Private Ocean 13F-HR Quarterly holdings report by institutional manager

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
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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	144,497	1,414	SH		SOLE		0	0	1,414
Abbott Laboratories	COM	002824100	155,345	1,495	SH		SOLE		0	0	1,495
AbbVie Inc	COM	00287Y109	472,366	2,754	SH		SOLE		0	0	2,754
Accenture PLC Class A	COM	G1151C101	311,299	1,026	SH		SOLE		0	0	1,026
Adobe Systems Inc	COM	00724F101	80,553	145	SH		SOLE		0	0	145
Advanced Battery Technologies Inc	COM	02451V309	884	707	SH		SOLE		0	0	707
Advanced Micro Devices	COM	007903107	72,183	445	SH		SOLE		0	0	445
Advantest	COM	00762U200	3,907	96	SH		SOLE		0	0	96
AdvisorShares Focused Equity ETF	ETF	00768Y560	1,306	21	SH		SOLE		0	0	21
Aegon NV	COM	0076CA104	533	87	SH		SOLE		0	0	87
Affirm Holdings Inc Ordinary Shares - Class A	COM	00827B106	29,032	961	SH		SOLE		0	0	961
AFLAC Inc	COM	001055102	2,947	33	SH		SOLE		0	0	33
Agere Systems Inc	COM	05351W103	391	11	SH		SOLE		0	0	11
Agilent Technologies Inc	COM	00846U101	12,444	96	SH		SOLE		0	0	96
Agnico-Eagle Mines Ltd	COM	008474108	2,747	42	SH		SOLE		0	0	42
Agree Realty	COM	008492100	146,102	2,359	SH		SOLE		0	0	2,359
Air Products & Chemicals Inc	COM	009158106	90,318	350	SH		SOLE		0	0	350
Allegheny Technologies Inc	COM	01741R102	16,651	300	SH		SOLE		0	0	300
Allstate Corp	COM	020002101	93,561	586	SH		SOLE		0	0	586
Alphabet Inc Class A	COM	02079K305	1,370,552	7,524	SH		SOLE		0	0	7,524
Alphabet Inc Class C	COM	02079K107	766,778	4,180	SH		SOLE		0	0	4,180
ALPS International Sector Div Dogs ETF	ETF	00162Q718	12,613	425	SH		SOLE		0	0	425
Altria Group Inc	COM	02209S103	13,893	305	SH		SOLE		0	0	305
Amazon.com Inc	COM	023135106	4,029,561	20,852	SH		SOLE		0	0	20,852
American Eagle Outfitters	COM	02553E106	248,821	12,466	SH		SOLE		0	0	12,466
American Electric Power Company Inc	COM	025537101	8,774	100	SH		SOLE		0	0	100
American Express Co	COM	025816109	907,982	3,921	SH		SOLE		0	0	3,921
American International Group Inc	COM	026874784	5,642	76	SH		SOLE		0	0	76
American Tower Corp A	COM	03027X100	14,047	72	SH		SOLE		0	0	72
American Water Works Co.	COM	030420103	10,333	80	SH		SOLE		0	0	80
Ameriprise Financial Inc	COM	03076C106	56,472	132	SH		SOLE		0	0	132
Amgen Inc	COM	031162100	452,428	1,448	SH		SOLE		0	0	1,448
Angel Oak High Yield Opportunities ETF	ETF	03463K745	176,422	16,201	SH		SOLE		0	0	16,201
Annaly Capital Management	COM	035710839	400	21	SH		SOLE		0	0	21
AON Corp	COM	G0403H108	14,701,312	50,076	SH		SOLE		0	0	50,076
Apollo Global Mgmt	COM	03769M106	5,195	44	SH		SOLE		0	0	44
Apple Inc	COM	037833100	33,722,888	160,112	SH		SOLE		0	0	160,112
Applied Materials Inc	COM	038222105	4,012	17	SH		SOLE		0	0	17
Arch Capital Group Ltd	COM	G0450A105	5,045	50	SH		SOLE		0	0	50
Archer Daniels Midland Co	COM	039483102	4,896	81	SH		SOLE		0	0	81
Arista Networks Inc	COM	040413106	14,019	40	SH		SOLE		0	0	40
Arthur J Gallagher & Co	COM	363576109	800,795	3,088	SH		SOLE		0	0	3,088
Asana Inc Ordinary Shares - Class A	COM	04342Y104	5,596	400	SH		SOLE		0	0	400
ASML Holding NV	COM	N07059210	38,864	38	SH		SOLE		0	0	38
Assurant Inc	COM	04621X108	998	6	SH		SOLE		0	0	6
AT&T Corp	COM	00206R102	41,694	2,182	SH		SOLE		0	0	2,182
ATP Oil & Gas Corp	COM	00208J108	0	200	SH		SOLE		0	0	200
Autodesk Inc	COM	052769106	101,455	410	SH		SOLE		0	0	410
Automatic Data Processing	COM	053015103	107,411	450	SH		SOLE		0	0	450
Autozone Inc	COM	053332102	2,964	1	SH		SOLE		0	0	1
Avantis Emerging Markets Equity ETF	ETF	025072604	17,899	293	SH		SOLE		0	0	293
Avantis US Equity ETF	ETF	025072885	68,905	764	SH		SOLE		0	0	764
Avista Corp	COM	05379B107	9,102	263	SH		SOLE		0	0	263
Axa Equitable Holdings I	COM	29452E101	3,841	94	SH		SOLE		0	0	94
Banco Bilbao Vizcaya	COM	05946K101	4,363	435	SH		SOLE		0	0	435
BANDAI NAMCO Holdings Inc.	COM	059831107	2,641	269	SH		SOLE		0	0	269
Bank Marin Corte Madera Ca	COM	063425102	58,317	3,602	SH		SOLE		0	0	3,602
Bank of America Corp	COM	060505104	44,065	1,108	SH		SOLE		0	0	1,108
Bank of New York Mellon	COM	064058100	2,396	40	SH		SOLE		0	0	40
Baxter International Inc	COM	071813109	7,727	231	SH		SOLE		0	0	231
Bayerische Motr	COM	072743305	4,753	151	SH		SOLE		0	0	151
Becton Dickinson & Co	COM	075887109	41,600	178	SH		SOLE		0	0	178
Berkshire Hathaway Cl B	COM	084670702	1,756,969	4,319	SH		SOLE		0	0	4,319
Best Buy Inc	COM	086516101	421	5	SH		SOLE		0	0	5
Biomarin Pharmaceutical	COM	09061G101	119,379	1,450	SH		SOLE		0	0	1,450
Biozoom Inc	COM	09072T100	0	100	SH		SOLE		0	0	100
Bitcoin Investment Ord	COM	389637109	1,278	24	SH		SOLE		0	0	24
Bitcoin Services Inc	COM	09173Y107	0	2,300	SH		SOLE		0	0	2,300
Blackrock Inc	COM	09247X101	20,470	26	SH		SOLE		0	0	26
Blackstone Group Lp	COM	09260D107	150,417	1,215	SH		SOLE		0	0	1,215
BNP Paribas	COM	05565A202	5,110	159	SH		SOLE		0	0	159
Boeing Co	COM	097023105	225,374	1,238	SH		SOLE		0	0	1,238
Booz Allen Hamilton Inc	COM	099502106	2,616	17	SH		SOLE		0	0	17
Bristol-Myers Squibb Co	COM	110122108	148,470	3,575	SH		SOLE		0	0	3,575
Broadcom Inc	COM	11135F101	184,636	115	SH		SOLE		0	0	115
Brookfield Infrastructure Partners	COM	G16252101	5,515	201	SH		SOLE		0	0	201
Burberry Group Plc	COM	12082W204	489	43	SH		SOLE		0	0	43
C3.ai, Inc.	COM	12468P104	4,778	165	SH		SOLE		0	0	165
Canadian Natural Resources Ltd	COM	136385101	5,482	154	SH		SOLE		0	0	154
Cannabics Pharmaceuticals Inc	COM	13764M209	0	9	SH		SOLE		0	0	9
