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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 445,521 3,379 SH   SOLE   3,379 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 962,934 7,575 SH   SOLE   7,575 0 0
APPLE INC COM 037833100 BBG001S5N8V8 5,715,100 33,381 SH   SOLE   33,381 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 619,330 1,768 SH   SOLE   1,768 0 0
BOEING CO COM 097023105 BBG001S5P0V3 1,066,950 5,566 SH   SOLE   5,566 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 BBG015DMY5P8 4,053,346 165,443 SH   SOLE   165,443 0 0
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109 BBG015DN0WJ1 25,081,417 1,153,699 SH   SOLE   1,153,699 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 248,703 911 SH   SOLE   911 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 700,009 4,151 SH   SOLE   4,151 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,604,380 28,660 SH   SOLE   28,660 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 467,178 827 SH   SOLE   827 0 0
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 369,434 1,489 SH   SOLE   1,489 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 637,447 7,865 SH   SOLE   7,865 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,628,158 13,847 SH   SOLE   13,847 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 3,970,329 13,140 SH   SOLE   13,140 0 0
INTEL CORP COM 458140100 BBG001S5SF65 1,175,885 33,077 SH   SOLE   33,077 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 274,030 765 SH   SOLE   765 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 282,371 5,149 SH   SOLE   5,149 0 0
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 460,049 9,751 SH   SOLE   9,751 0 0
ISHARES TR GL TIMB FORE ETF 464288174 BBG001T2V266 979,870 13,238 SH   SOLE   13,238 0 0
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 292,273 9,694 SH   SOLE   9,694 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 258,087 1,904 SH   SOLE   1,904 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 207,750 3,000 SH   SOLE   3,000 0 0
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 214,408 2,968 SH   SOLE   2,968 0 0
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 206,503 2,046 SH   SOLE   2,046 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,427,055 9,162 SH   SOLE   9,162 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,610,858 18,003 SH   SOLE   18,003 0 0
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104 BBG001S5X3D8 94,680 15,993 SH   SOLE   15,993 0 0
LINDE PLC SHS G54950103 BBG01FND0CH6 226,389 608 SH   SOLE   608 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 269,695 1,024 SH   SOLE   1,024 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 216,451 721 SH   SOLE   721 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,260,649 3,993 SH   SOLE   3,993 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 906,615 2,084 SH   SOLE   2,084 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 370,512 3,498 SH   SOLE   3,498 0 0
PFIZER INC COM 717081103 BBG001S5V466 839,942 25,322 SH   SOLE   25,322 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 BBG001S985K5 172,289 11,246 SH   SOLE   11,246 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 302,932 2,077 SH   SOLE   2,077 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 474,226 6,589 SH   SOLE   6,589 0 0
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 238,613 653 SH   SOLE   653 0 0
SOUTHERN CALIF BANCORP COM 84252A106 BBG001SMZ5M4 1,014,898 72,441 SH   SOLE   72,441 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 3,313,752 106,861 SH   SOLE   106,861 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 288,353 8,590 SH   SOLE   8,590 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 419,179 14,385 SH   SOLE   14,385 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 313,436 733 SH   SOLE   733 0 0
SPDR SER TR BLOOMBERG INTL T 78464A516 BBG001T05M47 337,871 15,907 SH   SOLE   15,907 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 BBG001T5L3N9 260,070 8,012 SH   SOLE   8,012 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 302,142 9,607 SH   SOLE   9,607 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 249,199 5,691 SH   SOLE   5,691 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 244,558 8,341 SH   SOLE   8,341 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 253,135 4,270 SH   SOLE   4,270 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 1,610,773 39,040 SH   SOLE   39,040 0 0
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 722,865 11,145 SH   SOLE   11,145 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,227,957 16,968 SH   SOLE   16,968 0 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 BBG002XY88Z0 759,760 28,181 SH   SOLE   28,181 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 690,107 2,758 SH   SOLE   2,758 0 0
UNION PAC CORP COM 907818108 BBG001S5X2M0 417,501 2,050 SH   SOLE   2,050 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 5,000,556 9,918 SH   SOLE   9,918 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 2,508,755 34,695 SH   SOLE   34,695 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 1,970,355 26,212 SH   SOLE   26,212 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 628,000 9,000 SH   SOLE   9,000 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 5,776,994 117,442 SH   SOLE   117,442 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 34,716,619 725,834 SH   SOLE   725,834 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 4,490,241 16,489 SH   SOLE   16,489 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 4,602,041 23,628 SH   SOLE   23,628 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 3,665,762 27,991 SH   SOLE   27,991 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 2,219,326 10,658 SH   SOLE   10,658 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 956,530 12,642 SH   SOLE   12,642 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 652,051 1,660 SH   SOLE   1,660 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2,688,431 16,856 SH   SOLE   16,856 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,622,739 8,583 SH   SOLE   8,583 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 1,855,411 8,663 SH   SOLE   8,663 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 8,471,076 61,416 SH   SOLE   61,416 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 804,711 15,514 SH   SOLE   15,514 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,474,737 37,611 SH   SOLE   37,611 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 2,165,862 20,394 SH   SOLE   20,394 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,193,650 24,816 SH   SOLE   24,816 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 26,506,932 170,594 SH   SOLE   170,594 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 3,601,688 67,296 SH   SOLE   67,296 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 4,482,557 102,529 SH   SOLE   102,529 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 237,683 1,033 SH   SOLE   1,033 0 0
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 573,726 14,041 SH   SOLE   14,041 0 0