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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
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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
ABBOTT LABORATORIES COM 002824100   422,502 4,656 SH   SOLE   0 0 4,656
ABBVIE INC COM 00287Y109   979,572 3,893 SH   SOLE   0 0 3,893
ADVANCED MICRO DEVICES INC COM 007903107   1,144,974 1,971 SH   SOLE   0 0 1,971
AGILENT TECHNOLOGIES INC COM 00846U101   412,305 3,104 SH   SOLE   0 0 3,104
AMAZON COM INC COM 023135106   3,107,757 13,039 SH   SOLE   0 0 13,039
AMERICAN ELEC PWR CO INC COM 025537101   669,642 4,895 SH   SOLE   0 0 4,895
AMERICAN WTR WKS CO INC NEW COM 030420103   447,741 3,403 SH   SOLE   0 0 3,403
AMGEN INC COM 031162100   389,726 1,076 SH   SOLE   0 0 1,076
ANALOG DEVICES INC COM 032654105   676,859 1,704 SH   SOLE   0 0 1,704
APPLE INC COM 037833100   36,843,955 127,329 SH   SOLE   0 0 127,329
APPLIED MATLS INC COM 038222105   1,550,835 2,145 SH   SOLE   0 0 2,145
ARISTA NETWORKS INC COM SHS 040413205   395,651 2,329 SH   SOLE   0 0 2,329
AT&T INC COM 00206R102   1,996,039 96,427 SH   SOLE   0 0 96,427
BANK OF AMER CORP COM 060505104   1,440,570 25,282 SH   SOLE   0 0 25,282
BANK OF NY MELLON CORP COM 064058100   214,023 1,480 SH   SOLE   0 0 1,480
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,074,200 6,144 SH   SOLE   0 0 6,144
BERKSHIRE HATHAWAY INC DEL CL A 084670108   748,850 1 SH   SOLE   0 0 1
BLACKROCK INC COM 09290D101   250,046 260 SH   SOLE   0 0 260
BOEING CO COM 097023105   332,498 1,536 SH   SOLE   0 0 1,536
BROADCOM INC COM 11135F101   328,316 869 SH   SOLE   0 0 869
CALIFORNIA BANCORP COM 84252A106   3,551,053 170,396 SH   SOLE   0 0 170,396
CATERPILLAR INC COM 149123101   208,227 196 SH   SOLE   0 0 196
CHEVRON CORPORATION COM 166764100   2,679,447 16,165 SH   SOLE   0 0 16,165
CISCO SYS INC COM 17275R102   2,653,458 22,590 SH   SOLE   0 0 22,590
CLOROX CO DEL COM 189054109   213,417 2,236 SH   SOLE   0 0 2,236
CME GROUP INC COM 12572Q105   223,712 1,013 SH   SOLE   0 0 1,013
COCA COLA CO COM 191216100   215,880 2,656 SH   SOLE   0 0 2,656
COSTCO WHOLESALE CORPORATION COM 22160K105   4,365,938 4,667 SH   SOLE   0 0 4,667
DISNEY WALT CO COM 254687106   651,058 6,764 SH   SOLE   0 0 6,764
EDISON INTL COM 281020107   250,503 3,365 SH   SOLE   0 0 3,365
ELI LILLY & CO COM 532457108   1,089,083 908 SH   SOLE   0 0 908
EMERSON ELEC CO COM 291011104   331,822 2,318 SH   SOLE   0 0 2,318
EVERUS CONSTR GROUP COM 300426103   227,020 1,368 SH   SOLE   0 0 1,368
EXXON MOBIL CORP COM 30231G102   498,701 3,648 SH   SOLE   0 0 3,648
FORD MTR CO COM 345370860   344,871 24,811 SH   SOLE   0 0 24,811
GALLAGHER ARTHUR J & CO COM 363576109   508,957 2,217 SH   SOLE   0 0 2,217
GE AEROSPACE COM NEW 369604301   283,516 759 SH   SOLE   0 0 759
GILEAD SCIENCES INC COM 375558103   361,225 2,859 SH   SOLE   0 0 2,859
