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 317,946 715 SH   SOLE   0 0 715
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 436,293 3,612 SH   SOLE   0 0 3,612
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 431,983 2,282 SH   SOLE   0 0 2,282
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 685,774 3,601 SH   SOLE   0 0 3,601
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,094,317 4,988 SH   SOLE   0 0 4,988
APPLE INC COM 037833100 BBG001S5N8V8 4,077,497 16,283 SH   SOLE   0 0 16,283
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 870,071 5,350 SH   SOLE   0 0 5,350
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 210,453 1,453 SH   SOLE   0 0 1,453
CISCO SYS INC COM 17275R102 BBG001S6HC62 547,955 9,256 SH   SOLE   0 0 9,256
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 2,746,571 42,203 SH   SOLE   0 0 42,203
GE AEROSPACE COM NEW 369604301 BBG001S5PVD5 328,243 1,968 SH   SOLE   0 0 1,968
GEN DIGITAL INC COM 668771108 BBG001S5QG38 434,055 15,853 SH   SOLE   0 0 15,853
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 260,718 1,186 SH   SOLE   0 0 1,186
INTUIT COM 461202103 BBG001S6TWR2 202,377 322 SH   SOLE   0 0 322
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 225,956 11,033 SH   SOLE   0 0 11,033
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 1,508,685 47,713 SH   SOLE   0 0 47,713
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 BBG00KJR2976 296,613 7,189 SH   SOLE   0 0 7,189
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,525,510 2,984 SH   SOLE   0 0 2,984
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 1,480,437 28,350 SH   SOLE   0 0 28,350
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 4,804,240 106,225 SH   SOLE   0 0 106,225
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 6,823,829 117,673 SH   SOLE   0 0 117,673
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 656,524 7,518 SH   SOLE   0 0 7,518
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 6,910,492 98,328 SH   SOLE   0 0 98,328
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 238,959 3,835 SH   SOLE   0 0 3,835
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 260,858 2,264 SH   SOLE   0 0 2,264
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 10,984,265 85,401 SH   SOLE   0 0 85,401
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 913,640 1,552 SH   SOLE   0 0 1,552
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 364,461 3,761 SH   SOLE   0 0 3,761
ISHARES TR EGSADVNCDMSCI EM 46436E742 BBG00XR16C66 322,252 8,646 SH   SOLE   0 0 8,646
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 340,346 4,470 SH   SOLE   0 0 4,470
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 258,885 6,157 SH   SOLE   0 0 6,157
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 541,044 4,200 SH   SOLE   0 0 4,200
ISHARES TR ESG EAFE ETF 46436E759 BBG00VHK1HS9 1,319,848 20,425 SH   SOLE   0 0 20,425
ISHARES TR ESG MSCI USA ETF 46436E767 BBG00VHK2B74 612,810 12,325 SH   SOLE   0 0 12,325
ISHARES TR INTL EQTY FACTOR 46434V274 BBG008LPBS09 8,364,913 291,255 SH   SOLE   0 0 291,255
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 1,971,235 26,071 SH   SOLE   0 0 26,071
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 463,624 11,086 SH   SOLE   0 0 11,086
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 9,420,978 253,798 SH   SOLE   0 0 253,798
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 20,822,969 116,930 SH   SOLE   0 0 116,930
ISHARES TR MSCI USA SMCP MN 46435G433 BBG00DRM2VW7 2,872,632 69,287 SH   SOLE   0 0 69,287
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 296,387 920 SH   SOLE   0 0 920
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1,015,982 4,598 SH   SOLE   0 0 4,598
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 778,803 2,330 SH   SOLE   0 0 2,330
ISHARES TR U S EQUITY FACTR 46434V282 BBG008LNYFB5 14,430,347 239,111 SH   SOLE   0 0 239,111
ISHARES TR US SML CAP EQT 46434V290 BBG008LP6CK8 3,938,733 58,352 SH   SOLE   0 0 58,352
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 245,999 1,701 SH   SOLE   0 0 1,701
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 250,257 1,044 SH   SOLE   0 0 1,044
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 724,537 1,491 SH   SOLE   0 0 1,491
MERCK & CO INC COM 58933Y105 BBG001S5TC52 203,966 2,050 SH   SOLE   0 0 2,050
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,456,088 3,455 SH   SOLE   0 0 3,455
ORACLE CORP COM 68389X105 BBG001S5SJG6 539,580 3,238 SH   SOLE   0 0 3,238
PEPSICO INC COM 713448108 BBG001S695T1 208,930 1,374 SH   SOLE   0 0 1,374
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 432,977 16,259 SH   SOLE   0 0 16,259
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 BBG0051QPC87 1,266,402 43,594 SH   SOLE   0 0 43,594
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 BBG0051K49J8 1,157,236 34,846 SH   SOLE   0 0 34,846
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 BBG0051QD594 3,159,699 92,551 SH   SOLE   0 0 92,551
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789 BBG0051GPYJ9 1,073,635 46,158 SH   SOLE   0 0 46,158
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 BBG0051J0PJ9 1,213,932 51,264 SH   SOLE   0 0 51,264
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 BBG0051NXNX3 415,444 13,988 SH   SOLE   0 0 13,988
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 4,849,286 262,124 SH   SOLE   0 0 262,124
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 204,910 8,436 SH   SOLE   0 0 8,436
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 5,998,650 264,258 SH   SOLE   0 0 264,258
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 336,938 12,333 SH   SOLE   0 0 12,333
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 1,168,411 50,406 SH   SOLE   0 0 50,406
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 BBG001S7R733 200,842 2,387 SH   SOLE   0 0 2,387
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 240,408 565 SH   SOLE   0 0 565
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 1,969,976 57,720 SH   SOLE   0 0 57,720
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,295,758 2,211 SH   SOLE   0 0 2,211
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 2,187,993 30,631 SH   SOLE   0 0 30,631
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 26,611,785 98,672 SH   SOLE   0 0 98,672
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 906,817 1,683 SH   SOLE   0 0 1,683
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,942,163 12,245 SH   SOLE   0 0 12,245
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 63,201,535 218,079 SH   SOLE   0 0 218,079
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 6,014,491 104,764 SH   SOLE   0 0 104,764
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,060,589 46,789 SH   SOLE   0 0 46,789
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 16,288,274 280,832 SH   SOLE   0 0 280,832
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 4,802,892 24,526 SH   SOLE   0 0 24,526
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 247,093 4,193 SH   SOLE   0 0 4,193
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 19,568,835 409,219 SH   SOLE   0 0 409,219
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 4,353,856 54,430 SH   SOLE   0 0 54,430