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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
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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 1,269,776 6,971 SH   SOLE   6,971 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,310,042 6,779 SH   SOLE   6,779 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,778,645 8,445 SH   SOLE   8,444 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,070,698 2,632 SH   SOLE   2,632 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 201,575 1,751 SH   SOLE   1,751 0 0
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 BBG004HQLXB7 3,043,323 66,579 SH   SOLE   66,578 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 BBG001T06LL9 1,897,271 76,906 SH   SOLE   76,906 0 0
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 BBG002DJ8L77 385,287 14,118 SH   SOLE   14,118 0 0
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102 BBG00449DVH6 311,590 7,137 SH   SOLE   7,137 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 1,321,607 23,235 SH   SOLE   23,235 0 0
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 6,719,403 117,288 SH   SOLE   117,287 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 3,047,686 61,051 SH   SOLE   61,051 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 327,712 5,600 SH   SOLE   5,600 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 643,530 6,033 SH   SOLE   6,033 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 432,597 3,642 SH   SOLE   3,642 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 13,404,648 24,495 SH   SOLE   24,495 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 1,368,202 14,095 SH   SOLE   14,095 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 6,809,834 98,188 SH   SOLE   98,188 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 4,256,739 50,700 SH   SOLE   50,699 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 1,257,106 6,451 SH   SOLE   6,451 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 2,010,066 18,865 SH   SOLE   18,865 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 572,587 7,062 SH   SOLE   7,062 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 1,608,068 17,377 SH   SOLE   17,377 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,255,436 12,008 SH   SOLE   12,008 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 725,977 4,967 SH   SOLE   4,967 0 0
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 1,208,706 5,976 SH   SOLE   5,976 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 1,113,822 2,209 SH   SOLE   2,209 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,346,254 3,012 SH   SOLE   3,012 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 2,314,645 18,736 SH   SOLE   18,736 0 0
POWERSHARES ACTIVELY MANAGED ULTRA SHRT DUR 46090A887 BBG00KJR1T91 3,621,730 72,580 SH   SOLE   72,579 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 991,518 4,978 SH   SOLE   4,978 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 3,058,940 58,814 SH   SOLE   58,814 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 1,262,670 35,994 SH   SOLE   35,994 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 5,004,815 132,859 SH   SOLE   132,859 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 426,668 784 SH   SOLE   784 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 2,565,012 54,355 SH   SOLE   54,355 0 0
SPDR SER TR PORTFLI HIGH YLD 78468R606 BBG0034VNBZ2 3,036,734 130,725 SH   SOLE   130,724 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 239,457 3,609 SH   SOLE   3,609 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 13,061,692 163,006 SH   SOLE   163,006 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 1,417,202 11,143 SH   SOLE   11,143 0 0
SPDR SER TR SSGA US LRG ETF 78468R804 BBG0045LC1R4 14,228,241 93,257 SH   SOLE   93,257 0 0
SPDR SER TR SSGA US SMAL ETF 78468R887 BBG0045LCCP2 9,699,762 88,165 SH   SOLE   88,164 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 864,736 4,370 SH   SOLE   4,370 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 6,382,207 83,210 SH   SOLE   83,210 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 18,332,709 254,444 SH   SOLE   254,444 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 10,857,749 44,848 SH   SOLE   44,848 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 397,357 4,744 SH   SOLE   4,744 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 3,876,600 77,362 SH   SOLE   77,361 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 3,071,630 38,429 SH   SOLE   38,429 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 6,154,760 124,540 SH   SOLE   124,539 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 12,497,641 105,376 SH   SOLE   105,376 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 BBG001SHVR41 207,700 1,023 SH   SOLE   1,023 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 4,316,098 7,486 SH   SOLE   7,485 0 0