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
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287y109 512 3,342 SH   SOLE   3,342 0 0
ALPHABET INC. CLASS A COM 02079k305 440 202 SH   SOLE   202 0 0
ALPHABET INC. CLASS C COM 02079k107 1,083 495 SH   SOLE   495 0 0
ALTRIA GROUP INC COM 02209s103 203 4,864 SH   SOLE   4,864 0 0
AMAZON.COM INC COM 023135106 6,787 63,900 SH   SOLE   63,900 0 0
AMGEN INC. COM 031162100 204 837 SH   SOLE   837 0 0
APPLE INC COM 037833100 6,278 45,915 SH   SOLE   45,915 0 0
BANK OF AMERICA CORP COM 060505104 316 10,144 SH   SOLE   10,144 0 0
BERKSHIRE HATHAWAY CLASS B COM 084670702 2,828 10,357 SH   SOLE   10,357 0 0
CANADIAN PAC RAILWAY F COM 13645t100 252 3,605 SH   SOLE   3,605 0 0
CHEVRON CORP COM 166764100 323 2,229 SH   SOLE   2,229 0 0
COSTCO WHOLESALE CO COM 22160k105 786 1,639 SH   SOLE   1,639 0 0
DOVER CORP COM 260003108 259 2,133 SH   SOLE   2,133 0 0
EATON CORP PLC F COM g29183103 231 1,835 SH   SOLE   1,835 0 0
EXXON MOBIL CORP COM 30231g102 296 3,462 SH   SOLE   3,462 0 0
JOHNSON & JOHNSON COM 478160104 795 4,481 SH   SOLE   4,481 0 0
JPMORGAN CHASE & CO COM 46625h100 1,243 11,034 SH   SOLE   11,034 0 0
MCDONALDS CORP COM 580135101 512 2,074 SH   SOLE   2,074 0 0
MERCK & CO. INC. COM 58933y105 807 8,857 SH   SOLE   8,857 0 0
MICROSOFT CORP COM 594918104 7,074 27,542 SH   SOLE   27,542 0 0
ORACLE CORP COM 68389x105 279 4,000 SH   SOLE   4,000 0 0
PFIZER INC COM 717081103 215 4,110 SH   SOLE   4,110 0 0
PROCTER & GAMBLE COM 742718109 406 2,821 SH   SOLE   2,821 0 0
SALESFORCE INC COM 79466l302 447 2,707 SH   SOLE   2,707 0 0
STARBUCKS CORP COM 855244109 438 5,738 SH   SOLE   5,738 0 0
TESLA INC COM 88160r101 269 400 SH   SOLE   400 0 0
UNITEDHEALTH GRP INC COM 91324p102 461 898 SH   SOLE   898 0 0
VERIZON COMMUNICATN COM 92343v104 321 6,322 SH   SOLE   6,322 0 0
WALT DISNEY CO COM 254687106 289 3,060 SH   SOLE   3,060 0 0
WHEELS UP EXPERIENCE I F CLASS COM 96328l106 112 57,603 SH   SOLE   57,603 0 0
ZOETIS INC CLASS A COM 98978v103 471 2,739 SH   SOLE   2,739 0 0
ENERGY SELECT SECTOR SPDR ETF ETF 81369y506 354 4,946 SH   SOLE   4,946 0 0
GLOBAL X CLOUD COMPUTING ETF ETF 37954y442 226 13,715 SH   SOLE   13,715 0 0
INVSC QQQ TRUST SRS 1 ETF ETF 46090e103 671 2,393 SH   SOLE   2,393 0 0
ISHARES COHEN AND STEERS REIT ETF 464287564 1,011 16,637 SH   SOLE   16,637 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 2,441 6,438 SH   SOLE   6,438 0 0
ISHARES CORE S&P MID CAP ETF ETF 464287507 3,607 15,945 SH   SOLE   15,945 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 698 7,558 SH   SOLE   7,558 0 0
ISHARES DOW JONES US ETF ETF 464287846 651 7,044 SH   SOLE   7,044 0 0
