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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 BBG001S5N9M6 312,387 2,740 SH   SOLE   2,740 0 0
ADOBE INC COM 00724F101 BBG001S5NCQ5 554,025 1,070 SH   SOLE   1,070 0 0
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 443,016 2,700 SH   SOLE   2,700 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 BBG001SCTQY4 202,378 1,363 SH   SOLE   1,363 0 0
AKAMAI TECHNOLOGIES INC COM 00971T101 BBG001S7YHX0 549,875 5,447 SH   SOLE   5,447 0 0
ALBEMARLE CORP COM 012653101 BBG001S7SBP9 634,652 6,701 SH   SOLE   6,701 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,235,748 7,451 SH   SOLE   7,451 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 2,658,067 15,898 SH   SOLE   15,898 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 916,371 4,918 SH   SOLE   4,918 0 0
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072299 BBG0161JYFR2 426,797 7,045 SH   SOLE   7,045 0 0
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072315 BBG0161JWX22 1,200,389 21,699 SH   SOLE   21,699 0 0
APPLE INC COM 037833100 BBG001S5N8V8 145,783,909 625,682 SH   SOLE   625,682 0 0
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 526,340 2,605 SH   SOLE   2,605 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 1,055,082 20,392 SH   SOLE   20,392 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 1,948,169 4,981 SH   SOLE   4,981 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 227,679 1,546 SH   SOLE   1,546 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 418,735 7,868 SH   SOLE   7,868 0 0
CLOROX CO DEL COM 189054109 BBG001S5PX50 435,133 2,671 SH   SOLE   2,671 0 0
DANA INC COM 235825205 BBG001SRW699 432,390 40,946 SH   SOLE   40,946 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 9,267,544 325,634 SH   SOLE   325,634 0 0
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 BBG01B92NHL4 639,905 17,211 SH   SOLE   17,211 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 274,430 2,853 SH   SOLE   2,853 0 0
EBAY INC. COM 278642103 BBG001S9B9J5 808,992 12,425 SH   SOLE   12,425 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 209,082 236 SH   SOLE   236 0 0
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 BBG008229899 3,094,103 104,956 SH   SOLE   104,956 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 8,634,327 184,731 SH   SOLE   184,731 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740U307 BBG00X9DXZP8 310,625 6,912 SH   SOLE   6,912 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740U208 BBG00VZR6K84 2,302,785 47,865 SH   SOLE   47,865 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F763 BBG00RPK2N78 740,103 15,241 SH   SOLE   15,241 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 BBG00FZ4KG74 8,753,261 193,485 SH   SOLE   193,485 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 BBG00J3MDYR8 4,904,738 161,234 SH   SOLE   161,234 0 0
FRANKLIN TEMPLETON ETF TR INTL AGGREGTE BD 35473P611 BBG00L2CLCB2 668,476 32,146 SH   SOLE   32,146 0 0
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 213,051 705 SH   SOLE   705 0 0
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 13,170,342 157,089 SH   SOLE   157,089 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 238,258 588 SH   SOLE   588 0 0
INNOVATOR ETFS TRUST US EQTY BUFR JAN 45782C409 BBG00MYXK7W8 2,603,868 55,925 SH   SOLE   55,925 0 0
INTEL CORP COM 458140100 BBG001S5SF65 317,595 13,538 SH   SOLE   13,538 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 206,489 934 SH   SOLE   934 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 7,115,204 202,424 SH   SOLE   202,424 0 0
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 BBG001SS78M6 4,347,976 136,901 SH   SOLE   136,901 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 7,272,346 101,385 SH   SOLE   101,385 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 BBG001SDTVQ0 11,019,566 163,811 SH   SOLE   163,811 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 368,493 755 SH   SOLE   755 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 1,114,401 30,607 SH   SOLE   30,607 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718 BBG00TZR7YF0 277,886 2,759 SH   SOLE   2,759 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 18,876,627 324,843 SH   SOLE   324,843 0 0
