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
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 911,785 2,366 SH   SOLE   0 0 2,366
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 483,875 4,937 SH   SOLE   0 0 4,937
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 455,375 4,390 SH   SOLE   0 0 4,390
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 494,826 4,760 SH   SOLE   0 0 4,760
AMAZON COM INC COM 023135106 BBG001S5PQL7 554,667 5,370 SH   SOLE   0 0 5,370
APPLE INC COM 037833100 BBG001S5N8V8 3,617,165 21,943 SH   SOLE   0 0 21,943
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 750,703 6,112 SH   SOLE   0 0 6,112
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 237,071 1,453 SH   SOLE   0 0 1,453
CISCO SYS INC COM 17275R102 BBG001S6HC62 553,300 10,584 SH   SOLE   0 0 10,584
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 2,454,608 46,577 SH   SOLE   0 0 46,577
EBAY INC. COM 278642103 BBG001S9B9J5 221,381 4,990 SH   SOLE   0 0 4,990
GEN DIGITAL INC COM 668771108 BBG001S5QG38 272,037 15,853 SH   SOLE   0 0 15,853
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 247,986 2,594 SH   SOLE   0 0 2,594
HP INC COM 40434L105 BBG001S6W7N7 235,182 8,013 SH   SOLE   0 0 8,013
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 244,614 1,866 SH   SOLE   0 0 1,866
INTUIT COM 461202103 BBG001S6TWR2 221,578 497 SH   SOLE   0 0 497
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 229,794 12,516 SH   SOLE   0 0 12,516
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 2,944,710 94,960 SH   SOLE   0 0 94,960
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 304,697 1,852 SH   SOLE   0 0 1,852
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 957,655 2,984 SH   SOLE   0 0 2,984
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 2,269,272 46,511 SH   SOLE   0 0 46,511
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 7,526,919 181,284 SH   SOLE   0 0 181,284
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 261,756 8,315 SH   SOLE   0 0 8,315
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 10,056,021 184,277 SH   SOLE   0 0 184,277
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 447,179 4,204 SH   SOLE   0 0 4,204
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 5,878,386 87,934 SH   SOLE   0 0 87,934
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 225,214 2,329 SH   SOLE   0 0 2,329
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 8,245,625 91,062 SH   SOLE   0 0 91,062
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 592,373 1,441 SH   SOLE   0 0 1,441
ISHARES TR EGSADVNCDMSCI EM 46436E742 BBG00XR16C66 361,880 10,325 SH   SOLE   0 0 10,325
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 350,579 4,880 SH   SOLE   0 0 4,880
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 323,585 9,520 SH   SOLE   0 0 9,520
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 507,425 5,610 SH   SOLE   0 0 5,610
ISHARES TR ESG EAFE ETF 46436E759 BBG00VHK1HS9 920,963 15,455 SH   SOLE   0 0 15,455
ISHARES TR ESG MSCI USA ETF 46436E767 BBG00VHK2B74 250,340 7,570 SH   SOLE   0 0 7,570
ISHARES TR INTL EQTY FACTOR 46434V274 BBG008LPBS09 7,767,808 293,236 SH   SOLE   0 0 293,236
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 1,875,332 26,221 SH   SOLE   0 0 26,221
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 478,183 12,118 SH   SOLE   0 0 12,118
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 7,265,025 205,808 SH   SOLE   0 0 205,808
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 10,814,360 87,167 SH   SOLE   0 0 87,167
ISHARES TR MSCI USA SMCP MN 46435G433 BBG00DRM2VW7 5,037,195 145,248 SH   SOLE   0 0 145,248
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 983,526 5,513 SH   SOLE   0 0 5,513
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 548,505 2,330 SH   SOLE   0 0 2,330
ISHARES TR U S EQUITY FACTR 46434V282 BBG008LNYFB5 9,777,343 235,940 SH   SOLE   0 0 235,940
ISHARES TR US SML CAP EQT 46434V290 BBG008LP6CK8 5,080,565 99,114 SH   SOLE   0 0 99,114
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 342,976 2,213 SH   SOLE   0 0 2,213
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 817,823 1,730 SH   SOLE   0 0 1,730
MERCK & CO INC COM 58933Y105 BBG001S5TC52 275,265 2,587 SH   SOLE   0 0 2,587
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,001,710 3,475 SH   SOLE   0 0 3,475
ORACLE CORP COM 68389X105 BBG001S5SJG6 376,233 4,049 SH   SOLE   0 0 4,049
PEPSICO INC COM 713448108 BBG001S695T1 603,860 3,312 SH   SOLE   0 0 3,312
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 513,841 20,956 SH   SOLE   0 0 20,956
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 5,495,420 157,914 SH   SOLE   0 0 157,914
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 BBG0051GPYJ9 1,036,993 19,161 SH   SOLE   0 0 19,161
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 1,022,501 18,618 SH   SOLE   0 0 18,618
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 446,742 9,179 SH   SOLE   0 0 9,179
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 BBG0051QPC87 3,472,643 133,307 SH   SOLE   0 0 133,307
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 2,471,235 79,029 SH   SOLE   0 0 79,029
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 5,660,970 170,871 SH   SOLE   0 0 170,871
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 4,345,870 90,823 SH   SOLE   0 0 90,823
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 567,187 11,726 SH   SOLE   0 0 11,726
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 1,946,469 60,600 SH   SOLE   0 0 60,600
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 589,886 1,441 SH   SOLE   0 0 1,441
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,595,096 31,630 SH   SOLE   0 0 31,630
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 20,066,346 107,416 SH   SOLE   0 0 107,416
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 636,687 1,693 SH   SOLE   0 0 1,693
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,656,063 14,012 SH   SOLE   0 0 14,012
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 37,835,876 185,379 SH   SOLE   0 0 185,379
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 5,908,447 110,500 SH   SOLE   0 0 110,500
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,380,225 58,916 SH   SOLE   0 0 58,916
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 286,168 2,620 SH   SOLE   0 0 2,620
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 6,554,502 109,315 SH   SOLE   0 0 109,315
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 5,436,765 35,301 SH   SOLE   0 0 35,301
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 401,874 7,279 SH   SOLE   0 0 7,279
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 14,430,473 319,470 SH   SOLE   0 0 319,470
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 4,641,619 62,997 SH   SOLE   0 0 62,997