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
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 451,838 9,036,762 SH   SOLE   0 0 9,036,762
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 126,459 4,365,160 SH   SOLE   0 0 4,365,160
SPDR S&P 500 ETF TR TR UNIT 78462F103 109,367 230,265 SH   SOLE   0 0 230,265
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 93,603 1,726,674 SH   SOLE   0 0 1,726,674
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 92,407 796,543 SH   SOLE   0 0 796,543
ISHARES TR CORE MSCI EAFE 46432F842 89,076 1,193,415 SH   SOLE   0 0 1,193,415
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 88,713 1,046,757 SH   SOLE   0 0 1,046,757
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 76,410 1,206,723 SH   SOLE   0 0 1,206,723
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 57,455 1,064,778 SH   SOLE   0 0 1,064,778
ISHARES TR ISHS 1-5YR INVS 464288646 43,258 802,857 SH   SOLE   0 0 802,857
ISHARES TR CORE S&P TTL STK 464287150 41,427 387,244 SH   SOLE   0 0 387,244
SPDR SER TR PORTFLI TIPS ETF 78464A656 41,420 1,314,929 SH   SOLE   0 0 1,314,929
VANGUARD INDEX FDS TOTAL STK MKT 922908769 28,532 118,172 SH   SOLE   0 0 118,172
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 27,351 535,666 SH   SOLE   0 0 535,666
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 26,323 532,217 SH   SOLE   0 0 532,217
ISHARES TR TIPS BD ETF 464287176 24,031 185,999 SH   SOLE   0 0 185,999
SCHWAB STRATEGIC TR US TIPS ETF 808524870 23,335 371,046 SH   SOLE   0 0 371,046
VANGUARD INDEX FDS MID CAP ETF 922908629 23,135 90,809 SH   SOLE   0 0 90,809
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 22,184 364,685 SH   SOLE   0 0 364,685
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 21,469 524,541 SH   SOLE   0 0 524,541
SPDR SER TR PRTFLO S&P500 VL 78464A508 20,366 484,912 SH   SOLE   0 0 484,912
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 19,202 553,047 SH   SOLE   0 0 553,047
ISHARES TR CALIF MUN BD ETF 464288356 18,798 301,589 SH   SOLE   0 0 301,589
ISHARES TR CORE INTL AGGR 46435G672 18,787 344,518 SH   SOLE   0 0 344,518
SPDR SER TR PORTFOLI S&P1500 78464A805 18,001 307,969 SH   SOLE   0 0 307,969
FLEXSHARES TR MORNSTAR UPSTR 33939L407 17,345 439,223 SH   SOLE   0 0 439,223
SPDR SER TR PORTFOLIO S&P600 78468R853 16,406 367,109 SH   SOLE   0 0 367,109
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 14,854 269,281 SH   SOLE   0 0 269,281
ISHARES TR IBOXX HI YD ETF 464288513 14,540 167,102 SH   SOLE   0 0 167,102
VANGUARD INDEX FDS VALUE ETF 922908744 13,926 94,667 SH   SOLE   0 0 94,667
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 13,223 220,421 SH   SOLE   0 0 220,421
ISHARES TR EAFE SML CP ETF 464288273 12,629 172,790 SH   SOLE   0 0 172,790
APPLE INC COM 037833100 12,284 69,177 SH   SOLE   0 0 69,177
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 11,487 314,872 SH   SOLE   0 0 314,872
VANGUARD INDEX FDS SMALL CP ETF 922908751 10,696 47,323 SH   SOLE   0 0 47,323
ISHARES TR CRE U S REIT ETF 464288521 9,082 134,366 SH   SOLE   0 0 134,366
