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
ABBOTT LABS COM 002824100 235 1,670 SH   SOLE   0 0 1,670
ADOBE SYSTEMS INCORPORATED COM 00724F101 323 570 SH   SOLE   0 0 570
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 437 3,682 SH   SOLE   0 0 3,682
ALPHABET INC CAP STK CL C 02079K107 1,036 358 SH   SOLE   0 0 358
ALPHABET INC CAP STK CL A 02079K305 1,168 403 SH   SOLE   0 0 403
AMAZON COM INC COM 023135106 1,804 541 SH   SOLE   0 0 541
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 788 12,201 SH   SOLE   0 0 12,201
AMGEN INC COM 031162100 373 1,657 SH   SOLE   0 0 1,657
APPLE INC COM 037833100 14,960 84,250 SH   SOLE   0 0 84,250
BK OF AMERICA CORP COM 060505104 364 8,176 SH   SOLE   0 0 8,176
BLACKROCK MUNIYIELD CALIF QU COM 09254N103 243 15,300 SH   SOLE   0 0 15,300
BLACKSTONE INC COM 09260D107 268 2,072 SH   SOLE   0 0 2,072
CHEVRON CORP NEW COM 166764100 324 2,762 SH   SOLE   0 0 2,762
CISCO SYS INC COM 17275R102 267 4,206 SH   SOLE   0 0 4,206
COINBASE GLOBAL INC COM CL A 19260Q107 252 1,000 SH   SOLE   0 0 1,000
COSTCO WHSL CORP NEW COM 22160K105 361 635 SH   SOLE   0 0 635
DANAHER CORPORATION COM 235851102 202 612 SH   SOLE   0 0 612
DISNEY WALT CO COM 254687106 570 3,682 SH   SOLE   0 0 3,682
EOG RES INC COM 26875P101 302 3,402 SH   SOLE   0 0 3,402
FLEXSHARES TR M STAR DEV MKT 33939L803 274 3,809 SH   SOLE   0 0 3,809
GENERAL MTRS CO COM 37045V100 273 4,656 SH   SOLE   0 0 4,656
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 35,543 1,007,735 SH   SOLE   0 0 1,007,735
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 7,618 205,847 SH   SOLE   0 0 205,847
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 65,570 689,196 SH   SOLE   0 0 689,196
HOME DEPOT INC COM 437076102 1,257 3,028 SH   SOLE   0 0 3,028
HONEYWELL INTL INC COM 438516106 310 1,485 SH   SOLE   0 0 1,485
INFINITY PHARMACEUTICALS INC COM 45665G303 329 146,200 SH   SOLE   0 0 146,200
INTEL CORP COM 458140100 593 11,516 SH   SOLE   0 0 11,516
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 459 12,477 SH   SOLE   0 0 12,477
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 1,184 24,987 SH   SOLE   0 0 24,987
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619 3,977 78,447 SH   SOLE   0 0 78,447
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 5,841 30,468 SH   SOLE   0 0 30,468
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 39,050 227,433 SH   SOLE   0 0 227,433
INVESCO QQQ TR UNIT SER 1 46090E103 994 2,499 SH   SOLE   0 0 2,499
ISHARES GOLD TR ISHARES NEW 464285204 280 8,039 SH   SOLE   0 0 8,039
ISHARES INC CORE MSCI EMKT 46434G103 395 6,599 SH   SOLE   0 0 6,599
ISHARES INC MSCI EMERG MKT 46434G889 5,243 102,551 SH   SOLE   0 0 102,551
ISHARES TR CORE S&P500 ETF 464287200 487 1,020 SH   SOLE   0 0 1,020
ISHARES TR RUS MID CAP ETF 464287499 235 2,836 SH   SOLE   0 0 2,836
ISHARES TR RUS 1000 ETF 464287622 1,001 3,784 SH   SOLE   0 0 3,784
ISHARES TR U.S. FINLS ETF 464287788 1,452 16,749 SH   SOLE   0 0 16,749
ISHARES TR MSCI KLD400 SOC 464288570 512 5,510 SH   SOLE   0 0 5,510
ISHARES TR MSCI INTL MULTFT 46434V274 20,314 704,852 SH   SOLE   0 0 704,852
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 7,509 147,057 SH   SOLE   0 0 147,057
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 400 7,920 SH   SOLE   0 0 7,920
JOHNSON & JOHNSON COM 478160104 298 1,742 SH   SOLE   0 0 1,742
