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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 657,752 6,341 SH   SOLE   6,341 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 640,605 6,202 SH   SOLE   6,202 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,017,268 6,169 SH   SOLE   6,169 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 616,305 1,996 SH   SOLE   1,996 0 0
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 BBG00KJR1T91 3,614,625 72,876 SH   SOLE   72,876 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 BBG001T06LL9 1,388,879 56,071 SH   SOLE   56,071 0 0
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 BBG002DJ8L77 830,677 30,361 SH   SOLE   30,361 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102 BBG00449DVH6 780,553 18,431 SH   SOLE   18,431 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 1,502,165 26,161 SH   SOLE   26,161 0 0
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 5,207,236 93,757 SH   SOLE   93,757 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 2,706,397 55,289 SH   SOLE   55,289 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 280,179 1,120 SH   SOLE   1,120 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 634,545 6,562 SH   SOLE   6,562 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 279,800 3,090 SH   SOLE   3,090 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 9,773,221 23,775 SH   SOLE   23,775 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 2,440,682 24,495 SH   SOLE   24,495 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 2,759,103 25,172 SH   SOLE   25,172 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 5,441,191 80,432 SH   SOLE   80,432 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 14,746,435 202,728 SH   SOLE   202,728 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 1,796,744 12,923 SH   SOLE   12,923 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 3,328,304 30,892 SH   SOLE   30,892 0 0
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 244,560 2,686 SH   SOLE   2,686 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 586,559 8,389 SH   SOLE   8,389 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 1,232,310 19,288 SH   SOLE   19,288 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,401,351 13,387 SH   SOLE   13,387 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 605,430 3,906 SH   SOLE   3,906 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 689,861 5,294 SH   SOLE   5,294 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 791,384 3,734 SH   SOLE   3,734 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 846,161 2,935 SH   SOLE   2,935 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 960,251 3,457 SH   SOLE   3,457 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 5,877,093 182,973 SH   SOLE   182,973 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 3,951,930 115,791 SH   SOLE   115,791 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 346,344 846 SH   SOLE   846 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 1,728,490 36,351 SH   SOLE   36,351 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 2,708,098 101,541 SH   SOLE   101,541 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 599,361 11,885 SH   SOLE   11,885 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 8,266,577 149,324 SH   SOLE   149,324 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 1,266,543 10,238 SH   SOLE   10,238 0 0
SPDR SER TR SSGA US LRG ETF 78468R804 BBG0045LC1R4 371,686 2,717 SH   SOLE   2,717 0 0
SPDR SER TR SSGA US SMAL ETF 78468R887 BBG0045LCCP2 7,171,683 68,218 SH   SOLE   68,218 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 BBG004DF1DW8 2,554,475 61,613 SH   SOLE   61,613 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 651,839 3,142 SH   SOLE   3,142 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 5,887,129 76,966 SH   SOLE   76,966 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 14,447,867 195,691 SH   SOLE   195,691 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 8,427,730 39,957 SH   SOLE   39,957 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 384,641 4,632 SH   SOLE   4,632 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 2,369,470 46,772 SH   SOLE   46,772 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 314,248 6,957 SH   SOLE   6,957 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 9,575,286 90,761 SH   SOLE   90,761 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 BBG001SHVR41 209,582 1,083 SH   SOLE   1,083 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 3,197,281 8,295 SH   SOLE   8,295 0 0
WISDOMTREE TR US HGH YLD CORP 97717X172 BBG00CSKF0K9 2,600,686 58,129 SH   SOLE   58,129 0 0