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 8,881 186,893 SH   SOLE   0 0 186,893
ISHARES TR S&P 500 VAL ETF 464287408 8,583 54,797 SH   SOLE   0 0 54,797
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 7,972 123,500 SH   SOLE   0 0 123,500
ISHARES TR PFD AND INCM SEC 464288687 7,495 190,096 SH   SOLE   0 0 190,096
ISHARES TR JPMORGAN USD EMG 464288281 7,076 64,884 SH   SOLE   0 0 64,884
SPDR SER TR PORTFOLIO AGRGTE 78464A649 6,960 234,979 SH   SOLE   0 0 234,979
MICROSOFT CORP COM 594918104 6,718 19,976 SH   SOLE   0 0 19,976
ISHARES INC CORE MSCI EMKT 46434G103 6,579 109,901 SH   SOLE   0 0 109,901
ISHARES TR CORE US AGGBD ET 464287226 6,247 54,758 SH   SOLE   0 0 54,758
ISHARES TR 1 3 YR TREAS BD 464287457 5,764 67,389 SH   SOLE   0 0 67,389
TESLA INC COM 88160R101 5,696 5,390 SH   SOLE   0 0 5,390
ISHARES TR CORE S&P MCP ETF 464287507 5,541 19,573 SH   SOLE   0 0 19,573
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 5,273 35,075 SH   SOLE   0 0 35,075
ISHARES TR MSCI USA QLT FCT 46432F339 5,268 36,189 SH   SOLE   0 0 36,189
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,256 65,344 SH   SOLE   0 0 65,344
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,089 62,963 SH   SOLE   0 0 62,963
ISHARES TR CORE S&P500 ETF 464287200 4,734 9,925 SH   SOLE   0 0 9,925
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,681 76,385 SH   SOLE   0 0 76,385
SPDR SER TR PORTFOLIO S&P400 78464A847 4,480 90,075 SH   SOLE   0 0 90,075
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 4,406 116,660 SH   SOLE   0 0 116,660
SPDR SER TR BLOOMBERG INTL T 78464A516 4,256 150,545 SH   SOLE   0 0 150,545
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,222 108,620 SH   SOLE   0 0 108,620
ISHARES INC MSCI EMERG MKT 46434G889 3,911 76,487 SH   SOLE   0 0 76,487
ISHARES TR CORE S&P SCP ETF 464287804 3,877 33,860 SH   SOLE   0 0 33,860
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,812 8,731 SH   SOLE   0 0 8,731
ISHARES TR RUS 2000 VAL ETF 464287630 3,777 22,746 SH   SOLE   0 0 22,746
UNITED PARCEL SERVICE INC CL B 911312106 3,727 17,389 SH   SOLE   0 0 17,389
MVB FINL CORP COM 553810102 3,522 84,824 SH   SOLE   0 0 84,824
SEMPRA COM 816851109 3,435 25,965 SH   SOLE   0 0 25,965
ISHARES TR NORTH AMERN NAT 464287374 3,289 104,493 SH   SOLE   0 0 104,493
AMAZON COM INC COM 023135106 3,144 943 SH   SOLE   0 0 943
HOME DEPOT INC COM 437076102 3,122 7,523 SH   SOLE   0 0 7,523
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 2,998 50,548 SH   SOLE   0 0 50,548
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,992 40,867 SH   SOLE   0 0 40,867
QUALCOMM INC COM 747525103 2,734 14,950 SH   SOLE   0 0 14,950
ISHARES TR S&P MC 400VL ETF 464287705 2,540 22,951 SH   SOLE   0 0 22,951
ABBVIE INC COM 00287Y109 2,373 17,527 SH   SOLE   0 0 17,527
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,356 56,775 SH   SOLE   0 0 56,775
ABBOTT LABS COM 002824100 2,296 16,316 SH   SOLE   0 0 16,316
AON PLC SHS CL A G0403H108 2,179 7,250 SH   SOLE   0 0 7,250
EDWARDS LIFESCIENCES CORP COM 28176E108 2,054 15,852 SH   SOLE   0 0 15,852
