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
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 9,189 65,291 SH   SOLE   63,017 0 2,274
ABBVIE INC COM 00287Y109 786 5,807 SH   SOLE   5,807 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 3,086 7,444 SH   SOLE   7,444 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 434 766 SH   SOLE   766 0 0
AFFIRM HLDGS INC COM CL A 00827B106 5,213 51,840 SH   SOLE   50,323 0 1,517
AFLAC INC COM 001055102 439 7,519 SH   SOLE   7,519 0 0
ALPHABET INC CAP STK CL A 02079K305 19,674 6,791 SH   SOLE   6,627 0 164
ALPHABET INC CAP STK CL C 02079K107 2,127 735 SH   SOLE   735 0 0
ALTRIA GROUP INC COM 02209S103 225 4,748 SH   SOLE   4,748 0 0
AMAZON COM INC COM 023135106 20,790 6,235 SH   SOLE   6,071 0 164
AMERICAN TOWER CORP NEW COM 03027X100 4,488 15,344 SH   SOLE   14,759 0 585
APPLE INC COM 037833100 33,384 188,006 SH   SOLE   183,736 0 4,270
ARISTA NETWORKS INC COM 040413106 489 3,400 SH   SOLE   3,400 0 0
ATRECA INC CL A COM 04965G109 38 12,500 SH   SOLE   12,500 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,151 3,851 SH   SOLE   3,851 0 0
BLACKROCK INC COM 09247X101 8,321 9,088 SH   SOLE   8,785 0 303
BLOCK INC CL A 852234103 306 1,894 SH   SOLE   1,894 0 0
BOEING CO COM 097023105 7,418 36,845 SH   SOLE   35,572 0 1,273
BOOKING HOLDINGS INC COM 09857L108 11,298 4,709 SH   SOLE   4,563 0 146
BRISTOL-MYERS SQUIBB CO COM 110122108 257 4,128 SH   SOLE   3,428 0 700
CHEVRON CORP NEW COM 166764100 7,502 63,930 SH   SOLE   61,897 0 2,033
CHUBB LIMITED COM H1467J104 7,821 40,460 SH   SOLE   39,314 0 1,146
CISCO SYS INC COM 17275R102 1,606 25,340 SH   SOLE   24,748 0 592
CME GROUP INC COM 12572Q105 10,626 46,513 SH   SOLE   44,758 0 1,755
COINBASE GLOBAL INC COM CL A 19260Q107 3,834 15,192 SH   SOLE   14,755 0 437
COMCAST CORP NEW CL A 20030N101 242 4,809 SH   SOLE   4,809 0 0
CONSTELLATION BRANDS INC CL A 21036P108 3,620 14,423 SH   SOLE   14,075 0 348
COSTCO WHSL CORP NEW COM 22160K105 2,313 4,075 SH   SOLE   4,075 0 0
COUPA SOFTWARE INC COM 22266L106 1,710 10,819 SH   SOLE   10,819 0 0
CVS HEALTH CORP COM 126650100 7,956 77,124 SH   SOLE   74,191 0 2,933
DAILY JOURNAL CORP COM 233912104 219 613 SH   SOLE   613 0 0
DANAHER CORPORATION COM 235851102 10,416 31,659 SH   SOLE   30,600 0 1,059
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 3,918 75,778 SH   SOLE   75,778 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 548 18,915 SH   SOLE   18,915 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 478 10,068 SH   SOLE   10,068 0 0
DISNEY WALT CO COM 254687106 8,048 51,960 SH   SOLE   50,518 0 1,442
DOLLAR GEN CORP NEW COM 256677105 1,974 8,370 SH   SOLE   8,370 0 0
ECOLAB INC COM 278865100 8,916 38,005 SH   SOLE   36,923 0 1,082
ETSY INC COM 29786A106 339 1,550 SH   SOLE   1,550 0 0
EXXON MOBIL CORP COM 30231G102 750 12,254 SH   SOLE   12,018 0 236
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 249 1,102 SH   SOLE   1,102 0 0
FIRST TR LRGE CP CORE ALPHA COM SHS 33734K109 332 3,599 SH   SOLE   3,599 0 0
FISERV INC COM 337738108 757 7,291 SH   SOLE   7,291 0 0
FIVE9 INC COM 338307101 443 3,224 SH   SOLE   3,224 0 0
GENERAL ELECTRIC CO COM NEW 369604301 3,760 39,797 SH   SOLE   38,192 0 1,605
HERSHEY CO COM 427866108 5,591 28,899 SH   SOLE   28,036 0 863
