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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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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 561,616 1,820 SH   SOLE   0 0 1,820
AFFIRM HLDGS INC COM CL A 00827B106 BBG00Y7BP8Z0 850,861 55,503 SH   SOLE   0 0 55,503
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 262,143 2,190 SH   SOLE   0 0 2,190
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 360,491 2,980 SH   SOLE   0 0 2,980
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,466,159 11,247 SH   SOLE   0 0 11,247
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 209,040 1,200 SH   SOLE   0 0 1,200
AMGEN INC COM 031162100 BBG001S5NNL6 266,424 1,200 SH   SOLE   0 0 1,200
AMPHENOL CORP NEW CL A 032095101 BBG001S5NSK6 369,339 4,348 SH   SOLE   0 0 4,348
APPLE INC COM 037833100 BBG001S5N8V8 1,469,672 7,577 SH   SOLE   0 0 7,577
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 384,307 1,127 SH   SOLE   0 0 1,127
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 273,524 508 SH   SOLE   0 0 508
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 BBG001T06LL9 957,879 38,875 SH   SOLE   0 0 38,875
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 BBG001T06LF6 2,654,230 136,184 SH   SOLE   0 0 136,184
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 BBG001T0NSF2 2,879,468 164,729 SH   SOLE   0 0 164,729
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 BBG00KJR0YJ0 732,675 34,609 SH   SOLE   0 0 34,609
INVESCO EXCHANGE TRADED FD T S&P500 BUY WRT 46137V399 BBG001T0Z827 1,562,593 70,642 SH   SOLE   0 0 70,642
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 3,270,579 8,853 SH   SOLE   0 0 8,853
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 4,769,678 96,768 SH   SOLE   0 0 96,768
ISHARES INC EM MKT SM-CP ETF 464286475 BBG001T2TH39 2,859,306 53,365 SH   SOLE   0 0 53,365
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 1,359,886 42,994 SH   SOLE   0 0 42,994
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 732,823 6,358 SH   SOLE   0 0 6,358
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 3,203,273 56,247 SH   SOLE   0 0 56,247
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 10,654,234 228,436 SH   SOLE   0 0 228,436
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 6,226,957 92,251 SH   SOLE   0 0 92,251
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 7,584,612 29,006 SH   SOLE   0 0 29,006
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 9,115,478 91,475 SH   SOLE   0 0 91,475
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 2,195,041 22,481 SH   SOLE   0 0 22,481
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 8,520,433 19,117 SH   SOLE   0 0 19,117
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 8,192,533 83,640 SH   SOLE   0 0 83,640
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 4,016,970 42,102 SH   SOLE   0 0 42,102
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 5,879,493 99,686 SH   SOLE   0 0 99,686
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 964,990 13,232 SH   SOLE   0 0 13,232
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 1,946,651 54,804 SH   SOLE   0 0 54,804
ISHARES TR ESG AWR US AGRGT 46435U549 BBG00MC0P0K7 3,594,598 76,205 SH   SOLE   0 0 76,205
ISHARES TR ESG AWRE 1 5 YR 46435G243 BBG00H4BFM35 1,871,161 78,259 SH   SOLE   0 0 78,259
ISHARES TR ESG MSCI LEADR 46435U218 BBG00P35VT10 2,097,205 27,089 SH   SOLE   0 0 27,089
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 6,401,501 85,274 SH   SOLE   0 0 85,274
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 1,110,903 10,273 SH   SOLE   0 0 10,273
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 495,737 9,803 SH   SOLE   0 0 9,803
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 6,275,922 72,520 SH   SOLE   0 0 72,520
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 225,203 5,693 SH   SOLE   0 0 5,693
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 264,104 8,539 SH   SOLE   0 0 8,539
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 8,340,414 34,218 SH   SOLE   0 0 34,218
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 418,261 2,233 SH   SOLE   0 0 2,233
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 6,719,246 62,720 SH   SOLE   0 0 62,720
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 6,226,789 54,958 SH   SOLE   0 0 54,958
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 2,601,858 25,008 SH   SOLE   0 0 25,008
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 11,186,134 129,260 SH   SOLE   0 0 129,260
ISHARES TR USD GRN BOND ETF 46435U440 BBG00MK1NQ85 759,693 16,325 SH   SOLE   0 0 16,325
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,115,909 3,277 SH   SOLE   0 0 3,277
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 BBG001T618D9 979,144 9,815 SH   SOLE   0 0 9,815
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 524,630 9,256 SH   SOLE   0 0 9,256
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 BBG00HXSKY16 409,831 9,578 SH   SOLE   0 0 9,578
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 2,831,010 114,942 SH   SOLE   0 0 114,942
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 2,445,883 68,608 SH   SOLE   0 0 68,608
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 746,793 22,114 SH   SOLE   0 0 22,114
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 3,411,022 73,896 SH   SOLE   0 0 73,896
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 399,559 5,502 SH   SOLE   0 0 5,502
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 359,483 4,796 SH   SOLE   0 0 4,796
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 5,227,911 99,826 SH   SOLE   0 0 99,826
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 11,846,861 166,787 SH   SOLE   0 0 166,787
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 5,156,469 264,028 SH   SOLE   0 0 264,028
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,536,364 35,077 SH   SOLE   0 0 35,077
SEMPRA COM 816851109 BBG001SBVZ73 286,084 1,965 SH   SOLE   0 0 1,965
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 BBG001T2PHC3 837,065 15,941 SH   SOLE   0 0 15,941
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 269,341 8,828 SH   SOLE   0 0 8,828
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 3,772,746 8,511 SH   SOLE   0 0 8,511
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 938,549 1,960 SH   SOLE   0 0 1,960
SPDR SER TR BLOOMBERG INTL 78464A151 BBG001T8QLK1 655,881 23,111 SH   SOLE   0 0 23,111
SPDR SER TR DJ REIT ETF 78464A607 BBG001SHTRF2 1,481,257 16,378 SH   SOLE   0 0 16,378
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 1,027,747 22,265 SH   SOLE   0 0 22,265
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 1,074,846 22,845 SH   SOLE   0 0 22,845
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 1,832,275 26,640 SH   SOLE   0 0 26,640
STARBUCKS CORP COM 855244109 BBG001S72KH6 346,710 3,500 SH   SOLE   0 0 3,500
TESLA INC COM 88160R101 BBG001SQKGD7 235,069 898 SH   SOLE   0 0 898
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 4,425,198 90,532 SH   SOLE   0 0 90,532
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 1,168,659 5,308 SH   SOLE   0 0 5,308
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 6,347,966 75,969 SH   SOLE   0 0 75,969
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 261,539 4,807 SH   SOLE   0 0 4,807
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 249,385 1,535 SH   SOLE   0 0 1,535
VISA INC COM CL A 92826C839 BBG001SRCFY3 795,078 3,348 SH   SOLE   0 0 3,348