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   222,120 1,490 SH   SOLE   0 0 1,490
ALPHABET INC CAP STK CL A 02079K305   222,331 1,699 SH   SOLE   0 0 1,699
ALPHABET INC CAP STK CL C 02079K107   238,121 1,806 SH   SOLE   0 0 1,806
AMAZON COM INC COM 023135106   1,705,823 13,419 SH   SOLE   0 0 13,419
APPLE INC COM 037833100   7,618,684 44,499 SH   SOLE   0 0 44,499
AT&T INC COM 00206R102   166,448 11,082 SH   SOLE   0 0 11,081
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   281,992 805 SH   SOLE   0 0 805
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   587,699 12,483 SH   SOLE   0 0 12,482
BOEING CO COM 097023105   1,499,403 7,822 SH   SOLE   0 0 7,822
BROADCOM INC COM 11135F101   763,429 919 SH   SOLE   0 0 919
CLEVELAND-CLIFFS INC NEW COM 185899101   162,052 10,368 SH   SOLE   0 0 10,368
COSTCO WHSL CORP NEW COM 22160K105   212,302 376 SH   SOLE   0 0 375
CSX CORP COM 126408103   224,407 7,298 SH   SOLE   0 0 7,297
DISNEY WALT CO COM 254687106   260,126 3,209 SH   SOLE   0 0 3,209
FIRST FNDTN INC COM 32026V104   62,746 10,320 SH   SOLE   0 0 10,320
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   64,692 11,936 SH   SOLE   0 0 11,935
HOME DEPOT INC COM 437076102   458,398 1,517 SH   SOLE   0 0 1,517
INVESCO EXCH TRADED FD TR II KBW PREM YIELD 46138E594   203,055 11,630 SH   SOLE   0 0 11,629
IRON MTN INC DEL COM 46284V101   297,250 5,000 SH   SOLE   0 0 5,000
ISHARES INC CORE MSCI EMKT 46434G103   7,544,175 158,524 SH   SOLE   0 0 158,524
ISHARES TR ESG EAFE ETF 46436E759   219,568 3,846 SH   SOLE   0 0 3,846
ISHARES TR ESG MSCI USA ETF 46436E767   399,404 11,523 SH   SOLE   0 0 11,523
ISHARES TR AGGRES ALLOC ETF 464289859   374,359 5,896 SH   SOLE   0 0 5,896
ISHARES TR MSCI KLD400 SOC 464288570   386,180 4,744 SH   SOLE   0 0 4,743
ISHARES TR EAFE VALUE ETF 464288877   18,882,109 385,900 SH   SOLE   0 0 385,900
ISHARES TR US INFRASTRUC 46435U713   2,166,416 59,208 SH   SOLE   0 0 59,207
ISHARES TR TIPS BD ETF 464287176   1,029,283 9,924 SH   SOLE   0 0 9,923
ISHARES TR EAFE GRWTH ETF 464288885   15,682,567 181,722 SH   SOLE   0 0 181,721
ISHARES TR MSCI USA MIN VOL 46429B697   5,217,065 72,079 SH   SOLE   0 0 72,078
ISHARES TR TRS FLT RT BD 46434V860   4,414,577 87,004 SH   SOLE   0 0 87,003
ISHARES TR US TREAS BD ETF 46429B267   1,767,191 80,181 SH   SOLE   0 0 80,181
ISHARES TR ESG AWR MSCI USA 46435G425   11,162,519 118,864 SH   SOLE   0 0 118,864
ISHARES TR MORTGE REL ETF 46435G342   393,047 17,594 SH   SOLE   0 0 17,593
ISHARES TR U.S. TECH ETF 464287721   5,293,016 50,448 SH   SOLE   0 0 50,448
ISHARES TR 20 YR TR BD ETF 464287432   2,843,609 32,062 SH   SOLE   0 0 32,062
ISHARES TR CORE TOTAL USD 46434V613   6,487,120 148,396 SH   SOLE   0 0 148,395
ISHARES TR MBS ETF 464288588   4,609,342 51,907 SH   SOLE   0 0 51,907
ISHARES TR MSCI USA VALUE 46432F388   381,387 4,204 SH   SOLE   0 0 4,204
