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
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108   1,085,180 49,665 SH   SOLE   49,665 0 0
ALPHABET INC CAP STK CL A 02079K305   1,415,372 11,824 SH   SOLE   11,824 0 0
ALPHABET INC CAP STK CL C 02079K107   1,546,411 12,783 SH   SOLE   12,783 0 0
AMAZON COM INC COM 023135106   1,746,347 13,396 SH   SOLE   13,396 0 0
APPLE INC COM 037833100   3,017,643 15,557 SH   SOLE   15,557 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   394,537 1,157 SH   SOLE   1,157 0 0
BOX INC CL A 10316T104   686,640 23,371 SH   SOLE   23,371 0 0
EATON VANCE CALIF MUN BD FD COM 27828A100   1,303,939 146,510 SH   SOLE   146,510 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   206,976 8,400 SH   SOLE   8,400 0 0
ISHARES GOLD TR ISHARES NEW 464285204   1,018,738 27,995 SH   SOLE   27,995 0 0
ISHARES TR GNMA BOND ETF 46429B333   1,916,772 43,722 SH   SOLE   43,722 0 0
ISHARES TR MSCI KLD400 SOC 464288570   211,267 2,510 SH   SOLE   2,510 0 0
ISHARES TR NEW YORK MUN ETF 464288323   1,321,807 24,818 SH   SOLE   24,818 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   714,654 4,528 SH   SOLE   4,528 0 0
ISHARES TR NATIONAL MUN ETF 464288414   4,734,650 44,361 SH   SOLE   44,361 0 0
ISHARES TR CALIF MUN BD ETF 464288356   9,944,714 174,622 SH   SOLE   174,622 0 0
META PLATFORMS INC CL A 30303M102   248,525 866 SH   SOLE   866 0 0
MICROSOFT CORP COM 594918104   379,220 1,114 SH   SOLE   1,114 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105   694,055 63,500 SH   SOLE   63,500 0 0
NUVEEN CALIFORNIA AMT QLT MU COM 670651108   1,054,756 91,400 SH   SOLE   91,400 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817   2,418,296 25,496 SH   SOLE   25,496 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   216,401 4,941 SH   SOLE   4,941 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   33,655,778 650,982 SH   SOLE   650,982 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,579,473 21,750 SH   SOLE   21,750 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,367,832 136,737 SH   SOLE   136,737 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   12,333,801 345,969 SH   SOLE   345,969 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,321,298 48,300 SH   SOLE   48,300 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,039,206 19,821 SH   SOLE   19,821 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   4,024,648 81,669 SH   SOLE   81,669 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   292,714 12,227 SH   SOLE   12,227 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   8,676,654 187,969 SH   SOLE   187,969 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649   3,533,838 68,180 SH   SOLE   68,180 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   805,749 1,818 SH   SOLE   1,818 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   202,315 4,300 SH   SOLE   4,300 0 0
TESLA INC COM 88160R101   646,318 2,469 SH   SOLE   2,469 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   235,007 3,233 SH   SOLE   3,233 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   660,146 2,333 SH   SOLE   2,333 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   409,721 1,860 SH   SOLE   1,860 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   379,178 931 SH   SOLE   931 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   5,676,045 58,528 SH   SOLE   58,528 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,277,819 23,485 SH   SOLE   23,485 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,001,461 98,364 SH   SOLE   98,364 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   15,704,362 340,068 SH   SOLE   340,068 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   233,908 2,072 SH   SOLE   2,072 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   271,241 613 SH   SOLE   613 0 0