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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 7,059 57,790 SH   SOLE   0 0 57,790
GILEAD SCIENCES INC COM 375558103 4,770 73,799 SH   SOLE   0 0 73,799
INVESCO QQQ TR UNIT SER 1 46090E103 6,316 19,790 SH   SOLE   0 0 19,790
ISHARES INC CORE MSCI EMKT 46434G103 7,479 116,211 SH   SOLE   0 0 116,211
ISHARES TR CALIF MUN BD ETF 464288356 1,126 18,119 SH   SOLE   0 0 18,119
ISHARES TR CORE MSCI EAFE 46432F842 14,066 195,221 SH   SOLE   0 0 195,221
ISHARES TR CORE S&P SCP ETF 464287804 1,383 12,740 SH   SOLE   0 0 12,740
ISHARES TR S&P 500 GRWT ETF 464287309 5,159 79,234 SH   SOLE   0 0 79,234
ISHARES TR S&P 500 VAL ETF 464287408 10,062 71,243 SH   SOLE   0 0 71,243
ORACLE CORP COM 68389X105 18,223 259,704 SH   SOLE   0 0 259,704
SNOWFLAKE INC CL A 833445109 10,639 46,400 SH   SOLE   0 0 46,400
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 892 15,610 SH   SOLE   0 0 15,610
VANGUARD INDEX FDS GROWTH ETF 922908736 63,588 247,386 SH   SOLE   0 0 247,386
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,040 43,978 SH   SOLE   0 0 43,978
VANGUARD INDEX FDS SMALL CP ETF 922908751 13,528 63,191 SH   SOLE   0 0 63,191
VANGUARD INDEX FDS VALUE ETF 922908744 56,793 432,015 SH   SOLE   0 0 432,015
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 19,058 366,157 SH   SOLE   0 0 366,157
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,432 36,891 SH   SOLE   0 0 36,891
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 1,130 21,166 SH   SOLE   0 0 21,166
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 30,320 617,386 SH   SOLE   0 0 617,386