Cannabis Science Inc	COM	137648101	0	10,000	SH		SOLE		0	0	10,000
Canoo Inc.	COM	13803R201	183	86	SH		SOLE		0	0	86
Capital One Financial Corp	COM	14040H105	4,707	34	SH		SOLE		0	0	34
Cardinal Health Inc	COM	14149Y108	7,571	77	SH		SOLE		0	0	77
Cardiol Therapeutics Inc Class A	COM	14161Y200	30,605	15,151	SH		SOLE		0	0	15,151
CarMax Inc	COM	143130102	220	3	SH		SOLE		0	0	3
Carnival Corp	COM	143658300	3,313	177	SH		SOLE		0	0	177
Caterpillar Inc	COM	149123101	49,299	148	SH		SOLE		0	0	148
Cdw Corp	COM	12514G108	50,364	225	SH		SOLE		0	0	225
Cenovus Energy Inc	COM	15135U109	5,171	263	SH		SOLE		0	0	263
Centene Corp	COM	15135B101	2,055	31	SH		SOLE		0	0	31
Center Point Energy	COM	15189T107	372	12	SH		SOLE		0	0	12
Cgi Inc	COM	12532H104	3,593	36	SH		SOLE		0	0	36
Charles Schwab Corp	COM	808513105	644,472	8,746	SH		SOLE		0	0	8,746
Chevron Texaco Corp	COM	166764100	413,242	2,642	SH		SOLE		0	0	2,642
Chubb Corp	COM	H1467J104	3,316	13	SH		SOLE		0	0	13
Cigna Corp	COM	125523100	66,114	200	SH		SOLE		0	0	200
Cintas Corp	COM	172908105	2,101	3	SH		SOLE		0	0	3
Cisco Systems Inc	COM	17275R102	285,963	6,019	SH		SOLE		0	0	6,019
Citigroup Inc	COM	172967424	3,173	50	SH		SOLE		0	0	50
Citizens Finl Group Inc Com	COM	174610105	36,438	1,011	SH		SOLE		0	0	1,011
Clorox Co	COM	189054109	40,941	300	SH		SOLE		0	0	300
Coca Cola Co	COM	191216100	52,311	822	SH		SOLE		0	0	822
Colgate-Palmolive Co	COM	194162103	148,762	1,533	SH		SOLE		0	0	1,533
Comcast Corp A	COM	20030N101	153,390	3,917	SH		SOLE		0	0	3,917
Communication Services Sel Sect SPDR ETF	ETF	81369Y852	38,804	453	SH		SOLE		0	0	453
Community Invt Group Ltd	COM	20371Q101	0	945	SH		SOLE		0	0	945
Compagnie Financiere R	COM	204319107	14,617	937	SH		SOLE		0	0	937
ConocoPhillips	COM	20825C104	78,465	686	SH		SOLE		0	0	686
Consol Energy Inc Ordinary Shares	COM	20854L108	7,652	75	SH		SOLE		0	0	75
Consolidated Edison Inc	COM	209115104	175,654	1,964	SH		SOLE		0	0	1,964
Constellation Brands A	COM	21036P108	32,160	125	SH		SOLE		0	0	125
Constellation Energy Group	COM	21037T109	8,612	43	SH		SOLE		0	0	43
Consumer Discret Sel Sect SPDR ETF	ETF	81369Y407	40,493	222	SH		SOLE		0	0	222
Consumer Staples Select Sector SPDR ETF	ETF	81369Y308	58,048	758	SH		SOLE		0	0	758
Copart Inc	COM	217204106	650	12	SH		SOLE		0	0	12
Core Laboratories	COM	21867A105	8,522	420	SH		SOLE		0	0	420
Coresite Rlty Corp Com	COM	03073E105	84,488	375	SH		SOLE		0	0	375
Corteva Inc	COM	22052L104	50,364	934	SH		SOLE		0	0	934
Costco Wholesale Corp	COM	22160K105	1,679,580	1,976	SH		SOLE		0	0	1,976
Coty Inc	COM	222070203	461	46	SH		SOLE		0	0	46
Cricut Inc	COM	22658D100	2,043	341	SH		SOLE		0	0	341
Crowdstrike Hldgs Inc	COM	22788C105	13,412	35	SH		SOLE		0	0	35
CSX Corp	COM	126408103	27,161	812	SH		SOLE		0	0	812
Cummins Inc	COM	231021106	1,662	6	SH		SOLE		0	0	6
CVS Caremark Corp	COM	126650100	11,576	196	SH		SOLE		0	0	196
D R Horton Co	COM	23331A109	8,033	57	SH		SOLE		0	0	57
Danaher Corp	COM	235851102	111,183	445	SH		SOLE		0	0	445
Defiance Quantum ETF	ETF	26922A420	126	2	SH		SOLE		0	0	2
Delivery Hero SE	COM	24701M103	361	157	SH		SOLE		0	0	157
Dell Inc	COM	24703L202	100,398	728	SH		SOLE		0	0	728
Deutsche Bank New	COM	D18190898	3,331	209	SH		SOLE		0	0	209
Devon Energy Corp	COM	25179M103	51	1	SH		SOLE		0	0	1
DexCom Inc	COM	252131107	3,628	32	SH		SOLE		0	0	32
DFA Dimensional US Marketwide Value ETF	ETF	25434V724	8,407,749	214,101	SH		SOLE		0	0	214,101
DFA TA World ex US Core Equity I	ETF	25434V880	94,306	3,710	SH		SOLE		0	0	3,710
DFA Tax-Managed International Value	ETF	25434V807	2,792,619	77,702	SH		SOLE		0	0	77,702
Diadexus Inc New Com New	COM	25245P205	0	6	SH		SOLE		0	0	6
Diamonds TRUST Series I	ETF	78467X109	129,799	332	SH		SOLE		0	0	332
Digital Realty Trust Inc	COM	253868103	26,609	175	SH		SOLE		0	0	175
Dimensional Emerging Core Equity Mkt ETF	ETF	25434V302	56,196,221	2,172,254	SH		SOLE		0	0	2,172,254
Dimensional Global Real Estate ETF	ETF	25434V658	54,484,899	2,180,268	SH		SOLE		0	0	2,180,268
Dimensional Inflation-Protected Sec ETF	ETF	25434V856	34,751	851	SH		SOLE		0	0	851
Dimensional International Equity Mkt ETF	ETF	25434V203	47,630,399	1,605,339	SH		SOLE		0	0	1,605,339
Dimensional International High Pbly ETF	ETF	25434V765	132,548	5,036	SH		SOLE		0	0	5,036
Dimensional International Sstby Cr 1 ETF	ETF	25434V690	1,351,276	41,022	SH		SOLE		0	0	41,022
Dimensional Intl Small Cap Value ETF	ETF	25434V781	23,515	874	SH		SOLE		0	0	874
Dimensional U.S. Core Equity 2 ETF	ETF	25434V708	243,005,888	7,537,403	SH		SOLE		0	0	7,537,403
Dimensional U.S. Core Equity Market ETF	ETF	25434V104	18,917,738	504,608	SH		SOLE		0	0	504,608
Dimensional U.S. Small Cap ETF	ETF	25434V500	1,727,663	28,756	SH		SOLE		0	0	28,756
Dimensional U.S. Targeted Value ETF	ETF	25434V609	113,492	2,188	SH		SOLE		0	0	2,188
Direxion Daily S&P500 Bull 3X ETF	ETF	25459W862	313,466	2,146	SH		SOLE		0	0	2,146
Disco Corp	COM	25461D100	6,181	161	SH		SOLE		0	0	161
Discover Financial Services LLC	COM	254709108	23,546	180	SH		SOLE		0	0	180
Dow Chemical Co	COM	260557103	2,653	50	SH		SOLE		0	0	50
Duke Energy Corp	COM	26441C204	12,328	123	SH		SOLE		0	0	123
Dupont De Nemours Inc	COM	26614N102	7,566	94	SH		SOLE		0	0	94
Eaton Corp	COM	G29183103	6,271	20	SH		SOLE		0	0	20
Ecolab Inc	COM	278865100	19,754	83	SH		SOLE		0	0	83
Edgewell Pers Care Co Com	COM	28035Q102	17,724	441	SH		SOLE		0	0	441
Edison International	COM	281020107	14,362	200	SH		SOLE		0	0	200
