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
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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 313,767 2,774 SH   SOLE   2,774 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 205,445 584 SH   SOLE   584 0 0
ADOBE INC COM 00724F101 BBG001S5NCQ5 557,184 1,253 SH   SOLE   1,253 0 0
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 349,083 2,890 SH   SOLE   2,890 0 0
AKAMAI TECHNOLOGIES INC COM 00971T101 BBG001S7YHX0 453,764 4,744 SH   SOLE   4,744 0 0
ALBEMARLE CORP COM 012653101 BBG001S7SBP9 642,243 7,461 SH   SOLE   7,461 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 2,059,990 10,882 SH   SOLE   10,882 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 3,128,068 16,425 SH   SOLE   16,425 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,897,065 8,647 SH   SOLE   8,647 0 0
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072315 BBG0161JWX22 1,112,201 22,054 SH   SOLE   22,054 0 0
AMERICAN CENTY ETF TR AVANTIS RESPONSI 025072299 BBG0161JYFR2 367,210 6,595 SH   SOLE   6,595 0 0
APPLE INC COM 037833100 BBG001S5N8V8 111,139,966 443,814 SH   SOLE   443,814 0 0
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 406,087 2,497 SH   SOLE   2,497 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 1,153,372 20,392 SH   SOLE   20,392 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 1,797,839 4,956 SH   SOLE   4,956 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 229,571 1,585 SH   SOLE   1,585 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 401,198 6,777 SH   SOLE   6,777 0 0
CLOROX CO DEL COM 189054109 BBG001S5PX50 433,797 2,671 SH   SOLE   2,671 0 0
DANA INC COM 235825205 BBG001SRW699 473,336 40,946 SH   SOLE   40,946 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 8,850,200 337,665 SH   SOLE   337,665 0 0
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 BBG01B92NHL4 653,434 17,241 SH   SOLE   17,241 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 387,407 3,479 SH   SOLE   3,479 0 0
EBAY INC. COM 278642103 BBG001S9B9J5 770,524 12,438 SH   SOLE   12,438 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 243,983 316 SH   SOLE   316 0 0
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 BBG008229899 2,838,937 105,068 SH   SOLE   105,068 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 8,767,643 195,401 SH   SOLE   195,401 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F763 BBG00RPK2N78 720,968 14,486 SH   SOLE   14,486 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740U307 BBG00X9DXZP8 286,832 6,277 SH   SOLE   6,277 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740U208 BBG00VZR6K84 2,304,411 47,060 SH   SOLE   47,060 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 BBG00FZ4KG74 9,249,250 215,249 SH   SOLE   215,249 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 BBG00J3MDYR8 4,775,009 166,900 SH   SOLE   166,900 0 0
FRANKLIN TEMPLETON ETF TR INTL AGGREGTE BD 35473P611 BBG00L2CLCB2 673,783 33,224 SH   SOLE   33,224 0 0
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 14,521,395 157,209 SH   SOLE   157,209 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 222,891 573 SH   SOLE   573 0 0
INNOVATOR ETFS TRUST US EQTY BUFR JAN 45782C409 BBG00MYXK7W8 2,616,392 54,565 SH   SOLE   54,565 0 0
INTEL CORP COM 458140100 BBG001S5SF65 275,101 13,721 SH   SOLE   13,721 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 205,321 934 SH   SOLE   934 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 6,444,662 203,816 SH   SOLE   203,816 0 0
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 BBG001SS78M6 4,036,620 142,536 SH   SOLE   142,536 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 7,284,760 104,068 SH   SOLE   104,068 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 BBG001SDTVQ0 11,035,350 164,633 SH   SOLE   164,633 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 503,050 984 SH   SOLE   984 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 1,004,104 30,072 SH   SOLE   30,072 0 0
ISHARES TR 0-3 MNTH TREASRY 46436E718 BBG00TZR7YF0 271,767 2,709 SH   SOLE   2,709 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 19,745,619 344,721 SH   SOLE   344,721 0 0
