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
3M CO COM 88579Y101 260 2,357 SH   SOLE   2,357 0 0
ALLSTATE CORP COM 020002101 250 2,010 SH   SOLE   2,010 0 0
ALPHABET INC CAP STK CL A 02079K305 640 6,690 SH   SOLE   6,690 0 0
ALPHABET INC CAP STK CL C 02079K107 248 2,580 SH   SOLE   2,580 0 0
ALTRIA GROUP INC COM 02209S103 1,336 33,075 SH   SOLE   33,075 0 0
AMAZON COM INC COM 023135106 2,237 19,800 SH   SOLE   19,800 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 5,726 86,569 SH   SOLE   86,569 0 0
AMERICAN EXPRESS CO COM 025816109 1,783 13,215 SH   SOLE   13,215 0 0
AMERIPRISE FINL INC COM 03076C106 313 1,242 SH   SOLE   1,242 0 0
AMGEN INC COM 031162100 571 2,534 SH   SOLE   2,534 0 0
APPLE INC COM 037833100 5,249 37,982 SH   SOLE   37,982 0 0
AT&T INC COM 00206R102 538 35,091 SH   SOLE   35,091 0 0
BANK NEW YORK MELLON CORP COM 064058100 257 6,672 SH   SOLE   6,672 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 221 6,728 SH   SOLE   6,728 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 300 1,122 SH   SOLE   1,122 0 0
BLACKROCK INC COM 09247X101 429 780 SH   SOLE   780 0 0
BLACKSTONE INC COM 09260D107 1,095 13,084 SH   SOLE   13,084 0 0
BOEING CO COM 097023105 241 1,993 SH   SOLE   1,993 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 236 3,324 SH   SOLE   3,324 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 254 7,131 SH   SOLE   7,131 0 0
CATERPILLAR INC COM 149123101 340 2,070 SH   SOLE   2,070 0 0
CHEVRON CORP NEW COM 166764100 1,553 10,809 SH   SOLE   10,809 0 0
CISCO SYS INC COM 17275R102 778 19,445 SH   SOLE   19,445 0 0
CLOROX CO DEL COM 189054109 512 3,991 SH   SOLE   3,991 0 0
COMCAST CORP NEW CL A 20030N101 218 7,446 SH   SOLE   7,446 0 0
COSTCO WHSL CORP NEW COM 22160K105 592 1,254 SH   SOLE   1,254 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 6,843 317,261 SH   SOLE   317,261 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 5,751 123,615 SH   SOLE   123,615 0 0
DISNEY WALT CO COM 254687106 221 2,347 SH   SOLE   2,347 0 0
EXXON MOBIL CORP COM 30231G102 3,832 43,894 SH   SOLE   43,894 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 5,940 158,009 SH   SOLE   158,009 0 0
GENERAL MLS INC COM 370334104 1,205 15,730 SH   SOLE   15,730 0 0
GSK PLC SPONSORED ADR 37733W204 460 15,630 SH   SOLE   15,630 0 0
HOME DEPOT INC COM 437076102 805 2,917 SH   SOLE   2,917 0 0
HP INC COM 40434L105 226 9,084 SH   SOLE   9,084 0 0
INTEL CORP COM 458140100 542 21,039 SH   SOLE   21,039 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 945 7,955 SH   SOLE   7,955 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 6,735 416,266 SH   SOLE   416,266 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 927 78,033 SH   SOLE   78,033 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 14,286 53,454 SH   SOLE   53,454 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 17,473 215,164 SH   SOLE   215,164 0 0
ISHARES TR CALIF MUN BD ETF 464288356 1,105 20,374 SH   SOLE   20,374 0 0
ISHARES TR CORE S&P SCP ETF 464287804 807 9,258 SH   SOLE   9,258 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,022 5,638 SH   SOLE   5,638 0 0
ISHARES TR CORE US AGGBD ET 464287226 10,733 111,408 SH   SOLE   111,408 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 490 9,934 SH   SOLE   9,934 0 0
ISHARES TR MSCI EAFE ETF 464287465 390 6,967 SH   SOLE   6,967 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 331 5,800 SH   SOLE   5,800 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 540 15,477 SH   SOLE   15,477 0 0
ISHARES TR PFD AND INCM SEC 464288687 10,902 344,253 SH   SOLE   344,253 0 0
ISHARES TR RUS 1000 ETF 464287622 227 1,150 SH   SOLE   1,150 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,558 7,407 SH   SOLE   7,407 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 5,034 37,016 SH   SOLE   37,016 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 9,836 59,639 SH   SOLE   59,639 0 0
ISHARES TR SHORT TREAS BD 464288679 5,753 52,302 SH   SOLE   52,302 0 0
JOBY AVIATION INC COMMON STOCK G65163100 48 10,980 SH   SOLE   10,980 0 0