Edwards Lifesciences Cp	COM	28176E108	131,627	1,425	SH		SOLE		0	0	1,425
Elevance Health, Inc.	COM	036752103	188,701	348	SH		SOLE		0	0	348
Eli Lilly & Co	COM	532457108	1,030,332	1,138	SH		SOLE		0	0	1,138
Emerson Electric Co	COM	291011104	39,547	359	SH		SOLE		0	0	359
Energizer Holding Inc	COM	29272W109	13,027	441	SH		SOLE		0	0	441
Ensign Group Inc	COM	29358P101	6,544	53	SH		SOLE		0	0	53
Enterprise Products Partners	COM	293792107	447,748	15,450	SH		SOLE		0	0	15,450
Epam Systems Inc	COM	29414B104	188	1	SH		SOLE		0	0	1
Epiroc Aktiebolag	COM	29429L105	3,459	174	SH		SOLE		0	0	174
Equity Residential	COM	29476L107	17,335	250	SH		SOLE		0	0	250
Essex Properties Trust Inc	COM	297178105	56,345	207	SH		SOLE		0	0	207
ETFs Gold Trust ETF	ETF	00326A104	667	30	SH		SOLE		0	0	30
Everest Re Group Ltd	COM	G3223R108	2,286	6	SH		SOLE		0	0	6
EVgo, Inc.	COM	30052F100	149	61	SH		SOLE		0	0	61
Evolution Gaming Group	COM	30051E104	3,129	30	SH		SOLE		0	0	30
Expedia Inc	COM	30212P303	48,128	382	SH		SOLE		0	0	382
Exxon Mobil Corp	COM	30231G102	459,674	3,993	SH		SOLE		0	0	3,993
Fair Isaac Inc	COM	303250104	4,466	3	SH		SOLE		0	0	3
Fastenal Co	COM	311900104	4,399	70	SH		SOLE		0	0	70
Fedex Corp	COM	31428X106	53,372	178	SH		SOLE		0	0	178
Ferguson PLC	COM	G3421J106	4,454	23	SH		SOLE		0	0	23
Ferrari N V Shs Isin nl0011585146	COM	N3167Y103	1,633	4	SH		SOLE		0	0	4
Fidelity Enhanced Large Cap Core ETF	ETF	316092113	7,122	233	SH		SOLE		0	0	233
Fidelity MSCI Energy ETF	ETF	316092402	27,928	1,113	SH		SOLE		0	0	1,113
Fidelity Msci Health Care Index Etf	ETF	316092600	28,015	408	SH		SOLE		0	0	408
Fidelity MSCI Information Tech ETF	ETF	316092808	258,042	1,504	SH		SOLE		0	0	1,504
Fidelity MSCI Materials Index ETF	ETF	316092881	84,959	1,719	SH		SOLE		0	0	1,719
Fidelity National Financial Inc	COM	31620R303	7,561	153	SH		SOLE		0	0	153
Fidelity Total Bond Etf	ETF	316188309	93,679	2,085	SH		SOLE		0	0	2,085
Fidelity Wise Origin Bitcoin ETF	ETF	315948109	4,871	93	SH		SOLE		0	0	93
Fifth Third Bancorp	COM	316773100	4,999	137	SH		SOLE		0	0	137
Financial Select Sector SPDR ETF	ETF	81369Y605	44,563	1,084	SH		SOLE		0	0	1,084
First Republic Bank	COM	33616C100	12	614	SH		SOLE		0	0	614
First Solar Inc	COM	336433107	6,764	30	SH		SOLE		0	0	30
First Tr Exchange Traded Fd Ny Arca Biot	ETF	33733E203	56,822	369	SH		SOLE		0	0	369
First Trust Energy Income Ptnrs Enh Inc ETF	ETF	33740F276	153,175	8,245	SH		SOLE		0	0	8,245
First Trust North American Energy Infrastructure ETF	ETF	33738D101	1,941,483	63,739	SH		SOLE		0	0	63,739
FlexShares Morningstar U.S. Market Factors Tilt ETF	ETF	33939L100	1,317,484	6,592	SH		SOLE		0	0	6,592
Ford Motor Co	COM	345370860	18,434	1,470	SH		SOLE		0	0	1,470
Fortescue Metls	COM	34959A206	3,896	136	SH		SOLE		0	0	136
Fortinet Inc	COM	34959E109	2,109	35	SH		SOLE		0	0	35
Fortive Corporation	COM	34959J108	7,410	100	SH		SOLE		0	0	100
Fortrea Holdings Inc	COM	34965K107	2,918	125	SH		SOLE		0	0	125
Franklin Resources Inc	COM	354613101	31,715	1,419	SH		SOLE		0	0	1,419
Franks International	COM	337738108	80,929	543	SH		SOLE		0	0	543
Freeport McMoran Copper & Gold Inc	COM	35671D857	6,367	131	SH		SOLE		0	0	131
Fresenius Medical Care	COM	358029106	458	24	SH		SOLE		0	0	24
FS KKR Capital Corp	COM	302635206	3,709	188	SH		SOLE		0	0	188
Funko Inc Com Cl A	COM	361008105	98	10	SH		SOLE		0	0	10
Gap Inc	COM	364760108	15,433	646	SH		SOLE		0	0	646
GE HealthCare Technologies Inc.	COM	36266G107	3,584	46	SH		SOLE		0	0	46
Ge Vernova Llc Com	COM	36828A101	10,805	63	SH		SOLE		0	0	63
General Electric Co	COM	369604301	50,711	319	SH		SOLE		0	0	319
General Mills Inc	COM	370334104	13,099	207	SH		SOLE		0	0	207
General Moly	COM	370373102	0	2,190	SH		SOLE		0	0	2,190
General Motors Corp	COM	37045V100	511	11	SH		SOLE		0	0	11
GenTech Holdings Inc	COM	37253Y101	0	1,170,000	SH		SOLE		0	0	1,170,000
Global X Fds Rbtcs Artfl Inte	ETF	37954Y715	37,020	1,200	SH		SOLE		0	0	1,200
Goldman Sachs Group Inc	COM	38141G104	5,428	12	SH		SOLE		0	0	12
GraniteShares 2x Long NVDA Daily ETF	ETF	38747R827	34,775	500	SH		SOLE		0	0	500
Groupe Bruxelles Lambert SA	COM	399457100	259	31	SH		SOLE		0	0	31
Guggenheim S&P 500 Equal Weight	ETF	46137V357	8,050	49	SH		SOLE		0	0	49
Hang Lung Properties Ltd	COM	41043M104	691	165	SH		SOLE		0	0	165
Hartford Financial Services Group Inc	COM	416515104	402	4	SH		SOLE		0	0	4
Health Care Select Sector SPDR ETF	ETF	81369Y209	51,304	352	SH		SOLE		0	0	352
Heidelbergcement Ag	COM	42281P205	1,281	62	SH		SOLE		0	0	62
Hercules Technology Growth Capital	COM	427096508	153,477	7,505	SH		SOLE		0	0	7,505
Hereuare Inc Xxx	COM	427177100	0	35	SH		SOLE		0	0	35
Hermes Interntnl Sca	COM	42751Q105	10,622	46	SH		SOLE		0	0	46
Hershey Foods Corp	COM	427866108	140,018	762	SH		SOLE		0	0	762
Hewlett Packard Ente	COM	42824C109	6,520	308	SH		SOLE		0	0	308
Hewlett-Packard Co	COM	40434L105	36,106	1,031	SH		SOLE		0	0	1,031
HF Sinclair Corporation	COM	403949100	1,974	37	SH		SOLE		0	0	37
Home Depot Inc	COM	437076102	387,270	1,125	SH		SOLE		0	0	1,125
Honda Motor Co Ltd	COM	438128308	2,289	71	SH		SOLE		0	0	71
Honeywell International	COM	438516106	37,370	175	SH		SOLE		0	0	175
Hoya Corporation	COM	443251103	4,565	39	SH		SOLE		0	0	39
Humana Inc	COM	444859102	747	2	SH		SOLE		0	0	2
Iac/Interactive Corp	COM	44891N208	17,897	382	SH		SOLE		0	0	382
Illinois Tool Works Inc	COM	452308109	38,388	162	SH		SOLE		0	0	162
Imperial Oil Ltd	COM	453038408	3,140	46	SH		SOLE		0	0	46
