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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 476 1,850 SH   SOLE   0 0 1,850
AFFIRM HLDGS INC COM CL A 00827B106 712 37,956 SH   SOLE   0 0 37,956
ALPHABET INC CAP STK CL C 02079K107 258 2,680 SH   SOLE   0 0 2,680
AMAZON COM INC COM 023135106 1,017 9,003 SH   SOLE   0 0 9,003
AMGEN INC COM 031162100 270 1,200 SH   SOLE   0 0 1,200
AMPHENOL CORP NEW CL A 032095101 299 4,462 SH   SOLE   0 0 4,462
APPLE INC COM 037833100 1,369 9,905 SH   SOLE   0 0 9,905
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 328 1,227 SH   SOLE   0 0 1,227
COSTCO WHSL CORP NEW COM 22160K105 238 505 SH   SOLE   0 0 505
FLEXSHARES TR MORNSTAR UPSTR 33939L407 5,977 159,013 SH   SOLE   0 0 159,013
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 957 41,301 SH   SOLE   0 0 41,301
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 2,089 123,312 SH   SOLE   0 0 123,312
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 1,943 118,285 SH   SOLE   0 0 118,285
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 468 22,444 SH   SOLE   0 0 22,444
INVESCO EXCHANGE TRADED FD T S&P500 BUY WRT 46137V399 1,336 70,663 SH   SOLE   0 0 70,663
INVESCO QQQ TR UNIT SER 1 46090E103 2,346 8,778 SH   SOLE   0 0 8,778
ISHARES INC CORE MSCI EMKT 46434G103 4,261 99,133 SH   SOLE   0 0 99,133
ISHARES INC EM MKT SM-CP ETF 464286475 2,523 55,622 SH   SOLE   0 0 55,622
ISHARES INC ESG AWR MSCI EM 46434G863 476 17,220 SH   SOLE   0 0 17,220
ISHARES TR 0-5YR HI YL CP 46434V407 338 8,465 SH   SOLE   0 0 8,465
ISHARES TR 3 7 YR TREAS BD 464288661 1,073 9,390 SH   SOLE   0 0 9,390
ISHARES TR CALIF MUN BD ETF 464288356 3,244 59,821 SH   SOLE   0 0 59,821
ISHARES TR CORE 1 5 YR USD 46432F859 11,061 239,937 SH   SOLE   0 0 239,937
ISHARES TR CORE MSCI EAFE 46432F842 4,766 90,486 SH   SOLE   0 0 90,486
ISHARES TR CORE S&P MCP ETF 464287507 6,745 30,761 SH   SOLE   0 0 30,761
ISHARES TR CORE S&P SCP ETF 464287804 8,525 97,781 SH   SOLE   0 0 97,781
ISHARES TR CORE S&P US GWT 464287671 1,764 21,998 SH   SOLE   0 0 21,998
ISHARES TR CORE S&P500 ETF 464287200 7,550 21,051 SH   SOLE   0 0 21,051
ISHARES TR CORE US AGGBD ET 464287226 8,238 85,507 SH   SOLE   0 0 85,507
ISHARES TR EAFE GRWTH ETF 464288885 3,210 44,241 SH   SOLE   0 0 44,241
ISHARES TR EAFE SML CP ETF 464288273 4,502 92,301 SH   SOLE   0 0 92,301
ISHARES TR ESG AW MSCI EAFE 46435G516 382 6,804 SH   SOLE   0 0 6,804
ISHARES TR ESG AWARE MSCI 46435U663 755 24,627 SH   SOLE   0 0 24,627
ISHARES TR ESG AWR US AGRGT 46435U549 4,219 90,844 SH   SOLE   0 0 90,844
ISHARES TR ESG AWRE 1 5 YR 46435G243 1,128 48,004 SH   SOLE   0 0 48,004
ISHARES TR ESG MSCI LEADR 46435U218 640 10,360 SH   SOLE   0 0 10,360
ISHARES TR IBOXX HI YD ETF 464288513 6,748 94,523 SH   SOLE   0 0 94,523
ISHARES TR IBOXX INV CP ETF 464287242 1,221 11,914 SH   SOLE   0 0 11,914
ISHARES TR INTL TREA BD ETF 464288117 3,504 95,709 SH   SOLE   0 0 95,709
