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   1,008,730 9,766 SH   SOLE 0 0 0 9,766
INVESCO QQQ TRUST ETF 46090E103   312,721 974 SH   SOLE 0 0 0 974
STARBUCKS CORP COM Stock 855244109   324,610 3,117 SH   SOLE 0 0 0 3,117
JOHNSON & JOHNSON COM Stock 478160104   1,282,165 8,272 SH   SOLE 0 0 0 8,272
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   925,389 4,534 SH   SOLE 0 0 0 4,534
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   203,072 3,278 SH   SOLE 0 0 0 3,278
COSTCO WHSL CORP NEW COM Stock 22160K105   267,532 538 SH   SOLE 0 0 0 538
YUM BRANDS INC COM Stock 988498101   307,086 2,325 SH   SOLE 0 0 0 2,325
PROCTER AND GAMBLE CO COM Stock 742718109   260,815 1,754 SH   SOLE 0 0 0 1,754
UNITED PARCEL SERVICE INC CL B Stock 911312106   206,987 1,067 SH   SOLE 0 0 0 1,067
VANGUARD REAL ESTATE ETF ETF 922908553   1,469,540 17,697 SH   SOLE 0 0 0 17,696
INTEL CORP COM Stock 458140100   457,509 14,004 SH   SOLE 0 0 0 14,003
NETFLIX INC COM Stock 64110L106   292,276 846 SH   SOLE 0 0 0 846
MERCK & CO INC COM Stock 58933Y105   276,827 2,602 SH   SOLE 0 0 0 2,602
SPDR S&P 500 ETF TRUST ETF 78462F103   555,952 1,358 SH   SOLE 0 0 0 1,358
YUM CHINA HLDGS INC COM Stock 98850P109   284,811 4,493 SH   SOLE 0 0 0 4,493
NUVEEN CALIFORNIA AMT QLT MUN COM CEF 670651108   167,081 14,354 SH   SOLE 0 0 0 14,354
ISHARES TIPS BOND ETF ETF 464287176   292,479 2,653 SH   SOLE 0 0 0 2,652
ISHARES COHEN & STEERS REIT ETF ETF 464287564   327,075 5,889 SH   SOLE 0 0 0 5,889
FEDEX CORP COM Stock 31428X106   211,125 924 SH   SOLE 0 0 0 924
HOME DEPOT INC COM Stock 437076102   726,792 2,463 SH   SOLE 0 0 0 2,462
INVESCO CALIFORNIA AMT-FREE MUNICIPAL BOND ETF ETF 46138E206   203,238 8,205 SH   SOLE 0 0 0 8,205
SPDR GOLD SHARES ETF 78463V107   905,656 4,943 SH   SOLE 0 0 0 4,943
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   976,535 23,290 SH   SOLE 0 0 0 23,289
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   1,230,750 25,721 SH   SOLE 0 0 0 25,721
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   9,647,791 277,235 SH   SOLE 0 0 0 277,235
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   5,832,410 120,579 SH   SOLE 0 0 0 120,579
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   892,440 11,945 SH   SOLE 0 0 0 11,945
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837   7,663,434 152,294 SH   SOLE 0 0 0 152,294
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474   845,433 28,533 SH   SOLE 0 0 0 28,533
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   645,847 6,679 SH   SOLE 0 0 0 6,678
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   1,941,855 6,289 SH   SOLE 0 0 0 6,289
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   497,455 20,288 SH   SOLE 0 0 0 20,287
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101   282,862 734 SH   SOLE 0 0 0 734
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409   6,351,289 83,317 SH   SOLE 0 0 0 83,317
ALPHABET INC CAP STK CL A Stock 02079K305   1,734,158 16,718 SH   SOLE 0 0 0 16,718
INTUIT COM Stock 461202103   249,665 560 SH   SOLE 0 0 0 560
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888   277,278 8,225 SH   SOLE 0 0 0 8,225
MICROSOFT CORP COM Stock 594918104   3,826,210 13,272 SH   SOLE 0 0 0 13,271
SPDR GOLD MINISHARES TRUST ETF 98149E303   1,222,344 31,254 SH   SOLE 0 0 0 31,254
BOEING CO COM Stock 097023105   355,633 1,674 SH   SOLE 0 0 0 1,674
VANGUARD SMALL-CAP ETF ETF 922908751   2,771,502 14,621 SH   SOLE 0 0 0 14,620
VANGUARD MID-CAP ETF ETF 922908629   3,229,890 15,313 SH   SOLE 0 0 0 15,313
VANGUARD LARGE-CAP ETF ETF 922908637   3,699,938 19,806 SH   SOLE 0 0 0 19,805
TESLA INC COM Stock 88160R101   5,977,545 28,813 SH   SOLE 0 0 0 28,813
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654   1,173,655 23,108 SH   SOLE 0 0 0 23,108
VANGUARD HEALTH CARE ETF ETF 92204A504   822,764 3,450 SH   SOLE 0 0 0 3,450
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   1,110,335 16,931 SH   SOLE 0 0 0 16,931
