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 937 281 SH   SOLE 0 0 0 281
INVESCO QQQ TRUST ETF 46090E103 340 854 SH   SOLE 0 0 0 853
STARBUCKS CORP COM Stock 855244109 311 2,662 SH   SOLE 0 0 0 2,661
STARBUCKS CORP COM Stock 855244109 23 200 SH Call SOLE 0 0 0 200
JOHNSON & JOHNSON COM Stock 478160104 1,339 7,829 SH   SOLE 0 0 0 7,829
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 927 3,838 SH   SOLE 0 0 0 3,838
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 216 3,218 SH   SOLE 0 0 0 3,218
COSTCO WHSL CORP NEW COM Stock 22160K105 325 573 SH   SOLE 0 0 0 573
PROCTER AND GAMBLE CO COM Stock 742718109 349 2,132 SH   SOLE 0 0 0 2,132
UNITED PARCEL SERVICE INC CL B Stock 911312106 227 1,059 SH   SOLE 0 0 0 1,059
VANGUARD REAL ESTATE ETF ETF 922908553 2,154 18,569 SH   SOLE 0 0 0 18,569
INTEL CORP COM Stock 458140100 675 13,104 SH   SOLE 0 0 0 13,103
NETFLIX INC COM Stock 64110L106 489 812 SH   SOLE 0 0 0 812
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 1,369 24,209 SH   SOLE 0 0 0 24,209
SPDR S&P 500 ETF ETF 78462F103 616 1,296 SH   SOLE 0 0 0 1,296
ISHARES TIPS BOND ETF ETF 464287176 351 2,719 SH   SOLE 0 0 0 2,719
ISHARES COHEN & STEERS REIT ETF ETF 464287564 477 6,270 SH   SOLE 0 0 0 6,270
ISHARES S&P/CITIGROUP INTERNATIONAL TREASURY BOND FUND EX-US ETF 464288117 237 4,716 SH   SOLE 0 0 0 4,716
HOME DEPOT INC COM Stock 437076102 978 2,357 SH   SOLE 0 0 0 2,356
INVESCO CALIFORNIA AMT-FREE MUNICIPAL BOND ETF ETF 46138E206 229 8,205 SH   SOLE 0 0 0 8,205
SPDR GOLD SHARES ETF 78463V107 759 4,439 SH   SOLE 0 0 0 4,439
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 862 8,419 SH   SOLE 0 0 0 8,419
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1,685 14,911 SH   SOLE 0 0 0 14,910
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 9,811 252,403 SH   SOLE 0 0 0 252,402
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 5,275 46,341 SH   SOLE 0 0 0 46,340
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 980 12,714 SH   SOLE 0 0 0 12,714
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 13,012 257,766 SH   SOLE 0 0 0 257,766
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1,192 38,505 SH   SOLE 0 0 0 38,505
ISHARES S&P SMALL-CAP FUND ETF 464287804 786 6,861 SH   SOLE 0 0 0 6,860
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,566 5,237 SH   SOLE 0 0 0 5,237
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 594 20,062 SH   SOLE 0 0 0 20,062
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 5,954 73,265 SH   SOLE 0 0 0 73,264
ALPHABET INC CAP STK CL A Stock 02079K305 1,469 507 SH   SOLE 0 0 0 507
INTUIT COM Stock 461202103 280 435 SH   SOLE 0 0 0 435
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 390 9,523 SH   SOLE 0 0 0 9,522
MICROSOFT CORP COM Stock 594918104 3,757 11,170 SH   SOLE 0 0 0 11,169
SPDR GOLD MINISHARES TRUST ETF 98149E204 923 50,791 SH   SOLE 0 0 0 50,791
BOEING CO COM Stock 097023105 390 1,935 SH   SOLE 0 0 0 1,935
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 3,047 13,483 SH   SOLE 0 0 0 13,482
VANGUARD MID-CAP INDEX FUND ETF 922908629 3,227 12,668 SH   SOLE 0 0 0 12,668
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 4,009 18,137 SH   SOLE 0 0 0 18,136
