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
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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
ABBVIE INC COM 00287Y109   241,378 1,619 SH   SOLE   630 0 989
ALPHABET INC CAP STK CL C 02079K107   699,821 5,308 SH   SOLE   2,006 0 3,302
ALPHABET INC CAP STK CL A 02079K305   825,053 6,305 SH   SOLE   1,608 0 4,697
AMAZON COM INC COM 023135106   1,090,344 8,577 SH   SOLE   4,262 0 4,315
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   19,706,765 340,653 SH   SOLE   205,816 0 134,837
AMERICAN CENTY ETF TR US SML CP VALU 025072877   24,414,862 313,212 SH   SOLE   187,694 0 125,518
APPLE INC COM 037833100   44,290,228 258,689 SH   SOLE   6,720 0 251,969
APPLIED MATLS INC COM 038222105   582,182 4,205 SH   SOLE   3,844 0 361
ASML HOLDING N V N Y REGISTRY SHS N07059210   252,535 429 SH   SOLE   429 0 0
BANK AMERICA CORP COM 060505104   1,200,745 43,855 SH   SOLE   430 0 43,425
BANK NEW YORK MELLON CORP COM 064058100   1,498,167 35,127 SH   SOLE   0 0 35,127
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   534,855 1,527 SH   SOLE   500 0 1,027
BOEING CO COM 097023105   251,154 1,310 SH   SOLE   754 0 556
CHEVRON CORP NEW COM 166764100   377,747 2,240 SH   SOLE   263 0 1,977
CINTAS CORP COM 172908105   531,035 1,104 SH   SOLE   1,101 0 3
CISCO SYS INC COM 17275R102   218,013 4,055 SH   SOLE   1,745 0 2,310
COLGATE PALMOLIVE CO COM 194162103   236,939 3,332 SH   SOLE   36 0 3,296
COSTCO WHSL CORP NEW COM 22160K105   516,938 915 SH   SOLE   495 0 420
CVS HEALTH CORP COM 126650100   219,514 3,144 SH   SOLE   2,752 0 392
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,219,843 26,205 SH   SOLE   225 0 25,980
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   27,004,417 1,196,474 SH   SOLE   703,622 0 492,852
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   613,275 18,027 SH   SOLE   0 0 18,027
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   709,074 15,519 SH   SOLE   0 0 15,519
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   467,267 20,749 SH   SOLE   6,050 0 14,699
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   7,705,328 236,215 SH   SOLE   120,152 0 116,063
EXXON MOBIL CORP COM 30231G102   266,436 2,266 SH   SOLE   1,250 0 1,016
GENELUX CORPORATION COM 36870H103   244,900 10,000 SH   SOLE   0 0 10,000
HOME DEPOT INC COM 437076102   310,361 1,027 SH   SOLE   405 0 622
INTEL CORP COM 458140100   232,184 6,531 SH   SOLE   4,320 0 2,211
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   270,610 4,603 SH   SOLE   4,247 0 356
INVESCO QQQ TR UNIT SER 1 46090E103   891,694 2,489 SH   SOLE   1,532 0 957
ISHARES INC ESG AWR MSCI EM 46434G863   388,735 12,838 SH   SOLE   8,379 0 4,459
ISHARES INC EM MKT SM-CP ETF 464286475   1,259,991 23,077 SH   SOLE   13,508 0 9,569
ISHARES INC MSCI BIC ETF 464286657   232,112 6,906 SH   SOLE   0 0 6,906
ISHARES INC CORE MSCI EMKT 46434G103   2,134,580 44,854 SH   SOLE   22,967 0 21,887
ISHARES TR CORE S&P MCP ETF 464287507   349,838 1,403 SH   SOLE   435 0 968
ISHARES TR S&P 500 VAL ETF 464287408   2,160,552 14,044 SH   SOLE   7,197 0 6,847
ISHARES TR RUS 1000 GRW ETF 464287614   497,135 1,869 SH   SOLE   1,463 0 406
ISHARES TR EAFE VALUE ETF 464288877   993,475 20,304 SH   SOLE   11,476 0 8,828
ISHARES TR RUS MD CP GR ETF 464287481   17,899,209 195,941 SH   SOLE   109,740 0 86,201
ISHARES TR S&P SML 600 GWT 464287887   17,809,383 162,376 SH   SOLE   94,502 0 67,874
ISHARES TR CORE S&P500 ETF 464287200   338,533 788 SH   SOLE   504 0 284
ISHARES TR ESG AW MSCI EAFE 46435G516   282,189 4,082 SH   SOLE   2,826 0 1,256
ISHARES TR RUS 2000 VAL ETF 464287630   909,717 6,711 SH   SOLE   3,903 0 2,808
ISHARES TR EAFE SML CP ETF 464288273   16,368,622 289,864 SH   SOLE   171,276 0 118,588
ISHARES TR ESG AWR US AGRGT 46435U549   436,148 9,628 SH   SOLE   6,326 0 3,302
ISHARES TR 1 3 YR TREAS BD 464287457   768,243 9,488 SH   SOLE   948 0 8,540
ISHARES TR RUS 2000 GRW ETF 464287648   234,909 1,048 SH   SOLE   440 0 608
ISHARES TR PFD AND INCM SEC 464288687   9,679,920 321,059 SH   SOLE   177,282 0 143,777
ISHARES TR RUS MDCP VAL ETF 464287473   980,355 9,396 SH   SOLE   4,534 0 4,862
ISHARES TR CORE S&P TTL STK 464287150   700,884 7,441 SH   SOLE   3,269 0 4,172
ISHARES TR ISHS 5-10YR INVT 464288638   328,388 6,750 SH   SOLE   1,303 0 5,447
ISHARES TR CALIF MUN BD ETF 464288356   319,443 5,825 SH   SOLE   2,000 0 3,825
ISHARES TR USD GRN BOND ETF 46435U440   447,013 9,905 SH   SOLE   6,921 0 2,984
ISHARES TR ESG AWARE MSCI 46435U663   210,212 6,247 SH   SOLE   4,140 0 2,107
ISHARES TR CORE US AGGBD ET 464287226   238,768 2,539 SH   SOLE   348 0 2,191
