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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
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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
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108   971,891 42,055 SH   SOLE   42,055 0 0
ALPHABET INC CAP STK CL A 02079K305   1,402,879 13,524 SH   SOLE   13,524 0 0
ALPHABET INC CAP STK CL C 02079K107   312,356 3,003 SH   SOLE   3,003 0 0
AMAZON COM INC COM 023135106   1,439,485 13,936 SH   SOLE   13,936 0 0
APPLE INC COM 037833100   3,804,452 23,071 SH   SOLE   23,071 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   681,455 2,207 SH   SOLE   2,207 0 0
BOX INC CL A 10316T104   624,341 23,305 SH   SOLE   23,305 0 0
EATON VANCE CALIF MUN BD FD COM 27828A100   1,117,668 123,910 SH   SOLE   123,910 0 0
EXXON MOBIL CORP COM 30231G102   200,020 1,824 SH   SOLE   1,824 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   208,068 8,400 SH   SOLE   8,400 0 0
ISHARES GOLD TR ISHARES NEW 464285204   1,015,941 27,186 SH   SOLE   27,186 0 0
ISHARES TR CALIF MUN BD ETF 464288356   10,376,975 180,721 SH   SOLE   180,721 0 0
ISHARES TR GNMA BOND ETF 46429B333   2,037,557 45,829 SH   SOLE   45,829 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   616,349 4,048 SH   SOLE   4,048 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   310,059 1,738 SH   SOLE   1,738 0 0
ISHARES TR NEW YORK MUN ETF 464288323   930,539 17,390 SH   SOLE   17,390 0 0
ISHARES TR NATIONAL MUN ETF 464288414   5,313,629 49,319 SH   SOLE   49,319 0 0
MICROSOFT CORP COM 594918104   240,323 834 SH   SOLE   834 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105   649,408 58,400 SH   SOLE   58,400 0 0
NUVEEN CALIFORNIA AMT QLT MU COM 670651108   1,017,336 87,400 SH   SOLE   87,400 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817   2,451,753 25,486 SH   SOLE   25,486 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   32,150,327 671,898 SH   SOLE   671,898 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   228,127 5,441 SH   SOLE   5,441 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649   3,243,344 61,935 SH   SOLE   61,935 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,768,496 112,908 SH   SOLE   112,908 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   12,792,173 367,591 SH   SOLE   367,591 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,386,026 69,400 SH   SOLE   69,400 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,028,284 19,181 SH   SOLE   19,181 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   4,083,468 80,973 SH   SOLE   80,973 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   323,589 13,694 SH   SOLE   13,694 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   8,285,437 176,624 SH   SOLE   176,624 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,879,311 25,688 SH   SOLE   25,688 0 0
SPDR GOLD TR GOLD SHS 78463V107   293,152 1,600 SH   SOLE   1,600 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   744,147 1,818 SH   SOLE   1,818 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   204,465 4,300 SH   SOLE   4,300 0 0
TESLA INC COM 88160R101   376,754 1,816 SH   SOLE   1,816 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   582,297 2,853 SH   SOLE   2,853 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   532,056 2,133 SH   SOLE   2,133 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   436,617 1,161 SH   SOLE   1,161 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,871,523 95,830 SH   SOLE   95,830 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,130,089 21,135 SH   SOLE   21,135 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   5,340,207 57,989 SH   SOLE   57,989 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   13,214,772 292,556 SH   SOLE   292,556 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   267,302 693 SH   SOLE   693 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   248,108 2,172 SH   SOLE   2,172 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303   200,048 5,115 SH   SOLE   5,115 0 0