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 212 1,880 SH   SOLE 0 1,880 0 0
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF ETF 46435G672 13,860 286,817 SH   SOLE 0 286,817 0 0
VANGUARD TOTAL STOCK MARKET INDEX ETF ETF 922908769 281,793 1,570,141 SH   SOLE 0 1,570,141 0 0
INVESCO FUNDAMENTAL HIGH YIELD CORPORATE BOND ETF ETF 46138E719 1,028 62,541 SH   SOLE 0 62,540 0 0
VANGUARD REAL ESTATE INDEX ETF ETF 922908553 30,041 374,715 SH   SOLE 0 374,714 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846 351 4,000 SH   SOLE 0 4,000 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 1,476 14,375 SH   SOLE 0 14,374 0 0
SPDR TR UNIT SER 1 ETF 78462F103 769 2,153 SH   SOLE 0 2,153 0 0
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN ETF ETF 464288182 348 5,942 SH   SOLE 0 5,942 0 0
ISHARES S&P 100 ETF ETF 464287101 733 4,512 SH   SOLE 0 4,512 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718 235 2,531 SH   SOLE 0 2,531 0 0
ISHARES CORE MSCI PACIFIC ETF ETF 46434V696 4,031 84,079 SH   SOLE 0 84,079 0 0
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 1,276 23,532 SH   SOLE 0 23,532 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 4,355 115,201 SH   SOLE 0 115,200 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 5,956 141,852 SH   SOLE 0 141,851 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 1,002 35,605 SH   SOLE 0 35,604 0 0
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 228 4,080 SH   SOLE 0 4,080 0 0
SPDR BARCLAYS ETF 1-3 YEAR US CORP INVESTM ETF 78464A474 392 13,407 SH   SOLE 0 13,407 0 0
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853 8,947 266,113 SH   SOLE 0 266,113 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 402 1,507 SH   SOLE 0 1,507 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 4,836 215,904 SH   SOLE 0 215,903 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 5,784 208,421 SH   SOLE 0 208,420 0 0
JPMORGAN BETABUILDERS EUROPE ETF ETF 46641Q191 453 11,246 SH   SOLE 0 11,246 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764 657 14,830 SH   SOLE 0 14,830 0 0
VANGUARD FTSE EUROPE INDEX ETF ETF 922042874 47,238 1,023,571 SH   SOLE 0 1,023,571 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 485 8,288 SH   SOLE 0 8,287 0 0
SCHWAB US TIPS ETF ETF 808524870 13,625 263,026 SH   SOLE 0 263,026 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 269 2,794 SH   SOLE 0 2,794 0 0
SCHWAB U.S. REIT ETF ETF 808524847 213 11,384 SH   SOLE 0 11,384 0 0
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 3,760 79,160 SH   SOLE 0 79,160 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 631 13,792 SH   SOLE 0 13,792 0 0
VANGUARD FTSE PACIFIC INDEX ETF ETF 922042866 51,003 887,939 SH   SOLE 0 887,938 0 0
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 5,017 249,747 SH   SOLE 0 249,746 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839 2,666 58,835 SH   SOLE 0 58,835 0 0
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 298 6,084 SH   SOLE 0 6,083 0 0
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401 235 6,064 SH   SOLE 0 6,064 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 11,118 139,783 SH   SOLE 0 139,782 0 0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834 9,342 183,466 SH   SOLE 0 183,466 0 0
VANGUARD TOTAL BOND INDEX ETF ETF 921937835 21,958 307,842 SH   SOLE 0 307,841 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 15,924 333,617 SH   SOLE 0 333,616 0 0
VANGUARD INTERMEDIATE-TERM B ETF 921937819 6,104 83,069 SH   SOLE 0 83,069 0 0
CHEVRON CORP NEW COM Stock 166764100 267 1,860 SH   SOLE 0 1,860 0 0
ISHARES S&P NAT AMT-FREE MUN ETF 464288414 7,212 70,307 SH   SOLE 0 70,307 0 0
M & T BK CORP COM Stock 55261F104 274 1,552 SH   SOLE 0 1,552 0 0
RAYTHEON TECH CORP Stock 75513E101 590 7,205 SH   SOLE 0 7,205 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 10,009 103,895 SH   SOLE 0 103,894 0 0
BLACKROCK ULTRA SHORT-TERM BOND ETF ETF 46434V878 1,558 31,147 SH   SOLE 0 31,147 0 0
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 7,148 180,775 SH   SOLE 0 180,774 0 0
ISHARES S&P SMALL-CAP 600 VALUE INDEX ETF ETF 464287879 90,890 1,102,370 SH   SOLE 0 1,102,370 0 0
VANGUARD SHORT-TERM BOND ETF ETF 921937827 4,828 64,528 SH   SOLE 0 64,527 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 268 1,293 SH   SOLE 0 1,293 0 0
3-D SYS CORP DEL COM NEW Stock 88554D205 105 13,115 SH   SOLE 0 13,115 0 0
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 106,508 2,212,473 SH   SOLE 0 2,212,473 0 0
APPLE INC Stock 037833100 248 1,793 SH   SOLE 0 1,792 0 0
ABBOTT LABS COM Stock 002824100 3,338 34,495 SH   SOLE 0 34,495 0 0