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   272,534 1,497 SH   SOLE   0 0 1,497
ALPHABET INC CAP STK CL A 02079K305   289,031 1,915 SH   SOLE   0 0 1,915
ALPHABET INC CAP STK CL C 02079K107   295,384 1,940 SH   SOLE   0 0 1,940
AMAZON COM INC COM 023135106   2,360,633 13,087 SH   SOLE   0 0 13,087
APPLE INC COM 037833100   8,230,473 47,997 SH   SOLE   0 0 47,997
AT&T INC COM 00206R102   192,890 10,960 SH   SOLE   0 0 10,960
BANK AMERICA CORP COM 060505104   244,347 6,444 SH   SOLE   0 0 6,444
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   339,360 807 SH   SOLE   0 0 807
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   824,449 14,361 SH   SOLE   0 0 14,361
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   14,666,955 330,337 SH   SOLE   0 0 330,337
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   1,801,704 34,344 SH   SOLE   0 0 34,344
BOEING CO COM 097023105   1,509,651 7,822 SH   SOLE   0 0 7,822
BROADCOM INC COM 11135F101   1,220,047 921 SH   SOLE   0 0 921
CLEVELAND-CLIFFS INC NEW COM 185899101   235,768 10,368 SH   SOLE   0 0 10,368
COSTCO WHSL CORP NEW COM 22160K105   342,106 467 SH   SOLE   0 0 467
CSX CORP COM 126408103   272,273 7,345 SH   SOLE   0 0 7,345
DBX ETF TR XTRACK MSCI EAFE 233051200   4,171,995 101,930 SH   SOLE   0 0 101,930
DISNEY WALT CO COM 254687106   279,785 2,287 SH   SOLE   0 0 2,287
FIRST FNDTN INC COM 32026V104   78,146 10,350 SH   SOLE   0 0 10,350
HOME DEPOT INC COM 437076102   697,882 1,819 SH   SOLE   0 0 1,819
IRON MTN INC DEL COM 46284V101   401,050 5,000 SH   SOLE   0 0 5,000
ISHARES INC CORE MSCI EMKT 46434G103   979,890 18,990 SH   SOLE   0 0 18,990
ISHARES INC MSCI EMRG CHN 46434G764   7,594,519 131,918 SH   SOLE   0 0 131,918
ISHARES TR 10-20 YR TRS ETF 464288653   1,370,326 13,047 SH   SOLE   0 0 13,047
ISHARES TR AGGRES ALLOC ETF 464289859   433,018 5,895 SH   SOLE   0 0 5,895
ISHARES TR CALIF MUN BD ETF 464288356   7,367,709 128,045 SH   SOLE   0 0 128,045
ISHARES TR CORE DIV GRWTH 46434V621   761,390 13,114 SH   SOLE   0 0 13,114
ISHARES TR CORE S&P500 ETF 464287200   413,414 786 SH   SOLE   0 0 786
ISHARES TR CORE TOTAL USD 46434V613   13,131,238 288,029 SH   SOLE   0 0 288,029
ISHARES TR EAFE GRWTH ETF 464288885   12,161,407 117,173 SH   SOLE   0 0 117,173
ISHARES TR EAFE VALUE ETF 464288877   15,166,751 278,801 SH   SOLE   0 0 278,801
ISHARES TR ESG AWR MSCI USA 46435G425   2,365,613 20,578 SH   SOLE   0 0 20,578
ISHARES TR ESG EAFE ETF 46436E759   273,883 4,020 SH   SOLE   0 0 4,020
ISHARES TR ESG MSCI USA ETF 46436E767   525,074 11,630 SH   SOLE   0 0 11,630
ISHARES TR GLOBAL ENERG ETF 464287341   3,771,397 87,809 SH   SOLE   0 0 87,809
ISHARES TR IBOXX INV CP ETF 464287242   1,403,761 12,888 SH   SOLE   0 0 12,888
ISHARES TR INTL DIV GRWTH 46435G524   450,840 6,693 SH   SOLE   0 0 6,693
ISHARES TR JPMORGAN USD EMG 464288281   782,761 8,729 SH   SOLE   0 0 8,729
ISHARES TR MBS ETF 464288588   3,347,293 36,218 SH   SOLE   0 0 36,218
