Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
IAGG	ISHARES TR	9,580	$485K	0.2%	$50.60	—	CORE INTL AGGR	46435G672
MUNY	VANGUARD NY TAX FREE FDS	3,560	$370K	0.1%	$104.00	—	TAX EXEMPT BD	92204H400
SNOW	SNOWFLAKE INC	930	$237K	0.1%	$254.41	—	COM SHS	833445109
INTC	INTEL CORP	1,685	$235K	0.1%	$139.63	—	COM	458140100
XLF	SELECT SECTOR SPDR TR	3,820	$205K	0.1%	$53.61	—	ST STR FINL ETF	81369Y605
IXN	ISHARES TR	1,400	$202K	0.1%	$144.48	—	GLOBAL TECH ETF	464287291
ATAI	ATAIBECKLEY INC	10,389	$54,750	0.0%	$5.27	—	COM SHS	04650F101

Increased Positions (24)

VEA VANGUARD TAX-MANAGED FDS 12.7%

Value $33.65M (+15.4%) Shares 472,297 (+3.8%) Est. Cost $46.72 Unrealized —

VWO VANGUARD INTL EQUITY INDEX F 4.1%

Value $10.9M (+20.2%) Shares 182,620 (+8.8%) Est. Cost $45.78 Unrealized —

GOOGL ALPHABET INC 2.1%

Value $5.445M (+27.6%) Shares 15,236 (+2.9%) Est. Cost $138.32 Unrealized —

GOOG ALPHABET INC 1.4%

Value $3.806M (+27.9%) Shares 10,770 (+3.9%) Est. Cost $124.76 Unrealized —

SCHZ SCHWAB STRATEGIC TR 4.9%

Value $13.02M (+6.5%) Shares 562,920 (+6.9%) Est. Cost $32.36 Unrealized —

CORP PIMCO ETF TR 3.2%

Value $8.586M (+7.2%) Shares 88,576 (+7.0%) Est. Cost $95.83 Unrealized —

AAPL APPLE INC 1.0%

Value $2.715M (+25.2%) Shares 9,382 (+10.4%) Est. Cost $163.01 Unrealized —

VTI VANGUARD INDEX FDS 1.2%

Value $3.112M (+18.9%) Shares 8,410 (+3.1%) Est. Cost $264.52 Unrealized —

SCHV SCHWAB STRATEGIC TR 1.0%

Value $2.656M (+16.2%) Shares 76,290 (+1.8%) Est. Cost $34.58 Unrealized —

SCHR SCHWAB STRATEGIC TR 2.4%

Value $6.245M (+5.5%) Shares 253,261 (+6.6%) Est. Cost $33.76 Unrealized —

SCHA SCHWAB STRATEGIC TR 0.5%

Value $1.262M (+27.0%) Shares 34,931 (+2.2%) Est. Cost $33.61 Unrealized —

VGT VANGUARD WORLD FD 0.3%

Value $906K (+38.5%) Shares 7,584 (+708.5%) Est. Cost $178.61 Unrealized —

VUG VANGUARD INDEX FDS 0.4%

Value $1.19M (+23.0%) Shares 13,812 (+523.8%) Est. Cost $111.86 Unrealized —

IGOV ISHARES TR 0.3%

Value $683K (+34.7%) Shares 16,646 (+34.8%) Est. Cost $41.05 Unrealized —

— BLACKROCK MUNIHLDNGS CALI 0.3%

Value $813K (+21.8%) Shares 73,838 (+15.1%) Est. Cost $10.48 Unrealized —

MSFT MICROSOFT CORP 0.2%

Value $485K (+25.4%) Shares 1,299 (+28.0%) Est. Cost $322.84 Unrealized —

ITOT ISHARES TR 0.1%

Value $377K (+30.3%) Shares 2,293 (+13.0%) Est. Cost $144.94 Unrealized —

VIG VANGUARD SPECIALIZED FUNDS 0.2%

Value $561K (+17.7%) Shares 2,369 (+7.0%) Est. Cost $163.37 Unrealized —

VNQ VANGUARD INDEX FDS 0.3%

Value $742K (+12.7%) Shares 7,697 (+3.6%) Est. Cost $90.67 Unrealized —

GLDM WORLD GOLD TR 0.8%

Value $2.117M (-3.7%) Shares 26,651 (+12.4%) Est. Cost $54.58 Unrealized —