HOLOGIC INC COM 436440101 269 3,509 SH   SOLE   3,509 0 0
HOME DEPOT INC COM 437076102 2,337 5,631 SH   SOLE   5,631 0 0
HONEYWELL INTL INC COM 438516106 7,372 35,357 SH   SOLE   34,386 0 971
INTEL CORP COM 458140100 7,415 143,975 SH   SOLE   140,086 0 3,889
INTERNATIONAL BUSINESS MACHS COM 459200101 327 2,444 SH   SOLE   2,444 0 0
INTUIT COM 461202103 751 1,167 SH   SOLE   1,167 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 200 1,231 SH   SOLE   1,231 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 356 896 SH   SOLE   896 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 3,068 77,186 SH   SOLE   77,186 0 0
ISHARES INC CORE MSCI EMKT 46434G103 281 4,701 SH   SOLE   4,701 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 55 1,384 SH   OTR   0 0 1,384
ISHARES TR MSCI EAFE ETF 464287465 150,883 1,917,682 SH   SOLE   1,865,324 0 52,359
ISHARES TR RUSSELL 2000 ETF 464287655 115,056 517,223 SH   SOLE   502,282 0 14,941
ISHARES TR CORE S&P MCP ETF 464287507 92,540 326,906 SH   SOLE   317,273 0 9,633
ISHARES TR CORE S&P US VLU 464287663 65,539 858,517 SH   SOLE   832,356 0 26,161
ISHARES TR CORE S&P500 ETF 464287200 39,771 83,380 SH   SOLE   83,380 0 0
ISHARES TR CORE US AGGBD ET 464287226 22,786 199,738 SH   SOLE   198,571 0 1,167
ISHARES TR BLACKROCK ULTRA 46434V878 19,773 392,409 SH   SOLE   391,417 0 992
ISHARES TR JPMORGAN USD EMG 464288281 16,690 153,037 SH   SOLE   149,492 0 3,545
ISHARES TR ESG AWR MSCI USA 46435G425 6,662 61,743 SH   SOLE   61,743 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 5,325 67,019 SH   SOLE   67,019 0 0
ISHARES TR ESG AWARE MSCI 46435U663 5,076 125,890 SH   SOLE   125,890 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 4,778 225,694 SH   SOLE   219,456 0 6,238
ISHARES TR RUSSELL 3000 ETF 464287689 4,003 14,427 SH   SOLE   14,427 0 0
ISHARES TR MSCI ACWI EX US 464288240 2,941 52,896 SH   SOLE   52,896 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 2,833 57,985 SH   SOLE   57,985 0 0
ISHARES TR RUS 1000 ETF 464287622 2,705 10,230 SH   SOLE   10,230 0 0
ISHARES TR MSCI ACWI ETF 464288257 2,247 21,246 SH   OTR   21,246 0 0
ISHARES TR MSCI ACWI EX US 464288240 2,143 38,550 SH   OTR   38,550 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 2,014 6,872 SH   SOLE   6,709 0 163
ISHARES TR S&P 100 ETF 464287101 1,558 7,112 SH   SOLE   7,112 0 0
ISHARES TR CORE S&P US VLU 464287663 1,269 16,619 SH   OTR   16,619 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,148 4,054 SH   OTR   4,054 0 0
ISHARES TR NATIONAL MUN ETF 464288414 981 8,435 SH   SOLE   6,691 0 1,744
ISHARES TR RUS 1000 GRW ETF 464287614 804 2,631 SH   SOLE   2,631 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 544 3,239 SH   SOLE   3,239 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 445 17,492 SH   SOLE   17,435 0 57
ISHARES TR MSCI USA ESG SLC 464288802 287 2,701 SH   SOLE   2,701 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 238 1,436 SH   SOLE   1,436 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 231 2,761 SH   SOLE   2,761 0 0
ISHARES TR MBS ETF 464288588 221 2,060 SH   SOLE   2,060 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 108 1,000 SH   OTR   0 0 1,000
ISHARES TR ESG AW MSCI EAFE 46435G516 107 1,342 SH   OTR   0 0 1,342
