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
3M CO COM 88579Y101 BBG001S5T7X2 465,923 3,885 SH   SOLE   3,885 0 0
ALLSTATE CORP COM 020002101 BBG001S9BM06 272,556 2,010 SH   SOLE   2,010 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 574,818 6,515 SH   SOLE   6,515 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 228,923 2,580 SH   SOLE   2,580 0 0
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 1,518,715 33,225 SH   SOLE   33,225 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,663,620 19,805 SH   SOLE   19,805 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 6,242,870 83,786 SH   SOLE   83,786 0 0
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 1,950,300 13,200 SH   SOLE   13,200 0 0
AMERIPRISE FINL INC COM 03076C106 BBG001SK6096 386,722 1,242 SH   SOLE   1,242 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 658,964 2,509 SH   SOLE   2,509 0 0
APPLE INC COM 037833100 BBG001S5N8V8 4,986,976 38,382 SH   SOLE   38,382 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 237,864 12,920 SH   SOLE   12,920 0 0
BANK NEW YORK MELLON CORP COM 064058100 BBG001S5P6Q6 303,947 6,677 SH   SOLE   6,677 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 BBG001SPJ625 226,801 6,728 SH   SOLE   6,728 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 323,418 1,047 SH   SOLE   1,047 0 0
BLACKROCK INC COM 09247X101 BBG001SDBP55 549,897 776 SH   SOLE   776 0 0
BLACKSTONE INC COM 09260D107 BBG001S7H949 978,072 13,183 SH   SOLE   13,183 0 0
BOEING CO COM 097023105 BBG001S5P0V3 379,647 1,993 SH   SOLE   1,993 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 234,341 3,257 SH   SOLE   3,257 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 294,154 7,131 SH   SOLE   7,131 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 493,973 2,062 SH   SOLE   2,062 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 1,910,448 10,644 SH   SOLE   10,644 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 927,503 19,469 SH   SOLE   19,469 0 0
CLOROX CO DEL COM 189054109 BBG001S5PX50 522,729 3,725 SH   SOLE   3,725 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 260,387 7,446 SH   SOLE   7,446 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 571,538 1,252 SH   SOLE   1,252 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 8,178,331 326,611 SH   SOLE   326,611 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 6,323,736 123,631 SH   SOLE   123,631 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 205,732 2,368 SH   SOLE   2,368 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 4,827,604 43,768 SH   SOLE   43,768 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 BBG00243P8S9 6,842,000 157,396 SH   SOLE   157,396 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 1,320,932 15,754 SH   SOLE   15,754 0 0
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 559,183 15,913 SH   SOLE   15,913 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 919,153 2,910 SH   SOLE   2,910 0 0
HP INC COM 40434L105 BBG001S6W7N7 244,087 9,084 SH   SOLE   9,084 0 0
INTEL CORP COM 458140100 BBG001S5SF65 573,633 21,704 SH   SOLE   21,704 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 1,144,659 8,124 SH   SOLE   8,124 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 BBG007HL81B6 6,303,180 426,467 SH   SOLE   426,467 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 BBG001T0NSB6 933,530 83,500 SH   SOLE   83,500 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 14,761,843 55,437 SH   SOLE   55,437 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 18,398,621 226,668 SH   SOLE   226,668 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 1,143,163 20,374 SH   SOLE   20,374 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 889,524 9,399 SH   SOLE   9,399 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,126,033 5,534 SH   SOLE   5,534 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 21,657,244 223,294 SH   SOLE   223,294 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 457,559 6,971 SH   SOLE   6,971 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 368,793 5,800 SH   SOLE   5,800 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 586,578 15,477 SH   SOLE   15,477 0 0
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 10,923,494 357,795 SH   SOLE   357,795 0 0
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 242,098 1,150 SH   SOLE   1,150 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 1,587,265 7,409 SH   SOLE   7,409 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 5,719,423 37,715 SH   SOLE   37,715 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 10,317,823 59,175 SH   SOLE   59,175 0 0
