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
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   11,155,813 132,563 SH   SOLE   0 0 132,563
ALPHABET INC CAP STK CL C 02079K107   871,529 6,610 SH   SOLE   0 0 6,610
ALPHABET INC CAP STK CL A 02079K305   843,262 6,444 SH   SOLE   0 0 6,444
AMAZON COM INC COM 023135106   325,427 2,560 SH   SOLE   0 0 2,560
AMGEN INC COM 031162100   207,677 773 SH   SOLE   0 0 773
APPLE INC COM 037833100   2,611,755 15,255 SH   SOLE   0 0 15,255
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   375,171 1,071 SH   SOLE   0 0 1,071
BILL HOLDINGS INC COM 090043100   1,628,550 15,000 SH   SOLE   0 0 15,000
BRIGHTSPIRE CAPITAL INC COM CL A 10949T109   68,409 10,928 SH   SOLE   0 0 10,928
CHEVRON CORP NEW COM 166764100   288,217 1,709 SH   SOLE   0 0 1,709
CHIPOTLE MEXICAN GRILL INC COM 169656105   296,756 162 SH   SOLE   0 0 162
COPART INC COM 217204106   576,544 13,380 SH   SOLE   0 0 13,380
COSTCO WHSL CORP NEW COM 22160K105   320,332 567 SH   SOLE   0 0 567
DISNEY WALT CO COM 254687106   237,409 2,929 SH   SOLE   0 0 2,929
HOME DEPOT INC COM 437076102   418,071 1,384 SH   SOLE   0 0 1,384
INVESCO QQQ TR UNIT SER 1 46090E103   214,604 599 SH   SOLE   0 0 599
ISHARES TR CORE US AGGBD ET 464287226   4,113,971 43,747 SH   SOLE   0 0 43,747
ISHARES TR MSCI EMG MKT ETF 464287234   4,303,492 113,399 SH   SOLE   0 0 113,399
ISHARES TR IBOXX INV CP ETF 464287242   318,386 3,121 SH   SOLE   0 0 3,121
ISHARES TR MSCI EAFE ETF 464287465   7,667,643 111,254 SH   SOLE   0 0 111,254
ISHARES TR CORE S&P MCP ETF 464287507   263,064 1,055 SH   SOLE   0 0 1,055
ISHARES TR RUS 1000 VAL ETF 464287598   11,695,004 77,032 SH   SOLE   0 0 77,032
ISHARES TR RUS 1000 GRW ETF 464287614   3,278,487 12,326 SH   SOLE   0 0 12,326
ISHARES TR RUSSELL 2000 ETF 464287655   5,188,304 29,356 SH   SOLE   0 0 29,356
ISHARES TR CALIF MUN BD ETF 464288356   727,398 13,264 SH   SOLE   0 0 13,264
ISHARES TR NATIONAL MUN ETF 464288414   5,690,977 55,500 SH   SOLE   0 0 55,500
ISHARES TR CORE HIGH DV ETF 46429B663   495,340 5,009 SH   SOLE   0 0 5,009
JPMORGAN CHASE & CO COM 46625H100   1,337,084 9,220 SH   SOLE   0 0 9,220
KRANESHARES TR KFA MOUNT LUCAS 500767652   1,269,969 38,992 SH   SOLE   0 0 38,992
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   14,836,884 513,387 SH   SOLE   0 0 513,387
MERCK & CO INC COM 58933Y105   490,230 4,762 SH   SOLE   0 0 4,762
MICROSOFT CORP COM 594918104   1,795,986 5,688 SH   SOLE   0 0 5,688
NVIDIA CORPORATION COM 67066G104   554,177 1,274 SH   SOLE   0 0 1,274
PALO ALTO NETWORKS INC COM 697435105   315,556 1,346 SH   SOLE   0 0 1,346
PIONEER NAT RES CO COM 723787107   417,110 1,817 SH   SOLE   0 0 1,817
PROCTER AND GAMBLE CO COM 742718109   456,496 3,130 SH   SOLE   0 0 3,130
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,225,819 14,564 SH   SOLE   0 0 14,564
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,917,415 78,584 SH   SOLE   0 0 78,584
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   28,043,751 385,640 SH   SOLE   0 0 385,640
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   29,165,336 452,456 SH   SOLE   0 0 452,456
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   10,072,596 243,182 SH   SOLE   0 0 243,182
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   10,735,376 448,428 SH   SOLE   0 0 448,428
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   851,889 12,039 SH   SOLE   0 0 12,039
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   16,929,862 498,524 SH   SOLE   0 0 498,524
SIMPSON MFG INC COM 829073105   256,175 1,710 SH   SOLE   0 0 1,710
TESLA INC COM 88160R101   770,928 3,081 SH   SOLE   0 0 3,081
VANGUARD WORLD FD MEGA CAP INDEX 921910873   27,850,376 183,383 SH   SOLE   0 0 183,383
VANGUARD BD INDEX FDS INTERMED TERM 921937819   16,840,204 232,889 SH   SOLE   0 0 232,889
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   828,749 11,025 SH   SOLE   0 0 11,025
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   476,461 10,898 SH   SOLE   0 0 10,898
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   422,166 4,086 SH   SOLE   0 0 4,086
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   3,007,119 52,618 SH   SOLE   0 0 52,618
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,955,118 103,017 SH   SOLE   0 0 103,017
VANGUARD INDEX FDS SM CP VAL ETF 922908611   644,982 4,044 SH   SOLE   0 0 4,044
VANGUARD INDEX FDS MID CAP ETF 922908629   353,800 1,699 SH   SOLE   0 0 1,699
VANGUARD INDEX FDS SMALL CP ETF 922908751   309,697 1,638 SH   SOLE   0 0 1,638
VISA INC COM CL A 92826C839   290,273 1,262 SH   SOLE   0 0 1,262