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
3M CO COM 88579Y101 734 6,645 SH   SOLE   0 0 6,644
ABBOTT LABS COM 002824100 1,073 11,086 SH   SOLE   0 0 11,085
ABBVIE INC COM 00287Y109 1,194 8,896 SH   SOLE   0 0 8,895
ABRDN PLATINUM ETF TRUST PHYSCL PLATM SHS 003260106 495 6,190 SH   SOLE   0 0 6,190
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 854 46,731 SH   SOLE   0 0 46,731
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,908 7,414 SH   SOLE   0 0 7,414
ADOBE SYSTEMS INCORPORATED COM 00724F101 913 3,319 SH   SOLE   0 0 3,319
AIRBNB INC COM CL A 009066101 498 4,743 SH   SOLE   0 0 4,743
ALPHABET INC CAP STK CL A 02079K305 2,223 23,240 SH   SOLE   0 0 23,240
ALPHABET INC CAP STK CL C 02079K107 2,946 30,636 SH   SOLE   0 0 30,636
AMAZON COM INC COM 023135106 3,835 33,934 SH   SOLE   0 0 33,934
AMER STATES WTR CO COM 029899101 650 8,333 SH   SOLE   0 0 8,332
AMERICAN TOWER CORP NEW COM 03027X100 887 4,131 SH   SOLE   0 0 4,131
AMERICAN WTR WKS CO INC NEW COM 030420103 628 4,828 SH   SOLE   0 0 4,827
AMERISOURCEBERGEN CORP COM 03073E105 454 3,355 SH   SOLE   0 0 3,355
AMGEN INC COM 031162100 2,100 9,317 SH   SOLE   0 0 9,316
ANALOG DEVICES INC COM 032654105 467 3,355 SH   SOLE   0 0 3,355
APPLE INC COM 037833100 12,525 90,633 SH   SOLE   0 0 90,632
AT&T INC COM 00206R102 198 12,878 SH   SOLE   0 0 12,878
AUTOMATIC DATA PROCESSING IN COM 053015103 3,112 13,756 SH   SOLE   0 0 13,756
AVALARA INC COM 05338G106 717 7,806 SH   SOLE   0 0 7,806
AVALONBAY CMNTYS INC COM 053484101 480 2,605 SH   SOLE   0 0 2,605
AXOS FINANCIAL INC COM 05465C100 277 8,080 SH   SOLE   0 0 8,080
BECTON DICKINSON & CO COM 075887109 1,205 5,407 SH   SOLE   0 0 5,407
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,576 9,646 SH   SOLE   0 0 9,646
BLACKROCK INC COM 09247X101 1,560 2,835 SH   SOLE   0 0 2,834
BLACKROCK RES & COMMODITIES SHS 09257A108 143 16,400 SH   SOLE   0 0 16,400
BOEING CO COM 097023105 355 2,932 SH   SOLE   0 0 2,932
BRIGHT HORIZONS FAM SOL IN D COM 109194100 414 7,180 SH   SOLE   0 0 7,180
BRISTOL-MYERS SQUIBB CO COM 110122108 1,163 16,366 SH   SOLE   0 0 16,366
BROADCOM INC COM 11135F101 441 994 SH   SOLE   0 0 993
BROWN FORMAN CORP CL B 115637209 219 3,293 SH   SOLE   0 0 3,293
CACI INTL INC CL A 127190304 1,317 5,045 SH   SOLE   0 0 5,045
CAPITAL ONE FINL CORP COM 14040H105 370 4,015 SH   SOLE   0 0 4,015
CATERPILLAR INC COM 149123101 1,984 12,092 SH   SOLE   0 0 12,092
CHEVRON CORP NEW COM 166764100 3,238 22,539 SH   SOLE   0 0 22,538
CISCO SYS INC COM 17275R102 1,474 36,857 SH   SOLE   0 0 36,856
CLOROX CO DEL COM 189054109 785 6,113 SH   SOLE   0 0 6,113
COCA COLA CO COM 191216100 544 9,711 SH   SOLE   0 0 9,711
CONOCOPHILLIPS COM 20825C104 613 5,994 SH   SOLE   0 0 5,993
CONSOLIDATED EDISON INC COM 209115104 224 2,615 SH   SOLE   0 0 2,615
COSTCO WHSL CORP NEW COM 22160K105 2,698 5,713 SH   SOLE   0 0 5,713
