Sherman Asset Management 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
Expires:	Oct 31, 2018
Estimated average burden
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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
AMAZON COM INC COM	Stock	023135106	1,836,294	8,370	SH		SOLE		8,370	0	0
ALEXANDRIA REAL ESTATE EQ INC COM	REIT	015271109	74,723	766	SH		SOLE		766	0	0
INVESCO QQQ TRUST SERIES I	ETF	46090E103	128,830	252	SH		SOLE		252	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF	81369Y803	6,995,803	30,087	SH		SOLE		30,087	0	0
STARBUCKS CORP COM	Stock	855244109	287,288	3,148	SH		SOLE		3,148	0	0
BLOCK INC CL A	Stock	852234103	88,390	1,040	SH		SOLE		1,040	0	0
ALNYLAM PHARMACEUTICALS INC COM	Stock	02043Q107	3,530	15	SH		SOLE		15	0	0
JOHNSON & JOHNSON COM	Stock	478160104	361,400	2,499	SH		SOLE		2,499	0	0
WASTE MGMT INC DEL COM	Stock	94106L109	178,274	883	SH		SOLE		883	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	10,065,147	34,730	SH		SOLE		34,730	0	0
DEXCOM INC COM	Stock	252131107	2,178	28	SH		SOLE		28	0	0
COSTCO WHSL CORP NEW COM	Stock	22160K105	840,958	918	SH		SOLE		918	0	0
GOLDMAN SACHS GROUP INC COM	Stock	38141G104	125,404	219	SH		SOLE		219	0	0
YUM BRANDS INC COM	Stock	988498101	111,635	832	SH		SOLE		832	0	0
REAL ESTATE SELECT SECTOR SPDR FUND	ETF	81369Y860	278,793	6,855	SH		SOLE		6,855	0	0
PROCTER AND GAMBLE CO COM	Stock	742718109	424,315	2,531	SH		SOLE		2,531	0	0
COCA COLA CO COM	Stock	191216100	213,597	3,431	SH		SOLE		3,431	0	0
GENERAL MLS INC COM	Stock	370334104	57,954	909	SH		SOLE		909	0	0
VANGUARD REAL ESTATE ETF	ETF	922908553	1,672,260	18,773	SH		SOLE		18,773	0	0
ISHARES MSCI USA ESG SELECT ETF	ETF	464288802	413,892	3,404	SH		SOLE		3,404	0	0
AVALONBAY CMNTYS INC COM	REIT	053484101	116,144	528	SH		SOLE		528	0	0
INTEL CORP COM	Stock	458140100	361	18	SH		SOLE		18	0	0
MEDTRONIC PLC SHS	Stock	G5960L103	639	8	SH		SOLE		8	0	0
CLOROX CO DEL COM	Stock	189054109	40,927	252	SH		SOLE		252	0	0
NETFLIX INC COM	Stock	64110L106	221,939	249	SH		SOLE		249	0	0
HORMEL FOODS CORP COM	Stock	440452100	7,623	243	SH		SOLE		243	0	0
EQUITY RESIDENTIAL SH BEN INT	REIT	29476L107	106,983	1,505	SH		SOLE		1,505	0	0
ISHARES ESG AWARE MSCI EAFE ETF	ETF	46435G516	353,137	4,638	SH		SOLE		4,638	0	0
PROLOGIS INC. COM	REIT	74340W103	140,475	1,329	SH		SOLE		1,329	0	0
MERCK & CO INC COM	Stock	58933Y105	196,365	1,974	SH		SOLE		1,974	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	1,054,944	1,800	SH		SOLE		1,800	0	0
MASTERCARD INCORPORATED CL A	Stock	57636Q104	667,056	1,267	SH		SOLE		1,267	0	0
SBA COMMUNICATIONS CORP NEW CL A	REIT	78410G104	72,757	357	SH		SOLE		357	0	0