SCHO SCHWAB STRATEGIC TR 0.1%

Value $294K (+28.5%) Shares 12,163 (+29.2%) Est. Cost $24.32 Unrealized —

VO VANGUARD INDEX FDS 0.2%

Value $519K (+12.2%) Shares 6,440 (+300.0%) Est. Cost $125.13 Unrealized —

OPEN OPENDOOR TECHNOLOGIES INC 0.0%

Value $71,610 (+31.3%) Shares 15,500 (+33.0%) Est. Cost $6.63 Unrealized —

VPU VANGUARD WORLD FD 0.1%

Value $352K (+0.5%) Shares 1,796 (+1.7%) Est. Cost $158.84 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VEA	VANGUARD TAX-MANAGED FDS	472,297 (+3.8%)	$33.65M (+15.4%)	12.7%	$46.72	—	VAN FTSE DEV MKT	921943858
VWO	VANGUARD INTL EQUITY INDEX F	182,620 (+8.8%)	$10.9M (+20.2%)	4.1%	$45.78	—	FTSE EMR MKT ETF	922042858
GOOGL	ALPHABET INC	15,236 (+2.9%)	$5.445M (+27.6%)	2.1%	$138.32	—	CAP STK CL A	02079K305
GOOG	ALPHABET INC	10,770 (+3.9%)	$3.806M (+27.9%)	1.4%	$124.76	—	CAP STK CL C	02079K107
SCHZ	SCHWAB STRATEGIC TR	562,920 (+6.9%)	$13.02M (+6.5%)	4.9%	$32.36	—	US AGGREGATE B	808524839
CORP	PIMCO ETF TR	88,576 (+7.0%)	$8.586M (+7.2%)	3.2%	$95.83	—	INV GRD CRP BD	72201R817
AAPL	APPLE INC	9,382 (+10.4%)	$2.715M (+25.2%)	1.0%	$163.01	—	COM	037833100
VTI	VANGUARD INDEX FDS	8,410 (+3.1%)	$3.112M (+18.9%)	1.2%	$264.52	—	TOTAL STK MKT	922908769
SCHV	SCHWAB STRATEGIC TR	76,290 (+1.8%)	$2.656M (+16.2%)	1.0%	$34.58	—	US LCAP VA ETF	808524409
SCHR	SCHWAB STRATEGIC TR	253,261 (+6.6%)	$6.245M (+5.5%)	2.4%	$33.76	—	INT-TRM U.S TRES	808524854
SCHA	SCHWAB STRATEGIC TR	34,931 (+2.2%)	$1.262M (+27.0%)	0.5%	$33.61	—	US SML CAP ETF	808524607
VGT	VANGUARD WORLD FD	7,584 (+708.5%)	$906K (+38.5%)	0.3%	$178.61	—	INF TECH ETF	92204A702
VUG	VANGUARD INDEX FDS	13,812 (+523.8%)	$1.19M (+23.0%)	0.4%	$111.86	—	GROWTH ETF	922908736
IGOV	ISHARES TR	16,646 (+34.8%)	$683K (+34.7%)	0.3%	$41.05	—	INTL TREA BD ETF	464288117
—	BLACKROCK MUNIHLDNGS CALI	73,838 (+15.1%)	$813K (+21.8%)	0.3%	$10.48	—	COM	09254L107
MSFT	MICROSOFT CORP	1,299 (+28.0%)	$485K (+25.4%)	0.2%	$322.84	—	COM	594918104
ITOT	ISHARES TR	2,293 (+13.0%)	$377K (+30.3%)	0.1%	$144.94	—	CORE S&P TTL STK	464287150
VIG	VANGUARD SPECIALIZED FUNDS	2,369 (+7.0%)	$561K (+17.7%)	0.2%	$163.37	—	DIV APP ETF	921908844
VNQ	VANGUARD INDEX FDS	7,697 (+3.6%)	$742K (+12.7%)	0.3%	$90.67	—	REAL ESTATE ETF	922908553
GLDM	WORLD GOLD TR	26,651 (+12.4%)	$2.117M (-3.7%)	0.8%	$54.58	—	SPDR GLD MINIS	98149E303
SCHO	SCHWAB STRATEGIC TR	12,163 (+29.2%)	$294K (+28.5%)	0.1%	$24.32	—	SHT TM US TRES	808524862
VO	VANGUARD INDEX FDS	6,440 (+300.0%)	$519K (+12.2%)	0.2%	$125.13	—	MID CAP ETF	922908629
OPEN	OPENDOOR TECHNOLOGIES INC	15,500 (+33.0%)	$71,610 (+31.3%)	0.0%	$6.63	—	COM	683712103
VPU	VANGUARD WORLD FD	1,796 (+1.7%)	$352K (+0.5%)	0.1%	$158.84	—	UTILITIES ETF	92204A876

