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
ALPHABET INC CAP STK CL A 02079K305   1,048,209 6,945 SH   SOLE 0 0 0 6,945
ALPHABET INC CAP STK CL C 02079K107   1,732,414 11,378 SH   SOLE 0 0 0 11,378
AMAZON COM INC COM 023135106   1,049,992 5,821 SH   SOLE 0 0 0 5,821
AMERICAN CENTY ETF TR US EQT ETF 025072885   7,739,455 86,474 SH   SOLE 0 0 0 86,474
APPLE INC COM 037833100   5,376,019 31,351 SH   SOLE 0 0 0 31,351
BANK AMERICA CORP COM 060505104   249,373 6,576 SH   SOLE 0 0 0 6,576
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   414,212 985 SH   SOLE 0 0 0 985
BIO RAD LABS INC CL A 090572207   899,954 2,602 SH   SOLE 0 0 0 2,602
BOX INC CL A 10316T104   407,921 14,404 SH   SOLE 0 0 0 14,404
COMCAST CORP NEW CL A 20030N101   1,253,221 28,909 SH   SOLE 0 0 0 28,909
DBX ETF TR XTRCKR MSCI US 233051150   4,552,583 92,232 SH   SOLE 0 0 0 92,232
DBX ETF TR XTKR EMGRIN MKTS 233051192   1,216,722 42,933 SH   SOLE 0 0 0 42,933
DISNEY WALT CO COM 254687106   200,708 1,640 SH   SOLE 0 0 0 1,640
EXXON MOBIL CORP COM 30231G102   240,204 2,066 SH   SOLE 0 0 0 2,066
FIRST TR EXCH TRADED FD III LNG/SHT EQUITY 33739P103   5,571,617 90,360 SH   SOLE 0 0 0 90,360
FLEXSHARES TR MORNSTAR UPSTR 33939L407   6,638,470 161,638 SH   SOLE 0 0 0 161,638
FLEXSHARES TR STOXX GLOBR INF 33939L795   1,871,008 34,276 SH   SOLE 0 0 0 34,276
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230   2,667,465 52,973 SH   SOLE 0 0 0 52,973
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   24,783,344 722,757 SH   SOLE 0 0 0 722,757
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   4,443,853 131,709 SH   SOLE 0 0 0 131,709
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   24,037,061 778,150 SH   SOLE 0 0 0 778,150
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804   43,738,818 934,390 SH   SOLE 0 0 0 934,390
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   5,754,744 240,885 SH   SOLE 0 0 0 240,885
INVESCO QQQ TR UNIT SER 1 46090E103   449,417 1,012 SH   SOLE 0 0 0 1,012
ISHARES INC MSCI EMERG MRKT 464286533   16,783,944 296,589 SH   SOLE 0 0 0 296,589
ISHARES TR CORE S&P SCP ETF 464287804   1,997,022 18,069 SH   SOLE 0 0 0 18,069
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,887,584 77,107 SH   SOLE 0 0 0 77,107
ISHARES TR MSCI KLD400 SOC 464288570   4,736,769 46,987 SH   SOLE 0 0 0 46,987
ISHARES TR ESG AWR US AGRGT 46435U549   2,317,422 49,244 SH   SOLE 0 0 0 49,244
ISHARES TR ESG AW MSCI EAFE 46435G516   1,848,804 23,136 SH   SOLE 0 0 0 23,136
ISHARES TR MSCI GBL SUS DEV 46435G532   386,762 4,914 SH   SOLE 0 0 0 4,914
ISHARES TR RUSEL 2500 ETF 46435G268   22,126,721 337,246 SH   SOLE 0 0 0 337,246
ISHARES TR SHRT NAT MUN ETF 464288158   9,868,261 94,226 SH   SOLE 0 0 0 94,226
ISHARES TR NATIONAL MUN ETF 464288414   3,122,419 29,019 SH   SOLE 0 0 0 29,019
ISHARES TR USD GRN BOND ETF 46435U440   567,296 12,098 SH   SOLE 0 0 0 12,098
ISHARES TR CORE S&P US GWT 464287671   9,695,338 82,718 SH   SOLE 0 0 0 82,718
ISHARES TR CORE MSCI EAFE 46432F842   5,320,898 71,691 SH   SOLE 0 0 0 71,691
ISHARES TR S&P 500 GRWT ETF 464287309   468,503 5,548 SH   SOLE 0 0 0 5,548
ISHARES TR RUS 1000 GRW ETF 464287614   1,414,064 4,195 SH   SOLE 0 0 0 4,195
ISHARES TR CORE INTL AGGR 46435G672   13,308,424 266,435 SH   SOLE 0 0 0 266,435
ISHARES TR CALIF MUN BD ETF 464288356   17,500,187 304,140 SH   SOLE 0 0 0 304,140
ISHARES TR GRWT ALLOCAT ETF 464289867   317,980 5,712 SH   SOLE 0 0 0 5,712
ISHARES TR CORE DIV GRWTH 46434V621   2,362,375 40,689 SH   SOLE 0 0 0 40,689
ISHARES TR INTL EQTY FACTOR 46434V274   5,537,489 185,573 SH   SOLE 0 0 0 185,573
ISHARES TR CORE S&P500 ETF 464287200   292,976 557 SH   SOLE 0 0 0 557
ISHARES TR MSCI USA ESG SLC 464288802   275,719 2,526 SH   SOLE 0 0 0 2,526
ISHARES TR US INFRASTRUC 46435U713   7,389,110 170,413 SH   SOLE 0 0 0 170,413
ISHARES TR MSCI EAFE ETF 464287465   4,233,453 53,011 SH   SOLE 0 0 0 53,011