GOLDMAN SACHS GROUP INC COM 38141G104   268,290 265 SH   SOLE   0 0 265
HOME DEPOT INC COM 437076102   994,534 2,820 SH   SOLE   0 0 2,820
IDEXX LABS INC COM 45168D104   303,230 576 SH   SOLE   0 0 576
INTEL CORP COM 458140100   469,693 3,364 SH   SOLE   0 0 3,364
INTERNATIONAL BUSINESS MACHS COM 459200101   546,566 1,944 SH   SOLE   0 0 1,944
ISHARES GOLD TR ISHARES NEW 464285204   293,734 3,890 SH   SOLE   0 0 3,890
ISHARES INC MSCI EMRG CHN 46434G764   1,252,202 12,240 SH   SOLE   0 0 12,240
ISHARES SILVER TR ISHARES 46428Q109   350,389 6,553 SH   SOLE   0 0 6,553
ISHARES TR RUS 1000 GRW ETF 464287614   10,737,398 86,473 SH   SOLE   0 0 86,473
ISHARES TR RUS 1000 VAL ETF 464287598   7,677,274 31,668 SH   SOLE   0 0 31,668
ISHARES TR MSCI EAFE ETF 464287465   4,935,885 47,515 SH   SOLE   0 0 47,515
ISHARES TR SELECT DIVID ETF 464287168   3,231,402 20,674 SH   SOLE   0 0 20,674
ISHARES TR CORE S&P MCP ETF 464287507   3,058,293 39,661 SH   SOLE   0 0 39,661
ISHARES TR U.S. TECH ETF 464287721   1,827,024 7,243 SH   SOLE   0 0 7,243
ISHARES TR GLOBAL TECH ETF 464287291   1,697,953 4,589 SH   SOLE   0 0 4,589
ISHARES TR CALIF MUN BD ETF 464288356   1,585,154 27,501 SH   SOLE   0 0 27,501
ISHARES TR CORE S&P SCP ETF 464287804   1,540,156 10,385 SH   SOLE   0 0 10,385
ISHARES TR RUS MD CP GR ETF 464287481   1,430,687 9,772 SH   SOLE   0 0 9,772
ISHARES TR EAFE VALUE ETF 464288877   1,389,480 18,151 SH   SOLE   0 0 18,151
ISHARES TR US AER DEF ETF 464288760   1,219,120 5,029 SH   SOLE   0 0 5,029
ISHARES TR ESG MSCI KLD ETF 464288570   941,568 6,613 SH   SOLE   0 0 6,613
ISHARES TR RUS 1000 ETF 464287622   941,441 2,299 SH   SOLE   0 0 2,299
ISHARES TR RUS MDCP VAL ETF 464287473   686,353 4,170 SH   SOLE   0 0 4,170
ISHARES TR RUS MID CAP ETF 464287499   563,741 5,110 SH   SOLE   0 0 5,110
ISHARES TR RUS 2000 GRW ETF 464287648   550,230 1,397 SH   SOLE   0 0 1,397
ISHARES TR EAFE GRWTH ETF 464288885   528,848 4,251 SH   SOLE   0 0 4,251
ISHARES TR RUS TP200 VL ETF 464289420   418,265 3,977 SH   SOLE   0 0 3,977
ISHARES TR RUSSELL 2000 ETF 464287655   402,100 1,338 SH   SOLE   0 0 1,338
ISHARES TR CORE DIV GRWTH 46434V621   337,866 4,458 SH   SOLE   0 0 4,458
ISHARES TR CORE MSCI EAFE 46432F842   309,072 3,200 SH   SOLE   0 0 3,200
ISHARES TR RUS TP200 GR ETF 464289438   285,295 982 SH   SOLE   0 0 982
ISHARES TR CORE S&P TTL STK 464287150   265,790 1,618 SH   SOLE   0 0 1,618
ISHARES TR IBOXX INV CP ETF 464287242   237,156 2,174 SH   SOLE   0 0 2,174
ISHARES TR MSCI EMG MKT ETF 464287234   203,144 888 SH   SOLE   0 0 888
JOHNSON & JOHNSON COM 478160104   2,083,053 8,202 SH   SOLE   0 0 8,202
JPMORGAN CHASE & CO COM 46625H100   1,921,557 5,870 SH   SOLE   0 0 5,870
KEYSIGHT TECHNOLOGIES INC COM 49338L103   536,658 1,533 SH   SOLE   0 0 1,533
KLA CORP COM NEW 482480100   503,856 1,670 SH   SOLE   0 0 1,670
