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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 796,230 2,366 SH   SOLE   0 0 2,366
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 326,246 5,037 SH   SOLE   0 0 5,037
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 410,270 4,650 SH   SOLE   0 0 4,650
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 422,355 4,760 SH   SOLE   0 0 4,760
AMAZON COM INC COM 023135106 BBG001S5PQL7 409,080 4,870 SH   SOLE   0 0 4,870
APPLE INC COM 037833100 BBG001S5N8V8 2,814,213 21,659 SH   SOLE   0 0 21,659
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 595,159 6,112 SH   SOLE   0 0 6,112
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 260,799 1,453 SH   SOLE   0 0 1,453
CISCO SYS INC COM 17275R102 BBG001S6HC62 509,005 10,684 SH   SOLE   0 0 10,684
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 2,382,414 46,577 SH   SOLE   0 0 46,577
EBAY INC. COM 278642103 BBG001S9B9J5 227,670 5,490 SH   SOLE   0 0 5,490
GEN DIGITAL INC COM 668771108 BBG001S5QG38 339,730 15,853 SH   SOLE   0 0 15,853
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 262,901 1,866 SH   SOLE   0 0 1,866
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 220,532 12,516 SH   SOLE   0 0 12,516
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 2,815,440 95,052 SH   SOLE   0 0 95,052
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 293,382 1,852 SH   SOLE   0 0 1,852
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 794,580 2,984 SH   SOLE   0 0 2,984
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 2,280,735 48,838 SH   SOLE   0 0 48,838
ISHARES INC MSCI EMERG MKT 46434G889 BBG00BM64QL2 7,093,103 172,834 SH   SOLE   0 0 172,834
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 9,609,230 181,135 SH   SOLE   0 0 181,135
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 5,426,044 88,028 SH   SOLE   0 0 88,028
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 220,417 2,329 SH   SOLE   0 0 2,329
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 7,742,596 91,304 SH   SOLE   0 0 91,304
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 565,947 1,473 SH   SOLE   0 0 1,473
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 381,585 3,934 SH   SOLE   0 0 3,934
ISHARES TR EGSADVNCDMSCI EM 46436E742 BBG00XR16C66 346,167 10,165 SH   SOLE   0 0 10,165
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 320,811 4,880 SH   SOLE   0 0 4,880
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 292,303 8,890 SH   SOLE   0 0 8,890
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 497,059 5,865 SH   SOLE   0 0 5,865
ISHARES TR ESG EAFE ETF 46436E759 BBG00VHK1HS9 838,743 15,455 SH   SOLE   0 0 15,455
ISHARES TR INTL EQTY FACTOR 46434V274 BBG008LPBS09 7,625,466 309,968 SH   SOLE   0 0 309,968
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 1,846,713 28,134 SH   SOLE   0 0 28,134
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 459,279 12,118 SH   SOLE   0 0 12,118
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 6,516,459 201,187 SH   SOLE   0 0 201,187
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 9,474,969 83,143 SH   SOLE   0 0 83,143
ISHARES TR MSCI USA SMCP MN 46435G433 BBG00DRM2VW7 4,691,598 135,595 SH   SOLE   0 0 135,595
ISHARES TR MSCI USA SML CP 46434V290 BBG008LP6CK8 4,782,590 96,307 SH   SOLE   0 0 96,307
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,499,668 14,212 SH   SOLE   0 0 14,212
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 961,253 5,513 SH   SOLE   0 0 5,513
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 514,184 2,330 SH   SOLE   0 0 2,330
ISHARES TR U S EQUITY FACTR 46434V282 BBG008LNYFB5 9,352,990 239,759 SH   SOLE   0 0 239,759
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 390,882 2,213 SH   SOLE   0 0 2,213
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 853,790 1,755 SH   SOLE   0 0 1,755
MERCK & CO INC COM 58933Y105 BBG001S5TC52 287,064 2,587 SH   SOLE   0 0 2,587
MICROSOFT CORP COM 594918104 BBG001S5TD05 833,264 3,475 SH   SOLE   0 0 3,475
ORACLE CORP COM 68389X105 BBG001S5SJG6 572,632 7,006 SH   SOLE   0 0 7,006
PEPSICO INC COM 713448108 BBG001S695T1 646,303 3,577 SH   SOLE   0 0 3,577
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 496,029 20,956 SH   SOLE   0 0 20,956
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 5,177,834 160,752 SH   SOLE   0 0 160,752
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 BBG0051GPYJ9 1,008,989 19,175 SH   SOLE   0 0 19,175
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 994,946 18,618 SH   SOLE   0 0 18,618
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 428,843 9,179 SH   SOLE   0 0 9,179
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 BBG0051QPC87 3,303,343 133,307 SH   SOLE   0 0 133,307
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 2,156,905 74,197 SH   SOLE   0 0 74,197
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 5,274,463 168,729 SH   SOLE   0 0 168,729
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 820,369 17,971 SH   SOLE   0 0 17,971
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 4,100,644 91,512 SH   SOLE   0 0 91,512
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 529,429 11,726 SH   SOLE   0 0 11,726
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 1,809,009 60,930 SH   SOLE   0 0 60,930
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 561,031 1,467 SH   SOLE   0 0 1,467
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,497,367 31,664 SH   SOLE   0 0 31,664
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 293,190 553 SH   SOLE   0 0 553
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 18,712,704 107,421 SH   SOLE   0 0 107,421
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 594,819 1,693 SH   SOLE   0 0 1,693
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,804,808 15,282 SH   SOLE   0 0 15,282
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 33,930,598 177,471 SH   SOLE   0 0 177,471
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 5,540,058 110,492 SH   SOLE   0 0 110,492
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,369,807 60,795 SH   SOLE   0 0 60,795
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 269,324 2,620 SH   SOLE   0 0 2,620
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,028,650 20,785 SH   SOLE   0 0 20,785
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 5,408,650 35,618 SH   SOLE   0 0 35,618
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 376,470 7,279 SH   SOLE   0 0 7,279
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 13,106,629 312,286 SH   SOLE   0 0 312,286
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 4,508,125 64,744 SH   SOLE   0 0 64,744
WISDOMTREE TR YIELD ENHANCD US 97717X511 BBG009KCY2C6 2,871,418 67,325 SH   SOLE   0 0 67,325