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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 611,874 1,731 SH   SOLE   0 0 1,731
AFFIRM HLDGS INC COM CL A 00827B106 BBG00Y7BP8Z0 4,006,728 98,156 SH   SOLE   0 0 98,156
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 337,059 2,032 SH   SOLE   0 0 2,032
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 221,807 1,327 SH   SOLE   0 0 1,327
AMAZON COM INC COM 023135106 BBG001S5PQL7 213,721 1,147 SH   SOLE   0 0 1,147
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 325,440 1,200 SH   SOLE   0 0 1,200
AMPHENOL CORP NEW CL A 032095101 BBG001S5NSK6 558,877 8,577 SH   SOLE   0 0 8,577
APPLE INC COM 037833100 BBG001S5N8V8 1,530,196 6,567 SH   SOLE   0 0 6,567
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 545,408 1,185 SH   SOLE   0 0 1,185
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 259,100 2,210 SH   SOLE   0 0 2,210
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 BBG001T06LL9 568,184 22,655 SH   SOLE   0 0 22,655
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 BBG001T06LF6 2,288,997 106,465 SH   SOLE   0 0 106,465
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 BBG001T0NSF2 2,276,716 122,800 SH   SOLE   0 0 122,800
INVESCO EXCHANGE TRADED FD T S&P500 BUY WRT 46137V399 BBG001T0Z827 1,383,226 60,562 SH   SOLE   0 0 60,562
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 4,088,932 8,378 SH   SOLE   0 0 8,378
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 7,500,765 130,653 SH   SOLE   0 0 130,653
ISHARES INC EM MKT SM-CP ETF 464286475 BBG001T2TH39 4,175,463 65,456 SH   SOLE   0 0 65,456
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 1,403,612 38,550 SH   SOLE   0 0 38,550
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 348,880 8,035 SH   SOLE   0 0 8,035
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 319,353 2,921 SH   SOLE   0 0 2,921
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 1,884,208 19,207 SH   SOLE   0 0 19,207
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 479,975 4,013 SH   SOLE   0 0 4,013
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 4,448,736 76,557 SH   SOLE   0 0 76,557
ISHARES TR CORE 1 5 YR USD 46432F859 BBG003HC6JD6 11,700,743 240,360 SH   SOLE   0 0 240,360
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 8,966,725 114,884 SH   SOLE   0 0 114,884
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 10,824,067 173,685 SH   SOLE   0 0 173,685
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 13,360,307 114,230 SH   SOLE   0 0 114,230
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 3,206,360 24,307 SH   SOLE   0 0 24,307
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 12,275,969 21,282 SH   SOLE   0 0 21,282
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 13,665,045 134,937 SH   SOLE   0 0 134,937
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 3,845,205 35,720 SH   SOLE   0 0 35,720
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 8,566,147 126,531 SH   SOLE   0 0 126,531
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 1,043,909 12,402 SH   SOLE   0 0 12,402
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 2,261,573 54,079 SH   SOLE   0 0 54,079
ISHARES TR ESG AWR US AGRGT 46435U549 BBG00MC0P0K7 2,881,243 59,297 SH   SOLE   0 0 59,297
ISHARES TR ESG AWRE 1 5 YR 46435G243 BBG00H4BFM35 1,755,228 69,763 SH   SOLE   0 0 69,763
ISHARES TR ESG MSCI LEADR 46435U218 BBG00P35VT10 2,131,032 20,991 SH   SOLE   0 0 20,991
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 628,373 7,825 SH   SOLE   0 0 7,825
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 939,205 8,313 SH   SOLE   0 0 8,313
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 453,558 8,443 SH   SOLE   0 0 8,443
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 7,781,520 83,154 SH   SOLE   0 0 83,154
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 204,133 6,143 SH   SOLE   0 0 6,143
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 8,634,800 27,465 SH   SOLE   0 0 27,465
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 430,273 1,948 SH   SOLE   0 0 1,948
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 9,749,476 78,866 SH   SOLE   0 0 78,866
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 6,786,780 50,246 SH   SOLE   0 0 50,246
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 2,959,795 27,873 SH   SOLE   0 0 27,873
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 851,976 8,363 SH   SOLE   0 0 8,363
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 237,613 1,567 SH   SOLE   0 0 1,567
ISHARES TR USD GRN BOND ETF 46435U440 BBG00MK1NQ85 776,896 16,071 SH   SOLE   0 0 16,071
MICROSOFT CORP COM 594918104 BBG001S5TD05 409,997 953 SH   SOLE   0 0 953
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 BBG001T618D9 1,069,026 10,617 SH   SOLE   0 0 10,617
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 BBG00HXSKY16 304,274 5,503 SH   SOLE   0 0 5,503
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 3,240,834 111,064 SH   SOLE   0 0 111,064
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 2,561,531 62,294 SH   SOLE   0 0 62,294
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 599,418 15,557 SH   SOLE   0 0 15,557
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 2,695,814 56,730 SH   SOLE   0 0 56,730
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 399,695 4,728 SH   SOLE   0 0 4,728
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 368,462 3,537 SH   SOLE   0 0 3,537
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 5,591,013 82,403 SH   SOLE   0 0 82,403
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 12,166,270 146,423 SH   SOLE   0 0 146,423
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 5,454,205 235,399 SH   SOLE   0 0 235,399
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 1,290,071 25,050 SH   SOLE   0 0 25,050
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 BBG001T2PHC3 680,367 10,907 SH   SOLE   0 0 10,907
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 BBG001SRXRK9 226,641 6,641 SH   SOLE   0 0 6,641
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 4,795,651 8,358 SH   SOLE   0 0 8,358
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 829,389 1,456 SH   SOLE   0 0 1,456
SPDR SER TR BLOOMBERG INTL 78464A151 BBG001T8QLK1 613,307 20,043 SH   SOLE   0 0 20,043
SPDR SER TR DJ REIT ETF 78464A607 BBG001SHTRF2 1,785,736 16,731 SH   SOLE   0 0 16,731
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 874,554 18,675 SH   SOLE   0 0 18,675
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 929,830 19,315 SH   SOLE   0 0 19,315
SPDR SER TR NUVEEN BLOOMBERG 78464A284 BBG001V11QG4 207,848 7,912 SH   SOLE   0 0 7,912
SPDR SER TR PORTFLI HIGH YLD 78468R606 BBG0034VNBZ2 7,098,108 295,140 SH   SOLE   0 0 295,140
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 1,675,016 21,080 SH   SOLE   0 0 21,080
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 5,811,537 115,583 SH   SOLE   0 0 115,583
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 1,136,429 4,307 SH   SOLE   0 0 4,307
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 22,785,498 233,889 SH   SOLE   0 0 233,889
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 210,152 1,047 SH   SOLE   0 0 1,047
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 207,156 4,329 SH   SOLE   0 0 4,329
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 297,183 1,500 SH   SOLE   0 0 1,500
VISA INC COM CL A 92826C839 BBG001SRCFY3 862,565 3,137 SH   SOLE   0 0 3,137