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 1,116,364 2,283 SH   SOLE   0 0 2,283
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 521,594 4,579 SH   SOLE   0 0 4,579
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 508,725 4,250 SH   SOLE   0 0 4,250
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 575,532 4,760 SH   SOLE   0 0 4,760
AMAZON COM INC COM 023135106 BBG001S5PQL7 700,033 5,370 SH   SOLE   0 0 5,370
APPLE INC COM 037833100 BBG001S5N8V8 4,106,901 21,191 SH   SOLE   0 0 21,191
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 844,114 5,840 SH   SOLE   0 0 5,840
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 228,630 1,453 SH   SOLE   0 0 1,453
CISCO SYS INC COM 17275R102 BBG001S6HC62 547,637 10,584 SH   SOLE   0 0 10,584
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 2,423,640 44,227 SH   SOLE   0 0 44,227
GEN DIGITAL INC COM 668771108 BBG001S5QG38 294,073 15,853 SH   SOLE   0 0 15,853
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 288,686 2,628 SH   SOLE   0 0 2,628
HP INC COM 40434L105 BBG001S6W7N7 246,079 8,013 SH   SOLE   0 0 8,013
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 233,298 12,516 SH   SOLE   0 0 12,516
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 2,865,232 93,027 SH   SOLE   0 0 93,027
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,102,349 2,984 SH   SOLE   0 0 2,984
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 2,218,099 45,001 SH   SOLE   0 0 45,001
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 8,171,170 196,572 SH   SOLE   0 0 196,572
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 268,539 8,490 SH   SOLE   0 0 8,490
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 10,955,901 199,271 SH   SOLE   0 0 199,271
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 511,842 4,972 SH   SOLE   0 0 4,972
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 5,950,945 88,162 SH   SOLE   0 0 88,162
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 232,085 2,329 SH   SOLE   0 0 2,329
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 8,825,641 90,205 SH   SOLE   0 0 90,205
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 642,275 1,441 SH   SOLE   0 0 1,441
ISHARES TR EGSADVNCDMSCI EM 46436E742 BBG00XR16C66 414,117 11,670 SH   SOLE   0 0 11,670
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 264,736 3,630 SH   SOLE   0 0 3,630
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 296,237 8,340 SH   SOLE   0 0 8,340
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 521,411 5,350 SH   SOLE   0 0 5,350
ISHARES TR ESG EAFE ETF 46436E759 BBG00VHK1HS9 941,364 15,455 SH   SOLE   0 0 15,455
ISHARES TR ESG MSCI USA ETF 46436E767 BBG00VHK2B74 242,345 6,741 SH   SOLE   0 0 6,741
ISHARES TR INTL EQTY FACTOR 46434V274 BBG008LPBS09 7,540,956 281,274 SH   SOLE   0 0 281,274
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 1,895,592 26,146 SH   SOLE   0 0 26,146
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 458,982 11,602 SH   SOLE   0 0 11,602
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 7,607,913 213,705 SH   SOLE   0 0 213,705
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 12,983,298 96,265 SH   SOLE   0 0 96,265
ISHARES TR MSCI USA SMCP MN 46435G433 BBG00DRM2VW7 5,047,612 147,247 SH   SOLE   0 0 147,247
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 224,241 920 SH   SOLE   0 0 920
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1,032,426 5,513 SH   SOLE   0 0 5,513
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 592,938 2,330 SH   SOLE   0 0 2,330
ISHARES TR U S EQUITY FACTR 46434V282 BBG008LNYFB5 9,864,310 221,371 SH   SOLE   0 0 221,371
ISHARES TR US SML CAP EQT 46434V290 BBG008LP6CK8 5,489,611 102,380 SH   SOLE   0 0 102,380
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 345,275 2,086 SH   SOLE   0 0 2,086
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 784,948 1,705 SH   SOLE   0 0 1,705
MERCK & CO INC COM 58933Y105 BBG001S5TC52 298,551 2,587 SH   SOLE   0 0 2,587
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,183,220 3,475 SH   SOLE   0 0 3,475
ORACLE CORP COM 68389X105 BBG001S5SJG6 482,195 4,049 SH   SOLE   0 0 4,049
PEPSICO INC COM 713448108 BBG001S695T1 580,564 3,134 SH   SOLE   0 0 3,134
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 515,900 20,946 SH   SOLE   0 0 20,946
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 5,498,707 154,241 SH   SOLE   0 0 154,241
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 BBG0051GPYJ9 1,016,845 17,921 SH   SOLE   0 0 17,921
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 1,025,782 17,818 SH   SOLE   0 0 17,818
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 463,081 9,179 SH   SOLE   0 0 9,179
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 BBG0051QPC87 3,039,489 113,541 SH   SOLE   0 0 113,541
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 1,805,528 55,916 SH   SOLE   0 0 55,916
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 5,841,635 176,006 SH   SOLE   0 0 176,006
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 4,691,189 90,739 SH   SOLE   0 0 90,739
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 614,091 11,726 SH   SOLE   0 0 11,726
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 1,971,026 60,572 SH   SOLE   0 0 60,572
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 638,717 1,441 SH   SOLE   0 0 1,441
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,722,180 31,634 SH   SOLE   0 0 31,634
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 21,637,482 106,736 SH   SOLE   0 0 106,736
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 689,525 1,693 SH   SOLE   0 0 1,693
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,755,368 13,854 SH   SOLE   0 0 13,854
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 42,269,243 191,889 SH   SOLE   0 0 191,889
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 407,117 2,865 SH   SOLE   0 0 2,865
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 5,947,666 109,312 SH   SOLE   0 0 109,312
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,374,981 58,382 SH   SOLE   0 0 58,382
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 7,809,411 133,130 SH   SOLE   0 0 133,130
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 4,725,222 29,091 SH   SOLE   0 0 29,091
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 408,206 7,279 SH   SOLE   0 0 7,279
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 16,296,737 352,896 SH   SOLE   0 0 352,896
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 4,730,445 62,997 SH   SOLE   0 0 62,997