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 283 130 SH   SOLE   130 0 0
AMAZON COM INC COM 023135106 304 2,865 SH   SOLE   2,865 0 0
APPLE INC COM 037833100 1,241 9,077 SH   SOLE   9,077 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 262 960 SH   SOLE   960 0 0
BLACKROCK CORE BD TR SHS BEN INT 09249E101 4,383 387,218 SH   SOLE   387,218 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 271 12,636 SH   SOLE   12,636 0 0
GRANITESHARES ETF TR HIPS US HIGH INC 38747R306 327 26,441 SH   SOLE   26,441 0 0
INTUIT COM 461202103 338 878 SH   SOLE   878 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 779 42,013 SH   SOLE   42,013 0 0
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 313 13,445 SH   SOLE   13,445 0 0
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 302 10,939 SH   SOLE   10,939 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 533 1,900 SH   SOLE   1,900 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 1,082 33,495 SH   SOLE   33,495 0 0
ISHARES INC JP MORGAN EM ETF 464286517 1,033 30,236 SH   SOLE   30,236 0 0
ISHARES INC MSCI EMERG MKT 46434G889 4,842 112,818 SH   SOLE   112,818 0 0
ISHARES INC MSCI EMERG MRKT 464286533 3,909 70,518 SH   SOLE   70,518 0 0
ISHARES INC MSCI GBL GOLD MN 46434G855 1,007 46,239 SH   SOLE   46,239 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 929 9,162 SH   SOLE   9,162 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 315 6,286 SH   SOLE   6,286 0 0
ISHARES TR CALIF MUN BD ETF 464288356 1,953 34,595 SH   SOLE   34,595 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 462 4,600 SH   SOLE   4,600 0 0
ISHARES TR CORE MSCI EAFE 46432F842 497 8,442 SH   SOLE   8,442 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,839 4,850 SH   SOLE   4,850 0 0
ISHARES TR EAFE GRWTH ETF 464288885 209 2,599 SH   SOLE   2,599 0 0
ISHARES TR EAFE VALUE ETF 464288877 475 10,937 SH   SOLE   10,937 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 2,455 39,121 SH   SOLE   39,121 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 3,704 44,144 SH   SOLE   44,144 0 0
ISHARES TR INTL EQTY FACTOR 46434V274 2,064 87,703 SH   SOLE   87,703 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 822 16,254 SH   SOLE   16,254 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 202 3,965 SH   SOLE   3,965 0 0
ISHARES TR MBS ETF 464288588 359 3,680 SH   SOLE   3,680 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 1,318 20,821 SH   SOLE   20,821 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 328 10,971 SH   SOLE   10,971 0 0
ISHARES TR MSCI INTL SML CP 46434V266 1,201 41,680 SH   SOLE   41,680 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 581 26,207 SH   SOLE   26,207 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 4,350 61,957 SH   SOLE   61,957 0 0
ISHARES TR MSCI USA MMENTM 46432F396 2,963 21,728 SH   SOLE   21,728 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 501 4,486 SH   SOLE   4,486 0 0
ISHARES TR MSCI USA VALUE 46432F388 677 7,485 SH   SOLE   7,485 0 0
ISHARES TR NATIONAL MUN ETF 464288414 305 2,864 SH   SOLE   2,864 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 239 2,279 SH   SOLE   2,279 0 0
ISHARES TR U S EQUITY FACTR 46434V282 827 21,821 SH   SOLE   21,821 0 0
ISHARES TR US TREAS BD ETF 46429B267 2,410 100,857 SH   SOLE   100,857 0 0
ISHARES TR USD INV GRDE ETF 464288620 653 12,819 SH   SOLE   12,819 0 0
MCDONALDS CORP COM 580135101 319 1,290 SH   SOLE   1,290 0 0
MICROSOFT CORP COM 594918104 1,508 5,871 SH   SOLE   5,871 0 0
ORACLE CORP COM 68389X105 256 3,664 SH   SOLE   3,664 0 0
PIMCO EQUITY SER RAFI ESG US 72201T342 898 32,640 SH   SOLE   32,640 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,844 72,645 SH   SOLE   72,645 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,875 155,004 SH   SOLE   155,004 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 3,713 71,965 SH   SOLE   71,965 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 7,726 151,792 SH   SOLE   151,792 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,368 30,239 SH   SOLE   30,239 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 3,576 137,927 SH   SOLE   137,927 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 8,264 291,913 SH   SOLE   291,913 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,279 42,054 SH   SOLE   42,054 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,122 22,819 SH   SOLE   22,819 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,969 41,132 SH   SOLE   41,132 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,100 92,789 SH   SOLE   92,789 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 301 4,200 SH   SOLE   4,200 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,903 42,612 SH   SOLE   42,612 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 200 9,470 SH   SOLE   9,470 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,687 30,238 SH   SOLE   30,238 0 0
SIMPLIFY EXCHANGE TRADED FUN RISK PARITY TREA 82889N798 531 29,142 SH   SOLE   29,142 0 0
UBS AG LONDON BRANCH ETRACS UBS BLOOM 90274D390 4,043 166,575 SH   SOLE   166,575 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 393 1,761 SH   SOLE   1,761 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 216 1,439 SH   SOLE   1,439 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 232 1,318 SH   SOLE   1,318 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,131 11,299 SH   SOLE   11,299 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 226 1,716 SH   SOLE   1,716 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 380 9,124 SH   SOLE   9,124 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 1,678 23,922 SH   SOLE   23,922 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 406 2,833 SH   SOLE   2,833 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 2,286 56,032 SH   SOLE   56,032 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 410 4,027 SH   SOLE   4,027 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 239 2,391 SH   SOLE   2,391 0 0
WISDOMTREE TR CBOE S&P 500 97717X560 297 9,303 SH   SOLE   9,303 0 0
WISDOMTREE TR INTERNATIONL EFI 97717Y634 999 32,277 SH   SOLE   32,277 0 0
WISDOMTREE TR US EFFICIENT COR 97717Y790 6,425 192,698 SH   SOLE   192,698 0 0