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 INC COM 00724F101 BBG001S5NCQ5 1,123,240 2,226 SH   SOLE   0 0 2,226
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 756,975 4,194 SH   SOLE   0 0 4,194
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 474,373 3,143 SH   SOLE   0 0 3,143
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 682,125 4,480 SH   SOLE   0 0 4,480
AMAZON COM INC COM 023135106 BBG001S5PQL7 932,204 5,168 SH   SOLE   0 0 5,168
APPLE INC COM 037833100 BBG001S5N8V8 3,098,846 18,071 SH   SOLE   0 0 18,071
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 1,103,331 5,350 SH   SOLE   0 0 5,350
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 229,196 1,453 SH   SOLE   0 0 1,453
CISCO SYS INC COM 17275R102 BBG001S6HC62 461,967 9,256 SH   SOLE   0 0 9,256
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 2,748,384 44,087 SH   SOLE   0 0 44,087
GEN DIGITAL INC COM 668771108 BBG001S5QG38 355,107 15,853 SH   SOLE   0 0 15,853
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 433,384 2,469 SH   SOLE   0 0 2,469
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 243,665 1,276 SH   SOLE   0 0 1,276
INTUIT COM 461202103 BBG001S6TWR2 258,050 397 SH   SOLE   0 0 397
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 214,702 11,033 SH   SOLE   0 0 11,033
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 1,735,242 52,775 SH   SOLE   0 0 52,775
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 BBG00KJR2976 263,976 7,189 SH   SOLE   0 0 7,189
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,324,926 2,984 SH   SOLE   0 0 2,984
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 1,705,535 33,053 SH   SOLE   0 0 33,053
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 4,318,873 96,966 SH   SOLE   0 0 96,966
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 6,529,933 115,390 SH   SOLE   0 0 115,390
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 507,298 5,361 SH   SOLE   0 0 5,361
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 6,869,432 92,555 SH   SOLE   0 0 92,555
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 232,938 3,835 SH   SOLE   0 0 3,835
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 250,217 2,264 SH   SOLE   0 0 2,264
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 10,062,340 87,271 SH   SOLE   0 0 87,271
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 757,585 1,441 SH   SOLE   0 0 1,441
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 367,745 3,755 SH   SOLE   0 0 3,755
ISHARES TR EGSADVNCDMSCI EM 46436E742 BBG00XR16C66 305,213 8,573 SH   SOLE   0 0 8,573
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 311,649 3,900 SH   SOLE   0 0 3,900
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 248,775 6,178 SH   SOLE   0 0 6,178
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 566,638 4,929 SH   SOLE   0 0 4,929
ISHARES TR ESG EAFE ETF 46436E759 BBG00VHK1HS9 1,181,543 17,342 SH   SOLE   0 0 17,342
ISHARES TR ESG MSCI USA ETF 46436E767 BBG00VHK2B74 519,856 11,514 SH   SOLE   0 0 11,514
ISHARES TR INTL EQTY FACTOR 46434V274 BBG008LPBS09 7,599,116 254,662 SH   SOLE   0 0 254,662
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 2,082,037 26,071 SH   SOLE   0 0 26,071
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 455,420 11,086 SH   SOLE   0 0 11,086
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 8,987,738 226,620 SH   SOLE   0 0 226,620
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 19,256,950 117,170 SH   SOLE   0 0 117,170
ISHARES TR MSCI USA SMCP MN 46435G433 BBG00DRM2VW7 2,850,113 76,104 SH   SOLE   0 0 76,104
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 264,988 920 SH   SOLE   0 0 920
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 966,967 4,598 SH   SOLE   0 0 4,598
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 699,186 2,330 SH   SOLE   0 0 2,330
ISHARES TR U S EQUITY FACTR 46434V282 BBG008LNYFB5 12,380,019 230,069 SH   SOLE   0 0 230,069
ISHARES TR US SML CAP EQT 46434V290 BBG008LP6CK8 3,875,670 60,957 SH   SOLE   0 0 60,957
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 294,392 1,861 SH   SOLE   0 0 1,861
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 741,438 1,630 SH   SOLE   0 0 1,630
MERCK & CO INC COM 58933Y105 BBG001S5TC52 270,540 2,050 SH   SOLE   0 0 2,050
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,453,394 3,455 SH   SOLE   0 0 3,455
ORACLE CORP COM 68389X105 BBG001S5SJG6 423,054 3,368 SH   SOLE   0 0 3,368
PEPSICO INC COM 713448108 BBG001S695T1 462,981 2,645 SH   SOLE   0 0 2,645
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 390,062 15,448 SH   SOLE   0 0 15,448
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 5,309,577 136,073 SH   SOLE   0 0 136,073
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 309,309 6,306 SH   SOLE   0 0 6,306
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 BBG0051GPYJ9 1,054,992 15,922 SH   SOLE   0 0 15,922
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 1,167,397 17,323 SH   SOLE   0 0 17,323
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 398,868 6,994 SH   SOLE   0 0 6,994
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 BBG0051QPC87 1,368,287 49,290 SH   SOLE   0 0 49,290
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 1,301,154 36,539 SH   SOLE   0 0 36,539
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 3,093,066 87,202 SH   SOLE   0 0 87,202
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 5,404,238 88,522 SH   SOLE   0 0 88,522
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 727,716 11,726 SH   SOLE   0 0 11,726
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 BBG001S7R733 221,728 2,387 SH   SOLE   0 0 2,387
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 2,145,524 59,864 SH   SOLE   0 0 59,864
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 753,686 1,441 SH   SOLE   0 0 1,441
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,987,315 30,979 SH   SOLE   0 0 30,979
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 24,133,475 100,657 SH   SOLE   0 0 100,657
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 813,825 1,693 SH   SOLE   0 0 1,693
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 3,067,844 13,421 SH   SOLE   0 0 13,421
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 56,056,162 215,684 SH   SOLE   0 0 215,684
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 6,180,036 105,371 SH   SOLE   0 0 105,371
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,002,288 47,936 SH   SOLE   0 0 47,936
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 13,317,365 227,453 SH   SOLE   0 0 227,453
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 4,709,114 25,788 SH   SOLE   0 0 25,788
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 438,924 7,279 SH   SOLE   0 0 7,279
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 18,928,307 377,283 SH   SOLE   0 0 377,283
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 4,754,503 58,316 SH   SOLE   0 0 58,316