ISHARES TR ESG AWARE MSCI 46435U663 104 2,581 SH   OTR   0 0 2,581
ISHARES TR GL CLEAN ENE ETF 464288224 51 2,425 SH   OTR   0 0 2,425
ISHARES TR MSCI ACWI ETF 464288257 36 336 SH   SOLE   336 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 13,619 272,662 SH   SOLE   272,662 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 12,912 255,775 SH   SOLE   255,775 0 0
JACOBS ENGR GROUP INC COM 469814107 284 2,042 SH   SOLE   2,042 0 0
JOHNSON & JOHNSON COM 478160104 9,176 53,639 SH   SOLE   52,311 0 1,328
JPMORGAN CHASE & CO COM 46625H100 13,741 86,775 SH   SOLE   84,022 0 2,753
KEYSIGHT TECHNOLOGIES INC COM 49338L103 5,567 26,956 SH   SOLE   26,088 0 868
LOWES COS INC COM 548661107 351 1,358 SH   SOLE   1,358 0 0
MASTERCARD INCORPORATED CL A 57636Q104 208 579 SH   SOLE   579 0 0
MCDONALDS CORP COM 580135101 357 1,332 SH   SOLE   1,332 0 0
MERCK & CO INC COM 58933Y105 2,803 36,579 SH   SOLE   35,383 0 1,196
META PLATFORMS INC CL A 30303M102 9,157 27,225 SH   SOLE   26,467 0 758
MICROSOFT CORP COM 594918104 20,585 61,208 SH   SOLE   58,662 0 2,546
MONDELEZ INTL INC CL A 609207105 7,013 105,767 SH   SOLE   101,633 0 4,134
MOODYS CORP COM 615369105 314 803 SH   SOLE   803 0 0
NEW YORK TIMES CO CL A 650111107 235 4,865 SH   SOLE   4,865 0 0
NIKE INC CL B 654106103 232 1,392 SH   SOLE   1,392 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 2,469 63,530 SH   SOLE   62,757 0 773
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 28 715 SH   OTR   0 0 715
NVIDIA CORPORATION COM 67066G104 11,922 40,536 SH   SOLE   39,322 0 1,214
OKTA INC CL A 679295105 303 1,350 SH   SOLE   1,350 0 0
ORACLE CORP COM 68389X105 736 8,444 SH   SOLE   8,444 0 0
PARKER-HANNIFIN CORP COM 701094104 8,093 25,441 SH   SOLE   24,561 0 880
PAYPAL HLDGS INC COM 70450Y103 4,709 24,970 SH   SOLE   24,397 0 573
PEPSICO INC COM 713448108 332 1,911 SH   SOLE   1,911 0 0
PFIZER INC COM 717081103 432 7,308 SH   SOLE   5,308 0 2,000
PHILIP MORRIS INTL INC COM 718172109 226 2,383 SH   SOLE   1,683 0 700
POWERFLEET INC COM 73931J109 506 106,780 SH   SOLE   106,780 0 0
PROCTER AND GAMBLE CO COM 742718109 8,841 54,046 SH   SOLE   52,029 0 2,017
PROGRESSIVE CORP COM 743315103 898 8,750 SH   SOLE   8,750 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 258 3,002 SH   SOLE   3,002 0 0
REALTY INCOME CORP COM 756109104 249 3,482 SH   SOLE   3,482 0 0
S&P GLOBAL INC COM 78409V104 255 541 SH   SOLE   541 0 0
SALESFORCE COM INC COM 79466L302 9,946 39,137 SH   SOLE   38,110 0 1,027
SCHWAB CHARLES CORP COM 808513105 534 6,348 SH   SOLE   6,348 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,339 29,339 SH   OTR   29,339 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,690 69,195 SH   OTR   69,195 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 912 30,803 SH   OTR   30,803 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 452 11,040 SH   OTR   11,040 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 398 9,729 SH   SOLE   9,729 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 47 414 SH   SOLE   414 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 10 248 SH   SOLE   248 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3 95 SH   SOLE   95 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,161 15,338 SH   SOLE   15,338 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,595 9,171 SH   SOLE   9,171 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 286 5,158 SH   SOLE   5,158 0 0