CVS HEALTH CORP COM 126650100 2,200 23,068 SH   SOLE   0 0 23,068
DARDEN RESTAURANTS INC COM 237194105 309 2,447 SH   SOLE   0 0 2,446
DIGITAL RLTY TR INC COM 253868103 695 7,011 SH   SOLE   0 0 7,011
DISCOVER FINL SVCS COM 254709108 434 4,773 SH   SOLE   0 0 4,773
DISNEY WALT CO COM 254687106 2,546 26,995 SH   SOLE   0 0 26,994
DOMINOS PIZZA INC COM 25754A201 323 1,042 SH   SOLE   0 0 1,042
DOXIMITY INC CL A 26622P107 1,046 34,615 SH   SOLE   0 0 34,615
DUPONT DE NEMOURS INC COM 26614N102 1,194 23,697 SH   SOLE   0 0 23,697
ECOLAB INC COM 278865100 1,713 11,862 SH   SOLE   0 0 11,862
ELEVANCE HEALTH INC COM 036752103 679 1,496 SH   SOLE   0 0 1,495
EMERSON ELEC CO COM 291011104 322 4,398 SH   SOLE   0 0 4,397
EQUINIX INC COM 29444U700 256 450 SH   SOLE   0 0 450
ESSEX PPTY TR INC COM 297178105 434 1,792 SH   SOLE   0 0 1,792
EXXON MOBIL CORP COM 30231G102 2,369 27,129 SH   SOLE   0 0 27,129
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200 1,113 60,051 SH   SOLE   0 0 60,051
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 302 12,144 SH   SOLE   0 0 12,144
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 1,295 10,263 SH   SOLE   0 0 10,263
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 255 4,292 SH   SOLE   0 0 4,291
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 221 4,665 SH   SOLE   0 0 4,665
FIRST TR MORNINGSTAR DIVID L SHS 336917109 1,445 44,980 SH   SOLE   0 0 44,980
FIRST TR VALUE LINE DIVID IN SHS 33734H106 375 10,488 SH   SOLE   0 0 10,488
GALLAGHER ARTHUR J & CO COM 363576109 3,488 20,370 SH   SOLE   0 0 20,370
GENERAL ELECTRIC CO COM NEW 369604301 494 7,986 SH   SOLE   0 0 7,986
GENUINE PARTS CO COM 372460105 2,440 16,341 SH   SOLE   0 0 16,341
GILEAD SCIENCES INC COM 375558103 955 15,481 SH   SOLE   0 0 15,481
GITLAB INC CLASS A COM 37637K108 3,553 69,369 SH   SOLE   0 0 69,369
GOLDMAN SACHS GROUP INC COM 38141G104 749 2,555 SH   SOLE   0 0 2,555
HOME DEPOT INC COM 437076102 2,613 9,470 SH   SOLE   0 0 9,469
HONEYWELL INTL INC COM 438516106 1,960 11,738 SH   SOLE   0 0 11,737
IDEX CORP COM 45167R104 1,044 5,225 SH   SOLE   0 0 5,225
ILLINOIS TOOL WKS INC COM 452308109 1,136 6,289 SH   SOLE   0 0 6,289
INTEL CORP COM 458140100 1,043 40,490 SH   SOLE   0 0 40,490
INTERNATIONAL BUSINESS MACHS COM 459200101 890 7,487 SH   SOLE   0 0 7,487
INTUIT COM 461202103 2,289 5,909 SH   SOLE   0 0 5,909
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 308 5,319 SH   SOLE   0 0 5,319
INVESCO EXCH TRADED FD TR II S&P ULTRA DIVIDE 46138G656 238 6,321 SH   SOLE   0 0 6,321
INVESCO QQQ TR UNIT SER 1 46090E103 2,462 9,213 SH   SOLE   0 0 9,213
INVITATION HOMES INC COM 46187W107 330 9,768 SH   SOLE   0 0 9,768
IRON MTN INC DEL COM 46284V101 289 6,569 SH   SOLE   0 0 6,568
ISHARES GOLD TR ISHARES NEW 464285204 297 9,414 SH   SOLE   0 0 9,414
ISHARES INC MSCI JPN ETF NEW 46434G822 233 4,770 SH   SOLE   0 0 4,770
