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
APPLE INC COM 037833100 BBG001S5N8V8 3,166,173 16,323 SH   SOLE   0 0 16,323
ARISTA NETWORKS INC COM 040413106 BBG001T51KQ0 373,386 2,304 SH   SOLE   0 0 2,304
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 210,298 7,330 SH   SOLE   0 0 7,330
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 BBG001SPJ625 2,302,226 75,310 SH   SOLE   0 0 75,310
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 1,035,620 2 SH   SOLE   0 0 2
CENTRAL VY CMNTY BANCORP COM 155685100 BBG001SGH967 160,093 10,362 SH   SOLE   0 0 10,362
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 637,980 1,185 SH   SOLE   0 0 1,185
DISNEY WALT CO COM 254687106 BBG001S5QHF3 308,463 3,455 SH   SOLE   0 0 3,455
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 303,625 2,831 SH   SOLE   0 0 2,831
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 BBG001T06LF6 1,496,542 76,785 SH   SOLE   0 0 76,785
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,889,954 5,116 SH   SOLE   0 0 5,116
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 255,823 7,030 SH   SOLE   0 0 7,030
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 212,016 6,703 SH   SOLE   0 0 6,703
ISHARES INC MSCI BRAZIL ETF 464286400 BBG001SFN5N1 390,782 12,050 SH   SOLE   0 0 12,050
ISHARES INC MSCI EM ASIA ETF 464286426 BBG002MYG936 374,547 5,700 SH   SOLE   0 0 5,700
ISHARES INC MSCI HONG KG ETF 464286871 BBG001S5VWX4 1,348,987 69,787 SH   SOLE   0 0 69,787
ISHARES INC MSCI PAC JP ETF 464286665 BBG001S89L03 1,840,354 43,569 SH   SOLE   0 0 43,569
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 1,945,656 19,935 SH   SOLE   0 0 19,935
ISHARES TR AGENCY BOND ETF 464288166 BBG001T2RRQ4 864,289 8,080 SH   SOLE   0 0 8,080
ISHARES TR CORE MSCI EURO 46434V738 BBG006MJ8984 883,922 16,795 SH   SOLE   0 0 16,795
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 334,892 5,348 SH   SOLE   0 0 5,348
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 4,090,404 41,760 SH   SOLE   0 0 41,760
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 875,770 17,035 SH   SOLE   0 0 17,035
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 496,800 6,812 SH   SOLE   0 0 6,812
ISHARES TR EXPANDED TECH 464287515 BBG001S7W2J1 1,267,760 3,665 SH   SOLE   0 0 3,665
ISHARES TR GL CLEAN ENE ETF 464288224 BBG001S7XDQ8 221,168 12,020 SH   SOLE   0 0 12,020
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 1,057,609 9,780 SH   SOLE   0 0 9,780
ISHARES TR ISHARES BIOTECH 464287556 BBG001SGYSW7 690,028 5,435 SH   SOLE   0 0 5,435
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 1,997,262 23,079 SH   SOLE   0 0 23,079
ISHARES TR LATN AMER 40 ETF 464287390 BBG001SJRVW2 959,240 35,305 SH   SOLE   0 0 35,305
ISHARES TR MSCI UK ETF NEW 46435G334 BBG001S8SYX8 3,227,637 99,772 SH   SOLE   0 0 99,772
ISHARES TR MSCI USA ESG SLC 464288802 BBG001SN86J4 547,137 5,843 SH   SOLE   0 0 5,843
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 1,998,699 64,620 SH   SOLE   0 0 64,620
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 219,700 1,392 SH   SOLE   0 0 1,392
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 224,414 2,360 SH   SOLE   0 0 2,360
ISHARES TR US HLTHCARE ETF 464287762 BBG001SFGXR4 297,068 1,060 SH   SOLE   0 0 1,060
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 2,095,853 41,800 SH   SOLE   0 0 41,800
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 719,171 2,506 SH   SOLE   0 0 2,506
MICROSOFT CORP COM 594918104 BBG001S5TD05 434,870 1,277 SH   SOLE   0 0 1,277
PLANET FITNESS INC CL A 72703H101 BBG009H04M26 582,344 8,635 SH   SOLE   0 0 8,635
PUBLIC STORAGE COM 74460D109 BBG001S5TH79 340,916 1,168 SH   SOLE   0 0 1,168
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 BBG00L5F9FV7 3,034,159 46,622 SH   SOLE   0 0 46,622
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 1,222,177 15,057 SH   SOLE   0 0 15,057
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 1,449,553 43,001 SH   SOLE   0 0 43,001
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 765,843 4,510 SH   SOLE   0 0 4,510
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 8,048,260 108,511 SH   SOLE   0 0 108,511
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 4,620,999 34,815 SH   SOLE   0 0 34,815
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 BBG001S7T232 6,154,160 57,344 SH   SOLE   0 0 57,344
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 BBG001S7TD56 1,205,145 18,416 SH   SOLE   0 0 18,416
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 BBG001S7R733 1,079,800 13,030 SH   SOLE   0 0 13,030
