Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
CMF	ISHARES TR	50,270	$2.898M	1.8%	$57.64	—	CALIF MUN BD ETF	464288356
DJD	INVESCO EXCHANGE TRADED FD T	7,947	$504K	0.3%	$63.37	—	DJ INDL AVG DV	46137V605
PSI	INVESCO EXCHANGE TRADED FD T	2,104	$395K	0.2%	$187.85	—	SEMICONDUCTORS	46137V647
AMD	ADVANCED MICRO DEVICES INC	589	$342K	0.2%	$580.91	—	COM	007903107
QLD	PROSHARES TR	2,451	$237K	0.1%	$96.76	—	PSHS ULTRA QQQ	74347R206
FITB	FIFTH THIRD BANCORP	4,163	$235K	0.1%	$56.37	—	COM	316773100
MO	ALTRIA GROUP INC	2,972	$214K	0.1%	$71.95	—	COM	02209S103
RSPR	INVESCO EXCHANGE TRADED FD T	5,840	$214K	0.1%	$36.57	—	S&P500 EQL REL	46137V290
DGRS	WISDOMTREE TR	3,381	$201K	0.1%	$59.36	—	US S CAP QTY DIV	97717X651

Increased Positions (13)

SCHV SCHWAB STRATEGIC TR 13.0%

Value $20.54M (+16.1%) Shares 589,947 (+1.7%) Est. Cost $27.14 Unrealized —

VBR VANGUARD INDEX FDS 3.8%

Value $5.982M (+14.4%) Shares 24,620 (+2.2%) Est. Cost $191.35 Unrealized —

SCHE SCHWAB STRATEGIC TR 2.8%

Value $4.371M (+12.5%) Shares 120,559 (+2.2%) Est. Cost $28.51 Unrealized —

SCHD SCHWAB STRATEGIC TR 4.1%

Value $6.566M (+6.7%) Shares 207,076 (+3.2%) Est. Cost $28.16 Unrealized —

QQQ INVESCO QQQ TR 0.6%

Value $1.028M (+29.6%) Shares 1,396 (+1.6%) Est. Cost $494.68 Unrealized —

GILD GILEAD SCIENCES INC 0.4%

Value $614K (+23.7%) Shares 4,859 (+36.5%) Est. Cost $116.05 Unrealized —

VO VANGUARD INDEX FDS 0.7%

Value $1.155M (+8.2%) Shares 14,336 (+285.7%) Est. Cost $126.81 Unrealized —

VUG VANGUARD INDEX FDS 0.2%

Value $333K (+15.3%) Shares 3,869 (+484.4%) Est. Cost $135.02 Unrealized —

CVX CHEVRON CORPORATION 0.3%

Value $399K (+7.8%) Shares 2,405 (+34.6%) Est. Cost $157.40 Unrealized —

DDWM WISDOMTREE TR 0.2%

Value $377K (+6.2%) Shares 8,169 (+1.4%) Est. Cost $36.92 Unrealized —

IQLT ISHARES TR 0.1%

Value $231K (+8.8%) Shares 4,670 (+1.5%) Est. Cost $43.31 Unrealized —

SCHJ SCHWAB STRATEGIC TR 0.5%

Value $841K (+0.9%) Shares 34,109 (+1.1%) Est. Cost $24.65 Unrealized —

HYS PIMCO ETF TR 0.2%

Value $258K (+2.1%) Shares 2,755 (+1.8%) Est. Cost $93.73 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHV	SCHWAB STRATEGIC TR	589,947 (+1.7%)	$20.54M (+16.1%)	13.0%	$27.14	—	US LCAP VA ETF	808524409
VBR	VANGUARD INDEX FDS	24,620 (+2.2%)	$5.982M (+14.4%)	3.8%	$191.35	—	SM CP VAL ETF	922908611
