# EDGAR Filing Document

**Accession Number:** 0001600052
**File Stem:** 0001085146-23-001028
**Filing Date:** 2023-2
**Character Count:** 12127
**Document Hash:** 939096d9d2605b60a2e6791320b52807
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-001028.hdr.sgml**: 20230210

**ACCESSION NUMBER**: 0001085146-23-001028

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230210

**DATE AS OF CHANGE**: 20230210

**EFFECTIVENESS DATE**: 20230210

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Peninsula Wealth, LLC
- **CENTRAL INDEX KEY:** 0001600052
- **IRS NUMBER:** 800535310
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18772
- **FILM NUMBER:** 23612217

**BUSINESS ADDRESS:**
- **STREET 1:** 350 TOWNSEND STREET
- **STREET 2:** SUITE 411
- **CITY:** SAN FRANCISCO
- **STATE:** CA
- **ZIP:** 94107
- **BUSINESS PHONE:** 650-477-2126

**MAIL ADDRESS:**
- **STREET 1:** 350 TOWNSEND STREET
- **STREET 2:** SUITE 411
- **CITY:** SAN FRANCISCO
- **STATE:** CA
- **ZIP:** 94107

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Peninsula Wealth LLC<br>**Address:** 350 TOWNSEND STREET<br>SUITE 411<br>SAN FRANCISCO, CA 94107

**Form 13F File Number:** 028-18772

**CRD Number (if applicable):** 000152436

**SEC File Number (if applicable):** 801-71025

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Ashley Smith-Roos<br>**Title:** Regulatory Consultant<br>**Phone:** 310-275-7300

**Signature, Place, and Date of Signing:**

/s/ Ashley Smith-Roos  Beverly Hills, CA  02-10-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 75

