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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   288,520 1,773 SH   SOLE 0 0 0 1,773
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   350,560 1,145 SH   SOLE 0 0 0 1,145
AIRBNB INC COM CL A 009066101   240,027 1,482 SH   SOLE 0 0 0 1,482
ALPHABET INC CAP STK CL A 02079K305   980,474 5,833 SH   SOLE 0 0 0 5,833
ALPHABET INC CAP STK CL C 02079K107   864,774 5,092 SH   SOLE 0 0 0 5,092
AMAZON COM INC COM 023135106   8,117,653 43,019 SH   SOLE 0 0 0 43,019
AMERICAN CENTY ETF TR US SML CP VALU 025072877   856,943 9,341 SH   SOLE 0 0 0 9,341
AMERICAN CENTY ETF TR US EQT ETF 025072885   3,023,014 34,415 SH   SOLE 0 0 0 34,415
AMGEN INC COM 031162100   202,103 675 SH   SOLE 0 0 0 675
APPLE INC COM 037833100   21,762,917 119,767 SH   SOLE 0 0 0 119,767
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   641,921 1,585 SH   SOLE 0 0 0 1,585
BERKSHIRE HATHAWAY INC DEL CL A 084670108   608,795 1 SH   SOLE 0 0 0 1
BLACKSTONE INC COM 09260D107   210,842 1,739 SH   SOLE 0 0 0 1,739
BROADCOM INC COM 11135F101   262,062 200 SH   SOLE 0 0 0 200
CATERPILLAR INC COM 149123101   202,143 591 SH   SOLE 0 0 0 591
CONOCOPHILLIPS COM 20825C104   268,104 2,170 SH   SOLE 0 0 0 2,170
COSTCO WHSL CORP NEW COM 22160K105   310,344 410 SH   SOLE 0 0 0 410
DELL TECHNOLOGIES INC CL C 24703L202   213,265 1,649 SH   SOLE 0 0 0 1,649
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   237,132 6,587 SH   SOLE 0 0 0 6,587
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532   204,460 9,863 SH   SOLE 0 0 0 9,863
ELI LILLY & CO COM 532457108   1,842,538 2,403 SH   SOLE 0 0 0 2,403
EXXON MOBIL CORP COM 30231G102   428,589 3,671 SH   SOLE 0 0 0 3,671
HOME DEPOT INC COM 437076102   543,675 1,588 SH   SOLE 0 0 0 1,588
INTERNATIONAL BUSINESS MACHS COM 459200101   364,710 2,163 SH   SOLE 0 0 0 2,163
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217   212,459 4,280 SH   SOLE 0 0 0 4,280
INVESCO QQQ TR UNIT SER 1 46090E103   784,679 1,782 SH   SOLE 0 0 0 1,782
ISHARES GOLD TR ISHARES NEW 464285204   269,809 6,139 SH   SOLE 0 0 0 6,139
ISHARES INC CORE MSCI EMKT 46434G103   10,755,205 201,220 SH   SOLE 0 0 0 201,220
ISHARES TR MSCI EAFE MIN VL 46429B689   9,893,150 139,971 SH   SOLE 0 0 0 139,971
ISHARES TR CALIF MUN BD ETF 464288356   26,460,911 463,495 SH   SOLE 0 0 0 463,495
ISHARES TR RUSSELL 3000 ETF 464287689   573,503 1,940 SH   SOLE 0 0 0 1,940
ISHARES TR ESG AWR MSCI USA 46435G425   6,184,016 54,456 SH   SOLE 0 0 0 54,456
ISHARES TR CORE US AGGBD ET 464287226   47,981,597 498,458 SH   SOLE 0 0 0 498,458
ISHARES TR CORE S&P TTL STK 464287150   60,805,235 534,881 SH   SOLE 0 0 0 534,881
ISHARES TR 3 7 YR TREAS BD 464288661   60,630,925 529,991 SH   SOLE 0 0 0 529,991
ISHARES TR TRS FLT RT BD 46434V860   25,947,404 513,607 SH   SOLE 0 0 0 513,607
ISHARES TR RUS MDCP VAL ETF 464287473   388,819 3,186 SH   SOLE 0 0 0 3,186
ISHARES TR NATIONAL MUN ETF 464288414   32,179,472 301,306 SH   SOLE 0 0 0 301,306
ISHARES TR MSCI USA MIN VOL 46429B697   23,387,958 286,617 SH   SOLE 0 0 0 286,617
ISHARES TR MSCI USA QLT FCT 46432F339   338,613,831 2,098,759 SH   SOLE 0 0 0 2,098,759
ISHARES TR ESG AW MSCI EAFE 46435G516   2,164,974 27,157 SH   SOLE 0 0 0 27,157
ISHARES TR RUS 2000 VAL ETF 464287630   56,014,484 359,875 SH   SOLE 0 0 0 359,875
