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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 285,785 2,855 SH   SOLE   2,855 0 0
ALLSTATE CORP COM 020002101 BBG001S9BM06 219,170 2,010 SH   SOLE   2,010 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 842,688 7,040 SH   SOLE   7,040 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 312,103 2,580 SH   SOLE   2,580 0 0
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 1,498,252 33,074 SH   SOLE   33,074 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,631,447 20,186 SH   SOLE   20,186 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 7,028,135 90,557 SH   SOLE   90,557 0 0
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 2,298,569 13,195 SH   SOLE   13,195 0 0
AMERIPRISE FINL INC COM 03076C106 BBG001SK6096 412,543 1,242 SH   SOLE   1,242 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 574,810 2,589 SH   SOLE   2,589 0 0
APPLE INC COM 037833100 BBG001S5N8V8 7,746,195 39,935 SH   SOLE   39,935 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 207,001 12,978 SH   SOLE   12,978 0 0
BANK NEW YORK MELLON CORP COM 064058100 BBG001S5P6Q6 297,767 6,688 SH   SOLE   6,688 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 BBG001SPJ625 205,675 6,728 SH   SOLE   6,728 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 389,081 1,141 SH   SOLE   1,141 0 0
BLACKROCK INC COM 09247X101 BBG001SDBP55 522,502 756 SH   SOLE   756 0 0
BLACKSTONE INC COM 09260D107 BBG001S7H949 1,218,834 13,110 SH   SOLE   13,110 0 0
BOEING CO COM 097023105 BBG001S5P0V3 417,252 1,976 SH   SOLE   1,976 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 208,285 3,257 SH   SOLE   3,257 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 354,482 7,131 SH   SOLE   7,131 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 507,355 2,062 SH   SOLE   2,062 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 1,664,264 10,577 SH   SOLE   10,577 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 981,404 18,968 SH   SOLE   18,968 0 0
CLOROX CO DEL COM 189054109 BBG001S5PX50 592,424 3,725 SH   SOLE   3,725 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 309,381 7,446 SH   SOLE   7,446 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 724,121 1,345 SH   SOLE   1,345 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 8,809,380 322,452 SH   SOLE   322,452 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 7,112,771 129,795 SH   SOLE   129,795 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 224,718 2,517 SH   SOLE   2,517 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 4,662,566 43,474 SH   SOLE   43,474 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 5,930,857 148,012 SH   SOLE   148,012 0 0
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 220,208 2,005 SH   SOLE   2,005 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 1,186,511 15,470 SH   SOLE   15,470 0 0
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 579,471 16,259 SH   SOLE   16,259 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 960,810 3,093 SH   SOLE   3,093 0 0
HP INC COM 40434L105 BBG001S6W7N7 278,970 9,084 SH   SOLE   9,084 0 0
INTEL CORP COM 458140100 BBG001S5SF65 738,257 22,077 SH   SOLE   22,077 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 1,049,282 7,842 SH   SOLE   7,842 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 218,500 639 SH   SOLE   639 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 BBG007HL81B6 7,472,741 549,264 SH   SOLE   549,264 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 BBG001T0NSB6 6,316,659 555,555 SH   SOLE   555,555 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 19,090,106 51,676 SH   SOLE   51,676 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 18,355,489 226,387 SH   SOLE   226,387 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 1,200,427 21,079 SH   SOLE   21,079 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 2,862,301 28,724 SH   SOLE   28,724 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,815,264 6,316 SH   SOLE   6,316 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 22,534,642 230,063 SH   SOLE   230,063 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 543,252 7,493 SH   SOLE   7,493 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 391,500 5,800 SH   SOLE   5,800 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 612,270 15,477 SH   SOLE   15,477 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 350,608 3,285 SH   SOLE   3,285 0 0
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 7,042,109 227,679 SH   SOLE   227,679 0 0
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 275,426 1,130 SH   SOLE   1,130 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 2,040,708 7,416 SH   SOLE   7,416 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 5,842,846 37,020 SH   SOLE   37,020 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 9,814,323 52,407 SH   SOLE   52,407 0 0