Industria De Diseno Te	COM	455793109	5,144	207	SH		SOLE		0	0	207
Industrial Select Sector SPDR ETF	ETF	81369Y704	35,220	289	SH		SOLE		0	0	289
Inpex Corp	COM	45790H101	2,205	150	SH		SOLE		0	0	150
Intel Corp	COM	458140100	52,649	1,700	SH		SOLE		0	0	1,700
IntercontinentalExchange	COM	45866F104	9,582	70	SH		SOLE		0	0	70
International Business Machines	COM	459200101	220,429	1,275	SH		SOLE		0	0	1,275
Intuit Inc	COM	461202103	13,144	20	SH		SOLE		0	0	20
Inventrust Pptys Corp	COM	46124J201	0	0	SH		SOLE		0	0	0
Invesco Dow Jones	ETF	46137V605	10,462	221	SH		SOLE		0	0	221
Invesco Exchng Traded Fd Tr II Ftse Rafi	ETF	46138E735	145,826	4,512	SH		SOLE		0	0	4,512
Invesco NASDAQ Next Gen 100 ETF	ETF	46138G631	474	17	SH		SOLE		0	0	17
Invesco QQQ Trust	ETF	46090E103	1,780,299	3,716	SH		SOLE		0	0	3,716
Invesco S&P 500 Equal Weight Tech ETF	ETF	46137V282	208,365	5,684	SH		SOLE		0	0	5,684
Invesco Taxable Municipal Bond ETF	ETF	46138G805	439,860	16,674	SH		SOLE		0	0	16,674
Invesco Water Resources ETF	ETF	46137V142	49,656	765	SH		SOLE		0	0	765
Invesco Zacks Multi-Asset Income ETF	ETF	46137Y500	251	10	SH		SOLE		0	0	10
Iron Mountain Inc	COM	46284V101	80,658	900	SH		SOLE		0	0	900
iShares 0-5 Year Tips	ETF	46429B747	8,660	87	SH		SOLE		0	0	87
iShares 1-3 Year Treasury Bond ETF	ETF	464287457	270,163	3,309	SH		SOLE		0	0	3,309
iShares 1-5 yr Inv Grd Corp ETF	ETF	464288646	121,131	2,364	SH		SOLE		0	0	2,364
iShares 3-7 Year Trery	ETF	464288661	43,763	379	SH		SOLE		0	0	379
iShares Barclays 20 Year Treasury Bond	ETF	464287432	367	4	SH		SOLE		0	0	4
iShares Barclays Aggregate Bond	ETF	464287226	1,309,086	13,486	SH		SOLE		0	0	13,486
iShares Barclays MBS Bond Fund	ETF	464288588	8,447	92	SH		SOLE		0	0	92
iShares Broad Usd Hg Yld	ETF	46435U853	127,343	3,510	SH		SOLE		0	0	3,510
iShares Calif Amt Free	ETF	464288356	1,132,405	19,909	SH		SOLE		0	0	19,909
iShares Core High Dividend ETF	ETF	46429B663	115,510	1,063	SH		SOLE		0	0	1,063
iShares Core MSCI EAFE ETF	ETF	46432F842	218,283	3,005	SH		SOLE		0	0	3,005
iShares Core MSCI Emerging Markets ETF	ETF	46434G103	2,298,792	42,944	SH		SOLE		0	0	42,944
iShares Core MSCI Total Int'l Stock Index	ETF	46432F834	362,847	5,371	SH		SOLE		0	0	5,371
iShares Core S&P 500 ETF	ETF	464287200	26,908,416	49,172	SH		SOLE		0	0	49,172
iShares Core S&P Small-Cap ETF	ETF	464287804	3,283,856	30,788	SH		SOLE		0	0	30,788
iShares Core S&P Total US Stock Market E	ETF	464287150	162,799	1,371	SH		SOLE		0	0	1,371
iShares Core US REIT ETF	ETF	464288521	205,563	3,838	SH		SOLE		0	0	3,838
iShares Dow Jones	ETF	464287721	366,167	2,433	SH		SOLE		0	0	2,433
iShares Dow Jones Select Dividend	ETF	464287168	673,617	5,568	SH		SOLE		0	0	5,568
iShares Dow Jones US Real Estate	ETF	464287739	114,647	1,307	SH		SOLE		0	0	1,307
iShares ESG 1-5 Year USD Corp Bd ETF	ETF	46435G243	11,301,847	461,488	SH		SOLE		0	0	461,488
iShares ESG Aware MSCI USA ETF	ETF	46435G425	7,323,976	61,381	SH		SOLE		0	0	61,381
iShares ESG MSCI USA Leaders ETF	ETF	46435U218	1,164,383	11,951	SH		SOLE		0	0	11,951
iShares ESG U.S. Aggregate Bond ETF	ETF	46435U549	26,148,304	561,002	SH		SOLE		0	0	561,002
Ishares Global Reit Etf	ETF	46434V647	227,525	9,786	SH		SOLE		0	0	9,786
iShares Gold Trust	ETF	464285204	30,751	700	SH		SOLE		0	0	700
iShares High Yield Systematic Bond ETF	ETF	46435G250	380,947	8,203	SH		SOLE		0	0	8,203
iShares iBoxx $ High Yield Corporate Bond	ETF	464288513	258,728	3,354	SH		SOLE		0	0	3,354
IShares Intermediate-Term Corp Bd ETF	ETF	464288638	2,512	49	SH		SOLE		0	0	49
iShares International Dev Prpty ETF	ETF	464288422	3,556	136	SH		SOLE		0	0	136
iShares JP Morgan EM Bond	ETF	464288281	44,328	501	SH		SOLE		0	0	501
iShares Lehman 7-10 Year Treasury	ETF	464287440	1,405	15	SH		SOLE		0	0	15
iShares Lehman Tips	ETF	464287176	30,975	290	SH		SOLE		0	0	290
Ishares Msci Acwi Etf	ETF	464288257	9,554	85	SH		SOLE		0	0	85
iShares MSCI Canada Index	ETF	464286509	100,699	2,715	SH		SOLE		0	0	2,715
iShares MSCI EAFE ESG ETF	ETF	46435G516	8,924,627	113,285	SH		SOLE		0	0	113,285
iShares MSCI EAFE ETF	ETF	464287465	1,931,207	24,655	SH		SOLE		0	0	24,655
iShares MSCI EAFE Small-Cap ETF	ETF	464288273	48,387	785	SH		SOLE		0	0	785
iShares MSCI EAFE Value ETF	ETF	464288877	200,809	3,786	SH		SOLE		0	0	3,786
iShares MSCI Emerging Markets	ETF	464287234	334,873	7,863	SH		SOLE		0	0	7,863
iShares MSCI Emerging Markets ESG ETF	ETF	46434G863	15,953,024	475,784	SH		SOLE		0	0	475,784
iShares MSCI Intl Quality Factor	ETF	46434V456	13,941	357	SH		SOLE		0	0	357
Ishares Msci Intl Value	ETF	46435G409	14,818	540	SH		SOLE		0	0	540
iShares MSCI Japan Index	COM	46434G822	127,677	1,871	SH		SOLE		0	0	1,871
iShares MSCI Pacific ex Japan	ETF	464286665	24,467	569	SH		SOLE		0	0	569
iShares MSCI UK Index	COM	46435G334	52,111	1,494	SH		SOLE		0	0	1,494
Ishares Msci Usa	ETF	46434V290	7,284	119	SH		SOLE		0	0	119
iShares MSCI USA Quality Factor ETF	ETF	46432F339	29,730,983	174,110	SH		SOLE		0	0	174,110
iShares MSCI USA Value Factor ETF	ETF	46432F388	27,934	270	SH		SOLE		0	0	270
iShares NASDAQ Biotech	ETF	464287556	12,353	90	SH		SOLE		0	0	90
iShares Russell 1000 Growth	ETF	464287614	981,975	2,694	SH		SOLE		0	0	2,694
iShares Russell 1000 Index	ETF	464287622	18,088,553	60,794	SH		SOLE		0	0	60,794
iShares Russell 1000 Value Index	ETF	464287598	2,889,508	16,562	SH		SOLE		0	0	16,562
iShares Russell 2000 Index	ETF	464287655	1,208,526	5,957	SH		SOLE		0	0	5,957
iShares Russell 2000 Value Index	ETF	464287630	44,863	295	SH		SOLE		0	0	295
