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

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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
AMAZON COM INC COM Stock 023135106 1,071 9,479 SH   SOLE 0 0 0 9,479
INVESCO QQQ TRUST ETF 46090E103 260 974 SH   SOLE 0 0 0 974
STARBUCKS CORP COM Stock 855244109 258 3,057 SH   SOLE 0 0 0 3,056
JOHNSON & JOHNSON COM Stock 478160104 1,327 8,121 SH   SOLE 0 0 0 8,120
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 985 5,487 SH   SOLE 0 0 0 5,487
COSTCO WHSL CORP NEW COM Stock 22160K105 254 538 SH   SOLE 0 0 0 538
YUM BRANDS INC COM Stock 988498101 247 2,325 SH   SOLE 0 0 0 2,325
PROCTER AND GAMBLE CO COM Stock 742718109 265 2,099 SH   SOLE 0 0 0 2,098
VANGUARD REAL ESTATE ETF ETF 922908553 1,414 17,643 SH   SOLE 0 0 0 17,642
INTEL CORP COM Stock 458140100 392 15,217 SH   SOLE 0 0 0 15,216
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 244 6,305 SH   SOLE 0 0 0 6,305
MERCK & CO INC COM Stock 58933Y105 207 2,404 SH   SOLE 0 0 0 2,404
SPDR S&P 500 ETF TRUST ETF 78462F103 504 1,410 SH   SOLE 0 0 0 1,410
YUM CHINA HLDGS INC COM Stock 98850P109 261 5,525 SH   SOLE 0 0 0 5,525
ISHARES TIPS BOND ETF ETF 464287176 284 2,707 SH   SOLE 0 0 0 2,706
ISHARES COHEN & STEERS REIT ETF ETF 464287564 327 6,089 SH   SOLE 0 0 0 6,089
HOME DEPOT INC COM Stock 437076102 674 2,443 SH   SOLE 0 0 0 2,442
SPDR GOLD SHARES ETF 78463V107 740 4,786 SH   SOLE 0 0 0 4,786
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 863 22,832 SH   SOLE 0 0 0 22,831
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1,025 24,411 SH   SOLE 0 0 0 24,411
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 7,785 276,767 SH   SOLE 0 0 0 276,766
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 4,976 117,496 SH   SOLE 0 0 0 117,496
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 818 12,255 SH   SOLE 0 0 0 12,254
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 7,755 154,612 SH   SOLE 0 0 0 154,612
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 844 28,901 SH   SOLE 0 0 0 28,901
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 582 6,675 SH   SOLE 0 0 0 6,674
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,621 6,069 SH   SOLE 0 0 0 6,069
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 480 21,428 SH   SOLE 0 0 0 21,428
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101 202 734 SH   SOLE 0 0 0 734
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409 6,144 82,718 SH   SOLE 0 0 0 82,718
ALPHABET INC CAP STK CL A Stock 02079K305 1,638 17,127 SH   SOLE 0 0 0 17,127
INTUIT COM Stock 461202103 210 542 SH   SOLE 0 0 0 542
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 229 8,250 SH   SOLE 0 0 0 8,249
MICROSOFT CORP COM Stock 594918104 2,837 12,182 SH   SOLE 0 0 0 12,181
SPDR GOLD MINISHARES TRUST ETF 98149E303 1,047 31,740 SH   SOLE 0 0 0 31,740
BOEING CO COM Stock 097023105 203 1,674 SH   SOLE 0 0 0 1,674
VANGUARD SMALL-CAP ETF ETF 922908751 2,621 15,334 SH   SOLE 0 0 0 15,333
VANGUARD MID-CAP ETF ETF 922908629 2,783 14,803 SH   SOLE 0 0 0 14,802
VANGUARD LARGE-CAP ETF ETF 922908637 3,100 18,956 SH   SOLE 0 0 0 18,955
TESLA INC COM Stock 88160R101 7,945 29,951 SH   SOLE 0 0 0 29,951
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 2,015 40,050 SH   SOLE 0 0 0 40,050
VANGUARD HEALTH CARE ETF ETF 92204A504 762 3,407 SH   SOLE 0 0 0 3,406
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862 445 9,215 SH   SOLE 0 0 0 9,215