SCHE	SCHWAB STRATEGIC TR	120,559 (+2.2%)	$4.371M (+12.5%)	2.8%	$28.51	—	EMRG MKTEQ ETF	808524706
SCHD	SCHWAB STRATEGIC TR	207,076 (+3.2%)	$6.566M (+6.7%)	4.1%	$28.16	—	US DIVIDEND EQ	808524797
QQQ	INVESCO QQQ TR	1,396 (+1.6%)	$1.028M (+29.6%)	0.6%	$494.68	—	UNIT SER 1	46090E103
GILD	GILEAD SCIENCES INC	4,859 (+36.5%)	$614K (+23.7%)	0.4%	$116.05	—	COM	375558103
VO	VANGUARD INDEX FDS	14,336 (+285.7%)	$1.155M (+8.2%)	0.7%	$126.81	—	MID CAP ETF	922908629
VUG	VANGUARD INDEX FDS	3,869 (+484.4%)	$333K (+15.3%)	0.2%	$135.02	—	GROWTH ETF	922908736
CVX	CHEVRON CORPORATION	2,405 (+34.6%)	$399K (+7.8%)	0.3%	$157.40	—	COM	166764100
DDWM	WISDOMTREE TR	8,169 (+1.4%)	$377K (+6.2%)	0.2%	$36.92	—	DYNAMIC INTL EQT	97717X263
IQLT	ISHARES TR	4,670 (+1.5%)	$231K (+8.8%)	0.1%	$43.31	—	MSCI INTL QUALTY	46434V456
SCHJ	SCHWAB STRATEGIC TR	34,109 (+1.1%)	$841K (+0.9%)	0.5%	$24.65	—	1 5YR CORP BD	808524714
HYS	PIMCO ETF TR	2,755 (+1.8%)	$258K (+2.1%)	0.2%	$93.73	—	0-5 HIGH YIELD	72201R783

Decreased Positions (28)

AAPL APPLE INC 15.3%

Value $24.16M (-15.4%) Shares 83,496 (-25.8%) Est. Cost $230.12 Unrealized —

CSCO CISCO SYS INC 1.1%

Value $1.701M (+46.7%) Shares 14,479 (-3.1%) Est. Cost $68.47 Unrealized —

SCHF SCHWAB STRATEGIC TR 4.0%

Value $6.388M (+8.6%) Shares 230,631 (-3.0%) Est. Cost $20.05 Unrealized —

SNDK SANDISK CORP 0.4%

Value $637K (+209.3%) Shares 280 (-13.6%) Est. Cost $516.50 Unrealized —

TSLA TESLA INC 2.3%

Value $3.617M (+10.9%) Shares 8,599 (-2.0%) Est. Cost $332.52 Unrealized —

WDC WESTERN DIGITAL CORP 0.4%

Value $558K (+111.5%) Shares 874 (-10.5%) Est. Cost $251.23 Unrealized —

SCHA SCHWAB STRATEGIC TR 1.2%

Value $1.823M (+19.2%) Shares 50,462 (-4.1%) Est. Cost $23.48 Unrealized —

SCHM SCHWAB STRATEGIC TR 1.2%

Value $1.949M (+16.2%) Shares 52,854 (-2.4%) Est. Cost $26.20 Unrealized —

AMZN AMAZON COM INC 1.3%

Value $2.064M (+13.0%) Shares 8,658 (-1.3%) Est. Cost $217.17 Unrealized —

VYM VANGUARD WHITEHALL FDS 0.9%

Value $1.491M (-13.5%) Shares 9,435 (-18.9%) Est. Cost $128.96 Unrealized —

GOOG ALPHABET INC 1.1%

Value $1.778M (+14.8%) Shares 5,032 (-6.8%) Est. Cost $209.93 Unrealized —

ISRG INTUITIVE SURGICAL INC 0.3%

Value $461K (-29.8%) Shares 1,158 (-18.7%) Est. Cost $553.02 Unrealized —

NVMI NOVA LTD 1.1%

Value $1.796M (+11.4%) Shares 3,307 (-10.9%) Est. Cost $249.42 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.2%