Decreased Positions (15)

CMF ISHARES TR 5.3%

Value $13.93M (-6.7%) Shares 241,609 (-8.0%) Est. Cost $56.53 Unrealized —

VT VANGUARD INTL EQUITY INDEX F 2.5%

Value $6.708M (-10.7%) Shares 42,740 (-21.3%) Est. Cost $86.92 Unrealized —

BNDX VANGUARD CHARLOTTE FDS 0.2%

Value $542K (-44.6%) Shares 11,193 (-45.0%) Est. Cost $49.00 Unrealized —

NYF ISHARES TR 2.3%

Value $6.077M (-4.3%) Shares 112,730 (-5.7%) Est. Cost $54.97 Unrealized —

ARWR ARROWHEAD PHARMACEUTICALS IN 0.5%

Value $1.426M (+23.0%) Shares 17,497 (-5.4%) Est. Cost $31.99 Unrealized —

GNMA ISHARES TR 0.8%

Value $2.007M (-9.3%) Shares 45,377 (-9.1%) Est. Cost $43.57 Unrealized —

SCMB SCHWAB STRATEGIC TR 1.6%

Value $4.318M (-3.8%) Shares 167,230 (-5.1%) Est. Cost $34.85 Unrealized —

VDE VANGUARD WORLD FD 0.1%

Value $289K (-32.9%) Shares 1,922 (-22.7%) Est. Cost $123.72 Unrealized —

NVDA NVIDIA CORPORATION 0.3%

Value $764K (+11.5%) Shares 3,819 (-1.2%) Est. Cost $116.12 Unrealized —

SCHY SCHWAB STRATEGIC TR 0.3%

Value $817K (-7.0%) Shares 25,736 (-7.2%) Est. Cost $24.71 Unrealized —

SCHP SCHWAB STRATEGIC TR 0.2%

Value $654K (-7.3%) Shares 24,668 (-6.9%) Est. Cost $38.80 Unrealized —

BOX BOX INC 0.2%

Value $429K (+7.1%) Shares 16,172 (-4.6%) Est. Cost $28.83 Unrealized —

— NUVEEN AMT FREE QLTY MUN INC 0.2%

Value $586K (-1.9%) Shares 49,900 (-6.2%) Est. Cost $11.25 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.2%

