Towneley Capital Management, Inc / DE 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

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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
ABRDN GOLD ETF TRUST	PHYSCL GOLD SHS	00326A104	16,990,037	799,908	SH		SOLE		0	0	799,908
ABRDN PRECIOUS METALS BASKET	PHYSCL PRECS MET	003263100	5,672,587	59,399	SH		SOLE		0	0	59,399
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	242,334	2,586	SH		SOLE		0	0	2,586
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	968,458	2,303	SH		SOLE		0	0	2,303
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	7,707,661	123,639	SH		SOLE		0	0	123,639
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	277,430	5,097	SH		SOLE		0	0	5,097
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	716,694	12,578	SH		SOLE		0	0	12,578
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	438,325	10,717	SH		SOLE		0	0	10,717
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	7,038,855	284,743	SH		SOLE		0	0	284,743
DIMENSIONAL ETF TRUST	US SUSTAINABILTY	25434V716	260,698	7,576	SH		SOLE		0	0	7,576
GLOBAL SELF STORAGE INC	COM	37955N106	192,200	43,191	SH		SOLE		0	0	43,191
ISHARES GOLD TR	ISHARES NEW	464285204	6,875,210	163,657	SH		SOLE		0	0	163,657
ISHARES INC	JP MORGAN EM ETF	464286517	242,972	6,735	SH		SOLE		0	0	6,735
ISHARES TR	IBOXX INV CP ETF	464287242	342,793	3,147	SH		SOLE		0	0	3,147
ISHARES TR	3YRTB ETF	464288125	403,755	5,777	SH		SOLE		0	0	5,777
ISHARES TR	INTL TREA BD ETF	464288117	592,750	14,957	SH		SOLE		0	0	14,957
ISHARES TR	7-10 YR TRSY BD	464287440	309,754	3,272	SH		SOLE		0	0	3,272
ISHARES TR	CORE US AGGBD ET	464287226	1,108,546	11,319	SH		SOLE		0	0	11,319
ISHARES TR	1 3 YR TREAS BD	464287457	240,744	2,944	SH		SOLE		0	0	2,944
ISHARES TR	INTRM GOV CR ETF	464288612	3,039,231	29,229	SH		SOLE		0	0	29,229
ISHARES TR	CORE S&P500 ETF	464287200	1,326,288	2,523	SH		SOLE		0	0	2,523
JANUS DETROIT STR TR	HENDERSON MTG	47103U852	16,854,615	373,717	SH		SOLE		0	0	373,717
NKGEN BIOTECH INC	COM	65488A101	18,900	10,000	SH		SOLE		0	0	10,000
PIMCO ETF TR	INTER MUN BD ACT	72201R866	45,598,581	869,041	SH		SOLE		0	0	869,041
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	17,294,816	358,739	SH		SOLE		0	0	358,739
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	16,596,634	205,837	SH		SOLE		0	0	205,837
SPDR GOLD TR	GOLD SHS	78463V107	2,840,239	13,806	SH		SOLE		0	0	13,806
SPDR INDEX SHS FDS	MSCI ACWI EXUS	78463X848	1,202,969	42,358	SH		SOLE		0	0	42,358
SPDR SER TR	BLOOMBERG INTL T	78464A516	724,846	32,592	SH		SOLE		0	0	32,592
SPDR SER TR	BLOOMBERG INTL	78464A151	242,007	8,314	SH		SOLE		0	0	8,314
SPDR SER TR	FTSE INT GVT ETF	78464A490	444,552	11,119	SH		SOLE		0	0	11,119
SPDR SER TR	BLOOMBERG SHORT	78464A334	452,454	17,164	SH		SOLE		0	0	17,164
VANECK ETF TRUST	FALLEN ANGEL HG	92189F437	3,407,532	117,420	SH		SOLE		0	0	117,420
VANGUARD INDEX FDS	VALUE ETF	922908744	14,653,633	89,977	SH		SOLE		0	0	89,977
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	87,611,350	337,096	SH		SOLE		0	0	337,096
VANGUARD INDEX FDS	MID CAP ETF	922908629	13,084,647	52,368	SH		SOLE		0	0	52,368
VANGUARD INDEX FDS	GROWTH ETF	922908736	22,663,968	65,845	SH		SOLE		0	0	65,845
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	1,144,157	10,354	SH		SOLE		0	0	10,354
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	1,170,085	19,950	SH		SOLE		0	0	19,950
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	545,887	11,399	SH		SOLE		0	0	11,399
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	5,022,294	99,255	SH		SOLE		0	0	99,255
VANGUARD SCOTTSDALE FDS	SHORT TERM TREAS	92206C102	1,294,613	22,294	SH		SOLE		0	0	22,294
VANGUARD SCOTTSDALE FDS	INTER TERM TREAS	92206C706	23,625,361	403,507	SH		SOLE		0	0	403,507
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	3,197,923	53,982	SH		SOLE		0	0	53,982
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	24,879,080	321,809	SH		SOLE		0	0	321,809
VANGUARD STAR FDS	VG TL INTL STK F	921909768	46,854,749	777,027	SH		SOLE		0	0	777,027
VANGUARD WHITEHALL FDS	EM MK GOV BD ETF	921946885	252,417	3,953	SH		SOLE		0	0	3,953