ISHARES TR CORE MSCI INTL 46435G326 BBG00G9DM0M7 226,161 3,508 SH   SOLE   3,508 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 5,563,458 89,287 SH   SOLE   89,287 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 376,214 2,925 SH   SOLE   2,925 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 774,703 1,316 SH   SOLE   1,316 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 15,305,398 338,615 SH   SOLE   338,615 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 8,738,381 90,179 SH   SOLE   90,179 0 0
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 282,866 5,391 SH   SOLE   5,391 0 0
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 556,364 13,231 SH   SOLE   13,231 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 2,410,480 18,712 SH   SOLE   18,712 0 0
ISHARES TR ESG AWR US AGRGT 46435U549 BBG00MC0P0K7 332,371 7,157 SH   SOLE   7,157 0 0
ISHARES TR ESG EAFE ETF 46436E759 BBG00VHK1HS9 1,427,779 22,095 SH   SOLE   22,095 0 0
ISHARES TR ESG MSCI USA ETF 46436E767 BBG00VHK2B74 1,988,004 39,984 SH   SOLE   39,984 0 0
ISHARES TR ESG SCRD S&P MID 46436E551 BBG00XDJF7W4 761,541 18,203 SH   SOLE   18,203 0 0
ISHARES TR GENOMICS IMMUN 46435U192 BBG00PC1H2K3 231,844 10,245 SH   SOLE   10,245 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 BBG001S7XDQ8 202,473 17,792 SH   SOLE   17,792 0 0
ISHARES TR HDG MSCI EAFE 46434V803 BBG005XKVF72 258,961 7,452 SH   SOLE   7,452 0 0
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 5,166,641 104,461 SH   SOLE   104,461 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 BBG007WGK4B0 4,560,818 121,947 SH   SOLE   121,947 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 2,093,605 56,401 SH   SOLE   56,401 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 918,646 10,346 SH   SOLE   10,346 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 8,539,569 41,270 SH   SOLE   41,270 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 561,964 3,156 SH   SOLE   3,156 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 6,799,678 16,932 SH   SOLE   16,932 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 3,020,195 16,314 SH   SOLE   16,314 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 213,918 640 SH   SOLE   640 0 0
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 2,020,728 16,171 SH   SOLE   16,171 0 0
ISHARES TR U.S. MED DVC ETF 464288810 BBG001SQZT52 476,136 8,160 SH   SOLE   8,160 0 0
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 BBG0130Y3986 455,288 9,980 SH   SOLE   9,980 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,202,371 8,314 SH   SOLE   8,314 0 0
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 253,134 1,056 SH   SOLE   1,056 0 0
KRANESHARES TRUST QUADRTC INT RT 500767736 BBG00NW3SL00 2,730,328 153,908 SH   SOLE   153,908 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 676,281 1,155 SH   SOLE   1,155 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 4,817,409 11,429 SH   SOLE   11,429 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 634,620 712 SH   SOLE   712 0 0
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827 BBG00HZ6Q3N0 905,057 37,695 SH   SOLE   37,695 0 0
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 309,414 4,316 SH   SOLE   4,316 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 256,294 3,387 SH   SOLE   3,387 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 BBG00FJ5HBJ1 2,821,215 71,659 SH   SOLE   71,659 0 0
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508 BBG00FJ5HT75 1,048,825 30,130 SH   SOLE   30,130 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 4,134,011 30,784 SH   SOLE   30,784 0 0
NXP SEMICONDUCTORS N V COM N6596X109 BBG001SF62F6 445,215 2,142 SH   SOLE   2,142 0 0
OKTA INC CL A 679295105 BBG001YV1SN3 241,128 3,060 SH   SOLE   3,060 0 0
ON24 INC COM 68339B104 BBG001TCT0B5 209,950 32,500 SH   SOLE   32,500 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 399,436 2,397 SH   SOLE   2,397 0 0
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 516,197 6,048 SH   SOLE   6,048 0 0
