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
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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
APPLE INC COM 037833100   4,784,548 26,091 SH   SOLE 0 0 0 26,091
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   1,926,516 44,400 SH   SOLE 0 0 0 44,400
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   216,569 4,168 SH   SOLE 0 0 0 4,168
FORD MTR CO DEL COM 345370860   243,156 19,562 SH   SOLE 0 0 0 19,562
FRANKLIN TEMPLETON ETF TR US LOW VOLATILIT 35473P504   425,494 8,101 SH   SOLE 0 0 0 8,101
ISHARES INC MSCI EMRG CHN 46434G764   2,002,594 34,707 SH   SOLE 0 0 0 34,707
ISHARES INC CORE MSCI EMKT 46434G103   894,158 16,732 SH   SOLE 0 0 0 16,732
ISHARES TR CORE MSCI EAFE 46432F842   2,025,305 27,604 SH   SOLE 0 0 0 27,604
ISHARES TR MSCI USA VALUE 46432F388   452,220 4,458 SH   SOLE 0 0 0 4,458
ISHARES TR MSCI USA QLT FCT 46432F339   3,794,771 23,838 SH   SOLE 0 0 0 23,838
ISHARES TR TRS FLT RT BD 46434V860   1,295,982 25,663 SH   SOLE 0 0 0 25,663
ISHARES TR CORE TOTAL USD 46434V613   1,034,759 23,087 SH   SOLE 0 0 0 23,087
ISHARES TR US INFRASTRUC 46435U713   611,838 14,252 SH   SOLE 0 0 0 14,252
ISHARES TR ESG AWR MSCI USA 46435G425   3,566,789 31,733 SH   SOLE 0 0 0 31,733
ISHARES TR 7-10 YR TRSY BD 464287440   2,684,853 29,038 SH   SOLE 0 0 0 29,038
ISHARES TR 20 YR TR BD ETF 464287432   1,354,787 15,080 SH   SOLE 0 0 0 15,080
ISHARES TR S&P 100 ETF 464287101   2,407,176 9,876 SH   SOLE 0 0 0 9,876
ISHARES TR CORE S&P500 ETF 464287200   5,956,433 11,592 SH   SOLE 0 0 0 11,592
ISHARES TR RUS 1000 GRW ETF 464287614   244,979 739 SH   SOLE 0 0 0 739
ISHARES TR GLOBAL ENERG ETF 464287341   789,935 18,422 SH   SOLE 0 0 0 18,422
ISHARES TR GLOBAL TECH ETF 464287291   2,255,818 30,961 SH   SOLE 0 0 0 30,961
ISHARES TR U.S. TECH ETF 464287721   800,818 6,059 SH   SOLE 0 0 0 6,059
ISHARES TR EAFE VALUE ETF 464288877   7,368,622 135,043 SH   SOLE 0 0 0 135,043
ISHARES TR EAFE GRWTH ETF 464288885   5,602,549 55,394 SH   SOLE 0 0 0 55,394
ISHARES TR CORE S&P TTL STK 464287150   10,651,246 94,703 SH   SOLE 0 0 0 94,703
ISHARES TR NATIONAL MUN ETF 464288414   585,832 5,492 SH   SOLE 0 0 0 5,492
ISHARES TR JPMORGAN USD EMG 464288281   505,792 5,710 SH   SOLE 0 0 0 5,710
ISHARES TR CALIF MUN BD ETF 464288356   6,584,901 115,626 SH   SOLE 0 0 0 115,626
ISHARES TR SHRT NAT MUN ETF 464288158   2,019,463 19,325 SH   SOLE 0 0 0 19,325
ISHARES TR MSCI USA MIN VOL 46429B697   1,120,210 13,811 SH   SOLE 0 0 0 13,811
ISHARES TR US TREAS BD ETF 46429B267   804,863 36,044 SH   SOLE 0 0 0 36,044
LOCKHEED MARTIN CORP COM 539830109   753,375 1,631 SH   SOLE 0 0 0 1,631
MICROSOFT CORP COM 594918104   347,456 854 SH   SOLE 0 0 0 854
ORACLE CORP COM 68389X105   1,292,444 11,161 SH   SOLE 0 0 0 11,161
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   291,624 6,459 SH   SOLE 0 0 0 6,459
SELECT SECTOR SPDR TR ENERGY 81369Y506   210,967 2,279 SH   SOLE 0 0 0 2,279
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   655,402 17,417 SH   SOLE 0 0 0 17,417
SPDR S&P 500 ETF TR TR UNIT 78462F103   574,690 1,124 SH   SOLE 0 0 0 1,124
SPDR SER TR PORTFLI INTRMDIT 78464A672   757,579 27,310 SH   SOLE 0 0 0 27,310
TESLA INC COM 88160R101   434,856 2,400 SH   SOLE 0 0 0 2,400
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   9,516,592 133,379 SH   SOLE 0 0 0 133,379
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   21,884,149 46,564 SH   SOLE 0 0 0 46,564
VANGUARD INDEX FDS VALUE ETF 922908744   3,609,549 22,880 SH   SOLE 0 0 0 22,880
VANGUARD INDEX FDS GROWTH ETF 922908736   2,834,634 8,362 SH   SOLE 0 0 0 8,362
VANGUARD INDEX FDS TOTAL STK MKT 922908769   795,295 3,137 SH   SOLE 0 0 0 3,137
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,406,631 32,240 SH   SOLE 0 0 0 32,240
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   791,230 13,493 SH   SOLE 0 0 0 13,493
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   596,427 11,919 SH   SOLE 0 0 0 11,919
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   3,063,719 68,463 SH   SOLE 0 0 0 68,463
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   803,516 16,213 SH   SOLE 0 0 0 16,213