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
ABBOTT LABS COM 002824100 BBG001S5N9M6 228,307 2,018 SH   SOLE   0 0 2,018
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 453,175 2,550 SH   SOLE   0 0 2,550
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 286,005 813 SH   SOLE   0 0 813
ADOBE INC COM 00724F101 BBG001S5NCQ5 268,142 603 SH   SOLE   0 0 603
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 600,206 4,969 SH   SOLE   0 0 4,969
AGILON HEALTH INC COM 00857U107 BBG00HCYVQR3 103,951 54,711 SH   SOLE   0 0 54,711
AIR PRODS & CHEMS INC COM 009158106 BBG001S5NSB6 267,417 922 SH   SOLE   0 0 922
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 BBG006G2JWB1 1,194,692 14,090 SH   SOLE   0 0 14,090
ALLSTATE CORP COM 020002101 BBG001S9BM06 221,560 1,149 SH   SOLE   0 0 1,149
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 3,105,673 16,406 SH   SOLE   0 0 16,406
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,912,756 10,044 SH   SOLE   0 0 10,044
AMAZON COM INC COM 023135106 BBG001S5PQL7 5,298,910 24,153 SH   SOLE   0 0 24,153
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 217,789 734 SH   SOLE   0 0 734
AMGEN INC COM 031162100 BBG001S5NNL6 200,476 769 SH   SOLE   0 0 769
APPLE INC COM 037833100 BBG001S5N8V8 18,787,195 75,023 SH   SOLE   0 0 75,023
APPLIED MATLS INC COM 038222105 BBG001S5NMM7 235,819 1,450 SH   SOLE   0 0 1,450
ARDELYX INC COM 039697107 BBG001WH4F33 291,723 57,539 SH   SOLE   0 0 57,539
ARISTA NETWORKS INC COM SHS 040413205 BBG001T51KQ0 216,970 1,963 SH   SOLE   0 0 1,963
AT&T INC COM 00206R102 BBG001S5VWH2 224,744 9,870 SH   SOLE   0 0 9,870
BAIDU INC SPON ADR REP A 056752108 BBG001SNBKD5 519,771 6,165 SH   SOLE   0 0 6,165
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 335,752 7,639 SH   SOLE   0 0 7,639
BCB BANCORP INC COM 055298103 BBG001SK9NQ4 331,520 28,000 SH   SOLE   0 0 28,000
BLACKROCK INC COM 09290D101 BBG01PSW2WR0 522,613 510 SH   SOLE   0 0 510
BLOCK INC NOTE 0.250%11/0 852234AK9   8,648 10,000 SH   SOLE   0 0 10,000
BROADCOM INC COM 11135F101 BBG00KHY5SY8 1,815,109 7,829 SH   SOLE   0 0 7,829
CATERPILLAR INC COM 149123101 BBG001S5PJ06 716,067 1,974 SH   SOLE   0 0 1,974
CHERRY HILL MTG INVT CORP COM 164651101 BBG004HQLK70 32,098 12,158 SH   SOLE   0 0 12,158
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 924,044 6,380 SH   SOLE   0 0 6,380
CISCO SYS INC COM 17275R102 BBG001S6HC62 305,837 5,166 SH   SOLE   0 0 5,166
COCA COLA CO COM 191216100 BBG001S5SMQ8 349,719 5,617 SH   SOLE   0 0 5,617
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 290,987 7,753 SH   SOLE   0 0 7,753
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 1,368,016 1,493 SH   SOLE   0 0 1,493
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 248,406 5,534 SH   SOLE   0 0 5,534
DANAHER CORPORATION COM 235851102 BBG001S5QGT0 342,968 1,494 SH   SOLE   0 0 1,494
DBX ETF TR XTRACK USD HIGH 233051432 BBG00FGWY4G5 237,298 6,577 SH   SOLE   0 0 6,577
DIMENSIONAL ETF TRUST CALIF MUN BD ETF 25434V633 BBG01H4ZQZZ5 963,699 19,255 SH   SOLE   0 0 19,255
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 BBG01254CL28 43,721,755 1,059,408 SH   SOLE   0 0 1,059,408
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 BBG017159MD8 810,992 30,966 SH   SOLE   0 0 30,966
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 10,852,384 414,055 SH   SOLE   0 0 414,055
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 46,194,083 1,820,815 SH   SOLE   0 0 1,820,815
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 BBG01254K0G0 1,241,640 30,665 SH   SOLE   0 0 30,665
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 21,817,003 614,910 SH   SOLE   0 0 614,910
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 91,110,450 3,120,221 SH   SOLE   0 0 3,120,221
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 BBG01631TNW2 1,521,510 58,871 SH   SOLE   0 0 58,871
