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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 549,727 1,790 SH   SOLE   0 0 1,790
AFFIRM HLDGS INC COM CL A 00827B106 BBG00Y7BP8Z0 1,457,654 68,531 SH   SOLE   0 0 68,531
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 286,583 2,190 SH   SOLE   0 0 2,190
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,133,021 8,913 SH   SOLE   0 0 8,913
AMGEN INC COM 031162100 BBG001S5NNL6 326,543 1,215 SH   SOLE   0 0 1,215
AMPHENOL CORP NEW CL A 032095101 BBG001S5NSK6 364,461 4,339 SH   SOLE   0 0 4,339
APPLE INC COM 037833100 BBG001S5N8V8 1,295,152 7,565 SH   SOLE   0 0 7,565
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 431,570 1,232 SH   SOLE   0 0 1,232
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 BBG001T06LL9 919,141 39,162 SH   SOLE   0 0 39,162
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 BBG001T06LF6 2,456,090 134,433 SH   SOLE   0 0 134,433
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 BBG001T0NSF2 2,748,434 160,915 SH   SOLE   0 0 160,915
INVESCO EXCHANGE TRADED FD T S&P500 BUY WRT 46137V399 BBG001T0Z827 1,388,049 65,049 SH   SOLE   0 0 65,049
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 3,072,242 8,575 SH   SOLE   0 0 8,575
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 4,576,752 96,170 SH   SOLE   0 0 96,170
ISHARES INC EM MKT SM-CP ETF 464286475 BBG001T2TH39 2,786,225 51,030 SH   SOLE   0 0 51,030
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 1,175,390 38,817 SH   SOLE   0 0 38,817
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 525,515 5,925 SH   SOLE   0 0 5,925
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 732,598 6,474 SH   SOLE   0 0 6,474
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 3,193,152 58,227 SH   SOLE   0 0 58,227
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 10,883,081 234,650 SH   SOLE   0 0 234,650
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 5,946,976 92,416 SH   SOLE   0 0 92,416
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 7,158,337 28,708 SH   SOLE   0 0 28,708
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 8,619,591 91,377 SH   SOLE   0 0 91,377
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 2,057,809 21,700 SH   SOLE   0 0 21,700
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 7,949,601 18,512 SH   SOLE   0 0 18,512
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 8,201,885 87,217 SH   SOLE   0 0 87,217
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 3,636,957 42,143 SH   SOLE   0 0 42,143
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 5,553,117 98,337 SH   SOLE   0 0 98,337
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 841,639 12,175 SH   SOLE   0 0 12,175
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 1,650,601 49,052 SH   SOLE   0 0 49,052
ISHARES TR ESG AWR US AGRGT 46435U549 BBG00MC0P0K7 3,077,599 67,938 SH   SOLE   0 0 67,938
ISHARES TR ESG AWRE 1 5 YR 46435G243 BBG00H4BFM35 1,721,817 72,437 SH   SOLE   0 0 72,437
ISHARES TR ESG MSCI LEADR 46435U218 BBG00P35VT10 1,800,630 23,878 SH   SOLE   0 0 23,878
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 6,194,437 84,027 SH   SOLE   0 0 84,027
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 973,680 9,544 SH   SOLE   0 0 9,544
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 484,651 9,962 SH   SOLE   0 0 9,962
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 5,899,994 71,498 SH   SOLE   0 0 71,498
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 226,247 5,962 SH   SOLE   0 0 5,962
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 238,750 7,919 SH   SOLE   0 0 7,919
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 8,004,203 34,073 SH   SOLE   0 0 34,073
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 396,686 2,244 SH   SOLE   0 0 2,244
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 6,241,365 61,839 SH   SOLE   0 0 61,839
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 5,952,322 55,298 SH   SOLE   0 0 55,298
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 2,705,684 26,305 SH   SOLE   0 0 26,305
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 10,083,415 129,043 SH   SOLE   0 0 129,043
ISHARES TR USD GRN BOND ETF 46435U440 BBG00MK1NQ85 697,828 15,463 SH   SOLE   0 0 15,463
MICROSOFT CORP COM 594918104 BBG001S5TD05 806,845 2,555 SH   SOLE   0 0 2,555
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 BBG001T618D9 997,595 9,962 SH   SOLE   0 0 9,962
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 506,343 9,223 SH   SOLE   0 0 9,223
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 BBG00HXSKY16 368,029 8,911 SH   SOLE   0 0 8,911
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 2,700,230 112,792 SH   SOLE   0 0 112,792
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 2,266,396 66,737 SH   SOLE   0 0 66,737
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 636,263 19,729 SH   SOLE   0 0 19,729
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 3,250,463 73,490 SH   SOLE   0 0 73,490
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 364,049 5,145 SH   SOLE   0 0 5,145
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 335,304 4,611 SH   SOLE   0 0 4,611
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 4,947,584 97,778 SH   SOLE   0 0 97,778
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 11,088,131 163,832 SH   SOLE   0 0 163,832
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 4,630,410 260,868 SH   SOLE   0 0 260,868
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,321,056 31,894 SH   SOLE   0 0 31,894
SEMPRA COM 816851109 BBG001SBVZ73 267,358 3,930 SH   SOLE   0 0 3,930
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 BBG001T2PHC3 701,903 13,125 SH   SOLE   0 0 13,125
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 202,023 6,933 SH   SOLE   0 0 6,933
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 3,620,813 8,470 SH   SOLE   0 0 8,470
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 763,646 1,672 SH   SOLE   0 0 1,672
SPDR SER TR BLOOMBERG INTL 78464A151 BBG001T8QLK1 617,986 22,779 SH   SOLE   0 0 22,779
SPDR SER TR DJ REIT ETF 78464A607 BBG001SHTRF2 1,327,548 16,006 SH   SOLE   0 0 16,006
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 830,022 18,994 SH   SOLE   0 0 18,994
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 958,703 20,738 SH   SOLE   0 0 20,738
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 1,650,924 25,454 SH   SOLE   0 0 25,454
STARBUCKS CORP COM 855244109 BBG001S72KH6 319,445 3,500 SH   SOLE   0 0 3,500
TESLA INC COM 88160R101 BBG001SQKGD7 224,698 898 SH   SOLE   0 0 898
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 4,282,449 89,535 SH   SOLE   0 0 89,535
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 1,105,384 5,308 SH   SOLE   0 0 5,308
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 5,772,439 76,294 SH   SOLE   0 0 76,294
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 239,799 4,623 SH   SOLE   0 0 4,623
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 238,565 1,535 SH   SOLE   0 0 1,535
VISA INC COM CL A 92826C839 BBG001SRCFY3 702,705 3,055 SH   SOLE   0 0 3,055