EMERSON ELEC CO COM	Stock	291011104	868	7	SH		SOLE		7	0	0
FIRST TRUST NASDAQ BANK ETF	ETF	33738R860	27,673	870	SH		SOLE		870	0	0
BANK NEW YORK MELLON CORP COM	Stock	064058100	1,383	18	SH		SOLE		18	0	0
BALLARD PWR SYS INC NEW COM	Stock	058586108	498	300	SH		SOLE		300	0	0
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	112,412	2,811	SH		SOLE		2,811	0	0
ANAPTYSBIO INC COM	Stock	032724106	1,589	120	SH		SOLE		120	0	0
PEPSICO INC COM	Stock	713448108	184,806	1,215	SH		SOLE		1,215	0	0
ISHARES CALIFORNIA MUNI BOND ETF	ETF	464288356	204,089	3,563	SH		SOLE		3,563	0	0
KIMBERLY-CLARK CORP COM	Stock	494368103	48,223	368	SH		SOLE		368	0	0
FORD MTR CO COM	Stock	345370860	564	57	SH		SOLE		57	0	0
ISHARES ESG AWARE MSCI USA ETF	ETF	46435G425	446,490	3,466	SH		SOLE		3,466	0	0
US BANCORP DEL COM NEW	Stock	902973304	861	18	SH		SOLE		18	0	0
DUPONT DE NEMOURS INC COM	Stock	26614N102	763	10	SH		SOLE		10	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	ETF	81369Y209	801,620	5,827	SH		SOLE		5,827	0	0
SEA LTD SPONSORD ADS	ADR	81141R100	2,759	26	SH		SOLE		26	0	0
WHIRLPOOL CORP COM	Stock	963320106	8,271	72	SH		SOLE		72	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	81369Y308	539,972	6,869	SH		SOLE		6,869	0	0
APELLIS PHARMACEUTICALS INC COM	Stock	03753U106	2,010	63	SH		SOLE		63	0	0
DENALI THERAPEUTICS INC COM	Stock	24823R105	1,916	94	SH		SOLE		94	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	8,506,761	73,831	SH		SOLE		73,831	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	117,853	260	SH		SOLE		260	0	0
ADOBE INC COM	Stock	00724F101	68,036	153	SH		SOLE		153	0	0
ALPHABET INC CAP STK CL A	Stock	02079K305	3,623,202	19,140	SH		SOLE		19,140	0	0
FIRST TRUST NASDAQ ARTIFICIAL INTELLIGENCE & ROBOTICS ETF	ETF	33738R720	45,535	1,011	SH		SOLE		1,011	0	0
SPOTIFY TECHNOLOGY S A SHS	Stock	L8681T102	5,816	13	SH		SOLE		13	0	0
COMCAST CORP NEW CL A	Stock	20030N101	102,982	2,744	SH		SOLE		2,744	0	0
MICROSOFT CORP COM	Stock	594918104	3,368,155	7,991	SH		SOLE		7,991	0	0
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF	ETF	46435U663	57,524	1,368	SH		SOLE		1,368	0	0
WARNER BROS DISCOVERY INC COM SER A	Stock	934423104	423	40	SH		SOLE		40	0	0
HEALTHPEAK PROPERTIES INC COM	REIT	42250P103	93,850	4,630	SH		SOLE		4,630	0	0
WYNDHAM HOTELS & RESORTS INC COM	Stock	98311A105	53,547	531	SH		SOLE		531	0	0
CVS HEALTH CORP COM	Stock	126650100	12,704	283	SH		SOLE		283	0	0
AMPLIFY LITHIUM & BATTERY TECHNOLOGY ETF	ETF	032108805	53,266	6,053	SH		SOLE		6,053	0	0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND	ETF	81369Y852	580,473	5,996	SH		SOLE		5,996	0	0
SIMON PPTY GROUP INC NEW COM	REIT	828806109	1,033	6	SH		SOLE		6	0	0