iShares Russell 3000 Index	ETF	464287689	189,414	614	SH		SOLE		0	0	614
iShares Russell Microcap Index	ETF	464288869	283,114	2,483	SH		SOLE		0	0	2,483
iShares Russell Midcap Blend	ETF	464287499	525,350	6,479	SH		SOLE		0	0	6,479
Ishares Russell Top 200 ETF	ETF	464289446	22,772	170	SH		SOLE		0	0	170
Ishares Russell Top 200 Growth ETF	ETF	464289438	28,960	135	SH		SOLE		0	0	135
iShares S&P 100 Index	ETF	464287101	959,996	3,632	SH		SOLE		0	0	3,632
iShares S&P 400 Growth	ETF	464287606	87,229	990	SH		SOLE		0	0	990
iShares S&P 500/BARRA Value Index	ETF	464287408	137,782	757	SH		SOLE		0	0	757
iShares S&P 600 Growth	ETF	464287887	79,627	620	SH		SOLE		0	0	620
iShares S&P GSCI Commodity-Indexed Trust	ETF	46428R107	5,316	240	SH		SOLE		0	0	240
iShares S&P Midcap 400 Index	ETF	464287507	4,258,215	72,765	SH		SOLE		0	0	72,765
iShares S&P Midcap 400/BARRA Value	ETF	464287705	954,618	8,414	SH		SOLE		0	0	8,414
iShares S&P National AMT-Free Muni	ETF	464288414	7,866,480	73,829	SH		SOLE		0	0	73,829
iShares S&P Smallcap 600/BARRA Value Index	ETF	464287879	60,972	627	SH		SOLE		0	0	627
iShares Short-Term National Muni Bd ETF	ETF	464288158	3,852,852	36,852	SH		SOLE		0	0	36,852
iShares SP 500 Growth Index	ETF	464287309	588,925	6,364	SH		SOLE		0	0	6,364
iShares Total US Bond ETF	ETF	46434V613	132,815,316	2,937,092	SH		SOLE		0	0	2,937,092
Ishares Tr Cohen & Steer	ETF	464287564	396,390	6,919	SH		SOLE		0	0	6,919
Ishares Tr Msci Kld400 Soc	ETF	464288570	328,166	3,160	SH		SOLE		0	0	3,160
iShares Treasury Floating Rate Bond ETF	ETF	46434V860	746,374	14,733	SH		SOLE		0	0	14,733
iShares Trust - iShares Core U.S. Value ETF	ETF	464287663	541,675	6,146	SH		SOLE		0	0	6,146
Japan Airls Ltd	COM	471038109	1,053	134	SH		SOLE		0	0	134
JM Smuckers Co	COM	832696405	2,181	20	SH		SOLE		0	0	20
Johnson & Johnson	COM	478160104	1,033,198	7,069	SH		SOLE		0	0	7,069
Johnson Controls International plc	COM	G51502105	10,901	164	SH		SOLE		0	0	164
Jones Lang Lasalle Inc	COM	48020Q107	1,026	5	SH		SOLE		0	0	5
JP Morgan Chase & Co	COM	48128B655	7,644	307	SH		SOLE		0	0	307
JP Morgan Chase & Co	COM	46625H100	487,712	2,411	SH		SOLE		0	0	2,411
JPMorgan BetaBuilders Europe ETF	COM	46641Q191	824	14	SH		SOLE		0	0	14
JPMorgan US Quality Factor ETF	ETF	46641Q761	903,274	17,059	SH		SOLE		0	0	17,059
Kenvue	COM	49177J102	5,836	321	SH		SOLE		0	0	321
Keysight Technologies Inc Com	COM	49338L103	2,598	19	SH		SOLE		0	0	19
Kimberly-Clark Corp	COM	494368103	24,185	175	SH		SOLE		0	0	175
Kinder Morgan Inc	COM	49456B101	1,073	54	SH		SOLE		0	0	54
KLA Tencor Corp	COM	482480100	5,772	7	SH		SOLE		0	0	7
Koninklijke Ahold Nv	COM	500467501	3,965	134	SH		SOLE		0	0	134
Kose Corp	COM	500679105	1,282	101	SH		SOLE		0	0	101
Kraft Heinz Co Com Stk	COM	500754106	322	10	SH		SOLE		0	0	10
Kroger Co	COM	501044101	20,122	403	SH		SOLE		0	0	403
Kuehne & Nagel Internt	COM	501187108	3,104	54	SH		SOLE		0	0	54
L3Harris Technologies Inc	COM	502431109	67,374	300	SH		SOLE		0	0	300
Laboratory Corp Of America Holdings	COM	504922105	25,439	125	SH		SOLE		0	0	125
Lam Research Corp	COM	512807108	17,038	16	SH		SOLE		0	0	16
Lehman Bros Holding Ixxx (NV)	COM	524ESC100	0	3,591	SH		SOLE		0	0	3,591
Lennar Corp	COM	526057104	2,398	16	SH		SOLE		0	0	16
Let Lease Office Properties	COM	64110Y108	148	6	SH		SOLE		0	0	6
Liberty Media Corporation	COM	531229854	12,428	173	SH		SOLE		0	0	173
Linde plc	COM	G54950103	15,358	35	SH		SOLE		0	0	35
Lockheed Martin Corp	COM	539830109	200,386	429	SH		SOLE		0	0	429
Loews Corp	COM	540424108	374	5	SH		SOLE		0	0	5
Lowes Companies Inc	COM	548661107	119,363	541	SH		SOLE		0	0	541
Lululemon Athletica	COM	550021109	89,610	300	SH		SOLE		0	0	300
LyondellBasell Industries	COM	N53745100	6,122	64	SH		SOLE		0	0	64
M & T Bank Corp	COM	55261F104	454	3	SH		SOLE		0	0	3
Maplebear Inc	COM	565394103	5,528	172	SH		SOLE		0	0	172
Marathon Oil	COM	565849106	11,296	394	SH		SOLE		0	0	394
Marathon Petroleum Corp	COM	56585A102	694	4	SH		SOLE		0	0	4
Market Vectors High Yield Muni ETF	ETF	92189H409	26,991,177	522,578	SH		SOLE		0	0	522,578
Market Vectors Intermediate Muni ETF	ETF	92189H201	531,790	11,601	SH		SOLE		0	0	11,601
Mastercard Inc	COM	57636Q104	108,525	246	SH		SOLE		0	0	246
Materials Select Sector SPDR ETF	ETF	81369Y100	19,693	223	SH		SOLE		0	0	223
Mazda Motors Corp	COM	578787103	2,328	483	SH		SOLE		0	0	483
McDonalds Corp	COM	580135101	688,323	2,701	SH		SOLE		0	0	2,701
McKesson Corp	COM	58155Q103	1,168	2	SH		SOLE		0	0	2
Merck Inc	COM	58933Y105	652,937	5,274	SH		SOLE		0	0	5,274
Meta Platforms Inc	COM	30303M102	601,556	1,193	SH		SOLE		0	0	1,193
Metlife Inc	COM	59156R108	1,685	24	SH		SOLE		0	0	24
Microchip Technology Inc	COM	595017104	83,448	912	SH		SOLE		0	0	912
Micron Technology Inc	COM	595112103	8,286	63	SH		SOLE		0	0	63
Microsoft Corp	COM	594918104	11,319,213	25,325	SH		SOLE		0	0	25,325
Mid Cap SPDR Trust	ETF	78467Y107	598,871	1,119	SH		SOLE		0	0	1,119
Mitsubishi Electric	COM	606776201	3,057	95	SH		SOLE		0	0	95
Molina Healthcare	COM	60855R100	3,568	12	SH		SOLE		0	0	12
Molson Coors Brewing Co	COM	60871R209	254	5	SH		SOLE		0	0	5
MoneyLion Inc	COM	60938K304	238,270	3,240	SH		SOLE		0	0	3,240
NetApp, Inc	COM	64110D104	122,860	954	SH		SOLE		0	0	954
Netflix Inc	COM	64110L106	76,261	113	SH		SOLE		0	0	113
News Corp	COM	65249B208	1,874	66	SH		SOLE		0	0	66
News Corp	COM	65249B109	1,902	69	SH		SOLE		0	0	69
NextEra Energy Inc	COM	65339F101	106,646	1,506	SH		SOLE		0	0	1,506
