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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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 739,028 6,174 SH   SOLE   6,174 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 794,675 6,096 SH   SOLE   6,096 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,165,372 6,008 SH   SOLE   6,008 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 689,502 2,022 SH   SOLE   2,022 0 0
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 BBG004HQLXB7 1,130,280 24,951 SH   SOLE   24,951 0 0
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 BBG00KJR1T91 3,152,115 63,500 SH   SOLE   63,500 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 BBG001T06LL9 1,466,844 59,531 SH   SOLE   59,531 0 0
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 BBG002DJ8L77 678,800 24,819 SH   SOLE   24,819 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102 BBG00449DVH6 742,272 18,636 SH   SOLE   18,636 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 1,563,164 27,448 SH   SOLE   27,448 0 0
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 5,544,636 99,778 SH   SOLE   99,778 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 2,699,120 54,760 SH   SOLE   54,760 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 292,858 1,120 SH   SOLE   1,120 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 630,087 6,323 SH   SOLE   6,323 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 351,343 3,591 SH   SOLE   3,591 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 10,663,389 23,925 SH   SOLE   23,925 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 2,056,264 20,993 SH   SOLE   20,993 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 1,542,401 14,263 SH   SOLE   14,263 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 5,603,344 83,013 SH   SOLE   83,013 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 10,898,785 146,627 SH   SOLE   146,627 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 1,351,911 9,372 SH   SOLE   9,372 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 2,976,700 27,890 SH   SOLE   27,890 0 0
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 241,478 2,499 SH   SOLE   2,499 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 611,042 8,367 SH   SOLE   8,367 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 1,285,414 18,238 SH   SOLE   18,238 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,495,055 14,370 SH   SOLE   14,370 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 679,129 4,103 SH   SOLE   4,103 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 778,686 5,354 SH   SOLE   5,354 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 1,054,365 3,674 SH   SOLE   3,674 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 946,020 2,778 SH   SOLE   2,778 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,262,715 2,985 SH   SOLE   2,985 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 1,143,813 21,816 SH   SOLE   21,816 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 3,684,309 113,224 SH   SOLE   113,224 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 3,967,951 115,415 SH   SOLE   115,415 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 371,469 838 SH   SOLE   838 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 1,594,148 33,882 SH   SOLE   33,882 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606 BBG0034VNBZ2 1,117,949 48,947 SH   SOLE   48,947 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 BBG001STKCZ6 1,504,715 58,232 SH   SOLE   58,232 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 538,031 9,883 SH   SOLE   9,883 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 9,660,323 158,340 SH   SOLE   158,340 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 1,254,974 10,238 SH   SOLE   10,238 0 0
SPDR SER TR SSGA US LRG ETF 78468R804 BBG0045LC1R4 4,775,832 33,965 SH   SOLE   33,965 0 0
SPDR SER TR SSGA US SMAL ETF 78468R887 BBG0045LCCP2 7,642,915 73,993 SH   SOLE   73,993 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 BBG004DF1DW8 1,513,852 36,156 SH   SOLE   36,156 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 846,302 3,233 SH   SOLE   3,233 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 5,786,168 76,567 SH   SOLE   76,567 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 14,857,909 204,401 SH   SOLE   204,401 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 9,011,369 40,931 SH   SOLE   40,931 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 445,876 5,336 SH   SOLE   5,336 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 2,598,734 51,747 SH   SOLE   51,747 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 1,101,678 13,940 SH   SOLE   13,940 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 2,548,997 55,197 SH   SOLE   55,197 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 10,006,326 94,337 SH   SOLE   94,337 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 BBG001SHVR41 210,589 1,083 SH   SOLE   1,083 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 3,435,804 7,771 SH   SOLE   7,771 0 0
WISDOMTREE TR US HGH YLD CORP 97717X172 BBG00CSKF0K9 1,531,004 34,676 SH   SOLE   34,676 0 0