Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
FNDF	SCHWAB STRATEGIC TR	291,913	$8.264M	6.8%	$28.75	—	SCHWB FDT INT LG	808524755
FNDX	SCHWAB STRATEGIC TR	151,792	$7.726M	6.4%	$52.31	—	SCHWAB FDT US LG	808524771
NTSX	WISDOMTREE TR	192,698	$6.425M	5.3%	$34.06	—	US EFFICIENT COR	97717Y790
SCHF	SCHWAB STRATEGIC TR	155,004	$4.875M	4.0%	$36.01	—	INTL EQTY ETF	808524805
EMGF	ISHARES INC	112,818	$4.842M	4.0%	$43.38	—	MSCI EMERG MKT	46434G889
—	BLACKROCK CORE BD TR	387,218	$4.383M	3.6%	$12.46	—	SHS BEN INT	09249E101
USMV	ISHARES TR	61,957	$4.35M	3.6%	$59.38	—	MSCI USA MIN VOL	46429B697
SCHB	SCHWAB STRATEGIC TR	92,789	$4.1M	3.4%	$61.03	—	US BRD MKT ETF	808524102
UCIB	UBS AG LONDON BRANCH	166,575	$4.043M	3.3%	$12.10	—	ETRACS UBS BLOOM	90274D390
EEMV	ISHARES INC	70,518	$3.909M	3.2%	$58.05	—	MSCI EMERG MRKT	464286533
SCHR	SCHWAB STRATEGIC TR	71,965	$3.713M	3.1%	$56.00	—	INT-TRM U.S TRES	808524854
ESGU	ISHARES TR	44,144	$3.704M	3.0%	$91.12	—	ESG AWR MSCI USA	46435G425
FNDE	SCHWAB STRATEGIC TR	137,927	$3.576M	2.9%	$28.90	—	SCHWB FDT EMK LG	808524730
MTUM	ISHARES TR	21,728	$2.963M	2.4%	$144.07	—	MSCI USA MMENTM	46432F396
ESGD	ISHARES TR	39,121	$2.455M	2.0%	$63.48	—	ESG AW MSCI EAFE	46435G516
GOVT	ISHARES TR	100,857	$2.41M	2.0%	$26.58	—	US TREAS BD ETF	46429B267
VEA	VANGUARD TAX-MANAGED INTL FD	56,032	$2.286M	1.9%	$43.88	—	VAN FTSE DEV MKT	921943858
VTI	VANGUARD INDEX FDS	11,299	$2.131M	1.8%	$196.44	—	TOTAL STK MKT	922908769
INTF	ISHARES TR	87,703	$2.064M	1.7%	$24.86	—	INTL EQTY FACTOR	46434V274
SCHZ	SCHWAB STRATEGIC TR	41,132	$1.969M	1.6%	$53.01	—	US AGGREGATE B	808524839
CMF	ISHARES TR	34,595	$1.953M	1.6%	$59.41	—	CALIF MUN BD ETF	464288356
SCHX	SCHWAB STRATEGIC TR	42,612	$1.903M	1.6%	$62.67	—	US LRG CAP ETF	808524201
SCHE	SCHWAB STRATEGIC TR	72,645	$1.844M	1.5%	$25.89	—	EMRG MKTEQ ETF	808524706
IVV	ISHARES TR	4,850	$1.839M	1.5%	$434.28	—	CORE S&P500 ETF	464287200
SCHP	SCHWAB STRATEGIC TR	30,238	$1.687M	1.4%	$60.44	—	US TIPS ETF	808524870
VGLT	VANGUARD SCOTTSDALE FDS	23,922	$1.678M	1.4%	$90.31	—	LONG TERM TREAS	92206C847
MSFT	MICROSOFT CORP	5,871	$1.508M	1.2%	$118.62	+122.1%	COM	594918104
FNDA	SCHWAB STRATEGIC TR	30,239	$1.368M	1.1%	$45.23	—	SCHWAB FDT US SC	808524763
EFAV	ISHARES TR	20,821	$1.318M	1.1%	$71.11	—	MSCI EAFE MIN VL	46429B689
FNDC	SCHWAB STRATEGIC TR	42,054	$1.279M	1.1%	$30.33	—	SCHWB FDT INT SC	808524748
AAPL	APPLE INC	9,077	$1.241M	1.0%	$91.50	+62.5%	COM	037833100
ISCF	ISHARES TR	41,680	$1.201M	1.0%	$31.78	—	MSCI INTL SML CP	46434V266
SCHO	SCHWAB STRATEGIC TR	22,819	$1.122M	0.9%	$50.84	—	SHT TM US TRES	808524862
ESGE	ISHARES INC	33,495	$1.082M	0.9%	$33.09	—	ESG AWR MSCI EM	46434G863
LEMB	ISHARES INC	30,236	$1.033M	0.8%	$40.98	—	JP MORGAN EM ETF	464286517
RING	ISHARES INC	46,239	$1.007M	0.8%	$28.81	—	MSCI GBL GOLD MN	46434G855
NTSI	WISDOMTREE TR	32,277	$999K	0.8%	$30.95	—	INTERNATIONL EFI	97717Y634
STIP	ISHARES TR	9,162	$929K	0.8%	$102.86	—	0-5 YR TIPS ETF	46429B747