SCHWAB US TIPS ETF ETF 808524870   626,540 11,687 SH   SOLE 0 0 0 11,687
VANGUARD S&P 500 ETF ETF 922908363   6,317,144 16,798 SH   SOLE 0 0 0 16,797
VANGUARD GLOBAL EX-U.S. REAL ESTATE ETF ETF 922042676   2,516,395 62,026 SH   SOLE 0 0 0 62,026
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   229,023 2,308 SH   SOLE 0 0 0 2,308
SCHWAB U.S. REIT ETF ETF 808524847   1,108,809 56,862 SH   SOLE 0 0 0 56,862
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877   935,156 12,627 SH   SOLE 0 0 0 12,627
SCHWAB U.S. MID-CAP ETF ETF 808524508   6,402,733 94,366 SH   SOLE 0 0 0 94,366
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802   1,258,724 21,524 SH   SOLE 0 0 0 21,524
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   3,662,631 66,340 SH   SOLE 0 0 0 66,340
ISHARES RUSSELL 2000 ETF ETF 464287655   917,333 5,142 SH   SOLE 0 0 0 5,142
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354   454,459 7,283 SH   SOLE 0 0 0 7,283
VANGUARD SMALL CAP VALUE ETF ETF 922908611   1,524,876 9,605 SH   SOLE 0 0 0 9,604
INVESCO BULLETSHARES 2030 CORPORATE BOND ETF ETF 46138J460   206,125 12,500 SH   SOLE 0 0 0 12,500
REGENERON PHARMACEUTICALS COM Stock 75886F107   315,521 384 SH   SOLE 0 0 0 384
DIMENSIONAL US CORE EQUITY MARKET ETF ETF 25434V104   263,850 9,171 SH   SOLE 0 0 0 9,171
DIMENSIONAL INTERNATIONAL CORE EQUITY MARKET ETF ETF 25434V203   433,679 16,092 SH   SOLE 0 0 0 16,092
IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200   74,258 26,808 SH   SOLE 0 0 0 26,808
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302   1,476,457 64,138 SH   SOLE 0 0 0 64,138
SCHWAB US AGGREGATE BOND ETF ETF 808524839   1,036,249 22,090 SH   SOLE 0 0 0 22,090
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284   395,332 15,788 SH   SOLE 0 0 0 15,788
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   1,895,146 25,904 SH   SOLE 0 0 0 25,904
INVESCO BULLETSHARES 2030 MUNICIPAL BOND ETF ETF 46138J445   208,540 9,381 SH   SOLE 0 0 0 9,381
JPMORGAN SHORT DURATION CORE PLUS ETF ETF 46641Q274   285,088 6,160 SH   SOLE 0 0 0 6,160
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303   1,412,538 28,687 SH   SOLE 0 0 0 28,686
VISA INC COM CL A Stock 92826C839   527,460 2,339 SH   SOLE 0 0 0 2,339
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708   465,156 18,256 SH   SOLE 0 0 0 18,255
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609   6,386,549 143,518 SH   SOLE 0 0 0 143,517
DIMENSIONAL U.S. EQUITY ETF ETF 25434V401   434,525 9,780 SH   SOLE 0 0 0 9,780
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880   2,030,024 88,032 SH   SOLE 0 0 0 88,032
AVANTIS U.S. LARGE CAP VALUE ETF ETF 025072349   289,896 5,672 SH   SOLE 0 0 0 5,672
INVESCO BULLETSHARES 2031 CORPORATE BOND ETF ETF 46138J429   410,196 25,252 SH   SOLE 0 0 0 25,252
INVESCO BULLETSHARES 2031 MUNICIPAL BOND ETF ETF 46138J411   422,040 19,704 SH   SOLE 0 0 0 19,704
VANGUARD VALUE ETF ETF 922908744   961,132 6,959 SH   SOLE 0 0 0 6,959
VANGUARD GROWTH ETF ETF 922908736   2,908,016 11,658 SH   SOLE 0 0 0 11,658
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408   284,219 11,442 SH   SOLE 0 0 0 11,442
DIMENSIONAL SHORT-DURATION FIXED INCOME ETF ETF 25434V864   3,228,032 69,182 SH   SOLE 0 0 0 69,182
META PLATFORMS INC CL A Stock 30303M102   1,215,476 5,735 SH   SOLE 0 0 0 5,735
DIMENSIONAL US REAL ESTATE ETF ETF 25434V823   3,008,493 139,995 SH   SOLE 0 0 0 139,995
DIMENSIONAL US SMALL CAP VALUE ETF ETF 25434V815   703,824 28,232 SH   SOLE 0 0 0 28,232
DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF ETF 25434V781   1,503,048 63,140 SH   SOLE 0 0 0 63,140
DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF ETF 25434V799   552,581 22,962 SH   SOLE 0 0 0 22,962
JPMORGAN INFLATION MANAGED BOND ETF ETF 46654Q104   218,733 4,606 SH   SOLE 0 0 0 4,605
DIMENSIONAL US MARKETWIDE VALUE ETF ETF 25434V724   4,496,937 134,317 SH   SOLE 0 0 0 134,317
