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
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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
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   666,895 37,699 SH   SOLE   0 0 37,699
ADOBE INC COM 00724F101   234,554 460 SH   SOLE   120 0 340
ADVANCED MICRO DEVICES INC COM 007903107   237,206 2,307 SH   SOLE   1,017 0 1,290
ALPHABET INC CAP STK CL C 02079K107   1,637,181 12,417 SH   SOLE   1,179 0 11,238
ALPHABET INC CAP STK CL A 02079K305   913,141 6,978 SH   SOLE   774 0 6,204
AMAZON COM INC COM 023135106   1,124,249 8,844 SH   SOLE   1,964 0 6,880
APPLE INC COM 037833100   2,586,641 15,108 SH   SOLE   3,733 0 11,375
AUTOMATIC DATA PROCESSING IN COM 053015103   282,922 1,176 SH   SOLE   145 0 1,031
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   132,624 16,475 SH   SOLE   4,122 0 12,353
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   587,103 1,676 SH   SOLE   236 0 1,440
BONDBLOXX ETF TRUST BLOOMBERG ONE YR 09789C861   204,092 4,104 SH   SOLE   0 0 4,104
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   204,297 4,064 SH   SOLE   0 0 4,064
BROADCOM INC COM 11135F101   367,947 443 SH   SOLE   95 0 348
CAMBRIA ETF TR EMRG SHAREHLDR 132061706   3,704,539 129,168 SH   SOLE   40,534 0 88,634
CATERPILLAR INC COM 149123101   404,671 1,482 SH   SOLE   84 0 1,398
CHEVRON CORP NEW COM 166764100   4,625,321 27,430 SH   SOLE   11,064 0 16,366
CISCO SYS INC COM 17275R102   208,535 3,879 SH   SOLE   1,277 0 2,602
COSTCO WHSL CORP NEW COM 22160K105   228,244 404 SH   SOLE   108 0 296
CSX CORP COM 126408103   262,605 8,540 SH   SOLE   254 0 8,286
EA SERIES TRUST INTL QUAN VALUE 02072L201   878,059 37,223 SH   SOLE   15,958 0 21,265
EA SERIES TRUST FREEDOM 100 EM 02072L607   384,280 13,574 SH   SOLE   4,405 0 9,169
EA SERIES TRUST US QUAN VALUE 02072L102   601,650 16,213 SH   SOLE   6,556 0 9,657
ELI LILLY & CO COM 532457108   448,504 835 SH   SOLE   178 0 657
EXXON MOBIL CORP COM 30231G102   370,630 3,152 SH   SOLE   837 0 2,315
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   841,762 17,221 SH   SOLE   1,902 0 15,319
FIRST TR EXCH TRADED FD III CALIF MUN INCM 33739P863   489,170 10,355 SH   SOLE   1,356 0 8,999
HOME DEPOT INC COM 437076102   622,141 2,059 SH   SOLE   254 0 1,805
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   448,141 29,976 SH   SOLE   6,076 0 23,900
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   620,758 26,449 SH   SOLE   2,845 0 23,604
ISHARES GOLD TR ISHARES NEW 464285204   207,596 5,933 SH   SOLE   1,190 0 4,743
ISHARES INC ESG AWR MSCI EM 46434G863   308,977 10,204 SH   SOLE   7,375 0 2,829
ISHARES INC MSCI GBL MIN VOL 464286525   493,776 5,175 SH   SOLE   594 0 4,581
ISHARES TR ESG AW MSCI EAFE 46435G516   350,558 5,071 SH   SOLE   4,866 0 205
ISHARES TR 0-3 MNTH TREASRY 46436E718   264,259 2,625 SH   SOLE   0 0 2,625
ISHARES TR MSCI USA QLT FCT 46432F339   535,331 4,062 SH   SOLE   1,366 0 2,696
ISHARES TR MSCI INTL VLU FT 46435G409   490,209 19,330 SH   SOLE   1,945 0 17,385
ISHARES TR MSCI GBL SUS DEV 46435G532   432,141 5,799 SH   SOLE   3,812 0 1,987
ISHARES TR CORE S&P TTL STK 464287150   262,884 2,791 SH   SOLE   0 0 2,791
ISHARES TR NATIONAL MUN ETF 464288414   360,531 3,516 SH   SOLE   549 0 2,967
ISHARES TR CALIF MUN BD ETF 464288356   3,091,605 56,375 SH   SOLE   7,059 0 49,316
