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
Estimated average burden
hours per response: 23.8
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
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 291,906 1,603 SH   SOLE   0 0 1,603
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364 BBG012R45GX9 211,994 3,920 SH   SOLE   0 0 3,920
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 BBG00Q9MQ6T1 626,182 9,824 SH   SOLE   0 0 9,824
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 255,866 3,885 SH   SOLE   0 0 3,885
AMERICAN CENTY ETF TR US EQT ETF 025072885 BBG00Q9MPQH1 319,068 3,565 SH   SOLE   0 0 3,565
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 735,728 19,402 SH   SOLE   0 0 19,402
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 202,538 1,284 SH   SOLE   0 0 1,284
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 709,294 23,471 SH   SOLE   0 0 23,471
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 BBG01631TNW2 275,900 10,314 SH   SOLE   0 0 10,314
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 BBG011DXXNJ2 1,210,141 21,238 SH   SOLE   0 0 21,238
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 BBG012G2PD33 1,185,526 46,601 SH   SOLE   0 0 46,601
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 BBG008229899 1,105,851 42,386 SH   SOLE   0 0 42,386
GXO LOGISTICS INCORPORATED COMMON STOCK 36262G101 BBG00YDGX9Z1 325,517 6,055 SH   SOLE   0 0 6,055
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 3,855,947 74,728 SH   SOLE   0 0 74,728
ISHARES INC JP MORGAN EM ETF 464286517 BBG0025X4J38 287,301 7,964 SH   SOLE   0 0 7,964
ISHARES TR 0-5YR INVT GR CP 46434V100 BBG005DW0468 1,498,395 30,443 SH   SOLE   0 0 30,443
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 491,456 5,194 SH   SOLE   0 0 5,194
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 377,520 6,561 SH   SOLE   0 0 6,561
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 8,402,766 113,214 SH   SOLE   0 0 113,214
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 511,472 7,537 SH   SOLE   0 0 7,537
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 16,065,411 139,336 SH   SOLE   0 0 139,336
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 2,235,677 24,720 SH   SOLE   0 0 24,720
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 771,049 1,467 SH   SOLE   0 0 1,467
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 4,627,292 101,498 SH   SOLE   0 0 101,498
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 225,311 2,301 SH   SOLE   0 0 2,301
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 440,472 4,044 SH   SOLE   0 0 4,044
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 871,953 9,724 SH   SOLE   0 0 9,724
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 3,429,804 31,876 SH   SOLE   0 0 31,876
ISHARES TR RUS TP200 GR ETF 464289438 BBG001T5LBR7 327,768 1,680 SH   SOLE   0 0 1,680
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 6,934,475 66,213 SH   SOLE   0 0 66,213
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 323,797 3,151 SH   SOLE   0 0 3,151
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 215,723 1,077 SH   SOLE   0 0 1,077
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 422,261 11,795 SH   SOLE   0 0 11,795
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 563,261 2,738 SH   SOLE   0 0 2,738
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 3,120,266 87,061 SH   SOLE   0 0 87,061
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 407,246 11,253 SH   SOLE   0 0 11,253
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 BBG001T2PHC3 334,800 6,000 SH   SOLE   0 0 6,000
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 218,851 2,384 SH   SOLE   0 0 2,384
SPROTT PHYSICAL GOLD TR UNIT 85207H104 BBG001T66XM9 1,352,947 78,205 SH   SOLE   0 0 78,205
TESLA INC COM 88160R101 BBG001SQKGD7 489,927 2,787 SH   SOLE   0 0 2,787
VANECK ETF TRUST GOLD MINERS ETF 92189F106 BBG001SR42Z0 671,158 21,226 SH   SOLE   0 0 21,226
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 1,860,988 24,682 SH   SOLE   0 0 24,682
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 581,542 7,585 SH   SOLE   0 0 7,585
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 1,232,512 16,970 SH   SOLE   0 0 16,970
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 791,150 15,967 SH   SOLE   0 0 15,967
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 1,594,939 6,652 SH   SOLE   0 0 6,652
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 277,362 3,207 SH   SOLE   0 0 3,207
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 711,683 3,709 SH   SOLE   0 0 3,709
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 2,244,404 9,818 SH   SOLE   0 0 9,818
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 7,298,256 28,081 SH   SOLE   0 0 28,081
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 598,673 3,676 SH   SOLE   0 0 3,676
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 912,407 15,557 SH   SOLE   0 0 15,557
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,951,278 46,715 SH   SOLE   0 0 46,715
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 378,585 5,622 SH   SOLE   0 0 5,622
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 1,393,880 11,930 SH   SOLE   0 0 11,930
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 BBG001TCVT65 1,940,997 46,061 SH   SOLE   0 0 46,061
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 2,203,435 43,546 SH   SOLE   0 0 43,546
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 2,099,911 26,083 SH   SOLE   0 0 26,083
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 444,455 5,749 SH   SOLE   0 0 5,749
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 4,178,989 83,297 SH   SOLE   0 0 83,297
XPO INC COM 983793100 BBG001SJW3C0 784,653 6,430 SH   SOLE   0 0 6,430