ISHARES IBONDS DEC 2032 TERM CORPORATE ETF ETF 46436E312   332,228 13,252 SH   SOLE 0 0 0 13,252
WP CAREY INC COM REIT 92936U109   2,771,423 35,783 SH   SOLE 0 0 0 35,783
BROADCOM INC COM Stock 11135F101   617,661 963 SH   SOLE 0 0 0 962
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805   8,326,610 174,124 SH   SOLE 0 0 0 174,124
ISHARES CORE MSCI EAFE ETF ETF 46432F842   449,330 6,721 SH   SOLE 0 0 0 6,721
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109   465,695 7,686 SH   SOLE 0 0 0 7,686
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   328,682 1,150 SH   SOLE 0 0 0 1,150
NVIDIA CORPORATION COM Stock 67066G104   672,203 2,420 SH   SOLE 0 0 0 2,420
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646   2,868,330 56,754 SH   SOLE 0 0 0 56,753
PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106   282,631 25,764 SH   SOLE 0 0 0 25,764
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   1,488,500 27,838 SH   SOLE 0 0 0 27,838
BLACKSTONE INC COM Stock 09260D107   394,138 4,487 SH   SOLE 0 0 0 4,487
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343   332,648 14,261 SH   SOLE 0 0 0 14,261
QUALCOMM INC COM Stock 747525103   1,394,960 10,934 SH   SOLE 0 0 0 10,934
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   271,819 3,282 SH   SOLE 0 0 0 3,281
ISHARES S&P 500 VALUE ETF ETF 464287408   408,690 2,693 SH   SOLE 0 0 0 2,693
LULULEMON ATHLETICA INC COM Stock 550021109   726,923 1,996 SH   SOLE 0 0 0 1,996
ISHARES S&P 500 GROWTH ETF ETF 464287309   327,245 5,122 SH   SOLE 0 0 0 5,122
ISHARES CORE S&P 500 ETF ETF 464287200   23,334,690 56,764 SH   SOLE 0 0 0 56,764
DIMENSIONAL EMERGING MARKETS CORE EQUITY 2 ETF ETF 25434V732   3,271,980 138,702 SH   SOLE 0 0 0 138,702
LOCKHEED MARTIN CORP COM Stock 539830109   875,271 1,852 SH   SOLE 0 0 0 1,851
JPMORGAN CHASE & CO COM Stock 46625H100   3,232,904 24,809 SH   SOLE 0 0 0 24,809
CHEVRON CORP NEW COM Stock 166764100   1,456,834 8,929 SH   SOLE 0 0 0 8,928
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   4,262,151 94,358 SH   SOLE 0 0 0 94,358
BANK AMERICA CORP COM Stock 060505104   726,515 25,403 SH   SOLE 0 0 0 25,402
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805   260,984 5,175 SH   SOLE 0 0 0 5,175
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   232,327 1,772 SH   SOLE 0 0 0 1,772
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   946,238 23,422 SH   SOLE 0 0 0 23,421
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   611,190 5,793 SH   SOLE 0 0 0 5,793
PFIZER INC COM Stock 717081103   936,444 22,952 SH   SOLE 0 0 0 22,952
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   692,203 6,315 SH   SOLE 0 0 0 6,315
CATERPILLAR INC COM Stock 149123101   401,740 1,756 SH   SOLE 0 0 0 1,755
ALPHABET INC CAP STK CL C Stock 02079K107   435,760 4,190 SH   SOLE 0 0 0 4,190
AMGEN INC COM Stock 031162100   856,916 3,545 SH   SOLE 0 0 0 3,544
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   931,176 6,046 SH   SOLE 0 0 0 6,046
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   519,523 5,214 SH   SOLE 0 0 0 5,214
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613   344,141 7,457 SH   SOLE 0 0 0 7,457
VANGUARD SHORT-TERM BOND ETF ETF 921937827   1,037,269 13,561 SH   SOLE 0 0 0 13,560
LAM RESEARCH CORP COM Stock 512807108   1,381,322 2,606 SH   SOLE 0 0 0 2,605
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   331,787 4,787 SH   SOLE 0 0 0 4,787
EXXON MOBIL CORP COM Stock 30231G102   333,964 3,045 SH   SOLE 0 0 0 3,045
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   8,402,817 261,607 SH   SOLE 0 0 0 261,607
BLACKROCK INC COM Stock 09247X101   251,741 376 SH   SOLE 0 0 0 376
ISHARES CORE S&P MID-CAP ETF ETF 464287507   285,843 1,143 SH   SOLE 0 0 0 1,142
ISHARES MSCI EAFE ETF ETF 464287465   361,534 5,055 SH   SOLE 0 0 0 5,055
APPLE INC COM Stock 037833100   17,046,783 103,376 SH   SOLE 0 0 0 103,376
DISNEY WALT CO COM Stock 254687106   411,790 4,113 SH   SOLE 0 0 0 4,112