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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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
3M CO COM 88579Y101 BBG001S5T7X2 300,118 2,855 SH   SOLE   2,855 0 0
ALLSTATE CORP COM 020002101 BBG001S9BM06 222,728 2,010 SH   SOLE   2,010 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 730,259 7,040 SH   SOLE   7,040 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 268,320 2,580 SH   SOLE   2,580 0 0
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 1,482,500 33,225 SH   SOLE   33,225 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,085,012 20,186 SH   SOLE   20,186 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 6,650,716 89,802 SH   SOLE   89,802 0 0
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 2,177,340 13,200 SH   SOLE   13,200 0 0
AMERIPRISE FINL INC COM 03076C106 BBG001SK6096 380,673 1,242 SH   SOLE   1,242 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 626,858 2,593 SH   SOLE   2,593 0 0
APPLE INC COM 037833100 BBG001S5N8V8 6,551,400 39,730 SH   SOLE   39,730 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 249,146 12,943 SH   SOLE   12,943 0 0
BANK NEW YORK MELLON CORP COM 064058100 BBG001S5P6Q6 303,639 6,682 SH   SOLE   6,682 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 BBG001SPJ625 212,538 6,728 SH   SOLE   6,728 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 352,307 1,141 SH   SOLE   1,141 0 0
BLACKROCK INC COM 09247X101 BBG001SDBP55 513,884 768 SH   SOLE   768 0 0
BLACKSTONE INC COM 09260D107 BBG001S7H949 1,158,042 13,184 SH   SOLE   13,184 0 0
BOEING CO COM 097023105 BBG001S5P0V3 423,373 1,993 SH   SOLE   1,993 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 225,743 3,257 SH   SOLE   3,257 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 326,243 7,131 SH   SOLE   7,131 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 471,868 2,062 SH   SOLE   2,062 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 1,731,084 10,610 SH   SOLE   10,610 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 1,013,351 19,385 SH   SOLE   19,385 0 0
CLOROX CO DEL COM 189054109 BBG001S5PX50 589,444 3,725 SH   SOLE   3,725 0 0
COLUMBIA BKG SYS INC COM 197236102 BBG001S72GJ3 492,574 22,996 SH   SOLE   22,996 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 282,278 7,446 SH   SOLE   7,446 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 633,509 1,275 SH   SOLE   1,275 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 8,776,451 325,657 SH   SOLE   325,657 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 6,628,759 125,783 SH   SOLE   125,783 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 250,525 2,502 SH   SOLE   2,502 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 4,813,285 43,893 SH   SOLE   43,893 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 6,260,000 148,026 SH   SOLE   148,026 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 1,331,567 15,581 SH   SOLE   15,581 0 0
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 575,435 16,173 SH   SOLE   16,173 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 908,379 3,078 SH   SOLE   3,078 0 0
HP INC COM 40434L105 BBG001S6W7N7 266,615 9,084 SH   SOLE   9,084 0 0
INTEL CORP COM 458140100 BBG001S5SF65 729,018 22,315 SH   SOLE   22,315 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 1,067,543 8,144 SH   SOLE   8,144 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 BBG007HL81B6 7,230,605 508,481 SH   SOLE   508,481 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 BBG001T0NSB6 1,027,282 89,484 SH   SOLE   89,484 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 17,369,148 54,121 SH   SOLE   54,121 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 18,449,577 224,557 SH   SOLE   224,557 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 1,190,409 20,732 SH   SOLE   20,732 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 896,098 9,267 SH   SOLE   9,267 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,262,672 5,504 SH   SOLE   5,504 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 22,258,357 223,388 SH   SOLE   223,388 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 498,547 6,971 SH   SOLE   6,971 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 392,370 5,800 SH   SOLE   5,800 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 610,722 15,477 SH   SOLE   15,477 0 0
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 11,611,160 371,914 SH   SOLE   371,914 0 0
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 256,762 1,140 SH   SOLE   1,140 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 1,809,182 7,405 SH   SOLE   7,405 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 5,580,565 36,652 SH   SOLE   36,652 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 10,692,572 59,936 SH   SOLE   59,936 0 0
JOBY AVIATION INC COMMON STOCK G65163100 BBG00X2MYTD1 51,125 11,780 SH   SOLE   11,780 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,445,454 9,326 SH   SOLE   9,326 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,239,378 9,511 SH   SOLE   9,511 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 725,552 5,406 SH   SOLE   5,406 0 0
