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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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 528,749 1,850 SH   SOLE   0 0 1,850
AFFIRM HLDGS INC COM CL A 00827B106 BBG00Y7BP8Z0 577,024 51,200 SH   SOLE   0 0 51,200
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 221,982 2,140 SH   SOLE   0 0 2,140
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 309,920 2,980 SH   SOLE   0 0 2,980
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,157,571 11,207 SH   SOLE   0 0 11,207
AMGEN INC COM 031162100 BBG001S5NNL6 290,100 1,200 SH   SOLE   0 0 1,200
AMPHENOL CORP NEW CL A 032095101 BBG001S5NSK6 365,505 4,473 SH   SOLE   0 0 4,473
APPLE INC COM 037833100 BBG001S5N8V8 1,260,152 7,642 SH   SOLE   0 0 7,642
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 378,861 1,227 SH   SOLE   0 0 1,227
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 251,507 506 SH   SOLE   0 0 506
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 BBG001T06LL9 1,037,721 41,894 SH   SOLE   0 0 41,894
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 BBG001T06LF6 2,637,655 137,521 SH   SOLE   0 0 137,521
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 BBG001T0NSF2 2,891,580 165,139 SH   SOLE   0 0 165,139
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 BBG00KJR0YJ0 776,758 36,848 SH   SOLE   0 0 36,848
INVESCO EXCHANGE TRADED FD T S&P500 BUY WRT 46137V399 BBG001T0Z827 1,542,116 72,741 SH   SOLE   0 0 72,741
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 2,856,919 8,902 SH   SOLE   0 0 8,902
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 4,997,350 102,426 SH   SOLE   0 0 102,426
ISHARES INC EM MKT SM-CP ETF 464286475 BBG001T2TH39 2,823,274 56,042 SH   SOLE   0 0 56,042
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 1,296,006 41,169 SH   SOLE   0 0 41,169
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 811,785 6,900 SH   SOLE   0 0 6,900
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 3,539,681 61,645 SH   SOLE   0 0 61,645
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 10,632,628 225,483 SH   SOLE   0 0 225,483
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 6,511,932 97,411 SH   SOLE   0 0 97,411
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 7,649,792 30,580 SH   SOLE   0 0 30,580
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 9,226,898 95,418 SH   SOLE   0 0 95,418
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 2,125,973 23,949 SH   SOLE   0 0 23,949
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 8,461,281 20,583 SH   SOLE   0 0 20,583
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 8,117,827 81,472 SH   SOLE   0 0 81,472
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 3,925,985 41,908 SH   SOLE   0 0 41,908
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 6,140,192 103,179 SH   SOLE   0 0 103,179
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 843,159 11,737 SH   SOLE   0 0 11,737
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 1,854,165 54,550 SH   SOLE   0 0 54,550
ISHARES TR ESG AWR US AGRGT 46435U549 BBG00MC0P0K7 3,748,102 77,988 SH   SOLE   0 0 77,988
ISHARES TR ESG AWRE 1 5 YR 46435G243 BBG00H4BFM35 1,985,342 82,516 SH   SOLE   0 0 82,516
ISHARES TR ESG MSCI LEADR 46435U218 BBG00P35VT10 1,947,299 27,327 SH   SOLE   0 0 27,327
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 6,595,666 87,302 SH   SOLE   0 0 87,302
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 1,184,485 10,806 SH   SOLE   0 0 10,806
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 443,691 8,779 SH   SOLE   0 0 8,779
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 516,697 10,076 SH   SOLE   0 0 10,076
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 6,331,422 73,382 SH   SOLE   0 0 73,382
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 222,930 5,650 SH   SOLE   0 0 5,650
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 252,727 8,095 SH   SOLE   0 0 8,095
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 7,796,657 34,616 SH   SOLE   0 0 34,616
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 397,600 2,229 SH   SOLE   0 0 2,229
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 6,778,780 65,961 SH   SOLE   0 0 65,961
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 6,373,571 54,391 SH   SOLE   0 0 54,391
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 3,053,522 29,170 SH   SOLE   0 0 29,170
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 11,411,112 134,407 SH   SOLE   0 0 134,407
ISHARES TR USD GRN BOND ETF 46435U440 BBG00MK1NQ85 770,152 16,355 SH   SOLE   0 0 16,355
MICROSOFT CORP COM 594918104 BBG001S5TD05 956,065 3,316 SH   SOLE   0 0 3,316
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 BBG001T618D9 459,031 4,625 SH   SOLE   0 0 4,625
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 480,587 9,175 SH   SOLE   0 0 9,175
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 BBG00HXSKY16 377,542 9,546 SH   SOLE   0 0 9,546
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 2,843,112 115,951 SH   SOLE   0 0 115,951
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 2,309,152 66,355 SH   SOLE   0 0 66,355
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 752,759 22,330 SH   SOLE   0 0 22,330
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 3,415,866 72,817 SH   SOLE   0 0 72,817
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 449,565 6,145 SH   SOLE   0 0 6,145
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 306,677 4,706 SH   SOLE   0 0 4,706
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 4,796,007 99,153 SH   SOLE   0 0 99,153
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 11,310,399 166,697 SH   SOLE   0 0 166,697
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 5,122,333 262,684 SH   SOLE   0 0 262,684
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,416,611 33,785 SH   SOLE   0 0 33,785
SEMPRA COM 816851109 BBG001SBVZ73 297,029 1,965 SH   SOLE   0 0 1,965
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 BBG001T2PHC3 811,611 16,024 SH   SOLE   0 0 16,024
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 269,150 8,691 SH   SOLE   0 0 8,691
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 3,493,599 8,534 SH   SOLE   0 0 8,534
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 876,404 1,912 SH   SOLE   0 0 1,912
SPDR SER TR BLOOMBERG INTL 78464A151 BBG001T8QLK1 684,232 23,974 SH   SOLE   0 0 23,974
SPDR SER TR DJ REIT ETF 78464A607 BBG001SHTRF2 1,439,382 16,213 SH   SOLE   0 0 16,213
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 1,152,868 24,623 SH   SOLE   0 0 24,623
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 1,046,036 21,999 SH   SOLE   0 0 21,999
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 206,623 4,702 SH   SOLE   0 0 4,702
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 1,785,389 27,019 SH   SOLE   0 0 27,019
STARBUCKS CORP COM 855244109 BBG001S72KH6 364,455 3,500 SH   SOLE   0 0 3,500
TESLA INC COM 88160R101 BBG001SQKGD7 205,178 989 SH   SOLE   0 0 989
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 4,568,998 93,397 SH   SOLE   0 0 93,397
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 1,097,179 5,202 SH   SOLE   0 0 5,202
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 6,145,123 74,002 SH   SOLE   0 0 74,002
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 265,490 4,965 SH   SOLE   0 0 4,965
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 236,458 1,535 SH   SOLE   0 0 1,535
VISA INC COM CL A 92826C839 BBG001SRCFY3 776,613 3,445 SH   SOLE   0 0 3,445