Value $307K (-36.0%) Shares 614 (-38.7%) Est. Cost $486.15 Unrealized —

SCHI SCHWAB STRATEGIC TR 2.7%

Value $4.236M (-3.9%) Shares 187,106 (-3.7%) Est. Cost $22.51 Unrealized —

V VISA INC 0.6%

Value $964K (+12.0%) Shares 2,811 (-1.3%) Est. Cost $336.32 Unrealized —

VIG VANGUARD SPECIALIZED FUNDS 0.3%

Value $439K (-15.7%) Shares 1,856 (-23.4%) Est. Cost $194.58 Unrealized —

SCHQ SCHWAB STRATEGIC TR 0.7%

Value $1.09M (-6.8%) Shares 34,831 (-6.4%) Est. Cost $32.62 Unrealized —

NTAP NETAPP INC 0.2%

Value $322K (+30.9%) Shares 2,079 (-13.4%) Est. Cost $108.30 Unrealized —

SCHO SCHWAB STRATEGIC TR 0.8%

Value $1.265M (-5.2%) Shares 52,412 (-4.7%) Est. Cost $24.34 Unrealized —

BSCR INVESCO EXCH TRD SLF IDX FD 0.3%

Value $404K (-11.8%) Shares 20,607 (-11.7%) Est. Cost $19.63 Unrealized —

SCHY SCHWAB STRATEGIC TR 0.9%

Value $1.402M (-3.7%) Shares 44,188 (-3.9%) Est. Cost $25.49 Unrealized —

BSCQ INVESCO EXCH TRD SLF IDX FD 0.2%

Value $361K (-11.1%) Shares 18,470 (-11.0%) Est. Cost $19.51 Unrealized —

SCHZ SCHWAB STRATEGIC TR 0.3%

Value $505K (-6.5%) Shares 21,826 (-6.1%) Est. Cost $23.17 Unrealized —

COST COSTCO WHOLESALE CORPORATION 0.2%

Value $316K (-9.5%) Shares 338 (-3.7%) Est. Cost $971.07 Unrealized —

SCHR SCHWAB STRATEGIC TR 0.1%

Value $207K (-13.3%) Shares 8,378 (-12.4%) Est. Cost $24.86 Unrealized —

SPY STATE STR SPDR S&P 500 ETF T 1.2%

Value $1.899M (-0.5%) Shares 2,543 (-13.4%) Est. Cost $559.46 Unrealized —

VTV VANGUARD INDEX FDS 1.2%

Value $1.9M (-0.3%) Shares 8,720 (-10.3%) Est. Cost $172.74 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
AAPL	APPLE INC	83,496 (-25.8%)	$24.16M (-15.4%)	15.3%	$230.12	—	COM	037833100
CSCO	CISCO SYS INC	14,479 (-3.1%)	$1.701M (+46.7%)	1.1%	$68.47	—	COM	17275R102
SCHF	SCHWAB STRATEGIC TR	230,631 (-3.0%)	$6.388M (+8.6%)	4.0%	$20.05	—	INTL EQTY ETF	808524805
SNDK	SANDISK CORP	280 (-13.6%)	$637K (+209.3%)	0.4%	$516.50	—	COM	80004C200
TSLA	TESLA INC	8,599 (-2.0%)	$3.617M (+10.9%)	2.3%	$332.52	—	COM	88160R101
WDC	WESTERN DIGITAL CORP	874 (-10.5%)	$558K (+111.5%)	0.4%	$251.23	—	COM	958102105
