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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
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 BBG001T79CF8 20,660,587 245,507 SH   SOLE   245,507 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 650,185 4,969 SH   SOLE   4,969 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,025,970 8,071 SH   SOLE   8,071 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,286,040 7,511 SH   SOLE   7,511 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 378,073 1,079 SH   SOLE   1,079 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 291,842 351 SH   SOLE   351 0 0
CENOVUS ENERGY INC COM 15135U109 BBG001T2PJV8 249,840 12,000 SH   SOLE   12,000 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 276,849 1,642 SH   SOLE   1,642 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 272,378 5,067 SH   SOLE   5,067 0 0
DBX ETF TR XTRACK INTL REAL 233051846 BBG005BJ0T91 555,774,968 28,501,280 SH   SOLE   28,501,280 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 BBG009RY6HH4 661,063,497 29,263,546 SH   SOLE   29,263,546 0 0
DBX ETF TR XTRACK USD HIGH 233051432 BBG00FGWY4G5 254,416,383 7,504,908 SH   SOLE   7,504,908 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 370,600 3,152 SH   SOLE   3,152 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 BBG005FHWBL1 231,231 1,881 SH   SOLE   1,881 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 BBG002WKD6P0 250,913 5,627 SH   SOLE   5,627 0 0
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 46,391,355 2,466,313 SH   SOLE   2,466,313 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 367,053 1,215 SH   SOLE   1,215 0 0
HUMANA INC COM 444859102 BBG001S5S1X6 319,644 657 SH   SOLE   657 0 0
ICAHN ENTERPRISES LP DEPOSITARY UNIT 451100101 BBG001S5NBT4 271,670 13,735 SH   SOLE   13,735 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 BBG001T06LL9 321,123,252 13,682,286 SH   SOLE   13,682,286 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 BBG001SS8729 505,746,125 11,618,335 SH   SOLE   11,618,335 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 467,604,471 26,240,430 SH   SOLE   26,240,430 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 261,923,975 8,866,756 SH   SOLE   8,866,756 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 BBG001V0MBC0 82,426,851 3,926,958 SH   SOLE   3,926,958 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 797,339,954 25,057,824 SH   SOLE   25,057,824 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 664,029,376 20,128,202 SH   SOLE   20,128,202 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,448,271 4,042 SH   SOLE   4,042 0 0
INVESCO SR INCOME TR COM 46131H107 BBG001SB0BV3 70,765 18,052 SH   SOLE   18,052 0 0
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 720,696,430 20,597,212 SH   SOLE   20,597,212 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 365,536,228 7,680,946 SH   SOLE   7,680,946 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 235,139 5,731 SH   SOLE   5,731 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 364,304,696 3,219,377 SH   SOLE   3,219,377 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 566,759 6,188 SH   SOLE   6,188 0 0
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 21,415,249 616,976 SH   SOLE   616,976 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 406,157,254 7,406,223 SH   SOLE   7,406,223 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 22,248,416 456,097 SH   SOLE   456,097 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 602,303 6,395 SH   SOLE   6,395 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 790,600 1,841 SH   SOLE   1,841 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 550,427 5,853 SH   SOLE   5,853 0 0
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 112,847,805 2,391,857 SH   SOLE   2,391,857 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 877,955 17,619 SH   SOLE   17,619 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 226,271 4,651 SH   SOLE   4,651 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 387,051,985 4,358,694 SH   SOLE   4,358,694 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 979,802,923 9,555,324 SH   SOLE   9,555,324 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 354,522 7,065 SH   SOLE   7,065 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 240,806 1,546 SH   SOLE   1,546 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 358,439 2,472 SH   SOLE   2,472 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,366,714 4,328 SH   SOLE   4,328 0 0
NUVEEN FLOATING RATE INCOME COM 67072T108 BBG001SJ9S31 199,524 24,303 SH   SOLE   24,303 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 482,571 1,109 SH   SOLE   1,109 0 0
