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
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108   1,023,138 48,125 SH   SOLE   0 0 48,125
AFFIRM HLDGS INC COM CL A 00827B106   208,999 9,826 SH   SOLE   0 0 9,826
ALPHABET INC CAP STK CL C 02079K107   1,685,495 12,783 SH   SOLE   0 0 12,783
ALPHABET INC CAP STK CL A 02079K305   1,521,160 11,624 SH   SOLE   0 0 11,624
AMAZON COM INC COM 023135106   1,598,705 12,576 SH   SOLE   0 0 12,576
APPLE INC COM 037833100   2,723,655 15,908 SH   SOLE   0 0 15,908
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   405,297 1,157 SH   SOLE   0 0 1,157
BOX INC CL A 10316T104   603,168 24,914 SH   SOLE   0 0 24,914
EATON VANCE CALIF MUN BD FD COM 27828A100   1,070,297 131,810 SH   SOLE   0 0 131,810
ISHARES GOLD TR ISHARES NEW 464285204   943,155 26,955 SH   SOLE   0 0 26,955
ISHARES INC MSCI EMRG CHN 46434G764   204,104 4,096 SH   SOLE   0 0 4,096
ISHARES TR GNMA BOND ETF 46429B333   2,003,978 48,115 SH   SOLE   0 0 48,115
ISHARES TR NATIONAL MUN ETF 464288414   5,219,389 50,901 SH   SOLE   0 0 50,901
ISHARES TR CALIF MUN BD ETF 464288356   10,553,257 192,588 SH   SOLE   0 0 192,588
ISHARES TR MSCI KLD400 SOC 464288570   204,339 2,510 SH   SOLE   0 0 2,510
ISHARES TR NEW YORK MUN ETF 464288323   1,330,250 26,068 SH   SOLE   0 0 26,068
ISHARES TR RUS 1000 VAL ETF 464287598   1,521,388 10,021 SH   SOLE   0 0 10,021
META PLATFORMS INC CL A 30303M102   242,870 809 SH   SOLE   0 0 809
MICROSOFT CORP COM 594918104   267,941 849 SH   SOLE   0 0 849
NUVEEN AMT FREE QLTY MUN INC COM 670657105   622,424 64,300 SH   SOLE   0 0 64,300
NUVEEN CALIFORNIA AMT QLT MU COM 670651108   906,984 88,400 SH   SOLE   0 0 88,400
PIMCO ETF TR INV GRD CRP BD 72201R817   2,565,575 28,156 SH   SOLE   0 0 28,156
SCHWAB STRATEGIC TR MUN BD ETF 808524649   4,216,850 85,060 SH   SOLE   0 0 85,060
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   345,471 8,341 SH   SOLE   0 0 8,341
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   34,466,005 690,115 SH   SOLE   0 0 690,115
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,713,513 23,796 SH   SOLE   0 0 23,796
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,207,736 133,991 SH   SOLE   0 0 133,991
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   12,344,025 363,487 SH   SOLE   0 0 363,487
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,810,242 37,800 SH   SOLE   0 0 37,800
SCHWAB STRATEGIC TR US TIPS ETF 808524870   912,607 18,075 SH   SOLE   0 0 18,075
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   3,924,848 81,990 SH   SOLE   0 0 81,990
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   409,745 17,815 SH   SOLE   0 0 17,815
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   9,159,905 207,097 SH   SOLE   0 0 207,097
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   338,848 5,750 SH   SOLE   0 0 5,750
SPDR S&P 500 ETF TR TR UNIT 78462F103   809,090 1,893 SH   SOLE   0 0 1,893
TESLA INC COM 88160R101   466,918 1,866 SH   SOLE   0 0 1,866
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,501,596 21,519 SH   SOLE   0 0 21,519
VANGUARD INDEX FDS GROWTH ETF 922908736   608,885 2,236 SH   SOLE   0 0 2,236
VANGUARD INDEX FDS TOTAL STK MKT 922908769   789,316 3,716 SH   SOLE   0 0 3,716
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,743,195 4,439 SH   SOLE   0 0 4,439
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   5,251,811 56,362 SH   SOLE   0 0 56,362
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,036,420 102,868 SH   SOLE   0 0 102,868
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,818,614 35,061 SH   SOLE   0 0 35,061
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   347,274 2,240 SH   SOLE   0 0 2,240
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   15,807,042 361,305 SH   SOLE   0 0 361,305
VANGUARD WORLD FDS INF TECH ETF 92204A702   222,571 536 SH   SOLE   0 0 536
VANGUARD WORLD FDS ENERGY ETF 92204A306   249,298 1,967 SH   SOLE   0 0 1,967
WORLD GOLD TR SPDR GLD MINIS 98149E303   268,901 7,335 SH   SOLE   0 0 7,335