LAM RESEARCH CORP COM NEW 512807306   331,065 764 SH   SOLE   0 0 764
LOEWS CORP COM 540424108   226,420 2,000 SH   SOLE   0 0 2,000
MCDONALDS CORP COM 580135101   511,116 1,891 SH   SOLE   0 0 1,891
MCKESSON CORP COM 58155Q103   454,872 602 SH   SOLE   0 0 602
MERCK & CO INC COM 58933Y105   882,161 6,865 SH   SOLE   0 0 6,865
META PLATFORMS INC CL A 30303M102   6,192,775 10,994 SH   SOLE   0 0 10,994
METTLER TOLEDO INTERNATIONAL COM 592688105   233,785 183 SH   SOLE   0 0 183
MICROSOFT CORP COM 594918104   6,709,324 17,986 SH   SOLE   0 0 17,986
NORFOLK SOUTHN CORP COM 655844108   321,063 1,021 SH   SOLE   0 0 1,021
NORTHROP GRUMMAN CORP COM 666807102   294,382 578 SH   SOLE   0 0 578
NUVEEN VA QUALITY MUN INCOM COM 67064R102   212,810 18,393 SH   SOLE   0 0 18,393
NVIDIA CORPORATION COM 67066G104   3,095,393 15,470 SH   SOLE   0 0 15,470
ORACLE CORP COM 68389X105   7,824,243 53,390 SH   SOLE   0 0 53,390
PACCAR INC COM 693718108   567,087 4,721 SH   SOLE   0 0 4,721
PALANTIR TECHNOLOGIES INC CL A 69608A108   270,831 2,321 SH   SOLE   0 0 2,321
PALO ALTO NETWORKS INC COM 697435105   457,308 1,341 SH   SOLE   0 0 1,341
PEPSICO INC COM 713448108   392,166 2,896 SH   SOLE   0 0 2,896
PFIZER INC COM 717081103   227,207 9,436 SH   SOLE   0 0 9,436
PG&E CORP COM 69331C108   430,394 25,588 SH   SOLE   0 0 25,588
PROCTER & GAMBLE CO COM 742718109   403,212 2,750 SH   SOLE   0 0 2,750
QUALCOMM INC COM 747525103   949,264 5,137 SH   SOLE   0 0 5,137
QUANTA SVCS INC COM 74762E102   2,319,249 3,221 SH   SOLE   0 0 3,221
RADIAN GROUP INC COM 750236101   339,030 9,000 SH   SOLE   0 0 9,000
ROSS STORES INC COM 778296103   681,321 3,201 SH   SOLE   0 0 3,201
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   1,110,515 21,048 SH   SOLE   0 0 21,048
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   966,304 30,473 SH   SOLE   0 0 30,473
SCHWAB STRATEGIC TR US TIPS ETF 808524870   438,051 16,530 SH   SOLE   0 0 16,530
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   413,280 14,920 SH   SOLE   0 0 14,920
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   367,479 10,171 SH   SOLE   0 0 10,171
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   316,698 9,359 SH   SOLE   0 0 9,359
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   228,415 6,195 SH   SOLE   0 0 6,195
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   210,523 8,537 SH   SOLE   0 0 8,537
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803   19,456,006 102,121 SH   SOLE   0 0 102,121
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886   5,418,759 119,514 SH   SOLE   0 0 119,514
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605   838,710 15,645 SH   SOLE   0 0 15,645
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308   720,938 8,679 SH   SOLE   0 0 8,679
SPDR SERIES TRUST ST STR SP AERO 78464A631   10,084,727 35,536 SH   SOLE   0 0 35,536