ISHARES MSCI EAFE ETF ETF 464287465 304 4,858 SH   SOLE   4,858 0 0
ISHARES MSCI EMERGING MARKETS ETF 464287234 1,021 25,468 SH   SOLE   25,468 0 0
ISHARES MSCI USA ESG SELECT ET ETF 464288802 294 3,648 SH   SOLE   3,648 0 0
ISHARES PREFERRED INCOME SEC E ETF 464288687 955 29,054 SH   SOLE   29,054 0 0
ISHARES RUSSELL 1000 GROWTH ET ETF 464287614 9,086 41,547 SH   SOLE   41,547 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 8,297 57,232 SH   SOLE   57,232 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 202 1,193 SH   SOLE   1,193 0 0
ISHARES RUSSELL 2000 GROWTH ET ETF 464287648 1,866 9,046 SH   SOLE   9,046 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 11,771 86,456 SH   SOLE   86,456 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 1,451 6,675 SH   SOLE   6,675 0 0
ISHARES RUSSELL MID CAP ETF ETF 464287499 12,519 193,618 SH   SOLE   193,618 0 0
ISHARES RUSSELL MID CAP VALUE ETF 464287473 1,279 12,591 SH   SOLE   12,591 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 5,452 90,345 SH   SOLE   90,345 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 2,023 14,720 SH   SOLE   14,720 0 0
ISHARES S&P MID CAP 400 VALUE ETF 464287705 2,029 21,490 SH   SOLE   21,490 0 0
ISHARES S&P SMALL CAP 600 ETF ETF 464287879 3,712 41,693 SH   SOLE   41,693 0 0
ISHARES S&P SMLL CAP 600 GRTH ETF 464287887 903 8,575 SH   SOLE   8,575 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 4,300 36,542 SH   SOLE   36,542 0 0
ISHARES U S CONSUMER DISCRTRY ETF 464287580 590 10,396 SH   SOLE   10,396 0 0
ISHARES US INDUSTRIALS ETF ETF 464287754 212 2,400 SH   SOLE   2,400 0 0
ISHARES US REAL ESTATE ETF ETF 464287739 298 3,242 SH   SOLE   3,242 0 0
ISHARES US TECHNOLOGY ETF IV ETF 464287721 956 11,960 SH   SOLE   11,960 0 0
SPDR DOW JONES INDUSTRIAL AVER ETF 252787106 312 1,013 SH   SOLE   1,013 0 0
SPDR GOLD SHARES ETF ETF 78463v107 236 1,400 SH   SOLE   1,400 0 0
SPDR S&P 500 ETF ETF 78462f103 1,450 3,843 SH   SOLE   3,843 0 0
SPDR S&P 500 GROWTH ETF ETF 78464a409 212 4,055 SH   SOLE   4,055 0 0
SPDR S&P MIDCAP 400 ETF ETF 78467y107 4,226 10,220 SH   SOLE   10,220 0 0
SPDR S&P REGIONAL BANKING ETF ETF 78464a698 453 7,805 SH   SOLE   7,805 0 0
SPDR S&P SEMICONDUCTOR ETF ETF 78464a862 275 1,810 SH   SOLE   1,810 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF 81369y803 1,496 11,765 SH   SOLE   11,765 0 0
VANGUARD CONSUMER STAPLES ETF ETF 92204a207 250 1,350 SH   SOLE   1,350 0 0
VANGUARD DIVIDEND APPRECIATION ETF 921908844 2,111 14,716 SH   SOLE   14,716 0 0
VANGUARD ENERGY ETF ETF 92204a306 962 9,675 SH   SOLE   9,675 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874 564 10,680 SH   SOLE   10,680 0 0
VANGUARD HEALTH CARE ETF ETF 92204a504 566 2,405 SH   SOLE   2,405 0 0