PEPSICO INC COM 713448108 BBG001S695T1 429,634 2,825 SH   SOLE   2,825 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 360,689 2,997 SH   SOLE   2,997 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 434,932 2,831 SH   SOLE   2,831 0 0
ROKU INC COM CL A 77543R102 BBG001ZZPQM2 410,729 5,525 SH   SOLE   5,525 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 338,944 2,929 SH   SOLE   2,929 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 424,599 1,270 SH   SOLE   1,270 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 BBG0051K49J8 22,453,812 676,116 SH   SOLE   676,116 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 BBG0051QD594 6,777,710 198,527 SH   SOLE   198,527 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789 BBG0051GPYJ9 12,067,866 518,825 SH   SOLE   518,825 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 BBG0051J0PJ9 11,528,845 486,860 SH   SOLE   486,860 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 BBG0051NXNX3 7,021,258 236,406 SH   SOLE   236,406 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 301,734 13,292 SH   SOLE   13,292 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 11,914,543 524,870 SH   SOLE   524,870 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 2,267,478 82,997 SH   SOLE   82,997 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 10,053,099 360,714 SH   SOLE   360,714 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 8,150,735 312,648 SH   SOLE   312,648 0 0
SELECTQUOTE INC COM 816307300 BBG001SQZ7Z7 221,414 59,520 SH   SOLE   59,520 0 0
SERVICENOW INC COM 81762P102 BBG001T4JFC0 523,699 494 SH   SOLE   494 0 0
SONY GROUP CORP SPONSORED ADR 835699307 BBG001S5W6H8 496,414 23,460 SH   SOLE   23,460 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 5,931,453 173,790 SH   SOLE   173,790 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 8,065,604 210,206 SH   SOLE   210,206 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 912,765 1,557 SH   SOLE   1,557 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 216,004 3,024 SH   SOLE   3,024 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 366,687 908 SH   SOLE   908 0 0
TRIMBLE INC COM 896239100 BBG001S5SZP0 1,148,932 16,260 SH   SOLE   16,260 0 0
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 213,759 3,770 SH   SOLE   3,770 0 0
UNION PAC CORP COM 907818108 BBG001S5X2M0 267,263 1,172 SH   SOLE   1,172 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 437,141 6,079 SH   SOLE   6,079 0 0
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 BBG01L82WF19 562,401 5,650 SH   SOLE   5,650 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 355,441 866 SH   SOLE   866 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 11,346,939 44,717 SH   SOLE   44,717 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 8,027,998 49,626 SH   SOLE   49,626 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 713,599 1,324 SH   SOLE   1,324 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 214,334 1,266 SH   SOLE   1,266 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,492,796 56,603 SH   SOLE   56,603 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 2,281,867 45,519 SH   SOLE   45,519 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 BBG00LWSF8K0 442,212 6,485 SH   SOLE   6,485 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 6,580,797 137,616 SH   SOLE   137,616 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 2,220,959 17,407 SH   SOLE   17,407 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 906,690 15,991 SH   SOLE   15,991 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 323,025 1,519 SH   SOLE   1,519 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 271,478 859 SH   SOLE   859 0 0
WALMART INC COM 931142103 BBG001S5XH92 274,935 3,043 SH   SOLE   3,043 0 0
WISDOMTREE TR PUTWRITE STRAT 97717X560 BBG00C839794 2,890,931 87,694 SH   SOLE   87,694 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 BBG001SHKG74 1,337,198 26,235 SH   SOLE   26,235 0 0
WISDOMTREE TR US S CAP QTY DIV 97717X651 BBG004WG0DQ3 300,464 5,865 SH   SOLE   5,865 0 0
WORKDAY INC CL A 98138H101 BBG001T21KQ7 785,185 3,043 SH   SOLE   3,043 0 0