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
ABBOTT LABS COM 002824100 252 2,129 SH   SOLE   2,129 0 0
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 11,118 115,717 SH   SOLE   115,717 0 0
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 214 2,231 SH   SOLE 1 2,231 0 0
ALPHABET INC CAP STK CL A 02079K305 415 149 SH   SOLE   149 0 0
AMAZON COM INC COM 023135106 425 130 SH   SOLE   130 0 0
APPLE INC COM 037833100 1,061 6,078 SH   SOLE   6,078 0 0
AT&T INC COM 00206R102 290 12,263 SH   SOLE   12,263 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 365 1,034 SH   SOLE   1,034 0 0
BOEING CO COM 097023105 218 1,138 SH   SOLE   1,138 0 0
CHEVRON CORP NEW COM 166764100 286 1,756 SH   SOLE   1,756 0 0
CISCO SYS INC COM 17275R102 229 4,105 SH   SOLE   4,105 0 0
DBX ETF TR XTRACK INTL REAL 233051846 3,783 141,669 SH   SOLE 1 141,669 0 0
DBX ETF TR XTRACK INTL REAL 233051846 525,128 19,667,726 SH   SOLE   19,667,726 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 667,477 27,638,803 SH   SOLE   27,638,803 0 0
DBX ETF TR XTRACK USD HIGH 233051432 256,878 6,810,123 SH   SOLE   6,810,123 0 0
DBX ETF TR XTRACK USD HIGH 233051432 174 4,601 SH   SOLE 1 4,601 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 302 1,486 SH   SOLE   1,486 0 0
EXXON MOBIL CORP COM 30231G102 349 4,221 SH   SOLE   4,221 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 459 11,391 SH   SOLE   11,391 0 0
GLOBAL X FDS US PFD ETF 37954Y657 47,842 2,035,821 SH   SOLE   2,035,821 0 0
HOME DEPOT INC COM 437076102 223 743 SH   SOLE   743 0 0
HUMANA INC COM 444859102 251 576 SH   SOLE   576 0 0
ICAHN ENTERPRISES LP DEPOSITARY UNIT 451100101 817 15,725 SH   SOLE   15,725 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 264,931 10,268,661 SH   SOLE   10,268,661 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 498,785 10,812,597 SH   SOLE   10,812,597 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 11,364 246,353 SH   SOLE 1 246,353 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 440,074 21,137,069 SH   SOLE   21,137,069 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 10,993 528,021 SH   SOLE 1 528,021 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 276,645 8,023,346 SH   SOLE   8,023,346 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 4,643 134,645 SH   SOLE 1 134,645 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 10 720 SH   SOLE   720 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 768 56,579 SH   SOLE 1 56,579 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 76,173 3,498,990 SH   SOLE   3,498,990 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 958 44,000 SH   SOLE 1 44,000 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 519,483 3,040,402 SH   SOLE   3,040,402 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 7,620 44,599 SH   SOLE 1 44,599 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 481,243 2,634,492 SH   SOLE   2,634,492 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 7,823 42,827 SH   SOLE 1 42,827 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,274 3,514 SH   SOLE   3,514 0 0
ISHARES GOLD TR ISHARES NEW 464285204 5,763 156,488 SH   SOLE 1 156,488 0 0
ISHARES GOLD TR ISHARES NEW 464285204 773,774 21,009,347 SH   SOLE   21,009,347 0 0
ISHARES INC CORE MSCI EMKT 46434G103 309,382 5,569,432 SH   SOLE   5,569,432 0 0
ISHARES INC CORE MSCI EMKT 46434G103 8,591 154,650 SH   SOLE 1 154,650 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 305 6,932 SH   SOLE   6,932 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 7,516 61,581 SH   SOLE   61,581 0 0
ISHARES TR BROAD USD HIGH 46435U853 997 25,661 SH   SOLE 1 25,661 0 0
ISHARES TR BROAD USD HIGH 46435U853 25,955 667,906 SH   SOLE   667,906 0 0
ISHARES TR CALIF MUN BD ETF 464288356 253,017 4,348,866 SH   SOLE   4,348,866 0 0
ISHARES TR CORE INTL AGGR 46435G672 31,751 609,064 SH   SOLE   609,064 0 0
ISHARES TR CORE INTL AGGR 46435G672 437 8,375 SH   SOLE 1 8,375 0 0
ISHARES TR CORE MSCI EAFE 46432F842 218 3,133 SH   SOLE   3,133 0 0
ISHARES TR CORE S&P TTL STK 464287150 470 4,656 SH   SOLE   4,656 0 0
ISHARES TR CORE S&P500 ETF 464287200 714 1,574 SH   SOLE   1,574 0 0
ISHARES TR CORE US AGGBD ET 464287226 385 3,599 SH   SOLE 1 3,599 0 0
ISHARES TR CORE US AGGBD ET 464287226 695 6,487 SH   SOLE   6,487 0 0
ISHARES TR CRE U S REIT ETF 464288521 95,225 1,472,927 SH   SOLE   1,472,927 0 0
