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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 21,076,659 220,698 SH   SOLE   220,698 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 213,587 616 SH   SOLE   616 0 0
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 235,386 1,304 SH   SOLE   1,304 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 783,220 5,189 SH   SOLE   5,189 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,108,891 6,148 SH   SOLE   6,148 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,259,538 7,345 SH   SOLE   7,345 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 481,931 1,146 SH   SOLE   1,146 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 333,089 251 SH   SOLE   251 0 0
CENOVUS ENERGY INC COM 15135U109 BBG001T2PJV8 243,378 12,175 SH   SOLE   12,175 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 394,124 2,499 SH   SOLE   2,499 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 275,695 5,524 SH   SOLE   5,524 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 219,397 3,586 SH   SOLE   3,586 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 258,074 352 SH   SOLE   352 0 0
DBX ETF TR XTRACK INTL REAL 233051846 BBG005BJ0T91 644,211,102 29,755,831 SH   SOLE   29,755,831 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 BBG009RY6HH4 738,152,088 29,921,041 SH   SOLE   29,921,041 0 0
DBX ETF TR XTRACK USD HIGH 233051432 BBG00FGWY4G5 266,580,150 7,465,140 SH   SOLE   7,465,140 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 249,322 2,145 SH   SOLE   2,145 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 BBG005FHWBL1 377,095 2,420 SH   SOLE   2,420 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 BBG002WKD6P0 237,736 4,930 SH   SOLE   4,930 0 0
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 411,599 20,417 SH   SOLE   20,417 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 500,478 1,305 SH   SOLE   1,305 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 BBG007HL81B6 148,055 10,674 SH   SOLE   10,674 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 BBG001T06LL9 236,384,575 9,504,808 SH   SOLE   9,504,808 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 BBG001SS8729 565,255,936 11,384,812 SH   SOLE   11,384,812 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 504,786,240 25,939,683 SH   SOLE   25,939,683 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 289,766,684 8,812,855 SH   SOLE   8,812,855 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 BBG001V0MBC0 83,575,602 3,951,565 SH   SOLE   3,951,565 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 926,979,153 24,096,157 SH   SOLE   24,096,157 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 799,635,125 20,357,310 SH   SOLE   20,357,310 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 2,020,122 4,550 SH   SOLE   4,550 0 0
INVESCO SR INCOME TR COM 46131H107 BBG001SB0BV3 77,264 18,052 SH   SOLE   18,052 0 0
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 855,946,230 20,374,821 SH   SOLE   20,374,821 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 390,985,518 7,577,239 SH   SOLE   7,577,239 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 200,228 4,706 SH   SOLE   4,706 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 314,259,989 2,713,582 SH   SOLE   2,713,582 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 377,599 3,989 SH   SOLE   3,989 0 0
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 21,475,440 586,921 SH   SOLE   586,921 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 551,381,843 9,582,583 SH   SOLE   9,582,583 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 26,786,720 536,271 SH   SOLE   536,271 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 397,494 5,356 SH   SOLE   5,356 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 466,830 4,049 SH   SOLE   4,049 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 1,245,607 2,369 SH   SOLE   2,369 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 225,762 4,952 SH   SOLE   4,952 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 584,068 5,964 SH   SOLE   5,964 0 0
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 139,703,299 2,596,716 SH   SOLE   2,596,716 0 0
ISHARES TR INTERNATIONAL SL 46434V266 BBG008LP7B65 226,025 6,853 SH   SOLE   6,853 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 871,885 17,002 SH   SOLE   17,002 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 260,993 5,058 SH   SOLE   5,058 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 496,186,877 5,368,826 SH   SOLE   5,368,826 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 927,374,446 8,618,722 SH   SOLE   8,618,722 0 0
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 45,103,027 1,399,411 SH   SOLE   1,399,411 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 633,358 1,879 SH   SOLE   1,879 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 363,477 2,029 SH   SOLE   2,029 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 506,619 10,042 SH   SOLE   10,042 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 BBG00LYBQSH3 308,078 6,831 SH   SOLE   6,831 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 241,731 1,528 SH   SOLE   1,528 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 516,753 2,580 SH   SOLE   2,580 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 233,458 828 SH   SOLE   828 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 261,161 1,979 SH   SOLE   1,979 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 299,049 616 SH   SOLE   616 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,116,938 5,032 SH   SOLE   5,032 0 0