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 1,099,664 6,325 SH   SOLE   0 0 6,325
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 1,272,246 3,700 SH   SOLE   0 0 3,700
SPDR INDEX SHS FDS S&P CHINA ETF 78463X400 BBG001SRXRC8 243,073 3,295 SH   SOLE   0 0 3,295
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,436,227 3,240 SH   SOLE   0 0 3,240
SPDR SER TR BLOOMBERG HIGH Y 78468R622 BBG001SQS7X7 746,180 8,108 SH   SOLE   0 0 8,108
SPDR SER TR BLOOMBERG SHT TE 78468R408 BBG002QLYD04 3,248,678 131,525 SH   SOLE   0 0 131,525
SPDR SER TR ICE PFD SEC ETF 78464A292 BBG001T5L3N9 357,962 10,695 SH   SOLE   0 0 10,695
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,128,433 20,728 SH   SOLE   0 0 20,728
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 1,018,212 31,710 SH   SOLE   0 0 31,710
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 659,752 22,410 SH   SOLE   0 0 22,410
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 380,592 8,810 SH   SOLE   0 0 8,810
SPDR SER TR S&P BIOTECH 78464A870 BBG001SQDKG3 898,144 10,795 SH   SOLE   0 0 10,795
SPDR SER TR S&P SEMICNDCTR 78464A862 BBG001SQDKJ0 1,017,494 4,598 SH   SOLE   0 0 4,598
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 235,551 3,117 SH   SOLE   0 0 3,117
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 3,350,478 68,545 SH   SOLE   0 0 68,545
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 430,099 1,520 SH   SOLE   0 0 1,520
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 4,756,679 34,374 SH   SOLE   0 0 34,374
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 1,873,959 22,427 SH   SOLE   0 0 22,427
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 4,107,045 24,831 SH   SOLE   0 0 24,831
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 6,222,912 28,250 SH   SOLE   0 0 28,250
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 5,530,544 38,920 SH   SOLE   0 0 38,920
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 484,129 11,901 SH   SOLE   0 0 11,901
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 2,713,018 43,971 SH   SOLE   0 0 43,971
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 BBG001SHTV36 1,556,149 22,320 SH   SOLE   0 0 22,320
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 1,605,881 33,865 SH   SOLE   0 0 33,865
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 5,333,270 70,490 SH   SOLE   0 0 70,490
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 300,633 6,510 SH   SOLE   0 0 6,510
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 BBG001SHTV72 4,561,810 42,910 SH   SOLE   0 0 42,910
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 BBG001SHVTQ3 518,539 1,831 SH   SOLE   0 0 1,831
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 BBG001SHVR41 5,458,418 28,071 SH   SOLE   0 0 28,071
VANGUARD WORLD FDS ENERGY ETF 92204A306 BBG001SHTV45 1,414,288 12,528 SH   SOLE   0 0 12,528
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 BBG001SHTTM0 1,229,323 15,132 SH   SOLE   0 0 15,132
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 BBG001SHVR32 6,520,783 26,635 SH   SOLE   0 0 26,635
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 BBG001SHVTX5 5,365,779 26,107 SH   SOLE   0 0 26,107
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 1,922,074 4,347 SH   SOLE   0 0 4,347
VANGUARD WORLD FDS MATERIALS ETF 92204A801 BBG001SHTTP7 1,082,542 5,949 SH   SOLE   0 0 5,949
VANGUARD WORLD FDS UTILITIES ETF 92204A876 BBG001SHVTP4 1,275,408 8,971 SH   SOLE   0 0 8,971
WISDOMTREE TR EMER MKT HIGH FD 97717W315 BBG001SV1SY8 393,989 10,295 SH   SOLE   0 0 10,295
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 BBG001T6DPF6 3,614,158 44,145 SH   SOLE   0 0 44,145
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 BBG005YHYNG8 4,368,279 86,810 SH   SOLE   0 0 86,810
WISDOMTREE TR INDIA ERNGS FD 97717W422 BBG001T21LV9 661,722 19,015 SH   SOLE   0 0 19,015
WISDOMTREE TR INTL SMCAP DIV 97717W760 BBG001SHLB38 2,291,888 38,545 SH   SOLE   0 0 38,545
WISDOMTREE TR JAPN HEDGE EQT 97717W851 BBG001SHL470 5,571,526 66,925 SH   SOLE   0 0 66,925
WISDOMTREE TR US HGH YLD CORP 97717X172 BBG00CSKF0K9 224,290 5,080 SH   SOLE   0 0 5,080
WISDOMTREE TR US LARGECAP DIVD 97717W307 BBG001SHL7K8 411,492 6,470 SH   SOLE   0 0 6,470
WISDOMTREE TR US SMALLCAP DIVD 97717W604 BBG001SHKFX7 1,168,443 40,585 SH   SOLE   0 0 40,585
WISDOMTREE TR US TOTAL DIVIDND 97717W109 BBG001SHKFZ5 1,290,851 20,790 SH   SOLE   0 0 20,790
WISDOMTREE TR YIELD ENHANCD US 97717X511 BBG009KCY2C6 1,939,698 45,015 SH   SOLE   0 0 45,015