SPDR SERIES TRUST ST STR SP DIV 78464A763   814,351 5,351 SH   SOLE   0 0 5,351
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD AN 85208R101   420,364 10,449 SH   SOLE   0 0 10,449
STATE STR SPDR DOW JONES IND UT SER 1 78467X109   2,166,053 4,146 SH   SOLE   0 0 4,146
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   6,744,757 9,032 SH   SOLE   0 0 9,032
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100   863,925 1,809 SH   SOLE   0 0 1,809
TESLA INC COM 88160R101   2,691,524 6,399 SH   SOLE   0 0 6,399
UNION PAC CORP COM 907818108   201,485 741 SH   SOLE   0 0 741
VANECK ETF TRUST URANI NUCLE ETF 92189F601   1,571,968 13,554 SH   SOLE   0 0 13,554
VANGUARD BD INDEX FDS INTERMED TERM 921937819   868,538 11,324 SH   SOLE   0 0 11,324
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   318,678 4,341 SH   SOLE   0 0 4,341
VANGUARD INDEX FDS VALUE ETF 922908744   3,900,653 17,899 SH   SOLE   0 0 17,899
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,533,786 5,145 SH   SOLE   0 0 5,145
VANGUARD INDEX FDS MID CAP ETF 922908629   1,694,543 21,032 SH   SOLE   0 0 21,032
VANGUARD INDEX FDS GROWTH ETF 922908736   1,634,209 18,972 SH   SOLE   0 0 18,972
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845   14,318,266 189,195 SH   SOLE   0 0 189,195
VANGUARD INSTL INDEX FD ULTR SHOR TR ETF 922040852   1,146,174 15,149 SH   SOLE   0 0 15,149
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   266,054 4,457 SH   SOLE   0 0 4,457
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   205,607 2,455 SH   SOLE   0 0 2,455
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   18,326,964 77,453 SH   SOLE   0 0 77,453
VANGUARD STAR FDS VG TL INTL STK F 921909768   507,819 5,940 SH   SOLE   0 0 5,940
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,829,164 67,778 SH   SOLE   0 0 67,778
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   8,194,995 51,857 SH   SOLE   0 0 51,857
VANGUARD WORLD FD INF TECH ETF 92204A702   1,494,560 12,505 SH   SOLE   0 0 12,505
VANGUARD WORLD FD UTILITIES ETF 92204A876   807,071 4,123 SH   SOLE   0 0 4,123
VANGUARD WORLD FD MEGA GRWTH IND 921910816   498,011 5,665 SH   SOLE   0 0 5,665
VANGUARD WORLD FD MATERIALS ETF 92204A801   359,137 4,550 SH   SOLE   0 0 4,550
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   270,674 1,656 SH   SOLE   0 0 1,656
VERIZON COMMUNICATIONS INC COM 92343V104   1,259,938 29,758 SH   SOLE   0 0 29,758
VISA INC COM CL A 92826C839   2,284,041 6,657 SH   SOLE   0 0 6,657
VODAFONE GROUP PLC SPONSORED ADR 92857W308   203,450 15,384 SH   SOLE   0 0 15,384
WALMART INC COM 931142103   607,291 5,362 SH   SOLE   0 0 5,362
WARNER BROS DISCOVERY INC COM SER A 934423104   419,149 15,722 SH   SOLE   0 0 15,722
WASTE MGMT INC DEL COM 94106L109   312,936 1,404 SH   SOLE   0 0 1,404
WELLS FARGO & CO COM 949746101   1,727,896 20,909 SH   SOLE   0 0 20,909