ISHARES TR RUS 1000 GRW ETF 464287614 2,043 6,685 SH   SOLE   0 0 6,685
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,885 23,191 SH   SOLE   0 0 23,191
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,847 13,790 SH   SOLE   0 0 13,790
ISHARES INC EM MKT SM-CP ETF 464286475 1,723 28,615 SH   SOLE   0 0 28,615
ISHARES TR SP SMCP600VL ETF 464287879 1,689 16,160 SH   SOLE   0 0 16,160
ISHARES TR RUS MDCP VAL ETF 464287473 1,585 12,955 SH   SOLE   0 0 12,955
MERCK & CO INC COM 58933Y105 1,574 20,539 SH   SOLE   0 0 20,539
PFIZER INC COM 717081103 1,566 26,512 SH   SOLE   0 0 26,512
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,516 21,322 SH   SOLE   0 0 21,322
DISNEY WALT CO COM 254687106 1,494 9,648 SH   SOLE   0 0 9,648
ISHARES INC MSCI BRIC INDX 464286657 1,370 30,600 SH   SOLE   0 0 30,600
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,270 4,986 SH   SOLE   0 0 4,986
AVALARA INC COM 05338G106 1,239 9,597 SH   SOLE   0 0 9,597
JOHNSON & JOHNSON COM 478160104 1,232 7,201 SH   SOLE   0 0 7,201
GENERAL DYNAMICS CORP COM 369550108 1,192 5,717 SH   SOLE   0 0 5,717
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,112 21,103 SH   SOLE   0 0 21,103
UNITEDHEALTH GROUP INC COM 91324P102 1,109 2,209 SH   SOLE   0 0 2,209
ISHARES TR INTL TREA BD ETF 464288117 1,097 21,818 SH   SOLE   0 0 21,818
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,085 5,932 SH   SOLE   0 0 5,932
LOCKHEED MARTIN CORP COM 539830109 1,032 2,903 SH   SOLE   0 0 2,903
ISHARES TR RUSSELL 3000 ETF 464287689 989 3,565 SH   SOLE   0 0 3,565
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 974 3,256 SH   SOLE   0 0 3,256
ISHARES TR MSCI ACWI ETF 464288257 967 9,141 SH   SOLE   0 0 9,141
SPDR SER TR S&P 400 MDCP GRW 78464A821 952 11,673 SH   SOLE   0 0 11,673
ALPHABET INC CAP STK CL A 02079K305 942 325 SH   SOLE   0 0 325
ALPHABET INC CAP STK CL C 02079K107 883 305 SH   SOLE   0 0 305
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 881 17,319 SH   SOLE   0 0 17,319
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 848 7,501 SH   SOLE   0 0 7,501
LEIDOS HOLDINGS INC COM 525327102 834 9,377 SH   SOLE   0 0 9,377
INVESCO QQQ TR UNIT SER 1 46090E103 828 2,082 SH   SOLE   0 0 2,082
PNC FINL SVCS GROUP INC COM 693475105 819 4,084 SH   SOLE   0 0 4,084
LILLY ELI & CO COM 532457108 782 2,830 SH   SOLE   0 0 2,830
RAYTHEON TECHNOLOGIES CORP COM 75513E101 782 9,082 SH   SOLE   0 0 9,082
INTEL CORP COM 458140100 773 15,010 SH   SOLE   0 0 15,010
PERKINELMER INC COM 714046109 773 3,842 SH   SOLE   0 0 3,842
BOEING CO COM 097023105 766 3,804 SH   SOLE   0 0 3,804
NVIDIA CORPORATION COM 67066G104 764 2,596 SH   SOLE   0 0 2,596
VANGUARD INDEX FDS SM CP VAL ETF 922908611 753 4,209 SH   SOLE   0 0 4,209
AMEREN CORP COM 023608102 735 8,262 SH   SOLE   0 0 8,262
INTEGRA LIFESCIENCES HLDGS C COM NEW 457985208 715 10,673 SH   SOLE   0 0 10,673
CHARTER COMMUNICATIONS INC N CL A 16119P108 714 1,095 SH   SOLE   0 0 1,095
VANGUARD INDEX FDS LARGE CAP ETF 922908637 708 3,203 SH   SOLE   0 0 3,203
ISHARES TR RUS 1000 VAL ETF 464287598 681 4,058 SH   SOLE   0 0 4,058
