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
AMAZON COM INC COM 023135106 BBG001S5PQL7 442,764 5,271 SH   SOLE   5,271 0 0
APPLE INC COM 037833100 BBG001S5N8V8 4,343,524 33,430 SH   SOLE   33,430 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 514,627 1,666 SH   SOLE   1,666 0 0
BOEING CO COM 097023105 BBG001S5P0V3 987,168 5,182 SH   SOLE   5,182 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 BBG015DMY5P8 2,763,460 138,589 SH   SOLE   138,589 0 0
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109 BBG015DN0WJ1 22,408,614 1,075,775 SH   SOLE   1,075,775 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 228,201 953 SH   SOLE   953 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 885,532 4,935 SH   SOLE   4,935 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,860,231 29,244 SH   SOLE   29,244 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 306,595 672 SH   SOLE   672 0 0
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 568,533 2,142 SH   SOLE   2,142 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 556,701 6,408 SH   SOLE   6,408 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,686,429 15,292 SH   SOLE   15,292 0 0
FIRST TR EXCHANGE-TRADED FD NASDQ FOD BVRG 33738R852 BBG00DVWC7S7 281,212 10,396 SH   SOLE   10,396 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 3,699,857 11,714 SH   SOLE   11,714 0 0
INTEL CORP COM 458140100 BBG001S5SF65 796,644 30,144 SH   SOLE   30,144 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 1,934,734 34,481 SH   SOLE   34,481 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 3,894,657 81,907 SH   SOLE   81,907 0 0
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 499,473 10,101 SH   SOLE   10,101 0 0
ISHARES TR GL TIMB FORE ETF 464288174 BBG001T2V266 945,863 13,002 SH   SOLE   13,002 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 2,400,747 22,752 SH   SOLE   22,752 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 202,350 3,000 SH   SOLE   3,000 0 0
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 202,714 2,968 SH   SOLE   2,968 0 0
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 206,237 2,046 SH   SOLE   2,046 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,668,213 9,443 SH   SOLE   9,443 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,531,243 18,877 SH   SOLE   18,877 0 0
LINDE PLC SHS G5494J103 BBG00GVR8YR8 290,953 892 SH   SOLE   892 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 255,026 967 SH   SOLE   967 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 256,126 2,309 SH   SOLE   2,309 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 663,218 2,765 SH   SOLE   2,765 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 303,995 2,080 SH   SOLE   2,080 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 282,984 3,462 SH   SOLE   3,462 0 0
PFIZER INC COM 717081103 BBG001S5V466 1,259,177 24,574 SH   SOLE   24,574 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 BBG001S985K5 142,308 12,101 SH   SOLE   12,101 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 295,444 1,948 SH   SOLE   1,948 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 596,621 5,912 SH   SOLE   5,912 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 3,392,850 114,276 SH   SOLE   114,276 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 294,686 8,941 SH   SOLE   8,941 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 499,088 16,970 SH   SOLE   16,970 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 223,498 584 SH   SOLE   584 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 228,675 2,500 SH   SOLE   2,500 0 0
SPDR SER TR BLOOMBERG INTL T 78464A516 BBG001T05M47 598,245 26,672 SH   SOLE   26,672 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 471,444 10,035 SH   SOLE   10,035 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 500,260 15,717 SH   SOLE   15,717 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 274,131 6,450 SH   SOLE   6,450 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 245,059 8,341 SH   SOLE   8,341 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 228,158 4,503 SH   SOLE   4,503 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 1,628,310 41,870 SH   SOLE   41,870 0 0
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 213,204 3,263 SH   SOLE   3,263 0 0
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 747,969 11,557 SH   SOLE   11,557 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,644,643 22,159 SH   SOLE   22,159 0 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 BBG002XY88Z0 1,001,042 36,349 SH   SOLE   36,349 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 222,956 1,810 SH   SOLE   1,810 0 0
UNION PAC CORP COM 907818108 BBG001S5X2M0 424,323 2,049 SH   SOLE   2,049 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 5,383,978 10,155 SH   SOLE   10,155 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 6,621,505 89,094 SH   SOLE   89,094 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 2,009,167 26,689 SH   SOLE   26,689 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 7,982,318 162,904 SH   SOLE   162,904 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 27,234,261 574,199 SH   SOLE   574,199 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 3,544,425 16,632 SH   SOLE   16,632 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 4,386,879 24,404 SH   SOLE   24,404 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 3,679,024 27,204 SH   SOLE   27,204 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 2,131,502 10,458 SH   SOLE   10,458 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 961,852 11,662 SH   SOLE   11,662 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 288,119 820 SH   SOLE   820 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2,623,059 16,518 SH   SOLE   16,518 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,420,383 7,739 SH   SOLE   7,739 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 2,898,950 14,456 SH   SOLE   14,456 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 7,963,932 56,735 SH   SOLE   56,735 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 777,872 15,514 SH   SOLE   15,514 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,355,663 34,778 SH   SOLE   34,778 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 1,819,173 17,694 SH   SOLE   17,694 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 3,575,108 72,239 SH   SOLE   72,239 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 3,542,400 61,266 SH   SOLE   61,266 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 6,590,846 87,656 SH   SOLE   87,656 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 25,641,643 168,859 SH   SOLE   168,859 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 3,417,980 66,086 SH   SOLE   66,086 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 5,062,757 120,626 SH   SOLE   120,626 0 0
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 561,687 13,603 SH   SOLE   13,603 0 0