Nike Inc	COM	654106103	307,435	4,079	SH		SOLE		0	0	4,079
Nippon Steel Corporation	COM	65461T101	3,493	489	SH		SOLE		0	0	489
Nippon Telegraph & Telephone Corp	COM	654624105	3,697	156	SH		SOLE		0	0	156
Noble International	COM	74348A467	60,081	625	SH		SOLE		0	0	625
Norfolk Southern Corp	COM	655844108	183,938	857	SH		SOLE		0	0	857
Northern Trust Corp	COM	665859104	12,597	150	SH		SOLE		0	0	150
Northrop Grumman Corp	COM	666807102	18,310	42	SH		SOLE		0	0	42
Nucor Corp	COM	670346105	135,316	856	SH		SOLE		0	0	856
Nvidia Corp	COM	67066G104	2,649,579	21,447	SH		SOLE		0	0	21,447
NXP Semiconductors NV	COM	N6596X109	8,880	33	SH		SOLE		0	0	33
Omeros Corp	COM	682143102	5,075	1,250	SH		SOLE		0	0	1,250
Oneok Inc	COM	682680103	578,143	7,089	SH		SOLE		0	0	7,089
Oracle Corp	COM	68389X105	871,345	6,171	SH		SOLE		0	0	6,171
Organon & Co.	COM	68622V106	927	45	SH		SOLE		0	0	45
Orion Office REIT Inc.	COM	68629Y103	101	28	SH		SOLE		0	0	28
Owens Corning	COM	690742101	6,428	37	SH		SOLE		0	0	37
Paccar Inc	COM	693718108	184,880	1,796	SH		SOLE		0	0	1,796
Pacer US Cash Cows 100 ETF	ETF	69374H881	5,340	98	SH		SOLE		0	0	98
Pacer US Small Cap Cash Cows 100 ETF	ETF	69374H857	3,964	91	SH		SOLE		0	0	91
Palantir Technologies Inc Ordinary Shares - Class A	COM	69608A108	39,920	1,576	SH		SOLE		0	0	1,576
Pan American Silv 29 Rtf (NV)	COM	697900132	324	700	SH		SOLE		0	0	700
Panamsat Corp New Xxx	COM	69830x108	1,569	5	SH		SOLE		0	0	5
Paragon Offshore Plc	COM	G6S01W108	0	97	SH		SOLE		0	0	97
Paramount Global	COM	92556H206	291	28	SH		SOLE		0	0	28
Paypal Hldgs Inc Com	COM	70450Y103	2,902	50	SH		SOLE		0	0	50
Pbf Energy Inc Cl A	COM	69318G106	1,749	38	SH		SOLE		0	0	38
Peloton Interactive Inc	COM	70614W100	338	100	SH		SOLE		0	0	100
Pennant Group Inc	COM	70805E109	603	26	SH		SOLE		0	0	26
PepsiCo Inc	COM	713448108	336,223	2,039	SH		SOLE		0	0	2,039
Pfizer Inc	COM	717081103	149,161	5,331	SH		SOLE		0	0	5,331
PG&E Corp	COM	69331C108	2,008	115	SH		SOLE		0	0	115
Philip Morris International	COM	718172109	30,399	300	SH		SOLE		0	0	300
Phillips Inc	COM	718546104	44,469	315	SH		SOLE		0	0	315
Planet 13 Holdings Inc	COM	72707C108	235	500	SH		SOLE		0	0	500
PNC Financial Services Group Inc	COM	693475105	30,630	197	SH		SOLE		0	0	197
Powershares DB Commodity Index	ETF	46138B103	39,491	1,700	SH		SOLE		0	0	1,700
Powershares Emerging Markets Debt ETF	ETF	46138E784	2,322,190	116,110	SH		SOLE		0	0	116,110
Powershares FTSE RAFI 1500 Small-Mid ETF	ETF	46137V597	3,121,714	81,849	SH		SOLE		0	0	81,849
Powershares FTSE RAFI Dev Markets ex-US	ETF	46138E743	1,977,188	40,616	SH		SOLE		0	0	40,616
Powershares FTSE RAFI US 1000 ETF	ETF	46137V613	8,432,048	222,188	SH		SOLE		0	0	222,188
Powershares Info Tech ETF	ETF	46138E115	21,015	450	SH		SOLE		0	0	450
Powershares Nasdaq Internet	ETF	46137V530	315,341	7,680	SH		SOLE		0	0	7,680
PowerShares S&P Low Volatility	ETF	46138E354	64,950	1,000	SH		SOLE		0	0	1,000
PPL Corp	COM	69351T106	359	13	SH		SOLE		0	0	13
Principal Financial Group	COM	74251V102	37,421	477	SH		SOLE		0	0	477
Procter & Gamble Co	COM	742718109	766,515	4,648	SH		SOLE		0	0	4,648
Progressive Corp	COM	743315103	8,724	42	SH		SOLE		0	0	42
Proshares Bitcoin ETF	ETF	74347G440	8,658	385	SH		SOLE		0	0	385
ProShares UltraPro QQQ	ETF	74347X831	148	2	SH		SOLE		0	0	2
Prudential Financial Inc	COM	744320102	1,289	11	SH		SOLE		0	0	11
Public Service Enterprise Group	COM	744573106	71,931	976	SH		SOLE		0	0	976
PulteGroup Inc	COM	745867101	2,422	22	SH		SOLE		0	0	22
Qsound Labs Inc Com Npv	COM	74728C307	0	50	SH		SOLE		0	0	50
Qualcomm Inc	COM	747525103	111,740	561	SH		SOLE		0	0	561
Quanta Services Inc	COM	74762E102	25,409	100	SH		SOLE		0	0	100
Quest Diagnostic Inc	COM	74834L100	26,692	195	SH		SOLE		0	0	195
Raytheon Technologies Co	COM	75513E101	12,549	125	SH		SOLE		0	0	125
Realty Income Corp	COM	756109104	789,553	14,948	SH		SOLE		0	0	14,948
Regal Rexnord Corp Com Stk Usd0.01	COM	758750103	299,768	2,217	SH		SOLE		0	0	2,217
Regeneron Pharmaceuticals Inc	COM	75886F107	2,102	2	SH		SOLE		0	0	2
Regions Financial Corp	COM	7591EP100	741	37	SH		SOLE		0	0	37
Reinsurance Group Of America	COM	759351604	3,284	16	SH		SOLE		0	0	16
Reliance Steel & Aluminum Co	COM	759509102	3,713	13	SH		SOLE		0	0	13
Renesas Electrs Co	COM	75972B101	1,580	166	SH		SOLE		0	0	166
Rivian Automotive Inc	COM	76954A103	21,069	1,570	SH		SOLE		0	0	1,570
Robert Half International Inc	COM	770323103	2,943	46	SH		SOLE		0	0	46
Roblox Corp Ordinary Shares - Class A	COM	771049103	223	6	SH		SOLE		0	0	6
Rockwell Automation Inc	COM	773903109	115,342	419	SH		SOLE		0	0	419
Royal Carribean Cruises	COM	V7780T103	638	4	SH		SOLE		0	0	4
S & P Global Inc	COM	78409V104	2,676	6	SH		SOLE		0	0	6
Sage Group PLC	COM	78663S201	3,084	56	SH		SOLE		0	0	56
Salesforce.com	COM	79466L302	20,568	80	SH		SOLE		0	0	80
Schlumberger NV	COM	806857108	3,963	84	SH		SOLE		0	0	84
Schw Intl Scap Etf	ETF	808524888	1,139	32	SH		SOLE		0	0	32
Schwab 1000 ETF	ETF	808524722	41,799	799	SH		SOLE		0	0	799
Schwab Emerging Market Equities ETF	ETF	808524706	118,342	4,456	SH		SOLE		0	0	4,456
Schwab Fundamental Int'l Lg Co ETF	ETF	808524755	267,454	7,635	SH		SOLE		0	0	7,635
Schwab International Equity ETF	ETF	808524805	450,974	11,738	SH		SOLE		0	0	11,738
Schwab Short-Term US Treasury ETF	ETF	808524862	11,753	244	SH		SOLE		0	0	244
Schwab U.S. TIPS	ETF	808524870	81,760	1,572	SH		SOLE		0	0	1,572
Schwab US Broad Market ETF	ETF	808524102	355,607	5,656	SH		SOLE		0	0	5,656
