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
AFFIRM HLDGS INC COM CL A 00827B106   42,361,055 1,991,587 SH   SOLE   0 0 1,991,587
ISHARES TR MSCI ACWI ETF 464288257   38,528,556 417,111 SH   SOLE   0 0 417,111
SPDR S&P 500 ETF TR TR UNIT 78462F103   13,769,490 32,092 SH   SOLE   0 0 32,092
COINBASE GLOBAL INC COM CL A 19260Q107   11,252,615 149,875 SH   SOLE   0 0 149,875
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   8,631,263 92,630 SH   SOLE   0 0 92,630
ISHARES TR MSCI EMG MKT ETF 464287234   6,948,721 183,102 SH   SOLE   0 0 183,102
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   6,700,854 203,118 SH   SOLE   0 0 203,118
ISHARES GOLD TR ISHARES NEW 464285204   6,034,585 172,466 SH   SOLE   0 0 172,466
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   5,953,696 151,841 SH   SOLE   0 0 151,841
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   5,833,974 115,639 SH   SOLE   0 0 115,639
GITLAB INC CLASS A COM 37637K108   5,812,217 128,532 SH   SOLE   0 0 128,532
META PLATFORMS INC CL A 30303M102   5,592,312 18,628 SH   SOLE   0 0 18,628
SPDR GOLD TR GOLD SHS 78463V107   5,163,388 30,116 SH   SOLE   0 0 30,116
ISHARES TR RUS MID CAP ETF 464287499   4,753,318 68,319 SH   SOLE   0 0 68,319
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,494,511 11,402 SH   SOLE   0 0 11,402
ISHARES TR RUS 1000 GRW ETF 464287614   4,467,937 16,765 SH   SOLE   0 0 16,765
INVESCO QQQ TR UNIT SER 1 46090E103   3,219,516 8,973 SH   SOLE   0 0 8,973
APPLE INC COM 037833100   3,009,779 17,579 SH   SOLE   0 0 17,579
MICROSOFT CORP COM 594918104   2,417,299 7,656 SH   SOLE   0 0 7,656
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,406,975 24,036 SH   SOLE   0 0 24,036
ORACLE CORP COM 68389X105   2,366,571 22,343 SH   SOLE   0 0 22,343
ALPHABET INC CAP STK CL A 02079K305   2,131,317 16,287 SH   SOLE   0 0 16,287
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,987,953 5,675 SH   SOLE   0 0 5,675
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,929,057 60,624 SH   SOLE   0 0 60,624
DISNEY WALT CO COM 254687106   1,764,377 21,769 SH   SOLE   0 0 21,769
UNILEVER PLC SPON ADR NEW 904767704   1,681,823 34,045 SH   SOLE   0 0 34,045
RTX CORPORATION COM 75513E101   1,651,280 22,944 SH   SOLE   0 0 22,944
GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100   1,509,182 833,802 SH   SOLE   0 0 833,802
HOME DEPOT INC COM 437076102   1,440,397 4,767 SH   SOLE   0 0 4,767
NOVO-NORDISK A S ADR 670100205   1,393,928 15,328 SH   SOLE   0 0 15,328
ADOBE INC COM 00724F101   1,382,849 2,712 SH   SOLE   0 0 2,712
MEDTRONIC PLC SHS G5960L103   1,364,561 17,262 SH   SOLE   0 0 17,262
DOCUSIGN INC COM 256163106   1,234,044 29,382 SH   SOLE   0 0 29,382
NIKE INC CL B 654106103   1,209,029 12,604 SH   SOLE   0 0 12,604
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,194,044 3,888 SH   SOLE   0 0 3,888
ISHARES TR MSCI EAFE ETF 464287465   1,161,164 16,848 SH   SOLE   0 0 16,848
VISA INC COM CL A 92826C839   1,110,258 4,827 SH   SOLE   0 0 4,827
PALO ALTO NETWORKS INC COM 697435105   1,103,275 4,706 SH   SOLE   0 0 4,706
GENERAL DYNAMICS CORP COM 369550108   1,099,326 4,975 SH   SOLE   0 0 4,975
JOHNSON & JOHNSON COM 478160104   1,085,266 6,968 SH   SOLE   0 0 6,968
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,078,896 18,200 SH   SOLE   0 0 18,200
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   1,074,445 24,683 SH   SOLE   0 0 24,683
NVIDIA CORPORATION COM 67066G104   940,448 2,162 SH   SOLE   0 0 2,162
WALMART INC COM 931142103   920,237 5,754 SH   SOLE   0 0 5,754
C H ROBINSON WORLDWIDE INC COM NEW 12541W209   900,621 10,383 SH   SOLE   0 0 10,383
STARBUCKS CORP COM 855244109   860,859 9,432 SH   SOLE   0 0 9,432
