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 449 3,342 SH   SOLE   3,342 0 0
ALPHABET INC. CLASS A COM 02079k305 386 4,040 SH   SOLE   4,040 0 0
ALPHABET INC. CLASS C COM 02079k107 712 7,400 SH   SOLE   7,400 0 0
AMAZON.COM INC COM 023135106 6,259 55,385 SH   SOLE   55,385 0 0
APPLE INC COM 037833100 6,373 46,118 SH   SOLE   46,118 0 0
BANK OF AMERICA CORP COM 060505104 291 9,644 SH   SOLE   9,644 0 0
BERKSHIRE HATHAWAY CLASS B COM 084670702 2,868 10,742 SH   SOLE   10,742 0 0
CANADIAN PAC RAILWAY F COM 13645t100 241 3,605 SH   SOLE   3,605 0 0
CHEVRON CORP COM 166764100 320 2,229 SH   SOLE   2,229 0 0
COSTCO WHOLESALE CO COM 22160k105 774 1,639 SH   SOLE   1,639 0 0
DOVER CORP COM 260003108 249 2,133 SH   SOLE   2,133 0 0
EATON CORP PLC F COM g29183103 245 1,835 SH   SOLE   1,835 0 0
EXXON MOBIL CORP COM 30231g102 302 3,462 SH   SOLE   3,462 0 0
JOHNSON & JOHNSON COM 478160104 732 4,481 SH   SOLE   4,481 0 0
JPMORGAN CHASE & CO COM 46625h100 1,101 10,534 SH   SOLE   10,534 0 0
MCDONALDS CORP COM 580135101 479 2,074 SH   SOLE   2,074 0 0
MERCK & CO. INC. COM 58933y105 731 8,483 SH   SOLE   8,483 0 0
MICROSOFT CORP COM 594918104 6,205 26,643 SH   SOLE   26,643 0 0
ORACLE CORP COM 68389x105 244 4,000 SH   SOLE   4,000 0 0
PROCTER & GAMBLE COM 742718109 356 2,821 SH   SOLE   2,821 0 0
SALESFORCE INC COM 79466l302 433 3,007 SH   SOLE   3,007 0 0
STARBUCKS CORP COM 855244109 462 5,488 SH   SOLE   5,488 0 0
TESLA INC COM 88160r101 398 1,500 SH   SOLE   1,500 0 0
UNITEDHEALTH GRP INC COM 91324p102 454 898 SH   SOLE   898 0 0
WALT DISNEY CO COM 254687106 289 3,060 SH   SOLE   3,060 0 0
WHEELS UP EXPERIENCE I F CLASS COM 96328l106 66 57,603 SH   SOLE   57,603 0 0
ZOETIS INC CLASS A COM 98978v103 406 2,739 SH   SOLE   2,739 0 0
ENERGY SELECT SECTOR SPDR ETF ETF 81369y506 249 3,451 SH   SOLE   3,451 0 0
GLOBAL X CLOUD COMPUTING ETF ETF 37954y442 191 11,965 SH   SOLE   11,965 0 0
INVSC QQQ TRUST SRS 1 ETF ETF 46090e103 540 2,019 SH   SOLE   2,019 0 0
ISHARES COHEN AND STEERS REIT ETF 464287564 907 16,902 SH   SOLE   16,902 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 2,309 6,438 SH   SOLE   6,438 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 3,498 15,953 SH   SOLE   15,953 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 659 7,558 SH   SOLE   7,558 0 0
ISHARES DOW JONES US ETF ETF 464287846 574 6,544 SH   SOLE   6,544 0 0
ISHARES MSCI EAFE ETF ETF 464287465 251 4,473 SH   SOLE   4,473 0 0
ISHARES MSCI EMERGING MARKETS ETF 464287234 902 25,867 SH   SOLE   25,867 0 0
ISHARES MSCI USA ESG SELECT ET ETF 464288802 277 3,648 SH   SOLE   3,648 0 0
ISHARES PREFERRED INCOME SEC E ETF 464288687 903 28,515 SH   SOLE   28,515 0 0
