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
ABBOTT LABS COM 002824100   207,110 1,882 SH   SOLE   0 0 1,882
ABBVIE INC COM 00287Y109   466,696 3,012 SH   SOLE   0 0 3,012
ADOBE INC COM 00724F101   700,000 1,173 SH   SOLE   0 0 1,173
ALPHABET INC CAP STK CL C 02079K107   1,998,708 14,182 SH   SOLE   0 0 14,182
ALPHABET INC CAP STK CL A 02079K305   868,711 6,219 SH   SOLE   0 0 6,219
AMAZON COM INC COM 023135106   1,691,945 11,135 SH   SOLE   0 0 11,135
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   23,677,500 378,901 SH   SOLE   0 0 378,901
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   16,106,302 278,849 SH   SOLE   0 0 278,849
AMERICAN CENTY ETF TR US SML CP VALU 025072877   30,591,807 340,666 SH   SOLE   0 0 340,666
APPLE INC COM 037833100   50,767,658 263,687 SH   SOLE   0 0 263,687
APPLIED MATLS INC COM 038222105   1,053,639 6,501 SH   SOLE   0 0 6,501
ASML HOLDING N V N Y REGISTRY SHS N07059210   290,657 384 SH   SOLE   0 0 384
BANK AMERICA CORP COM 060505104   1,485,137 44,109 SH   SOLE   0 0 44,109
BANK NEW YORK MELLON CORP COM 064058100   1,834,430 35,244 SH   SOLE   0 0 35,244
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   644,431 1,807 SH   SOLE   0 0 1,807
BOEING CO COM 097023105   517,636 1,986 SH   SOLE   0 0 1,986
BROADCOM INC COM 11135F101   250,783 225 SH   SOLE   0 0 225
CHEVRON CORP NEW COM 166764100   403,461 2,705 SH   SOLE   0 0 2,705
CINTAS CORP COM 172908105   639,422 1,061 SH   SOLE   0 0 1,061
CISCO SYS INC COM 17275R102   310,936 6,155 SH   SOLE   0 0 6,155
CITIGROUP INC COM NEW 172967424   209,481 4,072 SH   SOLE   0 0 4,072
COLGATE PALMOLIVE CO COM 194162103   265,594 3,332 SH   SOLE   0 0 3,332
COMCAST CORP NEW CL A 20030N101   249,029 5,679 SH   SOLE   0 0 5,679
COSTCO WHSL CORP NEW COM 22160K105   1,210,863 1,834 SH   SOLE   0 0 1,834
CVS HEALTH CORP COM 126650100   233,265 2,954 SH   SOLE   0 0 2,954
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   670,994 18,028 SH   SOLE   0 0 18,028
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   32,660,112 1,354,629 SH   SOLE   0 0 1,354,629
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,358,205 26,205 SH   SOLE   0 0 26,205
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   812,245 15,522 SH   SOLE   0 0 15,522
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   14,013,283 407,837 SH   SOLE   0 0 407,837
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   506,691 20,749 SH   SOLE   0 0 20,749
DISNEY WALT CO COM 254687106   303,799 3,365 SH   SOLE   0 0 3,365
ELI LILLY & CO COM 532457108   374,170 642 SH   SOLE   0 0 642
EQUINIX INC COM 29444U700   356,788 443 SH   SOLE   0 0 443
EXXON MOBIL CORP COM 30231G102   252,220 2,523 SH   SOLE   0 0 2,523
FEDEX CORP COM 31428X106   244,089 965 SH   SOLE   0 0 965
GENELUX CORPORATION COM 36870H103   168,120 12,000 SH   SOLE   0 0 12,000
HOME DEPOT INC COM 437076102   934,723 2,698 SH   SOLE   0 0 2,698
HONEYWELL INTL INC COM 438516106   244,436 1,166 SH   SOLE   0 0 1,166
INTEL CORP COM 458140100   365,091 7,265 SH   SOLE   0 0 7,265
INTUITIVE SURGICAL INC COM NEW 46120E602   2,083,536 6,176 SH   SOLE   0 0 6,176
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   275,454 4,396 SH   SOLE   0 0 4,396
INVESCO QQQ TR UNIT SER 1 46090E103   19,041,306 46,497 SH   SOLE   0 0 46,497
ISHARES INC ESG AWR MSCI EM 46434G863   411,137 12,824 SH   SOLE   0 0 12,824
ISHARES INC CORE MSCI EMKT 46434G103   3,015,065 59,610 SH   SOLE   0 0 59,610
