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
AMAZON COM INC COM 023135106   904,545 4,123 SH   SOLE   0 0 4,123
APPLE INC COM 037833100   999,144 3,990 SH   SOLE   0 0 3,990
AUTODESK INC COM 052769106   318,329 1,077 SH   SOLE   0 0 1,077
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   249,304 550 SH   SOLE   0 0 550
CAPITAL ONE FINL CORP COM 14040H105   1,664,847 9,336 SH   SOLE   0 0 9,336
CARPENTER TECHNOLOGY CORP COM 144285103   367,762 2,167 SH   SOLE   0 0 2,167
COSTCO WHSL CORP NEW COM 22160K105   257,695 281 SH   SOLE   0 0 281
EXXON MOBIL CORP COM 30231G102   3,970,409 36,910 SH   SOLE   0 0 36,910
ISHARES TR SELECT DIVID ETF 464287168   251,368 1,915 SH   SOLE   0 0 1,915
ISHARES TR CORE S&P500 ETF 464287200   666,112 1,132 SH   SOLE   0 0 1,132
ISHARES TR CORE US AGGBD ET 464287226   553,298 5,710 SH   SOLE   0 0 5,710
ISHARES TR RUSSELL 2000 ETF 464287655   243,056 1,100 SH   SOLE   0 0 1,100
ISHARES TR CALIF MUN BD ETF 464288356   334,802 5,845 SH   SOLE   0 0 5,845
ISHARES TR NATIONAL MUN ETF 464288414   335,206 3,146 SH   SOLE   0 0 3,146
ISHARES TR CORE MSCI TOTAL 46432F834   3,762,499 56,887 SH   SOLE   0 0 56,887
ISHARES TR CORE MSCI INTL 46435G326   609,048 9,447 SH   SOLE   0 0 9,447
LOWES COS INC COM 548661107   241,864 980 SH   SOLE   0 0 980
MICROSOFT CORP COM 594918104   671,827 1,594 SH   SOLE   0 0 1,594
NETFLIX INC COM 64110L106   330,680 371 SH   SOLE   0 0 371
NVIDIA CORPORATION COM 67066G104   21,136,360 157,393 SH   SOLE   0 0 157,393
ORACLE CORP COM 68389X105   678,858 4,074 SH   SOLE   0 0 4,074
SPDR S&P 500 ETF TR TR UNIT 78462F103   762,554 1,301 SH   SOLE   0 0 1,301
SCHWAB CHARLES CORP COM 808513105   222,030 3,000 SH   SOLE   0 0 3,000
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   206,367 6,214 SH   SOLE   0 0 6,214
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   662,707 35,822 SH   SOLE   0 0 35,822
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   532,631 2,697 SH   SOLE   0 0 2,697
UBER TECHNOLOGIES INC COM 90353T100   282,237 4,679 SH   SOLE   0 0 4,679
VANGUARD STAR FDS VG TL INTL STK F 921909768   21,306,111 361,549 SH   SOLE   0 0 361,549
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,147,869 42,123 SH   SOLE   0 0 42,123
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,627,577 59,888 SH   SOLE   0 0 59,888
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,212,580 44,675 SH   SOLE   0 0 44,675
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,514,867 136,237 SH   SOLE   0 0 136,237
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   448,365 3,514 SH   SOLE   0 0 3,514
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   4,220,586 86,047 SH   SOLE   0 0 86,047
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   964,048 8,206 SH   SOLE   0 0 8,206
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   396,380 6,904 SH   SOLE   0 0 6,904
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,729,461 61,977 SH   SOLE   0 0 61,977
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,962,820 98,999 SH   SOLE   0 0 98,999
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,890,467 3,509 SH   SOLE   0 0 3,509
VANGUARD INDEX FDS SM CP VAL ETF 922908611   572,381 2,888 SH   SOLE   0 0 2,888
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,726,805 6,403 SH   SOLE   0 0 6,403
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   307,835 1,620 SH   SOLE   0 0 1,620
VANGUARD INDEX FDS GROWTH ETF 922908736   12,341,564 30,069 SH   SOLE   0 0 30,069
VANGUARD INDEX FDS VALUE ETF 922908744   10,086,709 59,579 SH   SOLE   0 0 59,579
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,335,701 9,721 SH   SOLE   0 0 9,721
VANGUARD INDEX FDS TOTAL STK MKT 922908769   25,217,038 87,012 SH   SOLE   0 0 87,012