ISHARES RUSSELL 1000 GROWTH ET ETF 464287614 8,756 41,614 SH   SOLE   41,614 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 7,885 57,980 SH   SOLE   57,980 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 219 1,327 SH   SOLE   1,327 0 0
ISHARES RUSSELL 2000 GROWTH ET ETF 464287648 1,905 9,221 SH   SOLE   9,221 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 11,142 86,422 SH   SOLE   86,422 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 802 3,875 SH   SOLE   3,875 0 0
ISHARES RUSSELL MID CAP ETF ETF 464287499 12,174 195,884 SH   SOLE   195,884 0 0
ISHARES RUSSELL MID CAP VALUE ETF 464287473 1,209 12,591 SH   SOLE   12,591 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 5,169 89,345 SH   SOLE   89,345 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 1,894 14,741 SH   SOLE   14,741 0 0
ISHARES S&P MID CAP 400 VALUE ETF 464287705 1,871 20,790 SH   SOLE   20,790 0 0
ISHARES S&P SMALL CAP 600 ETF ETF 464287879 3,435 41,659 SH   SOLE   41,659 0 0
ISHARES S&P SMLL CAP 600 GRTH ETF 464287887 871 8,572 SH   SOLE   8,572 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 3,813 35,567 SH   SOLE   35,567 0 0
ISHARES U S CONSUMER DISCRTRY ETF 464287580 593 10,196 SH   SOLE   10,196 0 0
ISHARES US HEALTHCARE ETF ETF 464287762 238 940 SH   SOLE   940 0 0
ISHARES US INDUSTRIALS ETF ETF 464287754 201 2,400 SH   SOLE   2,400 0 0
ISHARES US REAL ESTATE ETF ETF 464287739 264 3,242 SH   SOLE   3,242 0 0
ISHARES US TECHNOLOGY ETF IV ETF 464287721 878 11,960 SH   SOLE   11,960 0 0
SELECT STR FINANCIAL SELECT SP ETF 81369y605 220 7,250 SH   SOLE   7,250 0 0
SPDR DOW JONES INDUSTRIAL AVER ETF 252787106 291 1,014 SH   SOLE   1,014 0 0
SPDR S&P 500 ETF ETF 78462f103 1,347 3,771 SH   SOLE   3,771 0 0
SPDR S&P 500 GROWTH ETF ETF 78464a409 203 4,055 SH   SOLE   4,055 0 0
SPDR S&P MIDCAP 400 ETF ETF 78467y107 3,989 9,930 SH   SOLE   9,930 0 0
SPDR S&P REGIONAL BANKING ETF ETF 78464a698 355 6,035 SH   SOLE   6,035 0 0
SPDR S&P SEMICONDUCTOR ETF ETF 78464a862 253 1,660 SH   SOLE   1,660 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF 81369y803 1,445 12,165 SH   SOLE   12,165 0 0
VANGUARD CONSUMER DISCRETIONAR ETF 92204a108 206 875 SH   SOLE   875 0 0
VANGUARD CONSUMER STAPLES ETF ETF 92204a207 232 1,350 SH   SOLE   1,350 0 0
VANGUARD DIVIDEND APPRECIATION ETF 921908844 1,975 14,616 SH   SOLE   14,616 0 0
VANGUARD ENERGY ETF ETF 92204a306 1,013 9,975 SH   SOLE   9,975 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874 470 10,194 SH   SOLE   10,194 0 0
VANGUARD HEALTH CARE ETF ETF 92204a504 538 2,405 SH   SOLE   2,405 0 0