SHERWIN WILLIAMS CO COM 824348106 9,190 26,095 SH   SOLE   25,179 0 916
SHOPIFY INC CL A 82509L107 579 420 SH   SOLE   420 0 0
SNAP INC CL A 83304A106 397 8,433 SH   SOLE   8,433 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,585 9,271 SH   SOLE   8,828 0 443
SPDR S&P 500 ETF TR TR UNIT 78462F103 335,093 705,518 SH   SOLE   684,102 0 21,416
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,405 11,379 SH   OTR   11,379 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 5,787 11,179 SH   SOLE   11,030 0 149
SPDR SER TR S&P 600 SML CAP 78464A813 763 7,676 SH   SOLE   7,676 0 0
STRYKER CORPORATION COM 863667101 7,494 28,022 SH   SOLE   26,948 0 1,074
SVB FINANCIAL GROUP COM 78486Q101 233 344 SH   SOLE   344 0 0
SYNOPSYS INC COM 871607107 214 580 SH   SOLE   580 0 0
SYSCO CORP COM 871829107 277 3,526 SH   SOLE   3,526 0 0
TESLA INC COM 88160R101 748 708 SH   SOLE   708 0 0
TJX COS INC NEW COM 872540109 7,916 104,267 SH   SOLE   101,259 0 3,008
UBER TECHNOLOGIES INC COM 90353T100 554 13,214 SH   SOLE   13,214 0 0
UNION PAC CORP COM 907818108 599 2,376 SH   SOLE   2,376 0 0
UNITED PARCEL SERVICE INC CL B 911312106 8,776 40,945 SH   SOLE   39,698 0 1,247
UNITEDHEALTH GROUP INC COM 91324P102 1,312 2,612 SH   SOLE   2,612 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 28,123 320,962 SH   SOLE   317,026 0 3,936
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,307 14,914 SH   OTR   14,914 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 165,011 377,972 SH   SOLE   376,346 0 1,626
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 47,276 407,517 SH   SOLE   395,790 0 11,727
VANGUARD INDEX FDS MID CAP ETF 922908629 7,039 27,629 SH   SOLE   27,629 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,887 30,471 SH   SOLE   30,471 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,406 22,391 SH   SOLE   22,391 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,103 7,108 SH   OTR   7,108 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 2,812 8,762 SH   SOLE   8,762 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 816 3,690 SH   SOLE   3,690 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 604 2,144 SH   SOLE   2,144 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 47 193 SH   OTR   0 0 193
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 115,608 2,337,411 SH   SOLE   2,276,584 0 60,827
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,397 22,803 SH   SOLE   22,803 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,395 28,196 SH   OTR   28,196 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 235 4,359 SH   SOLE   4,359 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,275 7,422 SH   SOLE   7,422 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,976 77,870 SH   SOLE   77,870 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 202 3,884 SH   SOLE   3,038 0 846
VISA INC COM CL A 92826C839 14,475 66,796 SH   SOLE   64,874 0 1,922
WASTE MGMT INC DEL COM 94106L109 12,593 75,451 SH   SOLE   73,095 0 2,356
WELLS FARGO CO NEW COM 949746101 392 8,165 SH   SOLE   8,165 0 0