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
Estimated average burden
hours per response: 23.8
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
ALPHABET INC CAP STK CL A 02079K305 835 375 SH   SOLE 0 0 0 375
ALPHABET INC CAP STK CL C 02079K107 1,012 451 SH   SOLE 0 0 0 451
AMAZON COM INC COM 023135106 588 5,326 SH   SOLE 0 0 0 5,326
AMERICAN CENTY ETF TR QUALITY DIVRSFED 025072406 376 9,802 SH   SOLE 0 0 0 9,802
AMERICAN CENTY ETF TR US EQT ETF 025072885 218 3,349 SH   SOLE 0 0 0 3,349
APPLE INC COM 037833100 5,498 37,790 SH   SOLE 0 0 0 37,790
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 394 1,421 SH   SOLE 0 0 0 1,421
BK OF AMERICA CORP COM 060505104 219 7,099 SH   SOLE 0 0 0 7,099
COMCAST CORP NEW CL A 20030N101 785 19,689 SH   SOLE 0 0 0 19,689
FIRST TR EXCH TRADED FD III LNG/SHT EQUITY 33739P103 531 10,998 SH   SOLE 0 0 0 10,998
FLEXSHARES TR MORNSTAR UPSTR 33939L407 6,993 184,718 SH   SOLE 0 0 0 184,718
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 831 16,684 SH   SOLE 0 0 0 16,684
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 20,546 753,147 SH   SOLE 0 0 0 753,147
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 18,286 641,622 SH   SOLE 0 0 0 641,622
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 26,296 542,741 SH   SOLE 0 0 0 542,741
INVESCO ACTIVELY MANAGED ETF ACTIVE US REAL 46090A101 369 3,860 SH   SOLE 0 0 0 3,860
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 17,586 711,974 SH   SOLE 0 0 0 711,974
INVESCO QQQ TR UNIT SER 1 46090E103 408 1,429 SH   SOLE 0 0 0 1,429
ISHARES GOLD TR ISHARES NEW 464285204 2,842 86,283 SH   SOLE 0 0 0 86,283
ISHARES INC MSCI EMERG MRKT 464286533 14,401 265,601 SH   SOLE 0 0 0 265,601
ISHARES TR CORE S&P US GWT 464287671 251 2,958 SH   SOLE 0 0 0 2,958
ISHARES TR 1 3 YR TREAS BD 464287457 11,463 138,882 SH   SOLE 0 0 0 138,882
ISHARES TR CORE S&P SCP ETF 464287804 2,933 31,847 SH   SOLE 0 0 0 31,847
ISHARES TR ESG AWR US AGRGT 46435U549 1,133 23,023 SH   SOLE 0 0 0 23,023
ISHARES TR MSCI KLD400 SOC 464288570 2,753 38,184 SH   SOLE 0 0 0 38,184
ISHARES TR RUSEL 2500 ETF 46435G268 16,441 315,389 SH   SOLE 0 0 0 315,389
ISHARES TR NATIONAL MUN ETF 464288414 3,263 30,428 SH   SOLE 0 0 0 30,428
ISHARES TR SHRT NAT MUN ETF 464288158 7,136 68,099 SH   SOLE 0 0 0 68,099
ISHARES TR CORE INTL AGGR 46435G672 10,291 204,106 SH   SOLE 0 0 0 204,106
ISHARES TR S&P 500 GRWT ETF 464287309 347 5,664 SH   SOLE 0 0 0 5,664
ISHARES TR RUS 1000 GRW ETF 464287614 1,453 6,546 SH   SOLE 0 0 0 6,546
ISHARES TR CORE MSCI EAFE 46432F842 9,447 163,612 SH   SOLE 0 0 0 163,612
ISHARES TR CORE 1 5 YR USD 46432F859 5,224 110,451 SH   SOLE 0 0 0 110,451
ISHARES TR MSCI EAFE ETF 464287465 1,097 17,891 SH   SOLE 0 0 0 17,891
ISHARES TR CORE S&P500 ETF 464287200 283 744 SH   SOLE 0 0 0 744
ISHARES TR MSCI USA ESG SLC 464288802 238 2,932 SH   SOLE 0 0 0 2,932
ISHARES TR US INFRASTRUC 46435U713 7,946 234,313 SH   SOLE 0 0 0 234,313
JOHNSON & JOHNSON COM 478160104 231 1,318 SH   SOLE 0 0 0 1,318
META PLATFORMS INC CL A 30303M102 1,226 7,500 SH   SOLE 0 0 0 7,500
MICROSOFT CORP COM 594918104 688 2,721 SH   SOLE 0 0 0 2,721