ISHARES TR CRE U S REIT ETF 464288521 2,451 37,907 SH   SOLE 1 37,907 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 783 15,142 SH   SOLE   15,142 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 206 3,760 SH   SOLE   3,760 0 0
ISHARES TR MBS ETF 464288588 282,719 2,775,293 SH   SOLE   2,775,293 0 0
ISHARES TR MBS ETF 464288588 1,674 16,435 SH   SOLE 1 16,435 0 0
ISHARES TR PFD AND INCM SEC 464288687 370 10,169 SH   SOLE 1 10,169 0 0
ISHARES TR PFD AND INCM SEC 464288687 3 78 SH   SOLE   78 0 0
JOHNSON & JOHNSON COM 478160104 330 1,862 SH   SOLE   1,862 0 0
JPMORGAN CHASE & CO COM 46625H100 226 1,661 SH   SOLE   1,661 0 0
LUCID GROUP INC COM 549498103 248 9,766 SH   SOLE   9,766 0 0
MICROSOFT CORP COM 594918104 778 2,525 SH   SOLE   2,525 0 0
NVIDIA CORPORATION COM 67066G104 226 827 SH   SOLE   827 0 0
PHILIP MORRIS INTL INC COM 718172109 260 2,763 SH   SOLE   2,763 0 0
PROCTER AND GAMBLE CO COM 742718109 320 2,091 SH   SOLE   2,091 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206 354 4,920 SH   SOLE   4,920 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 230 2,321 SH   SOLE   2,321 0 0
REE AUTOMOTIVE LTD CLASS A ORD SHS M8287R103 95 50,250 SH   SOLE   50,250 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 13 259 SH   SOLE   259 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 458 9,427 SH   SOLE 1 9,427 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 1,112 23,236 SH   SOLE 1 23,236 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 8 159 SH   SOLE   159 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,952 286,356 SH   SOLE 1 286,356 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,968,065 70,870,173 SH   SOLE   70,870,173 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,315,670 63,062,906 SH   SOLE   63,062,906 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 11,465 312,240 SH   SOLE 1 312,240 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,509 118,759 SH   SOLE 1 118,759 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,116,541 29,405,867 SH   SOLE   29,405,867 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 711,204 13,355,943 SH   SOLE   13,355,943 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,574 29,553 SH   SOLE 1 29,553 0 0
SCHWAB STRATEGIC TR LONG TERM US 808524680 1,419 30,932 SH   SOLE 1 30,932 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 5,249,179 89,729,556 SH   SOLE   89,729,556 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 24,957 426,618 SH   SOLE 1 426,618 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 14,179 265,228 SH   SOLE 1 265,228 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 3,371,438 63,064,677 SH   SOLE   63,064,677 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 11,892 410,790 SH   SOLE 1 410,790 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 2,889,245 99,801,219 SH   SOLE   99,801,219 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 17,793 551,878 SH   SOLE 1 551,878 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 3,717,197 115,297,661 SH   SOLE   115,297,661 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 9,564 270,336 SH   SOLE 1 270,336 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,771,750 50,077,721 SH   SOLE   50,077,721 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 26 522 SH   SOLE   522 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 350 7,055 SH   SOLE 1 7,055 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 141 2,789 SH   SOLE   2,789 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 388 7,665 SH   SOLE 1 7,665 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 507 9,500 SH   SOLE   9,500 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 701,701 8,894,670 SH   SOLE   8,894,670 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,571 32,591 SH   SOLE 1 32,591 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 31,168 578,790 SH   SOLE 1 578,790 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,253,728 134,702,471 SH   SOLE   134,702,471 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 6,804 273,374 SH   SOLE 1 273,374 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,191,812 47,883,146 SH   SOLE   47,883,146 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,406,467 93,041,963 SH   SOLE   93,041,963 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 21,726 458,747 SH   SOLE 1 458,747 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,883,166 96,906,045 SH   SOLE   96,906,045 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 19,918 328,091 SH   SOLE 1 328,091 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 