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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 1,060,132 7,024 SH   SOLE   7,024 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,169,043 6,481 SH   SOLE   6,481 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,379,042 8,042 SH   SOLE   8,042 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,053,823 2,506 SH   SOLE   2,506 0 0
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 BBG004HQLXB7 2,847,632 61,624 SH   SOLE   61,624 0 0
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 BBG00KJR1T91 3,336,312 66,873 SH   SOLE   66,873 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 BBG001T06LL9 1,784,049 71,735 SH   SOLE   71,735 0 0
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 BBG002DJ8L77 381,892 13,605 SH   SOLE   13,605 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102 BBG00449DVH6 315,527 7,137 SH   SOLE   7,137 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 1,336,942 23,235 SH   SOLE   23,235 0 0
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 6,484,340 112,380 SH   SOLE   112,380 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 2,854,762 57,152 SH   SOLE   57,152 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 340,144 5,600 SH   SOLE   5,600 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 666,543 6,031 SH   SOLE   6,031 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 419,116 3,635 SH   SOLE   3,635 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 12,875,447 24,491 SH   SOLE   24,491 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 1,352,160 13,806 SH   SOLE   13,806 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 6,674,564 94,167 SH   SOLE   94,167 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 4,225,323 50,554 SH   SOLE   50,554 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 1,240,819 6,623 SH   SOLE   6,623 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,992,860 18,521 SH   SOLE   18,521 0 0
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 201,001 1,761 SH   SOLE   1,761 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 623,948 7,420 SH   SOLE   7,420 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 1,460,981 17,302 SH   SOLE   17,302 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,227,436 11,720 SH   SOLE   11,720 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 882,700 5,580 SH   SOLE   5,580 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,167,749 5,830 SH   SOLE   5,830 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 1,147,426 2,363 SH   SOLE   2,363 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,212,533 2,882 SH   SOLE   2,882 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,965,243 2,175 SH   SOLE   2,175 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 2,833,696 54,327 SH   SOLE   54,327 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 1,323,105 36,917 SH   SOLE   36,917 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 4,694,795 129,726 SH   SOLE   129,726 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 401,195 767 SH   SOLE   767 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 2,586,761 54,527 SH   SOLE   54,527 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606 BBG0034VNBZ2 2,825,854 120,454 SH   SOLE   120,454 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 236,906 3,693 SH   SOLE   3,693 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 12,256,211 167,549 SH   SOLE   167,549 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 1,394,500 10,626 SH   SOLE   10,626 0 0
SPDR SER TR SSGA US LRG ETF 78468R804 BBG0045LC1R4 13,859,556 88,992 SH   SOLE   88,992 0 0
SPDR SER TR SSGA US SMAL ETF 78468R887 BBG0045LCCP2 9,659,734 86,217 SH   SOLE   86,217 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 599,268 3,409 SH   SOLE   3,409 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 227,570 460 SH   SOLE   460 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 6,091,508 79,451 SH   SOLE   79,451 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 17,247,604 237,472 SH   SOLE   237,472 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 10,943,668 43,799 SH   SOLE   43,799 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 418,217 4,836 SH   SOLE   4,836 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 3,718,290 73,484 SH   SOLE   73,484 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 2,842,003 35,300 SH   SOLE   35,300 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 5,946,061 118,518 SH   SOLE   118,518 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 12,342,209 102,010 SH   SOLE   102,010 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 BBG001SHVR41 208,835 1,023 SH   SOLE   1,023 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 4,017,261 7,662 SH   SOLE   7,662 0 0