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1,077 18,415 SH   SOLE 0 0 0 18,415
SCHWAB US TIPS ETF ETF 808524870 610 11,768 SH   SOLE 0 0 0 11,768
VANGUARD S&P 500 ETF ETF 922908363 5,692 17,337 SH   SOLE 0 0 0 17,337
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676 2,095 54,912 SH   SOLE 0 0 0 54,912
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 682 7,094 SH   SOLE 0 0 0 7,094
SCHWAB U.S. REIT ETF ETF 808524847 1,192 63,771 SH   SOLE 0 0 0 63,771
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 958 14,489 SH   SOLE 0 0 0 14,489
SCHWAB U.S. MID-CAP ETF ETF 808524508 5,640 93,173 SH   SOLE 0 0 0 93,173
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 1,068 22,483 SH   SOLE 0 0 0 22,483
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 2,886 63,065 SH   SOLE 0 0 0 63,065
ISHARES RUSSELL 2000 ETF ETF 464287655 848 5,142 SH   SOLE 0 0 0 5,142
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 438 7,568 SH   SOLE 0 0 0 7,568
VANGUARD SMALL CAP VALUE ETF ETF 922908611 1,462 10,198 SH   SOLE 0 0 0 10,198
REGENERON PHARMACEUTICALS COM Stock 75886F107 265 384 SH   SOLE 0 0 0 384
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203 585 27,130 SH   SOLE 0 0 0 27,130
IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 107 26,808 SH   SOLE 0 0 0 26,808
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 1,444 71,886 SH   SOLE 0 0 0 71,886
SCHWAB US AGGREGATE BOND ETF ETF 808524839 1,023 22,576 SH   SOLE 0 0 0 22,575
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 378 7,894 SH   SOLE 0 0 0 7,894
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 1,335 20,091 SH   SOLE 0 0 0 20,090
JPMORGAN SHORT DURATION CORE PLUS ETF ETF 46641Q274 279 6,160 SH   SOLE 0 0 0 6,160
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 2,073 42,342 SH   SOLE 0 0 0 42,342
VISA INC COM CL A Stock 92826C839 417 2,348 SH   SOLE 0 0 0 2,348
DIMENSIONAL US CORE EQUITY 2 ETF ETF 25434V708 234 10,506 SH   SOLE 0 0 0 10,505
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 5,686 145,910 SH   SOLE 0 0 0 145,910
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401 357 9,196 SH   SOLE 0 0 0 9,196
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880 1,317 69,707 SH   SOLE 0 0 0 69,706
AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349 340 7,650 SH   SOLE 0 0 0 7,650
VANGUARD VALUE ETF ETF 922908744 942 7,631 SH   SOLE 0 0 0 7,631
VANGUARD GROWTH ETF ETF 922908736 2,588 12,095 SH   SOLE 0 0 0 12,095
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 696 29,258 SH   SOLE 0 0 0 29,258
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864 2,283 49,633 SH   SOLE 0 0 0 49,633
META PLATFORMS INC CL A Stock 30303M102 1,059 7,808 SH   SOLE 0 0 0 7,808
DIMENSIONAL US REAL ESTATE ETF ETF 25434V823 2,460 119,645 SH   SOLE 0 0 0 119,645
DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF ETF 25434V781 948 51,055 SH   SOLE 0 0 0 51,055
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF ETF 25434V799 198 10,353 SH   SOLE 0 0 0 10,353
DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724 3,336 112,652 SH   SOLE 0 0 0 112,652
WP CAREY INC COM REIT 92936U109 2,372 33,988 SH   SOLE 0 0 0 33,988
BROADCOM INC COM Stock 11135F101 423 952 SH   SOLE 0 0 0 951
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 10,223 212,500 SH   SOLE 0 0 0 212,500
ISHARES CORE MSCI EAFE ETF ETF 46432F842 354 6,720 SH   SOLE 0 0 0 6,720
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 417 7,686 SH   SOLE 0 0 0 7,686