JOBY AVIATION INC COMMON STOCK G65163100 BBG00X2MYTD1 39,463 11,780 SH   SOLE   11,780 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,607,410 9,099 SH   SOLE   9,099 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,273,950 9,500 SH   SOLE   9,500 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 740,451 5,455 SH   SOLE   5,455 0 0
KRAFT HEINZ CO COM 500754106 BBG005CPNTR1 318,963 7,835 SH   SOLE   7,835 0 0
LILLY ELI & CO COM 532457108 BBG001S5STL8 248,405 679 SH   SOLE   679 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 382,001 3,443 SH   SOLE   3,443 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,114,733 8,818 SH   SOLE   8,818 0 0
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 1,655,919 24,845 SH   SOLE   24,845 0 0
MYRIAD GENETICS INC COM 62855J104 BBG001S86FS9 150,280 10,357 SH   SOLE   10,357 0 0
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 1,394,491 5,659 SH   SOLE   5,659 0 0
OTIS WORLDWIDE CORP COM 68902V107 BBG00RP60LN7 319,975 4,086 SH   SOLE   4,086 0 0
PEPSICO INC COM 713448108 BBG001S695T1 354,525 1,962 SH   SOLE   1,962 0 0
PFIZER INC COM 717081103 BBG001S5V466 1,564,519 30,533 SH   SOLE   30,533 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 2,064,835 20,401 SH   SOLE   20,401 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 BBG001T618D9 292,300 2,963 SH   SOLE   2,963 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 8,055,605 53,151 SH   SOLE   53,151 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 693,282 6,306 SH   SOLE   6,306 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 911,106 9,028 SH   SOLE   9,028 0 0
ROCKWELL AUTOMATION INC COM 773903109 BBG001S5VRF5 312,432 1,213 SH   SOLE   1,213 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 15,478,185 480,540 SH   SOLE   480,540 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 28,233,850 585,279 SH   SOLE   585,279 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 10,711,219 162,242 SH   SOLE   162,242 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 1,610,138 18,408 SH   SOLE   18,408 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 769,586 10,777 SH   SOLE   10,777 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 366,600 1,106 SH   SOLE   1,106 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 247,844 1,461 SH   SOLE   1,461 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 31,734,586 82,981 SH   SOLE   82,981 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 390,760 4,272 SH   SOLE   4,272 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 586,076 12,475 SH   SOLE   12,475 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 BBG00B6WD879 953,216 24,083 SH   SOLE   24,083 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 501,691 4,010 SH   SOLE   4,010 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 256,184 2,583 SH   SOLE   2,583 0 0
SUMMIT ST BK SANTA ROSA CALI COM 866264203 BBG001SRFLF8 1,350,616 85,482 SH   SOLE   85,482 0 0
T ROWE PRICE ETF INC ULTRA SHRT TRM 87283Q701 BBG011XYK057 3,100,670 64,003 SH   SOLE   64,003 0 0
UMPQUA HLDGS CORP COM 904214103 BBG001SBSCN0 665,917 37,306 SH   SOLE   37,306 0 0
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 506,018 10,050 SH   SOLE   10,050 0 0
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 519,170 2,986 SH   SOLE   2,986 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 203,589 384 SH   SOLE   384 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 10,073,070 47,267 SH   SOLE   47,267 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 359,317 1,763 SH   SOLE   1,763 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,043,058 5,683 SH   SOLE   5,683 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 4,085,373 29,104 SH   SOLE   29,104 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 5,020,869 100,137 SH   SOLE   100,137 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 898,921 23,061 SH   SOLE   23,061 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 28,276,514 489,044 SH   SOLE   489,044 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 309,409 4,115 SH   SOLE   4,115 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 622,864 12,043 SH   SOLE   12,043 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 BBG001SHTTM0 272,347 3,292 SH   SOLE   3,292 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 944,447 23,971 SH   SOLE   23,971 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 662,298 3,188 SH   SOLE   3,188 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 355,176 2,264 SH   SOLE   2,264 0 0
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 968,779 23,463 SH   SOLE   23,463 0 0
WISDOMTREE TR US AI ENHANCED 97717W406 BBG001SHL7F4 1,512,667 16,477 SH   SOLE   16,477 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 BBG001SHL7K8 15,112,157 243,941 SH   SOLE   243,941 0 0