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
APPLE INC COM 037833100 BBG001S5N8V8 2,342,118 18,026 SH   SOLE   4,292 0 13,734
ARISTA NETWORKS INC COM 040413106 BBG001T51KQ0 282,624 2,329 SH   SOLE   1,165 0 1,165
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 245,618 7,416 SH   SOLE   4,944 0 2,472
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 BBG001SPJ625 2,332,900 69,205 SH   SOLE   20,354 0 48,851
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 937,422 2 SH   SOLE   0 0 2
CENTRAL VY CMNTY BANCORP COM 155685100 BBG001SGH967 219,467 10,362 SH   SOLE   0 0 10,362
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 608,058 1,332 SH   SOLE   190 0 1,142
DISNEY WALT CO COM 254687106 BBG001S5QHF3 304,949 3,510 SH   SOLE   702 0 2,808
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 326,598 2,961 SH   SOLE   1,184 0 1,777
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 206,028 600 SH   SOLE   600 0 0
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 202,299 944 SH   SOLE   118 0 826
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 BBG001T06LF6 1,283,544 68,749 SH   SOLE   18,160 0 50,589
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,100,269 4,132 SH   SOLE   775 0 3,357
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 296,090 8,560 SH   SOLE   3,669 0 4,891
ISHARES INC MSCI BRAZIL ETF 464286400 BBG001SFN5N1 337,039 12,050 SH   SOLE   7,230 0 4,820
ISHARES INC MSCI EM ASIA ETF 464286426 BBG002MYG936 207,690 3,280 SH   SOLE   3,280 0 0
ISHARES INC MSCI HONG KG ETF 464286871 BBG001S5VWX4 1,244,359 59,227 SH   SOLE   12,005 0 47,222
ISHARES INC MSCI PAC JP ETF 464286665 BBG001S89L03 1,764,403 41,234 SH   SOLE   9,608 0 31,626
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 1,917,384 19,775 SH   SOLE   2,524 0 17,251
ISHARES TR AGENCY BOND ETF 464288166 BBG001T2RRQ4 852,504 8,010 SH   SOLE   2,225 0 5,785
ISHARES TR CORE MSCI EURO 46434V738 BBG006MJ8984 763,800 16,080 SH   SOLE   4,764 0 11,316
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 329,395 5,691 SH   SOLE   416 0 5,275
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 2,779,248 28,655 SH   SOLE   4,912 0 23,743
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 806,579 16,311 SH   SOLE   3,513 0 12,798
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 487,922 7,422 SH   SOLE   0 0 7,422
ISHARES TR EXPANDED TECH 464287515 BBG001S7W2J1 877,566 3,430 SH   SOLE   953 0 2,477
ISHARES TR GL CLEAN ENE ETF 464288224 BBG001S7XDQ8 236,811 11,930 SH   SOLE   2,237 0 9,693
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 1,117,558 10,600 SH   SOLE   4,711 0 5,889
ISHARES TR ISHARES BIOTECH 464287556 BBG001SGYSW7 712,248 5,425 SH   SOLE   2,170 0 3,255
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 1,696,452 20,055 SH   SOLE   3,551 0 16,504
ISHARES TR LATN AMER 40 ETF 464287390 BBG001SJRVW2 568,473 24,835 SH   SOLE   3,664 0 21,171
ISHARES TR MSCI UK ETF NEW 46435G334 BBG001S8SYX8 2,072,371 67,592 SH   SOLE   13,391 0 54,201
ISHARES TR MSCI USA ESG SLC 464288802 BBG001SN86J4 447,245 5,433 SH   SOLE   0 0 5,433
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 1,416,500 46,397 SH   SOLE   12,799 0 33,598
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 211,097 1,392 SH   SOLE   0 0 1,392
ISHARES TR US HLTHCARE ETF 464287762 BBG001SFGXR4 316,337 1,115 SH   SOLE   139 0 976
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 2,183,162 43,550 SH   SOLE   9,678 0 33,872
MCDONALDS CORP COM 580135101 BBG001S5T110 207,925 789 SH   SOLE   0 0 789
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 363,547 3,021 SH   SOLE   2,417 0 604
MICROSOFT CORP COM 594918104 BBG001S5TD05 335,029 1,397 SH   SOLE   349 0 1,048
PLANET FITNESS INC CL A 72703H101 BBG009H04M26 680,438 8,635 SH   SOLE   8,635 0 0
PUBLIC STORAGE COM 74460D109 BBG001S5TH79 348,276 1,243 SH   SOLE   262 0 981
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 BBG00L5F9FV7 1,744,292 36,347 SH   SOLE   12,116 0 24,231
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 996,196 11,389 SH   SOLE   4,119 0 7,270
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 1,150,165 33,631 SH   SOLE   7,311 0 26,320
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 251,216 1,945 SH   SOLE   324 0 1,621
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 7,691,026 103,166 SH   SOLE   28,657 0 74,509
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 3,768,479 27,740 SH   SOLE   11,381 0 16,359
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 BBG001S7T232 4,445,181 45,262 SH   SOLE   12,507 0 32,755
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 BBG001S7TD56 890,415 12,630 SH   SOLE   4,355 0 8,275
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 BBG001S7R733 652,900 8,405 SH   SOLE   2,101 0 6,304
