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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106   828,744 9,866 SH   SOLE 0 0 0 9,866
INVESCO QQQ TRUST ETF 46090E103   259,452 974 SH   SOLE 0 0 0 974
STARBUCKS CORP COM Stock 855244109   306,480 3,090 SH   SOLE 0 0 0 3,089
JOHNSON & JOHNSON COM Stock 478160104   1,530,846 8,666 SH   SOLE 0 0 0 8,665
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   833,206 4,358 SH   SOLE 0 0 0 4,358
COSTCO WHSL CORP NEW COM Stock 22160K105   245,778 538 SH   SOLE 0 0 0 538
YUM BRANDS INC COM Stock 988498101   297,786 2,325 SH   SOLE 0 0 0 2,325
PROCTER AND GAMBLE CO COM Stock 742718109   255,518 1,686 SH   SOLE 0 0 0 1,685
VANGUARD REAL ESTATE ETF ETF 922908553   1,432,537 17,368 SH   SOLE 0 0 0 17,368
INTEL CORP COM Stock 458140100   450,386 17,041 SH   SOLE 0 0 0 17,040
NETFLIX INC COM Stock 64110L106   249,468 846 SH   SOLE 0 0 0 846
MERCK & CO INC COM Stock 58933Y105   288,692 2,602 SH   SOLE 0 0 0 2,602
SPDR S&P 500 ETF TRUST ETF 78462F103   519,340 1,358 SH   SOLE 0 0 0 1,358
YUM CHINA HLDGS INC COM Stock 98850P109   301,941 5,525 SH   SOLE 0 0 0 5,525
NUVEEN CALIFORNIA AMT QLT MUN COM CEF 670651108   176,554 14,354 SH   SOLE 0 0 0 14,354
ISHARES TIPS BOND ETF ETF 464287176   282,372 2,653 SH   SOLE 0 0 0 2,652
ISHARES COHEN & STEERS REIT ETF ETF 464287564   322,953 5,889 SH   SOLE 0 0 0 5,889
HOME DEPOT INC COM Stock 437076102   775,256 2,454 SH   SOLE 0 0 0 2,454
SPDR GOLD SHARES ETF 78463V107   813,424 4,795 SH   SOLE 0 0 0 4,795
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   986,830 24,360 SH   SOLE 0 0 0 24,360
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   1,114,201 24,865 SH   SOLE 0 0 0 24,865
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   8,969,821 278,479 SH   SOLE 0 0 0 278,479
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   5,627,921 124,649 SH   SOLE 0 0 0 124,649
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   906,115 12,154 SH   SOLE 0 0 0 12,154
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   7,518,548 149,981 SH   SOLE 0 0 0 149,981
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   896,678 30,520 SH   SOLE 0 0 0 30,520
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   631,979 6,678 SH   SOLE 0 0 0 6,677
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   1,876,259 6,074 SH   SOLE 0 0 0 6,074
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   524,450 22,157 SH   SOLE 0 0 0 22,156
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101   247,013 734 SH   SOLE 0 0 0 734
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   6,653,004 88,483 SH   SOLE 0 0 0 88,482
ALPHABET INC CAP STK CL A Stock 02079K305   1,509,351 17,107 SH   SOLE 0 0 0 17,107
INTUIT COM Stock 461202103   217,963 560 SH   SOLE 0 0 0 560
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888   259,766 8,254 SH   SOLE 0 0 0 8,254
MICROSOFT CORP COM Stock 594918104   2,901,182 12,097 SH   SOLE 0 0 0 12,097
SPDR GOLD MINISHARES TRUST ETF 98149E303   1,158,659 32,016 SH   SOLE 0 0 0 32,016
BOEING CO COM Stock 097023105   318,903 1,674 SH   SOLE 0 0 0 1,674
VANGUARD SMALL-CAP ETF ETF 922908751   2,734,430 14,898 SH   SOLE 0 0 0 14,898
VANGUARD MID-CAP ETF ETF 922908629   3,115,182 15,285 SH   SOLE 0 0 0 15,284
VANGUARD LARGE-CAP ETF ETF 922908637   3,430,326 19,692 SH   SOLE 0 0 0 19,691
TESLA INC COM Stock 88160R101   3,509,521 28,491 SH   SOLE 0 0 0 28,491
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654   1,811,326 35,843 SH   SOLE 0 0 0 35,843
VANGUARD HEALTH CARE ETF ETF 92204A504   851,975 3,435 SH   SOLE 0 0 0 3,434
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   1,142,806 17,310 SH   SOLE 0 0 0 17,310
SCHWAB US TIPS ETF ETF 808524870   608,688 11,753 SH   SOLE 0 0 0 11,753
VANGUARD S&P 500 ETF ETF 922908363   6,022,904 17,143 SH   SOLE 0 0 0 17,142