ISHARES TR ESG AWR US AGRGT 46435U549   8,321,933 180,050 SH   SOLE 0 0 0 180,050
ISHARES TR NEW YORK MUN ETF 464288323   9,923,007 185,929 SH   SOLE 0 0 0 185,929
ISHARES TR CORE S&P SCP ETF 464287804   423,029 3,908 SH   SOLE 0 0 0 3,908
ISHARES TR CORE S&P US GWT 464287671   113,721,780 970,736 SH   SOLE 0 0 0 970,736
ISHARES TR ESG AWRE USD ETF 46435G193   2,091,280 92,494 SH   SOLE 0 0 0 92,494
ISHARES TR CORE MSCI EAFE 46432F842   50,983,640 689,994 SH   SOLE 0 0 0 689,994
ISHARES TR RUSSELL 2000 ETF 464287655   540,103 2,641 SH   SOLE 0 0 0 2,641
ISHARES TR RUS 1000 ETF 464287622   980,740 3,451 SH   SOLE 0 0 0 3,451
ISHARES TR RUS MID CAP ETF 464287499   206,915 2,532 SH   SOLE 0 0 0 2,532
ISHARES TR CORE S&P MCP ETF 464287507   374,862 6,319 SH   SOLE 0 0 0 6,319
ISHARES TR RUS 1000 GRW ETF 464287614   286,136 852 SH   SOLE 0 0 0 852
ISHARES TR EAFE GRWTH ETF 464288885   112,334,773 1,102,835 SH   SOLE 0 0 0 1,102,835
ISHARES TR CORE S&P500 ETF 464287200   3,556,663 6,850 SH   SOLE 0 0 0 6,850
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   3,852,804 75,162 SH   SOLE 0 0 0 75,162
JOHNSON & JOHNSON COM 478160104   378,954 2,551 SH   SOLE 0 0 0 2,551
JPMORGAN CHASE & CO COM 46625H100   400,337 2,085 SH   SOLE 0 0 0 2,085
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   271,837 10,113 SH   SOLE 0 0 0 10,113
LOCKHEED MARTIN CORP COM 539830109   225,374 487 SH   SOLE 0 0 0 487
MCDONALDS CORP COM 580135101   241,024 895 SH   SOLE 0 0 0 895
META PLATFORMS INC CL A 30303M102   5,915,966 12,704 SH   SOLE 0 0 0 12,704
MICROSOFT CORP COM 594918104   2,661,634 6,436 SH   SOLE 0 0 0 6,436
NETFLIX INC COM 64110L106   793,373 1,329 SH   SOLE 0 0 0 1,329
NEXTERA ENERGY INC COM 65339F101   368,228 5,168 SH   SOLE 0 0 0 5,168
NVIDIA CORPORATION COM 67066G104   2,733,779 2,967 SH   SOLE 0 0 0 2,967
ORACLE CORP COM 68389X105   235,009 1,986 SH   SOLE 0 0 0 1,986
PALO ALTO NETWORKS INC COM 697435105   228,680 761 SH   SOLE 0 0 0 761
PROCTER AND GAMBLE CO COM 742718109   236,374 1,437 SH   SOLE 0 0 0 1,437
SALESFORCE INC COM 79466L302   300,059 1,089 SH   SOLE 0 0 0 1,089
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   538,441 5,806 SH   SOLE 0 0 0 5,806
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   302,581 4,609 SH   SOLE 0 0 0 4,609
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,221,056 57,199 SH   SOLE 0 0 0 57,199
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   600,551 12,517 SH   SOLE 0 0 0 12,517
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   897,032 14,913 SH   SOLE 0 0 0 14,913
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   863,798 14,094 SH   SOLE 0 0 0 14,094
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   207,389 1,012 SH   SOLE 0 0 0 1,012
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   9,872,403 262,146 SH   SOLE 0 0 0 262,146
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   29,039,107 813,420 SH   SOLE 0 0 0 813,420
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,768,053 3,423 SH   SOLE 0 0 0 3,423
SPDR SER TR S&P 600 SMCP VAL 78464A300   4,691,463 58,265 SH   SOLE 0 0 0 58,265
SPDR SER TR PORTFOLIO S&P500 78464A854   1,871,373 30,799 SH   SOLE 0 0 0 30,799
SPDR SER TR BLOOMBERG INVT 78468R200   26,684,327 867,783 SH   SOLE 0 0 0 867,783
