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
ABBVIE INC COM 00287Y109   565,143 3,103 SH   SOLE   905 0 2,198
ADOBE INC COM 00724F101   586,000 1,161 SH   SOLE   71 0 1,090
ALPHABET INC CAP STK CL A 02079K305   955,062 6,328 SH   SOLE   2,137 0 4,191
ALPHABET INC CAP STK CL C 02079K107   2,118,096 13,911 SH   SOLE   1,837 0 12,074
AMAZON COM INC COM 023135106   2,384,892 13,221 SH   SOLE   5,137 0 8,084
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   19,379,632 294,255 SH   SOLE   187,041 0 107,214
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   39,590,344 616,096 SH   SOLE   379,005 0 237,091
AMERICAN CENTY ETF TR US SML CP VALU 025072877   28,536,601 304,520 SH   SOLE   189,092 0 115,428
APPLE INC COM 037833100   46,161,367 269,194 SH   SOLE   12,215 0 256,979
APPLIED MATLS INC COM 038222105   1,117,854 5,420 SH   SOLE   2,975 0 2,445
ASML HOLDING N V N Y REGISTRY SHS N07059210   371,690 383 SH   SOLE   7 0 376
B2GOLD CORP COM 11777Q209   45,114 17,285 SH   SOLE   17,285 0 0
BANK AMERICA CORP COM 060505104   1,675,728 44,191 SH   SOLE   662 0 43,529
BANK NEW YORK MELLON CORP COM 064058100   2,033,938 35,299 SH   SOLE   0 0 35,299
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   712,297 1,694 SH   SOLE   681 0 1,013
BOEING CO COM 097023105   373,989 1,938 SH   SOLE   727 0 1,211
BROADCOM INC COM 11135F101   330,910 250 SH   SOLE   95 0 155
CADENCE DESIGN SYSTEM INC COM 127387108   226,923 729 SH   SOLE   89 0 640
CHEVRON CORP NEW COM 166764100   321,089 2,036 SH   SOLE   368 0 1,668
CINTAS CORP COM 172908105   644,434 938 SH   SOLE   933 0 5
CISCO SYS INC COM 17275R102   326,976 6,551 SH   SOLE   1,978 0 4,573
COMCAST CORP NEW CL A 20030N101   273,805 6,316 SH   SOLE   663 0 5,653
COSTCO WHSL CORP NEW COM 22160K105   1,382,924 1,888 SH   SOLE   589 0 1,299
CVS HEALTH CORP COM 126650100   228,132 2,860 SH   SOLE   2,591 0 269
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   844,906 15,523 SH   SOLE   0 0 15,523
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,493,161 26,205 SH   SOLE   225 0 25,980
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   36,338,955 1,470,022 SH   SOLE   876,173 0 593,850
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   40,579,224 1,104,197 SH   SOLE   616,217 0 487,980
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   527,855 20,749 SH   SOLE   6,050 0 14,699
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   737,369 18,029 SH   SOLE   0 0 18,029
DISNEY WALT CO COM 254687106   358,503 2,930 SH   SOLE   833 0 2,097
ELI LILLY & CO COM 532457108   524,850 675 SH   SOLE   95 0 580
EQUINIX INC COM 29444U700   367,272 445 SH   SOLE   441 0 4
EXXON MOBIL CORP COM 30231G102   296,727 2,553 SH   SOLE   1,439 0 1,114
FEDEX CORP COM 31428X106   236,469 816 SH   SOLE   59 0 757
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   8,189,783 180,750 SH   SOLE   97,143 0 83,607
GENELUX CORPORATION COM 36870H103   77,160 12,000 SH   SOLE   0 0 12,000
HOME DEPOT INC COM 437076102   1,207,737 3,148 SH   SOLE   401 0 2,748
HONEYWELL INTL INC COM 438516106   241,368 1,176 SH   SOLE   1 0 1,175
INTEL CORP COM 458140100   360,309 8,157 SH   SOLE   4,945 0 3,212
INTUITIVE SURGICAL INC COM NEW 46120E602   2,466,376 6,180 SH   SOLE   6,173 0 7
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   289,565 4,396 SH   SOLE   4,263 0 133
INVESCO QQQ TR UNIT SER 1 46090E103   24,316,841 54,766 SH   SOLE   31,828 0 22,939
ISHARES INC EM MKT SM-CP ETF 464286475   1,819,484 30,917 SH   SOLE   18,086 0 12,831
ISHARES INC CORE MSCI EMKT 46434G103   3,112,968 60,329 SH   SOLE   33,829 0 26,500
ISHARES INC ESG AWR MSCI EM 46434G863   474,974 14,737 SH   SOLE   10,342 0 4,395