ISHARES INC MSCI EMERG MRKT 464286533 2,136 42,138 SH   SOLE   0 0 42,137
ISHARES INC EM MKTS DIV ETF 464286319 243 10,702 SH   SOLE   0 0 10,702
ISHARES INC CORE MSCI EMKT 46434G103 244 5,677 SH   SOLE   0 0 5,677
ISHARES TR US HOME CONS ETF 464288752 599 11,518 SH   SOLE   0 0 11,517
ISHARES TR S&P 100 ETF 464287101 943 5,804 SH   SOLE   0 0 5,804
ISHARES TR CALIF MUN BD ETF 464288356 217 4,000 SH   SOLE   0 0 4,000
ISHARES TR RUS 1000 GRW ETF 464287614 485 2,304 SH   SOLE   0 0 2,303
ISHARES TR CORE HIGH DV ETF 46429B663 443 4,852 SH   SOLE   0 0 4,852
ISHARES TR SELECT DIVID ETF 464287168 1,318 12,290 SH   SOLE   0 0 12,289
ISHARES TR MSCI EAFE MIN VL 46429B689 6,276 110,090 SH   SOLE   0 0 110,089
ISHARES TR CORE MSCI EAFE 46432F842 486 9,235 SH   SOLE   0 0 9,235
ISHARES TR RUS MID CAP ETF 464287499 224 3,600 SH   SOLE   0 0 3,600
ISHARES TR CORE S&P500 ETF 464287200 652 1,818 SH   SOLE   0 0 1,818
ISHARES TR INTL SEL DIV ETF 464288448 1,168 51,825 SH   SOLE   0 0 51,825
ISHARES TR CORE MSCI EURO 46434V738 510 12,892 SH   SOLE   0 0 12,892
ISHARES TR JPMORGAN USD EMG 464288281 210 2,645 SH   SOLE   0 0 2,644
ISHARES TR CORE S&P MCP ETF 464287507 3,637 16,589 SH   SOLE   0 0 16,589
ISHARES TR IBONDS DEC23 ETF 46434VAX8 2,188 87,712 SH   SOLE   0 0 87,712
ISHARES TR IBONDS DEC25 ETF 46434VBD1 2,042 84,608 SH   SOLE   0 0 84,608
ISHARES TR RUS 1000 VAL ETF 464287598 240 1,764 SH   SOLE   0 0 1,763
JACOBS SOLUTIONS INC COM 46982L108 201 1,850 SH   SOLE   0 0 1,850
JOHNSON & JOHNSON COM 478160104 4,729 28,950 SH   SOLE   0 0 28,950
JPMORGAN CHASE & CO COM 46625H100 1,664 15,927 SH   SOLE   0 0 15,926
KIMBERLY-CLARK CORP COM 494368103 571 5,071 SH   SOLE   0 0 5,070
LABORATORY CORP AMER HLDGS COM NEW 50540R409 247 1,205 SH   SOLE   0 0 1,205
LINDE PLC SHS G5494J103 421 1,562 SH   SOLE   0 0 1,561
MARRIOTT INTL INC NEW CL A 571903202 1,545 11,025 SH   SOLE   0 0 11,024
MCDONALDS CORP COM 580135101 3,229 13,993 SH   SOLE   0 0 13,993
MERCADOLIBRE INC COM 58733R102 860 1,039 SH   SOLE   0 0 1,039
META PLATFORMS INC CL A 30303M102 1,098 8,092 SH   SOLE   0 0 8,092
METLIFE INC COM 59156R108 2,587 42,559 SH   SOLE   0 0 42,558
MICROSOFT CORP COM 594918104 5,871 25,209 SH   SOLE   0 0 25,208
NATIONAL GRID PLC SPONSORED ADR NE 636274409 636 12,344 SH   SOLE   0 0 12,344
NETFLIX INC COM 64110L106 560 2,377 SH   SOLE   0 0 2,377
NEXTERA ENERGY INC COM 65339F101 233 2,970 SH   SOLE   0 0 2,970
NIKE INC CL B 654106103 1,655 19,912 SH   SOLE   0 0 19,911
NORDSON CORP COM 655663102 1,173 5,524 SH   SOLE   0 0 5,523
NORTHERN TR CORP COM 665859104 813 9,507 SH   SOLE   0 0 9,507
NOVAGOLD RES INC COM NEW 66987E206 114 24,380 SH   SOLE   0 0 24,380
NOVO-NORDISK A S ADR 670100205 579 5,810 SH   SOLE   0 0 5,810
NU HLDGS LTD ORD SHS CL A G6683N103 4,468 1,015,369 SH   SOLE   0 0 1,015,369
NUVEEN CALIFORNIA MUNI VLU F COM STK 67062C107 206 25,000 SH   SOLE   0 0 25,000