VANGUARD HIGH DIVIDEND YIELD E ETF 921946406 7,627 80,381 SH   SOLE   80,381 0 0
VANGUARD INDUSTRIALS ETF ETF 92204a603 670 4,250 SH   SOLE   4,250 0 0
VANGUARD INFORMATION TECHNOLOG ETF 92204a702 360 1,170 SH   SOLE   1,170 0 0
VANGUARD MID CAP ETF ETF 922908629 568 3,020 SH   SOLE   3,020 0 0
VANGUARD MID CAP VALUE ETF ETF 922908512 329 2,700 SH   SOLE   2,700 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 828 5,771 SH   SOLE   5,771 0 0
VANGUARD TOTAL STOCK MARKET ET ETF 922908769 6,132 34,167 SH   SOLE   34,167 0 0
WISDOMTREE US TOTAL DIVIDEND E ETF 97717w109 1,010 18,620 SH   SOLE   18,620 0 0
ISHARES BRD USD INV GRD CORP B ETF 464288620 299 6,225 SH   SOLE   6,225 0 0
ISHARES CALIFORNIA MUNI BOND E ETF 464288356 251 4,631 SH   SOLE   4,631 0 0
ISHARES CORE US AGGREGATE BOND ETF 464287226 561 5,821 SH   SOLE   5,821 0 0
ISHARES IBND DEC 2025 TRM MUN ETF 46435u432 1,619 62,460 SH   SOLE   62,460 0 0
ISHARES IBONDS DEC 2022 TERM E ETF 46434vba7 5,326 212,766 SH   SOLE   212,766 0 0
ISHARES IBONDS DEC 2023 MUNI B ETF 46435g318 3,143 124,535 SH   SOLE   124,535 0 0
ISHARES IBONDS DEC 2023 TERM E ETF 46434vax8 6,147 246,377 SH   SOLE   246,377 0 0
ISHARES IBONDS DEC 2024 TRM ET ETF 46434vbg4 5,562 228,415 SH   SOLE   228,415 0 0
ISHARES IBOXX HIGH YIELD BOND ETF 464288513 584 8,185 SH   SOLE   8,185 0 0
ISHARES IBOXX INVT GRADE BOND ETF 464287242 1,041 10,157 SH   SOLE   10,157 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 2,296 22,382 SH   SOLE   22,382 0 0
ISHARES SHORT TERM NTNL MUN BN ETF 464288158 686 6,685 SH   SOLE   6,685 0 0
ISHARES TIPS BOND ETF ETF 464287176 1,867 17,800 SH   SOLE   17,800 0 0
ISHARES TRT IS 5-10 INV GR CR ETF 464288638 343 7,100 SH   SOLE   7,100 0 0
ISHARS IBND DEC 2024 TRM MUNI ETF 46435u697 2,789 109,365 SH   SOLE   109,365 0 0
ISHR IBND DEC 2025 TRM ETF ETF 46434vbd1 2,353 97,529 SH   SOLE   97,529 0 0
ISHRS IBND DEC 2022 TRM MUN BN ETF 46435g755 2,819 108,843 SH   SOLE   108,843 0 0
JPMORGAN ULTRA SHORT INCOME ET ETF 46641q837 448 8,935 SH   SOLE   8,935 0 0
JPMORGAN ULTRA SHRT MUNCIPL IN ETF 46641q654 744 14,785 SH   SOLE   14,785 0 0
SPDR BLOOMBERG CONVRTBL SECRS ETF 78464a359 586 9,250 SH   SOLE   9,250 0 0
VANGUARD INTERMEDIATE TERM BON ETF 921937819 591 8,045 SH   SOLE   8,045 0 0
VANGUARD INTERMEDIATE TERM COR ETF 92206c870 419 5,542 SH   SOLE   5,542 0 0
VANGUARD MUNI BND TAX EXEMPT E ETF 922907746 1,837 38,150 SH   SOLE   38,150 0 0
VANGUARD SHORT TERM COR BD ETF ETF 92206c409 1,787 24,053 SH   SOLE   24,053 0 0
VANGUARD SHORT-TERM BOND ETF ETF 921937827 261 3,490 SH   SOLE   3,490 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 652 9,142 SH   SOLE   9,142 0 0