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
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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
ISHARES TR MSCI ACWI ETF 464288257   36,807,756 403,771 SH   SOLE   0 0 403,771
AFFIRM HLDGS INC COM CL A 00827B106   25,564,721 2,268,387 SH   SOLE   0 0 2,268,387
SPDR S&P 500 ETF TR TR UNIT 78462F103   13,162,657 32,034 SH   SOLE   0 0 32,034
COINBASE GLOBAL INC COM CL A 19260Q107   10,123,067 149,816 SH   SOLE   0 0 149,816
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   7,965,325 86,495 SH   SOLE   0 0 86,495
ISHARES TR MSCI EMG MKT ETF 464287234   7,709,774 195,382 SH   SOLE   0 0 195,382
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   7,483,344 147,339 SH   SOLE   0 0 147,339
SPDR GOLD TR GOLD SHS 78463V107   6,220,502 33,951 SH   SOLE   0 0 33,951
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   6,190,999 37,631 SH   SOLE   0 0 37,631
ISHARES GOLD TR ISHARES NEW 464285204   6,111,789 163,548 SH   SOLE   0 0 163,548
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,519,296 136,616 SH   SOLE   0 0 136,616
ISHARES TR RUS MID CAP ETF 464287499   5,102,952 72,983 SH   SOLE   0 0 72,983
GITLAB INC CLASS A COM 37637K108   4,407,362 128,532 SH   SOLE   0 0 128,532
ISHARES TR RUS 1000 GRW ETF 464287614   4,053,435 16,590 SH   SOLE   0 0 16,590
APPLE INC COM 037833100   3,309,981 20,073 SH   SOLE   0 0 20,073
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,766,947 27,879 SH   SOLE   0 0 27,879
ORACLE CORP COM 68389X105   2,576,393 27,727 SH   SOLE   0 0 27,727
META PLATFORMS INC CL A 30303M102   2,492,414 11,760 SH   SOLE   0 0 11,760
MICROSOFT CORP COM 594918104   2,363,753 8,199 SH   SOLE   0 0 8,199
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,353,176 6,257 SH   SOLE   0 0 6,257
INVESCO QQQ TR UNIT SER 1 46090E103   2,267,370 7,056 SH   SOLE   0 0 7,056
RAYTHEON TECHNOLOGIES CORP COM 75513E101   2,020,002 20,627 SH   SOLE   0 0 20,627
DISNEY WALT CO COM 254687106   1,974,263 19,717 SH   SOLE   0 0 19,717
ALPHABET INC CAP STK CL A 02079K305   1,926,681 18,574 SH   SOLE   0 0 18,574
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,859,413 6,022 SH   SOLE   0 0 6,022
DOCUSIGN INC COM 256163106   1,712,971 29,382 SH   SOLE   0 0 29,382
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,712,474 10,923 SH   SOLE   0 0 10,923
UNILEVER PLC SPON ADR NEW 904767704   1,602,352 30,856 SH   SOLE   0 0 30,856
HOME DEPOT INC COM 437076102   1,515,441 5,135 SH   SOLE   0 0 5,135
NOVO-NORDISK A S ADR 670100205   1,467,254 9,152 SH   SOLE   0 0 9,152
NIKE INC CL B 654106103   1,459,659 11,869 SH   SOLE   0 0 11,869
STARBUCKS CORP COM 855244109   1,363,895 13,098 SH   SOLE   0 0 13,098
ISHARES TR MSCI EAFE ETF 464287465   1,351,728 18,900 SH   SOLE   0 0 18,900
MEDTRONIC PLC SHS G5960L103   1,265,909 15,571 SH   SOLE   0 0 15,571
GENERAL DYNAMICS CORP COM 369550108   1,183,269 5,185 SH   SOLE   0 0 5,185
C H ROBINSON WORLDWIDE INC COM NEW 12541W209   1,180,230 11,804 SH   SOLE   0 0 11,804
ADOBE SYSTEMS INCORPORATED COM 00724F101   1,174,608 3,048 SH   SOLE   0 0 3,048
VISA INC COM CL A 92826C839   1,140,602 5,059 SH   SOLE   0 0 5,059
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,130,379 3,955 SH   SOLE   0 0 3,955
GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100   1,108,957 833,802 SH   SOLE   0 0 833,802
JOHNSON & JOHNSON COM 478160104   1,094,920 7,064 SH   SOLE   0 0 7,064
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,007,552 18,200 SH   SOLE   0 0 18,200
BIOGEN INC COM 09062X103   980,056 3,525 SH   SOLE   0 0 3,525
CISCO SYS INC COM 17275R102   978,580 18,720 SH   SOLE   0 0 18,720
WALMART INC COM 931142103   956,949 6,465 SH   SOLE   0 0 6,465
