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   1,422,743 58,254 SH   SOLE   0 0 58,254
AFFIRM HLDGS INC COM CL A 00827B106   409,674 10,995 SH   SOLE   0 0 10,995
ALPHABET INC CAP STK CL A 02079K305   1,878,222 12,444 SH   SOLE   0 0 12,444
ALPHABET INC CAP STK CL C 02079K107   1,605,647 10,545 SH   SOLE   0 0 10,545
AMAZON COM INC COM 023135106   2,227,394 12,348 SH   SOLE   0 0 12,348
APPLE INC COM 037833100   2,633,257 15,356 SH   SOLE   0 0 15,356
ARROWHEAD PHARMACEUTICALS IN COM 04280A100   529,014 18,497 SH   SOLE   0 0 18,497
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   486,542 1,157 SH   SOLE   0 0 1,157
BOX INC CL A 10316T104   578,379 20,423 SH   SOLE   0 0 20,423
EATON VANCE CALIF MUN BD FD COM 27828A100   1,198,355 126,810 SH   SOLE   0 0 126,810
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   208,908 8,400 SH   SOLE   0 0 8,400
ISHARES GOLD TR ISHARES NEW 464285204   1,125,238 26,785 SH   SOLE   0 0 26,785
ISHARES TR MSCI KLD400 SOC 464288570   318,560 3,160 SH   SOLE   0 0 3,160
ISHARES TR NEW YORK MUN ETF 464288323   3,593,001 58,272 SH   SOLE   0 0 58,272
ISHARES TR GNMA BOND ETF 46429B333   2,480,328 57,164 SH   SOLE   0 0 57,164
ISHARES TR CORE S&P500 ETF 464287200   205,317 391 SH   SOLE   0 0 391
ISHARES TR CALIF MUN BD ETF 464288356   11,847,039 206,092 SH   SOLE   0 0 206,092
ISHARES TR RUS 1000 VAL ETF 464287598   1,746,681 9,752 SH   SOLE   0 0 9,752
ISHARES TR NATIONAL MUN ETF 464288414   3,314,403 34,803 SH   SOLE   0 0 34,803
META PLATFORMS INC CL A 30303M102   482,290 993 SH   SOLE   0 0 993
MICROSOFT CORP COM 594918104   392,535 933 SH   SOLE   0 0 933
NUVEEN AMT FREE QLTY MUN INC COM 670657105   625,455 56,500 SH   SOLE   0 0 56,500
NUVEEN CALIFORNIA AMT QLT MU COM 670651108   942,840 77,600 SH   SOLE   0 0 77,600
NVIDIA CORPORATION COM 67066G104   212,337 235 SH   SOLE   0 0 235
PIMCO ETF TR INV GRD CRP BD 72201R817   3,484,598 36,279 SH   SOLE   0 0 36,279
PROCTER AND GAMBLE CO COM 742718109   239,074 1,473 SH   SOLE   0 0 1,473
SCHWAB STRATEGIC TR MUN BD ETF 808524649   4,502,325 86,500 SH   SOLE   0 0 86,500
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   486,032 9,871 SH   SOLE   0 0 9,871
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   45,972,172 753,025 SH   SOLE   0 0 753,025
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,891,728 23,462 SH   SOLE   0 0 23,462
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,130,386 123,976 SH   SOLE   0 0 123,976
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   13,619,079 349,028 SH   SOLE   0 0 349,028
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   964,489 20,006 SH   SOLE   0 0 20,006
SCHWAB STRATEGIC TR US TIPS ETF 808524870   949,886 18,211 SH   SOLE   0 0 18,211
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   4,659,198 95,089 SH   SOLE   0 0 95,089
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   623,264 8,203 SH   SOLE   0 0 8,203
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   442,794 18,252 SH   SOLE   0 0 18,252
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   10,253,094 222,893 SH   SOLE   0 0 222,893
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   212,917 5,055 SH   SOLE   0 0 5,055
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   449,703 6,850 SH   SOLE   0 0 6,850
SPDR S&P 500 ETF TR TR UNIT 78462F103   910,665 1,741 SH   SOLE   0 0 1,741
SPDR SER TR NUVEEN BLMBRG SH 78468R739   227,712 4,800 SH   SOLE   0 0 4,800
TESLA INC COM 88160R101   475,688 2,706 SH   SOLE   0 0 2,706
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   385,956 5,314 SH   SOLE   0 0 5,314
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,213,143 4,604 SH   SOLE   0 0 4,604
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,051,036 4,044 SH   SOLE   0 0 4,044
VANGUARD INDEX FDS GROWTH ETF 922908736   769,631 2,236 SH   SOLE   0 0 2,236
VANGUARD INDEX FDS MID CAP ETF 922908629   237,367 950 SH   SOLE   0 0 950
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,106,736 98,318 SH   SOLE   0 0 98,318
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   6,107,556 55,272 SH   SOLE   0 0 55,272
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,145,593 36,583 SH   SOLE   0 0 36,583
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   407,951 2,234 SH   SOLE   0 0 2,234
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   17,966,565 358,114 SH   SOLE   0 0 358,114
VANGUARD WORLD FD ENERGY ETF 92204A306   330,172 2,507 SH   SOLE   0 0 2,507
VANGUARD WORLD FD INF TECH ETF 92204A702   232,807 444 SH   SOLE   0 0 444
WORLD GOLD TR SPDR GLD MINIS 98149E303   569,346 12,925 SH   SOLE   0 0 12,925