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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
APPLE INC COM 037833100 BBG001S5N8V8 689,007 4,018 SH   SOLE   0 0 4,018
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 BBG001SPJ625 1,162,985 37,395 SH   SOLE   0 0 37,395
ECOLAB INC COM 278865100 BBG001S5QRB5 1,126,330 4,878 SH   SOLE   0 0 4,878
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 1,165,902 22,595 SH   SOLE   0 0 22,595
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 216,618 6,721 SH   SOLE   0 0 6,721
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 641,622 6,453 SH   SOLE   0 0 6,453
ISHARES TR 0-5YR INVT GR CP 46434V100 BBG005DW0468 277,059 5,629 SH   SOLE   0 0 5,629
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 3,600,365 44,025 SH   SOLE   0 0 44,025
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 257,477 3,505 SH   SOLE   0 0 3,505
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 6,675,114 182,430 SH   SOLE   0 0 182,430
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 977,777 16,993 SH   SOLE   0 0 16,993
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 205,643 3,564 SH   SOLE   0 0 3,564
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 2,461,536 49,280 SH   SOLE   0 0 49,280
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 14,141,211 190,531 SH   SOLE   0 0 190,531
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 6,990,870 115,095 SH   SOLE   0 0 115,095
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 9,588,494 86,758 SH   SOLE   0 0 86,758
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,959,860 5,630 SH   SOLE   0 0 5,630
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 692,828 7,074 SH   SOLE   0 0 7,074
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 4,532,596 84,249 SH   SOLE   0 0 84,249
ISHARES TR ESG ADVNCD HY BD 46435G441 BBG00D331HK0 612,931 13,415 SH   SOLE   0 0 13,415
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 301,021 3,767 SH   SOLE   0 0 3,767
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 957,097 23,767 SH   SOLE   0 0 23,767
ISHARES TR ESG AWRE USD ETF 46435G193 BBG00H4BH3F2 1,529,663 66,536 SH   SOLE   0 0 66,536
ISHARES TR ESG SCRD S&P MID 46436E551 BBG00XDJF7W4 513,048 12,489 SH   SOLE   0 0 12,489
ISHARES TR ESG SCRND S&P500 46436E569 BBG00XDJC7F6 282,951 7,023 SH   SOLE   0 0 7,023
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 6,104,059 78,529 SH   SOLE   0 0 78,529
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 10,139,581 93,092 SH   SOLE   0 0 93,092
ISHARES TR INTL TREA BD ETF 464288117 BBG001T33MN2 3,381,985 85,339 SH   SOLE   0 0 85,339
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 560,537 7,019 SH   SOLE   0 0 7,019
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 263,405 6,412 SH   SOLE   0 0 6,412
ISHARES TR MSCI KLD400 SOC 464288570 BBG001SRYH02 2,021,241 20,050 SH   SOLE   0 0 20,050
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 241,132 2,241 SH   SOLE   0 0 2,241
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 5,271,525 18,302 SH   SOLE   0 0 18,302
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 10,206,885 30,283 SH   SOLE   0 0 30,283
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 3,950,450 22,056 SH   SOLE   0 0 22,056
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 295,492 3,514 SH   SOLE   0 0 3,514
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,247,782 11,617 SH   SOLE   0 0 11,617
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 11,589,475 508,980 SH   SOLE   0 0 508,980
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 252,313 1,595 SH   SOLE   0 0 1,595
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 377,296 777 SH   SOLE   0 0 777
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 360,644 5,643 SH   SOLE   0 0 5,643
ROSS STORES INC COM 778296103 BBG001S5VRS1 205,317 1,399 SH   SOLE   0 0 1,399
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 4,659,644 50,255 SH   SOLE   0 0 50,255
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 429,433 8,233 SH   SOLE   0 0 8,233
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 4,768,046 133,037 SH   SOLE   0 0 133,037
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 1,553,094 42,915 SH   SOLE   0 0 42,915
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 427,280 817 SH   SOLE   0 0 817
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 1,867,678 43,394 SH   SOLE   0 0 43,394
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 4,593,970 91,696 SH   SOLE   0 0 91,696
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 750,440 8,603 SH   SOLE   0 0 8,603
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 408,804 5,332 SH   SOLE   0 0 5,332
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 899,668 12,387 SH   SOLE   0 0 12,387
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 9,480,389 192,730 SH   SOLE   0 0 192,730
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 13,869,883 40,296 SH   SOLE   0 0 40,296
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 4,742,932 19,782 SH   SOLE   0 0 19,782
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 1,100,432 4,667 SH   SOLE   0 0 4,667
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 1,147,342 7,359 SH   SOLE   0 0 7,359
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 2,920,364 11,688 SH   SOLE   0 0 11,688
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 1,095,615 12,669 SH   SOLE   0 0 12,669
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,179,678 6,148 SH   SOLE   0 0 6,148
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 4,399,672 19,247 SH   SOLE   0 0 19,247
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 1,419,360 5,444 SH   SOLE   0 0 5,444
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 17,470,481 107,273 SH   SOLE   0 0 107,273
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 445,975 7,604 SH   SOLE   0 0 7,604
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 3,675,426 87,992 SH   SOLE   0 0 87,992
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 363,964 7,600 SH   SOLE   0 0 7,600
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 1,057,647 18,064 SH   SOLE   0 0 18,064
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 1,953,334 24,262 SH   SOLE   0 0 24,262
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 3,259,235 42,158 SH   SOLE   0 0 42,158
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 BBG001TCHM11 2,957,313 12,409 SH   SOLE   0 0 12,409
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 BBG001TCH581 2,793,450 35,522 SH   SOLE   0 0 35,522
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 BBG001TCHH03 1,001,670 7,164 SH   SOLE   0 0 7,164
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 7,104,524 141,609 SH   SOLE   0 0 141,609
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 1,045,839 18,198 SH   SOLE   0 0 18,198
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 2,272,997 24,391 SH   SOLE   0 0 24,391