SCHA	SCHWAB STRATEGIC TR	50,462 (-4.1%)	$1.823M (+19.2%)	1.2%	$23.48	—	US SML CAP ETF	808524607
SCHM	SCHWAB STRATEGIC TR	52,854 (-2.4%)	$1.949M (+16.2%)	1.2%	$26.20	—	US MID-CAP ETF	808524508
AMZN	AMAZON COM INC	8,658 (-1.3%)	$2.064M (+13.0%)	1.3%	$217.17	—	COM	023135106
VYM	VANGUARD WHITEHALL FDS	9,435 (-18.9%)	$1.491M (-13.5%)	0.9%	$128.96	—	HIGH DIV YLD	921946406
GOOG	ALPHABET INC	5,032 (-6.8%)	$1.778M (+14.8%)	1.1%	$209.93	—	CAP STK CL C	02079K107
ISRG	INTUITIVE SURGICAL INC	1,158 (-18.7%)	$461K (-29.8%)	0.3%	$553.02	—	COM NEW	46120E602
NVMI	NOVA LTD	3,307 (-10.9%)	$1.796M (+11.4%)	1.1%	$249.42	—	COM	M7516K103
BRK/B	BERKSHIRE HATHAWAY INC DEL	614 (-38.7%)	$307K (-36.0%)	0.2%	$486.15	—	CL B NEW	084670702
SCHI	SCHWAB STRATEGIC TR	187,106 (-3.7%)	$4.236M (-3.9%)	2.7%	$22.51	—	5 10YR CORP BD	808524698
V	VISA INC	2,811 (-1.3%)	$964K (+12.0%)	0.6%	$336.32	—	COM CL A	92826C839
VIG	VANGUARD SPECIALIZED FUNDS	1,856 (-23.4%)	$439K (-15.7%)	0.3%	$194.58	—	DIV APP ETF	921908844
SCHQ	SCHWAB STRATEGIC TR	34,831 (-6.4%)	$1.09M (-6.8%)	0.7%	$32.62	—	LONG TERM US	808524680
NTAP	NETAPP INC	2,079 (-13.4%)	$322K (+30.9%)	0.2%	$108.30	—	COM	64110D104
SCHO	SCHWAB STRATEGIC TR	52,412 (-4.7%)	$1.265M (-5.2%)	0.8%	$24.34	—	SHT TM US TRES	808524862
BSCR	INVESCO EXCH TRD SLF IDX FD	20,607 (-11.7%)	$404K (-11.8%)	0.3%	$19.63	—	BULSHS 2027 CB	46138J783
SCHY	SCHWAB STRATEGIC TR	44,188 (-3.9%)	$1.402M (-3.7%)	0.9%	$25.49	—	INTERNL DIVID	808524672
BSCQ	INVESCO EXCH TRD SLF IDX FD	18,470 (-11.0%)	$361K (-11.1%)	0.2%	$19.51	—	BULSHS 2026 CB	46138J791
SCHZ	SCHWAB STRATEGIC TR	21,826 (-6.1%)	$505K (-6.5%)	0.3%	$23.17	—	US AGGREGATE B	808524839
COST	COSTCO WHOLESALE CORPORATION	338 (-3.7%)	$316K (-9.5%)	0.2%	$971.07	—	COM	22160K105
SCHR	SCHWAB STRATEGIC TR	8,378 (-12.4%)	$207K (-13.3%)	0.1%	$24.86	—	INT-TRM U.S TRES	808524854
SPY	STATE STR SPDR S&P 500 ETF T	2,543 (-13.4%)	$1.899M (-0.5%)	1.2%	$559.46	—	TR UNIT	78462F103
VTV	VANGUARD INDEX FDS	8,720 (-10.3%)	$1.9M (-0.3%)	1.2%	$172.74	—	VALUE ETF	922908744

Unchanged Positions (17)

