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 916 281 SH   SOLE 0 0 0 281
INVESCO QQQ TRUST ETF 46090E103 228 628 SH   SOLE 0 0 0 628
STARBUCKS CORP COM Stock 855244109 245 2,688 SH   SOLE 0 0 0 2,687
JOHNSON & JOHNSON COM Stock 478160104 1,389 7,839 SH   SOLE 0 0 0 7,838
JOHNSON & JOHNSON COM Stock 478160104 71 400 SH Call SOLE 0 0 0 400
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 874 3,838 SH   SOLE 0 0 0 3,838
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 218 3,218 SH   SOLE 0 0 0 3,218
COSTCO WHSL CORP NEW COM Stock 22160K105 305 530 SH   SOLE 0 0 0 530
PROCTER AND GAMBLE CO COM Stock 742718109 326 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 2,032 18,752 SH   SOLE 0 0 0 18,752
INTEL CORP COM Stock 458140100 736 14,852 SH   SOLE 0 0 0 14,852
NETFLIX INC COM Stock 64110L106 304 812 SH   SOLE 0 0 0 812
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 1,126 20,840 SH   SOLE 0 0 0 20,840
SPDR S&P 500 ETF ETF 78462F103 601 1,331 SH   SOLE 0 0 0 1,331
ISHARES TIPS BOND ETF ETF 464287176 337 2,706 SH   SOLE 0 0 0 2,706
ISHARES COHEN & STEERS REIT ETF ETF 464287564 440 6,199 SH   SOLE 0 0 0 6,199
ISHARES S&P/CITIGROUP INTERNATIONAL TREASURY BOND FUND EX-US ETF 464288117 219 4,716 SH   SOLE 0 0 0 4,716
HOME DEPOT INC COM Stock 437076102 713 2,383 SH   SOLE 0 0 0 2,383
INVESCO CALIFORNIA AMT-FREE MUNICIPAL BOND ETF ETF 46138E206 212 8,205 SH   SOLE 0 0 0 8,205
SPDR GOLD SHARES ETF 78463V107 863 4,776 SH   SOLE 0 0 0 4,776
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 930 19,643 SH   SOLE 0 0 0 19,642
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1,487 27,855 SH   SOLE 0 0 0 27,855
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 9,516 259,150 SH   SOLE 0 0 0 259,150
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 5,088 94,481 SH   SOLE 0 0 0 94,480
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 940 12,392 SH   SOLE 0 0 0 12,391
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 10,999 218,797 SH   SOLE 0 0 0 218,797
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1,130 37,501 SH   SOLE 0 0 0 37,501
ISHARES S&P SMALL-CAP FUND ETF 464287804 740 6,861 SH   SOLE 0 0 0 6,861
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 2,107 5,969 SH   SOLE 0 0 0 5,969
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 572 20,612 SH   SOLE 0 0 0 20,612
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 6,484 83,032 SH   SOLE 0 0 0 83,032
ALPHABET INC CAP STK CL A Stock 02079K305 1,802 648 SH   SOLE 0 0 0 648
INTUIT COM Stock 461202103 209 435 SH   SOLE 0 0 0 435
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 359 9,464 SH   SOLE 0 0 0 9,463
MICROSOFT CORP COM Stock 594918104 3,643 11,815 SH   SOLE 0 0 0 11,814
MICROSOFT CORP COM Stock 594918104 31 100 SH Call SOLE 0 0 0 100
SPDR GOLD MINISHARES TRUST ETF 98149E303 1,008 26,202 SH   SOLE 0 0 0 26,202
BOEING CO COM Stock 097023105 326 1,702 SH   SOLE 0 0 0 1,702
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 3,004 14,133 SH   SOLE 0 0 0 14,132
VANGUARD MID-CAP INDEX FUND ETF 922908629 3,742 15,735 SH   SOLE 0 0 0 15,734
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 3,781 18,137 SH   SOLE 0 0 0 18,136
TESLA INC COM Stock 88160R101 10,315 9,572 SH   SOLE 0 0 0 9,572