NVIDIA CORPORATION COM 67066G104 2,561 21,099 SH   SOLE   0 0 21,099
OREILLY AUTOMOTIVE INC COM 67103H107 318 452 SH   SOLE   0 0 452
PALO ALTO NETWORKS INC COM 697435105 950 5,799 SH   SOLE   0 0 5,799
PARKER-HANNIFIN CORP COM 701094104 388 1,600 SH   SOLE   0 0 1,600
PAYCHEX INC COM 704326107 1,611 14,360 SH   SOLE   0 0 14,359
PAYPAL HLDGS INC COM 70450Y103 580 6,741 SH   SOLE   0 0 6,741
PEPSICO INC COM 713448108 1,772 10,855 SH   SOLE   0 0 10,855
PFIZER INC COM 717081103 269 6,142 SH   SOLE   0 0 6,142
PROCORE TECHNOLOGIES INC COM 74275K108 1,237 25,006 SH   SOLE   0 0 25,006
PROCTER AND GAMBLE CO COM 742718109 1,961 15,535 SH   SOLE   0 0 15,535
PROLOGIS INC. COM 74340W103 812 7,991 SH   SOLE   0 0 7,991
QUALCOMM INC COM 747525103 2,086 18,461 SH   SOLE   0 0 18,460
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,473 17,998 SH   SOLE   0 0 17,997
REMITLY GLOBAL INC COM 75960P104 368 33,109 SH   SOLE   0 0 33,109
REPUBLIC SVCS INC COM 760759100 460 3,380 SH   SOLE   0 0 3,380
ROCKWELL AUTOMATION INC COM 773903109 234 1,087 SH   SOLE   0 0 1,086
ROSS STORES INC COM 778296103 814 9,656 SH   SOLE   0 0 9,656
ROYAL BK CDA COM 780087102 1,262 14,021 SH   SOLE   0 0 14,021
SALESFORCE INC COM 79466L302 602 4,186 SH   SOLE   0 0 4,186
SCHLUMBERGER LTD COM STK 806857108 2,155 60,038 SH   SOLE   0 0 60,038
SCHWAB CHARLES CORP COM 808513105 1,272 17,692 SH   SOLE   0 0 17,692
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,433 57,933 SH   SOLE   0 0 57,933
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 487 11,508 SH   SOLE   0 0 11,508
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 202 3,338 SH   SOLE   0 0 3,338
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 8,321 183,653 SH   SOLE   0 0 183,653
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,543 38,284 SH   SOLE   0 0 38,284
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,429 12,027 SH   SOLE   0 0 12,026
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 819 6,761 SH   SOLE   0 0 6,760
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 759 11,372 SH   SOLE   0 0 11,371
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,925 63,414 SH   SOLE   0 0 63,414
SELECT SECTOR SPDR TR ENERGY 81369Y506 678 9,410 SH   SOLE   0 0 9,409
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 664 4,661 SH   SOLE   0 0 4,660
SMUCKER J M CO COM NEW 832696405 1,840 13,389 SH   SOLE   0 0 13,389
SOUTHWEST AIRLS CO COM 844741108 1,074 34,827 SH   SOLE   0 0 34,827
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 3,833 13,342 SH   SOLE   0 0 13,342
SPDR GOLD TR GOLD SHS 78463V107 1,427 9,228 SH   SOLE   0 0 9,228
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,988 19,565 SH   SOLE   0 0 19,564
SPDR SER TR PRTFLO S&P500 HI 78468R788 478 13,479 SH   SOLE   0 0 13,478
SPDR SER TR BLOOMBERG SHT TE 78468R408 1,123 47,214 SH   SOLE   0 0 47,213
