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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106 310 95 SH   SOLE 0 95 0 0
VANGUARD TOTAL STOCK MARKET INDEX ETF ETF 922908769 369,418 1,622,604 SH   SOLE 0 1,622,603 0 0
INVESCO FUNDAMENTAL HIGH YIELD CORPORATE BOND ETF ETF 46138E719 2,298 125,087 SH   SOLE 0 125,086 0 0
VANGUARD REAL ESTATE INDEX ETF ETF 922908553 43,951 405,567 SH   SOLE 0 405,566 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846 445 4,000 SH   SOLE 0 4,000 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 449 4,296 SH   SOLE 0 4,296 0 0
SPDR TR UNIT SER 1 ETF 78462F103 972 2,153 SH   SOLE 0 2,153 0 0
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN INDEX FUND ETF 464288182 686 9,142 SH   SOLE 0 9,142 0 0
ISHARES S&P 100 ETF ETF 464287101 941 4,512 SH   SOLE 0 4,512 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 314 2,531 SH   SOLE 0 2,531 0 0
ISHARES CORE MSCI PACIFIC ETF ETF 46434V696 5,797 95,197 SH   SOLE 0 95,196 0 0
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 3,364 57,819 SH   SOLE 0 57,819 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 5,672 119,753 SH   SOLE 0 119,753 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 8,063 151,029 SH   SOLE 0 151,028 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 1,500 40,844 SH   SOLE 0 40,843 0 0
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 304 4,070 SH   SOLE 0 4,069 0 0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853 1,462 37,632 SH   SOLE 0 37,632 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 532 1,507 SH   SOLE 0 1,507 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 6,387 229,988 SH   SOLE 0 229,987 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 8,134 214,216 SH   SOLE 0 214,215 0 0
JPMORGAN BETABUILDERS EUROPE ETF ETF 46641Q191 617 11,246 SH   SOLE 0 11,246 0 0
VANGUARD ESG U.S. STOCK ETF ETF 921910733 233 2,868 SH   SOLE 0 2,868 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764 865 14,865 SH   SOLE 0 14,865 0 0
VANGUARD FTSE EUROPE INDEX ETF ETF 922042874 63,891 1,025,868 SH   SOLE 0 1,025,867 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 584 8,184 SH   SOLE 0 8,183 0 0
SCHWAB U.S. TIPS ETF ETF 808524870 2,543 41,891 SH   SOLE 0 41,891 0 0
SCHWAB U.S. REIT ETF ETF 808524847 328 13,175 SH   SOLE 0 13,174 0 0
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 1,246 19,904 SH   SOLE 0 19,904 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 390 6,535 SH   SOLE 0 6,535 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 210 1,965 SH   SOLE 0 1,965 0 0
VANGUARD FTSE PACIFIC INDEX ETF ETF 922042866 65,644 886,484 SH   SOLE 0 886,484 0 0
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 1,529 58,280 SH   SOLE 0 58,279 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839 5,484 108,445 SH   SOLE 0 108,444 0 0
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401 310 6,324 SH   SOLE 0 6,324 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 319 3,162 SH   SOLE 0 3,162 0 0
VANGUARD TOTAL BOND INDEX ETF ETF 921937835 5,223 65,666 SH   SOLE 0 65,666 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 5,462 104,157 SH   SOLE 0 104,157 0 0
VANGUARD INTERMEDIATE-TERM B ETF 921937819 509 6,219 SH   SOLE 0 6,219 0 0
CHEVRON CORP NEW COM Stock 166764100 308 1,889 SH   SOLE 0 1,889 0 0
ISHARES S&P NAT AMT-FREE MUN ETF 464288414 24,224 220,938 SH   SOLE 0 220,938 0 0
RAYTHEON TECH CORP Stock 75513E101 823 8,305 SH   SOLE 0 8,305 0 0
VANGUARD EMERGING MARKET ETF 922042858 235 5,088 SH   SOLE 0 5,088 0 0
BLACKROCK ULTRA SHORT-TERM BOND ETF ETF 46434V878 597 11,911 SH   SOLE 0 11,911 0 0
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 10,106 189,246 SH   SOLE 0 189,246 0 0
ISHARES S&P SMALL-CAP 600 VALUE INDEX ETF ETF 464287879 118,835 1,160,614 SH   SOLE 0 1,160,613 0 0
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 278 3,565 SH   SOLE 0 3,565 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 339 1,293 SH   SOLE 0 1,293 0 0
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 10,692 207,404 SH   SOLE 0 207,403 0 0
ISHARES TR MSCI EAFE FD MSCI EAFE INDEX FU ETF 464287465 269 3,650 SH   SOLE 0 3,650 0 0