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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
ALPHABET INC CAP STK CL A 02079K305   892,858 6,823 SH   SOLE 0 0 0 6,823
ALPHABET INC CAP STK CL C 02079K107   1,761,252 13,358 SH   SOLE 0 0 0 13,358
AMAZON COM INC COM 023135106   720,389 5,667 SH   SOLE 0 0 0 5,667
AMERICAN CENTY ETF TR US EQT ETF 025072885   7,067,241 96,468 SH   SOLE 0 0 0 96,468
AMERICAN CENTY ETF TR US QUALITY GROW 025072307   211,691 3,141 SH   SOLE 0 0 0 3,141
APPLE INC COM 037833100   5,816,129 33,971 SH   SOLE 0 0 0 33,971
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   352,402 1,006 SH   SOLE 0 0 0 1,006
CHEVRON CORP NEW COM 166764100   210,030 1,246 SH   SOLE 0 0 0 1,246
COMCAST CORP NEW CL A 20030N101   1,272,452 28,698 SH   SOLE 0 0 0 28,698
DBX ETF TR XTRCKR MSCI US 233051150   3,464,089 87,345 SH   SOLE 0 0 0 87,345
DBX ETF TR XTKR EMGRIN MKTS 233051192   1,009,246 38,987 SH   SOLE 0 0 0 38,987
DECKERS OUTDOOR CORP COM 243537107   6,007,656 11,686 SH   SOLE 0 0 0 11,686
EXXON MOBIL CORP COM 30231G102   246,230 2,094 SH   SOLE 0 0 0 2,094
FIRST TR EXCH TRADED FD III LNG/SHT EQUITY 33739P103   4,908,031 92,343 SH   SOLE 0 0 0 92,343
FLEXSHARES TR MORNSTAR UPSTR 33939L407   6,201,164 153,342 SH   SOLE 0 0 0 153,342
FLEXSHARES TR STOXX GLOBR INF 33939L795   1,696,789 35,034 SH   SOLE 0 0 0 35,034
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230   3,903,485 78,164 SH   SOLE 0 0 0 78,164
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   21,578,564 718,567 SH   SOLE 0 0 0 718,567
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   5,069,387 157,974 SH   SOLE 0 0 0 157,974
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   21,476,671 715,174 SH   SOLE 0 0 0 715,174
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804   32,157,647 720,539 SH   SOLE 0 0 0 720,539
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   209,532 8,928 SH   SOLE 0 0 0 8,928
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   4,694,665 208,652 SH   SOLE 0 0 0 208,652
INVESCO QQQ TR UNIT SER 1 46090E103   408,690 1,141 SH   SOLE 0 0 0 1,141
ISHARES INC MSCI EMERG MRKT 464286533   15,610,245 292,601 SH   SOLE 0 0 0 292,601
ISHARES TR CORE S&P US GWT 464287671   7,105,591 74,930 SH   SOLE 0 0 0 74,930
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,613,807 67,893 SH   SOLE 0 0 0 67,893
ISHARES TR MSCI KLD400 SOC 464288570   3,644,411 44,766 SH   SOLE 0 0 0 44,766
ISHARES TR CORE S&P SCP ETF 464287804   1,891,128 20,048 SH   SOLE 0 0 0 20,048
ISHARES TR ESG AWR US AGRGT 46435U549   1,842,676 40,677 SH   SOLE 0 0 0 40,677
ISHARES TR ESG AW MSCI EAFE 46435G516   1,487,980 21,524 SH   SOLE 0 0 0 21,524
ISHARES TR RUSEL 2500 ETF 46435G268   18,399,132 337,537 SH   SOLE 0 0 0 337,537
ISHARES TR MSCI GBL SUS DEV 46435G532   368,431 4,944 SH   SOLE 0 0 0 4,944
ISHARES TR SHRT NAT MUN ETF 464288158   9,545,582 92,802 SH   SOLE 0 0 0 92,802
ISHARES TR NATIONAL MUN ETF 464288414   5,082,023 49,561 SH   SOLE 0 0 0 49,561
ISHARES TR USD GRN BOND ETF 46435U440   443,075 9,818 SH   SOLE 0 0 0 9,818
ISHARES TR RUS 1000 GRW ETF 464287614   1,184,848 4,454 SH   SOLE 0 0 0 4,454
ISHARES TR S&P 500 GRWT ETF 464287309   388,299 5,675 SH   SOLE 0 0 0 5,675
ISHARES TR CALIF MUN BD ETF 464288356   28,060,742 511,684 SH   SOLE 0 0 0 511,684
ISHARES TR CORE DIV GRWTH 46434V621   2,332,411 47,091 SH   SOLE 0 0 0 47,091
ISHARES TR CORE INTL AGGR 46435G672   11,246,758 230,561 SH   SOLE 0 0 0 230,561
ISHARES TR CORE MSCI EAFE 46432F842   4,824,388 74,971 SH   SOLE 0 0 0 74,971
ISHARES TR INTL EQTY FACTOR 46434V274   5,187,634 200,682 SH   SOLE 0 0 0 200,682
ISHARES TR CORE 1 5 YR USD 46432F859   11,301,481 243,671 SH   SOLE 0 0 0 243,671
ISHARES TR MSCI EAFE ETF 464287465   3,238,858 46,994 SH   SOLE 0 0 0 46,994
ISHARES TR CORE S&P500 ETF 464287200   264,708 616 SH   SOLE 0 0 0 616
ISHARES TR GLB INFRASTR ETF 464288372   861,441 19,899 SH   SOLE 0 0 0 19,899
ISHARES TR MSCI USA ESG SLC 464288802   234,121 2,602 SH   SOLE 0 0 0 2,602