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676   2,501,153 60,502 SH   SOLE 0 0 0 60,502
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   260,241 2,684 SH   SOLE 0 0 0 2,684
SCHWAB U.S. REIT ETF ETF 808524847   1,161,451 60,210 SH   SOLE 0 0 0 60,210
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877   966,693 12,974 SH   SOLE 0 0 0 12,974
SCHWAB U.S. MID-CAP ETF ETF 808524508   6,139,653 93,578 SH   SOLE 0 0 0 93,578
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802   1,269,009 22,927 SH   SOLE 0 0 0 22,927
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   3,157,454 61,049 SH   SOLE 0 0 0 61,049
ISHARES RUSSELL 2000 ETF ETF 464287655   896,559 5,142 SH   SOLE 0 0 0 5,142
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   483,595 7,568 SH   SOLE 0 0 0 7,568
VANGUARD SMALL CAP VALUE ETF ETF 922908611   1,552,687 9,778 SH   SOLE 0 0 0 9,777
INVESCO BULLETSHARES 2030 CORPORATE BOND ETF ETF 46138J460   199,578 12,500 SH   SOLE 0 0 0 12,500
REGENERON PHARMACEUTICALS COM Stock 75886F107   277,052 384 SH   SOLE 0 0 0 384
DIMENSIONAL US CORE EQUITY MARKET ETF ETF 25434V104   245,044 9,069 SH   SOLE 0 0 0 9,069
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203   402,944 16,092 SH   SOLE 0 0 0 16,092
IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200   139,670 26,808 SH   SOLE 0 0 0 26,808
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302   1,501,380 68,400 SH   SOLE 0 0 0 68,400
SCHWAB US AGGREGATE BOND ETF ETF 808524839   1,012,788 22,186 SH   SOLE 0 0 0 22,185
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284   386,569 7,894 SH   SOLE 0 0 0 7,894
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   1,882,386 24,919 SH   SOLE 0 0 0 24,919
INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF ETF 46138J445   203,328 9,381 SH   SOLE 0 0 0 9,381
JPMORGAN SHORT DURATION CORE PLUS ETF ETF 46641Q274   281,512 6,160 SH   SOLE 0 0 0 6,160
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303   1,645,662 33,585 SH   SOLE 0 0 0 33,584
VISA INC COM CL A Stock 92826C839   486,036 2,339 SH   SOLE 0 0 0 2,339
DIMENSIONAL US CORE EQUITY 2 ETF ETF 25434V708   259,304 10,680 SH   SOLE 0 0 0 10,679
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609   6,387,129 145,327 SH   SOLE 0 0 0 145,327
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401   478,473 11,499 SH   SOLE 0 0 0 11,499
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880   1,755,447 81,271 SH   SOLE 0 0 0 81,270
AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349   278,504 5,549 SH   SOLE 0 0 0 5,549
INVESCO BULLETSHARES 2031 CORPORATE BOND ETF ETF 46138J429   397,719 25,252 SH   SOLE 0 0 0 25,252
INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF ETF 46138J411   409,351 19,704 SH   SOLE 0 0 0 19,704
VANGUARD VALUE ETF ETF 922908744   988,651 7,043 SH   SOLE 0 0 0 7,043
VANGUARD GROWTH ETF ETF 922908736   2,501,215 11,737 SH   SOLE 0 0 0 11,736
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408   272,409 11,238 SH   SOLE 0 0 0 11,238
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864   3,016,913 65,457 SH   SOLE 0 0 0 65,457
META PLATFORMS INC CL A Stock 30303M102   696,167 5,785 SH   SOLE 0 0 0 5,785
DIMENSIONAL US REAL ESTATE ETF ETF 25434V823   2,856,984 135,082 SH   SOLE 0 0 0 135,082
DIMENSIONAL US SMALL CAP VALUE ETF ETF 25434V815   634,459 25,614 SH   SOLE 0 0 0 25,614
DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF ETF 25434V781   1,333,844 60,056 SH   SOLE 0 0 0 60,056
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF ETF 25434V799   513,201 22,962 SH   SOLE 0 0 0 22,962
DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724   4,292,474 128,210 SH   SOLE 0 0 0 128,210
WP CAREY INC COM REIT 92936U109   2,678,828 34,278 SH   SOLE 0 0 0 34,278
BROADCOM INC COM Stock 11135F101   535,452 958 SH   SOLE 0 0 0 957