ISHARES TR CORE MSCI INTL 46435G326 BBG00G9DM0M7 248,472 3,508 SH   SOLE   3,508 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 5,380,526 86,337 SH   SOLE   86,337 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 385,653 3,070 SH   SOLE   3,070 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 234,189 406 SH   SOLE   406 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 15,693,672 333,058 SH   SOLE   333,058 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 8,430,569 83,248 SH   SOLE   83,248 0 0
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 313,021 5,441 SH   SOLE   5,441 0 0
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 596,604 14,266 SH   SOLE   14,266 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 2,477,670 19,636 SH   SOLE   19,636 0 0
ISHARES TR ESG AWR US AGRGT 46435U549 BBG00MC0P0K7 330,266 6,797 SH   SOLE   6,797 0 0
ISHARES TR ESG EAFE ETF 46436E759 BBG00VHK1HS9 1,567,590 21,760 SH   SOLE   21,760 0 0
ISHARES TR ESG MSCI USA ETF 46436E767 BBG00VHK2B74 1,937,875 39,484 SH   SOLE   39,484 0 0
ISHARES TR ESG SCRD S&P MID 46436E551 BBG00XDJF7W4 803,186 18,993 SH   SOLE   18,993 0 0
ISHARES TR GENOMICS IMMUN 46435U192 BBG00PC1H2K3 252,169 10,245 SH   SOLE   10,245 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 BBG001S7XDQ8 261,364 17,792 SH   SOLE   17,792 0 0
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 5,113,382 104,440 SH   SOLE   104,440 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 BBG007WGK4B0 4,825,895 119,512 SH   SOLE   119,512 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 2,295,351 55,323 SH   SOLE   55,323 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 246,570 2,700 SH   SOLE   2,700 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 8,412,696 41,491 SH   SOLE   41,491 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 6,278,943 16,727 SH   SOLE   16,727 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 3,092,585 16,294 SH   SOLE   16,294 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 204,544 926 SH   SOLE   926 0 0
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 1,959,624 15,852 SH   SOLE   15,852 0 0
ISHARES TR U.S. MED DVC ETF 464288810 BBG001SQZT52 483,235 8,160 SH   SOLE   8,160 0 0
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 BBG0130Y3986 435,231 9,382 SH   SOLE   9,382 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 BBG00GP26NW0 327,273 6,450 SH   SOLE   6,450 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,337,319 8,252 SH   SOLE   8,252 0 0
KRANESHARES TRUST QUADRTC INT RT 500767736 BBG00NW3SL00 2,851,676 148,139 SH   SOLE   148,139 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 630,829 1,102 SH   SOLE   1,102 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,691,263 8,578 SH   SOLE   8,578 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 389,389 549 SH   SOLE   549 0 0
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827 BBG00HZ6Q3N0 800,607 32,545 SH   SOLE   32,545 0 0
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 372,777 4,410 SH   SOLE   4,410 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 357,313 4,042 SH   SOLE   4,042 0 0
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 210,159 1,765 SH   SOLE   1,765 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 BBG00FJ5HBJ1 2,985,900 71,570 SH   SOLE   71,570 0 0
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508 BBG00FJ5HT75 1,151,434 31,255 SH   SOLE   31,255 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 3,595,848 29,610 SH   SOLE   29,610 0 0
NXP SEMICONDUCTORS N V COM N6596X109 BBG001SF62F6 510,981 2,129 SH   SOLE   2,129 0 0
OKTA INC CL A 679295105 BBG001YV1SN3 227,852 3,065 SH   SOLE   3,065 0 0
ON24 INC COM 68339B104 BBG001TCT0B5 349,782 57,154 SH   SOLE   57,154 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 334,495 1,963 SH   SOLE   1,963 0 0
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 471,145 6,038 SH   SOLE   6,038 0 0
PEPSICO INC COM 713448108 BBG001S695T1 464,139 2,729 SH   SOLE   2,729 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 366,021 3,015 SH   SOLE   3,015 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 476,328 2,801 SH   SOLE   2,801 0 0