ISHARES TR MRGSTR MD CP GRW 464288307   458,125 8,019 SH   SOLE   7,272 0 747
ISHARES TR CORE INTL AGGR 46435G672   348,240 7,139 SH   SOLE   2,445 0 4,694
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   251,102 5,520 SH   SOLE   700 0 4,820
JOHNSON & JOHNSON COM 478160104   278,793 1,790 SH   SOLE   821 0 969
JPMORGAN CHASE & CO COM 46625H100   1,765,328 12,173 SH   SOLE   90 0 12,083
META PLATFORMS INC CL A 30303M102   1,150,630 3,833 SH   SOLE   1,297 0 2,536
MICROSOFT CORP COM 594918104   1,830,159 5,796 SH   SOLE   1,623 0 4,173
NETFLIX INC COM 64110L106   200,163 530 SH   SOLE   111 0 419
NORTHROP GRUMMAN CORP COM 666807102   483,769 1,099 SH   SOLE   966 0 133
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   473,943 7,903 SH   SOLE   5,505 0 2,398
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   529,614 15,767 SH   SOLE   11,121 0 4,646
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508   280,036 9,850 SH   SOLE   6,656 0 3,194
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409   209,182 5,706 SH   SOLE   3,976 0 1,730
NVIDIA CORPORATION COM 67066G104   359,917 827 SH   SOLE   260 0 567
PROCTER AND GAMBLE CO COM 742718109   316,370 2,169 SH   SOLE   860 0 1,309
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,485,264 46,055 SH   SOLE   26,021 0 20,034
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   203,513 4,022 SH   SOLE   266 0 3,756
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   618,059 25,817 SH   SOLE   1,204 0 24,613
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   590,317 17,797 SH   SOLE   358 0 17,439
SELECT SECTOR SPDR TR ENERGY 81369Y506   11,716,196 129,618 SH   SOLE   69,534 0 60,084
SENSEONICS HLDGS INC COM 81727U105   23,385 38,724 SH   SOLE   38,724 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   226,725 4,239 SH   SOLE   2,576 0 1,663
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,297,125 3,034 SH   SOLE   40 0 2,994
SPDR SER TR ICE PFD SEC ETF 78464A292   600,445 18,498 SH   SOLE   9,375 0 9,123
SPDR SER TR S&P 600 SMCP GRW 78464A201   340,662 4,649 SH   SOLE   805 0 3,844
SPDR SER TR PORTFOLI S&P1500 78464A805   306,390 5,837 SH   SOLE   2,231 0 3,606
SPDR SER TR DJ REIT ETF 78464A607   2,146,106 25,875 SH   SOLE   16,738 0 9,137
SPDR SER TR PORTFOLIO AGRGTE 78464A649   387,055 15,902 SH   SOLE   12,306 0 3,596
SPDR SER TR PORTFOLIO S&P400 78464A847   483,661 11,045 SH   SOLE   1,883 0 9,162
TESLA INC COM 88160R101   1,759,053 7,030 SH   SOLE   2,314 0 4,716
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   18,666,843 267,510 SH   SOLE   165,727 0 101,783
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   17,144,558 358,448 SH   SOLE   226,440 0 132,007
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,060,829 5,447 SH   SOLE   3,568 0 1,879
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,698,810 23,191 SH   SOLE   11,076 0 12,116
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   260,960 665 SH   SOLE   379 0 285
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,189,840 5,555 SH   SOLE   2,711 0 2,844
VANGUARD INDEX FDS MID CAP ETF 922908629   445,634 2,140 SH   SOLE   1,432 0 708
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   16,724,036 221,042 SH   SOLE   125,880 0 95,162
VANGUARD INDEX FDS VALUE ETF 922908744   44,957,836 325,947 SH   SOLE   194,822 0 131,125
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   26,447,466 201,951 SH   SOLE   119,419 0 82,532
VANGUARD INDEX FDS TOTAL STK MKT 922908769   964,780 4,542 SH   SOLE   276 0 4,266
VANGUARD INDEX FDS GROWTH ETF 922908736   35,774,394 131,374 SH   SOLE   72,446 0 58,928
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   21,020,850 197,936 SH   SOLE   116,195 0 81,742
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,708,912 69,087 SH   SOLE   42,419 0 26,669
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,470,724 47,633 SH   SOLE   28,149 0 19,484
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   601,923 12,514 SH   SOLE   12,332 0 182
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   227,457 3,980 SH   SOLE   1,860 0 2,120
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   11,235,057 195,053 SH   SOLE   131,037 0 64,016
VANGUARD STAR FDS VG TL INTL STK F 921909768   264,248 4,937 SH   SOLE   1,217 0 3,720
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,391,036 54,690 SH   SOLE   23,123 0 31,567
VANGUARD WORLD FD MEGA GRWTH IND 921910816   4,193,516 18,482 SH   SOLE   12,975 0 5,507
VISA INC COM CL A 92826C839   246,233 1,071 SH   SOLE   258 0 813
WALMART INC COM 931142103   263,181 1,646 SH   SOLE   1,209 0 436
WISDOMTREE TR INTL EQUITY FD 97717W703   3,462,932 71,622 SH   SOLE   47,889 0 23,733