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 767,795 6,170 SH   SOLE   1,974 0 4,196
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 1,247,458 3,765 SH   SOLE   538 0 3,227
SPDR INDEX SHS FDS S&P CHINA ETF 78463X400 BBG001SRXRC8 240,565 3,070 SH   SOLE   1,316 0 1,754
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 986,669 2,580 SH   SOLE   1,935 0 645
SPDR SER TR BLOOMBERG HIGH Y 78468R622 BBG001SQS7X7 847,530 9,417 SH   SOLE   2,430 0 6,987
SPDR SER TR BLOOMBERG SHT TE 78468R408 BBG002QLYD04 3,035,090 125,210 SH   SOLE   28,557 0 96,653
SPDR SER TR ICE PFD SEC ETF 78464A292 BBG001T5L3N9 375,297 11,435 SH   SOLE   3,431 0 8,005
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 610,740 13,000 SH   SOLE   13,000 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,105,688 23,381 SH   SOLE   5,995 0 17,386
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 1,069,010 33,585 SH   SOLE   4,334 0 29,251
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 632,963 21,544 SH   SOLE   3,314 0 18,230
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 373,538 9,605 SH   SOLE   2,058 0 7,547
SPDR SER TR S&P BIOTECH 78464A870 BBG001SQDKG3 779,370 9,390 SH   SOLE   1,489 0 7,901
SPDR SER TR S&P SEMICNDCTR 78464A862 BBG001SQDKJ0 728,788 4,358 SH   SOLE   872 0 3,486
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 268,072 3,561 SH   SOLE   971 0 2,590
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 2,770,149 58,405 SH   SOLE   16,033 0 42,372
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 4,159,577 30,757 SH   SOLE   7,204 0 23,553
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 1,567,415 19,004 SH   SOLE   3,543 0 15,461
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 3,539,176 22,287 SH   SOLE   3,619 0 18,668
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 4,134,675 21,626 SH   SOLE   4,083 0 17,543
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 5,328,445 37,960 SH   SOLE   7,520 0 30,440
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 415,176 10,651 SH   SOLE   1,366 0 9,285
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 BBG001SHTV18 2,207,676 39,821 SH   SOLE   8,296 0 31,525
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 BBG001SHTV36 1,637,064 25,440 SH   SOLE   6,188 0 19,252
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 1,480,474 31,695 SH   SOLE   5,283 0 26,413
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 5,297,136 70,450 SH   SOLE   21,320 0 49,130
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 309,109 7,365 SH   SOLE   1,004 0 6,361
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 BBG001SHTV72 3,457,003 42,030 SH   SOLE   6,760 0 35,270
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 BBG001SHVTQ3 421,833 1,926 SH   SOLE   289 0 1,637
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 BBG001SHVR41 6,050,738 31,585 SH   SOLE   4,660 0 26,925
VANGUARD WORLD FDS ENERGY ETF 92204A306 BBG001SHTV45 1,513,089 12,476 SH   SOLE   1,883 0 10,593
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 BBG001SHTTM0 1,629,119 19,692 SH   SOLE   4,133 0 15,559
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 BBG001SHVR32 7,204,116 29,043 SH   SOLE   4,874 0 24,169
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 BBG001SHVTX5 4,823,157 26,408 SH   SOLE   4,553 0 21,855
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 1,493,242 4,675 SH   SOLE   810 0 3,865
VANGUARD WORLD FDS MATERIALS ETF 92204A801 BBG001SHTTP7 1,070,388 6,289 SH   SOLE   1,179 0 5,110
VANGUARD WORLD FDS UTILITIES ETF 92204A876 BBG001SHVTP4 1,390,362 9,066 SH   SOLE   2,151 0 6,915
WISDOMTREE TR EMER MKT HIGH FD 97717W315 BBG001SV1SY8 343,213 9,630 SH   SOLE   4,815 0 4,815
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 BBG001T6DPF6 2,877,105 41,125 SH   SOLE   11,388 0 29,737
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 BBG005YHYNG8 2,924,960 58,185 SH   SOLE   17,565 0 40,620
WISDOMTREE TR INDIA ERNGS FD 97717W422 BBG001T21LV9 644,304 19,770 SH   SOLE   5,931 0 13,839
WISDOMTREE TR INTL SMCAP DIV 97717W760 BBG001SHLB38 2,129,740 36,745 SH   SOLE   8,297 0 28,448
WISDOMTREE TR JAPN HEDGE EQT 97717W851 BBG001SHL470 3,867,686 60,160 SH   SOLE   16,172 0 43,988
WISDOMTREE TR US HGH YLD CORP 97717X172 BBG00CSKF0K9 223,164 5,080 SH   SOLE   2,540 0 2,540
WISDOMTREE TR US LARGECAP DIVD 97717W307 BBG001SHL7K8 400,817 6,470 SH   SOLE   3,882 0 2,588
WISDOMTREE TR US SMALLCAP DIVD 97717W604 BBG001SHKFX7 1,194,053 41,985 SH   SOLE   22,901 0 19,084
WISDOMTREE TR US TOTAL DIVIDND 97717W109 BBG001SHKFZ5 1,419,816 23,410 SH   SOLE   9,364 0 14,046
WISDOMTREE TR YIELD ENHANCD US 97717X511 BBG009KCY2C6 1,721,141 40,355 SH   SOLE   12,491 0 27,864