JPMORGAN CHASE & CO COM 46625H100 658 4,158 SH   SOLE   0 0 4,158
LIBERTY MEDIA CORP DEL DEB 4.000%11/1 530715AG6 35 50,000 PRN   SOLE   0 0 50,000
LOWES COS INC COM 548661107 335 1,295 SH   SOLE   0 0 1,295
MARATHON PETE CORP COM 56585A102 201 3,140 SH   SOLE   0 0 3,140
MASTERCARD INCORPORATED CL A 57636Q104 465 1,293 SH   SOLE   0 0 1,293
MCCORMICK & CO INC COM NON VTG 579780206 218 2,256 SH   SOLE   0 0 2,256
MERCK & CO INC COM 58933Y105 294 3,842 SH   SOLE   0 0 3,842
META PLATFORMS INC CL A 30303M102 402 1,194 SH   SOLE   0 0 1,194
MICROCHIP TECHNOLOGY INC. COM 595017104 318 3,652 SH   SOLE   0 0 3,652
MICROSOFT CORP COM 594918104 3,295 9,798 SH   SOLE   0 0 9,798
NETFLIX INC COM 64110L106 1,800 2,988 SH   SOLE   0 0 2,988
NEXTERA ENERGY INC COM 65339F101 243 2,601 SH   SOLE   0 0 2,601
NIKE INC CL B 654106103 240 1,443 SH   SOLE   0 0 1,443
NOVO-NORDISK A S ADR 670100205 232 2,068 SH   SOLE   0 0 2,068
NUVEEN AMT FREE QLTY MUN INC COM 670657105 312 20,000 SH   SOLE   0 0 20,000
NUVEEN FLOATING RATE INCOME COM 67072T108 305 30,000 SH   SOLE   0 0 30,000
NUVEEN QUALITY MUNCP INCOME COM 67066V101 161 10,000 SH   SOLE   0 0 10,000
ORACLE CORP COM 68389X105 1,426 16,355 SH   SOLE   0 0 16,355
PALO ALTO NETWORKS INC COM 697435105 214 385 SH   SOLE   0 0 385
PAYPAL HLDGS INC COM 70450Y103 530 2,811 SH   SOLE   0 0 2,811
PEPSICO INC COM 713448108 405 2,332 SH   SOLE   0 0 2,332
PFIZER INC COM 717081103 267 4,527 SH   SOLE   0 0 4,527
PHILIP MORRIS INTL INC COM 718172109 202 2,126 SH   SOLE   0 0 2,126
PIMCO DYNAMIC INCOME FD SHS 72201Y101 337 13,014 SH   SOLE   0 0 13,014
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,353 12,365 SH   SOLE   0 0 12,365
PROCTER AND GAMBLE CO COM 742718109 402 2,457 SH   SOLE   0 0 2,457
QUALCOMM INC COM 747525103 378 2,066 SH   SOLE   0 0 2,066
RAYTHEON TECHNOLOGIES CORP COM 75513E101 324 3,763 SH   SOLE   0 0 3,763
S&P GLOBAL INC COM 78409V104 268 568 SH   SOLE   0 0 568
SALESFORCE COM INC COM 79466L302 280 1,101 SH   SOLE   0 0 1,101
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 110,815 980,579 SH   SOLE   0 0 980,579
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 581 5,107 SH   SOLE   0 0 5,107
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,018 9,937 SH   SOLE   0 0 9,937
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,110 71,233 SH   SOLE   0 0 71,233
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,013 32,682 SH   SOLE   0 0 32,682
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 36,889 1,134,705 SH   SOLE   0 0 1,134,705
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 12,994 233,665 SH   SOLE   0 0 233,665
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 30,822 525,875 SH   SOLE   0 0 525,875
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 3,244 55,900 SH   SOLE   0 0 55,900
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 68,415 1,760,106 SH   SOLE   0 0 1,760,106
SCHWAB STRATEGIC TR US REIT ETF 808524847 317 6,013 SH   SOLE   0 0 6,013
SCHWAB STRATEGIC TR US TIPS ETF 808524870 916 14,564 SH   SOLE   0 0 14,564
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,272 14,036 SH   SOLE   0 0 14,036
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 7,871 55,867 SH   SOLE   0 0 55,867
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 3,422 44,383 SH   SOLE   0 0 44,383
