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
OMB APPROVAL
OMB Number: 3235-0006
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Advanced Micro Devices Equities 007903107   3,211,588 28,276 SH   SOLE   0 0 28,276
Amazon.com Inc Equities 023135106   1,560,015 12,271 SH   SOLE   0 0 12,271
Apple Inc Equities 037833100   11,319,916 60,018 SH   SOLE   0 0 60,018
AT&T Inc Equities 00206R102   421,012 27,571 SH   SOLE   0 0 27,571
BlackRock Ultra Short Term Bond ETF ETF 46434V878   37,497,408 747,332 SH   SOLE   0 0 747,332
Charles Schwab Corp Equities 808513105   630,209 10,898 SH   SOLE   0 0 10,898
Chevron Corp Equities 166764100   1,912,285 12,317 SH   SOLE   0 0 12,317
Cisco Systems Inc Equities 17275R102   912,557 17,754 SH   SOLE   0 0 17,754
Cloudflare Inc Equities 18915M107   793,945 12,125 SH   SOLE   0 0 12,125
Consumer Staples SPDR ETF ETF 81369Y308   19,407,775 264,267 SH   SOLE   0 0 264,267
CytoDyn Inc Equities 23283M101   24,024 91,000 SH   SOLE   0 0 91,000
Extreme Networks Inc Equities 30226D106   5,543,813 202,034 SH   SOLE   0 0 202,034
Exxon Mobil Corp Equities 30231G102   1,211,443 11,572 SH   SOLE   0 0 11,572
Hop-On Inc Equities 439338203   1,190 1,700,000 SH   SOLE   0 0 1,700,000
Intel Corp Equities 458140100   657,361 20,078 SH   SOLE   0 0 20,078
iShares Core S&P Small Cap ETF ETF 464287804   14,474,901 145,214 SH   SOLE   0 0 145,214
iShares Floating Rate ETF ETF 46429B655   14,805,301 292,537 SH   SOLE   0 0 292,537
iShares MSCI EAFE Index ETF 464287465   2,104,646 29,601 SH   SOLE   0 0 29,601
iShares Russell 2000 ETF ETF 464287655   2,789,823 14,850 SH   SOLE   0 0 14,850
Merck & Co Inc Equities 58933Y105   1,210,195 11,006 SH   SOLE   0 0 11,006
Microsoft Corp Equities 594918104   5,619,605 16,935 SH   SOLE   0 0 16,935
Pfizer Inc Equities 717081103   876,385 24,562 SH   SOLE   0 0 24,562
PG&E Corp Equities 69331C108   242,883 13,999 SH   SOLE   0 0 13,999
PS Interest Rate Hedged ETF ETF 74347B607   63,539,160 873,631 SH   SOLE   0 0 873,631
Schwab Fundamental Intl Large Co ETF ETF 808524755   24,764,000 776,301 SH   SOLE   0 0 776,301
Schwab US Dividend Equity ETF ETF 808524797   19,319,109 266,912 SH   SOLE   0 0 266,912
Schwab US Large Cap ETF ETF 808524201   1,416,621 27,237 SH   SOLE   0 0 27,237
Schwab US Mid Cap ETF ETF 808524508   5,794,637 81,169 SH   SOLE   0 0 81,169
Schwab US Small Cap ETF ETF 808524607   473,631 10,740 SH   SOLE   0 0 10,740
Uber Technologies Inc Equities 90353T100   1,574,603 36,807 SH   SOLE   0 0 36,807
VanEck IG Floating Rate ETF ETF 92189F486   24,308,077 966,140 SH   SOLE   0 0 966,140
Vanguard Dividend Appreciation ETF ETF 921908844   19,024,133 118,486 SH   SOLE   0 0 118,486
Vanguard Health Care ETF ETF 92204A504   24,955,224 103,708 SH   SOLE   0 0 103,708
Vanguard High Dividend Yield ETF Equities 921946406   1,065,312 10,094 SH   SOLE   0 0 10,094
Vanguard Intermediate Term Corporate ETF ETF 92206C870   56,626,405 726,632 SH   SOLE   0 0 726,632
Vanguard International Dividend ETF ETF 921946810   31,728,371 430,449 SH   SOLE   0 0 430,449
Vanguard Intl High Dividend ETF ETF 921946794   17,020,600 272,810 SH   SOLE   0 0 272,810
Vanguard Mega Cap Blend ETF ETF 921910873   6,640,790 42,891 SH   SOLE   0 0 42,891
Vanguard Mega Cap Value ETF ETF 921910840   17,363,932 168,779 SH   SOLE   0 0 168,779
Vanguard Mid Cap Value ETF ETF 922908512   19,486,770 139,830 SH   SOLE   0 0 139,830
Vanguard Small Cap Value Index ETF ETF 922908611   11,669,428 70,192 SH   SOLE   0 0 70,192
Verizon Communications Inc Equities 92343V104   495,750 14,108 SH   SOLE   0 0 14,108
Workday Inc Equities 98138H101   4,984,429 22,412 SH   SOLE   0 0 22,412