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 12,403,258 505,121 SH   SOLE   0 0 505,121
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 BBG012558MV6 236,856 4,958 SH   SOLE   0 0 4,958
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 BBG01254JDW6 37,940,068 809,302 SH   SOLE   0 0 809,302
DIMENSIONAL ETF TRUST ULTRASHORT FIXED 25434V591 BBG01J9W4CB4 19,697,024 389,346 SH   SOLE   0 0 389,346
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 BBG00Y2JG0C0 969,985 23,956 SH   SOLE   0 0 23,956
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 26,896,550 777,582 SH   SOLE   0 0 777,582
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 BBG011DXXNJ2 147,691,245 2,316,725 SH   SOLE   0 0 2,316,725
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 BBG015DLMLQ7 493,114 14,593 SH   SOLE   0 0 14,593
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 62,154,752 1,518,933 SH   SOLE   0 0 1,518,933
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 22,580,375 970,364 SH   SOLE   0 0 970,364
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 890,900 13,689 SH   SOLE   0 0 13,689
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 45,382,908 1,474,428 SH   SOLE   0 0 1,474,428
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 BBG01B92NHL4 590,672 15,585 SH   SOLE   0 0 15,585
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 BBG011DXY0L8 626,062 11,248 SH   SOLE   0 0 11,248
DIMENSIONAL ETF TRUST WORLD EQUITY ETF 25434V617 BBG01J9W24S6 436,533 6,989 SH   SOLE   0 0 6,989
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 BBG012G2PD33 308,573 12,412 SH   SOLE   0 0 12,412
DISNEY WALT CO COM 254687106 BBG001S5QHF3 218,483 1,962 SH   SOLE   0 0 1,962
DOW INC COM 260557103 BBG00BN96931 336,499 8,385 SH   SOLE   0 0 8,385
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 BBG01BBK3R95 742,736 6,735 SH   SOLE   0 0 6,735
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,871,785 2,425 SH   SOLE   0 0 2,425
ENERGY VAULT HOLDINGS INC COM 29280W109 BBG00YXTKLB4 69,321 30,404 SH   SOLE   0 0 30,404
ENTERPRISE PRODS PARTNERS L COM 293792107 BBG001S9P0Z1 953,371 30,401 SH   SOLE   0 0 30,401
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 842,520 7,832 SH   SOLE   0 0 7,832
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 BBG005FHWBL1 219,788 1,189 SH   SOLE   0 0 1,189
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506 BBG005SW6WS0 1,573,300 26,603 SH   SOLE   0 0 26,603
FIRST TR EXCHANGE-TRADED FD SMID RISNG ETF 33741X102 BBG00J3TCS97 1,408,791 39,297 SH   SOLE   0 0 39,297
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888 BBG00L2NXWJ3 671,274 27,232 SH   SOLE   0 0 27,232
FIRST TR SML CP CORE ALPHA F COM SHS 33734Y109 BBG001ST68W4 752,629 7,447 SH   SOLE   0 0 7,447
FIRST TR VALUE LINE DIVID IN SHS 33734H106 BBG001SLWD88 515,693 11,817 SH   SOLE   0 0 11,817
FISERV INC COM 337738108 BBG001S5R6Q4 256,980 1,251 SH   SOLE   0 0 1,251
FORD MTR CO COM 345370860 BBG001S5TZ33 168,243 16,994 SH   SOLE   0 0 16,994
GAMCO GLOBAL GOLD NAT RES & COM SH BEN INT 36465A109 BBG001SMK666 39,191 10,396 SH   SOLE   0 0 10,396
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 265,989 465 SH   SOLE   0 0 465
HOME DEPOT INC COM 437076102 BBG001S5RTW7 878,965 2,260 SH   SOLE   0 0 2,260
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 238,912 1,058 SH   SOLE   0 0 1,058
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 245,266 1,116 SH   SOLE   0 0 1,116
INTUITIVE SURGICAL INC COM NEW 46120E602 BBG001S7XR78 1,894,715 3,630 SH   SOLE   0 0 3,630
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 BBG00XS6PBW6 2,937,878 13,960 SH   SOLE   0 0 13,960
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 1,733,407 9,892 SH   SOLE   0 0 9,892
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 4,325,373 8,461 SH   SOLE   0 0 8,461
