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
ALPHABET INC CAP STK CL C 02079K107   229,843 1,900 SH   SOLE   0 0 1,900
AMAZON COM INC COM 023135106   1,738,742 13,338 SH   SOLE   0 0 13,338
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   221,797 11,084 SH   SOLE   0 0 11,084
APPLE INC COM 037833100   8,436,906 43,496 SH   SOLE   0 0 43,496
AT&T INC COM 00206R102   174,659 10,950 SH   SOLE   0 0 10,950
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   305,877 897 SH   SOLE   0 0 897
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   365,078 7,475 SH   SOLE   0 0 7,475
BOEING CO COM 097023105   1,679,456 7,953 SH   SOLE   0 0 7,953
BROADCOM INC COM 11135F101   809,444 933 SH   SOLE   0 0 933
CLEVELAND-CLIFFS INC NEW COM 185899101   173,768 10,368 SH   SOLE   0 0 10,368
CSX CORP COM 126408103   248,854 7,298 SH   SOLE   0 0 7,298
DISNEY WALT CO COM 254687106   300,322 3,364 SH   SOLE   0 0 3,364
FIRST FNDTN INC COM 32026V104   80,453 20,265 SH   SOLE   0 0 20,265
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   56,118 11,814 SH   SOLE   0 0 11,814
HOME DEPOT INC COM 437076102   437,403 1,408 SH   SOLE   0 0 1,408
INVESCO EXCH TRADED FD TR II KBW PREM YIELD 46138E594   213,844 11,907 SH   SOLE   0 0 11,907
IRON MTN INC DEL COM 46284V101   284,100 5,000 SH   SOLE   0 0 5,000
ISHARES INC CORE MSCI EMKT 46434G103   12,988,660 263,515 SH   SOLE   0 0 263,515
ISHARES TR FALN ANGLS USD 46435G474   505,484 19,924 SH   SOLE   0 0 19,924
ISHARES TR EAFE GRWTH ETF 464288885   19,711,650 206,599 SH   SOLE   0 0 206,599
ISHARES TR ESG EAFE ETF 46436E759   217,875 3,577 SH   SOLE   0 0 3,577
ISHARES TR ESG AW MSCI EAFE 46435G516   226,276 3,103 SH   SOLE   0 0 3,103
ISHARES TR AGGRES ALLOC ETF 464289859   366,093 5,518 SH   SOLE   0 0 5,518
ISHARES TR ESG MSCI USA ETF 46436E767   398,020 11,071 SH   SOLE   0 0 11,071
ISHARES TR US INFRASTRUC 46435U713   2,270,223 58,092 SH   SOLE   0 0 58,092
ISHARES TR ESG AWR MSCI USA 46435G425   15,424,519 158,265 SH   SOLE   0 0 158,265
ISHARES TR EAFE VALUE ETF 464288877   13,443,738 274,698 SH   SOLE   0 0 274,698
ISHARES TR MSCI KLD400 SOC 464288570   405,585 4,819 SH   SOLE   0 0 4,819
ISHARES TR US TREAS BD ETF 46429B267   5,479,070 239,261 SH   SOLE   0 0 239,261
ISHARES TR MSCI USA MIN VOL 46429B697   6,391,892 85,993 SH   SOLE   0 0 85,993
ISHARES TR CORE S&P500 ETF 464287200   268,149 602 SH   SOLE   0 0 602
ISHARES TR MSCI USA QLT FCT 46432F339   28,681,974 212,664 SH   SOLE   0 0 212,664
ISHARES TR U.S. TECH ETF 464287721   10,754,042 98,779 SH   SOLE   0 0 98,779
ISHARES TR MBS ETF 464288588   5,750,663 61,659 SH   SOLE   0 0 61,659
ISHARES TR JPMORGAN USD EMG 464288281   557,006 6,436 SH   SOLE   0 0 6,436
ISHARES TR CORE TOTAL USD 46434V613   7,142,482 157,081 SH   SOLE   0 0 157,081
ISHARES TR 10-20 YR TRS ETF 464288653   1,744,006 15,744 SH   SOLE   0 0 15,744