SPDR SER TR S&P DIVID ETF 78464A763 543 4,866 SH   SOLE   0 0 4,865
SPROTT PHYSICAL GOLD TR UNIT 85207H104 284 22,215 SH   SOLE   0 0 22,215
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107 173 26,180 SH   SOLE   0 0 26,180
STANLEY BLACK & DECKER INC COM 854502101 567 7,535 SH   SOLE   0 0 7,535
STARBUCKS CORP COM 855244109 1,416 16,802 SH   SOLE   0 0 16,802
STERIS PLC SHS USD G8473T100 1,368 8,227 SH   SOLE   0 0 8,227
STRYKER CORPORATION COM 863667101 1,407 6,945 SH   SOLE   0 0 6,945
SYSCO CORP COM 871829107 512 7,237 SH   SOLE   0 0 7,236
TARGET CORP COM 87612E106 411 2,772 SH   SOLE   0 0 2,772
TESLA INC COM 88160R101 723 2,727 SH   SOLE   0 0 2,727
TEXAS INSTRS INC COM 882508104 617 3,985 SH   SOLE   0 0 3,984
THERMO FISHER SCIENTIFIC INC COM 883556102 653 1,288 SH   SOLE   0 0 1,288
TRUIST FINL CORP COM 89832Q109 924 21,229 SH   SOLE   0 0 21,228
TWILIO INC CL A 90138F102 208 3,002 SH   SOLE   0 0 3,002
UBER TECHNOLOGIES INC COM 90353T100 601 22,682 SH   SOLE   0 0 22,682
UNION PAC CORP COM 907818108 770 3,953 SH   SOLE   0 0 3,953
UNITED PARCEL SERVICE INC CL B 911312106 466 2,882 SH   SOLE   0 0 2,882
UNITEDHEALTH GROUP INC COM 91324P102 1,801 3,566 SH   SOLE   0 0 3,565
US BANCORP DEL COM NEW 902973304 290 7,184 SH   SOLE   0 0 7,183
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 371 4,630 SH   SOLE   0 0 4,630
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 439 1,337 SH   SOLE   0 0 1,337
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,843 19,824 SH   SOLE   0 0 19,824
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,636 21,615 SH   SOLE   0 0 21,615
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,589 27,254 SH   SOLE   0 0 27,254
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 1,740 27,644 SH   SOLE   0 0 27,644
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,769 24,152 SH   SOLE   0 0 24,152
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,284 28,043 SH   SOLE   0 0 28,043
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 338 1,512 SH   SOLE   0 0 1,512
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 214 1,359 SH   SOLE   0 0 1,359
VANGUARD WORLD FDS INF TECH ETF 92204A702 519 1,687 SH   SOLE   0 0 1,687
VERIZON COMMUNICATIONS INC COM 92343V104 1,513 39,860 SH   SOLE   0 0 39,859
VISA INC COM CL A 92826C839 3,247 18,276 SH   SOLE   0 0 18,275
WALMART INC COM 931142103 590 4,551 SH   SOLE   0 0 4,550
WASTE MGMT INC DEL COM 94106L109 2,243 14,001 SH   SOLE   0 0 14,001
WELLS FARGO CO NEW COM 949746101 290 7,209 SH   SOLE   0 0 7,208
WORKDAY INC CL A 98138H101 934 6,139 SH   SOLE   0 0 6,139
WORLD GOLD TR SPDR GLD MINIS 98149E303 2,312 70,115 SH   SOLE   0 0 70,115
WP CAREY INC COM 92936U109 1,199 17,184 SH   SOLE   0 0 17,183
XYLEM INC COM 98419M100 270 3,085 SH   SOLE   0 0 3,085
YUM BRANDS INC COM 988498101 725 6,813 SH   SOLE   0 0 6,813