SCHG SCHWAB STRATEGIC TR 15.6%

Value $24.64M Shares 728,152 Est. Cost $25.39 Unrealized —

LRCX LAM RESEARCH CORP 2.5%

Value $3.996M Shares 9,222 Est. Cost $78.11 Unrealized —

AMAT APPLIED MATLS INC 1.5%

Value $2.333M Shares 3,227 Est. Cost $239.49 Unrealized —

VBK VANGUARD INDEX FDS 3.7%

Value $5.882M Shares 16,084 Est. Cost $259.14 Unrealized —

NVDA NVIDIA CORPORATION 0.8%

Value $1.316M Shares 6,576 Est. Cost $126.71 Unrealized —

LITE LUMENTUM HLDGS INC 0.5%

Value $772K Shares 900 Est. Cost $76.95 Unrealized —

VB VANGUARD INDEX FDS 0.5%

Value $812K Shares 2,679 Est. Cost $221.74 Unrealized —

EPS WISDOMTREE TR 0.4%

Value $685K Shares 8,801 Est. Cost $59.28 Unrealized —

DES WISDOMTREE TR 0.4%

Value $699K Shares 17,194 Est. Cost $31.96 Unrealized —

VTI VANGUARD INDEX FDS 0.3%

Value $517K Shares 1,396 Est. Cost $274.91 Unrealized —

GOOGL ALPHABET INC 0.2%

Value $325K Shares 910 Est. Cost $209.20 Unrealized —

XOM EXXON MOBIL CORP 0.1%

Value $228K Shares 1,671 Est. Cost $138.74 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 0.2%

Value $256K Shares 3,594 Est. Cost $59.96 Unrealized —

DON WISDOMTREE TR 0.2%

Value $283K Shares 5,010 Est. Cost $49.52 Unrealized —

— EATON VANCE TAX-MANAGED DIVE 0.2%

Value $324K Shares 22,259 Est. Cost $14.54 Unrealized —

MSFT MICROSOFT CORP 0.3%

Value $497K Shares 1,333 Est. Cost $405.49 Unrealized —

VMBS VANGUARD SCOTTSDALE FDS 1.8%

Value $2.856M Shares 61,010 Est. Cost $46.33 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHG	SCHWAB STRATEGIC TR	728,152	$24.64M	15.6%	$25.39	—	US LCAP GR ETF	808524300
LRCX	LAM RESEARCH CORP	9,222	$3.996M	2.5%	$78.11	—	COM NEW	512807306
AMAT	APPLIED MATLS INC	3,227	$2.333M	1.5%	$239.49	—	COM	038222105
VBK	VANGUARD INDEX FDS	16,084	$5.882M	3.7%	$259.14	—	SML CP GRW ETF	922908595
NVDA	NVIDIA CORPORATION	6,576	$1.316M	0.8%	$126.71	—	COM	67066G104
LITE	LUMENTUM HLDGS INC	900	$772K	0.5%	$76.95	—	COM	55024U109
VB	VANGUARD INDEX FDS	2,679	$812K	0.5%	$221.74	—	SMALL CP ETF	922908751
EPS	WISDOMTREE TR	8,801	$685K	0.4%	$59.28	—	US LARGECAP FUND	97717W588
DES	WISDOMTREE TR	17,194	$699K	0.4%	$31.96	—	US SMALLCAP DIVD	97717W604
VTI	VANGUARD INDEX FDS	1,396	$517K	0.3%	$274.91	—	TOTAL STK MKT	922908769
GOOGL	ALPHABET INC	910	$325K	0.2%	$209.20	—	CAP STK CL A	02079K305
XOM	EXXON MOBIL CORP	1,671	$228K	0.1%	$138.74	—	COM	30231G102
VEA	VANGUARD TAX-MANAGED FDS	3,594	$256K	0.2%	$59.96	—	VAN FTSE DEV MKT	921943858
DON	WISDOMTREE TR	5,010	$283K	0.2%	$49.52	—	US MIDCAP DIVID	97717W505
—	EATON VANCE TAX-MANAGED DIVE	22,259	$324K	0.2%	$14.54	—	COM	27828N102
MSFT	MICROSOFT CORP	1,333	$497K	0.3%	$405.49	—	COM	594918104
VMBS	VANGUARD SCOTTSDALE FDS	61,010	$2.856M	1.8%	$46.33	—	MTG-BKD SECS ETF	92206C771