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
ABBVIE INC COM 00287Y109   248,157 1,557 SH   SOLE   0 0 1,557
AMAZON COM INC COM 023135106   1,373,447 13,297 SH   SOLE   0 0 13,297
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   218,980 11,459 SH   SOLE   0 0 11,458
APPLE INC COM 037833100   7,174,257 43,507 SH   SOLE   0 0 43,506
AT&T INC COM 00206R102   202,039 10,496 SH   SOLE   0 0 10,495
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   259,058 839 SH   SOLE   0 0 839
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   334,573 7,396 SH   SOLE   0 0 7,395
BOEING CO COM 097023105   1,689,557 7,953 SH   SOLE   0 0 7,953
BROADCOM INC COM 11135F101   596,516 930 SH   SOLE   0 0 929
CLEVELAND-CLIFFS INC NEW COM 185899101   190,045 10,368 SH   SOLE   0 0 10,368
CSX CORP COM 126408103   217,774 7,274 SH   SOLE   0 0 7,273
DISNEY WALT CO COM 254687106   346,632 3,462 SH   SOLE   0 0 3,461
FIRST FNDTN INC COM 32026V104   150,282 20,172 SH   SOLE   0 0 20,172
HOME DEPOT INC COM 437076102   411,910 1,396 SH   SOLE   0 0 1,395
IRON MTN INC DEL COM 46284V101   264,550 5,000 SH   SOLE   0 0 5,000
ISHARES INC CORE MSCI EMKT 46434G103   12,717,357 260,655 SH   SOLE   0 0 260,655
ISHARES INC ESG AWR MSCI EM 46434G863   259,035 8,229 SH   SOLE   0 0 8,228
ISHARES TR MSCI KLD400 SOC 464288570   373,615 4,791 SH   SOLE   0 0 4,790
ISHARES TR ESG AW MSCI EAFE 46435G516   222,465 3,097 SH   SOLE   0 0 3,096
ISHARES TR AGGRES ALLOC ETF 464289859   354,776 5,579 SH   SOLE   0 0 5,579
ISHARES TR FALN ANGLS USD 46435G474   488,235 19,321 SH   SOLE   0 0 19,320
ISHARES TR BROAD USD HIGH 46435U853   783,095 22,028 SH   SOLE   0 0 22,028
ISHARES TR EAFE GRWTH ETF 464288885   18,716,083 199,787 SH   SOLE   0 0 199,787
ISHARES TR ESG AWR MSCI USA 46435G425   13,952,652 154,258 SH   SOLE   0 0 154,258
ISHARES TR ESG MSCI USA ETF 46436E767   364,819 11,032 SH   SOLE   0 0 11,031
ISHARES TR US INFRASTRUC 46435U713   2,096,411 56,174 SH   SOLE   0 0 56,173
ISHARES TR EAFE VALUE ETF 464288877   13,040,957 268,719 SH   SOLE   0 0 268,719
ISHARES TR ESG EAFE ETF 46436E759   214,524 3,600 SH   SOLE   0 0 3,600
ISHARES TR 0-5YR HI YL CP 46434V407   795,052 19,075 SH   SOLE   0 0 19,075
ISHARES TR US TREAS BD ETF 46429B267   5,663,248 242,226 SH   SOLE   0 0 242,226
ISHARES TR 10-20 YR TRS ETF 464288653   1,796,554 15,685 SH   SOLE   0 0 15,684
ISHARES TR MBS ETF 464288588   5,863,685 61,899 SH   SOLE   0 0 61,898
ISHARES TR CORE S&P500 ETF 464287200   243,441 592 SH   SOLE   0 0 592
ISHARES TR U.S. TECH ETF 464287721   8,978,305 96,739 SH   SOLE   0 0 96,738
ISHARES TR MSCI USA VALUE 46432F388   390,128 4,214 SH   SOLE   0 0 4,213
ISHARES TR MSCI USA MIN VOL 46429B697   6,043,904 83,089 SH   SOLE   0 0 83,089
ISHARES TR MSCI USA QLT FCT 46432F339   25,649,337 206,741 SH   SOLE   0 0 206,741
ISHARES TR CORE TOTAL USD 46434V613   7,283,616 157,825 SH   SOLE   0 0 157,824
ISHARES TR JPMORGAN USD EMG 464288281   688,785 7,983 SH   SOLE   0 0 7,983
LAM RESEARCH CORP COM 512807108   217,185 410 SH   SOLE   0 0 409
LOCKHEED MARTIN CORP COM 539830109   356,646 754 SH   SOLE   0 0 754
MCDONALDS CORP COM 580135101   715,232 2,558 SH   SOLE   0 0 2,557
MICROSOFT CORP COM 594918104   1,963,057 6,809 SH   SOLE   0 0 6,809
NVIDIA CORPORATION COM 67066G104   554,109 1,995 SH   SOLE   0 0 1,994
PEPSICO INC COM 713448108   203,940 1,119 SH   SOLE   0 0 1,118
PROCTER AND GAMBLE CO COM 742718109   481,857 3,241 SH   SOLE   0 0 3,240
ROCKWELL AUTOMATION INC COM 773903109   500,691 1,706 SH   SOLE   0 0 1,706
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   10,110,432 215,528 SH   SOLE   0 0 215,528
SELECT SECTOR SPDR TR ENERGY 81369Y506   240,185 2,900 SH   SOLE   0 0 2,899
SEMPRA COM 816851109   807,590 5,343 SH   SOLE   0 0 5,342
SOUTHWEST AIRLS CO COM 844741108   222,724 6,845 SH   SOLE   0 0 6,844
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   272,044 7,936 SH   SOLE   0 0 7,935
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855   347,743 6,384 SH   SOLE   0 0 6,384
SPDR SER TR PORTFOLIO LN TSR 78464A664   475,817 15,409 SH   SOLE   0 0 15,408
SPDR SER TR BBG CONV SEC ETF 78464A359   214,137 3,193 SH   SOLE   0 0 3,192
SPDR SER TR BLOOMBERG INTL 78464A151   260,549 9,129 SH   SOLE   0 0 9,129
SPDR SER TR ICE PFD SEC ETF 78464A292   616,769 18,162 SH   SOLE   0 0 18,161
SPDR SER TR BLOOMBERG EMERGI 78464A391   474,224 22,348 SH   SOLE   0 0 22,347
SPDR SER TR DJ REIT ETF 78464A607   211,987 2,388 SH   SOLE   0 0 2,387
SPDR SER TR BLOOMBERG HIGH Y 78468R622   515,535 5,554 SH   SOLE   0 0 5,554
SPDR SER TR PORTFOLIO S&P500 78464A854   50,995,615 1,059,099 SH   SOLE   0 0 1,059,098
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   443,097 10,687 SH   SOLE   0 0 10,687
STARBUCKS CORP COM 855244109   204,319 1,962 SH   SOLE   0 0 1,962
TESLA INC COM 88160R101   1,454,917 7,013 SH   SOLE   0 0 7,013
UNITEDHEALTH GROUP INC COM 91324P102   281,125 595 SH   SOLE   0 0 594
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   501,520 1,334 SH   SOLE   0 0 1,333
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   543,374 3,528 SH   SOLE   0 0 3,528
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   491,982 4,663 SH   SOLE   0 0 4,663
VERIZON COMMUNICATIONS INC COM 92343V104   231,526 5,953 SH   SOLE   0 0 5,953
WALMART INC COM 931142103   236,683 1,605 SH   SOLE   0 0 1,605
WELLS FARGO CO NEW COM 949746101   215,116 5,755 SH   SOLE   0 0 5,754