475 1,051 SH   SOLE   1,051 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391 379,014 16,674,618 SH   SOLE   16,674,618 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391 1,632 71,818 SH   SOLE 1 71,818 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 725 7,072 SH   SOLE 1 7,072 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 8 80 SH   SOLE   80 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 3,315 84,988 SH   SOLE   84,988 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 666 13,919 SH   SOLE 1 13,919 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 645,256 13,476,530 SH   SOLE   13,476,530 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 4,281 141,487 SH   SOLE 1 141,487 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 446,997 14,771,878 SH   SOLE   14,771,878 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 816,036 23,895,623 SH   SOLE   23,895,623 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 8,342 244,268 SH   SOLE 1 244,268 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 320 10,787 SH   SOLE   10,787 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 0 2 SH   SOLE 1 2 0 0
STARBUCKS CORP COM 855244109 209 2,300 SH   SOLE   2,300 0 0
TARGET CORP COM 87612E106 247 1,162 SH   SOLE   1,162 0 0
TESLA INC COM 88160R101 1,391 1,291 SH   SOLE   1,291 0 0
UNITEDHEALTH GROUP INC COM 91324P102 234 459 SH   SOLE   459 0 0
UPSTART HLDGS INC COM 91680M107 477 4,371 SH   SOLE   4,371 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 692 25,636 SH   SOLE 1 25,636 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 101,248 3,751,330 SH   SOLE   3,751,330 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 32 406 SH   SOLE 1 406 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 368 4,621 SH   SOLE   4,621 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 81,192 1,548,287 SH   SOLE   1,548,287 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 6 115 SH   SOLE 1 115 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 238 2,193 SH   SOLE   2,193 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 795,147 1,915,232 SH   SOLE   1,915,232 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 16,419 39,548 SH   SOLE 1 39,548 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 8,225 38,701 SH   SOLE 1 38,701 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 504,371 2,373,286 SH   SOLE   2,373,286 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 985 4,325 SH   SOLE   4,325 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 209 1,417 SH   SOLE   1,417 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 100 2,160 SH   SOLE 1 2,160 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 328 7,103 SH   SOLE   7,103 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,446 35,889 SH   SOLE 1 35,889 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 173,236 1,398,305 SH   SOLE   1,398,305 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,687 32,480 SH   SOLE 1 32,480 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 312,773 6,020,659 SH   SOLE   6,020,659 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 961,646 18,654,636 SH   SOLE   18,654,636 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 782 15,167 SH   SOLE 1 15,167 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 335 5,321 SH   SOLE   5,321 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 18,386 213,694 SH   SOLE 1 213,694 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,669,961 54,276,622 SH   SOLE   54,276,622 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 5,681 113,402 SH   SOLE 1 113,402 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 3,663,325 73,120,266 SH   SOLE   73,120,266 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 303 3,874 SH   SOLE 1 3,874 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 122 1,556 SH   SOLE   1,556 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 382,322 7,960,062 SH   SOLE   7,960,062 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,262 151,202 SH   SOLE 1 151,202 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 94,162 838,864 SH   SOLE   838,864 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 120,092 1,775,986 SH   SOLE   1,775,986 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 207 4,056 SH   SOLE   4,056 0 0
VICTORY PORTFOLIOS II VICTORYSHS INTRM 92647N527 225 4,515 SH   SOLE   4,515 0 0
WALMART INC COM 931142103 203 1,362 SH   SOLE   1,362 0 0