VANGUARD MID-CAP ETF	ETF	922908629	269,677	1,021	SH		SOLE		1,021	0	0
NEXTERA ENERGY INC COM	Stock	65339F101	860	12	SH		SOLE		12	0	0
TESLA INC COM	Stock	88160R101	1,461,497	3,619	SH		SOLE		3,619	0	0
SPDR S&P KENSHO NEW ECONOMIES COMPOSITE ETF	ETF	78468R648	739,424	14,547	SH		SOLE		14,547	0	0
HILTON WORLDWIDE HLDGS INC COM	Stock	43300A203	146,813	594	SH		SOLE		594	0	0
FINANCIAL SELECT SECTOR SPDR FUND	ETF	81369Y605	505,532	10,460	SH		SOLE		10,460	0	0
PUBLIC STORAGE OPER CO COM	REIT	74460D109	101,211	338	SH		SOLE		338	0	0
SCHWAB SHORT-TERM US TREASURY ETF	ETF	808524862	834,116	34,668	SH		SOLE		34,668	0	0
SCHWAB US TIPS ETF	ETF	808524870	1,179,498	45,664	SH		SOLE		45,664	0	0
WALGREENS BOOTS ALLIANCE INC COM	Stock	931427108	205	22	SH		SOLE		22	0	0
DOW INC COM	Stock	260557103	522	13	SH		SOLE		13	0	0
VANGUARD S&P 500 ETF	ETF	922908363	52,054	97	SH		SOLE		97	0	0
BEYOND MEAT INC COM	Stock	08862E109	113	30	SH		SOLE		30	0	0
UBER TECHNOLOGIES INC COM	Stock	90353T100	134,634	2,232	SH		SOLE		2,232	0	0
AVANTOR INC COM	Stock	05352A100	2,781	132	SH		SOLE		132	0	0
GENERAL MTRS CO COM	Stock	37045V100	1,065	20	SH		SOLE		20	0	0
ELI LILLY & CO COM	Stock	532457108	4,643,853	6,015	SH		SOLE		6,015	0	0
SCHWAB U.S. MID-CAP ETF	ETF	808524508	453,391	16,362	SH		SOLE		16,362	0	0
SPDR S&P HEALTH CARE EQUIPMENT ETF	ETF	78464A581	154,096	1,741	SH		SOLE		1,741	0	0
DUKE ENERGY CORP NEW COM NEW	Stock	26441C204	862	8	SH		SOLE		8	0	0
SYSCO CORP COM	Stock	871829107	30,726	402	SH		SOLE		402	0	0
ISHARES FLOATING RATE BOND ETF	ETF	46429B655	301,437	5,924	SH		SOLE		5,924	0	0
AIRBNB INC COM CL A	Stock	009066101	57,295	436	SH		SOLE		436	0	0
SPDR S&P SOFTWARE & SERVICES ETF	ETF	78464A599	167,796	888	SH		SOLE		888	0	0
VISA INC COM CL A	Stock	92826C839	560,451	1,773	SH		SOLE		1,773	0	0
FIRST TRUST SKYBRIDGE CRYPTO INDUSTRY & DIGITAL ECONOMY ETF	ETF	33740F540	254,742	15,254	SH		SOLE		15,254	0	0
KELLANOVA COM	Stock	487836108	43,400	536	SH		SOLE		536	0	0
VANGUARD SMALL-CAP GROWTH ETF	ETF	922908595	36,408	130	SH		SOLE		130	0	0
VANGUARD VALUE ETF	ETF	922908744	119,408	705	SH		SOLE		705	0	0
VANGUARD GROWTH ETF	ETF	922908736	16,828	41	SH		SOLE		41	0	0
MID-AMER APT CMNTYS INC COM	REIT	59522J103	102,480	663	SH		SOLE		663	0	0
AMERICAN TOWER CORP NEW COM	REIT	03027X100	80,517	439	SH		SOLE		439	0	0
META PLATFORMS INC CL A	Stock	30303M102	3,267,731	5,581	SH		SOLE		5,581	0	0
ASML HOLDING N V N Y REGISTRY SHS	ADR	N07059210	5,545	8	SH		SOLE		8	0	0
BLOOMIN BRANDS INC COM	Stock	094235108	19,402	1,589	SH		SOLE		1,589	0	0
MONDELEZ INTL INC CL A	Stock	609207105	6,152	103	SH		SOLE		103	0	0
METLIFE INC COM	Stock	59156R108	983	12	SH		SOLE		12	0	0