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 674 12,500 SH   SOLE   0 0 12,500
VISA INC COM CL A 92826C839 664 3,064 SH   SOLE   0 0 3,064
FIRSTENERGY CORP COM 337932107 661 15,894 SH   SOLE   0 0 15,894
BAXTER INTL INC COM 071813109 658 7,666 SH   SOLE   0 0 7,666
WELLS FARGO CO NEW COM 949746101 656 13,679 SH   SOLE   0 0 13,679
ISHARES TR CORE S&P US VLU 464287663 654 8,570 SH   SOLE   0 0 8,570
VANECK ETF TRUST NATURAL RESOURC 92189F841 643 13,621 SH   SOLE   0 0 13,621
ISHARES TR MSCI EAFE ETF 464287465 638 8,103 SH   SOLE   0 0 8,103
MCDONALDS CORP COM 580135101 631 2,352 SH   SOLE   0 0 2,352
ISHARES TR 0-5 YR TIPS ETF 46429B747 608 5,745 SH   SOLE   0 0 5,745
COSTCO WHSL CORP NEW COM 22160K105 569 1,002 SH   SOLE   0 0 1,002
PROCTER AND GAMBLE CO COM 742718109 543 3,322 SH   SOLE   0 0 3,322
BK OF AMERICA CORP COM 060505104 516 11,606 SH   SOLE   0 0 11,606
SPDR SER TR PRTFLO S&P500 GW 78464A409 491 6,772 SH   SOLE   0 0 6,772
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 486 4,335 SH   SOLE   0 0 4,335
CHEVRON CORP NEW COM 166764100 475 4,044 SH   SOLE   0 0 4,044
ISHARES SILVER TR ISHARES 46428Q109 470 21,862 SH   SOLE   0 0 21,862
ANTHEM INC COM 036752103 459 989 SH   SOLE   0 0 989
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 458 15,460 SH   SOLE   0 0 15,460
JPMORGAN CHASE & CO COM 46625H100 452 2,858 SH   SOLE   0 0 2,858
EXXON MOBIL CORP COM 30231G102 446 7,293 SH   SOLE   0 0 7,293
SERVICENOW INC COM 81762P102 441 679 SH   SOLE   0 0 679
PEPSICO INC COM 713448108 428 2,466 SH   SOLE   0 0 2,466
AMGEN INC COM 031162100 419 1,861 SH   SOLE   0 0 1,861
PHILIP MORRIS INTL INC COM 718172109 412 4,333 SH   SOLE   0 0 4,333
BECTON DICKINSON & CO COM 075887109 395 1,569 SH   SOLE   0 0 1,569
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 394 1,318 SH   SOLE   0 0 1,318
SCIENCE APPLICATIONS INTL CO COM 808625107 375 4,492 SH   SOLE   0 0 4,492
CISCO SYS INC COM 17275R102 374 5,908 SH   SOLE   0 0 5,908
NETFLIX INC COM 64110L106 371 615 SH   SOLE   0 0 615
THERMO FISHER SCIENTIFIC INC COM 883556102 364 546 SH   SOLE   0 0 546
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 353 3,452 SH   SOLE   0 0 3,452
WALMART INC COM 931142103 350 2,419 SH   SOLE   0 0 2,419
SPDR SER TR FTSE INT GVT ETF 78464A490 348 6,458 SH   SOLE   0 0 6,458
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 346 5,730 SH   SOLE   0 0 5,730
META PLATFORMS INC CL A 30303M102 340 1,010 SH   SOLE   0 0 1,010
PPL CORP COM 69351T106 339 11,289 SH   SOLE   0 0 11,289
PRUDENTIAL FINL INC COM 744320102 336 3,103 SH   SOLE   0 0 3,103
ISHARES TR U.S. REAL ES ETF 464287739 335 2,886 SH   SOLE   0 0 2,886
ISHARES TR RUS MD CP GR ETF 464287481 334 2,897 SH   SOLE   0 0 2,897
LABORATORY CORP AMER HLDGS COM NEW 50540R409 327 1,042 SH   SOLE   0 0 1,042
CATERPILLAR INC COM 149123101 327 1,583 SH   SOLE   0 0 1,583
ISHARES TR ESG AWR MSCI USA 46435G425 324 2,999 SH   SOLE   0 0 2,999
AECOM COM 00766T100 314 4,058 SH   SOLE   0 0 4,058
STARBUCKS CORP COM 855244109 309 2,642 SH   SOLE   0 0 2,642
DUPONT DE NEMOURS INC COM 26614N102 309 3,820 SH   SOLE   0 0 3,820