ISHARES TR 20 YR TR BD ETF 464287432   230,594 2,600 SH   SOLE   0 0 2,600
ISHARES TR CORE S&P MCP ETF 464287507   773,234 3,101 SH   SOLE   550 0 2,551
ISHARES TR CORE S&P500 ETF 464287200   1,664,900 3,877 SH   SOLE   911 0 2,966
ISHARES TR RUS 1000 ETF 464287622   959,138 4,083 SH   SOLE   1,964 0 2,119
JOHNSON & JOHNSON COM 478160104   285,490 1,833 SH   SOLE   662 0 1,171
JPMORGAN CHASE & CO COM 46625H100   476,971 3,289 SH   SOLE   480 0 2,809
MASTERCARD INCORPORATED CL A 57636Q104   306,038 773 SH   SOLE   170 0 603
MERCK & CO INC COM 58933Y105   217,430 2,112 SH   SOLE   398 0 1,714
META PLATFORMS INC CL A 30303M102   592,014 1,972 SH   SOLE   447 0 1,525
MICROSOFT CORP COM 594918104   1,834,854 5,811 SH   SOLE   1,452 0 4,359
NETFLIX INC COM 64110L106   273,760 725 SH   SOLE   109 0 616
NEXTERA ENERGY INC COM 65339F101   242,108 4,226 SH   SOLE   195 0 4,031
NVIDIA CORPORATION COM 67066G104   1,191,438 2,739 SH   SOLE   747 0 1,992
PEPSICO INC COM 713448108   357,518 2,110 SH   SOLE   361 0 1,749
PROCTER AND GAMBLE CO COM 742718109   588,399 4,034 SH   SOLE   1,009 0 3,025
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   482,135 7,124 SH   SOLE   0 0 7,124
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   2,418,125 36,070 SH   SOLE   10,262 0 25,808
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855   6,048,481 122,787 SH   SOLE   37,801 0 84,986
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   432,952 13,962 SH   SOLE   1,911 0 12,051
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   6,199,243 111,257 SH   SOLE   33,195 0 78,062
SPDR S&P 500 ETF TR TR UNIT 78462F103   763,479 1,786 SH   SOLE   388 0 1,398
SPDR SER TR PRTFLO S&P500 GW 78464A409   422,963 7,135 SH   SOLE   2,423 0 4,712
SPDR SER TR PRTFLO S&P500 VL 78464A508   577,054 13,986 SH   SOLE   4,500 0 9,486
SPDR SER TR PORTFOLIO S&P400 78464A847   4,685,845 107,007 SH   SOLE   34,626 0 72,381
SPDR SER TR PORTFOLIO S&P600 78468R853   3,628,448 98,332 SH   SOLE   29,906 0 68,426
SPDR SER TR S&P 500 ESG ETF 78468R531   490,517 11,822 SH   SOLE   11,327 0 495
TESLA INC COM 88160R101   1,114,480 4,454 SH   SOLE   555 0 3,899
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204   76,721 16,220 SH   SOLE   4,014 0 12,206
UNITEDHEALTH GROUP INC COM 91324P102   394,781 783 SH   SOLE   168 0 615
VANGUARD INDEX FDS GROWTH ETF 922908736   272,038 999 SH   SOLE   131 0 868
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   49,651,085 126,435 SH   SOLE   39,194 0 87,242
VANGUARD INDEX FDS SMALL CP ETF 922908751   269,236 1,424 SH   SOLE   125 0 1,299
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   2,714,280 69,722 SH   SOLE   20,604 0 49,118
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,201,771 12,897 SH   SOLE   5,925 0 6,972
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   596,307 15,208 SH   SOLE   2,543 0 12,665
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   830,636 18,999 SH   SOLE   1,930 0 17,069
VISA INC COM CL A 92826C839   385,267 1,675 SH   SOLE   383 0 1,292
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   480,691 9,553 SH   SOLE   0 0 9,553
WISDOMTREE TR EM EX ST-OWNED 97717X578   11,234,288 421,233 SH   SOLE   129,321 0 291,912
WISDOMTREE TR ENHNCD CMMDTY ST 97717Y683   7,368,582 408,911 SH   SOLE   124,866 0 284,045
WORLD GOLD TR SPDR GLD MINIS 98149E303   7,366,644 200,945 SH   SOLE   65,848 0 135,097