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 1,696 33,495 SH   SOLE 0 0 0 33,495
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 737 2,897 SH   SOLE 0 0 0 2,896
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 209 5,451 SH   SOLE 0 0 0 5,451
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1,363 19,098 SH   SOLE 0 0 0 19,098
SCHWAB U.S. TIPS ETF ETF 808524870 731 12,034 SH   SOLE 0 0 0 12,034
VANGUARD S&P 500 ETF ETF 922908363 4,877 11,747 SH   SOLE 0 0 0 11,747
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 2,692 51,824 SH   SOLE 0 0 0 51,824
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 936 8,922 SH   SOLE 0 0 0 8,921
SCHWAB U.S. REIT ETF ETF 808524847 3,234 129,924 SH   SOLE 0 0 0 129,924
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 2,104 26,352 SH   SOLE 0 0 0 26,352
SCHWAB U.S. MID-CAP ETF ETF 808524508 5,768 76,031 SH   SOLE 0 0 0 76,031
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 1,431 22,868 SH   SOLE 0 0 0 22,868
AVANTIS EMERGING MARKETS EQUITY ETF ETF 025072604 260 4,378 SH   SOLE 0 0 0 4,378
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3,613 60,474 SH   SOLE 0 0 0 60,474
ISHARES RUSSELL 2000 ETF ETF 464287655 298 1,454 SH   SOLE 0 0 0 1,454
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 518 7,715 SH   SOLE 0 0 0 7,715
ISHARES FLOATING RATE BOND ETF ETF 46429B655 452 8,949 SH   SOLE 0 0 0 8,948
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 1,865 10,602 SH   SOLE 0 0 0 10,602
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203 769 27,327 SH   SOLE 0 0 0 27,327
IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 103 20,000 SH   SOLE 0 0 0 20,000
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 1,704 64,957 SH   SOLE 0 0 0 64,957
SCHWAB US AGGREGATE BOND ETF ETF 808524839 1,934 38,236 SH   SOLE 0 0 0 38,235
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 542 9,820 SH   SOLE 0 0 0 9,820
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 1,298 16,457 SH   SOLE 0 0 0 16,457
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 2,711 54,884 SH   SOLE 0 0 0 54,884
COINBASE GLOBAL INC COM CL A Stock 19260Q107 405 2,133 SH   SOLE 0 0 0 2,133
VISA INC COM CL A Stock 92826C839 233 1,049 SH   SOLE 0 0 0 1,049
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 280 10,168 SH   SOLE 0 0 0 10,167
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 4,598 98,712 SH   SOLE 0 0 0 98,712
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880 1,252 50,191 SH   SOLE 0 0 0 50,191
AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349 249 4,603 SH   SOLE 0 0 0 4,603
VANGUARD VALUE INDEX FUND ETF 922908744 1,640 11,098 SH   SOLE 0 0 0 11,098
VANGUARD GROWTH INDEX FUND ETF 922908736 3,232 11,237 SH   SOLE 0 0 0 11,237
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 799 30,435 SH   SOLE 0 0 0 30,435
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864 1,759 36,730 SH   SOLE 0 0 0 36,730
ISHARES MICRO-CAP ETF ETF 464288869 206 1,597 SH   SOLE 0 0 0 1,597
META PLATFORMS INC CL A Stock 30303M102 1,732 7,789 SH   SOLE 0 0 0 7,789
DIMENSIONAL US REAL ESTATE ETF ETF 25434V823 621 22,921 SH   SOLE 0 0 0 22,921
WP CAREY INC COM REIT 92936U109 2,464 30,479 SH   SOLE 0 0 0 30,478
BROADCOM INC COM Stock 11135F101 593 942 SH   SOLE 0 0 0 941