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 350,603 6,714 SH   SOLE   0 0 6,714
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 300,062 5,411 SH   SOLE   0 0 5,411
ISHARES TR 0-3 MNTH TREASRY 46436E718 BBG00TZR7YF0 4,560,527 45,460 SH   SOLE   0 0 45,460
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 584,652 13,721 SH   SOLE   0 0 13,721
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 828,244 10,103 SH   SOLE   0 0 10,103
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 225,855 2,443 SH   SOLE   0 0 2,443
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 324,750 4,239 SH   SOLE   0 0 4,239
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 340,667 5,554 SH   SOLE   0 0 5,554
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 382,938 5,449 SH   SOLE   0 0 5,449
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 896,778 14,392 SH   SOLE   0 0 14,392
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 760,325 6,599 SH   SOLE   0 0 6,599
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 364,600 2,835 SH   SOLE   0 0 2,835
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 900,230 1,529 SH   SOLE   0 0 1,529
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 286,084 3,757 SH   SOLE   0 0 3,757
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 521,542 4,049 SH   SOLE   0 0 4,049
ISHARES TR EXPONENTIAL TECH 46434V381 BBG008B3Q692 315,602 5,290 SH   SOLE   0 0 5,290
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 1,302,725 12,193 SH   SOLE   0 0 12,193
ISHARES TR LIFEPATH TGT2050 46438G778 BBG01JRZWF29 675,634 21,606 SH   SOLE   0 0 21,606
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 921,920 8,652 SH   SOLE   0 0 8,652
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 514,098 1,280 SH   SOLE   0 0 1,280
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 658,749 3,558 SH   SOLE   0 0 3,558
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 360,628 1,632 SH   SOLE   0 0 1,632
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 300,654 2,406 SH   SOLE   0 0 2,406
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 1,078,870 9,798 SH   SOLE   0 0 9,798
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 403,883 3,829 SH   SOLE   0 0 3,829
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 638,727 4,004 SH   SOLE   0 0 4,004
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 BBG00M8D2458 241,633 4,765 SH   SOLE   0 0 4,765
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,297,558 8,972 SH   SOLE   0 0 8,972
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 713,638 2,977 SH   SOLE   0 0 2,977
KLA CORP COM NEW 482480100 BBG001S5SLM4 448,036 711 SH   SOLE   0 0 711
KORN FERRY COM NEW 500643200 BBG001SC0054 320,118 4,746 SH   SOLE   0 0 4,746
LAM RESEARCH CORP COM NEW 512807306 BBG001S5SW40 816,782 11,308 SH   SOLE   0 0 11,308
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 250,611 516 SH   SOLE   0 0 516
LOWES COS INC COM 548661107 BBG001S5SVL3 291,591 1,181 SH   SOLE   0 0 1,181
LPL FINL HLDGS INC COM 50212V100 BBG001T5GK39 715,383 2,191 SH   SOLE   0 0 2,191
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 593,508 1,127 SH   SOLE   0 0 1,127
MCDONALDS CORP COM 580135101 BBG001S5T110 229,109 790 SH   SOLE   0 0 790
MERCK & CO INC COM 58933Y105 BBG001S5TC52 923,001 9,278 SH   SOLE   0 0 9,278
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 3,066,030 5,237 SH   SOLE   0 0 5,237
MICROSOFT CORP COM 594918104 BBG001S5TD05 6,747,830 16,009 SH   SOLE   0 0 16,009
MONSTER BEVERAGE CORP NEW COM 61174X109 BBG008NVB1F7 328,231 6,245 SH   SOLE   0 0 6,245
NETFLIX INC COM 64110L106 BBG001SF6L46 1,592,789 1,787 SH   SOLE   0 0 1,787
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 5,636,504 41,973 SH   SOLE   0 0 41,973
ORACLE CORP COM 68389X105 BBG001S5SJG6 929,742 5,579 SH   SOLE   0 0 5,579