ISHARES TR CORE S&P500 ETF 464287200   257,496 600 SH   SOLE   0 0 599
ISHARES TR S&P 500 GRWT ETF 464287309   4,785,364 69,941 SH   SOLE   0 0 69,941
ISHARES TR MSCI USA QLT FCT 46432F339   18,687,819 141,800 SH   SOLE   0 0 141,799
ISHARES TR CORE S&P MCP ETF 464287507   2,923,130 11,723 SH   SOLE   0 0 11,723
ISHARES TR JPMORGAN USD EMG 464288281   538,697 6,528 SH   SOLE   0 0 6,528
LAM RESEARCH CORP COM 512807108   271,794 434 SH   SOLE   0 0 433
LOCKHEED MARTIN CORP COM 539830109   310,762 760 SH   SOLE   0 0 759
MARRIOTT INTL INC NEW CL A 571903202   1,118,369 5,690 SH   SOLE   0 0 5,689
MCDONALDS CORP COM 580135101   659,353 2,503 SH   SOLE   0 0 2,502
MICROSOFT CORP COM 594918104   2,234,952 7,078 SH   SOLE   0 0 7,078
NVIDIA CORPORATION COM 67066G104   784,778 1,804 SH   SOLE   0 0 1,804
PROCTER AND GAMBLE CO COM 742718109   488,323 3,348 SH   SOLE   0 0 3,347
PROLOGIS INC. COM 74340W103   679,544 6,056 SH   SOLE   0 0 6,056
ROCKWELL AUTOMATION INC COM 773903109   491,363 1,719 SH   SOLE   0 0 1,718
ROSS STORES INC COM 778296103   297,849 2,637 SH   SOLE   0 0 2,637
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   416,097 5,880 SH   SOLE   0 0 5,880
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   1,656,078 39,244 SH   SOLE   0 0 39,243
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   8,246,944 186,456 SH   SOLE   0 0 186,455
SEMPRA COM 816851109   738,454 10,855 SH   SOLE   0 0 10,854
SIENTRA INC COM 82621J204   41,700 15,000 SH   SOLE   0 0 15,000
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   573,756 17,439 SH   SOLE   0 0 17,439
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855   708,518 14,383 SH   SOLE   0 0 14,383
SPDR S&P 500 ETF TR TR UNIT 78462F103   207,816 486 SH   SOLE   0 0 486
SPDR SER TR BLOOMBERG INTL 78464A151   558,664 20,592 SH   SOLE   0 0 20,592
SPDR SER TR ICE PFD SEC ETF 78464A292   607,333 18,710 SH   SOLE   0 0 18,710
SPDR SER TR BLOOMBERG EMERGI 78464A391   1,092,291 55,083 SH   SOLE   0 0 55,082
SPDR SER TR PORTFOLIO LN TSR 78464A664   941,527 36,005 SH   SOLE   0 0 36,004
SPDR SER TR PRTFLO S&P500 HI 78468R788   390,115 11,124 SH   SOLE   0 0 11,123
SPDR SER TR BBG CONV SEC ETF 78464A359   479,034 7,065 SH   SOLE   0 0 7,065
SPDR SER TR BLOOMBERG HIGH Y 78468R622   1,146,276 12,680 SH   SOLE   0 0 12,680
SPDR SER TR DJ REIT ETF 78464A607   460,371 5,551 SH   SOLE   0 0 5,550
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   302,566 16,735 SH   SOLE   0 0 16,734
SPDR SER TR PORTFOLIO S&P500 78464A854   67,870,423 1,350,386 SH   SOLE   0 0 1,350,386
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   987,424 23,549 SH   SOLE   0 0 23,549
TESLA INC COM 88160R101   1,799,832 7,193 SH   SOLE   0 0 7,193
UNITEDHEALTH GROUP INC COM 91324P102   412,292 818 SH   SOLE   0 0 817
WALMART INC COM 931142103   272,595 1,704 SH   SOLE   0 0 1,704
WELLS FARGO CO NEW COM 949746101   204,388 5,002 SH   SOLE   0 0 5,002