PALO ALTO NETWORKS INC COM 697435105   939,976 4,706 SH   SOLE   0 0 4,706
INTERNATIONAL FLAVORS&FRAGRA COM 459506101   933,359 10,061 SH   SOLE   0 0 10,061
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   918,420 20,845 SH   SOLE   0 0 20,845
BECTON DICKINSON & CO COM 075887109   833,715 3,368 SH   SOLE   0 0 3,368
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   673,777 14,916 SH   SOLE   0 0 14,916
PROCTER AND GAMBLE CO COM 742718109   663,901 4,465 SH   SOLE   0 0 4,465
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   658,105 10,801 SH   SOLE   0 0 10,801
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   621,267 4,634 SH   SOLE   0 0 4,634
NVIDIA CORPORATION COM 67066G104   600,539 2,162 SH   SOLE   0 0 2,162
PEPSICO INC COM 713448108   573,151 3,144 SH   SOLE   0 0 3,144
ALPHABET INC CAP STK CL C 02079K107   547,040 5,260 SH   SOLE   0 0 5,260
VANGUARD INDEX FDS TOTAL STK MKT 922908769   541,273 2,652 SH   SOLE   0 0 2,652
3M CO COM 88579Y101   423,698 4,031 SH   SOLE   0 0 4,031
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   416,029 11,955 SH   SOLE   0 0 11,955
ISHARES TR CORE US AGGBD ET 464287226   383,614 3,850 SH   SOLE   0 0 3,850
WORKDAY INC CL A 98138H101   382,512 1,852 SH   SOLE   0 0 1,852
AMAZON COM INC COM 023135106   366,783 3,551 SH   SOLE   0 0 3,551
PALANTIR TECHNOLOGIES INC CL A 69608A108   365,217 43,221 SH   SOLE   0 0 43,221
THERMO FISHER SCIENTIFIC INC COM 883556102   361,027 626 SH   SOLE   0 0 626
VANGUARD INDEX FDS LARGE CAP ETF 922908637   339,060 1,815 SH   SOLE   0 0 1,815
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   337,031 6,889 SH   SOLE   0 0 6,889
INTUIT COM 461202103   333,035 747 SH   SOLE   0 0 747
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   328,523 10,594 SH   SOLE   0 0 10,594
ISHARES TR COHEN STEER REIT 464287564   323,354 5,822 SH   SOLE   0 0 5,822
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   297,294 6,213 SH   SOLE   0 0 6,213
WISDOMTREE TR EMER MKT HIGH FD 97717W315   290,807 7,681 SH   SOLE   0 0 7,681
COSTCO WHSL CORP NEW COM 22160K105   285,203 574 SH   SOLE   0 0 574
COCA COLA CO COM 191216100   285,143 4,577 SH   SOLE   0 0 4,577
ISHARES TR CALIF MUN BD ETF 464288356   282,921 4,927 SH   SOLE   0 0 4,927
JPMORGAN CHASE & CO COM 46625H100   265,832 2,040 SH   SOLE   0 0 2,040
ISHARES TR RUS 2000 VAL ETF 464287630   245,241 1,790 SH   SOLE   0 0 1,790
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727   238,693 13,001 SH   SOLE   0 0 13,001
BANK AMERICA CORP COM 060505104   237,380 8,300 SH   SOLE   0 0 8,300
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   235,246 3,467 SH   SOLE   0 0 3,467
VANGUARD INDEX FDS MID CAP ETF 922908629   235,176 1,115 SH   SOLE   0 0 1,115
ISHARES TR TIPS BD ETF 464287176   227,446 2,063 SH   SOLE   0 0 2,063
DANAHER CORPORATION COM 235851102   220,519 874 SH   SOLE   0 0 874
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   217,561 11,343 SH   SOLE   0 0 11,343
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   212,161 2,011 SH   SOLE   0 0 2,011
SALESFORCE INC COM 79466L302   210,968 1,056 SH   SOLE   0 0 1,056
GOLDMAN SACHS GROUP INC COM 38141G104   210,659 644 SH   SOLE   0 0 644
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   207,168 2,708 SH   SOLE   0 0 2,708
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   203,837 6,231 SH   SOLE   0 0 6,231
ISHARES TR SHORT TREAS BD 464288679   201,331 1,822 SH   SOLE   0 0 1,822
AIRBNB INC COM CL A 009066101   200,284 1,610 SH   SOLE   0 0 1,610
WEAVE COMMUNICATIONS INC COM 94724R108   155,919 31,372 SH   SOLE   0 0 31,372
TILRAY BRANDS INC COM 88688T100   35,420 14,000 SH   SOLE   0 0 14,000