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
ISHARES CORE INTERNATIONAL AGGREGATE BOND FUND ETF 46435G672 9,665 194,047 SH   SOLE 0 194,047 0 0
VANGUARD TOTAL STOCK MARKET INDEX ETF ETF 922908769 302,422 1,603,340 SH   SOLE 0 1,603,340 0 0
INVESCO FUNDAMENTAL HIGH YIELD CORPORATE BOND ETF ETF 46138E719 1,471 87,296 SH   SOLE 0 87,295 0 0
VANGUARD REAL ESTATE INDEX ETF ETF 922908553 35,486 389,489 SH   SOLE 0 389,488 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846 369 4,000 SH   SOLE 0 4,000 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 1,400 13,373 SH   SOLE 0 13,373 0 0
SPDR TR UNIT SER 1 ETF 78462F103 812 2,153 SH   SOLE 0 2,153 0 0
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN INDEX FUND ETF 464288182 633 9,142 SH   SOLE 0 9,142 0 0
ISHARES S&P 100 ETF ETF 464287101 778 4,512 SH   SOLE 0 4,512 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 261 2,531 SH   SOLE 0 2,531 0 0
ISHARES CORE MSCI PACIFIC ETF ETF 46434V696 4,843 93,148 SH   SOLE 0 93,148 0 0
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 1,286 22,776 SH   SOLE 0 22,776 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 4,578 117,422 SH   SOLE 0 117,422 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 6,447 145,900 SH   SOLE 0 145,899 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 1,280 40,699 SH   SOLE 0 40,698 0 0
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 236 4,075 SH   SOLE 0 4,074 0 0
SPDR BARCLAYS ETF 1-3 YEAR US CORP INVESTM ETF 78464A474 397 13,362 SH   SOLE 0 13,362 0 0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853 5,233 151,145 SH   SOLE 0 151,144 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 411 1,507 SH   SOLE 0 1,507 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 5,602 220,724 SH   SOLE 0 220,723 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 6,635 212,455 SH   SOLE 0 212,454 0 0
JPMORGAN BETABUILDERS EUROPE ETF ETF 46641Q191 518 11,246 SH   SOLE 0 11,246 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764 708 14,830 SH   SOLE 0 14,830 0 0
VANGUARD FTSE EUROPE INDEX ETF ETF 922042874 53,691 1,016,497 SH   SOLE 0 1,016,497 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 514 8,233 SH   SOLE 0 8,232 0 0
SCHWAB U.S. TIPS ETF ETF 808524870 9,482 169,933 SH   SOLE 0 169,932 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 257 2,536 SH   SOLE 0 2,536 0 0
SCHWAB U.S. REIT ETF ETF 808524847 275 13,032 SH   SOLE 0 13,032 0 0
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 2,655 50,326 SH   SOLE 0 50,326 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 595 11,534 SH   SOLE 0 11,534 0 0
VANGUARD FTSE PACIFIC INDEX ETF ETF 922042866 55,902 880,627 SH   SOLE 0 880,626 0 0
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 3,806 164,350 SH   SOLE 0 164,350 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839 5,030 105,079 SH   SOLE 0 105,078 0 0
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 298 6,066 SH   SOLE 0 6,066 0 0
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401 254 6,244 SH   SOLE 0 6,244 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 5,178 61,802 SH   SOLE 0 61,802 0 0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834 4,432 77,710 SH   SOLE 0 77,710 0 0
VANGUARD TOTAL BOND INDEX ETF ETF 921937835 13,592 180,597 SH   SOLE 0 180,597 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 11,125 224,558 SH   SOLE 0 224,558 0 0
VANGUARD INTERMEDIATE-TERM B ETF 921937819 4,546 58,551 SH   SOLE 0 58,551 0 0
CHEVRON CORP NEW COM Stock 166764100 266 1,839 SH   SOLE 0 1,839 0 0
ISHARES S&P NAT AMT-FREE MUN ETF 464288414 13,490 126,829 SH   SOLE 0 126,829 0 0
M & T BK CORP COM Stock 55261F104 264 1,655 SH   SOLE 0 1,655 0 0
RAYTHEON TECH CORP Stock 75513E101 692 7,205 SH   SOLE 0 7,205 0 0
VANGUARD EMERGING MARKET ETF 922042858 212 5,088 SH   SOLE 0 5,088 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 7,801 76,725 SH   SOLE 0 76,725 0 0
BLACKROCK ULTRA SHORT-TERM BOND ETF ETF 46434V878 966 19,313 SH   SOLE 0 19,313 0 0
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 8,215 182,727 SH   SOLE 0 182,726 0 0
ISHARES S&P SMALL-CAP 600 VALUE INDEX ETF ETF 464287879 100,917 1,133,513 SH   SOLE 0 1,133,512 0 0
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 3,609 46,999 SH   SOLE 0 46,999 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 281 1,293 SH   SOLE 0 1,293 0 0
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 82,950 1,661,653 SH   SOLE 0 1,661,653 0 0
ISHARES TR MSCI EAFE FD MSCI EAFE INDEX FU ETF 464287465 228 3,650 SH   SOLE 0 3,650 0 0
APPLE INC Stock 037833100 242 1,769 SH   SOLE 0 1,768 0 0