RAFE	PIMCO EQUITY SER	32,640	$898K	0.7%	$22.16	—	RAFI ESG US	72201T342
LRGF	ISHARES TR	21,821	$827K	0.7%	$40.66	—	U S EQUITY FACTR	46434V282
IGSB	ISHARES TR	16,254	$822K	0.7%	$52.16	—	ISHS 1-5YR INVS	464288646
PCY	INVESCO EXCH TRADED FD TR II	42,013	$779K	0.6%	$19.44	—	EMRNG MKT SVRG	46138E784
VLUE	ISHARES TR	7,485	$677K	0.6%	$105.45	—	MSCI USA VALUE	46432F388
USIG	ISHARES TR	12,819	$653K	0.5%	$59.47	—	USD INV GRDE ETF	464288620
IVLU	ISHARES TR	26,207	$581K	0.5%	$25.32	—	MSCI INTL VLU FT	46435G409
QQQ	INVESCO QQQ TR	1,900	$533K	0.4%	$156.67	—	UNIT SER 1	46090E103
TYA	SIMPLIFY EXCHANGE TRADED FUN	29,142	$531K	0.4%	$18.22	—	RISK PARITY TREA	82889N798
QUAL	ISHARES TR	4,486	$501K	0.4%	$111.68	—	MSCI USA QLT FCT	46432F339
IEFA	ISHARES TR	8,442	$497K	0.4%	$68.65	—	CORE MSCI EAFE	46432F842
EFV	ISHARES TR	10,937	$475K	0.4%	$50.10	—	EAFE VALUE ETF	464288877
HDV	ISHARES TR	4,600	$462K	0.4%	$100.43	—	CORE HIGH DV ETF	46429B663
VYM	VANGUARD WHITEHALL FDS	4,027	$410K	0.3%	$80.91	—	HIGH DIV YLD	921946406
VIG	VANGUARD SPECIALIZED FUNDS	2,833	$406K	0.3%	$97.85	—	DIV APP ETF	921908844
VUG	VANGUARD INDEX FDS	1,761	$393K	0.3%	$138.23	—	GROWTH ETF	922908736
VWO	VANGUARD INTL EQUITY INDEX F	9,124	$380K	0.3%	$45.62	—	FTSE EMR MKT ETF	922042858
MBB	ISHARES TR	3,680	$359K	0.3%	$106.42	—	MBS ETF	464288588
INTU	INTUIT	878	$338K	0.3%	$404.46	0.0%	COM	461202103
IMTM	ISHARES TR	10,971	$328K	0.3%	$34.36	—	MSCI INTL MOMENT	46434V449
HIPS	GRANITESHARES ETF TR	26,441	$327K	0.3%	$13.81	—	HIPS US HIGH INC	38747R306
MCD	MCDONALDS CORP	1,290	$319K	0.3%	$226.36	0.0%	COM	580135101
ICSH	ISHARES TR	6,286	$315K	0.3%	$50.41	—	BLACKROCK ULTRA	46434V878
EELV	INVESCO EXCH TRADED FD TR II	13,445	$313K	0.3%	$23.28	—	S&P EMRNG MKTS	46138E297
MUB	ISHARES TR	2,864	$305K	0.3%	$114.20	—	NATIONAL MUN ETF	464288414
AMZN	AMAZON COM INC	2,865	$304K	0.2%	$125.13	0.0%	COM	023135106
IDLV	INVESCO EXCH TRADED FD TR II	10,939	$302K	0.2%	$30.03	—	S&P INTL LOW	46138E230
SCHD	SCHWAB STRATEGIC TR	4,200	$301K	0.2%	$67.48	—	US DIVIDEND EQ	808524797
WTPI	WISDOMTREE TR	9,303	$297K	0.2%	$25.30	—	CBOE S&P 500	97717X560
GOOGL	ALPHABET INC	130	$283K	0.2%	$116.85	0.0%	CAP STK CL A	02079K305
DFAX	DIMENSIONAL ETF TRUST	12,636	$271K	0.2%	$21.45	—	WORLD EX US CORE	25434V880
BRK/B	BERKSHIRE HATHAWAY INC DEL	960	$262K	0.2%	$313.72	0.0%	CL B NEW	084670702
ORCL	ORACLE CORP	3,664	$256K	0.2%	$52.06	+34.2%	COM	68389X105
SUB	ISHARES TR	2,279	$239K	0.2%	$104.51	—	SHRT NAT MUN ETF	464288158
EDV	VANGUARD WORLD FD	2,391	$239K	0.2%	$130.68	—	EXTENDED DUR	921910709
VB	VANGUARD INDEX FDS	1,318	$232K	0.2%	$180.60	—	SMALL CP ETF	922908751
VTV	VANGUARD INDEX FDS	1,716	$226K	0.2%	$105.54	—	VALUE ETF	922908744
VBR	VANGUARD INDEX FDS	1,439	$216K	0.2%	$150.10	—	SM CP VAL ETF	922908611
EFG	ISHARES TR	2,599	$209K	0.2%	$103.43	—	EAFE GRWTH ETF	464288885
IGIB	ISHARES TR	3,965	$202K	0.2%	$50.95	—	ISHS 5-10YR INVT	464288638
SCHH	SCHWAB STRATEGIC TR	9,470	$200K	0.2%	$24.91	—	US REIT ETF	808524847