ISHARES TR ISHS 1-5YR INVS 464288646 783 15,896 SH   SOLE   0 0 15,896
ISHARES TR ISHS 5-10YR INVT 464288638 1,153 23,882 SH   SOLE   0 0 23,882
ISHARES TR JPMORGAN USD EMG 464288281 5,461 68,775 SH   SOLE   0 0 68,775
ISHARES TR PFD AND INCM SEC 464288687 304 9,600 SH   SOLE   0 0 9,600
ISHARES TR RUS 1000 ETF 464287622 7,122 36,090 SH   SOLE   0 0 36,090
ISHARES TR RUSSELL 2000 ETF 464287655 232 1,408 SH   SOLE   0 0 1,408
ISHARES TR S&P MC 400VL ETF 464287705 5,930 65,893 SH   SOLE   0 0 65,893
ISHARES TR SELECT DIVID ETF 464287168 5,949 55,484 SH   SOLE   0 0 55,484
ISHARES TR SHRT NAT MUN ETF 464288158 2,470 24,060 SH   SOLE   0 0 24,060
ISHARES TR U.S. REAL ES ETF 464287739 10,103 124,081 SH   SOLE   0 0 124,081
ISHARES TR USD GRN BOND ETF 46435U440 469 10,292 SH   SOLE   0 0 10,292
MICROSOFT CORP COM 594918104 802 3,442 SH   SOLE   0 0 3,442
SCHWAB CHARLES CORP COM 808513105 657 9,143 SH   SOLE   0 0 9,143
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 334 9,650 SH   SOLE   0 0 9,650
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,879 128,510 SH   SOLE   0 0 128,510
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,765 62,746 SH   SOLE   0 0 62,746
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 467 16,842 SH   SOLE   0 0 16,842
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,300 50,751 SH   SOLE   0 0 50,751
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 430 6,467 SH   SOLE   0 0 6,467
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 219 3,930 SH   SOLE   0 0 3,930
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,147 97,917 SH   SOLE   0 0 97,917
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,299 170,154 SH   SOLE   0 0 170,154
SCHWAB STRATEGIC TR US REIT ETF 808524847 5,268 281,853 SH   SOLE   0 0 281,853
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,090 28,823 SH   SOLE   0 0 28,823
SEMPRA COM 816851109 313 2,085 SH   SOLE   0 0 2,085
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 475 10,422 SH   SOLE   0 0 10,422
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,026 8,471 SH   SOLE   0 0 8,471
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 278 691 SH   SOLE   0 0 691
SPDR SER TR BLOOMBERG INTL 78464A151 821 32,730 SH   SOLE   0 0 32,730
SPDR SER TR DJ REIT ETF 78464A607 482 5,723 SH   SOLE   0 0 5,723
SPDR SER TR NUVEEN BLMBRG MU 78468R721 542 12,330 SH   SOLE   0 0 12,330
SPDR SER TR NUVEEN BLMBRG SH 78468R739 1,509 32,745 SH   SOLE   0 0 32,745
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,064 18,407 SH   SOLE   0 0 18,407
STARBUCKS CORP COM 855244109 295 3,500 SH   SOLE   0 0 3,500
VANGUARD INDEX FDS MID CAP ETF 922908629 439 2,336 SH   SOLE   0 0 2,336
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,709 71,213 SH   SOLE   0 0 71,213
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 207 4,667 SH   SOLE   0 0 4,667
VISA INC COM CL A 92826C839 609 3,427 SH   SOLE   0 0 3,427