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
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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 967,074 6,923 SH   SOLE   6,923 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,023,772 6,738 SH   SOLE   6,738 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,538,892 7,993 SH   SOLE   7,993 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 830,661 2,329 SH   SOLE   2,329 0 0
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 BBG004HQLXB7 2,706,714 58,752 SH   SOLE   58,752 0 0
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 BBG00KJR1T91 3,132,978 62,810 SH   SOLE   62,810 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 BBG001T06LL9 1,717,500 68,755 SH   SOLE   68,755 0 0
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 BBG002DJ8L77 543,850 19,306 SH   SOLE   19,306 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102 BBG00449DVH6 315,099 7,137 SH   SOLE   7,137 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 1,304,171 22,509 SH   SOLE   22,509 0 0
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 6,409,046 109,127 SH   SOLE   109,127 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 2,755,354 55,328 SH   SOLE   55,328 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 310,408 1,120 SH   SOLE   1,120 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 652,639 6,029 SH   SOLE   6,029 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 394,718 3,751 SH   SOLE   3,751 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 11,688,887 24,473 SH   SOLE   24,473 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 1,709,284 17,222 SH   SOLE   17,222 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 6,299,130 90,844 SH   SOLE   90,844 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 4,067,454 52,127 SH   SOLE   52,127 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 1,053,673 6,716 SH   SOLE   6,716 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 2,051,768 18,926 SH   SOLE   18,926 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 596,111 7,669 SH   SOLE   7,669 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 1,277,376 17,009 SH   SOLE   17,009 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,423,200 13,499 SH   SOLE   13,499 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 818,026 5,219 SH   SOLE   5,219 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,023,492 6,017 SH   SOLE   6,017 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 1,087,365 3,072 SH   SOLE   3,072 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,084,123 2,883 SH   SOLE   2,883 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,133,063 2,288 SH   SOLE   2,288 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 2,679,791 51,337 SH   SOLE   51,337 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 1,329,689 39,097 SH   SOLE   39,097 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 4,435,255 125,254 SH   SOLE   125,254 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 365,989 770 SH   SOLE   770 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 2,149,355 44,975 SH   SOLE   44,975 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606 BBG0034VNBZ2 2,697,561 115,379 SH   SOLE   115,379 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 224,156 3,835 SH   SOLE   3,835 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 10,961,491 168,483 SH   SOLE   168,483 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 1,330,806 10,649 SH   SOLE   10,649 0 0
SPDR SER TR SSGA US LRG ETF 78468R804 BBG0045LC1R4 12,575,267 86,720 SH   SOLE   86,720 0 0
SPDR SER TR SSGA US SMAL ETF 78468R887 BBG0045LCCP2 9,455,708 84,036 SH   SOLE   84,036 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 772,524 3,109 SH   SOLE   3,109 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 238,491 453 SH   SOLE   453 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 5,908,820 76,718 SH   SOLE   76,718 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 16,388,407 222,820 SH   SOLE   222,820 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 10,065,461 43,266 SH   SOLE   43,266 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 482,004 5,455 SH   SOLE   5,455 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 3,665,696 71,806 SH   SOLE   71,806 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 2,746,207 33,787 SH   SOLE   33,787 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 5,496,765 114,755 SH   SOLE   114,755 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 11,246,789 100,751 SH   SOLE   100,751 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 3,723,170 7,693 SH   SOLE   7,693 0 0