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 1,691 68,414 SH   SOLE 0 0 0 68,414
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 748 22,595 SH   SOLE 0 0 0 22,595
NUSHARES ETF TR NUVEEN ESG US 67092P870 436 18,968 SH   SOLE 0 0 0 18,968
NVIDIA CORPORATION COM 67066G104 712 4,696 SH   SOLE 0 0 0 4,696
PACER FDS TR US CASH COWS 100 69374H881 31,228 722,711 SH   SOLE 0 0 0 722,711
PROCTER AND GAMBLE CO COM 742718109 206 1,411 SH   SOLE 0 0 0 1,411
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,480 145,348 SH   SOLE 0 0 0 145,348
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 32,719 555,226 SH   SOLE 0 0 0 555,226
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 31,340 439,674 SH   SOLE 0 0 0 439,674
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 8,157 200,180 SH   SOLE 0 0 0 200,180
SPDR GOLD TR GOLD SHS 78463V107 1,163 7,194 SH   SOLE 0 0 0 7,194
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 19,797 699,803 SH   SOLE 0 0 0 699,803
SPDR S&P 500 ETF TR TR UNIT 78462F103 222 586 SH   SOLE 0 0 0 586
SPDR SER TR BLOOMBERG 1 10 Y 78468R861 10,377 533,509 SH   SOLE 0 0 0 533,509
SPDR SER TR PRTFLO S&P500 VL 78464A508 426 11,615 SH   SOLE 0 0 0 11,615
SPDR SER TR S&P DIVID ETF 78464A763 238 2,007 SH   SOLE 0 0 0 2,007
SPDR SER TR PORTFOLIO S&P600 78468R853 738 20,568 SH   SOLE 0 0 0 20,568
SPDR SER TR PRTFLO S&P500 GW 78464A409 621 11,706 SH   SOLE 0 0 0 11,706
SPDR SER TR NUVEEN BLMBRG MU 78468R721 691 14,882 SH   SOLE 0 0 0 14,882
SPDR SER TR PORTFOLIO S&P500 78464A854 646 14,507 SH   SOLE 0 0 0 14,507
SPDR SER TR NUVEEN BLOOMBERG 78464A284 2,185 42,093 SH   SOLE 0 0 0 42,093
SPDR SER TR PORTFOLIO AGRGTE 78464A649 1,033 39,032 SH   SOLE 0 0 0 39,032
SPDR SER TR PORTFOLIO S&P400 78464A847 225 5,618 SH   SOLE 0 0 0 5,618
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 1,183 43,886 SH   SOLE 0 0 0 43,886
TESLA INC COM 88160R101 402 566 SH   SOLE 0 0 0 566
VANGUARD BD INDEX FDS INTERMED TERM 921937819 43,601 558,133 SH   SOLE 0 0 0 558,133
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 545 7,106 SH   SOLE 0 0 0 7,106
VANGUARD INDEX FDS GROWTH ETF 922908736 6,878 30,341 SH   SOLE 0 0 0 30,341
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,355 36,832 SH   SOLE 0 0 0 36,832
VANGUARD INDEX FDS MID CAP ETF 922908629 5,105 25,835 SH   SOLE 0 0 0 25,835
VANGUARD INDEX FDS VALUE ETF 922908744 291 2,228 SH   SOLE 0 0 0 2,228
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,984 17,177 SH   SOLE 0 0 0 17,177
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,752 74,422 SH   SOLE 0 0 0 74,422
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 14,360 100,201 SH   SOLE 0 0 0 100,201
VANGUARD STAR FDS VG TL INTL STK F 921909768 342 6,794 SH   SOLE 0 0 0 6,794
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 381 9,526 SH   SOLE 0 0 0 9,526
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 491 4,869 SH   SOLE 0 0 0 4,869
VANGUARD WORLD FD ESG INTL STK ETF 921910725 235 4,894 SH   SOLE 0 0 0 4,894
VANGUARD WORLD FD ESG US STK ETF 921910733 644 9,621 SH   SOLE 0 0 0 9,621