JOHNSON & JOHNSON COM 478160104 1,500 9,180 SH   SOLE   9,180 0 0
JPMORGAN CHASE & CO COM 46625H100 996 9,529 SH   SOLE   9,529 0 0
KIMBERLY-CLARK CORP COM 494368103 608 5,399 SH   SOLE   5,399 0 0
KRAFT HEINZ CO COM 500754106 261 7,835 SH   SOLE   7,835 0 0
LILLY ELI & CO COM 532457108 220 679 SH   SOLE   679 0 0
MERCK & CO INC COM 58933Y105 298 3,455 SH   SOLE   3,455 0 0
MICROSOFT CORP COM 594918104 2,052 8,810 SH   SOLE   8,810 0 0
MONDELEZ INTL INC CL A 609207105 1,362 24,843 SH   SOLE   24,843 0 0
MYRIAD GENETICS INC COM 62855J104 198 10,357 SH   SOLE   10,357 0 0
NORFOLK SOUTHN CORP COM 655844108 1,186 5,659 SH   SOLE   5,659 0 0
OTIS WORLDWIDE CORP COM 68902V107 261 4,086 SH   SOLE   4,086 0 0
PEPSICO INC COM 713448108 317 1,940 SH   SOLE   1,940 0 0
PFIZER INC COM 717081103 1,343 30,697 SH   SOLE   30,697 0 0
PHILIP MORRIS INTL INC COM 718172109 1,681 20,248 SH   SOLE   20,248 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 293 2,963 SH   SOLE   2,963 0 0
PROCTER AND GAMBLE CO COM 742718109 6,731 53,313 SH   SOLE   53,313 0 0
QUALCOMM INC COM 747525103 536 4,748 SH   SOLE   4,748 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 746 9,109 SH   SOLE   9,109 0 0
ROCKWELL AUTOMATION INC COM 773903109 261 1,213 SH   SOLE   1,213 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 13,593 483,205 SH   SOLE   483,205 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 21,904 453,865 SH   SOLE   453,865 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 9,614 164,316 SH   SOLE   164,316 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,325 18,400 SH   SOLE   18,400 0 0
SOUTHERN CO COM 842587107 739 10,866 SH   SOLE   10,866 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 306 1,065 SH   SOLE   1,065 0 0
SPDR GOLD TR GOLD SHS 78463V107 262 1,694 SH   SOLE   1,694 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 29,608 82,894 SH   SOLE   82,894 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 391 4,272 SH   SOLE   4,272 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 575 12,475 SH   SOLE   12,475 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 10,287 412,288 SH   SOLE   412,288 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 853 24,062 SH   SOLE   24,062 0 0
SPDR SER TR S&P DIVID ETF 78464A763 447 4,010 SH   SOLE   4,010 0 0
STARBUCKS CORP COM 855244109 218 2,588 SH   SOLE   2,588 0 0
SUMMIT ST BK SANTA ROSA CALI COM 866264203 1,240 85,482 SH   SOLE   85,482 0 0
T ROWE PRICE ETF INC ULTRA SHRT TRM 87283Q701 3,447 71,036 SH   SOLE   71,036 0 0
UMPQUA HLDGS CORP COM 904214103 642 37,565 SH   SOLE   37,565 0 0
UNILEVER PLC SPON ADR NEW 904767704 437 9,963 SH   SOLE   9,963 0 0
UNITED PARCEL SERVICE INC CL B 911312106 481 2,980 SH   SOLE   2,980 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 10,056 47,002 SH   SOLE   47,002 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 331 1,763 SH   SOLE   1,763 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 971 5,683 SH   SOLE   5,683 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 3,675 29,764 SH   SOLE   29,764 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,419 99,610 SH   SOLE   99,610 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 823 22,560 SH   SOLE   22,560 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 28,161 487,305 SH   SOLE   487,305 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 300 4,043 SH   SOLE   4,043 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 544 11,882 SH   SOLE   11,882 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 245 3,292 SH   SOLE   3,292 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 747 19,667 SH   SOLE   19,667 0 0
VISA INC COM CL A 92826C839 576 3,242 SH   SOLE   3,242 0 0
WASTE MGMT INC DEL COM 94106L109 357 2,229 SH   SOLE   2,229 0 0
WELLS FARGO CO NEW COM 949746101 951 23,642 SH   SOLE   23,642 0 0
WISDOMTREE TR US AI ENHANCED 97717W406 1,345 16,472 SH   SOLE   16,472 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 13,511 244,499 SH   SOLE   244,499 0 0