Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHB	SCHWAB STRATEGIC TR	671,898	$32.15M	24.1%	$45.02	—	US BRD MKT ETF	808524102
VEA	VANGUARD TAX-MANAGED FDS	292,556	$13.21M	9.9%	$42.32	—	VAN FTSE DEV MKT	921943858
SCHF	SCHWAB STRATEGIC TR	367,591	$12.79M	9.6%	$32.21	—	INTL EQTY ETF	808524805
CMF	ISHARES TR	180,721	$10.38M	7.8%	$56.42	—	CALIF MUN BD ETF	464288356
SCHZ	SCHWAB STRATEGIC TR	176,624	$8.285M	6.2%	$45.65	—	US AGGREGATE B	808524839
VT	VANGUARD INTL EQUITY INDEX F	57,989	$5.34M	4.0%	$86.20	—	TT WRLD ST ETF	922042742
MUB	ISHARES TR	49,319	$5.314M	4.0%	$105.52	—	NATIONAL MUN ETF	464288414
SCHR	SCHWAB STRATEGIC TR	80,973	$4.083M	3.1%	$49.43	—	INT-TRM U.S TRES	808524854
VWO	VANGUARD INTL EQUITY INDEX F	95,830	$3.872M	2.9%	$39.16	—	FTSE EMR MKT ETF	922042858
AAPL	APPLE INC	23,071	$3.804M	2.9%	$143.97	+1.1%	COM	037833100
SCHO	SCHWAB STRATEGIC TR	69,400	$3.386M	2.5%	$48.24	—	SHT TM US TRES	808524862
SCMB	SCHWAB STRATEGIC TR	61,935	$3.243M	2.4%	$52.00	—	MUN BD ETF	808524649
SCHE	SCHWAB STRATEGIC TR	112,908	$2.768M	2.1%	$23.67	—	EMRG MKTEQ ETF	808524706
CORP	PIMCO ETF TR	25,486	$2.452M	1.8%	$93.00	—	INV GRD CRP BD	72201R817
GNMA	ISHARES TR	45,829	$2.038M	1.5%	$43.62	—	GNMA BOND ETF	46429B333
SCHD	SCHWAB STRATEGIC TR	25,688	$1.879M	1.4%	$74.91	—	US DIVIDEND EQ	808524797
AMZN	AMAZON COM INC	13,936	$1.439M	1.1%	$98.78	-2.2%	COM	023135106
GOOGL	ALPHABET INC	13,524	$1.403M	1.1%	$94.87	+0.4%	CAP STK CL A	02079K305
VEU	VANGUARD INTL EQUITY INDEX F	21,135	$1.13M	0.8%	$50.14	—	ALLWRLD EX US	922042775
XEVMX	EATON VANCE CALIF MUN BD FD	123,910	$1.118M	0.8%	$8.64	—	COM	27828A100
SCHP	SCHWAB STRATEGIC TR	19,181	$1.028M	0.8%	$52.08	—	US TIPS ETF	808524870
—	NUVEEN CALIFORNIA AMT QLT MU	87,400	$1.017M	0.8%	$12.30	—	COM	670651108
IAU	ISHARES GOLD TR	27,186	$1.016M	0.8%	$35.36	—	ISHARES NEW	464285204
SIVR	ABRDN SILVER ETF TRUST	42,055	$972K	0.7%	$22.99	—	PHYSCL SILVR SHS	003264108
NYF	ISHARES TR	17,390	$931K	0.7%	$52.56	—	NEW YORK MUN ETF	464288323
SPY	SPDR S&P 500 ETF TR	1,818	$744K	0.6%	$382.37	—	TR UNIT	78462F103
BRK/B	BERKSHIRE HATHAWAY INC DEL	2,207	$681K	0.5%	$308.18	0.0%	CL B NEW	084670702
—	NUVEEN AMT FREE QLTY MUN INC	58,400	$649K	0.5%	$11.31	—	COM	670657105
BOX	BOX INC	23,305	$624K	0.5%	$28.53	+5.6%	CL A	10316T104
IWD	ISHARES TR	4,048	$616K	0.5%	$151.67	—	RUS 1000 VAL ETF	464287598
VTI	VANGUARD INDEX FDS	2,853	$582K	0.4%	$191.19	—	TOTAL STK MKT	922908769
VUG	VANGUARD INDEX FDS	2,133	$532K	0.4%	$238.45	—	GROWTH ETF	922908736
VOO	VANGUARD INDEX FDS	1,161	$437K	0.3%	$362.42	—	S&P 500 ETF SHS	922908363
TSLA	TESLA INC	1,816	$377K	0.3%	$188.75	-7.6%	COM	88160R101
SCHY	SCHWAB STRATEGIC TR	13,694	$324K	0.2%	$22.84	—	INTERNL DIVID	808524672
GOOG	ALPHABET INC	3,003	$312K	0.2%	$94.73	+1.2%	CAP STK CL C	02079K107
IWM	ISHARES TR	1,738	$310K	0.2%	$174.36	—	RUSSELL 2000 ETF	464287655
GLD	SPDR GOLD TR	1,600	$293K	0.2%	$183.22	—	GOLD SHS	78463V107
VGT	VANGUARD WORLD FDS	693	$267K	0.2%	$385.72	—	INF TECH ETF	92204A702
VDE	VANGUARD WORLD FDS	2,172	$248K	0.2%	$121.28	—	ENERGY ETF	92204A306
MSFT	MICROSOFT CORP	834	$240K	0.2%	$249.46	0.0%	COM	594918104
SCHA	SCHWAB STRATEGIC TR	5,441	$228K	0.2%	$40.51	—	US SML CAP ETF	808524607
PWZ	INVESCO EXCH TRADED FD TR II	8,400	$208K	0.2%	$24.14	—	CALIF AMT MUN	46138E206
SHM	SPDR SER TR	4,300	$204K	0.2%	$46.98	—	NUVEEN BLMBRG SH	78468R739
GLDM	WORLD GOLD TR	5,115	$200K	0.2%	$39.11	—	SPDR GLD MINIS	98149E303
XOM	EXXON MOBIL CORP	1,824	$200K	0.2%	$96.28	+4.1%	COM	30231G102