ISHARES TR USD GRN BOND ETF 46435U440   423,651 9,035 SH   SOLE   6,051 0 2,984
ISHARES TR CORE S&P MCP ETF 464287507   426,091 7,015 SH   SOLE   2,175 0 4,840
ISHARES TR EAFE VALUE ETF 464288877   1,531,850 28,159 SH   SOLE   17,293 0 10,866
ISHARES TR RUS 2000 GRW ETF 464287648   274,324 1,013 SH   SOLE   454 0 559
ISHARES TR RUS MDCP VAL ETF 464287473   4,113,046 32,818 SH   SOLE   19,437 0 13,380
ISHARES TR ESG AWARE MSCI 46435U663   275,850 6,850 SH   SOLE   4,728 0 2,122
ISHARES TR CORE US AGGBD ET 464287226   296,856 3,031 SH   SOLE   840 0 2,191
ISHARES TR CORE INTL AGGR 46435G672   398,401 7,976 SH   SOLE   3,294 0 4,682
ISHARES TR ESG AW MSCI EAFE 46435G516   379,173 4,745 SH   SOLE   3,469 0 1,276
ISHARES TR S&P 500 VAL ETF 464287408   3,956,380 21,179 SH   SOLE   12,488 0 8,691
ISHARES TR 1 3 YR TREAS BD 464287457   553,090 6,763 SH   SOLE   825 0 5,938
ISHARES TR RUS MD CP GR ETF 464287481   21,439,726 187,837 SH   SOLE   109,341 0 78,496
ISHARES TR ESG AWR US AGRGT 46435U549   368,997 7,841 SH   SOLE   4,495 0 3,346
ISHARES TR MRGSTR MD CP GRW 464288307   566,712 8,018 SH   SOLE   7,272 0 746
ISHARES TR CORE S&P TTL STK 464287150   865,442 7,506 SH   SOLE   3,262 0 4,244
ISHARES TR EAFE SML CP ETF 464288273   10,054,748 158,768 SH   SOLE   100,314 0 58,453
ISHARES TR CORE S&P500 ETF 464287200   859,748 1,635 SH   SOLE   1,328 0 307
ISHARES TR S&P SML 600 GWT 464287887   24,793,231 189,652 SH   SOLE   111,643 0 78,009
ISHARES TR RUS 1000 GRW ETF 464287614   765,154 2,270 SH   SOLE   1,844 0 426
ISHARES TR ISHS 5-10YR INVT 464288638   362,645 7,028 SH   SOLE   797 0 6,231
ISHARES TR RUS 2000 VAL ETF 464287630   2,426,843 15,281 SH   SOLE   9,214 0 6,067
ISHARES TR PFD AND INCM SEC 464288687   14,823,128 459,917 SH   SOLE   266,101 0 193,816
ISHARES TR CALIF MUN BD ETF 464288356   354,044 6,153 SH   SOLE   2,456 0 3,697
ISHARES TR MSCI USA QLT FCT 46432F339   249,319 1,517 SH   SOLE   1,191 0 326
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   300,000 6,300 SH   SOLE   2,281 0 4,019
JOHNSON & JOHNSON COM 478160104   447,122 2,826 SH   SOLE   931 0 1,896
JPMORGAN CHASE & CO COM 46625H100   2,497,804 12,470 SH   SOLE   245 0 12,225
LOCKHEED MARTIN CORP COM 539830109   710,507 1,562 SH   SOLE   1,258 0 304
MCDONALDS CORP COM 580135101   452,193 1,604 SH   SOLE   116 0 1,487
MERCK & CO INC COM 58933Y105   318,275 2,412 SH   SOLE   762 0 1,650
META PLATFORMS INC CL A 30303M102   1,965,997 4,049 SH   SOLE   1,604 0 2,445
MICROSOFT CORP COM 594918104   3,758,383 8,933 SH   SOLE   2,353 0 6,581
NETFLIX INC COM 64110L106   364,454 600 SH   SOLE   71 0 529
NORTHROP GRUMMAN CORP COM 666807102   521,261 1,089 SH   SOLE   966 0 123
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   618,173 8,104 SH   SOLE   5,690 0 2,414
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409   273,587 6,151 SH   SOLE   4,378 0 1,773
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508   312,930 9,150 SH   SOLE   6,412 0 2,738
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   610,063 15,699 SH   SOLE   10,951 0 4,748
NVIDIA CORPORATION COM 67066G104   1,022,613 1,132 SH   SOLE   337 0 794
PAYPAL HLDGS INC COM 70450Y103   211,463 3,157 SH   SOLE   2 0 3,155
PEPSICO INC COM 713448108   411,336 2,350 SH   SOLE   156 0 2,194
PROCTER AND GAMBLE CO COM 742718109   355,968 2,194 SH   SOLE   849 0 1,345
QUALCOMM INC COM 747525103   670,671 3,961 SH   SOLE   2,815 0 1,146
ROSS STORES INC COM 778296103   242,154 1,650 SH   SOLE   29 0 1,621
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   603,046 23,883 SH   SOLE   0 0 23,883
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   2,235,556 62,446 SH   SOLE   36,421 0 26,025