Value $533K (+1.7%) Shares 1,066 (-2.6%) Est. Cost $308.18 Unrealized —

SCHD SCHWAB STRATEGIC TR 1.1%

Value $2.922M (-0.0%) Shares 92,155 (-3.3%) Est. Cost $40.87 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
CMF	ISHARES TR	241,609 (-8.0%)	$13.93M (-6.7%)	5.3%	$56.53	—	CALIF MUN BD ETF	464288356
VT	VANGUARD INTL EQUITY INDEX F	42,740 (-21.3%)	$6.708M (-10.7%)	2.5%	$86.92	—	TT WRLD ST ETF	922042742
BNDX	VANGUARD CHARLOTTE FDS	11,193 (-45.0%)	$542K (-44.6%)	0.2%	$49.00	—	TOTAL INT BD ETF	92203J407
NYF	ISHARES TR	112,730 (-5.7%)	$6.077M (-4.3%)	2.3%	$54.97	—	NEW YORK MUN ETF	464288323
ARWR	ARROWHEAD PHARMACEUTICALS IN	17,497 (-5.4%)	$1.426M (+23.0%)	0.5%	$31.99	—	COM	04280A100
GNMA	ISHARES TR	45,377 (-9.1%)	$2.007M (-9.3%)	0.8%	$43.57	—	GNMA BOND ETF	46429B333
SCMB	SCHWAB STRATEGIC TR	167,230 (-5.1%)	$4.318M (-3.8%)	1.6%	$34.85	—	MUN BD ETF	808524649
VDE	VANGUARD WORLD FD	1,922 (-22.7%)	$289K (-32.9%)	0.1%	$123.72	—	ENERGY ETF	92204A306
NVDA	NVIDIA CORPORATION	3,819 (-1.2%)	$764K (+11.5%)	0.3%	$116.12	—	COM	67066G104
SCHY	SCHWAB STRATEGIC TR	25,736 (-7.2%)	$817K (-7.0%)	0.3%	$24.71	—	INTERNL DIVID	808524672
SCHP	SCHWAB STRATEGIC TR	24,668 (-6.9%)	$654K (-7.3%)	0.2%	$38.80	—	US TIPS ETF	808524870
BOX	BOX INC	16,172 (-4.6%)	$429K (+7.1%)	0.2%	$28.83	—	CL A	10316T104
—	NUVEEN AMT FREE QLTY MUN INC	49,900 (-6.2%)	$586K (-1.9%)	0.2%	$11.25	—	COM	670657105
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,066 (-2.6%)	$533K (+1.7%)	0.2%	$308.18	—	CL B NEW	084670702
SCHD	SCHWAB STRATEGIC TR	92,155 (-3.3%)	$2.922M (-0.0%)	1.1%	$40.87	—	US DIVIDEND EQ	808524797

Unchanged Positions (27)