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   8,867,567 189,843 SH   SOLE 0 0 0 189,843
ISHARES CORE MSCI EAFE ETF ETF 46432F842   414,312 6,721 SH   SOLE 0 0 0 6,721
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109   466,156 7,686 SH   SOLE 0 0 0 7,686
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   306,866 1,150 SH   SOLE 0 0 0 1,150
NVIDIA CORPORATION COM Stock 67066G104   355,851 2,435 SH   SOLE 0 0 0 2,435
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646   3,359,148 67,426 SH   SOLE 0 0 0 67,425
PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106   279,282 25,764 SH   SOLE 0 0 0 25,764
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   1,471,550 29,349 SH   SOLE 0 0 0 29,348
BLACKSTONE INC COM Stock 09260D107   332,891 4,487 SH   SOLE 0 0 0 4,487
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343   345,829 14,261 SH   SOLE 0 0 0 14,261
QUALCOMM INC COM Stock 747525103   1,199,585 10,911 SH   SOLE 0 0 0 10,911
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   286,765 3,278 SH   SOLE 0 0 0 3,278
ISHARES S&P 500 VALUE ETF ETF 464287408   390,674 2,693 SH   SOLE 0 0 0 2,693
LULULEMON ATHLETICA INC COM Stock 550021109   638,517 1,993 SH   SOLE 0 0 0 1,993
ISHARES S&P 500 GROWTH ETF ETF 464287309   299,637 5,122 SH   SOLE 0 0 0 5,122
ISHARES CORE S&P 500 ETF ETF 464287200   21,540,414 56,064 SH   SOLE 0 0 0 56,064
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732   2,322,678 103,414 SH   SOLE 0 0 0 103,414
LOCKHEED MARTIN CORP COM Stock 539830109   891,063 1,832 SH   SOLE 0 0 0 1,831
JPMORGAN CHASE & CO COM Stock 46625H100   3,363,922 25,085 SH   SOLE 0 0 0 25,085
JPMORGAN CHASE & CO COM Stock 46625H100   27 200 SH Call SOLE 0 0 0 200
CHEVRON CORP NEW COM Stock 166764100   1,609,376 8,966 SH   SOLE 0 0 0 8,966
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   3,962,933 94,423 SH   SOLE 0 0 0 94,423
BANK AMERICA CORP COM Stock 060505104   847,237 25,581 SH   SOLE 0 0 0 25,580
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805   244,717 5,175 SH   SOLE 0 0 0 5,174
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   249,008 1,767 SH   SOLE 0 0 0 1,767
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   925,253 23,737 SH   SOLE 0 0 0 23,736
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   622,262 5,751 SH   SOLE 0 0 0 5,750
PFIZER INC COM Stock 717081103   1,179,651 23,022 SH   SOLE 0 0 0 23,022
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   718,225 6,812 SH   SOLE 0 0 0 6,812
CATERPILLAR INC COM Stock 149123101   420,493 1,755 SH   SOLE 0 0 0 1,755
ALPHABET INC CAP STK CL C Stock 02079K107   385,088 4,340 SH   SOLE 0 0 0 4,340
AMGEN INC COM Stock 031162100   942,841 3,590 SH   SOLE 0 0 0 3,589
JD.COM INC SPON ADR CL A ADR 47215P106   224,520 4,000 SH   SOLE 0 0 0 4,000
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   920,944 6,065 SH   SOLE 0 0 0 6,064
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   524,522 5,408 SH   SOLE 0 0 0 5,408
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613   418,343 9,311 SH   SOLE 0 0 0 9,311
VANGUARD SHORT-TERM BOND ETF ETF 921937827   1,216,267 16,157 SH   SOLE 0 0 0 16,156
LAM RESEARCH CORP COM Stock 512807108   1,062,178 2,527 SH   SOLE 0 0 0 2,527
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   346,008 4,809 SH   SOLE 0 0 0 4,809
EXXON MOBIL CORP COM Stock 30231G102   335,721 3,044 SH   SOLE 0 0 0 3,043
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   7,874,768 265,233 SH   SOLE 0 0 0 265,233
BLACKROCK INC COM Stock 09247X101   304,712 430 SH   SOLE 0 0 0 430
ISHARES CORE S&P MID-CAP ETF ETF 464287507   276,393 1,143 SH   SOLE 0 0 0 1,142
ISHARES MSCI EAFE ETF ETF 464287465   331,810 5,055 SH   SOLE 0 0 0 5,055
APPLE INC COM Stock 037833100   13,601,553 104,684 SH   SOLE 0 0 0 104,683
DISNEY WALT CO COM Stock 254687106   344,267 3,963 SH   SOLE 0 0 0 3,962