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 296 1,150 SH   SOLE 0 0 0 1,150
NVIDIA CORPORATION COM Stock 67066G104 293 2,410 SH   SOLE 0 0 0 2,410
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 3,171 64,338 SH   SOLE 0 0 0 64,337
PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 273 25,764 SH   SOLE 0 0 0 25,764
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 1,291 29,095 SH   SOLE 0 0 0 29,094
BLACKSTONE INC COM Stock 09260D107 376 4,487 SH   SOLE 0 0 0 4,487
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 307 14,370 SH   SOLE 0 0 0 14,370
QUALCOMM INC COM Stock 747525103 1,138 10,076 SH   SOLE 0 0 0 10,075
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 236 3,275 SH   SOLE 0 0 0 3,275
ISHARES S&P 500 VALUE ETF ETF 464287408 349 2,713 SH   SOLE 0 0 0 2,713
LULULEMON ATHLETICA INC COM Stock 550021109 555 1,985 SH   SOLE 0 0 0 1,985
ISHARES S&P 500 GROWTH ETF ETF 464287309 296 5,122 SH   SOLE 0 0 0 5,122
ISHARES CORE S&P 500 ETF ETF 464287200 19,561 54,540 SH   SOLE 0 0 0 54,540
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732 1,328 64,962 SH   SOLE 0 0 0 64,962
ISHARES MBS ETF ETF 464288588 440 4,810 SH   SOLE 0 0 0 4,810
LOCKHEED MARTIN CORP COM Stock 539830109 675 1,747 SH   SOLE 0 0 0 1,746
JPMORGAN CHASE & CO COM Stock 46625H100 2,622 25,095 SH   SOLE 0 0 0 25,094
JPMORGAN CHASE & CO COM Stock 46625H100 21 200 SH Call SOLE 0 0 0 200
NUVEEN CA QUALTY MUN INCOME FD COM CEF 67066Y105 164 14,982 SH   SOLE 0 0 0 14,982
CHEVRON CORP NEW COM Stock 166764100 1,288 8,966 SH   SOLE 0 0 0 8,965
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 3,300 90,768 SH   SOLE 0 0 0 90,768
BK OF AMERICA CORP COM Stock 060505104 770 25,494 SH   SOLE 0 0 0 25,493
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 228 5,174 SH   SOLE 0 0 0 5,174
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 210 1,763 SH   SOLE 0 0 0 1,763
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 945 25,896 SH   SOLE 0 0 0 25,896
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406 577 6,077 SH   SOLE 0 0 0 6,077
PFIZER INC COM Stock 717081103 997 22,774 SH   SOLE 0 0 0 22,774
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 727 7,099 SH   SOLE 0 0 0 7,098
CATERPILLAR INC COM Stock 149123101 288 1,755 SH   SOLE 0 0 0 1,754
ALPHABET INC CAP STK CL C Stock 02079K107 417 4,340 SH   SOLE 0 0 0 4,340
AMGEN INC COM Stock 031162100 805 3,573 SH   SOLE 0 0 0 3,573
JD.COM INC SPON ADR CL A ADR 47215P106 201 4,000 SH   SOLE 0 0 0 4,000
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 818 6,052 SH   SOLE 0 0 0 6,051
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 521 5,408 SH   SOLE 0 0 0 5,408
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 799 17,950 SH   SOLE 0 0 0 17,950
VANGUARD SHORT-TERM BOND ETF ETF 921937827 1,701 22,737 SH   SOLE 0 0 0 22,737
LAM RESEARCH CORP COM Stock 512807108 922 2,520 SH   SOLE 0 0 0 2,520
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 344 4,833 SH   SOLE 0 0 0 4,833
EXXON MOBIL CORP COM Stock 30231G102 266 3,042 SH   SOLE 0 0 0 3,041
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 6,611 256,255 SH   SOLE 0 0 0 256,255
BLACKROCK INC COM Stock 09247X101 207 376 SH   SOLE 0 0 0 375
ISHARES CORE S&P MID-CAP ETF ETF 464287507 251 1,143 SH   SOLE 0 0 0 1,142
ISHARES MSCI EAFE ETF ETF 464287465 315 5,630 SH   SOLE 0 0 0 5,630
APPLE INC COM Stock 037833100 14,681 106,234 SH   SOLE 0 0 0 106,233
DISNEY WALT CO COM Stock 254687106 389 4,123 SH   SOLE 0 0 0 4,122