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 INC COM 00724F101 BBG001S5NCQ5 1,155,433 2,266 SH   SOLE   0 0 2,266
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 472,812 4,598 SH   SOLE   0 0 4,598
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 463,329 3,542 SH   SOLE   0 0 3,542
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 627,606 4,760 SH   SOLE   0 0 4,760
AMAZON COM INC COM 023135106 BBG001S5PQL7 700,813 5,513 SH   SOLE   0 0 5,513
APPLE INC COM 037833100 BBG001S5N8V8 3,389,944 19,803 SH   SOLE   0 0 19,803
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 808,548 5,840 SH   SOLE   0 0 5,840
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 245,005 1,453 SH   SOLE   0 0 1,453
CISCO SYS INC COM 17275R102 BBG001S6HC62 538,644 10,019 SH   SOLE   0 0 10,019
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 2,314,127 44,087 SH   SOLE   0 0 44,087
GEN DIGITAL INC COM 668771108 BBG001S5QG38 280,281 15,853 SH   SOLE   0 0 15,853
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 288,757 2,612 SH   SOLE   0 0 2,612
INTUIT COM 461202103 BBG001S6TWR2 228,390 447 SH   SOLE   0 0 447
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 BBG001SSJYS0 223,035 12,516 SH   SOLE   0 0 12,516
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 BBG001SSH3K8 2,682,971 90,825 SH   SOLE   0 0 90,825
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,069,078 2,984 SH   SOLE   0 0 2,984
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 2,138,076 44,927 SH   SOLE   0 0 44,927
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 8,229,188 201,203 SH   SOLE   0 0 201,203
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 249,204 8,230 SH   SOLE   0 0 8,230
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 10,859,123 203,545 SH   SOLE   0 0 203,545
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 420,536 4,742 SH   SOLE   0 0 4,742
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 5,713,710 88,791 SH   SOLE   0 0 88,791
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 8,350,117 88,652 SH   SOLE   0 0 88,652
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 618,815 1,441 SH   SOLE   0 0 1,441
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 411,257 4,373 SH   SOLE   0 0 4,373
ISHARES TR EGSADVNCDMSCI EM 46436E742 BBG00XR16C66 537,358 15,870 SH   SOLE   0 0 15,870
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 250,942 3,630 SH   SOLE   0 0 3,630
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 374,861 11,140 SH   SOLE   0 0 11,140
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 501,010 5,335 SH   SOLE   0 0 5,335
ISHARES TR ESG EAFE ETF 46436E759 BBG00VHK1HS9 999,931 17,515 SH   SOLE   0 0 17,515
ISHARES TR ESG MSCI USA ETF 46436E767 BBG00VHK2B74 273,508 7,891 SH   SOLE   0 0 7,891
ISHARES TR INTL EQTY FACTOR 46434V274 BBG008LPBS09 6,873,817 265,912 SH   SOLE   0 0 265,912
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 1,796,820 26,071 SH   SOLE   0 0 26,071
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 430,967 11,356 SH   SOLE   0 0 11,356
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 7,385,744 219,748 SH   SOLE   0 0 219,748
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 12,753,035 96,768 SH   SOLE   0 0 96,768
ISHARES TR MSCI USA SMCP MN 46435G433 BBG00DRM2VW7 4,810,726 145,559 SH   SOLE   0 0 145,559
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 901,027 5,098 SH   SOLE   0 0 5,098
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 570,990 2,330 SH   SOLE   0 0 2,330
ISHARES TR U S EQUITY FACTR 46434V282 BBG008LNYFB5 8,391,223 193,703 SH   SOLE   0 0 193,703
ISHARES TR US SML CAP EQT 46434V290 BBG008LP6CK8 5,268,023 101,837 SH   SOLE   0 0 101,837
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 347,914 2,234 SH   SOLE   0 0 2,234
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 687,053 1,680 SH   SOLE   0 0 1,680
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,135,269 3,595 SH   SOLE   0 0 3,595
ORACLE CORP COM 68389X105 BBG001S5SJG6 358,857 3,388 SH   SOLE   0 0 3,388
PEPSICO INC COM 713448108 BBG001S695T1 495,520 2,924 SH   SOLE   0 0 2,924
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 501,447 20,946 SH   SOLE   0 0 20,946
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 4,940,583 145,482 SH   SOLE   0 0 145,482
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 BBG0051GPYJ9 888,990 16,136 SH   SOLE   0 0 16,136
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 997,273 17,818 SH   SOLE   0 0 17,818
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 438,786 9,049 SH   SOLE   0 0 9,049
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 BBG0051QPC87 2,977,041 113,541 SH   SOLE   0 0 113,541
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 1,786,410 56,407 SH   SOLE   0 0 56,407
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 5,790,274 180,158 SH   SOLE   0 0 180,158
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 4,465,445 89,578 SH   SOLE   0 0 89,578
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 593,336 11,726 SH   SOLE   0 0 11,726
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 1,878,350 60,572 SH   SOLE   0 0 60,572
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 615,951 1,441 SH   SOLE   0 0 1,441
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,656,093 31,551 SH   SOLE   0 0 31,551
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 228,398 453 SH   SOLE   0 0 453
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 20,617,664 105,359 SH   SOLE   0 0 105,359
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 664,841 1,693 SH   SOLE   0 0 1,693
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,619,135 13,853 SH   SOLE   0 0 13,853
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 41,199,267 193,961 SH   SOLE   0 0 193,961
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 5,551,266 107,023 SH   SOLE   0 0 107,023
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,181,175 55,628 SH   SOLE   0 0 55,628
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 4,198,495 27,021 SH   SOLE   0 0 27,021
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 389,572 7,279 SH   SOLE   0 0 7,279
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 16,237,445 371,396 SH   SOLE   0 0 371,396
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 4,493,576 62,997 SH   SOLE   0 0 62,997