JOBY AVIATION INC COMMON STOCK G65163100 BBG00X2MYTD1 120,863 11,780 SH   SOLE   11,780 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,566,510 9,464 SH   SOLE   9,464 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,410,477 9,698 SH   SOLE   9,698 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 738,476 5,349 SH   SOLE   5,349 0 0
KRAFT HEINZ CO COM 500754106 BBG005CPNTR1 278,143 7,835 SH   SOLE   7,835 0 0
LILLY ELI & CO COM 532457108 BBG001S5STL8 318,437 679 SH   SOLE   679 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 256,334 859 SH   SOLE   859 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 494,100 4,282 SH   SOLE   4,282 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 369,630 1,288 SH   SOLE   1,288 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,111,514 9,137 SH   SOLE   9,137 0 0
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 1,812,432 24,848 SH   SOLE   24,848 0 0
MYRIAD GENETICS INC COM 62855J104 BBG001S86FS9 240,075 10,357 SH   SOLE   10,357 0 0
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 1,283,235 5,659 SH   SOLE   5,659 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 304,997 721 SH   SOLE   721 0 0
OTIS WORLDWIDE CORP COM 68902V107 BBG00RP60LN7 363,695 4,086 SH   SOLE   4,086 0 0
PEPSICO INC COM 713448108 BBG001S695T1 360,293 1,945 SH   SOLE   1,945 0 0
PFIZER INC COM 717081103 BBG001S5V466 1,146,544 31,258 SH   SOLE   31,258 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 1,992,132 20,407 SH   SOLE   20,407 0 0
PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 426,971 3,390 SH   SOLE   3,390 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 7,980,681 52,594 SH   SOLE   52,594 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 737,929 6,199 SH   SOLE   6,199 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 886,734 9,052 SH   SOLE   9,052 0 0
ROCKWELL AUTOMATION INC COM 773903109 BBG001S5VRF5 399,623 1,213 SH   SOLE   1,213 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 224,569 1,063 SH   SOLE   1,063 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 16,821,738 471,858 SH   SOLE   471,858 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 29,631,315 616,548 SH   SOLE   616,548 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 11,830,707 176,341 SH   SOLE   176,341 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 1,482,441 18,263 SH   SOLE   18,263 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 746,547 10,627 SH   SOLE   10,627 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 335,881 977 SH   SOLE   977 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 218,916 1,228 SH   SOLE   1,228 0 0
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 BBG001T21KR6 203,039 5,904 SH   SOLE   5,904 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 36,147,303 81,545 SH   SOLE   81,545 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 404,865 8,605 SH   SOLE   8,605 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 BBG00B6WD879 894,483 24,123 SH   SOLE   24,123 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 491,546 4,010 SH   SOLE   4,010 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 256,075 2,585 SH   SOLE   2,585 0 0
SUMMIT ST BK SANTA ROSA CALI COM 866264203 BBG001SRFLF8 1,330,662 88,065 SH   SOLE   88,065 0 0
T ROWE PRICE ETF INC ULTRA SHRT TRM 87283Q701 BBG011XYK057 2,869,650 58,919 SH   SOLE   58,919 0 0
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 506,599 9,718 SH   SOLE   9,718 0 0
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 539,704 3,011 SH   SOLE   3,011 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 214,846 447 SH   SOLE   447 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 12,642,370 44,679 SH   SOLE   44,679 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 388,142 1,763 SH   SOLE   1,763 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 253,328 622 SH   SOLE   622 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,069,233 5,376 SH   SOLE   5,376 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 4,349,547 30,609 SH   SOLE   30,609 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 5,360,092 98,513 SH   SOLE   98,513 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 999,952 24,581 SH   SOLE   24,581 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 29,519,368 511,335 SH   SOLE   511,335 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 268,346 3,547 SH   SOLE   3,547 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,084,924 19,346 SH   SOLE   19,346 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 BBG001SHTTM0 267,442 3,292 SH   SOLE   3,292 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 904,206 24,313 SH   SOLE   24,313 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 774,968 3,263 SH   SOLE   3,263 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 375,107 2,163 SH   SOLE   2,163 0 0
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 1,002,926 23,499 SH   SOLE   23,499 0 0
WISDOMTREE TR US AI ENHANCED 97717W406 BBG001SHL7F4 1,542,052 16,485 SH   SOLE   16,485 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 BBG001SHL7K8 15,876,133 249,625 SH   SOLE   249,625 0 0