SPDR S&P INSURANCE ETF	ETF	78464A789	170	3	SH		SOLE		3	0	0
GE HEALTHCARE TECHNOLOGIES INC COMMON STOCK	Stock	36266G107	78	1	SH		SOLE		1	0	0
KROGER CO COM	Stock	501044101	92,145	1,507	SH		SOLE		1,507	0	0
NVIDIA CORPORATION COM	Stock	67066G104	933,718	6,953	SH		SOLE		6,953	0	0
ARCHER DANIELS MIDLAND CO COM	Stock	039483102	47,219	935	SH		SOLE		935	0	0
ABBVIE INC COM	Stock	00287Y109	1,066	6	SH		SOLE		6	0	0
SPDR S&P BIOTECH ETF	ETF	78464A870	652,845	7,249	SH		SOLE		7,249	0	0
VANGUARD TOTAL BOND MARKET ETF	ETF	921937835	2,733,465	38,012	SH		SOLE		38,012	0	0
WISDOMTREE ARTIFICIAL INTELLIGENCE AND INNOVATION FUND	ETF	97717Y543	198,770	9,035	SH		SOLE		9,035	0	0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS	ADR	874039100	945,532	4,788	SH		SOLE		4,788	0	0
QUALCOMM INC COM	Stock	747525103	922	6	SH		SOLE		6	0	0
T-MOBILE US INC COM	Stock	872590104	1,324	6	SH		SOLE		6	0	0
MCDONALDS CORP COM	Stock	580135101	557,929	1,925	SH		SOLE		1,925	0	0
CISCO SYS INC COM	Stock	17275R102	75,894	1,282	SH		SOLE		1,282	0	0
CYTOKINETICS INC COM NEW	Stock	23282W605	6,680	142	SH		SOLE		142	0	0
AT&T INC COM	Stock	00206R102	89,691	3,939	SH		SOLE		3,939	0	0
SOLVENTUM CORP COM SHS	Stock	83444M101	1,784	27	SH		SOLE		27	0	0
GE VERNOVA INC COM	Stock	36828A101	329	1	SH		SOLE		1	0	0
MATERIALS SELECT SECTOR SPDR FUND	ETF	81369Y100	22,297	265	SH		SOLE		265	0	0
GE AEROSPACE COM NEW	Stock	369604301	1,168	7	SH		SOLE		7	0	0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND	ETF	81369Y407	550,331	2,453	SH		SOLE		2,453	0	0
SPDR PORTFOLIO S&P 600 SMALL CAP ETF	ETF	78468R853	2,677,300	59,602	SH		SOLE		59,602	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	19,645,403	33,372	SH		SOLE		33,372	0	0
WELLS FARGO CO NEW COM	Stock	949746101	121,445	1,729	SH		SOLE		1,729	0	0
SALESFORCE INC COM	Stock	79466L302	111,332	333	SH		SOLE		333	0	0
THERMO FISHER SCIENTIFIC INC COM	Stock	883556102	138,497	266	SH		SOLE		266	0	0
JPMORGAN CHASE & CO. COM	Stock	46625H100	138,073	576	SH		SOLE		576	0	0
CHEVRON CORP NEW COM	Stock	166764100	1,036	7	SH		SOLE		7	0	0
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	2,459,758	51,438	SH		SOLE		51,438	0	0
THE CAMPBELLS COMPANY COM	Stock	134429109	36,356	874	SH		SOLE		874	0	0
TJX COS INC NEW COM	Stock	872540109	8,698	72	SH		SOLE		72	0	0
BANK AMERICA CORP COM	Stock	060505104	112,908	2,569	SH		SOLE		2,569	0	0
EXTRA SPACE STORAGE INC COM	REIT	30225T102	93,650	626	SH		SOLE		626	0	0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF	ETF	78464A805	140,931	1,973	SH		SOLE		1,973	0	0
WALMART INC COM	Stock	931142103	676,545	7,488	SH		SOLE		7,488	0	0
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	1,319	6	SH		SOLE		6	0	0