VANGUARD HIGH DIVIDEND YIELD E ETF 921946406 8,175 80,380 SH   SOLE   80,380 0 0
VANGUARD INDUSTRIALS ETF ETF 92204a603 580 3,550 SH   SOLE   3,550 0 0
VANGUARD INFORMATION TECHNOLOG ETF 92204a702 382 1,170 SH   SOLE   1,170 0 0
VANGUARD MID CAP ETF ETF 922908629 595 3,020 SH   SOLE   3,020 0 0
VANGUARD MID CAP VALUE ETF ETF 922908512 350 2,700 SH   SOLE   2,700 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 861 5,746 SH   SOLE   5,746 0 0
VANGUARD TOTAL STOCK MARKET ET ETF 922908769 6,630 35,148 SH   SOLE   35,148 0 0
WISDOMTREE US TOTAL DIVIDEND E ETF 97717w109 1,078 18,620 SH   SOLE   18,620 0 0
ISHARES BRD USD INV GRD CORP B ETF 464288620 317 6,225 SH   SOLE   6,225 0 0
ISHARES CALIFORNIA MUNI BOND E ETF 464288356 261 4,631 SH   SOLE   4,631 0 0
ISHARES CORE US AGGREGATE BOND ETF 464287226 592 5,821 SH   SOLE   5,821 0 0
ISHARES IBND DEC 2025 TRM MUN ETF 46435u432 1,663 62,460 SH   SOLE   62,460 0 0
ISHARES IBONDS DEC 2022 TERM E ETF 46434vba7 5,334 213,266 SH   SOLE   213,266 0 0
ISHARES IBONDS DEC 2023 MUNI B ETF 46435g318 3,153 123,645 SH   SOLE   123,645 0 0
ISHARES IBONDS DEC 2023 TERM E ETF 46434vax8 6,182 246,377 SH   SOLE   246,377 0 0
ISHARES IBONDS DEC 2024 TRM ET ETF 46434vbg4 5,646 228,115 SH   SOLE   228,115 0 0
ISHARES IBOXX HIGH YIELD BOND ETF 464288513 621 8,435 SH   SOLE   8,435 0 0
ISHARES IBOXX INVT GRADE BOND ETF 464287242 1,118 10,157 SH   SOLE   10,157 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 2,994 28,152 SH   SOLE   28,152 0 0
ISHARES SHORT TERM NTNL MUN BN ETF 464288158 710 6,785 SH   SOLE   6,785 0 0
ISHARES TIPS BOND ETF ETF 464287176 2,028 17,800 SH   SOLE   17,800 0 0
ISHARES TRT IS 5-10 INV GR CR ETF 464288638 363 7,100 SH   SOLE   7,100 0 0
ISHARS IBND DEC 2024 TRM MUNI ETF 46435u697 2,821 108,500 SH   SOLE   108,500 0 0
ISHR IBND DEC 2025 TRM ETF ETF 46434vbd1 2,407 97,452 SH   SOLE   97,452 0 0
ISHRS IBND DEC 2022 TRM MUN BN ETF 46435g755 2,820 108,843 SH   SOLE   108,843 0 0
JPMORGAN ULTRA SHORT INCOME ET ETF 46641q837 507 10,125 SH   SOLE   10,125 0 0
JPMORGAN ULTRA SHRT MUNCIPL IN ETF 46641q654 829 16,360 SH   SOLE   16,360 0 0
SPDR BLOOMBERG CONVRTBL SECRS ETF 78464a359 759 11,750 SH   SOLE   11,750 0 0
VANGUARD INTERMEDIATE TERM BON ETF 921937819 625 8,045 SH   SOLE   8,045 0 0
VANGUARD INTERMEDIATE TERM COR ETF 92206c870 469 5,859 SH   SOLE   5,859 0 0
VANGUARD MUNI BND TAX EXEMPT E ETF 922907746 1,705 34,150 SH   SOLE   34,150 0 0
VANGUARD SHORT TERM COR BD ETF ETF 92206c409 1,762 23,100 SH   SOLE   23,100 0 0
VANGUARD SHORT-TERM BOND ETF ETF 921937827 268 3,490 SH   SOLE   3,490 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 706 9,382 SH   SOLE   9,382 0 0