ISHARES TR US INFRASTRUC 46435U713   6,082,675 166,239 SH   SOLE 0 0 0 166,239
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   332,937 6,635 SH   SOLE 0 0 0 6,635
MARQETA INC CLASS A COM 57142B104   206,896 34,598 SH   SOLE 0 0 0 34,598
MICROSOFT CORP COM 594918104   610,272 1,933 SH   SOLE 0 0 0 1,933
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   1,057,070 30,358 SH   SOLE 0 0 0 30,358
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   1,476,470 54,044 SH   SOLE 0 0 0 54,044
NVIDIA CORPORATION COM 67066G104   651,409 1,498 SH   SOLE 0 0 0 1,498
ORACLE CORP COM 68389X105   299,180 2,825 SH   SOLE 0 0 0 2,825
PACER FDS TR US CASH COWS 100 69374H881   25,429,677 514,458 SH   SOLE 0 0 0 514,458
PEPSICO INC COM 713448108   261,276 1,542 SH   SOLE 0 0 0 1,542
PURE STORAGE INC CL A 74624M102   268,076 7,526 SH   SOLE 0 0 0 7,526
SALESFORCE INC COM 79466L302   407,588 2,010 SH   SOLE 0 0 0 2,010
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   226,518 4,544 SH   SOLE 0 0 0 4,544
SCHWAB STRATEGIC TR US REIT ETF 808524847   711,454 40,082 SH   SOLE 0 0 0 40,082
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   267,876 5,294 SH   SOLE 0 0 0 5,294
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   216,328 3,057 SH   SOLE 0 0 0 3,057
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   219,008 6,449 SH   SOLE 0 0 0 6,449
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   52,797,927 726,044 SH   SOLE 0 0 0 726,044
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   5,484,843 160,987 SH   SOLE 0 0 0 160,987
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152   1,153,362 21,786 SH   SOLE 0 0 0 21,786
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   3,354,670 50,040 SH   SOLE 0 0 0 50,040
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   521,790 9,364 SH   SOLE 0 0 0 9,364
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   21,796,108 702,874 SH   SOLE 0 0 0 702,874
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   12,024,198 665,055 SH   SOLE 0 0 0 665,055
SPDR SER TR PRTFLO S&P500 VL 78464A508   307,595 7,455 SH   SOLE 0 0 0 7,455
SPDR SER TR S&P DIVID ETF 78464A763   235,278 2,046 SH   SOLE 0 0 0 2,046
SPDR SER TR PORTFOLIO S&P600 78468R853   601,196 16,293 SH   SOLE 0 0 0 16,293
SPDR SER TR PRTFLO S&P500 GW 78464A409   563,941 9,513 SH   SOLE 0 0 0 9,513
SPDR SER TR PORTFOLIO S&P400 78464A847   2,483,866 56,722 SH   SOLE 0 0 0 56,722
SPDR SER TR NUVEEN BLMBRG SH 78468R739   6,125,795 132,507 SH   SOLE 0 0 0 132,507
SPDR SER TR PORTFOLIO S&P500 78464A854   315,643 6,280 SH   SOLE 0 0 0 6,280
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   259,823 3,723 SH   SOLE 0 0 0 3,723
VANGUARD BD INDEX FDS INTERMED TERM 921937819   44,273,062 612,267 SH   SOLE 0 0 0 612,267
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   200,817 1,031 SH   SOLE 0 0 0 1,031
VANGUARD INDEX FDS SMALL CP ETF 922908751   944,231 4,994 SH   SOLE 0 0 0 4,994
VANGUARD INDEX FDS TOTAL STK MKT 922908769   204,937 965 SH   SOLE 0 0 0 965
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,535,112 33,507 SH   SOLE 0 0 0 33,507
VANGUARD INDEX FDS MID CAP ETF 922908629   2,921,276 14,028 SH   SOLE 0 0 0 14,028
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   42,391,244 107,948 SH   SOLE 0 0 0 107,948
VANGUARD INDEX FDS GROWTH ETF 922908736   6,377,735 23,421 SH   SOLE 0 0 0 23,421
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,768,535 36,768 SH   SOLE 0 0 0 36,768
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   9,529,111 61,328 SH   SOLE 0 0 0 61,328
VANGUARD STAR FDS VG TL INTL STK F 921909768   4,853,160 90,679 SH   SOLE 0 0 0 90,679
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   497,757 11,385 SH   SOLE 0 0 0 11,385
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,258,231 12,178 SH   SOLE 0 0 0 12,178
VANGUARD WORLD FD ESG US STK ETF 921910733   220,353 2,929 SH   SOLE 0 0 0 2,929
VISA INC COM CL A 92826C839   257,173 1,118 SH   SOLE 0 0 0 1,118