ISHARES TR CORE 1 5 YR USD 46432F859   6,766,085 142,624 SH   SOLE 0 0 0 142,624
ISHARES TR GLB INFRASTR ETF 464288372   983,171 20,646 SH   SOLE 0 0 0 20,646
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   4,051,386 79,846 SH   SOLE 0 0 0 79,846
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   265,356 5,260 SH   SOLE 0 0 0 5,260
MARQETA INC CLASS A COM 57142B104   206,204 34,598 SH   SOLE 0 0 0 34,598
META PLATFORMS INC CL A 30303M102   437,508 901 SH   SOLE 0 0 0 901
MICROSOFT CORP COM 594918104   888,257 2,111 SH   SOLE 0 0 0 2,111
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   1,398,065 33,615 SH   SOLE 0 0 0 33,615
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   1,781,824 57,349 SH   SOLE 0 0 0 57,349
NVIDIA CORPORATION COM 67066G104   1,444,382 1,599 SH   SOLE 0 0 0 1,599
ORACLE CORP COM 68389X105   363,764 2,896 SH   SOLE 0 0 0 2,896
PACER FDS TR US CASH COWS 100 69374H881   28,434,042 489,314 SH   SOLE 0 0 0 489,314
PEPSICO INC COM 713448108   283,866 1,622 SH   SOLE 0 0 0 1,622
SALESFORCE INC COM 79466L302   702,352 2,332 SH   SOLE 0 0 0 2,332
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   340,110 5,571 SH   SOLE 0 0 0 5,571
SCHWAB STRATEGIC TR US REIT ETF 808524847   2,110,236 103,953 SH   SOLE 0 0 0 103,953
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   405,574 14,610 SH   SOLE 0 0 0 14,610
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   374,408 6,033 SH   SOLE 0 0 0 6,033
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   251,640 6,449 SH   SOLE 0 0 0 6,449
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   61,330,342 661,458 SH   SOLE 0 0 0 661,458
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   7,394,372 187,057 SH   SOLE 0 0 0 187,057
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152   1,310,710 24,014 SH   SOLE 0 0 0 24,014
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   4,353,564 57,216 SH   SOLE 0 0 0 57,216
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   952,635 16,445 SH   SOLE 0 0 0 16,445
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   25,445,771 709,982 SH   SOLE 0 0 0 709,982
SPDR SER TR PRTFLO S&P500 VL 78464A508   325,121 6,489 SH   SOLE 0 0 0 6,489
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   13,862,781 743,711 SH   SOLE 0 0 0 743,711
SPDR SER TR NUVEEN BLMBRG SH 78468R739   6,406,994 135,055 SH   SOLE 0 0 0 135,055
SPDR SER TR PORTFOLIO S&P500 78464A854   368,791 5,994 SH   SOLE 0 0 0 5,994
SPDR SER TR PORTFOLIO S&P400 78464A847   2,914,651 54,643 SH   SOLE 0 0 0 54,643
SPDR SER TR PORTFOLIO S&P600 78468R853   614,084 14,268 SH   SOLE 0 0 0 14,268
SPDR SER TR PRTFLO S&P500 GW 78464A409   689,591 9,427 SH   SOLE 0 0 0 9,427
VANGUARD BD INDEX FDS INTERMED TERM 921937819   51,051,275 677,073 SH   SOLE 0 0 0 677,073
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   51,683,174 107,516 SH   SOLE 0 0 0 107,516
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,896,983 8,299 SH   SOLE 0 0 0 8,299
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,544,338 5,942 SH   SOLE 0 0 0 5,942
VANGUARD INDEX FDS MID CAP ETF 922908629   3,296,381 13,193 SH   SOLE 0 0 0 13,193
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   863,464 9,985 SH   SOLE 0 0 0 9,985
VANGUARD INDEX FDS GROWTH ETF 922908736   7,353,207 21,363 SH   SOLE 0 0 0 21,363
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   854,140 16,880 SH   SOLE 0 0 0 16,880
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   10,056,181 55,069 SH   SOLE 0 0 0 55,069
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,169,360 85,727 SH   SOLE 0 0 0 85,727
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   536,980 10,703 SH   SOLE 0 0 0 10,703
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   605,192 5,002 SH   SOLE 0 0 0 5,002
VISA INC COM CL A 92826C839   326,086 1,168 SH   SOLE 0 0 0 1,168
WELLS FARGO CO NEW COM 949746101   218,468 3,769 SH   SOLE 0 0 0 3,769