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
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 253 1,872 SH   SOLE   1,872 0 0
ALPHABET INC CAP STK CL C 02079K107 231 80 SH   SOLE   80 0 0
AMAZON COM INC COM 023135106 684 205 SH   SOLE   205 0 0
APPLE INC COM 037833100 6,054 34,094 SH   SOLE   34,094 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 609 2,036 SH   SOLE   2,036 0 0
BK OF AMERICA CORP COM 060505104 202 4,530 SH   SOLE   4,530 0 0
BOEING CO COM 097023105 1,046 5,198 SH   SOLE   5,198 0 0
CATERPILLAR INC COM 149123101 326 1,576 SH   SOLE   1,576 0 0
CHEVRON CORP NEW COM 166764100 601 5,118 SH   SOLE   5,118 0 0
COCA COLA CO COM 191216100 1,639 27,683 SH   SOLE   27,683 0 0
COSTCO WHSL CORP NEW COM 22160K105 529 931 SH   SOLE   931 0 0
CVS HEALTH CORP COM 126650100 237 2,297 SH   SOLE   2,297 0 0
DANAHER CORPORATION COM 235851102 884 2,686 SH   SOLE   2,686 0 0
DISNEY WALT CO COM 254687106 1,036 6,690 SH   SOLE   6,690 0 0
EXXON MOBIL CORP COM 30231G102 873 14,260 SH   SOLE   14,260 0 0
GENERAL ELECTRIC CO COM NEW 369604301 429 4,537 SH   SOLE   4,537 0 0
HOME DEPOT INC COM 437076102 4,815 11,603 SH   SOLE   11,603 0 0
INTEL CORP COM 458140100 1,654 32,116 SH   SOLE   32,116 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 505 1,268 SH   SOLE   1,268 0 0
ISHARES TR CALIF MUN BD ETF 464288356 284 4,558 SH   SOLE   4,558 0 0
ISHARES TR CORE S&P SCP ETF 464287804 229 2,000 SH   SOLE   2,000 0 0
ISHARES TR RUS MID CAP ETF 464287499 249 3,000 SH   SOLE   3,000 0 0
ISHARES TR S&P MC 400GR ETF 464287606 253 2,968 SH   SOLE   2,968 0 0
ISHARES TR S&P MC 400VL ETF 464287705 226 2,046 SH   SOLE   2,046 0 0
JOHNSON & JOHNSON COM 478160104 1,601 9,358 SH   SOLE   9,358 0 0
JPMORGAN CHASE & CO COM 46625H100 3,154 19,920 SH   SOLE   19,920 0 0
MCDONALDS CORP COM 580135101 264 983 SH   SOLE   983 0 0
META PLATFORMS INC CL A 30303M102 353 1,049 SH   SOLE   1,049 0 0
MICROSOFT CORP COM 594918104 916 2,722 SH   SOLE   2,722 0 0
NVIDIA CORPORATION COM 67066G104 703 2,391 SH   SOLE   2,391 0 0
ORACLE CORP COM 68389X105 303 3,477 SH   SOLE   3,477 0 0
PFIZER INC COM 717081103 1,568 26,557 SH   SOLE   26,557 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 105 11,246 SH   SOLE   11,246 0 0
PROCTER AND GAMBLE CO COM 742718109 278 1,701 SH   SOLE   1,701 0 0
SNOWFLAKE INC CL A 833445109 223 658 SH   SOLE   658 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,281 144,774 SH   SOLE   144,774 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 401 9,661 SH   SOLE   9,661 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 892 23,611 SH   SOLE   23,611 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 456 959 SH   SOLE   959 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 707 6,507 SH   SOLE   6,507 0 0
SPDR SER TR BLOOMBERG INTL T 78464A516 569 20,118 SH   SOLE   20,118 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 494 10,035 SH   SOLE   10,035 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 1,320 44,570 SH   SOLE   44,570 0 0
SPDR SER TR PORTFOLIO CRPORT 78464A144 2,096 60,203 SH   SOLE   60,203 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 277 7,662 SH   SOLE   7,662 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 323 6,496 SH   SOLE   6,496 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 1,122 36,226 SH   SOLE   36,226 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 321 4,433 SH   SOLE   4,433 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 1,809 43,081 SH   SOLE   43,081 0 0
SPDR SER TR S&P 400 MDCP VAL 78464A839 939 13,210 SH   SOLE   13,210 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,141 25,275 SH   SOLE   25,275 0 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 1,170 43,336 SH   SOLE   43,336 0 0
TESLA INC COM 88160R101 628 594 SH   SOLE   594 0 0
UNION PAC CORP COM 907818108 506 2,010 SH   SOLE   2,010 0 0
UNITEDHEALTH GROUP INC COM 91324P102 241 479 SH   SOLE   479 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,275 14,549 SH   SOLE   14,549 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,427 17,649 SH   SOLE   17,649 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 726 14,535 SH   SOLE   14,535 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 33,765 612,130 SH   SOLE   612,130 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 2,346 7,312 SH   SOLE   7,312 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 6,328 24,851 SH   SOLE   24,851 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,556 17,003 SH   SOLE   17,003 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,279 8,943 SH   SOLE   8,943 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,223 10,541 SH   SOLE   10,541 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 320 733 SH   SOLE   733 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,016 11,271 SH   SOLE   11,271 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,751 7,747 SH   SOLE   7,747 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 523 1,856 SH   SOLE   1,856 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 4,111 27,948 SH   SOLE   27,948 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,215 24,565 SH   SOLE   24,565 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,559 11,641 SH   SOLE   11,641 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,002 12,328 SH   SOLE   12,328 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 31,627 184,148 SH   SOLE   184,148 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,572 89,536 SH   SOLE   89,536 0 0
VISA INC COM CL A 92826C839 207 957 SH   SOLE   957 0 0
WELLS FARGO CO NEW COM 949746101 486 10,135 SH   SOLE   10,135 0 0