ISHARES TR MSCI KLD400 SOC 464288570   554,224 5,498 SH   SOLE   0 0 5,498
ISHARES TR MSCI USA MIN VOL 46429B697   1,120,072 13,401 SH   SOLE   0 0 13,401
ISHARES TR MSCI USA QLT FCT 46432F339   5,379,419 32,731 SH   SOLE   0 0 32,731
ISHARES TR MSCI USA VALUE 46432F388   455,335 4,204 SH   SOLE   0 0 4,204
ISHARES TR ROBOTICS ARTIF 46435U556   292,181 8,506 SH   SOLE   0 0 8,506
ISHARES TR S&P 500 GRWT ETF 464287309   36,259,904 429,416 SH   SOLE   0 0 429,416
ISHARES TR S&P 500 VAL ETF 464287408   29,008,595 155,284 SH   SOLE   0 0 155,284
ISHARES TR SHRT NAT MUN ETF 464288158   360,062 3,438 SH   SOLE   0 0 3,438
ISHARES TR U.S. TECH ETF 464287721   9,188,023 68,029 SH   SOLE   0 0 68,029
ISHARES TR US INFRASTRUC 46435U713   2,865,621 66,089 SH   SOLE   0 0 66,089
ISHARES TR US TREAS BD ETF 46429B267   570,342 25,048 SH   SOLE   0 0 25,048
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   421,799 7,290 SH   SOLE   0 0 7,290
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   14,381,063 272,008 SH   SOLE   0 0 272,008
JPMORGAN CHASE & CO COM 46625H100   255,668 1,276 SH   SOLE   0 0 1,276
LAM RESEARCH CORP COM 512807108   420,342 433 SH   SOLE   0 0 433
LOCKHEED MARTIN CORP COM 539830109   347,338 764 SH   SOLE   0 0 764
MARRIOTT INTL INC NEW CL A 571903202   1,436,390 5,693 SH   SOLE   0 0 5,693
MCDONALDS CORP COM 580135101   618,907 2,195 SH   SOLE   0 0 2,195
META PLATFORMS INC CL A 30303M102   247,377 509 SH   SOLE   0 0 509
MICROSOFT CORP COM 594918104   2,897,268 6,886 SH   SOLE   0 0 6,886
NVIDIA CORPORATION COM 67066G104   1,660,130 1,837 SH   SOLE   0 0 1,837
PROCTER AND GAMBLE CO COM 742718109   543,344 3,349 SH   SOLE   0 0 3,349
PROLOGIS INC. COM 74340W103   794,794 6,103 SH   SOLE   0 0 6,103
ROCKWELL AUTOMATION INC COM 773903109   503,415 1,728 SH   SOLE   0 0 1,728
ROSS STORES INC COM 778296103   385,098 2,624 SH   SOLE   0 0 2,624
SEMPRA COM 816851109   792,567 11,034 SH   SOLE   0 0 11,034
SOUTHWEST AIRLS CO COM 844741108   200,918 6,883 SH   SOLE   0 0 6,883
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   1,997,254 55,188 SH   SOLE   0 0 55,188
SPDR S&P 500 ETF TR TR UNIT 78462F103   257,819 493 SH   SOLE   0 0 493
SPDR SER TR BBG CONV SEC ETF 78464A359   258,737 3,542 SH   SOLE   0 0 3,542
SPDR SER TR PORTFLI TIPS ETF 78464A656   1,140,346 44,510 SH   SOLE   0 0 44,510
SPDR SER TR PORTFOLIO LN TSR 78464A664   2,070,924 74,120 SH   SOLE   0 0 74,120
SPDR SER TR PORTFOLIO S&P500 78464A854   36,886,007 599,480 SH   SOLE   0 0 599,480
SPDR SER TR PRTFLO S&P500 HI 78468R788   288,379 7,084 SH   SOLE   0 0 7,084
TESLA INC COM 88160R101   1,170,586 6,659 SH   SOLE   0 0 6,659
UNITEDHEALTH GROUP INC COM 91324P102   402,790 814 SH   SOLE   0 0 814
VANGUARD WORLD FD MEGA CAP INDEX 921910873   1,779,937 9,525 SH   SOLE   0 0 9,525
VERIZON COMMUNICATIONS INC COM 92343V104   203,284 4,845 SH   SOLE   0 0 4,845
WALMART INC COM 931142103   267,163 4,440 SH   SOLE   0 0 4,440
WELLS FARGO CO NEW COM 949746101   208,347 3,595 SH   SOLE   0 0 3,595