INTUIT COM 461202103   835,898 1,636 SH   SOLE   0 0 1,636
BIOGEN INC COM 09062X103   827,572 3,220 SH   SOLE   0 0 3,220
CISCO SYS INC COM 17275R102   825,261 15,351 SH   SOLE   0 0 15,351
ALPHABET INC CAP STK CL C 02079K107   693,531 5,260 SH   SOLE   0 0 5,260
PALANTIR TECHNOLOGIES INC CL A 69608A108   691,536 43,221 SH   SOLE   0 0 43,221
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   680,834 15,573 SH   SOLE   0 0 15,573
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   650,216 13,594 SH   SOLE   0 0 13,594
INTERNATIONAL FLAVORS&FRAGRA COM 459506101   641,743 9,303 SH   SOLE   0 0 9,303
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   633,898 4,840 SH   SOLE   0 0 4,840
3M CO COM 88579Y101   632,403 6,755 SH   SOLE   0 0 6,755
PROCTER AND GAMBLE CO COM 742718109   605,757 4,153 SH   SOLE   0 0 4,153
BECTON DICKINSON & CO COM 075887109   514,475 1,990 SH   SOLE   0 0 1,990
PEPSICO INC COM 713448108   510,184 3,011 SH   SOLE   0 0 3,011
VANGUARD INDEX FDS TOTAL STK MKT 922908769   495,128 2,331 SH   SOLE   0 0 2,331
AMAZON COM INC COM 023135106   451,403 3,551 SH   SOLE   0 0 3,551
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   406,158 11,960 SH   SOLE   0 0 11,960
ISHARES TR CORE S&P US GWT 464287671   402,990 4,234 SH   SOLE   0 0 4,234
WORKDAY INC CL A 98138H101   397,902 1,852 SH   SOLE   0 0 1,852
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   365,392 2,340 SH   SOLE   0 0 2,340
VANGUARD INDEX FDS LARGE CAP ETF 922908637   355,177 1,815 SH   SOLE   0 0 1,815
COSTCO WHSL CORP NEW COM 22160K105   324,287 574 SH   SOLE   0 0 574
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   310,570 10,514 SH   SOLE   0 0 10,514
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   310,252 6,224 SH   SOLE   0 0 6,224
THERMO FISHER SCIENTIFIC INC COM 883556102   304,419 601 SH   SOLE   0 0 601
JPMORGAN CHASE & CO COM 46625H100   295,841 2,040 SH   SOLE   0 0 2,040
WISDOMTREE TR EMER MKT HIGH FD 97717W315   293,809 7,839 SH   SOLE   0 0 7,839
ISHARES TR CALIF MUN BD ETF 464288356   273,095 4,980 SH   SOLE   0 0 4,980
WEAVE COMMUNICATIONS INC COM 94724R108   255,682 31,372 SH   SOLE   0 0 31,372
ISHARES TR 1 3 YR TREAS BD 464287457   246,554 3,045 SH   SOLE   0 0 3,045
ISHARES TR RUS 2000 VAL ETF 464287630   244,295 1,790 SH   SOLE   0 0 1,790
COCA COLA CO COM 191216100   239,531 4,244 SH   SOLE   0 0 4,244
VANGUARD INDEX FDS MID CAP ETF 922908629   232,188 1,115 SH   SOLE   0 0 1,115
ISHARES TR NATIONAL MUN ETF 464288414   228,127 2,225 SH   SOLE   0 0 2,225
BANK AMERICA CORP COM 060505104   227,254 8,300 SH   SOLE   0 0 8,300
ISHARES TR CORE US AGGBD ET 464287226   224,473 2,387 SH   SOLE   0 0 2,387
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   224,256 1,368 SH   SOLE   0 0 1,368
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   222,904 3,293 SH   SOLE   0 0 3,293
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   222,595 12,184 SH   SOLE   0 0 12,184
AIRBNB INC COM CL A 009066101   220,908 1,610 SH   SOLE   0 0 1,610
DANAHER CORPORATION COM 235851102   216,839 874 SH   SOLE   0 0 874
SALESFORCE INC COM 79466L302   214,136 1,056 SH   SOLE   0 0 1,056
VANGUARD WORLD FDS INF TECH ETF 92204A702   213,296 513 SH   SOLE   0 0 513
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   210,878 2,775 SH   SOLE   0 0 2,775
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   209,595 6,231 SH   SOLE   0 0 6,231
GOLDMAN SACHS GROUP INC COM 38141G104   208,379 644 SH   SOLE   0 0 644
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   206,044 2,741 SH   SOLE   0 0 2,741
TILRAY BRANDS INC COM 88688T100   23,900 10,000 SH   SOLE   0 0 10,000