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   1,211,022 53,185 SH   SOLE   0 0 53,185
AFFIRM HLDGS INC COM CL A 00827B106   434,938 8,851 SH   SOLE   0 0 8,851
ALPHABET INC CAP STK CL C 02079K107   1,795,931 12,743 SH   SOLE   0 0 12,743
ALPHABET INC CAP STK CL A 02079K305   1,623,802 11,624 SH   SOLE   0 0 11,624
AMAZON COM INC COM 023135106   1,807,589 11,897 SH   SOLE   0 0 11,897
APPLE INC COM 037833100   2,884,082 14,980 SH   SOLE   0 0 14,980
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   412,656 1,157 SH   SOLE   0 0 1,157
BOX INC CL A 10316T104   687,654 26,851 SH   SOLE   0 0 26,851
EATON VANCE CALIF MUN BD FD COM 27828A100   1,163,972 127,210 SH   SOLE   0 0 127,210
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   209,832 8,400 SH   SOLE   0 0 8,400
ISHARES GOLD TR ISHARES NEW 464285204   1,040,345 26,655 SH   SOLE   0 0 26,655
ISHARES INC MSCI EMRG CHN 46434G764   226,959 4,096 SH   SOLE   0 0 4,096
ISHARES TR NATIONAL MUN ETF 464288414   4,831,942 44,571 SH   SOLE   0 0 44,571
ISHARES TR CALIF MUN BD ETF 464288356   11,178,991 192,121 SH   SOLE   0 0 192,121
ISHARES TR MSCI KLD400 SOC 464288570   287,718 3,160 SH   SOLE   0 0 3,160
ISHARES TR NEW YORK MUN ETF 464288323   1,680,144 31,062 SH   SOLE   0 0 31,062
ISHARES TR RUS 1000 VAL ETF 464287598   1,759,417 10,717 SH   SOLE   0 0 10,717
ISHARES TR GNMA BOND ETF 46429B333   2,198,119 49,635 SH   SOLE   0 0 49,635
META PLATFORMS INC CL A 30303M102   286,354 809 SH   SOLE   0 0 809
MICROSOFT CORP COM 594918104   331,393 881 SH   SOLE   0 0 881
NUVEEN AMT FREE QLTY MUN INC COM 670657105   621,500 56,500 SH   SOLE   0 0 56,500
NUVEEN CALIFORNIA AMT QLT MU COM 670651108   924,354 80,100 SH   SOLE   0 0 80,100
PIMCO ETF TR INV GRD CRP BD 72201R817   2,889,206 29,706 SH   SOLE   0 0 29,706
SCHWAB STRATEGIC TR MUN BD ETF 808524649   4,823,811 91,780 SH   SOLE   0 0 91,780
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   370,393 7,841 SH   SOLE   0 0 7,841
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   40,123,882 720,615 SH   SOLE   0 0 720,615
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,830,990 24,044 SH   SOLE   0 0 24,044
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,163,716 127,621 SH   SOLE   0 0 127,621
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   13,022,899 352,351 SH   SOLE   0 0 352,351
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,385,670 28,600 SH   SOLE   0 0 28,600
SCHWAB STRATEGIC TR US TIPS ETF 808524870   993,418 19,031 SH   SOLE   0 0 19,031
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   4,600,627 92,531 SH   SOLE   0 0 92,531
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   228,736 3,093 SH   SOLE   0 0 3,093
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   454,276 18,474 SH   SOLE   0 0 18,474
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   10,333,794 221,420 SH   SOLE   0 0 221,420
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   246,468 6,555 SH   SOLE   0 0 6,555
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   421,145 6,650 SH   SOLE   0 0 6,650
SPDR S&P 500 ETF TR TR UNIT 78462F103   827,515 1,741 SH   SOLE   0 0 1,741
SPDR SER TR NUVEEN BLMBRG SH 78468R739   205,497 4,300 SH   SOLE   0 0 4,300
TESLA INC COM 88160R101   408,805 1,645 SH   SOLE   0 0 1,645
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,225,490 16,662 SH   SOLE   0 0 16,662
VANGUARD INDEX FDS GROWTH ETF 922908736   695,128 2,236 SH   SOLE   0 0 2,236
VANGUARD INDEX FDS TOTAL STK MKT 922908769   959,318 4,044 SH   SOLE   0 0 4,044
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,016,706 4,617 SH   SOLE   0 0 4,617
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   5,703,873 55,442 SH   SOLE   0 0 55,442
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,155,832 38,401 SH   SOLE   0 0 38,401
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,983,963 96,933 SH   SOLE   0 0 96,933
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   380,844 2,235 SH   SOLE   0 0 2,235
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   17,063,213 356,206 SH   SOLE   0 0 356,206
VANGUARD WORLD FDS ENERGY ETF 92204A306   221,307 1,887 SH   SOLE   0 0 1,887
WORLD GOLD TR SPDR GLD MINIS 98149E303   395,804 9,675 SH   SOLE   0 0 9,675