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
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   4,651,811 53,617 SH   SOLE Pacific Capital Wealth Advisors 0 0 53,617
AGNC INVT CORP COM 00123Q104   101,300 10,000 SH   SOLE Pacific Capital Wealth Advisors 0 0 10,000
AIRBNB INC COM CL A 009066101   750,889 5,859 SH   SOLE Pacific Capital Wealth Advisors 0 0 5,859
AMAZON COM INC COM 023135106   626,268 4,804 SH   SOLE Pacific Capital Wealth Advisors 0 0 4,804
AMERICAN EXPRESS CO COM 025816109   218,273 1,253 SH   SOLE Pacific Capital Wealth Advisors 0 0 1,253
AMERICAN WTR WKS CO INC NEW COM 030420103   468,363 3,281 SH   SOLE Pacific Capital Wealth Advisors 0 0 3,281
APPLE INC COM 037833100   6,606,574 34,060 SH   SOLE Pacific Capital Wealth Advisors 0 0 34,060
CHEVRON CORP NEW COM 166764100   1,949,881 12,392 SH   SOLE Pacific Capital Wealth Advisors 0 0 12,392
CHUBB LIMITED COM H1467J104   234,923 1,220 SH   SOLE Pacific Capital Wealth Advisors 0 0 1,220
COSTCO WHSL CORP NEW COM 22160K105   912,124 1,694 SH   SOLE Pacific Capital Wealth Advisors 0 0 1,694
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   3,185,150 58,897 SH   SOLE Pacific Capital Wealth Advisors 0 0 58,897
HONEYWELL INTL INC COM 438516106   294,068 1,417 SH   SOLE Pacific Capital Wealth Advisors 0 0 1,417
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   9,861,376 65,901 SH   SOLE Pacific Capital Wealth Advisors 0 0 65,901
INVESCO QQQ TR UNIT SER 1 46090E103   15,346,638 41,543 SH   SOLE Pacific Capital Wealth Advisors 0 0 41,543
ISHARES GOLD TR ISHARES NEW 464285204   3,477,319 95,557 SH   SOLE Pacific Capital Wealth Advisors 0 0 95,557
ISHARES TR CORE S&P TTL STK 464287150   720,689 7,366 SH   SOLE Pacific Capital Wealth Advisors 0 0 7,366
ISHARES TR ISHS 1-5YR INVS 464288646   307,943 6,138 SH   SOLE Pacific Capital Wealth Advisors 0 0 6,138
ISHARES TR CORE US AGGBD ET 464287226   4,252,751 43,418 SH   SOLE Pacific Capital Wealth Advisors 0 0 43,418
ISHARES TR RUS 1000 ETF 464287622   5,229,198 21,454 SH   SOLE Pacific Capital Wealth Advisors 0 0 21,454
ISHARES TR RUS 1000 GRW ETF 464287614   2,118,515 7,699 SH   SOLE Pacific Capital Wealth Advisors 0 0 7,699
ISHARES TR RUSSELL 2000 ETF 464287655   7,164,450 38,257 SH   SOLE Pacific Capital Wealth Advisors 0 0 38,257
ISHARES TR ISHARES BIOTECH 464287556   8,863,839 69,816 SH   SOLE Pacific Capital Wealth Advisors 0 0 69,816
ISHARES TR CORE MSCI EAFE 46432F842   33,059,496 489,770 SH   SOLE Pacific Capital Wealth Advisors 0 0 489,770
ISHARES TR GRWT ALLOCAT ETF 464289867   1,150,909 22,369 SH   SOLE Pacific Capital Wealth Advisors 0 0 22,369
ISHARES TR JPMORGAN USD EMG 464288281   403,796 4,666 SH   SOLE Pacific Capital Wealth Advisors 0 0 4,666
ISHARES TR EAFE SML CP ETF 464288273   2,688,963 45,591 SH   SOLE Pacific Capital Wealth Advisors 0 0 45,591
ISHARES TR CALIF MUN BD ETF 464288356   2,659,961 46,707 SH   SOLE Pacific Capital Wealth Advisors 0 0 46,707
ISHARES TR 0-5 YR TIPS ETF 46429B747   10,639,384 109,010 SH   SOLE Pacific Capital Wealth Advisors 0 0 109,010
ISHARES TR CORE HIGH DV ETF 46429B663   320,311 3,178 SH   SOLE Pacific Capital Wealth Advisors 0 0 3,178
MATCH GROUP INC NEW COM 57667L107   2,223,281 53,125 SH   SOLE Pacific Capital Wealth Advisors 0 0 53,125
MCDONALDS CORP COM 580135101   230,373 772 SH   SOLE Pacific Capital Wealth Advisors 0 0 772
META PLATFORMS INC CL A 30303M102   307,643 1,072 SH   SOLE Pacific Capital Wealth Advisors 0 0 1,072
MICROSOFT CORP COM 594918104   1,774,622 5,211 SH   SOLE Pacific Capital Wealth Advisors 0 0 5,211
NIKE INC CL B 654106103   202,308 1,833 SH   SOLE Pacific Capital Wealth Advisors 0 0 1,833