OLO INC CL A 68134L109 BBG00ZCX7044 227,783 37,588 SH   SOLE   37,588 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 617,024 38,564 SH   SOLE   38,564 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 273,287 1,874 SH   SOLE   1,874 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 363,829 3,276 SH   SOLE   3,276 0 0
REE AUTOMOTIVE LTD CLASS A ORD SHS M8287R103 BBG00YVK1Z98 7,367 50,250 SH   SOLE   50,250 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 BBG00PZFPGG2 4,292,400,875 101,715,661 SH   SOLE   101,715,661 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 1,940,788,256 81,068,849 SH   SOLE   81,068,849 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 2,500,706,848 73,636,833 SH   SOLE   73,636,833 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 1,241,404,490 38,493,162 SH   SOLE   38,493,162 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 3,703,590,878 77,254,712 SH   SOLE   77,254,712 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 6,961,853,697 124,385,451 SH   SOLE   124,385,451 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 4,475,419,917 92,295,729 SH   SOLE   92,295,729 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 BBG0051QPC87 3,139,976,613 119,755,020 SH   SOLE   119,755,020 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 4,102,557,235 129,540,803 SH   SOLE   129,540,803 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 1,770,561,720 55,089,039 SH   SOLE   55,089,039 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 532,606 10,684 SH   SOLE   10,684 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 681,833,070 9,635,855 SH   SOLE   9,635,855 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 232,990 3,204 SH   SOLE   3,204 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 4,871,701,566 96,278,687 SH   SOLE   96,278,687 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 912,403,099 51,402,992 SH   SOLE   51,402,992 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 3,056,617,630 73,795,694 SH   SOLE   73,795,694 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 872,355,901 17,277,796 SH   SOLE   17,277,796 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 236,599 1,443 SH   SOLE   1,443 0 0
SNAP INC CL A 83304A106 BBG00441QMK5 312,723 35,098 SH   SOLE   35,098 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 213,747 6,893 SH   SOLE   6,893 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 797,682 1,866 SH   SOLE   1,866 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391 BBG001V0JXM5 949,630,244 47,888,565 SH   SOLE   47,888,565 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 BBG001T5L3N9 4,597,475 141,635 SH   SOLE   141,635 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 925,990 21,190 SH   SOLE   21,190 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 94,864,812 3,819,034 SH   SOLE   3,819,034 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 561,809,166 17,863,566 SH   SOLE   17,863,566 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 273,493 9,328 SH   SOLE   9,328 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 206,232 2,260 SH   SOLE   2,260 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 1,051,395 4,202 SH   SOLE   4,202 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 216,947 430 SH   SOLE   430 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 BBG001T9BPT7 183,107,176 7,671,017 SH   SOLE   7,671,017 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 267,161 3,829 SH   SOLE   3,829 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 29,946,681 626,107 SH   SOLE   626,107 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 498,934,645 1,270,524 SH   SOLE   1,270,524 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 314,965,873 1,665,869 SH   SOLE   1,665,869 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,572,438 7,403 SH   SOLE   7,403 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 204,016 1,479 SH   SOLE   1,479 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 227,441 5,801 SH   SOLE   5,801 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 177,697,789 1,673,237 SH   SOLE   1,673,237 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 BBG001TCVT65 252,336,138 6,481,791 SH   SOLE   6,481,791 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,314,616,091 27,330,896 SH   SOLE   27,330,896 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 12,645,327 166,430 SH   SOLE   166,430 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 5,780,398,741 132,032,863 SH   SOLE   132,032,863 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 408,178,473 9,336,196 SH   SOLE   9,336,196 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 91,960,722 890,057 SH   SOLE   890,057 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 104,729,811 1,692,193 SH   SOLE   1,692,193 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 204,388 889 SH   SOLE   889 0 0
WALMART INC COM 931142103 BBG001S5XH92 217,255 1,358 SH   SOLE   1,358 0 0