ORACLE CORP COM	Stock	68389X105	188,970	1,134	SH		SOLE		1,134	0	0
TARGET CORP COM	Stock	87612E106	211,644	1,566	SH		SOLE		1,566	0	0
INTRA-CELLULAR THERAPIES INC COM	Stock	46116X101	9,187	110	SH		SOLE		110	0	0
PFIZER INC COM	Stock	717081103	128,724	4,852	SH		SOLE		4,852	0	0
MORGAN STANLEY COM NEW	Stock	617446448	147,092	1,170	SH		SOLE		1,170	0	0
3M CO COM	Stock	88579Y101	14,329	111	SH		SOLE		111	0	0
GILEAD SCIENCES INC COM	Stock	375558103	178,366	1,931	SH		SOLE		1,931	0	0
AMGEN INC COM	Stock	031162100	181,145	695	SH		SOLE		695	0	0
TYSON FOODS INC CL A	Stock	902494103	10,052	175	SH		SOLE		175	0	0
FIRST TRUST NYSE ARCA BIOTECHNOLOGY INDEX FUND	ETF	33733E203	50,195	302	SH		SOLE		302	0	0
TRUPANION INC COM	Stock	898202106	3,085	64	SH		SOLE		64	0	0
CYBERARK SOFTWARE LTD SHS	Stock	M2682V108	282,178	847	SH		SOLE		847	0	0
FRESH DEL MONTE PRODUCE INC ORD	Stock	G36738105	54,332	1,636	SH		SOLE		1,636	0	0
SPDR PORTFOLIO S&P 500 GROWTH ETF	ETF	78464A409	275,969	3,140	SH		SOLE		3,140	0	0
EQUINIX INC COM	REIT	29444U700	134,833	143	SH		SOLE		143	0	0
BRISTOL-MYERS SQUIBB CO COM	Stock	110122108	161,818	2,861	SH		SOLE		2,861	0	0
CITIGROUP INC COM NEW	Stock	172967424	105,374	1,497	SH		SOLE		1,497	0	0
UNITEDHEALTH GROUP INC COM	Stock	91324P102	223,610	442	SH		SOLE		442	0	0
LOWES COS INC COM	Stock	548661107	7,898	32	SH		SOLE		32	0	0
SOUTHWEST AIRLS CO COM	Stock	844741108	19,197	571	SH		SOLE		571	0	0
COLGATE PALMOLIVE CO COM	Stock	194162103	71,134	782	SH		SOLE		782	0	0
AMERICAN INTL GROUP INC COM NEW	Stock	026874784	1,019	14	SH		SOLE		14	0	0
UTILITIES SELECT SECTOR SPDR FUND	ETF	81369Y886	26,643	352	SH		SOLE		352	0	0
PAYPAL HLDGS INC COM	Stock	70450Y103	77,156	904	SH		SOLE		904	0	0
FIRST TRUST NASDAQ CYBERSECURITY ETF	ETF	33734X846	2,455,921	38,706	SH		SOLE		38,706	0	0
SCHWAB CHARLES CORP COM	Stock	808513105	111,903	1,512	SH		SOLE		1,512	0	0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF	ETF	78463X889	1,621,514	47,510	SH		SOLE		47,510	0	0
BLACKROCK INC COM	Stock	09290D101	119,938	117	SH		SOLE		117	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	2,618,598	42,025	SH		SOLE		42,025	0	0
APPLE INC COM	Stock	037833100	3,641,702	14,542	SH		SOLE		14,542	0	0
ABBOTT LABS COM	Stock	002824100	251,029	2,219	SH		SOLE		2,219	0	0
DISNEY WALT CO COM	Stock	254687106	248,533	2,232	SH		SOLE		2,232	0	0
BOOKING HOLDINGS INC COM	Stock	09857L108	9,937	2	SH		SOLE		2	0	0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF	ETF	78468R663	0	0	SH		SOLE		0	0	0
DOMINOS PIZZA INC COM	Stock	25754A201	25,186	60	SH		SOLE		60	0	0
VANGUARD FTSE EMERGING MARKETS ETF	Stock	992042858	379,625	8,620	SH		SOLE		8,620	0	0