KRAFT HEINZ CO COM 500754106 BBG005CPNTR1 302,979 7,835 SH   SOLE   7,835 0 0
LILLY ELI & CO COM 532457108 BBG001S5STL8 233,182 679 SH   SOLE   679 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 240,185 859 SH   SOLE   859 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 455,562 4,282 SH   SOLE   4,282 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 270,435 1,276 SH   SOLE   1,276 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,643,134 9,168 SH   SOLE   9,168 0 0
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 1,732,310 24,847 SH   SOLE   24,847 0 0
MYRIAD GENETICS INC COM 62855J104 BBG001S86FS9 240,593 10,357 SH   SOLE   10,357 0 0
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 1,199,708 5,659 SH   SOLE   5,659 0 0
OTIS WORLDWIDE CORP COM 68902V107 BBG00RP60LN7 344,858 4,086 SH   SOLE   4,086 0 0
PEPSICO INC COM 713448108 BBG001S695T1 374,174 2,053 SH   SOLE   2,053 0 0
PFIZER INC COM 717081103 BBG001S5V466 1,276,441 31,285 SH   SOLE   31,285 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 1,984,308 20,404 SH   SOLE   20,404 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 BBG001T618D9 294,078 2,963 SH   SOLE   2,963 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 7,724,445 51,950 SH   SOLE   51,950 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 790,103 6,193 SH   SOLE   6,193 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 886,462 9,052 SH   SOLE   9,052 0 0
ROCKWELL AUTOMATION INC COM 773903109 BBG001S5VRF5 355,955 1,213 SH   SOLE   1,213 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 212,366 1,063 SH   SOLE   1,063 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 16,597,659 476,944 SH   SOLE   476,944 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 28,677,015 587,764 SH   SOLE   587,764 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 11,053,890 168,556 SH   SOLE   168,556 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 1,512,261 18,257 SH   SOLE   18,257 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 747,846 10,748 SH   SOLE   10,748 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 323,677 973 SH   SOLE   973 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 224,994 1,228 SH   SOLE   1,228 0 0
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 BBG001T21KR6 202,389 5,904 SH   SOLE   5,904 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 34,251,736 83,665 SH   SOLE   83,665 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 355,527 3,872 SH   SOLE   3,872 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 593,186 12,475 SH   SOLE   12,475 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 BBG00B6WD879 915,842 24,101 SH   SOLE   24,101 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 496,077 4,010 SH   SOLE   4,010 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 269,047 2,584 SH   SOLE   2,584 0 0
SUMMIT ST BK SANTA ROSA CALI COM 866264203 BBG001SRFLF8 1,175,926 84,782 SH   SOLE   84,782 0 0
T ROWE PRICE ETF INC ULTRA SHRT TRM 87283Q701 BBG011XYK057 3,013,990 61,978 SH   SOLE   61,978 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 207,493 360 SH   SOLE   360 0 0
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 509,797 9,817 SH   SOLE   9,817 0 0
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 579,479 2,987 SH   SOLE   2,987 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 211,248 447 SH   SOLE   447 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 11,875,589 47,609 SH   SOLE   47,609 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 371,852 1,763 SH   SOLE   1,763 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,078,596 5,690 SH   SOLE   5,690 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 4,182,472 30,284 SH   SOLE   30,284 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 5,376,676 100,555 SH   SOLE   100,555 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 955,134 23,642 SH   SOLE   23,642 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 28,552,646 487,746 SH   SOLE   487,746 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 314,588 4,127 SH   SOLE   4,127 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 664,894 12,043 SH   SOLE   12,043 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 289,070 2,740 SH   SOLE   2,740 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 BBG001SHTTM0 256,414 3,292 SH   SOLE   3,292 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 935,258 24,049 SH   SOLE   24,049 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 735,688 3,263 SH   SOLE   3,263 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 352,937 2,163 SH   SOLE   2,163 0 0
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 888,691 23,775 SH   SOLE   23,775 0 0
WISDOMTREE TR US AI ENHANCED 97717W406 BBG001SHL7F4 1,510,606 16,481 SH   SOLE   16,481 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 BBG001SHL7K8 15,317,602 247,617 SH   SOLE   247,617 0 0