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 242 2,531 SH   SOLE   2,531 0 0
AMAZON COM INC COM 023135106 304 2,692 SH   SOLE   2,692 0 0
APPLE INC COM 037833100 1,115 8,067 SH   SOLE   8,067 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 260 974 SH   SOLE   974 0 0
BLACKROCK CORE BD TR SHS BEN INT 09249E101 3,469 346,919 SH   SOLE   346,919 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 225 11,905 SH   SOLE   11,905 0 0
INTUIT COM 461202103 325 838 SH   SOLE   838 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 345 20,374 SH   SOLE   20,374 0 0
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 201 9,580 SH   SOLE   9,580 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 508 1,900 SH   SOLE   1,900 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 657 23,755 SH   SOLE   23,755 0 0
ISHARES INC JP MORGAN EM ETF 464286517 855 26,471 SH   SOLE   26,471 0 0
ISHARES INC MSCI EMERG MKT 46434G889 4,283 111,448 SH   SOLE   111,448 0 0
ISHARES INC MSCI EMERG MRKT 464286533 2,972 58,647 SH   SOLE   58,647 0 0
ISHARES INC MSCI GBL GOLD MN 46434G855 547 29,146 SH   SOLE   29,146 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 699 7,274 SH   SOLE   7,274 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 459 11,497 SH   SOLE   11,497 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 312 6,244 SH   SOLE   6,244 0 0
ISHARES TR CALIF MUN BD ETF 464288356 1,690 31,163 SH   SOLE   31,163 0 0
ISHARES TR CONV BD ETF 46435G102 337 4,890 SH   SOLE   4,890 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 371 4,066 SH   SOLE   4,066 0 0
ISHARES TR CORE MSCI EAFE 46432F842 554 10,518 SH   SOLE   10,518 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,076 5,788 SH   SOLE   5,788 0 0
ISHARES TR CORE TOTAL USD 46434V613 280 6,294 SH   SOLE   6,294 0 0
ISHARES TR CORE US AGGBD ET 464287226 212 2,201 SH   SOLE   2,201 0 0
ISHARES TR EAFE GRWTH ETF 464288885 451 6,211 SH   SOLE   6,211 0 0
ISHARES TR EAFE VALUE ETF 464288877 331 8,583 SH   SOLE   8,583 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 1,791 31,916 SH   SOLE   31,916 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 3,126 39,364 SH   SOLE   39,364 0 0
ISHARES TR ESG SCRND S&P500 46436E569 418 15,566 SH   SOLE   15,566 0 0
ISHARES TR INTL EQTY FACTOR 46434V274 423 20,178 SH   SOLE   20,178 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 1,756 35,624 SH   SOLE   35,624 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 337 6,989 SH   SOLE   6,989 0 0
ISHARES TR MBS ETF 464288588 592 6,460 SH   SOLE   6,460 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 1,905 33,410 SH   SOLE   33,410 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 328 12,202 SH   SOLE   12,202 0 0
ISHARES TR MSCI INTL SML CP 46434V266 845 32,279 SH   SOLE   32,279 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 666 33,729 SH   SOLE   33,729 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 4,171 63,104 SH   SOLE   63,104 0 0
ISHARES TR MSCI USA MMENTM 46432F396 1,810 13,797 SH   SOLE   13,797 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 968 9,313 SH   SOLE   9,313 0 0
ISHARES TR MSCI USA VALUE 46432F388 397 4,851 SH   SOLE   4,851 0 0
ISHARES TR NATIONAL MUN ETF 464288414 277 2,697 SH   SOLE   2,697 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 306 2,983 SH   SOLE   2,983 0 0
ISHARES TR U S EQUITY FACTR 46434V282 783 21,614 SH   SOLE   21,614 0 0
ISHARES TR US TREAS BD ETF 46429B267 2,040 89,646 SH   SOLE   89,646 0 0
ISHARES TR USD INV GRDE ETF 464288620 1,523 31,695 SH   SOLE   31,695 0 0
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308 250 5,604 SH   SOLE   5,604 0 0
MCDONALDS CORP COM 580135101 298 1,290 SH   SOLE   1,290 0 0
MICROSOFT CORP COM 594918104 1,334 5,729 SH   SOLE   5,729 0 0
PIMCO EQUITY SER RAFI ESG US 72201T342 812 31,980 SH   SOLE   31,980 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,885 84,151 SH   SOLE   84,151 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,104 181,427 SH   SOLE   181,427 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 3,401 69,203 SH   SOLE   69,203 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 6,637 138,969 SH   SOLE   138,969 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,595 37,522 SH   SOLE   37,522 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 3,999 170,623 SH   SOLE   170,623 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 7,719 306,906 SH   SOLE   306,906 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 815 29,969 SH   SOLE   29,969 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,185 24,545 SH   SOLE   24,545 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,886 41,624 SH   SOLE   41,624 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,591 109,325 SH   SOLE   109,325 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 466 7,022 SH   SOLE   7,022 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,207 52,109 SH   SOLE   52,109 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 808 43,249 SH   SOLE   43,249 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,037 20,029 SH   SOLE   20,029 0 0
SIMPLIFY EXCHANGE TRADED FUN RISK PARITY TREA 82889N798 769 50,382 SH   SOLE   50,382 0 0
UBS AG LONDON BRANCH ETRACS UBS BLOOM 90274D390 3,389 149,237 SH   SOLE   149,237 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 377 1,761 SH   SOLE   1,761 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 236 1,383 SH   SOLE   1,383 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,396 13,352 SH   SOLE   13,352 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 212 1,716 SH   SOLE   1,716 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 600 16,433 SH   SOLE   16,433 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 784 12,450 SH   SOLE   12,450 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 383 2,833 SH   SOLE   2,833 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,428 66,777 SH   SOLE   66,777 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 342 5,944 SH   SOLE   5,944 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 382 4,027 SH   SOLE   4,027 0 0
WISDOMTREE TR CBOE S&P 500 97717X560 221 7,415 SH   SOLE   7,415 0 0
WISDOMTREE TR INTERNATIONL EFI 97717Y634 735 27,035 SH   SOLE   27,035 0 0
WISDOMTREE TR US EFFICIENT COR 97717Y790 4,614 150,879 SH   SOLE   150,879 0 0