ISHARES INC EM MKT SM-CP ETF 464286475   2,089,147 36,138 SH   SOLE   0 0 36,138
ISHARES TR CORE INTL AGGR 46435G672   510,948 10,260 SH   SOLE   0 0 10,260
ISHARES TR ESG AW MSCI EAFE 46435G516   309,261 4,094 SH   SOLE   0 0 4,094
ISHARES TR CALIF MUN BD ETF 464288356   356,505 6,153 SH   SOLE   0 0 6,153
ISHARES TR ISHS 5-10YR INVT 464288638   345,696 6,648 SH   SOLE   0 0 6,648
ISHARES TR EAFE SML CP ETF 464288273   13,402,115 216,512 SH   SOLE   0 0 216,512
ISHARES TR ESG AWARE MSCI 46435U663   239,425 6,299 SH   SOLE   0 0 6,299
ISHARES TR ESG AWR US AGRGT 46435U549   340,529 7,133 SH   SOLE   0 0 7,133
ISHARES TR USD GRN BOND ETF 46435U440   399,802 8,465 SH   SOLE   0 0 8,465
ISHARES TR CORE S&P MCP ETF 464287507   396,324 1,430 SH   SOLE   0 0 1,430
ISHARES TR S&P SML 600 GWT 464287887   22,813,159 182,301 SH   SOLE   0 0 182,301
ISHARES TR S&P 500 VAL ETF 464287408   3,719,707 21,391 SH   SOLE   0 0 21,391
ISHARES TR CORE S&P500 ETF 464287200   395,161 827 SH   SOLE   0 0 827
ISHARES TR RUS 1000 GRW ETF 464287614   707,322 2,333 SH   SOLE   0 0 2,333
ISHARES TR RUS 2000 VAL ETF 464287630   2,493,416 16,052 SH   SOLE   0 0 16,052
ISHARES TR RUS 2000 GRW ETF 464287648   272,148 1,079 SH   SOLE   0 0 1,079
ISHARES TR RUS MD CP GR ETF 464287481   22,334,436 213,809 SH   SOLE   0 0 213,809
ISHARES TR RUS MDCP VAL ETF 464287473   3,925,886 33,759 SH   SOLE   0 0 33,759
ISHARES TR MRGSTR MD CP GRW 464288307   516,760 8,018 SH   SOLE   0 0 8,018
ISHARES TR EAFE VALUE ETF 464288877   1,286,505 24,693 SH   SOLE   0 0 24,693
ISHARES TR CORE S&P TTL STK 464287150   793,769 7,543 SH   SOLE   0 0 7,543
ISHARES TR PFD AND INCM SEC 464288687   11,601,565 371,964 SH   SOLE   0 0 371,964
ISHARES TR 1 3 YR TREAS BD 464287457   684,308 8,341 SH   SOLE   0 0 8,341
ISHARES TR CORE US AGGBD ET 464287226   319,883 3,223 SH   SOLE   0 0 3,223
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   206,026 4,311 SH   SOLE   0 0 4,311
JOHNSON & JOHNSON COM 478160104   486,025 3,101 SH   SOLE   0 0 3,101
JPMORGAN CHASE & CO COM 46625H100   2,196,554 12,913 SH   SOLE   0 0 12,913
MCDONALDS CORP COM 580135101   469,345 1,583 SH   SOLE   0 0 1,583
MERCK & CO INC COM 58933Y105   259,256 2,378 SH   SOLE   0 0 2,378
META PLATFORMS INC CL A 30303M102   1,453,626 4,107 SH   SOLE   0 0 4,107
MICROSOFT CORP COM 594918104   3,331,829 8,861 SH   SOLE   0 0 8,861
NETFLIX INC COM 64110L106   243,972 501 SH   SOLE   0 0 501
NORTHROP GRUMMAN CORP COM 666807102   514,486 1,099 SH   SOLE   0 0 1,099
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   517,356 14,407 SH   SOLE   0 0 14,407
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508   258,155 8,185 SH   SOLE   0 0 8,185
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409   241,441 5,704 SH   SOLE   0 0 5,704
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   532,557 7,666 SH   SOLE   0 0 7,666
NVIDIA CORPORATION COM 67066G104   546,106 1,102 SH   SOLE   0 0 1,102
ORACLE CORP COM 68389X105   203,723 1,932 SH   SOLE   0 0 1,932
PAYPAL HLDGS INC COM 70450Y103   203,859 3,320 SH   SOLE   0 0 3,320
PEPSICO INC COM 713448108   389,692 2,294 SH   SOLE   0 0 2,294
PROCTER AND GAMBLE CO COM 742718109   327,801 2,237 SH   SOLE   0 0 2,237
QUALCOMM INC COM 747525103   263,727 1,823 SH   SOLE   0 0 1,823
ROSS STORES INC COM 778296103   227,374 1,643 SH   SOLE   0 0 1,643
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   226,840 4,022 SH   SOLE   0 0 4,022
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   2,396,410 68,685 SH   SOLE   0 0 68,685