TESLA INC COM Stock 88160R101 10,007 9,469 SH   SOLE 0 0 0 9,469
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 1,285 25,165 SH   SOLE 0 0 0 25,165
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 771 2,892 SH   SOLE 0 0 0 2,892
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 213 5,447 SH   SOLE 0 0 0 5,447
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1,403 19,164 SH   SOLE 0 0 0 19,164
SCHWAB U.S. TIPS ETF ETF 808524870 747 11,870 SH   SOLE 0 0 0 11,870
VANGUARD S&P 500 ETF ETF 922908363 2,508 5,745 SH   SOLE 0 0 0 5,745
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 2,678 49,645 SH   SOLE 0 0 0 49,645
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 945 8,921 SH   SOLE 0 0 0 8,920
SCHWAB U.S. REIT ETF ETF 808524847 3,956 75,074 SH   SOLE 0 0 0 75,074
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 2,043 25,619 SH   SOLE 0 0 0 25,619
SCHWAB U.S. MID-CAP ETF ETF 808524508 6,466 80,388 SH   SOLE 0 0 0 80,388
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 1,346 20,858 SH   SOLE 0 0 0 20,858
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3,769 59,282 SH   SOLE 0 0 0 59,282
ISHARES RUSSELL 2000 ETF ETF 464287655 323 1,454 SH   SOLE 0 0 0 1,454
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 499 7,265 SH   SOLE 0 0 0 7,265
ISHARES FLOATING RATE BOND ETF ETF 46429B655 454 8,949 SH   SOLE 0 0 0 8,948
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 1,963 10,978 SH   SOLE 0 0 0 10,978
IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 107 20,000 SH   SOLE 0 0 0 20,000
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 2,361 86,277 SH   SOLE 0 0 0 86,277
SCHWAB US AGGREGATE BOND ETF ETF 808524839 2,064 38,287 SH   SOLE 0 0 0 38,286
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 590 9,820 SH   SOLE 0 0 0 9,820
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 1,238 15,318 SH   SOLE 0 0 0 15,318
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 2,669 53,431 SH   SOLE 0 0 0 53,430
COINBASE GLOBAL INC COM CL A Stock 19260Q107 574 2,276 SH   SOLE 0 0 0 2,276
VISA INC COM CL A Stock 92826C839 267 1,234 SH   SOLE 0 0 0 1,234
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 291 10,051 SH   SOLE 0 0 0 10,051
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 4,670 98,285 SH   SOLE 0 0 0 98,284
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880 1,261 48,313 SH   SOLE 0 0 0 48,313
VANGUARD VALUE INDEX FUND ETF 922908744 1,633 11,098 SH   SOLE 0 0 0 11,098
VANGUARD GROWTH INDEX FUND ETF 922908736 3,712 11,567 SH   SOLE 0 0 0 11,567
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 826 30,435 SH   SOLE 0 0 0 30,435
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864 918 18,355 SH   SOLE 0 0 0 18,355
ISHARES MICRO-CAP ETF ETF 464288869 223 1,597 SH   SOLE 0 0 0 1,597
META PLATFORMS INC CL A Stock 30303M102 2,905 8,636 SH   SOLE 0 0 0 8,636
WP CAREY INC COM REIT 92936U109 2,473 30,135 SH   SOLE 0 0 0 30,134
BROADCOM INC COM Stock 11135F101 614 922 SH   SOLE 0 0 0 922
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 12,011 233,684 SH   SOLE 0 0 0 233,684
ISHARES CORE MSCI EAFE ETF ETF 46432F842 501 6,715 SH   SOLE 0 0 0 6,714
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 498 7,686 SH   SOLE 0 0 0 7,686
