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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 493,654 1,850 SH   SOLE   0 0 1,850
AFFIRM HLDGS INC COM CL A 00827B106 BBG00Y7BP8Z0 399,091 41,271 SH   SOLE   0 0 41,271
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 264,415 3,100 SH   SOLE   0 0 3,100
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,042,188 13,957 SH   SOLE   0 0 13,957
AMGEN INC COM 031162100 BBG001S5NNL6 315,168 1,200 SH   SOLE   0 0 1,200
AMPHENOL CORP NEW CL A 032095101 BBG001S5NSK6 340,175 4,468 SH   SOLE   0 0 4,468
APPLE INC COM 037833100 BBG001S5N8V8 1,291,715 9,942 SH   SOLE   0 0 9,942
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 379,020 1,227 SH   SOLE   0 0 1,227
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 230,727 525 SH   SOLE   0 0 525
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 BBG001T06LL9 1,004,260 41,601 SH   SOLE   0 0 41,601
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 BBG001T06LF6 2,629,075 140,818 SH   SOLE   0 0 140,818
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 BBG001T0NSF2 2,824,620 164,990 SH   SOLE   0 0 164,990
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 BBG00KJR0YJ0 788,384 39,865 SH   SOLE   0 0 39,865
INVESCO EXCHANGE TRADED FD T S&P500 BUY WRT 46137V399 BBG001T0Z827 1,649,451 84,526 SH   SOLE   0 0 84,526
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 2,328,995 8,806 SH   SOLE   0 0 8,806
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 4,174,319 88,480 SH   SOLE   0 0 88,480
ISHARES INC EM MKT SM-CP ETF 464286475 BBG001T2TH39 2,360,506 48,541 SH   SOLE   0 0 48,541
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 1,257,633 41,823 SH   SOLE   0 0 41,823
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 346,134 8,465 SH   SOLE   0 0 8,465
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 1,078,817 9,390 SH   SOLE   0 0 9,390
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 2,954,581 52,658 SH   SOLE   0 0 52,658
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 10,436,357 223,691 SH   SOLE   0 0 223,691
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 5,373,247 86,485 SH   SOLE   0 0 86,485
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 6,659,247 27,317 SH   SOLE   0 0 27,317
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 8,178,180 85,702 SH   SOLE   0 0 85,702
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 286,505 3,379 SH   SOLE   0 0 3,379
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 1,687,858 20,600 SH   SOLE   0 0 20,600
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 7,107,811 18,343 SH   SOLE   0 0 18,343
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 7,522,539 76,673 SH   SOLE   0 0 76,673
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 3,414,121 40,761 SH   SOLE   0 0 40,761
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 5,086,117 89,306 SH   SOLE   0 0 89,306
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 720,815 10,534 SH   SOLE   0 0 10,534
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 1,699,263 51,680 SH   SOLE   0 0 51,680
ISHARES TR ESG AWR US AGRGT 46435U549 BBG00MC0P0K7 3,485,417 74,246 SH   SOLE   0 0 74,246
ISHARES TR ESG AWRE 1 5 YR 46435G243 BBG00H4BFM35 1,853,550 77,163 SH   SOLE   0 0 77,163
ISHARES TR ESG MSCI LEADR 46435U218 BBG00P35VT10 1,510,690 22,783 SH   SOLE   0 0 22,783
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 5,832,396 78,755 SH   SOLE   0 0 78,755
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 1,229,714 11,664 SH   SOLE   0 0 11,664
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 791,939 15,896 SH   SOLE   0 0 15,896
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 1,219,134 24,624 SH   SOLE   0 0 24,624
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 5,269,033 61,887 SH   SOLE   0 0 61,887
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 214,117 5,649 SH   SOLE   0 0 5,649
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 285,657 9,357 SH   SOLE   0 0 9,357
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 7,305,168 34,701 SH   SOLE   0 0 34,701
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 387,500 2,223 SH   SOLE   0 0 2,223
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 5,976,235 58,869 SH   SOLE   0 0 58,869
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 5,118,690 42,444 SH   SOLE   0 0 42,444
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 2,366,484 22,696 SH   SOLE   0 0 22,696
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 9,575,998 112,817 SH   SOLE   0 0 112,817
ISHARES TR USD GRN BOND ETF 46435U440 BBG00MK1NQ85 486,371 10,580 SH   SOLE   0 0 10,580
MICROSOFT CORP COM 594918104 BBG001S5TD05 825,396 3,562 SH   SOLE   0 0 3,562
NETFLIX INC COM 64110L106 BBG001SF6L46 249,174 845 SH   SOLE   0 0 845
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 761,246 9,143 SH   SOLE   0 0 9,143
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 BBG00HXSKY16 351,323 9,513 SH   SOLE   0 0 9,513
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 2,792,759 117,987 SH   SOLE   0 0 117,987
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 2,137,615 66,365 SH   SOLE   0 0 66,365
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 660,463 20,987 SH   SOLE   0 0 20,987
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 3,173,712 69,523 SH   SOLE   0 0 69,523
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 484,892 6,419 SH   SOLE   0 0 6,419
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 259,585 4,673 SH   SOLE   0 0 4,673
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 4,520,053 100,112 SH   SOLE   0 0 100,112
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 10,200,611 155,473 SH   SOLE   0 0 155,473
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 5,234,339 271,350 SH   SOLE   0 0 271,350
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,378,930 34,040 SH   SOLE   0 0 34,040
SEMPRA COM 816851109 BBG001SBVZ73 319,125 2,065 SH   SOLE   0 0 2,065
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 BBG001T2PHC3 788,652 16,115 SH   SOLE   0 0 16,115
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 257,623 8,759 SH   SOLE   0 0 8,759
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 2,258,337 5,905 SH   SOLE   0 0 5,905
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 845,923 1,910 SH   SOLE   0 0 1,910
SPDR SER TR BLOOMBERG INTL 78464A151 BBG001T8QLK1 766,693 27,659 SH   SOLE   0 0 27,659
SPDR SER TR DJ REIT ETF 78464A607 BBG001SHTRF2 1,496,358 17,094 SH   SOLE   0 0 17,094
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 511,780 11,219 SH   SOLE   0 0 11,219
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 887,042 18,881 SH   SOLE   0 0 18,881
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 207,912 4,892 SH   SOLE   0 0 4,892
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 1,815,489 28,052 SH   SOLE   0 0 28,052
STARBUCKS CORP COM 855244109 BBG001S72KH6 347,200 3,500 SH   SOLE   0 0 3,500
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 3,888,486 80,896 SH   SOLE   0 0 80,896
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 707,143 3,469 SH   SOLE   0 0 3,469
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 5,538,905 67,155 SH   SOLE   0 0 67,155
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 236,237 4,712 SH   SOLE   0 0 4,712
VISA INC COM CL A 92826C839 BBG001SRCFY3 714,909 3,441 SH   SOLE   0 0 3,441