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
ABBOTT LABORATORIES COM 002824100 BBG001S5N9M6 338,195 3,294 SH   SOLE   0 0 3,294
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 2,941,202 10,228 SH   SOLE   0 0 10,228
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 3,443,181 12,003 SH   SOLE   0 0 12,003
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,543,810 12,214 SH   SOLE   0 0 12,214
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 212,341 702 SH   SOLE   0 0 702
AMERICAN TOWER CORP COM 03027X100 BBG001S5NPQ6 322,379 1,868 SH   SOLE   0 0 1,868
APPLE INC COM 037833100 BBG001S5N8V8 8,030,650 31,643 SH   SOLE   0 0 31,643
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 348,284 1,019 SH   SOLE   0 0 1,019
ARES CAPITAL CORP COM 04010L103 BBG001SL96Z9 296,916 16,477 SH   SOLE   0 0 16,477
ASCENT INDUSTRIES CO COM 871565107 BBG001S6Z1R3 219,096 16,461 SH   SOLE   0 0 16,461
ASML HLDG NV N Y REGISTRY SHS N07059210 BBG001SCG0R3 1,035,531 784 SH   SOLE   0 0 784
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 415,503 2,045 SH   SOLE   0 0 2,045
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 596,125 1,244 SH   SOLE   0 0 1,244
BLACKROCK INC COM 09290D101 BBG01PSW2WR0 365,450 380 SH   SOLE   0 0 380
BROADCOM INC COM 11135F101 BBG00KHY5SY8 662,661 2,141 SH   SOLE   0 0 2,141
BROOKFIELD CORP CL A LTD VT SH 11271J107 BBG001SF86D7 273,173 6,750 SH   SOLE   0 0 6,750
CHURCH & DWIGHT CO INC COM 171340102 BBG001S5PR99 347,990 3,729 SH   SOLE   0 0 3,729
CISCO SYS INC COM 17275R102 BBG001S6HC62 426,853 5,501 SH   SOLE   0 0 5,501
CORNING INC COM 219350105 BBG001S5RLH1 444,622 3,270 SH   SOLE   0 0 3,270
COSTCO WHOLESALE CORPORATION COM 22160K105 BBG001S9KRQ7 1,338,205 1,343 SH   SOLE   0 0 1,343
CTO RLTY GROWTH INC NEW COM 22948Q101 BBG00Y3M1H68 244,530 13,225 SH   SOLE   0 0 13,225
EDWARDS LIFESCIENCES CORP COM 28176E108 BBG001SF2288 768,608 9,598 SH   SOLE   0 0 9,598
ELI LILLY & CO COM 532457108 BBG001S5STL8 781,805 850 SH   SOLE   0 0 850
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 529,170 3,119 SH   SOLE   0 0 3,119
FEDEX CORP COM 31428X106 BBG001S5R3M5 216,557 608 SH   SOLE   0 0 608
FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827 BBG00J3N6MY2 227,767 4,654 SH   SOLE   0 0 4,654
FRANKLIN TEMPLETON ETF TR MUNICIPAL GRN BD 35473P850 BBG00HLJ9Y85 200,493 8,489 SH   SOLE   0 0 8,489
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 212,400 1,524 SH   SOLE   0 0 1,524
HA SUSTAINABLE INFRA CAP INC COM 41068X100 BBG0044K5DN3 522,034 14,205 SH   SOLE   0 0 14,205
HOME DEPOT INC COM 437076102 BBG001S5RTW7 658,109 2,001 SH   SOLE   0 0 2,001
ILLINOIS TOOL WKS INC COM 452308109 BBG001S5SDX0 298,032 1,145 SH   SOLE   0 0 1,145
INTERCONTINENTAL EXCHANGE IN COM 45866F104 BBG001SDJ4R0 242,054 1,539 SH   SOLE   0 0 1,539
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 568,992 2,347 SH   SOLE   0 0 2,347
INTUIT COM 461202103 BBG001S6TWR2 252,942 585 SH   SOLE   0 0 585
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 1,127,090 16,159 SH   SOLE   0 0 16,159
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 217,892 4,792 SH   SOLE   0 0 4,792
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 840,789 14,787 SH   SOLE   0 0 14,787
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 16,557,573 330,887 SH   SOLE   0 0 330,887
ISHARES TR CORE MSCI INTL 46435G326 BBG00G9DM0M7 230,570 2,759 SH   SOLE   0 0 2,759
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 399,170 5,911 SH   SOLE   0 0 5,911
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 207,695 2,031 SH   SOLE   0 0 2,031
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,137,303 3,272 SH   SOLE   0 0 3,272
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 216,635 3,660 SH   SOLE   0 0 3,660
ISHARES TR EGSADVNCDMSCI EM 46436E742 BBG00XR16C66 4,180,161 87,375 SH   SOLE   0 0 87,375
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 1,790,485 18,725 SH   SOLE   0 0 18,725