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   249,605 4,022 SH   SOLE   266 0 3,756
SELECT SECTOR SPDR TR ENERGY 81369Y506   9,766,150 103,444 SH   SOLE   58,613 0 44,831
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   814,454 19,337 SH   SOLE   359 0 18,978
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   298,504 1,433 SH   SOLE   322 0 1,111
SENSEONICS HLDGS INC COM 81727U105   20,566 38,724 SH   SOLE   38,724 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   224,707 4,027 SH   SOLE   2,424 0 1,603
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,950,840 3,730 SH   SOLE   619 0 3,110
SPDR SER TR PORTFOLIO AGRGTE 78464A649   854,590 33,805 SH   SOLE   28,666 0 5,139
SPDR SER TR ICE PFD SEC ETF 78464A292   753,262 21,602 SH   SOLE   10,310 0 11,292
SPDR SER TR S&P 600 SMCP GRW 78464A201   410,802 4,709 SH   SOLE   805 0 3,904
SPDR SER TR PORTFOLI S&P1500 78464A805   362,265 5,647 SH   SOLE   1,893 0 3,754
SPDR SER TR PORTFOLIO SH TSR 78468R101   203,365 7,032 SH   SOLE   2,721 0 4,311
SPDR SER TR DJ REIT ETF 78464A607   3,887,279 41,244 SH   SOLE   26,166 0 15,078
SPDR SER TR PORTFOLIO S&P400 78464A847   556,155 10,427 SH   SOLE   1,265 0 9,162
TESLA INC COM 88160R101   1,824,580 10,379 SH   SOLE   2,609 0 7,770
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   25,923,977 356,932 SH   SOLE   219,850 0 137,083
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   21,344,500 433,920 SH   SOLE   279,737 0 154,183
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,834,113 7,779 SH   SOLE   4,950 0 2,829
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   693,388 1,442 SH   SOLE   401 0 1,042
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   30,717,146 197,018 SH   SOLE   119,860 0 77,159
VANGUARD INDEX FDS MID CAP ETF 922908629   548,693 2,196 SH   SOLE   1,488 0 708
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,803,159 19,821 SH   SOLE   9,027 0 10,793
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   22,227,678 257,027 SH   SOLE   147,683 0 109,344
VANGUARD INDEX FDS SML CP GRW ETF 922908595   2,307,671 8,851 SH   SOLE   4,592 0 4,260
VANGUARD INDEX FDS VALUE ETF 922908744   21,398,053 131,389 SH   SOLE   76,476 0 54,914
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,512,904 5,821 SH   SOLE   1,552 0 4,269
VANGUARD INDEX FDS GROWTH ETF 922908736   20,521,157 59,620 SH   SOLE   37,115 0 22,505
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,210,368 52,918 SH   SOLE   34,422 0 18,495
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,385,205 40,668 SH   SOLE   25,520 0 15,148
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   14,301,463 122,402 SH   SOLE   79,445 0 42,957
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   244,036 4,168 SH   SOLE   2,050 0 2,118
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   13,923,006 239,762 SH   SOLE   165,671 0 74,092
VANGUARD STAR FDS VG TL INTL STK F 921909768   362,829 6,017 SH   SOLE   2,137 0 3,880
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,875,519 57,316 SH   SOLE   25,342 0 31,973
VANGUARD WORLD FD MEGA GRWTH IND 921910816   31,614,425 110,305 SH   SOLE   60,134 0 50,171
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,046,973 1,997 SH   SOLE   27 0 1,970
VERIZON COMMUNICATIONS INC COM 92343V104   210,646 5,020 SH   SOLE   1,484 0 3,536
VISA INC COM CL A 92826C839   334,254 1,198 SH   SOLE   398 0 799
WALMART INC COM 931142103   462,618 7,689 SH   SOLE   4,103 0 3,586
WASTE MGMT INC DEL COM 94106L109   571,313 2,680 SH   SOLE   0 0 2,680
WISDOMTREE TR INTL EQUITY FD 97717W703   790,704 14,429 SH   SOLE   10,979 0 3,450