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
Estimated average burden
hours per response: 23.8
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
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   10,971,930 126,463 SH   SOLE   0 0 126,463
ADVANCED MICRO DEVICES INC COM 007903107   206,405 1,812 SH   SOLE   0 0 1,812
ALPHABET INC CAP STK CL C 02079K107   883,081 7,300 SH   SOLE   0 0 7,300
ALPHABET INC CAP STK CL A 02079K305   941,321 7,864 SH   SOLE   0 0 7,864
AMAZON COM INC COM 023135106   333,722 2,560 SH   SOLE   0 0 2,560
APPLE INC COM 037833100   2,660,238 13,715 SH   SOLE   0 0 13,715
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   365,211 1,071 SH   SOLE   0 0 1,071
BILL HOLDINGS INC COM 090043100   1,752,750 15,000 SH   SOLE   0 0 15,000
BRIGHTSPIRE CAPITAL INC COM CL A 10949T109   73,545 10,928 SH   SOLE   0 0 10,928
CHEVRON CORP NEW COM 166764100   268,769 1,708 SH   SOLE   0 0 1,708
CHIPOTLE MEXICAN GRILL INC COM 169656105   346,518 162 SH   SOLE   0 0 162
COPART INC COM 217204106   664,191 7,282 SH   SOLE   0 0 7,282
COSTCO WHSL CORP NEW COM 22160K105   305,261 567 SH   SOLE   0 0 567
DISNEY WALT CO COM 254687106   261,516 2,929 SH   SOLE   0 0 2,929
FORGEROCK INC CL A 34631B101   493,104 24,007 SH   SOLE   0 0 24,007
HOME DEPOT INC COM 437076102   424,250 1,366 SH   SOLE   0 0 1,366
INVESCO QQQ TR UNIT SER 1 46090E103   221,283 599 SH   SOLE   0 0 599
ISHARES TR CORE US AGGBD ET 464287226   3,984,707 40,681 SH   SOLE   0 0 40,681
ISHARES TR MSCI EMG MKT ETF 464287234   4,468,223 112,948 SH   SOLE   0 0 112,948
ISHARES TR IBOXX INV CP ETF 464287242   425,211 3,932 SH   SOLE   0 0 3,932
ISHARES TR MSCI EAFE ETF 464287465   8,089,496 111,579 SH   SOLE   0 0 111,579
ISHARES TR CORE S&P MCP ETF 464287507   275,861 1,055 SH   SOLE   0 0 1,055
ISHARES TR RUS 1000 VAL ETF 464287598   11,937,951 75,638 SH   SOLE   0 0 75,638
ISHARES TR RUS 1000 GRW ETF 464287614   3,358,738 12,206 SH   SOLE   0 0 12,206
ISHARES TR RUSSELL 2000 ETF 464287655   5,403,034 28,852 SH   SOLE   0 0 28,852
ISHARES TR CALIF MUN BD ETF 464288356   755,385 13,264 SH   SOLE   0 0 13,264
ISHARES TR NATIONAL MUN ETF 464288414   5,590,845 52,383 SH   SOLE   0 0 52,383
ISHARES TR CORE HIGH DV ETF 46429B663   571,379 5,669 SH   SOLE   0 0 5,669
JPMORGAN CHASE & CO COM 46625H100   1,408,877 9,687 SH   SOLE   0 0 9,687
KRANESHARES TR KFA MOUNT LUCAS 500767652   1,286,676 42,230 SH   SOLE   0 0 42,230
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   13,191,253 477,425 SH   SOLE   0 0 477,425
MERCK & CO INC COM 58933Y105   549,304 4,760 SH   SOLE   0 0 4,760
MICROSOFT CORP COM 594918104   1,936,992 5,688 SH   SOLE   0 0 5,688
NVIDIA CORPORATION COM 67066G104   602,380 1,424 SH   SOLE   0 0 1,424
PALO ALTO NETWORKS INC COM 697435105   445,098 1,742 SH   SOLE   0 0 1,742
PIONEER NAT RES CO COM 723787107   376,876 1,819 SH   SOLE   0 0 1,819
PROCTER AND GAMBLE CO COM 742718109   474,564 3,127 SH   SOLE   0 0 3,127
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,659,395 15,023 SH   SOLE   0 0 15,023
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   4,055,509 78,443 SH   SOLE   0 0 78,443
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   28,809,937 384,389 SH   SOLE   0 0 384,389
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   28,801,057 429,290 SH   SOLE   0 0 429,290
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   9,996,394 228,228 SH   SOLE   0 0 228,228
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   10,257,370 416,458 SH   SOLE   0 0 416,458
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   812,725 11,191 SH   SOLE   0 0 11,191
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   16,669,158 467,578 SH   SOLE   0 0 467,578
SIMPSON MFG INC COM 829073105   236,835 1,710 SH   SOLE   0 0 1,710
TESLA INC COM 88160R101   806,513 3,081 SH   SOLE   0 0 3,081
VANGUARD WORLD FD MEGA CAP INDEX 921910873   28,367,137 181,306 SH   SOLE   0 0 181,306
VANGUARD BD INDEX FDS INTERMED TERM 921937819   19,699,953 261,863 SH   SOLE   0 0 261,863
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   837,164 11,078 SH   SOLE   0 0 11,078
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   503,270 10,898 SH   SOLE   0 0 10,898
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   442,206 4,169 SH   SOLE   0 0 4,169
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   3,485,812 59,424 SH   SOLE   0 0 59,424
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   5,673,253 112,968 SH   SOLE   0 0 112,968
VANGUARD INDEX FDS SM CP VAL ETF 922908611   591,405 3,576 SH   SOLE   0 0 3,576
VANGUARD INDEX FDS MID CAP ETF 922908629   378,675 1,720 SH   SOLE   0 0 1,720
VANGUARD INDEX FDS LARGE CAP ETF 922908637   203,936 1,006 SH   SOLE   0 0 1,006
VANGUARD INDEX FDS SMALL CP ETF 922908751   325,782 1,638 SH   SOLE   0 0 1,638
VISA INC COM CL A 92826C839   309,674 1,304 SH   SOLE   0 0 1,304