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
Expires: July 31, 2015
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
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 697,647 39,934 SH SOLE 0 0 39,934
ALPHABET INC CAP STK CL A 02079K305 225,428 2,555 SH SOLE 0 0 2,555
ALPHABET INC CAP STK CL C 02079K107 642,228 7,238 SH SOLE 0 0 7,238
AMAZON COM INC COM 023135106 465,780 5,545 SH SOLE 0 0 5,545
APPLE INC COM 037833100 1,100,848 8,473 SH SOLE 0 0 8,473
AUTOMATIC DATA PROCESSING IN COM 053015103 275,406 1,153 SH SOLE 0 0 1,153
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 394,239 1,276 SH SOLE 0 0 1,276
CAMBRIA ETF TR EMRG SHAREHLDR 132061706 3,372,555 120,166 SH SOLE 0 0 120,166
CATERPILLAR INC COM 149123101 324,956 1,356 SH SOLE 0 0 1,356
CHEVRON CORP NEW COM 166764100 4,267,032 23,804 SH SOLE 0 0 23,804
CSX CORP COM 126408103 201,184 6,494 SH SOLE 0 0 6,494
EA SERIES TRUST FREEDOM 100 EM 02072L607 453,140 16,433 SH SOLE 0 0 16,433
EA SERIES TRUST US QUAN VALUE 02072L102 426,512 13,258 SH SOLE 0 0 13,258
EA SERIES TRUST INTL QUAN VALUE 02072L201 588,985 26,875 SH SOLE 0 0 26,875
ELECTRONIC ARTS INC COM 285512109 355,299 2,908 SH SOLE 0 0 2,908
EXXON MOBIL CORP COM 30231G102 252,743 2,296 SH SOLE 0 0 2,296
FIRST TR EXCH TRADED FD III CALIF MUN INCM 33739P863 593,939 12,274 SH SOLE 0 0 12,274
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 882,788 17,617 SH SOLE 0 0 17,617
HOME DEPOT INC COM 437076102 558,211 1,766 SH SOLE 0 0 1,766
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 456,037 30,855 SH SOLE 0 0 30,855
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 720,000 29,826 SH SOLE 0 0 29,826
ISHARES GOLD TR ISHARES NEW 464285204 204,116 5,901 SH SOLE 0 0 5,901
ISHARES INC ESG AWR MSCI EM 46434G863 279,531 9,296 SH SOLE 0 0 9,296
ISHARES INC MSCI GBL MIN VOL 464286525 582,545 6,131 SH SOLE 0 0 6,131
ISHARES TR ESG AW MSCI EAFE 46435G516 450,713 6,856 SH SOLE 0 0 6,856
ISHARES TR MSCI INTL VLU FT 46435G409 433,325 18,702 SH SOLE 0 0 18,702
ISHARES TR MSCI GBL SUS DEV 46435G532 453,417 5,746 SH SOLE 0 0 5,746
ISHARES TR MSCI USA QLT FCT 46432F339 497,116 4,362 SH SOLE 0 0 4,362
ISHARES TR CALIF MUN BD ETF 464288356 3,367,834 60,022 SH SOLE 0 0 60,022
ISHARES TR NATIONAL MUN ETF 464288414 385,676 3,655 SH SOLE 0 0 3,655
ISHARES TR CORE S&P TTL STK 464287150 202,786 2,386 SH SOLE 0 0 2,386
ISHARES TR CORE S&P MCP ETF 464287507 758,200 3,133 SH SOLE 0 0 3,133
ISHARES TR CORE S&P500 ETF 464287200 1,599,513 4,163 SH SOLE 0 0 4,163
ISHARES TR RUS 1000 ETF 464287622 643,812 3,058 SH SOLE 0 0 3,058
JOHNSON & JOHNSON COM 478160104 295,596 1,672 SH SOLE 0 0 1,672
LILLY ELI & CO COM 532457108 210,444 575 SH SOLE 0 0 575
MICROSOFT CORP COM 594918104 951,641 3,968 SH SOLE 0 0 3,968
NATWEST GROUP PLC SPONS ADR 639057207 134,910 20,875 SH SOLE 0 0 20,875
NETFLIX INC COM 64110L106 208,960 709 SH SOLE 0 0 709
NVIDIA CORPORATION COM 67066G104 314,347 2,151 SH SOLE 0 0 2,151
PROCTER AND GAMBLE CO COM 742718109 460,283 3,036 SH SOLE 0 0 3,036
PROSHARES TR ULTRAPRO QQQ 74347X831 224,900 13,000 SH SOLE 0 0 13,000
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 469,505 7,156 SH SOLE 0 0 7,156
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 438,450 14,733 SH SOLE 0 0 14,733
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 2,250,391 35,090 SH SOLE 0 0 35,090
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855 5,817,485 110,895 SH SOLE 0 0 110,895
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 5,715,537 100,221 SH SOLE 0 0 100,221
SPDR S&P 500 ETF TR TR UNIT 78462F103 322,395 843 SH SOLE 0 0 843
SPDR SER TR PRTFLO S&P500 GW 78464A409 387,969 7,655 SH SOLE 0 0 7,655
SPDR SER TR PRTFLO S&P500 VL 78464A508 589,899 15,168 SH SOLE 0 0 15,168
SPDR SER TR PORTFOLIO S&P400 78464A847 4,337,931 102,069 SH SOLE 0 0 102,069
SPDR SER TR PORTFOLIO S&P600 78468R853 3,378,078 91,374 SH SOLE 0 0 91,374
SPDR SER TR S&P 500 ESG ETF 78468R531 429,425 11,714 SH SOLE 0 0 11,714
TESLA INC COM 88160R101 431,007 3,499 SH SOLE 0 0 3,499
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204 92,865 19,462 SH SOLE 0 0 19,462
UNITEDHEALTH GROUP INC COM 91324P102 336,109 634 SH SOLE 0 0 634
VANGUARD INDEX FDS GROWTH ETF 922908736 222,913 1,046 SH SOLE 0 0 1,046
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 40,714,518 115,884 SH SOLE 0 0 115,884
VANGUARD INDEX FDS SMALL CP ETF 922908751 242,273 1,320 SH SOLE 0 0 1,320
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,581,916 62,456 SH SOLE 0 0 62,456
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,110,017 12,877 SH SOLE 0 0 12,877
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 563,477 14,456 SH SOLE 0 0 14,456
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 802,131 19,112 SH SOLE 0 0 19,112
VISA INC COM CL A 92826C839 216,125 1,040 SH SOLE 0 0 1,040
WISDOMTREE TR EM EX ST-OWNED 97717X578 10,414,712 390,357 SH SOLE 0 0 390,357
WISDOMTREE TR ENHNCD CMMDTY ST 97717Y683 6,014,684 330,220 SH SOLE 0 0 330,220
WORLD GOLD TR SPDR GLD MINIS 98149E303 6,711,957 185,464 SH SOLE 0 0 185,464