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 11,940 233,162 SH   SOLE 0 0 0 233,162
ISHARES CORE MSCI EAFE ETF ETF 46432F842 467 6,715 SH   SOLE 0 0 0 6,714
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 496 7,686 SH   SOLE 0 0 0 7,686
NVIDIA CORPORATION COM Stock 67066G104 388 1,423 SH   SOLE 0 0 0 1,423
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 2,906 56,188 SH   SOLE 0 0 0 56,188
PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 344 25,764 SH   SOLE 0 0 0 25,764
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1,606 27,891 SH   SOLE 0 0 0 27,891
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 215 2,066 SH   SOLE 0 0 0 2,066
PALATIN TECHNOLOGIES INC COM PAR $ .01 Stock 696077403 5 10,760 SH   SOLE 0 0 0 10,760
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 449 19,768 SH   SOLE 0 0 0 19,768
QUALCOMM INC COM Stock 747525103 1,430 9,356 SH   SOLE 0 0 0 9,355
ISHARES S&P 500 VALUE ETF ETF 464287408 422 2,713 SH   SOLE 0 0 0 2,713
LULULEMON ATHLETICA INC COM Stock 550021109 679 1,859 SH   SOLE 0 0 0 1,859
ISHARES S&P 500 GROWTH ETF ETF 464287309 247 3,228 SH   SOLE 0 0 0 3,228
ISHARES CORE S&P 500 ETF ETF 464287200 24,147 53,224 SH   SOLE 0 0 0 53,224
LOCKHEED MARTIN CORP COM Stock 539830109 735 1,665 SH   SOLE 0 0 0 1,665
JPMORGAN CHASE & CO COM Stock 46625H100 3,217 23,599 SH   SOLE 0 0 0 23,598
CHEVRON CORP NEW COM Stock 166764100 1,393 8,552 SH   SOLE 0 0 0 8,552
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 4,031 83,929 SH   SOLE 0 0 0 83,929
BK OF AMERICA CORP COM Stock 060505104 1,051 25,486 SH   SOLE 0 0 0 25,485
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 288 5,174 SH   SOLE 0 0 0 5,173
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 228 1,754 SH   SOLE 0 0 0 1,754
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,275 27,643 SH   SOLE 0 0 0 27,642
TARGET CORP COM Stock 87612E106 204 962 SH   SOLE 0 0 0 962
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 363 3,234 SH   SOLE 0 0 0 3,234
PFIZER INC COM Stock 717081103 1,104 21,318 SH   SOLE 0 0 0 21,317
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 883 7,299 SH   SOLE 0 0 0 7,298
CATERPILLAR INC COM Stock 149123101 439 1,971 SH   SOLE 0 0 0 1,971
ALPHABET INC CAP STK CL C Stock 02079K107 573 205 SH   SOLE 0 0 0 205
AMGEN INC COM Stock 031162100 262 1,082 SH   SOLE 0 0 0 1,081
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 920 5,671 SH   SOLE 0 0 0 5,671
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 655 6,118 SH   SOLE 0 0 0 6,118
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 677 13,632 SH   SOLE 0 0 0 13,632
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1,618 20,770 SH   SOLE 0 0 0 20,770
LAM RESEARCH CORP COM Stock 512807108 1,323 2,461 SH   SOLE 0 0 0 2,460
EXXON MOBIL CORP COM Stock 30231G102 307 3,713 SH   SOLE 0 0 0 3,712
ARK INNOVATION ETF ETF 00214Q104 630 9,511 SH   SOLE 0 0 0 9,511
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 6,488 189,252 SH   SOLE 0 0 0 189,252
ISHARES S&P MIDCAP FUND ETF 464287507 329 1,227 SH   SOLE 0 0 0 1,226
ISHARES MSCI EAFE ETF ETF 464287465 414 5,630 SH   SOLE 0 0 0 5,630
APPLE INC COM Stock 037833100 17,747 101,640 SH   SOLE 0 0 0 101,640
DISNEY WALT CO COM Stock 254687106 659 4,808 SH   SOLE 0 0 0 4,807