SCHB SCHWAB STRATEGIC TR 28.2%

Value $74.63M Shares 2,577,055 Est. Cost $29.75 Unrealized —

SCHF SCHWAB STRATEGIC TR 6.1%

Value $16.2M Shares 584,925 Est. Cost $25.53 Unrealized —

SIVR ABRDN SILVER ETF TRUST 1.1%

Value $2.891M Shares 51,427 Est. Cost $24.23 Unrealized —

AFRM AFFIRM HLDGS INC 0.4%

Value $1.135M Shares 13,921 Est. Cost $29.58 Unrealized —

VOO VANGUARD INDEX FDS 1.2%

Value $3.183M Shares 4,635 Est. Cost $406.26 Unrealized —

AMZN AMAZON COM INC 1.1%

Value $2.95M Shares 12,375 Est. Cost $102.98 Unrealized —

SCHE SCHWAB STRATEGIC TR 1.5%

Value $3.907M Shares 107,761 Est. Cost $23.84 Unrealized —

VEU VANGUARD INTL EQUITY INDEX F 1.0%

Value $2.717M Shares 32,445 Est. Cost $52.15 Unrealized —

IAU ISHARES GOLD TR 0.5%

Value $1.44M Shares 19,065 Est. Cost $35.39 Unrealized —

IWD ISHARES TR 0.8%

Value $1.992M Shares 8,215 Est. Cost $152.83 Unrealized —

AVGO BROADCOM INC 0.4%

Value $1.129M Shares 2,990 Est. Cost $356.35 Unrealized —

SPY STATE STR SPDR S&P 500 ETF T 0.5%

Value $1.317M Shares 1,764 Est. Cost $397.46 Unrealized —

XCEM COLUMBIA ETF TR II 0.2%

Value $560K Shares 10,590 Est. Cost $38.76 Unrealized —

QQQ INVESCO QQQ TR 0.2%

Value $524K Shares 712 Est. Cost $551.64 Unrealized —

DSI ISHARES TR 0.2%

Value $498K Shares 3,500 Est. Cost $100.91 Unrealized —

TSLA TESLA INC 0.3%

Value $677K Shares 1,609 Est. Cost $194.24 Unrealized —

VSGX VANGUARD WORLD FD 0.2%

Value $521K Shares 6,330 Est. Cost $67.50 Unrealized —

XOM EXXON MOBIL CORP 0.1%

Value $226K Shares 1,654 Est. Cost $138.74 Unrealized —

IWM ISHARES TR 0.1%

Value $284K Shares 945 Est. Cost $242.45 Unrealized —

IVV ISHARES TR 0.1%

Value $320K Shares 428 Est. Cost $529.86 Unrealized —

META META PLATFORMS INC 0.2%

Value $433K Shares 769 Est. Cost $315.19 Unrealized —

MUB ISHARES TR 0.4%

Value $1.174M Shares 10,911 Est. Cost $105.14 Unrealized —

EWA ISHARES INC 0.1%

Value $389K Shares 13,810 Est. Cost $27.76 Unrealized —

XLU SELECT SECTOR SPDR TR 0.2%

Value $421K Shares 9,280 Est. Cost $52.11 Unrealized —

PG PROCTER & GAMBLE CO 0.1%

Value $216K Shares 1,473 Est. Cost $149.87 Unrealized —

BND VANGUARD BD INDEX FDS 0.3%

Value $711K Shares 9,685 Est. Cost $71.25 Unrealized —

DWX SPDR INDEX SHS FDS 0.1%

Value $217K Shares 4,731 Est. Cost $42.70 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHB	SCHWAB STRATEGIC TR	2,577,055	$74.63M	28.2%	$29.75	—	US BRD MKT ETF	808524102
SCHF	SCHWAB STRATEGIC TR	584,925	$16.2M	6.1%	$25.53	—	INTL EQTY ETF	808524805
SIVR	ABRDN SILVER ETF TRUST	51,427	$2.891M	1.1%	$24.23	—	PHYSCL SILVR SHS	003264108
AFRM	AFFIRM HLDGS INC	13,921	$1.135M	0.4%	$29.58	—	COM CL A	00827B106
VOO	VANGUARD INDEX FDS	4,635	$3.183M	1.2%	$406.26	—	S&P 500 ETF SHS	922908363
AMZN	AMAZON COM INC	12,375	$2.95M	1.1%	$102.98	—	COM	023135106
SCHE	SCHWAB STRATEGIC TR	107,761	$3.907M	1.5%	$23.84	—	EMRG MKTEQ ETF	808524706
VEU	VANGUARD INTL EQUITY INDEX F	32,445	$2.717M	1.0%	$52.15	—	ALLWRLD EX US	922042775
IAU	ISHARES GOLD TR	19,065	$1.44M	0.5%	$35.39	—	ISHARES NEW	464285204
IWD	ISHARES TR	8,215	$1.992M	0.8%	$152.83	—	RUS 1000 VAL ETF	464287598
AVGO	BROADCOM INC	2,990	$1.129M	0.4%	$356.35	—	COM	11135F101
SPY	STATE STR SPDR S&P 500 ETF T	1,764	$1.317M	0.5%	$397.46	—	TR UNIT	78462F103
XCEM	COLUMBIA ETF TR II	10,590	$560K	0.2%	$38.76	—	EM CORE EX ETF	19762B202
QQQ	INVESCO QQQ TR	712	$524K	0.2%	$551.64	—	UNIT SER 1	46090E103
DSI	ISHARES TR	3,500	$498K	0.2%	$100.91	—	ESG MSCI KLD ETF	464288570
TSLA	TESLA INC	1,609	$677K	0.3%	$194.24	—	COM	88160R101
VSGX	VANGUARD WORLD FD	6,330	$521K	0.2%	$67.50	—	ESG INTL STK ETF	921910725
XOM	EXXON MOBIL CORP	1,654	$226K	0.1%	$138.74	—	COM	30231G102
IWM	ISHARES TR	945	$284K	0.1%	$242.45	—	RUSSELL 2000 ETF	464287655
IVV	ISHARES TR	428	$320K	0.1%	$529.86	—	CORE S&P500 ETF	464287200
META	META PLATFORMS INC	769	$433K	0.2%	$315.19	—	CL A	30303M102
MUB	ISHARES TR	10,911	$1.174M	0.4%	$105.14	—	NATIONAL MUN ETF	464288414
EWA	ISHARES INC	13,810	$389K	0.1%	$27.76	—	MSCI AUST ETF	464286103
XLU	SELECT SECTOR SPDR TR	9,280	$421K	0.2%	$52.11	—	ST STR UTIL ETF	81369Y886
PG	PROCTER & GAMBLE CO	1,473	$216K	0.1%	$149.87	—	COM	742718109
BND	VANGUARD BD INDEX FDS	9,685	$711K	0.3%	$71.25	—	TOTAL BND MRKT	921937835
DWX	SPDR INDEX SHS FDS	4,731	$217K	0.1%	$42.70	—	ST S&P INTL ETF	78463X772