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,206,935 57,931 SH   SOLE Pacific Capital Wealth Advisors 0 0 57,931
SCHWAB STRATEGIC TR US REIT ETF 808524847   3,186,847 163,177 SH   SOLE Pacific Capital Wealth Advisors 0 0 163,177
SCHWAB STRATEGIC TR US TIPS ETF 808524870   13,904,465 265,201 SH   SOLE Pacific Capital Wealth Advisors 0 0 265,201
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,624,961 50,773 SH   SOLE Pacific Capital Wealth Advisors 0 0 50,773
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,160,768 144,762 SH   SOLE Pacific Capital Wealth Advisors 0 0 144,762
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,825,979 130,341 SH   SOLE Pacific Capital Wealth Advisors 0 0 130,341
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,154,920 17,214 SH   SOLE Pacific Capital Wealth Advisors 0 0 17,214
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   13,368,429 180,240 SH   SOLE Pacific Capital Wealth Advisors 0 0 180,240
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,347,344 20,589 SH   SOLE Pacific Capital Wealth Advisors 0 0 20,589
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   468,157 11,399 SH   SOLE Pacific Capital Wealth Advisors 0 0 11,399
SPDR S&P 500 ETF TR TR UNIT 78462F103   87,382,974 197,128 SH   SOLE Pacific Capital Wealth Advisors 0 0 197,128
SPDR SER TR BBG CONV SEC ETF 78464A359   237,559 3,396 SH   SOLE Pacific Capital Wealth Advisors 0 0 3,396
SUNRUN INC COM 86771W105   809,755 45,339 SH   SOLE Pacific Capital Wealth Advisors 0 0 45,339
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109   359,512 2,443 SH   SOLE Pacific Capital Wealth Advisors 0 0 2,443
TESLA INC COM 88160R101   801,624 3,062 SH   SOLE Pacific Capital Wealth Advisors 0 0 3,062
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,183,542 15,662 SH   SOLE Pacific Capital Wealth Advisors 0 0 15,662
VANGUARD BD INDEX FDS INTERMED TERM 921937819   12,839,429 170,669 SH   SOLE Pacific Capital Wealth Advisors 0 0 170,669
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   32,201,085 442,992 SH   SOLE Pacific Capital Wealth Advisors 0 0 442,992
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   4,439,116 90,817 SH   SOLE Pacific Capital Wealth Advisors 0 0 90,817
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   19,734,643 236,173 SH   SOLE Pacific Capital Wealth Advisors 0 0 236,173
VANGUARD INDEX FDS GROWTH ETF 922908736   327,385 1,157 SH   SOLE Pacific Capital Wealth Advisors 0 0 1,157
VANGUARD INDEX FDS TOTAL STK MKT 922908769   21,382,046 97,068 SH   SOLE Pacific Capital Wealth Advisors 0 0 97,068
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   792,677 19,723 SH   SOLE Pacific Capital Wealth Advisors 0 0 19,723
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   4,070,463 85,839 SH   SOLE Pacific Capital Wealth Advisors 0 0 85,839
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   464,174 9,243 SH   SOLE Pacific Capital Wealth Advisors 0 0 9,243
VANGUARD STAR FDS VG TL INTL STK F 921909768   212,543 3,790 SH   SOLE Pacific Capital Wealth Advisors 0 0 3,790
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   18,966,039 178,807 SH   SOLE Pacific Capital Wealth Advisors 0 0 178,807
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,465,493 5,986 SH   SOLE Pacific Capital Wealth Advisors 0 0 5,986
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   287,397 1,478 SH   SOLE Pacific Capital Wealth Advisors 0 0 1,478
VISA INC COM CL A 92826C839   668,031 2,813 SH   SOLE Pacific Capital Wealth Advisors 0 0 2,813
WALMART INC COM 931142103   254,003 1,616 SH   SOLE Pacific Capital Wealth Advisors 0 0 1,616
WEC ENERGY GROUP INC COM 92939U106   219,718 2,490 SH   SOLE Pacific Capital Wealth Advisors 0 0 2,490