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 |
AMAZON COM INC COM | Stock | 023135106 | 568 | 173 | SH | | SOLE | 0 | 173 | 0 | 0 |
VANGUARD TOTAL STOCK MARKET INDEX ETF | ETF | 922908769 | 387,894 | 1,746,798 | SH | | SOLE | 0 | 1,746,798 | 0 | 0 |
INVESCO FUNDAMENTAL HIGH YIELD CORPORATE BOND ETF | ETF | 46138E719 | 2,558 | 131,313 | SH | | SOLE | 0 | 131,313 | 0 | 0 |
VANGUARD REAL ESTATE INDEX ETF | ETF | 922908553 | 44,918 | 441,323 | SH | | SOLE | 0 | 441,322 | 0 | 0 |
ISHARES DOW JONES U.S. ETF | ETF | 464287846 | 863 | 8,000 | SH | | SOLE | 0 | 8,000 | 0 | 0 |
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF | ETF | 464288158 | 221 | 2,055 | SH | | SOLE | 0 | 2,055 | 0 | 0 |
SPDR TR UNIT SER 1 | ETF | 78462F103 | 966 | 2,252 | SH | | SOLE | 0 | 2,252 | 0 | 0 |
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN INDEX FUND | ETF | 464288182 | 776 | 9,142 | SH | | SOLE | 0 | 9,142 | 0 | 0 |
ISHARES S&P 100 ETF | ETF | 464287101 | 1,081 | 5,475 | SH | | SOLE | 0 | 5,475 | 0 | 0 |
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND | ETF | 922042718 | 338 | 2,531 | SH | | SOLE | 0 | 2,531 | 0 | 0 |
ISHARES CORE MSCI PACIFIC ETF | ETF | 46434V696 | 6,129 | 91,527 | SH | | SOLE | 0 | 91,526 | 0 | 0 |
ISHARES CALIFORNIA MUNI BOND ETF | ETF | 464288356 | 6,994 | 112,678 | SH | | SOLE | 0 | 112,678 | 0 | 0 |
SCHWAB U.S. SMALL-CAP ETF | ETF | 808524607 | 6,285 | 62,789 | SH | | SOLE | 0 | 62,788 | 0 | 0 |
SCHWAB U.S. BROAD MARKET ETF | ETF | 808524102 | 7,998 | 77,011 | SH | | SOLE | 0 | 77,010 | 0 | 0 |
SCHWAB INTERNATIONAL EQUITY ETF | ETF | 808524805 | 1,451 | 37,488 | SH | | SOLE | 0 | 37,488 | 0 | 0 |
SCHWAB U.S. LARGE-CAP GROWTH ETF | ETF | 808524300 | 301 | 2,030 | SH | | SOLE | 0 | 2,029 | 0 | 0 |
BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 | 880 | 3,224 | SH | | SOLE | 0 | 3,224 | 0 | 0 |
SCHWAB EMERGING MARKETS EQUITY ETF | ETF | 808524706 | 7,254 | 237,987 | SH | | SOLE | 0 | 237,986 | 0 | 0 |
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF | ETF | 808524888 | 9,245 | 222,674 | SH | | SOLE | 0 | 222,673 | 0 | 0 |
JPMORGAN BETABUILDERS EUROPE ETF | ETF | 46641Q191 | 720 | 12,610 | SH | | SOLE | 0 | 12,610 | 0 | 0 |
ISHARES MSCI EMERGING MARKETS EX CHINA ETF | ETF | 46434G764 | 299 | 4,928 | SH | | SOLE | 0 | 4,928 | 0 | 0 |
VANGUARD FTSE EUROPE INDEX ETF | ETF | 922042874 | 68,203 | 1,039,527 | SH | | SOLE | 0 | 1,039,526 | 0 | 0 |
SCHWAB U.S. LARGE-CAP VALUE ETF | ETF | 808524409 | 547 | 8,102 | SH | | SOLE | 0 | 8,101 | 0 | 0 |
SCHWAB U.S. TIPS ETF | ETF | 808524870 | 1,274 | 20,364 | SH | | SOLE | 0 | 20,364 | 0 | 0 |
SCHWAB U.S. REIT ETF | ETF | 808524847 | 306 | 6,698 | SH | | SOLE | 0 | 6,698 | 0 | 0 |
VANGUARD FTSE PACIFIC INDEX ETF | ETF | 922042866 | 72,006 | 888,521 | SH | | SOLE | 0 | 888,521 | 0 | 0 |
SCHWAB US AGGREGATE BOND ETF | ETF | 808524839 | 5,462 | 100,662 | SH | | SOLE | 0 | 100,661 | 0 | 0 |
DIMENSIONAL U.S. EQUITY ETF | ETF | 25434V401 | 318 | 6,752 | SH | | SOLE | 0 | 6,752 | 0 | 0 |
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF | ETF | 464287150 | 252 | 2,562 | SH | | SOLE | 0 | 2,562 | 0 | 0 |
VANGUARD TOTAL BOND INDEX ETF | ETF | 921937835 | 1,430 | 16,730 | SH | | SOLE | 0 | 16,729 | 0 | 0 |
VANGUARD TOTAL INTERNATIONAL BOND ETF | ETF | 92203J407 | 650 | 11,414 | SH | | SOLE | 0 | 11,414 | 0 | 0 |
VANGUARD INTERMEDIATE-TERM B | ETF | 921937819 | 556 | 6,219 | SH | | SOLE | 0 | 6,219 | 0 | 0 |
CHEVRON CORP NEW COM | Stock | 166764100 | 207 | 2,045 | SH | | SOLE | 0 | 2,045 | 0 | 0 |
ISHARES S&P NAT AMT-FREE MUN | ETF | 464288414 | 25,753 | 221,687 | SH | | SOLE | 0 | 221,687 | 0 | 0 |
RAYTHEON TECH CORP | Stock | 75513E101 | 731 | 8,505 | SH | | SOLE | 0 | 8,505 | 0 | 0 |
VANGUARD EMERGING MARKET | ETF | 922042858 | 239 | 4,788 | SH | | SOLE | 0 | 4,788 | 0 | 0 |
SPDR NUVEEN BLOOMBERG MUNICIPAL BOND ETF | ETF | 78468R721 | 220 | 4,267 | SH | | SOLE | 0 | 4,267 | 0 | 0 |
ISHARES CORE MSCI EUROPE ETF | ETF | 46434V738 | 10,914 | 194,683 | SH | | SOLE | 0 | 194,682 | 0 | 0 |
ISHARES S&P SMALL-CAP 600 VALUE INDEX ETF | ETF | 464287879 | 128,105 | 1,272,525 | SH | | SOLE | 0 | 1,272,524 | 0 | 0 |
ISHARES RUSSELL 3000 ETF | ETF | 464287689 | 330 | 1,293 | SH | | SOLE | 0 | 1,293 | 0 | 0 |
ISHARES TR MSCI EAFE FD MSCI EAFE INDEX FU | ETF | 464287465 | 285 | 3,650 | SH | | SOLE | 0 | 3,650 | 0 | 0 |
APPLE INC | Stock | 037833100 | 414 | 2,925 | SH | | SOLE | 0 | 2,924 | 0 | 0 |