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   640,003 25,817 SH   SOLE   0 0 25,817
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   718,918 19,120 SH   SOLE   0 0 19,120
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   268,361 1,394 SH   SOLE   0 0 1,394
SELECT SECTOR SPDR TR ENERGY 81369Y506   11,848,407 141,322 SH   SOLE   0 0 141,322
SENSEONICS HLDGS INC COM 81727U105   22,077 38,724 SH   SOLE   0 0 38,724
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   239,358 4,239 SH   SOLE   0 0 4,239
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,738,014 3,656 SH   SOLE   0 0 3,656
SPDR SER TR S&P 600 SMCP GRW 78464A201   388,830 4,649 SH   SOLE   0 0 4,649
SPDR SER TR PORTFOLI S&P1500 78464A805   356,495 6,099 SH   SOLE   0 0 6,099
SPDR SER TR DJ REIT ETF 78464A607   4,040,714 42,391 SH   SOLE   0 0 42,391
SPDR SER TR PORTFOLIO S&P400 78464A847   538,113 11,045 SH   SOLE   0 0 11,045
SPDR SER TR PORTFOLIO SH TSR 78468R101   203,554 7,007 SH   SOLE   0 0 7,007
SPDR SER TR ICE PFD SEC ETF 78464A292   742,133 22,140 SH   SOLE   0 0 22,140
SPDR SER TR PORTFOLIO AGRGTE 78464A649   924,220 36,046 SH   SOLE   0 0 36,046
TESLA INC COM 88160R101   1,879,581 7,564 SH   SOLE   0 0 7,564
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   21,947,311 298,399 SH   SOLE   0 0 298,399
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   19,198,909 388,917 SH   SOLE   0 0 388,917
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   402,349 922 SH   SOLE   0 0 922
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,881,151 8,568 SH   SOLE   0 0 8,568
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   30,184,514 208,155 SH   SOLE   0 0 208,155
VANGUARD INDEX FDS GROWTH ETF 922908736   31,864,321 102,497 SH   SOLE   0 0 102,497
VANGUARD INDEX FDS SML CP GRW ETF 922908595   2,210,337 9,142 SH   SOLE   0 0 9,142
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,346,078 5,675 SH   SOLE   0 0 5,675
VANGUARD INDEX FDS VALUE ETF 922908744   34,379,720 229,965 SH   SOLE   0 0 229,965
VANGUARD INDEX FDS MID CAP ETF 922908629   503,898 2,166 SH   SOLE   0 0 2,166
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,959,867 22,003 SH   SOLE   0 0 22,003
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   21,209,085 240,030 SH   SOLE   0 0 240,030
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,553,711 62,134 SH   SOLE   0 0 62,134
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,597,855 46,275 SH   SOLE   0 0 46,275
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   21,603,909 187,811 SH   SOLE   0 0 187,811
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   12,680,103 217,386 SH   SOLE   0 0 217,386
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   246,356 4,153 SH   SOLE   0 0 4,153
VANGUARD STAR FDS VG TL INTL STK F 921909768   296,938 5,123 SH   SOLE   0 0 5,123
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,060,187 63,887 SH   SOLE   0 0 63,887
VANGUARD WORLD FD MEGA GRWTH IND 921910816   11,489,763 44,275 SH   SOLE   0 0 44,275
VANGUARD WORLD FDS INF TECH ETF 92204A702   954,994 1,973 SH   SOLE   0 0 1,973
VISA INC COM CL A 92826C839   328,909 1,263 SH   SOLE   0 0 1,263
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   100,233 11,521 SH   SOLE   0 0 11,521
WALMART INC COM 931142103   447,738 2,840 SH   SOLE   0 0 2,840
WASTE MGMT INC DEL COM 94106L109   477,423 2,666 SH   SOLE   0 0 2,666
WISDOMTREE TR INTL EQUITY FD 97717W703   786,904 14,986 SH   SOLE   0 0 14,986