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 463,839 6,133 SH   SOLE   0 0 6,133
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 236,912 1,302 SH   SOLE   0 0 1,302
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 207,827 2,435 SH   SOLE   0 0 2,435
PEPSICO INC COM 713448108 BBG001S695T1 451,413 2,969 SH   SOLE   0 0 2,969
PIMCO INCOME STRATEGY FD II COM 72201J104 BBG001S9L7C5 201,110 26,995 SH   SOLE   0 0 26,995
PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 345,847 1,793 SH   SOLE   0 0 1,793
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 434,512 2,592 SH   SOLE   0 0 2,592
QUALCOMM INC COM 747525103 BBG001S6VS70 382,489 2,490 SH   SOLE   0 0 2,490
REPUBLIC SVCS INC COM 760759100 BBG001S9DL33 202,387 1,006 SH   SOLE   0 0 1,006
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 660,597 5,709 SH   SOLE   0 0 5,709
SALESFORCE INC COM 79466L302 BBG001SDLP09 780,598 2,335 SH   SOLE   0 0 2,335
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 1,209,751 16,346 SH   SOLE   0 0 16,346
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 BBG0051NXNX3 220,521 7,425 SH   SOLE   0 0 7,425
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 219,922 11,888 SH   SOLE   0 0 11,888
SCHWAB STRATEGIC TR MUN BD ETF 808524649 BBG019GV63H2 381,066 14,839 SH   SOLE   0 0 14,839
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 787,554 34,694 SH   SOLE   0 0 34,694
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 1,094,410 40,059 SH   SOLE   0 0 40,059
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 703,882 30,366 SH   SOLE   0 0 30,366
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 717,389 34,064 SH   SOLE   0 0 34,064
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 530,874 20,553 SH   SOLE   0 0 20,553
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 214,885 1,562 SH   SOLE   0 0 1,562
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 564,059 2,426 SH   SOLE   0 0 2,426
SHOPIFY INC CL A 82509L107 BBG004DW5NC7 471,786 4,437 SH   SOLE   0 0 4,437
SLM CORP COM 78442P106 BBG001S5W4T0 218,103 7,908 SH   SOLE   0 0 7,908
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 353,591 831 SH   SOLE   0 0 831
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 412,347 1,703 SH   SOLE   0 0 1,703
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,094,808 1,868 SH   SOLE   0 0 1,868
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 264,399 464 SH   SOLE   0 0 464
SPDR SER TR AEROSPACE DEF 78464A631 BBG0024LG8W4 254,587 1,535 SH   SOLE   0 0 1,535
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 205,778 2,251 SH   SOLE   0 0 2,251
SPDR SER TR BLOOMBERG INVT 78468R200 BBG0029J2J00 499,913 16,268 SH   SOLE   0 0 16,268
SPDR SER TR PORTFLI INTRMDIT 78464A672 BBG001STKCX8 489,213 17,547 SH   SOLE   0 0 17,547
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,191,173 16,676 SH   SOLE   0 0 16,676
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 1,859,052 26,966 SH   SOLE   0 0 26,966
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 279,330 6,218 SH   SOLE   0 0 6,218
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 1,028,586 20,113 SH   SOLE   0 0 20,113
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 329,313 3,790 SH   SOLE   0 0 3,790
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 272,226 2,061 SH   SOLE   0 0 2,061
SPDR SER TR S&P KENSHO NEW 78468R648 BBG00M9BL771 211,199 4,155 SH   SOLE   0 0 4,155
SPOTIFY TECHNOLOGY S A SHS L8681T102 BBG003T4VFD1 545,356 1,219 SH   SOLE   0 0 1,219
STARBUCKS CORP COM 855244109 BBG001S72KH6 295,623 3,240 SH   SOLE   0 0 3,240
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 214,672 1,087 SH   SOLE   0 0 1,087
TESLA INC COM 88160R101 BBG001SQKGD7 3,987,282 9,873 SH   SOLE   0 0 9,873
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 250,831 482 SH   SOLE   0 0 482