SPDR SER TR PRTFLO S&P500 VL 78464A508   39,256,134 807,241 SH   SOLE 0 0 0 807,241
SPDR SER TR PORTFOLI S&P1500 78464A805   12,442,565 196,503 SH   SOLE 0 0 0 196,503
SPDR SER TR NUVEEN BLMBRG MU 78468R721   914,721 19,924 SH   SOLE 0 0 0 19,924
SPDR SER TR PORTFOLIO AGRGTE 78464A649   43,473,614 1,749,441 SH   SOLE 0 0 0 1,749,441
SYSCO CORP COM 871829107   820,619 10,872 SH   SOLE 0 0 0 10,872
TESLA INC COM 88160R101   948,654 5,135 SH   SOLE 0 0 0 5,135
UNITEDHEALTH GROUP INC COM 91324P102   345,897 700 SH   SOLE 0 0 0 700
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   325,701,810 4,560,373 SH   SOLE 0 0 0 4,560,373
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   278,442 5,712 SH   SOLE 0 0 0 5,712
VANGUARD INDEX FDS SM CP VAL ETF 922908611   10,712,642 57,456 SH   SOLE 0 0 0 57,456
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   416,691 2,745 SH   SOLE 0 0 0 2,745
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   1,835,935 10,744 SH   SOLE 0 0 0 10,744
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   7,218,714 15,206 SH   SOLE 0 0 0 15,206
VANGUARD INDEX FDS VALUE ETF 922908744   220,390,818 1,387,677 SH   SOLE 0 0 0 1,387,677
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   212,834 2,616 SH   SOLE 0 0 0 2,616
VANGUARD INDEX FDS MID CAP ETF 922908629   234,375 962 SH   SOLE 0 0 0 962
VANGUARD INDEX FDS SMALL CP ETF 922908751   273,140 1,232 SH   SOLE 0 0 0 1,232
VANGUARD INDEX FDS TOTAL STK MKT 922908769   489,035,959 1,908,433 SH   SOLE 0 0 0 1,908,433
VANGUARD INDEX FDS GROWTH ETF 922908736   5,414,202 15,760 SH   SOLE 0 0 0 15,760
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   233,706 2,129 SH   SOLE 0 0 0 2,129
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   3,909,166 66,302 SH   SOLE 0 0 0 66,302
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   233,440 1,982 SH   SOLE 0 0 0 1,982
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   73,694,861 1,692,190 SH   SOLE 0 0 0 1,692,190
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   19,783,940 394,810 SH   SOLE 0 0 0 394,810
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   81,100,699 1,021,483 SH   SOLE 0 0 0 1,021,483
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   25,923,149 449,041 SH   SOLE 0 0 0 449,041
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   632,207 7,320 SH   SOLE 0 0 0 7,320
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   422,068 2,371 SH   SOLE 0 0 0 2,371
VANGUARD STAR FDS VG TL INTL STK F 921909768   534,154 8,797 SH   SOLE 0 0 0 8,797
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   332,523,155 6,657,120 SH   SOLE 0 0 0 6,657,120
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   315,286 2,676 SH   SOLE 0 0 0 2,676
VANGUARD WORLD FD MEGA GRWTH IND 921910816   70,804,286 248,001 SH   SOLE 0 0 0 248,001
VANGUARD WORLD FD INF TECH ETF 92204A702   323,762 626 SH   SOLE 0 0 0 626
VANGUARD WORLD FD ESG US STK ETF 921910733   29,394,445 320,900 SH   SOLE 0 0 0 320,900
VANGUARD WORLD FD ESG INTL STK ETF 921910725   16,117,032 281,275 SH   SOLE 0 0 0 281,275
VEEVA SYS INC CL A COM 922475108   306,743 1,510 SH   SOLE 0 0 0 1,510
VISA INC COM CL A 92826C839   429,930 1,577 SH   SOLE 0 0 0 1,577
WALMART INC COM 931142103   249,089 4,160 SH   SOLE 0 0 0 4,160