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 5,999 29,345 SH   SOLE   0 0 29,345
SELECT SECTOR SPDR TR ENERGY 81369Y506 830 14,962 SH   SOLE   0 0 14,962
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 5,182 132,712 SH   SOLE   0 0 132,712
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 4,945 46,736 SH   SOLE   0 0 46,736
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 16,060 92,371 SH   SOLE   0 0 92,371
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 316 4,062 SH   SOLE   0 0 4,062
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 954 18,410 SH   SOLE   0 0 18,410
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,366 19,086 SH   SOLE   0 0 19,086
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,362 37,340 SH   SOLE   0 0 37,340
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,324 6,999 SH   SOLE   0 0 6,999
SPDR SER TR NUVEEN BLMBRG MU 78468R721 739 14,285 SH   SOLE   0 0 14,285
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 5,849 123,553 SH   SOLE   0 0 123,553
TARGET CORP COM 87612E106 515 2,224 SH   SOLE   0 0 2,224
TESLA INC COM 88160R101 1,606 1,520 SH   SOLE   0 0 1,520
TEXAS INSTRS INC COM 882508104 424 2,252 SH   SOLE   0 0 2,252
THE TRADE DESK INC COM CL A 88339J105 376 4,100 SH   SOLE   0 0 4,100
THERMO FISHER SCIENTIFIC INC COM 883556102 239 358 SH   SOLE   0 0 358
T-MOBILE US INC COM 872590104 368 3,171 SH   SOLE   0 0 3,171
UNITEDHEALTH GROUP INC COM 91324P102 325 648 SH   SOLE   0 0 648
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,462 30,462 SH   SOLE   0 0 30,462
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,223 2,801 SH   SOLE   0 0 2,801
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,198 18,946 SH   SOLE   0 0 18,946
VANGUARD INDEX FDS MID CAP ETF 922908629 2,721 10,682 SH   SOLE   0 0 10,682
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 365 2,728 SH   SOLE   0 0 2,728
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 21,993 358,898 SH   SOLE   0 0 358,898
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 17,759 359,049 SH   SOLE   0 0 359,049
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,936 73,047 SH   SOLE   0 0 73,047
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,318 14,208 SH   SOLE   0 0 14,208
VANGUARD STAR FDS VG TL INTL STK F 921909768 4,091 64,350 SH   SOLE   0 0 64,350
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 4,626 13,580 SH   SOLE   0 0 13,580
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 4,090 20,464 SH   SOLE   0 0 20,464
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,946 25,080 SH   SOLE   0 0 25,080
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 4,739 49,068 SH   SOLE   0 0 49,068
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 7,717 28,967 SH   SOLE   0 0 28,967
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 3,251 16,019 SH   SOLE   0 0 16,019
VANGUARD WORLD FDS INF TECH ETF 92204A702 13,468 29,395 SH   SOLE   0 0 29,395
VANGUARD WORLD FDS MATERIALS ETF 92204A801 1,273 6,467 SH   SOLE   0 0 6,467
VANGUARD WORLD FDS UTILITIES ETF 92204A876 1,938 12,391 SH   SOLE   0 0 12,391
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 9,380 69,197 SH   SOLE   0 0 69,197
VISA INC COM CL A 92826C839 444 2,047 SH   SOLE   0 0 2,047
WALMART INC COM 931142103 811 5,606 SH   SOLE   0 0 5,606
ZOETIS INC CL A 98978V103 230 943 SH   SOLE   0 0 943