TJX COS INC NEW COM 872540109 BBG001S5WQ93 202,745 1,678 SH   SOLE   0 0 1,678
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 829,401 1,640 SH   SOLE   0 0 1,640
VANECK ETF TRUST IG FLOATING RATE 92189F486 BBG001V14Q53 414,453 16,285 SH   SOLE   0 0 16,285
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 BBG002XRNHT5 929,814 10,028 SH   SOLE   0 0 10,028
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 BBG001TC6MG7 423,266 2,294 SH   SOLE   0 0 2,294
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 1,263,663 16,354 SH   SOLE   0 0 16,354
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 3,659,916 50,896 SH   SOLE   0 0 50,896
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 BBG00ZXBYMT4 693,781 13,982 SH   SOLE   0 0 13,982
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 BBG01L82WF19 597,485 6,002 SH   SOLE   0 0 6,002
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 635,519 12,957 SH   SOLE   0 0 12,957
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 1,810,445 9,530 SH   SOLE   0 0 9,530
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 4,010,216 9,771 SH   SOLE   0 0 9,771
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 266,243 1,646 SH   SOLE   0 0 1,646
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 488,154 1,848 SH   SOLE   0 0 1,848
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 1,747,069 19,612 SH   SOLE   0 0 19,612
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 4,460,197 8,278 SH   SOLE   0 0 8,278
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,310,715 6,614 SH   SOLE   0 0 6,614
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,428,785 5,946 SH   SOLE   0 0 5,946
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 21,008,841 72,492 SH   SOLE   0 0 72,492
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 3,086,709 18,232 SH   SOLE   0 0 18,232
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 906,428 15,789 SH   SOLE   0 0 15,789
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,330,578 52,920 SH   SOLE   0 0 52,920
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 658,534 5,752 SH   SOLE   0 0 5,752
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 263,890 2,246 SH   SOLE   0 0 2,246
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 499,300 10,312 SH   SOLE   0 0 10,312
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 665,328 13,272 SH   SOLE   0 0 13,272
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 263,021 4,535 SH   SOLE   0 0 4,535
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 363,602 4,530 SH   SOLE   0 0 4,530
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 702,994 3,590 SH   SOLE   0 0 3,590
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 10,522,311 178,556 SH   SOLE   0 0 178,556
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,805,175 37,749 SH   SOLE   0 0 37,749
VANGUARD WELLINGTON FD US QUALITY 921935706 BBG00K269NN4 356,993 2,534 SH   SOLE   0 0 2,534
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 1,429,750 11,206 SH   SOLE   0 0 11,206
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 555,611 6,946 SH   SOLE   0 0 6,946
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 271,770 2,591 SH   SOLE   0 0 2,591
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 239,730 386 SH   SOLE   0 0 386
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 310,882 7,774 SH   SOLE   0 0 7,774
VISA INC COM CL A 92826C839 BBG001SRCFY3 868,555 2,748 SH   SOLE   0 0 2,748
VUZIX CORP COM NEW 92921W300 BBG001T6DHT9 41,370 10,500 SH   SOLE   0 0 10,500
WALMART INC COM 931142103 BBG001S5XH92 366,051 4,051 SH   SOLE   0 0 4,051
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 228,472 3,253 SH   SOLE   0 0 3,253
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 BBG005YHYNG8 874,562 17,380 SH   SOLE   0 0 17,380