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 1,350,993 28,732 SH   SOLE   0 0 28,732
ISHARES TR ESG EAFE ETF 46436E759 BBG00VHK1HS9 8,037,201 106,524 SH   SOLE   0 0 106,524
ISHARES TR ESG MSCI EM LDRS 46436E601 BBG00RMS4GK2 934,653 16,125 SH   SOLE   0 0 16,125
ISHARES TR ESG MSCI LEADR 46435U218 BBG00P35VT10 1,762,317 15,513 SH   SOLE   0 0 15,513
ISHARES TR ESG MSCI USA ETF 46436E767 BBG00VHK2B74 1,926,332 34,897 SH   SOLE   0 0 34,897
ISHARES TR ESG SELECT SCRE 46436E551 BBG00XDJF7W4 894,662 19,719 SH   SOLE   0 0 19,719
ISHARES TR MSCI UK ETF NEW 46435G334 BBG001S8SYX8 262,426 5,760 SH   SOLE   0 0 5,760
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 689,763 6,498 SH   SOLE   0 0 6,498
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 392,288 920 SH   SOLE   0 0 920
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 231,405 1,083 SH   SOLE   0 0 1,083
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 589,736 4,603 SH   SOLE   0 0 4,603
ISHARES TR USD GRN BOND ETF 46435U440 BBG00MK1NQ85 252,976 5,329 SH   SOLE   0 0 5,329
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 403,815 1,652 SH   SOLE   0 0 1,652
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 678,921 2,308 SH   SOLE   0 0 2,308
KLA CORP COM NEW 482480100 BBG001S5SLM4 226,751 154 SH   SOLE   0 0 154
LOWES COS INC COM 548661107 BBG001S5SVL3 267,233 1,131 SH   SOLE   0 0 1,131
MARKEL GROUP INC COM 570535104 BBG001S9ZK95 2,486,377 1,299 SH   SOLE   0 0 1,299
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 877,403 1,756 SH   SOLE   0 0 1,756
MCDONALDS CORP COM 580135101 BBG001S5T110 298,980 962 SH   SOLE   0 0 962
MERCK & CO INC COM 58933Y105 BBG001S5TC52 433,285 3,602 SH   SOLE   0 0 3,602
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 561,260 981 SH   SOLE   0 0 981
MICRON TECHNOLOGY INC COM 595112103 BBG001S6P675 210,136 622 SH   SOLE   0 0 622
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,275,088 8,848 SH   SOLE   0 0 8,848
MOODYS CORP COM 615369105 BBG001S5VP87 338,094 775 SH   SOLE   0 0 775
MOTOROLA SOLUTIONS INC COM NEW 620076307 BBG001S5T9L1 792,863 1,827 SH   SOLE   0 0 1,827
NETFLIX INC. COM 64110L106 BBG001SF6L46 367,485 3,822 SH   SOLE   0 0 3,822
NUCOR CORP COM 670346105 BBG001S5TRV0 214,081 1,266 SH   SOLE   0 0 1,266
NUSHARES ETF TR ESG LARGE CAP 67092P862 BBG00PBDJZK3 629,111 13,593 SH   SOLE   0 0 13,593
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 BBG00FJ5HWZ7 331,642 7,360 SH   SOLE   0 0 7,360
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,819,353 10,432 SH   SOLE   0 0 10,432
ORACLE CORP COM 68389X105 BBG001S5SJG6 432,209 2,938 SH   SOLE   0 0 2,938
PEPSICO INC COM 713448108 BBG001S695T1 433,880 2,794 SH   SOLE   0 0 2,794
PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 229,315 1,102 SH   SOLE   0 0 1,102
PROCTER & GAMBLE CO COM 742718109 BBG001S5V4L9 210,305 1,456 SH   SOLE   0 0 1,456
QUANTA SVCS INC COM 74762E102 BBG001S5VH85 292,079 532 SH   SOLE   0 0 532
REGENERON PHARMACEUTICALS COM 75886F107 BBG001S6PX49 217,884 282 SH   SOLE   0 0 282
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 1,367,498 41,502 SH   SOLE   0 0 41,502
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 BBG0051K49J8 596,995 12,201 SH   SOLE   0 0 12,201
SCHWAB STRATEGIC TR FUNDAMENTAL US B 808524789 BBG0051GPYJ9 1,351,242 49,678 SH   SOLE   0 0 49,678
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 BBG0051J0PJ9 1,384,256 49,704 SH   SOLE   0 0 49,704
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 560,810 22,659 SH   SOLE   0 0 22,659
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 926,617 39,906 SH   SOLE   0 0 39,906
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 2,545,115 101,399 SH   SOLE   0 0 101,399
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 4,059,402 158,323 SH   SOLE   0 0 158,323
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 2,776,473 89,679 SH   SOLE   0 0 89,679
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 317,601 14,779 SH   SOLE   0 0 14,779