ROKU INC COM CL A 77543R102 BBG001ZZPQM2 412,497 5,525 SH   SOLE   5,525 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 348,820 2,879 SH   SOLE   2,879 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 360,202 1,316 SH   SOLE   1,316 0 0
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530 BBG00TCBL6Q3 3,624,088 3,624,088 SH   SOLE   3,624,088 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 BBG0051QD594 6,871,538 180,119 SH   SOLE   180,119 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 BBG0051K49J8 23,758,164 635,755 SH   SOLE   635,755 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789 BBG0051GPYJ9 12,000,750 170,538 SH   SOLE   170,538 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 BBG0051J0PJ9 11,675,065 162,696 SH   SOLE   162,696 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 BBG0051NXNX3 6,877,595 115,454 SH   SOLE   115,454 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 396,489 8,344 SH   SOLE   8,344 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 11,674,508 175,504 SH   SOLE   175,504 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 1,758,731 20,806 SH   SOLE   20,806 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 9,343,175 89,683 SH   SOLE   89,683 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 8,244,037 102,576 SH   SOLE   102,576 0 0
SELECTQUOTE INC COM 816307300 BBG001SQZ7Z7 129,158 59,520 SH   SOLE   59,520 0 0
SERVICENOW INC COM 81762P102 BBG001T4JFC0 440,040 492 SH   SOLE   492 0 0
SONY GROUP CORP SPONSORED ADR 835699307 BBG001S5W6H8 453,106 4,692 SH   SOLE   4,692 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 6,272,670 167,004 SH   SOLE   167,004 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 8,515,940 206,297 SH   SOLE   206,297 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 845,373 1,473 SH   SOLE   1,473 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 225,523 3,219 SH   SOLE   3,219 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 203,169 2,084 SH   SOLE   2,084 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 361,573 1,382 SH   SOLE   1,382 0 0
TRIMBLE INC COM 896239100 BBG001S5SZP0 1,009,583 16,260 SH   SOLE   16,260 0 0
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 210,665 3,243 SH   SOLE   3,243 0 0
UNION PAC CORP COM 907818108 BBG001S5X2M0 285,670 1,159 SH   SOLE   1,159 0 0
UNITED RENTALS INC COM 911363109 BBG001SBGZ25 206,481 255 SH   SOLE   255 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 454,566 6,052 SH   SOLE   6,052 0 0
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 BBG01L82WF19 572,791 5,650 SH   SOLE   5,650 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 201,120 4,000 SH   SOLE   4,000 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 332,483 866 SH   SOLE   866 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 10,847,319 44,553 SH   SOLE   44,553 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 8,258,921 49,257 SH   SOLE   49,257 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 585,183 1,109 SH   SOLE   1,109 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 210,881 1,208 SH   SOLE   1,208 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,707,975 56,593 SH   SOLE   56,593 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,916,233 37,485 SH   SOLE   37,485 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 BBG00LWSF8K0 432,486 6,125 SH   SOLE   6,125 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 6,941,188 131,437 SH   SOLE   131,437 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 1,825,696 14,241 SH   SOLE   14,241 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 964,661 15,683 SH   SOLE   15,683 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 217,485 791 SH   SOLE   791 0 0
WALMART INC COM 931142103 BBG001S5XH92 227,715 2,820 SH   SOLE   2,820 0 0
WISDOMTREE TR PUTWRITE STRAT 97717X560 BBG00C839794 2,858,020 86,345 SH   SOLE   86,345 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 BBG001SHKG74 1,168,576 22,855 SH   SOLE   22,855 0 0
WISDOMTREE TR US S CAP QTY DIV 97717X651 BBG004WG0DQ3 246,571 4,785 SH   SOLE   4,785 0 0
WORKDAY INC CL A 98138H101 BBG001T21KQ7 743,740 3,043 SH   SOLE   3,043 0 0