ISHARES TR CORE MSCI TOTAL 46432F834 307 4,327 SH   SOLE   0 0 4,327
CLOROX CO DEL COM 189054109 306 1,757 SH   SOLE   0 0 1,757
COLGATE PALMOLIVE CO COM 194162103 301 3,525 SH   SOLE   0 0 3,525
COMCAST CORP NEW CL A 20030N101 299 5,939 SH   SOLE   0 0 5,939
NORTHROP GRUMMAN CORP COM 666807102 296 766 SH   SOLE   0 0 766
ADOBE SYSTEMS INCORPORATED COM 00724F101 276 486 SH   SOLE   0 0 486
TARGET CORP COM 87612E106 275 1,188 SH   SOLE   0 0 1,188
ENTERPRISE FINL SVCS CORP COM 293712105 274 5,809 SH   SOLE   0 0 5,809
SPDR GOLD TR GOLD SHS 78463V107 274 1,600 SH   SOLE   0 0 1,600
VANGUARD WORLD FDS INF TECH ETF 92204A702 273 596 SH   SOLE   0 0 596
HONEYWELL INTL INC COM 438516106 270 1,294 SH   SOLE   0 0 1,294
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 264 2,740 SH   SOLE   0 0 2,740
WP CAREY INC COM 92936U109 263 3,209 SH   SOLE   0 0 3,209
CIGNA CORP NEW COM 125523100 263 1,144 SH   SOLE   0 0 1,144
ISHARES TR MSCI EMG MKT ETF 464287234 261 5,341 SH   SOLE   0 0 5,341
MCKESSON CORP COM 58155Q103 260 1,046 SH   SOLE   0 0 1,046
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 257 3,175 SH   SOLE   0 0 3,175
MASTERCARD INCORPORATED CL A 57636Q104 253 704 SH   SOLE   0 0 704
SPDR SER TR BLOOMBERG HIGH Y 78468R622 253 2,329 SH   SOLE   0 0 2,329
ISHARES TR CORE TOTAL USD 46434V613 253 4,773 SH   SOLE   0 0 4,773
COLUMBIA ETF TR II EM CORE EX ETF 19762B202 252 7,943 SH   SOLE   0 0 7,943
SPDR SER TR S&P DIVID ETF 78464A763 250 1,934 SH   SOLE   0 0 1,934
FORTINET INC COM 34959E109 243 676 SH   SOLE   0 0 676
J P MORGAN EXCHANGE-TRADED F USD EMRNG MKT 46641Q746 243 5,018 SH   SOLE   0 0 5,018
CVS HEALTH CORP COM 126650100 242 2,341 SH   SOLE   0 0 2,341
WHEATON PRECIOUS METALS CORP COM 962879102 239 5,570 SH   SOLE   0 0 5,570
MICRON TECHNOLOGY INC COM 595112103 239 2,563 SH   SOLE   0 0 2,563
ISHARES TR RUS 1000 ETF 464287622 239 902 SH   SOLE   0 0 902
EDISON INTL COM 281020107 238 3,486 SH   SOLE   0 0 3,486
BRISTOL-MYERS SQUIBB CO COM 110122108 233 3,742 SH   SOLE   0 0 3,742
CSX CORP COM 126408103 233 6,189 SH   SOLE   0 0 6,189
VANGUARD WORLD FD MEGA GRWTH IND 921910816 231 886 SH   SOLE   0 0 886
TRANE TECHNOLOGIES PLC SHS G8994E103 231 1,141 SH   SOLE   0 0 1,141
RLI CORP COM 749607107 229 2,045 SH   SOLE   0 0 2,045
ALTRIA GROUP INC COM 02209S103 227 4,795 SH   SOLE   0 0 4,795
ISHARES TR RUSSELL 2000 ETF 464287655 221 994 SH   SOLE   0 0 994
DOW INC COM 260557103 221 3,898 SH   SOLE   0 0 3,898
FORD MTR CO DEL COM 345370860 220 10,610 SH   SOLE   0 0 10,610
ISHARES TR MBS ETF 464288588 220 2,051 SH   SOLE   0 0 2,051
ON SEMICONDUCTOR CORP COM 682189105 210 3,089 SH   SOLE   0 0 3,089
COCA COLA CO COM 191216100 209 3,535 SH   SOLE   0 0 3,535
NUVEEN CA QUALTY MUN INCOME COM 67066Y105 185 11,801 SH   SOLE   0 0 11,801
PIMCO CALIF MUN INCOME FD II COM 72200M108 181 19,387 SH   SOLE   0 0 19,387
KINDER MORGAN INC DEL COM 49456B101 178 11,223 SH   SOLE   0 0 11,223
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601 96 39,394 SH   SOLE   0 0 39,394
EVOKE PHARMA INC COM 30049G104 10 17,647 SH   SOLE   0 0 17,647