NVIDIA CORPORATION COM Stock 67066G104 411 1,398 SH   SOLE 0 0 0 1,398
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 3,225 59,857 SH   SOLE 0 0 0 59,856
PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 389 25,764 SH   SOLE 0 0 0 25,764
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 209 2,467 SH   SOLE 0 0 0 2,467
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1,714 27,971 SH   SOLE 0 0 0 27,971
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 278 2,311 SH   SOLE 0 0 0 2,311
PALATIN TECHNOLOGIES INC COM PAR $ .01 Stock 696077403 6 10,760 SH   SOLE 0 0 0 10,760
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 367 20,556 SH   SOLE 0 0 0 20,556
QUALCOMM INC COM Stock 747525103 1,633 8,928 SH   SOLE 0 0 0 8,928
ISHARES U.S. TECHNOLOGY ETF ETF 464287721 202 1,760 SH   SOLE 0 0 0 1,760
ISHARES S&P 500 VALUE ETF ETF 464287408 425 2,713 SH   SOLE 0 0 0 2,713
LULULEMON ATHLETICA INC COM Stock 550021109 1,045 2,669 SH   SOLE 0 0 0 2,669
ISHARES S&P 500 GROWTH ETF ETF 464287309 270 3,228 SH   SOLE 0 0 0 3,228
ISHARES CORE S&P 500 ETF ETF 464287200 24,771 51,933 SH   SOLE 0 0 0 51,932
LOCKHEED MARTIN CORP COM Stock 539830109 539 1,516 SH   SOLE 0 0 0 1,516
JPMORGAN CHASE & CO COM Stock 46625H100 3,777 23,850 SH   SOLE 0 0 0 23,849
CHEVRON CORP NEW COM Stock 166764100 861 7,334 SH   SOLE 0 0 0 7,334
CHEVRON CORP NEW COM Stock 166764100 23 200 SH Call SOLE 0 0 0 200
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 3,228 63,212 SH   SOLE 0 0 0 63,212
BK OF AMERICA CORP COM Stock 060505104 1,129 25,372 SH   SOLE 0 0 0 25,372
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 302 5,173 SH   SOLE 0 0 0 5,173
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 245 1,832 SH   SOLE 0 0 0 1,831
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,210 24,457 SH   SOLE 0 0 0 24,456
TARGET CORP COM Stock 87612E106 238 1,028 SH   SOLE 0 0 0 1,028
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 266 2,375 SH   SOLE 0 0 0 2,375
PFIZER INC COM Stock 717081103 1,255 21,256 SH   SOLE 0 0 0 21,255
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 967 7,294 SH   SOLE 0 0 0 7,294
CATERPILLAR INC COM Stock 149123101 292 1,412 SH   SOLE 0 0 0 1,412
ALPHABET INC CAP STK CL C Stock 02079K107 593 205 SH   SOLE 0 0 0 205
AMGEN INC COM Stock 031162100 262 1,165 SH   SOLE 0 0 0 1,164
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 942 5,487 SH   SOLE 0 0 0 5,487
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 698 6,118 SH   SOLE 0 0 0 6,118
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 722 13,632 SH   SOLE 0 0 0 13,632
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1,727 21,362 SH   SOLE 0 0 0 21,362
LAM RESEARCH CORP COM Stock 512807108 1,822 2,534 SH   SOLE 0 0 0 2,533
TELADOC HEALTH INC COM Stock 87918A105 309 3,362 SH   SOLE 0 0 0 3,362
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 7,645 209,554 SH   SOLE 0 0 0 209,554
BLACKROCK INC COM Stock 09247X101 202 220 SH   SOLE 0 0 0 220
ISHARES S&P MIDCAP FUND ETF 464287507 347 1,227 SH   SOLE 0 0 0 1,226
ISHARES MSCI EAFE ETF ETF 464287465 443 5,630 SH   SOLE 0 0 0 5,630
APPLE INC COM Stock 037833100 18,104 101,956 SH   SOLE 0 0 0 101,956
DISNEY WALT CO COM Stock 254687106 813 5,251 SH   SOLE 0 0 0 5,251