Schwab US Dividend Equity	ETF	808524797	5,030,377	64,691	SH		SOLE		0	0	64,691
Schwab US Large Cap	ETF	808524300	278,720	2,764	SH		SOLE		0	0	2,764
Schwab US Large-Cap ETF	ETF	808524201	676,856	10,535	SH		SOLE		0	0	10,535
Schwab US Mid Cap Etf	ETF	808524508	108,495	1,394	SH		SOLE		0	0	1,394
Schwab US REIT ETF	ETF	808524847	13,274	665	SH		SOLE		0	0	665
Schwab US Small Cap ETF	ETF	808524607	37,031	780	SH		SOLE		0	0	780
SEI Investments Co	COM	784117103	77,628	1,200	SH		SOLE		0	0	1,200
Sempra Energy	COM	816851109	12,930	170	SH		SOLE		0	0	170
Servicenow Inc Com	COM	81762P102	62,934	80	SH		SOLE		0	0	80
Siemens AG	COM	826197501	9,325	100	SH		SOLE		0	0	100
Simon Property Group Inc	COM	828806109	16,546	109	SH		SOLE		0	0	109
Skyworks Solutions Inc	COM	83088M102	30,695	288	SH		SOLE		0	0	288
Solventum Corp	COM	83444M101	18,667	353	SH		SOLE		0	0	353
Sony Group Corp	COM	835699307	680	8	SH		SOLE		0	0	8
Southwest Airlines Co.	COM	844741108	4,292	150	SH		SOLE		0	0	150
SPDR Blmbg Barclays 1-3 Mth T-Bill	ETF	78468R663	585,189	6,376	SH		SOLE		0	0	6,376
SPDR Blmbg Barclays High Yield Bd ETF	ETF	78468R622	48,039,174	509,591	SH		SOLE		0	0	509,591
SPDR Bloomberg 3-12 Mth TBill ETF	ETF	78468R523	492,676	4,958	SH		SOLE		0	0	4,958
SPDR Dow Jones Global RE	ETF	78463X749	111,977	2,696	SH		SOLE		0	0	2,696
SPDR Dow Jones REIT	ETF	78464A607	269,213	2,892	SH		SOLE		0	0	2,892
SPDR Gold Shares	ETF	78463V107	26,876	125	SH		SOLE		0	0	125
SPDR Index Shares Fund MSCI ACWI (Ex-Us) ETF	ETF	78463X848	3,737	132	SH		SOLE		0	0	132
SPDR Nuveen Barclays ST Muni Bond ETF	ETF	78468R739	96,545	2,046	SH		SOLE		0	0	2,046
SPDR Nuveen Blmbg Barclays Muni Bd ETF	ETF	78468R721	92,598	2,024	SH		SOLE		0	0	2,024
SPDR Nuveen S&P High Yield Municipal Bond	ETF	78464A284	14,832,179	583,026	SH		SOLE		0	0	583,026
SPDR Portfolio Developed Wld ex-US ETF	ETF	78463X889	8,485	242	SH		SOLE		0	0	242
SPDR Portfolio Intermediate Term Corporate Bond ETF	ETF	78464A375	26,048	800	SH		SOLE		0	0	800
SPDR Portfolio S&P 500 Value ETF	ETF	78464A508	82,503	1,693	SH		SOLE		0	0	1,693
SPDR Portfolio Short Term Corporate Bond ETF	ETF	78464A474	145,649	4,904	SH		SOLE		0	0	4,904
SPDR S&P 500 ETF Trust	ETF	78462F103	6,270,281	11,522	SH		SOLE		0	0	11,522
SPDR S&P 500 Growth ETF	ETF	78464A409	451,592	5,636	SH		SOLE		0	0	5,636
SPDR S&P 600 Small Cap	ETF	78464A300	101,147	1,292	SH		SOLE		0	0	1,292
SPDR S&P 600 Small Cap	ETF	78464A201	147,101	1,713	SH		SOLE		0	0	1,713
SPDR S&P Dividend	ETF	78464A763	453,335	3,565	SH		SOLE		0	0	3,565
SPDR S&P Intl Small Cap ETF	ETF	78463X871	683,244	21,526	SH		SOLE		0	0	21,526
SPDR Ser Tr S&P Biotech Etf	ETF	78464A870	75,466	814	SH		SOLE		0	0	814
SPDR Small Cap ETF	ETF	78468R853	63,039	1,518	SH		SOLE		0	0	1,518
SPDR SSGA Gender Diversity ETF	ETF	78468R747	1,139	10	SH		SOLE		0	0	10
Square Inc	COM	852234103	12,898	200	SH		SOLE		0	0	200
Standard Chartered Plc	COM	853254100	3,872	209	SH		SOLE		0	0	209
Starbucks	COM	855244109	618,403	7,944	SH		SOLE		0	0	7,944
State Street Corp	COM	857477103	49,583	670	SH		SOLE		0	0	670
Stellantis NV	COM	N82405106	2,779	140	SH		SOLE		0	0	140
Stryker Corp	COM	863667101	97,652	287	SH		SOLE		0	0	287
Suncor Energy Inc	COM	867224107	4,305	113	SH		SOLE		0	0	113
Swatch Group Ag	COM	870123106	653	64	SH		SOLE		0	0	64
Swire Pacific Ltd	COM	870794302	1,502	169	SH		SOLE		0	0	169
Synchrony Financial	COM	87165B103	519	11	SH		SOLE		0	0	11
Synopsys Inc	COM	871607107	5,951	10	SH		SOLE		0	0	10
T Rowe Price Group Inc	COM	74144T108	26,867	233	SH		SOLE		0	0	233
Take Two Interactive Software	COM	874054109	6,997	45	SH		SOLE		0	0	45
Targa Resources Corp	COM	87612G101	12,200	95	SH		SOLE		0	0	95
Target Corp	COM	87612E106	444	3	SH		SOLE		0	0	3
Techne Corp	COM	09073M104	38,404	536	SH		SOLE		0	0	536
Technology Select Sector SPDR Fund	ETF	81369Y803	377,681	1,669	SH		SOLE		0	0	1,669
Teck Resources Ltd	COM	878742204	5,030	105	SH		SOLE		0	0	105
Tencent Holdings	COM	88032Q109	237	5	SH		SOLE		0	0	5
Teradyne Inc	COM	880770102	3,262	22	SH		SOLE		0	0	22
Tesla Motors Inc	COM	88160R101	134,199	678	SH		SOLE		0	0	678
Texas Instruments Inc	COM	882508104	389	2	SH		SOLE		0	0	2
The Trade Desk Inc	COM	88339J105	4,884	50	SH		SOLE		0	0	50
Thermo Electron Corp	COM	883556102	64,900	117	SH		SOLE		0	0	117
Tilray Inc	COM	88688T100	50	30	SH		SOLE		0	0	30
TJX Companies Inc	COM	872540109	21,800	198	SH		SOLE		0	0	198
T-Mobile US Inc	COM	872590104	171,599	974	SH		SOLE		0	0	974
Toast, Inc.	COM	888787108	9,020	350	SH		SOLE		0	0	350
Tokyo Electron Ltd	COM	889110102	18,834	172	SH		SOLE		0	0	172
Toyota Industries Corporation	COM	892330101	3,409	40	SH		SOLE		0	0	40
Travelers Companies Inc	COM	89417E109	407	2	SH		SOLE		0	0	2
Two Harbors Investment Corp	COM	90187B804	14,871	1,126	SH		SOLE		0	0	1,126
Tyson Foods Inc A	COM	902494103	400	7	SH		SOLE		0	0	7
Ubs Ag	COM	H42097107	10,841	367	SH		SOLE		0	0	367
Unicredit Spa	COM	904678406	13,025	698	SH		SOLE		0	0	698
Union Pacific Corp	COM	907818108	299,342	1,323	SH		SOLE		0	0	1,323
United Parcel Service B	COM	911312106	42,433	310	SH		SOLE		0	0	310
United Rentals Inc	COM	911363109	3,234	5	SH		SOLE		0	0	5
UnitedHealth Group Inc	COM	91324P102	496,508	975	SH		SOLE		0	0	975
UnumProvident Corp	COM	91529Y106	3,987	78	SH		SOLE		0	0	78
US Bancorp	COM	902973304	197,547	4,976	SH		SOLE		0	0	4,976
US Foods Holding Corp	COM	912008109	3,921	74	SH		SOLE		0	0	74
Utilities Select Sector SPDR ETF	ETF	81369Y886	9,676	142	SH		SOLE		0	0	142