NUVEEN FLOATING RATE INCOME COM 67072T108 BBG001SJ9S31 212,161 24,303 SH   SOLE   24,303 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,583,997 1,753 SH   SOLE   1,753 0 0
OLO INC CL A 68134L109 BBG00ZCX7044 206,358 37,588 SH   SOLE   37,588 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 269,564 2,146 SH   SOLE   2,146 0 0
PIMCO HIGH INCOME FD COM SHS 722014107 BBG001SGV4P1 49,555 10,031 SH   SOLE   10,031 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 364,452 2,246 SH   SOLE   2,246 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 527,332 3,115 SH   SOLE   3,115 0 0
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530 BBG00TCBL6Q3 50,000 50,000 SH   SOLE   50,000 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 BBG00PZFPGG2 4,947,456,552 111,203,789 SH   SOLE   111,203,789 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 2,153,907,565 85,303,270 SH   SOLE   85,303,270 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 2,978,081,458 76,321,924 SH   SOLE   76,321,924 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 1,402,662,718 39,180,523 SH   SOLE   39,180,523 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 3,974,754,983 81,034,760 SH   SOLE   81,034,760 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 8,620,775,295 127,923,658 SH   SOLE   127,923,658 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 5,472,143,533 95,952,017 SH   SOLE   95,952,017 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 BBG0051QPC87 3,466,613,530 124,878,009 SH   SOLE   124,878,009 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 4,775,109,120 134,094,612 SH   SOLE   134,094,612 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 1,972,853,435 55,620,339 SH   SOLE   55,620,339 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 623,572 10,214 SH   SOLE   10,214 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 783,833,355 9,721,361 SH   SOLE   9,721,361 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 358,368 3,865 SH   SOLE   3,865 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 6,060,717,062 97,658,992 SH   SOLE   97,658,992 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 1,093,376,573 53,860,915 SH   SOLE   53,860,915 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 3,761,018,533 76,381,367 SH   SOLE   76,381,367 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 934,682,706 17,919,530 SH   SOLE   17,919,530 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 585,329 2,810 SH   SOLE   2,810 0 0
SNAP INC CL A 83304A106 BBG00441QMK5 411,070 35,807 SH   SOLE   35,807 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 228,268 6,369 SH   SOLE   6,369 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,140,175 2,180 SH   SOLE   2,180 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391 BBG001V0JXM5 999,819,558 48,771,686 SH   SOLE   48,771,686 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 BBG001T5L3N9 5,090,678 145,990 SH   SOLE   145,990 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 883,072 18,999 SH   SOLE   18,999 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 90,608,786 3,536,643 SH   SOLE   3,536,643 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 408,225,468 12,487,778 SH   SOLE   12,487,778 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 203,953 3,315 SH   SOLE   3,315 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 226,070 2,474 SH   SOLE   2,474 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 954,685 5,431 SH   SOLE   5,431 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 239,577 484 SH   SOLE   484 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 BBG001T9BPT7 175,618,639 7,165,183 SH   SOLE   7,165,183 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 427,035 5,880 SH   SOLE   5,880 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 26,560,012 539,947 SH   SOLE   539,947 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 369,671 1,074 SH   SOLE   1,074 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 326,795 1,363 SH   SOLE   1,363 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 573,944,533 1,193,977 SH   SOLE   1,193,977 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 411,318,780 1,799,373 SH   SOLE   1,799,373 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,251,295 4,815 SH   SOLE   4,815 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 255,323 1,568 SH   SOLE   1,568 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 199,080,491 1,703,873 SH   SOLE   1,703,873 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 BBG001TCVT65 276,094,412 6,551,837 SH   SOLE   6,551,837 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,491,989,752 29,485,963 SH   SOLE   29,485,963 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 342,523 5,850 SH   SOLE   5,850 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 11,056,940 137,336 SH   SOLE   137,336 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 6,157,155,374 134,995,733 SH   SOLE   134,995,733 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 231,129 1,266 SH   SOLE   1,266 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 609,927 10,115 SH   SOLE   10,115 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 467,956,972 9,327,426 SH   SOLE   9,327,426 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 98,841,062 816,936 SH   SOLE   816,936 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 107,085,264 1,556,472 SH   SOLE   1,556,472 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 229,849 438 SH   SOLE   438 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 264,440 6,302 SH   SOLE   6,302 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 268,496 962 SH   SOLE   962 0 0
WALMART INC COM 931142103 BBG001S5XH92 286,045 4,754 SH   SOLE   4,754 0 0