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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 491,987 3,491 SH   SOLE   3,491 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,013,592 6,671 SH   SOLE   6,671 0 0
APPLE INC COM 037833100 BBG001S5N8V8 6,045,384 31,400 SH   SOLE   31,400 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 615,952 1,727 SH   SOLE   1,727 0 0
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603 BBG01GQYLJY8 823,409 15,753 SH   SOLE   15,753 0 0
BOEING CO COM 097023105 BBG001S5P0V3 1,389,040 5,329 SH   SOLE   5,329 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 BBG015DMY5P8 5,340,071 189,163 SH   SOLE   189,163 0 0
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109 BBG015DN0WJ1 27,733,475 1,161,855 SH   SOLE   1,161,855 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 263,146 890 SH   SOLE   890 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 632,972 4,244 SH   SOLE   4,244 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,601,951 27,184 SH   SOLE   27,184 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 640,968 971 SH   SOLE   971 0 0
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 305,617 1,321 SH   SOLE   1,321 0 0
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 490,079 10,425 SH   SOLE   10,425 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 421,859 4,672 SH   SOLE   4,672 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,337,242 13,375 SH   SOLE   13,375 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 4,453,124 12,850 SH   SOLE   12,850 0 0
INTEL CORP COM 458140100 BBG001S5SF65 1,533,101 30,509 SH   SOLE   30,509 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 313,254 765 SH   SOLE   765 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 1,527,414 26,362 SH   SOLE   26,362 0 0
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 1,116,575 22,421 SH   SOLE   22,421 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 216,500 2,000 SH   SOLE   2,000 0 0
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 352,322 11,296 SH   SOLE   11,296 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 296,649 1,910 SH   SOLE   1,910 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 233,190 3,000 SH   SOLE   3,000 0 0
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 235,125 2,968 SH   SOLE   2,968 0 0
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 233,326 2,046 SH   SOLE   2,046 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,478,411 9,432 SH   SOLE   9,432 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,876,214 16,909 SH   SOLE   16,909 0 0
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104 BBG001S5X3D8 102,037 15,993 SH   SOLE   15,993 0 0
LINDE PLC SHS G54950103 BBG01FND0CH6 249,712 608 SH   SOLE   608 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 303,233 1,023 SH   SOLE   1,023 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 325,597 2,987 SH   SOLE   2,987 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 255,205 721 SH   SOLE   721 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,523,034 4,050 SH   SOLE   4,050 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,032,155 2,084 SH   SOLE   2,084 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 421,087 3,994 SH   SOLE   3,994 0 0
PFIZER INC COM 717081103 BBG001S5V466 483,732 16,802 SH   SOLE   16,802 0 0
PIMCO ETF TR MULTISECTOR BD 72201R585 BBG01GZGT490 1,361,787 53,060 SH   SOLE   53,060 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 BBG001S985K5 174,255 11,502 SH   SOLE   11,502 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 389,259 2,656 SH   SOLE   2,656 0 0
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 BBG001S5VCG7 42,470 11,896 SH   SOLE   11,896 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 474,585 5,640 SH   SOLE   5,640 0 0
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 309,245 702 SH   SOLE   702 0 0
SOUTHERN CALIF BANCORP COM 84252A106 BBG001SMZ5M4 1,256,851 72,441 SH   SOLE   72,441 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 3,650,615 107,339 SH   SOLE   107,339 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 277,524 7,837 SH   SOLE   7,837 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 443,592 13,967 SH   SOLE   13,967 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 353,171 743 SH   SOLE   743 0 0
SPDR SER TR BLOOMBERG INTL T 78464A516 BBG001T05M47 379,164 16,357 SH   SOLE   16,357 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 BBG001T5L3N9 316,346 9,438 SH   SOLE   9,438 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 313,812 9,559 SH   SOLE   9,559 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 272,075 5,584 SH   SOLE   5,584 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 248,395 8,341 SH   SOLE   8,341 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 270,485 4,157 SH   SOLE   4,157 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 1,773,835 38,041 SH   SOLE   38,041 0 0
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 805,199 10,973 SH   SOLE   10,973 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 1,417,953 17,020 SH   SOLE   17,020 0 0
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 BBG002XY88Z0 1,042,499 38,299 SH   SOLE   38,299 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 569,765 2,293 SH   SOLE   2,293 0 0
UNION PAC CORP COM 907818108 BBG001S5X2M0 482,858 1,966 SH   SOLE   1,966 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 5,113,603 9,713 SH   SOLE   9,713 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 2,730,054 35,743 SH   SOLE   35,743 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 2,068,614 26,858 SH   SOLE   26,858 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 326,301 4,436 SH   SOLE   4,436 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 7,243,944 146,520 SH   SOLE   146,520 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 35,254,786 714,166 SH   SOLE   714,166 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 2,376,915 7,646 SH   SOLE   7,646 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 4,283,779 19,510 SH   SOLE   19,510 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 3,308,113 22,813 SH   SOLE   22,813 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 2,537,366 10,907 SH   SOLE   10,907 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 941,830 10,659 SH   SOLE   10,659 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 759,904 1,740 SH   SOLE   1,740 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2,331,831 12,957 SH   SOLE   12,957 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,849,691 8,671 SH   SOLE   8,671 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 3,309,967 13,691 SH   SOLE   13,691 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 6,074,006 40,629 SH   SOLE   40,629 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 870,956 15,514 SH   SOLE   15,514 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,440,302 35,044 SH   SOLE   35,044 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 2,520,596 21,913 SH   SOLE   21,913 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,330,822 26,069 SH   SOLE   26,069 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 221,721 2,866 SH   SOLE   2,866 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 30,299,797 177,816 SH   SOLE   177,816 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 4,935,672 103,041 SH   SOLE   103,041 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 272,861 1,048 SH   SOLE   1,048 0 0
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 648,970 13,185 SH   SOLE   13,185 0 0