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
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 392,306 3,243 SH   SOLE   3,243 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,053,309 8,080 SH   SOLE   8,080 0 0
APPLE INC COM 037833100 BBG001S5N8V8 6,589,380 33,971 SH   SOLE   33,971 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 638,693 1,873 SH   SOLE   1,873 0 0
BOEING CO COM 097023105 BBG001S5P0V3 1,014,467 4,804 SH   SOLE   4,804 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 BBG015DMY5P8 3,909,278 154,946 SH   SOLE   154,946 0 0
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109 BBG015DN0WJ1 26,189,403 1,113,495 SH   SOLE   1,113,495 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 227,842 926 SH   SOLE   926 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 649,696 4,129 SH   SOLE   4,129 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,683,681 27,959 SH   SOLE   27,959 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 442,438 822 SH   SOLE   822 0 0
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 392,170 1,634 SH   SOLE   1,634 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 575,665 6,448 SH   SOLE   6,448 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,474,180 13,745 SH   SOLE   13,745 0 0
FIRST TR EXCHANGE-TRADED FD NASDQ FOD BVRG 33738R852 BBG00DVWC7S7 272,583 10,396 SH   SOLE   10,396 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 3,517,040 11,322 SH   SOLE   11,322 0 0
INTEL CORP COM 458140100 BBG001S5SF65 1,108,914 33,161 SH   SOLE   33,161 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 282,540 765 SH   SOLE   765 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 339,080 5,954 SH   SOLE   5,954 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 201,293 2,020 SH   SOLE   2,020 0 0
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 499,599 9,718 SH   SOLE   9,718 0 0
ISHARES TR GL TIMB FORE ETF 464288174 BBG001T2V266 949,091 13,238 SH   SOLE   13,238 0 0
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 272,109 8,798 SH   SOLE   8,798 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 219,090 3,000 SH   SOLE   3,000 0 0
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 222,600 2,968 SH   SOLE   2,968 0 0
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 219,188 2,046 SH   SOLE   2,046 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,540,356 9,306 SH   SOLE   9,306 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,604,944 17,911 SH   SOLE   17,911 0 0
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104 BBG001S5X3D8 103,477 15,993 SH   SOLE   15,993 0 0
LINDE PLC SHS G54950103 BBG01FND0CH6 231,697 608 SH   SOLE   608 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 277,714 931 SH   SOLE   931 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 232,742 2,017 SH   SOLE   2,017 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 225,853 787 SH   SOLE   787 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,232,336 3,619 SH   SOLE   3,619 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 878,692 2,077 SH   SOLE   2,077 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 412,888 3,467 SH   SOLE   3,467 0 0
PFIZER INC COM 717081103 BBG001S5V466 899,566 24,525 SH   SOLE   24,525 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 BBG001S985K5 158,569 11,246 SH   SOLE   11,246 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 258,219 1,702 SH   SOLE   1,702 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 604,234 6,168 SH   SOLE   6,168 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 3,463,256 106,431 SH   SOLE   106,431 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 300,193 8,732 SH   SOLE   8,732 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 476,810 15,628 SH   SOLE   15,628 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 482,765 1,089 SH   SOLE   1,089 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 249,567 2,718 SH   SOLE   2,718 0 0
SPDR SER TR BLOOMBERG INTL T 78464A516 BBG001T05M47 461,391 20,461 SH   SOLE   20,461 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 BBG001T5L3N9 268,162 8,012 SH   SOLE   8,012 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 393,225 12,246 SH   SOLE   12,246 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 261,346 5,695 SH   SOLE   5,695 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 245,559 8,341 SH   SOLE   8,341 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 262,956 4,310 SH   SOLE   4,310 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 1,702,654 39,413 SH   SOLE   39,413 0 0
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 766,553 11,145 SH   SOLE   11,145 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,476,741 19,131 SH   SOLE   19,131 0 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 BBG002XY88Z0 935,258 35,120 SH   SOLE   35,120 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 682,696 2,608 SH   SOLE   2,608 0 0
UNION PAC CORP COM 907818108 BBG001S5X2M0 429,980 2,101 SH   SOLE   2,101 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 4,910,224 10,216 SH   SOLE   10,216 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 2,920,569 38,822 SH   SOLE   38,822 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 1,950,055 25,805 SH   SOLE   25,805 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 661,712 9,103 SH   SOLE   9,103 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 6,960,540 141,590 SH   SOLE   141,590 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 34,817,844 712,313 SH   SOLE   712,313 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 4,620,985 16,331 SH   SOLE   16,331 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 4,998,324 24,291 SH   SOLE   24,291 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 3,799,333 27,456 SH   SOLE   27,456 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 2,269,606 10,309 SH   SOLE   10,309 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 1,052,238 12,593 SH   SOLE   12,593 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 663,583 1,629 SH   SOLE   1,629 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2,659,502 16,079 SH   SOLE   16,079 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,663,612 8,364 SH   SOLE   8,364 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 1,955,919 8,514 SH   SOLE   8,514 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 8,531,094 60,036 SH   SOLE   60,036 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 844,117 15,514 SH   SOLE   15,514 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,364,040 33,531 SH   SOLE   33,531 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 2,086,717 18,888 SH   SOLE   18,888 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,246,260 24,816 SH   SOLE   24,816 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 265,962 4,607 SH   SOLE   4,607 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 212,453 2,808 SH   SOLE   2,808 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 27,386,041 168,602 SH   SOLE   168,602 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 3,773,910 67,295 SH   SOLE   67,295 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 5,146,883 111,453 SH   SOLE   111,453 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 228,632 963 SH   SOLE   963 0 0
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 587,317 13,761 SH   SOLE   13,761 0 0