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 4,895,021 168,329 SH   SOLE   0 0 168,329
SPDR INDEX SHS FDS STATE STREET SPD 78470E106 BBG00F161GP7 2,840,195 57,071 SH   SOLE   0 0 57,071
SPDR INDEX SHS FDS STATE STREET SPD 78463X509 BBG001SRXRD7 8,379,910 178,638 SH   SOLE   0 0 178,638
SPDR INDEX SHS FDS STATE STREET SPD 78463X889 BBG001SRXRJ1 19,559,609 428,469 SH   SOLE   0 0 428,469
SPDR SERIES TRUST STATE STREET SPD 78468R853 BBG004T58LZ5 1,326,627 27,455 SH   SOLE   0 0 27,455
SPDR SERIES TRUST STATE STREET SPD 78464A805 BBG001SG6843 5,424,444 68,612 SH   SOLE   0 0 68,612
SPDR SERIES TRUST STATE STREET SPD 78464A854 BBG001SPTB87 7,748,331 101,232 SH   SOLE   0 0 101,232
SPDR SERIES TRUST STATE STREET SPD 78464A847 BBG001SPT9T9 400,876 6,769 SH   SOLE   0 0 6,769
SPDR SERIES TRUST STATE STREET SPD 78464A649 BBG001STKD11 8,494,196 331,546 SH   SOLE   0 0 331,546
SPDR SERIES TRUST STATE STREET SPD 78464A763 BBG001SPTBP8 474,597 3,252 SH   SOLE   0 0 3,252
SPDR SERIES TRUST STATE STREET SPD 78468R812 BBG008HB6477 271,363 1,581 SH   SOLE   0 0 1,581
SPDR SERIES TRUST STATE STREET SPD 78468R796 BBG00BKMB118 611,807 11,537 SH   SOLE   0 0 11,537
STRYKER CORPORATION COM 863667101 BBG001S8FR03 551,374 1,678 SH   SOLE   0 0 1,678
TCW ETF TRUST TRANSFRM 500 ETF 29287L106 BBG011KFPMT3 6,393,451 83,794 SH   SOLE   0 0 83,794
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 312,954 1,612 SH   SOLE   0 0 1,612
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 440,411 896 SH   SOLE   0 0 896
TORTOISE ENERGY INFRSTRCTR C COM 89147L886 BBG001SJTT37 284,943 5,716 SH   SOLE   0 0 5,716
UNION PAC CORP COM 907818108 BBG001S5X2M0 204,286 842 SH   SOLE   0 0 842
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 296,567 1,096 SH   SOLE   0 0 1,096
US BANCORP COM NEW 902973304 BBG001S6T8C1 214,541 4,125 SH   SOLE   0 0 4,125
VANECK ETF TRUST GREEN BOND ETF 92189F171 BBG00G4XX4B0 396,066 16,531 SH   SOLE   0 0 16,531
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 11,526,683 156,527 SH   SOLE   0 0 156,527
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 BBG01L82WF19 1,188,068 11,991 SH   SOLE   0 0 11,991
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 5,046,151 105,019 SH   SOLE   0 0 105,019
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 3,380,265 16,425 SH   SOLE   0 0 16,425
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 837,079 2,801 SH   SOLE   0 0 2,801
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 626,340 2,181 SH   SOLE   0 0 2,181
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 2,931,054 4,905 SH   SOLE   0 0 4,905
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 358,568 1,369 SH   SOLE   0 0 1,369
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 4,281,419 13,346 SH   SOLE   0 0 13,346
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 3,952,663 52,632 SH   SOLE   0 0 52,632
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 3,665,918 67,825 SH   SOLE   0 0 67,825
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 201,256 1,455 SH   SOLE   0 0 1,455
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 4,525,771 90,715 SH   SOLE   0 0 90,715
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 564,533 2,625 SH   SOLE   0 0 2,625
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 11,706,125 182,680 SH   SOLE   0 0 182,680
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 1,332,456 8,997 SH   SOLE   0 0 8,997
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 845,697 11,790 SH   SOLE   0 0 11,790
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 1,584,691 14,115 SH   SOLE   0 0 14,115
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 BBG001SHVR32 553,217 2,031 SH   SOLE   0 0 2,031
VISA INC COM CL A 92826C839 BBG001SRCFY3 826,929 2,736 SH   SOLE   0 0 2,736
WALMART INC COM 931142103 BBG001S5XH92 367,247 2,955 SH   SOLE   0 0 2,955
WELLTOWER INC COM 95040Q104 BBG001S5RTQ4 368,729 1,865 SH   SOLE   0 0 1,865