ISHARES TR MORTGE REL ETF 46435G342   452,240 19,163 SH   SOLE   0 0 19,163
ISHARES TR MSCI USA VALUE 46432F388   395,184 4,214 SH   SOLE   0 0 4,214
LAM RESEARCH CORP COM 512807108   264,084 411 SH   SOLE   0 0 411
LOCKHEED MARTIN CORP COM 539830109   349,375 759 SH   SOLE   0 0 759
MARRIOTT INTL INC NEW CL A 571903202   1,057,082 5,755 SH   SOLE   0 0 5,755
MCDONALDS CORP COM 580135101   764,783 2,563 SH   SOLE   0 0 2,563
MICROSOFT CORP COM 594918104   2,602,851 7,643 SH   SOLE   0 0 7,643
NVIDIA CORPORATION COM 67066G104   882,417 2,086 SH   SOLE   0 0 2,086
PEPSICO INC COM 713448108   208,439 1,125 SH   SOLE   0 0 1,125
PROCTER AND GAMBLE CO COM 742718109   484,599 3,194 SH   SOLE   0 0 3,194
ROCKWELL AUTOMATION INC COM 773903109   564,293 1,713 SH   SOLE   0 0 1,713
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   9,817,127 212,676 SH   SOLE   0 0 212,676
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   420,158 5,786 SH   SOLE   0 0 5,786
SELECT SECTOR SPDR TR ENERGY 81369Y506   236,027 2,908 SH   SOLE   0 0 2,908
SEMPRA COM 816851109   783,858 5,384 SH   SOLE   0 0 5,384
SIENTRA INC COM 82621J204   43,950 15,000 SH   SOLE   0 0 15,000
SOUTHWEST AIRLS CO COM 844741108   247,844 6,845 SH   SOLE   0 0 6,845
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   624,068 18,147 SH   SOLE   0 0 18,147
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855   805,174 15,087 SH   SOLE   0 0 15,087
SPDR S&P 500 ETF TR TR UNIT 78462F103   214,729 484 SH   SOLE   0 0 484
SPDR SER TR BLOOMBERG INTL 78464A151   611,080 21,532 SH   SOLE   0 0 21,532
SPDR SER TR ICE PFD SEC ETF 78464A292   643,781 19,235 SH   SOLE   0 0 19,235
SPDR SER TR BBG CONV SEC ETF 78464A359   531,213 7,594 SH   SOLE   0 0 7,594
SPDR SER TR PRTFLO S&P500 HI 78468R788   415,843 11,215 SH   SOLE   0 0 11,215
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,095,622 36,643 SH   SOLE   0 0 36,643
SPDR SER TR BLOOMBERG EMERGI 78464A391   1,203,510 56,877 SH   SOLE   0 0 56,877
SPDR SER TR BLOOMBERG HIGH Y 78468R622   1,223,713 13,297 SH   SOLE   0 0 13,297
SPDR SER TR DJ REIT ETF 78464A607   517,421 5,721 SH   SOLE   0 0 5,721
SPDR SER TR PORTFOLIO S&P500 78464A854   55,924,238 1,073,196 SH   SOLE   0 0 1,073,196
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   308,090 16,690 SH   SOLE   0 0 16,690
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   1,053,088 25,151 SH   SOLE   0 0 25,151
TESLA INC COM 88160R101   1,886,576 7,207 SH   SOLE   0 0 7,207
UNITEDHEALTH GROUP INC COM 91324P102   286,404 596 SH   SOLE   0 0 596
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   256,485 630 SH   SOLE   0 0 630
VERIZON COMMUNICATIONS INC COM 92343V104   206,033 5,540 SH   SOLE   0 0 5,540
WALMART INC COM 931142103   262,250 1,668 SH   SOLE   0 0 1,668
WELLS FARGO CO NEW COM 949746101   246,645 5,779 SH   SOLE   0 0 5,779