Vail Resorts Inc	COM	91879Q109	32,423	180	SH		SOLE		0	0	180
Valero Energy Corp	COM	91913Y100	5,487	35	SH		SOLE		0	0	35
Vanguard Bond Index ETF	ETF	921937835	25,975,726	360,524	SH		SOLE		0	0	360,524
Vanguard Dividend Appreciation ETF	ETF	921908844	149,326	818	SH		SOLE		0	0	818
Vanguard Extended Market	ETF	922908652	1,893,743	11,220	SH		SOLE		0	0	11,220
Vanguard FTSE All-Wld ex-US ETF	ETF	922042775	1,281,978	21,862	SH		SOLE		0	0	21,862
Vanguard FTSE All-World ex US Small ETF	ETF	922042718	88,203	751	SH		SOLE		0	0	751
Vanguard FTSE Emerging Markets ETF	ETF	922042858	4,384,726	100,199	SH		SOLE		0	0	100,199
Vanguard FTSE Europe ETF	ETF	922042874	316,423	4,739	SH		SOLE		0	0	4,739
Vanguard Global ex-US Real Est ETF	ETF	922042676	21,968	541	SH		SOLE		0	0	541
Vanguard High Dividend	ETF	921946406	179,902	1,517	SH		SOLE		0	0	1,517
Vanguard Industrials	ETF	92204A603	1,647	7	SH		SOLE		0	0	7
Vanguard Info Technology ETF	ETF	92204A702	399,148	692	SH		SOLE		0	0	692
Vanguard Interm-Term Corp Bd ETF	ETF	92206C870	11,494	144	SH		SOLE		0	0	144
Vanguard Large Cap ETF	ETF	922908637	1,316,735	5,275	SH		SOLE		0	0	5,275
Vanguard Large Growth ETF	ETF	922908736	598,416	1,600	SH		SOLE		0	0	1,600
Vanguard Mid Cap Growth	ETF	922908538	17,627	77	SH		SOLE		0	0	77
Vanguard Midcap ETF	ETF	922908629	1,472,063	6,080	SH		SOLE		0	0	6,080
Vanguard Mid-Cap Value ETF	ETF	922908512	622,479	4,138	SH		SOLE		0	0	4,138
Vanguard MSCI EAFE ETF	ETF	921943858	11,756,997	237,900	SH		SOLE		0	0	237,900
Vanguard REIT Index ETF	ETF	922908553	6,101,360	72,843	SH		SOLE		0	0	72,843
Vanguard S&P 500 Etf	ETF	921932505	204,071	612	SH		SOLE		0	0	612
Vanguard S&P 500 ETF	ETF	922908363	1,513,346	3,026	SH		SOLE		0	0	3,026
Vanguard S&P 500 Value ETF	ETF	921932703	186,151	1,059	SH		SOLE		0	0	1,059
Vanguard S&P Mid Cap	ETF	921932885	61,448	620	SH		SOLE		0	0	620
Vanguard S&P Small Cap	ETF	921932778	12,011	144	SH		SOLE		0	0	144
Vanguard S&P Small Cap	ETF	921932828	43,729	445	SH		SOLE		0	0	445
Vanguard Scottsdale Fds Vanguard Russell	ETF	92206C680	188,996	2,015	SH		SOLE		0	0	2,015
Vanguard Short Term Bond Index	ETF	921937827	4,909	64	SH		SOLE		0	0	64
Vanguard Short-Term Corporate Bond ETF	ETF	92206C409	56,873,017	735,982	SH		SOLE		0	0	735,982
Vanguard Short-Term Infl-Prot Secs ETF	ETF	922020805	1,022,422	21,063	SH		SOLE		0	0	21,063
Vanguard Small Cap ETF	ETF	922908751	1,249,516	5,731	SH		SOLE		0	0	5,731
Vanguard Small Cap Growth	ETF	922908595	443,459	1,773	SH		SOLE		0	0	1,773
Vanguard Small Cap Value ETF	ETF	922908611	258,813	1,418	SH		SOLE		0	0	1,418
Vanguard Tax Exempt Bond ETF	ETF	922907746	7,274,163	145,164	SH		SOLE		0	0	145,164
Vanguard Total Internatl	ETF	92203J407	2,287	47	SH		SOLE		0	0	47
Vanguard Total Intl Stock Idx ETF	ETF	921909768	5,085,118	84,330	SH		SOLE		0	0	84,330
Vanguard Total Stock Market ETF	ETF	922908769	10,608,933	39,658	SH		SOLE		0	0	39,658
Vanguard Total World Stock ETF	ETF	922042742	2,002,314	17,778	SH		SOLE		0	0	17,778
Vanguard Value ETF	ETF	922908744	1,711,244	10,668	SH		SOLE		0	0	10,668
Veeva Systems Inc	COM	922475108	1,464	8	SH		SOLE		0	0	8
Veralto Corp	COM	92338C103	14,511	152	SH		SOLE		0	0	152
Verizon Communications	COM	92343V104	58,396	1,416	SH		SOLE		0	0	1,416
Vert Global Sustainable Real Estate ETF	ETF	56170L695	5,693	589	SH		SOLE		0	0	589
Vertex Pharmaceuticals	COM	92532F100	3,281	7	SH		SOLE		0	0	7
Viavi Solutions Inc Com	COM	925550105	7	1	SH		SOLE		0	0	1
Viracta Therapeutics Inc	COM	92765F108	2	3	SH		SOLE		0	0	3
Visa Inc	COM	92826C839	11,811	45	SH		SOLE		0	0	45
Voya Finl, In	COM	929089209	7,454	307	SH		SOLE		0	0	307
W P Carey Inc	COM	92936U109	5,065	92	SH		SOLE		0	0	92
Walgreen Boots Alliance Inc Com	COM	931427108	181	15	SH		SOLE		0	0	15
Walker & Dunlop Inc	COM	M5425M103	821	45	SH		SOLE		0	0	45
Wal-Mart Stores Inc	COM	931142103	141,785	2,094	SH		SOLE		0	0	2,094
Walt Disney	COM	254687106	294,196	2,963	SH		SOLE		0	0	2,963
Waste Management Inc	COM	94106L109	21,334	100	SH		SOLE		0	0	100
Weirton Steel Corp	COM	982104101	6,305	189	SH		SOLE		0	0	189
Wells Fargo & Co	COM	949746101	43,636	735	SH		SOLE		0	0	735
Welltower Inc	COM	95040Q104	94,868	910	SH		SOLE		0	0	910
WestAmerica Corp	COM	95709H304	0	180	SH		SOLE		0	0	180
Westrock Company	COM	96145D105	503	10	SH		SOLE		0	0	10
Wharf Holdings Ltd	COM	962257408	1,829	332	SH		SOLE		0	0	332
Wheaton Precious Metal	COM	962879102	3,827	73	SH		SOLE		0	0	73
WisdomTree Artfcl Intllgnc & Innvtn ETF	ETF	97717Y543	95,894	4,590	SH		SOLE		0	0	4,590
Wisdomtree Emrg Mrkt Hg Div ETF	ETF	97717W315	34,648	800	SH		SOLE		0	0	800
WisdomTree Floating Rate Treasury ETF	ETF	97717Y527	502,798	9,994	SH		SOLE		0	0	9,994
WisdomTree International Small Cap	ETF	97717W760	252,770	3,984	SH		SOLE		0	0	3,984
Wisdomtree Large Cap Div	ETF	97717W307	248,805	3,420	SH		SOLE		0	0	3,420
Wisdomtree Tr US Smallcap Divd	ETF	97717W604	50,650	1,626	SH		SOLE		0	0	1,626
Worthington Industries Inc	COM	981811102	1,515	32	SH		SOLE		0	0	32
WW Grainger Inc	COM	384802104	4,511	5	SH		SOLE		0	0	5
Yum Brands	COM	988498101	58,989	445	SH		SOLE		0	0	445
Zebra Technologies Cl A	COM	989207105	309	1	SH		SOLE		0	0	1
Zim Integrated Shippin Ltd Ordinary Shares	COM	M9T951109	4,744	214	SH		SOLE		0	0	214
Zimmer Holdings Inc	COM	98956P102	35,815	330	SH		SOLE		0	0	330
ZimVie Inc.	COM	98888T107	55	3	SH		SOLE		0	0	3
Zoetis Inc	COM	98978V103	1,734	10	SH		SOLE		0	0	10
Zozo Inc	COM	98979Y106	2,036	408	SH		SOLE		0	0	408