COM 00724F101   4,700,988 13,969 SH   SOLE   0 0 13,969
ILLUMINA INC COM 452327109   4,370,351 21,614 SH   SOLE   0 0 21,614
LOWES COS INC COM 548661107   4,350,605 21,836 SH   SOLE   0 0 21,836
HF SINCLAIR CORP COM 403949100   3,562,664 68,658 SH   SOLE   0 0 68,658
NVR INC COM 62944T105   2,809,061 609 SH   SOLE   0 0 609
CARMAX INC COM 143130102   2,750,340 45,169 SH   SOLE   0 0 45,169
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,700,073 66,652 SH   SOLE   0 0 66,652
LILLY ELI & CO COM 532457108   2,681,607 7,330 SH   SOLE   0 0 7,330
ISHARES TR RUSSELL 2000 ETF 464287655   2,647,624 15,185 SH   SOLE   0 0 15,185
ISHARES TR RUS MD CP GR ETF 464287481   2,646,943 31,662 SH   SOLE   0 0 31,662
QUALCOMM INC COM 747525103   2,585,569 23,518 SH   SOLE   0 0 23,518
ISHARES TR ESG AW MSCI EAFE 46435G516   2,514,555 38,250 SH   SOLE   0 0 38,250
F5 INC COM 315616102   2,475,691 17,251 SH   SOLE   0 0 17,251
ISHARES TR 7-10 YR TRSY BD 464287440   2,460,876 25,693 SH   SOLE   0 0 25,693
NVIDIA CORPORATION COM 67066G104   2,378,867 16,278 SH   SOLE   0 0 16,278
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   2,259,643 39,511 SH   SOLE   0 0 39,511
ISHARES TR ESG AWR MSCI USA 46435G425   2,177,312 25,691 SH   SOLE   0 0 25,691
PAYPAL HLDGS INC COM 70450Y103   2,076,277 29,153 SH   SOLE   0 0 29,153
CISCO SYS INC COM 17275R102   2,072,340 43,500 SH   SOLE   0 0 43,500
PINTEREST INC CL A 72352L106   2,050,665 84,459 SH   SOLE   0 0 84,459
BANK AMERICA CORP COM 060505104   2,009,125 60,662 SH   SOLE   0 0 60,662
SALESFORCE INC COM 79466L302   1,960,741 14,788 SH   SOLE   0 0 14,788
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,951,134 7,312 SH   SOLE   0 0 7,312
ISHARES TR ESG AWARE MSCI 46435U663   1,928,938 58,666 SH   SOLE   0 0 58,666
TFS FINL CORP COM 87240R107   1,841,094 127,765 SH   SOLE   0 0 127,765
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,623,913 24,751 SH   SOLE   0 0 24,751
C H ROBINSON WORLDWIDE INC COM NEW 12541W209   1,590,123 17,367 SH   SOLE   0 0 17,367
U HAUL HOLDING COMPANY COM 023586100   1,467,492 24,381 SH   SOLE   0 0 24,381
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,420,825 31,469 SH   SOLE   0 0 31,469
WILLIAMS SONOMA INC COM 969904101   1,405,768 12,233 SH   SOLE   0 0 12,233
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,350,820 4,373 SH   SOLE   0 0 4,373
SYSCO CORP COM 871829107   1,306,607 17,091 SH   SOLE   0 0 17,091
ISHARES TR ESG AWRE USD ETF 46435G193   1,295,775 58,113 SH   SOLE   0 0 58,113
ISHARES TR RUS 1000 ETF 464287622   1,068,178 5,074 SH   SOLE   0 0 5,074
V F CORP COM 918204108   1,045,839 37,879 SH   SOLE   0 0 37,879
GILEAD SCIENCES INC COM 375558103   1,013,439 11,805 SH   SOLE   0 0 11,805
ISHARES INC ESG AWR MSCI EM 46434G863   817,273 27,179 SH   SOLE   0 0 27,179
CHEVRON CORP NEW COM 166764100   813,090 4,530 SH   SOLE   0 0 4,530
TEXAS INSTRS INC COM 882508104   812,882 4,920 SH   SOLE   0 0 4,920
JPMORGAN CHASE & CO COM 46625H100   797,350 5,946 SH   SOLE   0 0 5,946
HOME DEPOT INC COM 437076102   503,165 1,593 SH   SOLE   0 0 1,593
US BANCORP DEL COM NEW 902973304   428,730 9,831 SH   SOLE   0 0 9,831
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   425,741 8,648 SH   SOLE   0 0 8,648
PEPSICO INC COM 713448108   389,283 2,155 SH   SOLE   0 0 2,155
NEW RELIC INC COM 64829B100   360,885 6,393 SH   SOLE   0 0 6,393
VANGUARD INDEX FDS GROWTH ETF 922908736   347,369 1,630 SH   SOLE   0 0 1,630
COCA COLA CO COM 191216100   342,731 5,388 SH   SOLE   0 0 5,388
VANGUARD INDEX FDS SMALL CP ETF 922908751   338,998 1,847 SH   SOLE   0 0 1,847
ISHARES TR MORNINGSTAR GRWT 464287119   328,103 6,740 SH   SOLE   0 0 6,740
AMER STATES WTR CO COM 029899101   298,104 3,221 SH   SOLE   0 0 3,221
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   293,763 3,790 SH   SOLE   0 0 3,790
UNION PAC CORP COM 907818108   278,095 1,343 SH   SOLE   0 0 1,343
TESLA INC COM 88160R101   266,315 2,162 SH   SOLE   0 0 2,162
SPDR S&P 500 ETF TR TR UNIT 78462F103   265,024 693 SH   SOLE   0 0 693
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   255,965 5,105 SH   SOLE   0 0 5,105
MARRIOTT INTL INC NEW CL A 571903202   249,986 1,679 SH   SOLE   0 0 1,679
EXXON MOBIL CORP COM 30231G102   235,075 2,131 SH   SOLE   0 0 2,131
FIRST SOLAR INC COM 336433107   212,402 1,418 SH   SOLE   0 0 1,418