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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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 796,152 6,084 SH   SOLE   6,084 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 760,432 5,982 SH   SOLE   5,982 0 0
APPLE INC COM 037833100 BBG001S5N8V8 988,738 5,775 SH   SOLE   5,775 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 697,447 1,991 SH   SOLE   1,991 0 0
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 BBG004HQLXB7 2,566,298 56,106 SH   SOLE   56,106 0 0
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 BBG00KJR1T91 3,089,963 62,172 SH   SOLE   62,172 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 BBG001T06LL9 1,360,814 57,981 SH   SOLE   57,981 0 0
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 BBG002DJ8L77 718,667 27,538 SH   SOLE   27,538 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102 BBG00449DVH6 610,216 15,472 SH   SOLE   15,472 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 1,480,845 27,003 SH   SOLE   27,003 0 0
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 5,177,079 103,211 SH   SOLE   103,211 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 2,677,359 54,886 SH   SOLE   54,886 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 279,272 1,120 SH   SOLE   1,120 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 584,091 6,192 SH   SOLE   6,192 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 338,801 3,597 SH   SOLE   3,597 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 10,381,599 24,175 SH   SOLE   24,175 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 1,858,701 19,765 SH   SOLE   19,765 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 201,775 1,978 SH   SOLE   1,978 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 5,429,311 83,246 SH   SOLE   83,246 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 4,292,264 59,302 SH   SOLE   59,302 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 1,069,124 7,653 SH   SOLE   7,653 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 2,242,857 21,873 SH   SOLE   21,873 0 0
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 224,264 2,455 SH   SOLE   2,455 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 588,348 8,496 SH   SOLE   8,496 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 1,236,760 18,076 SH   SOLE   18,076 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,329,260 12,923 SH   SOLE   12,923 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 662,249 4,252 SH   SOLE   4,252 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 757,294 5,222 SH   SOLE   5,222 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 1,069,348 3,562 SH   SOLE   3,562 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 835,790 2,647 SH   SOLE   2,647 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 914,784 2,103 SH   SOLE   2,103 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 2,462,397 48,770 SH   SOLE   48,770 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 1,444,570 46,584 SH   SOLE   46,584 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 3,995,444 119,018 SH   SOLE   119,018 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 341,984 800 SH   SOLE   800 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 1,751,146 37,879 SH   SOLE   37,879 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606 BBG0034VNBZ2 2,460,640 109,752 SH   SOLE   109,752 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 211,220 4,024 SH   SOLE   4,024 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 9,518,459 160,568 SH   SOLE   160,568 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 1,195,069 10,391 SH   SOLE   10,391 0 0
SPDR SER TR SSGA US LRG ETF 78468R804 BBG0045LC1R4 10,711,942 80,224 SH   SOLE   80,224 0 0
SPDR SER TR SSGA US SMAL ETF 78468R887 BBG0045LCCP2 7,718,342 78,042 SH   SOLE   78,042 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 755,164 3,018 SH   SOLE   3,018 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 5,651,656 75,185 SH   SOLE   75,185 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 14,626,949 209,615 SH   SOLE   209,615 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 8,558,997 41,102 SH   SOLE   41,102 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 408,791 5,403 SH   SOLE   5,403 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 3,118,275 64,829 SH   SOLE   64,829 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 2,440,706 32,123 SH   SOLE   32,123 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 4,513,347 103,233 SH   SOLE   103,233 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 9,989,763 96,688 SH   SOLE   96,688 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 3,066,318 7,391 SH   SOLE   7,391 0 0
WISDOMTREE TR US HGH YLD CORP 97717X172 BBG00CSKF0K9 223,897 5,184 SH   SOLE   5,184 0 0