**Form 13F Information Table Value Total:** $317795586

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 433827 | 4917 | SH |  | SOLE |  | 4917 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 900787 | 10152 | SH |  | SOLE |  | 10152 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 2545620 | 30305 | SH |  | SOLE |  | 30305 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 8134706 | 62608 | SH |  | SOLE |  | 62608 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 806847 | 2612 | SH |  | SOLE |  | 2612 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 479948 | 858 | SH |  | SOLE |  | 858 | 0 | 0 |
| CHIPOTLE MEXICAN GRILL INC | COM | 169656105 | BBG001SP50B3 | 262236 | 189 | SH |  | SOLE |  | 189 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 412083 | 8650 | SH |  | SOLE |  | 8650 | 0 | 0 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 200409 | 3151 | SH |  | SOLE |  | 3151 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 295413 | 647 | SH |  | SOLE |  | 647 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 | BBG017159MD8 | 1369032 | 60954 | SH |  | SOLE |  | 60954 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 | BBG01631TNW2 | 1622696 | 72604 | SH |  | SOLE |  | 72604 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 | BBG015DLMLQ7 | 3872209 | 161275 | SH |  | SOLE |  | 161275 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 | BBG0177CTQC7 | 3445916 | 102925 | SH |  | SOLE |  | 102925 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 | BBG011DXXVM0 | 300696 | 5879 | SH |  | SOLE |  | 5879 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 310966 | 2819 | SH |  | SOLE |  | 2819 | 0 | 0 |
| GILEAD SCIENCES INC | COM | 375558103 | BBG001S6Y1X7 | 3003224 | 34982 | SH |  | SOLE |  | 34982 | 0 | 0 |
| HEWLETT PACKARD ENTERPRISE C | COM | 42824C109 | BBG0078W3NP4 | 184196 | 11541 | SH |  | SOLE |  | 11541 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 202272 | 640 | SH |  | SOLE |  | 640 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 | BBG001V18CG8 | 314285 | 4918 | SH |  | SOLE |  | 4918 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | FTSE RAFI 1000 | 46137V613 | BBG001S6H5N8 | 279270 | 1800 | SH |  | SOLE |  | 1800 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 5005420 | 18798 | SH |  | SOLE |  | 18798 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 | BBG003HC3DG9 | 6478412 | 138724 | SH |  | SOLE |  | 138724 | 0 | 0 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 | BBG001T03XM5 | 696349 | 12410 | SH |  | SOLE |  | 12410 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 11589156 | 188014 | SH |  | SOLE |  | 188014 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 1239581 | 13098 | SH |  | SOLE |  | 13098 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 297595 | 775 | SH |  | SOLE |  | 775 | 0 | 0 |
| ISHARES TR | CRE U S REIT ETF | 464288521 | BBG001ST7G55 | 348869 | 7055 | SH |  | SOLE |  | 7055 | 0 | 0 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 | BBG00FFPFTS4 | 314842 | 3715 | SH |  | SOLE |  | 3715 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 362923 | 1694 | SH |  | SOLE |  | 1694 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 | BBG001S561Q8 | 4667929 | 79794 | SH |  | SOLE |  | 79794 | 0 | 0 |
| ISHARES TR | S 500 VAL ETF | 464287408 | BBG001S561K4 | 10466355 | 72147 | SH |  | SOLE |  | 72147 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | BBG001SLS4Q3 | 773383 | 7417 | SH |  | SOLE |  | 7417 | 0 | 0 |
| ISHARES TR | TIPS BD ETF | 464287176 | BBG001SD9RM5 | 1180248 | 11088 | SH |  | SOLE |  | 11088 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 398761 | 2257 | SH |  | SOLE |  | 2257 | 0 | 0 |
| JPMORGAN CHASE  CO | COM | 46625H100 | BBG001S8CRC3 | 240257 | 1792 | SH |  | SOLE |  | 1792 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 | BBG001SKNNS6 | 335318 | 964 | SH |  | SOLE |  | 964 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 201645 | 1817 | SH |  | SOLE |  | 1817 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 222990 | 1853 | SH |  | SOLE |  | 1853 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 2388664 | 9960 | SH |  | SOLE |  | 9960 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 2836066 | 19407 | SH |  | SOLE |  | 19407 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 33166272 | 405753 | SH |  | SOLE |  | 405753 | 0 | 0 |
| OWL ROCK CAPITAL CORPORATION | COM | 69121K104 | BBG00DB0XYD3 | 210695 | 18242 | SH |  | SOLE |  | 18242 | 0 | 0 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 547716 | 3032 | SH |  | SOLE |  | 3032 | 0 | 0 |
| PFIZER INC | COM | 717081103 | BBG001S5V466 | 213147 | 4160 | SH |  | SOLE |  | 4160 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 299444 | 1976 | SH |  | SOLE |  | 1976 | 0 | 0 |
| PROLOGIS INC. | COM | 74340W103 | BBG001S5NMN6 | 240726 | 2135 | SH |  | SOLE |  | 2135 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | BBG001S5X5Q9 | 291258 | 2886 | SH |  | SOLE |  | 2886 | 0 | 0 |
| SALESFORCE INC | COM | 79466L302 | BBG001SDLP09 | 237601 | 1792 | SH |  | SOLE |  | 1792 | 0 | 0 |
| SNOWFLAKE INC | CL A | 833445109 | BBG007DHGNK2 | 5072704 | 35340 | SH |  | SOLE |  | 35340 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 238254 | 623 | SH |  | SOLE |  | 623 | 0 | 0 |
| SPDR SER TR | S DIVID ETF | 78464A763 | BBG001SPTBP8 | 269112 | 2151 | SH |  | SOLE |  | 2151 | 0 | 0 |
| SYNOPSYS INC | COM | 871607107 | BBG001S5VTR8 | 1330481 | 4167 | SH |  | SOLE |  | 4167 | 0 | 0 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 575990 | 4676 | SH |  | SOLE |  | 4676 | 0 | 0 |
| UBER TECHNOLOGIES INC | COM | 90353T100 | BBG002B04MW4 | 205061 | 8292 | SH |  | SOLE |  | 8292 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 | BBG001S6WCJ1 | 203801 | 384 | SH |  | SOLE |  | 384 | 0 | 0 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 | BBG002XRNHT5 | 314424 | 4844 | SH |  | SOLE |  | 4844 | 0 | 0 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 | BBG001ST39R1 | 453501 | 6102 | SH |  | SOLE |  | 6102 | 0 | 0 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | BBG001ST39Q2 | 1285185 | 17072 | SH |  | SOLE |  | 17072 | 0 | 0 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 | BBG004N1LGK2 | 985423 | 20776 | SH |  | SOLE |  | 20776 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 52151694 | 244717 | SH |  | SOLE |  | 244717 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 | BBG001SMD2X3 | 3705977 | 44932 | SH |  | SOLE |  | 44932 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 13474832 | 73416 | SH |  | SOLE |  | 73416 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 62913257 | 448196 | SH |  | SOLE |  | 448196 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 19162527 | 491599 | SH |  | SOLE |  | 491599 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 | BBG001T2YZG9 | 287616 | 3337 | SH |  | SOLE |  | 3337 | 0 | 0 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 | BBG003H12XS7 | 261996 | 5609 | SH |  | SOLE |  | 5609 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 460582 | 9307 | SH |  | SOLE |  | 9307 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 | BBG001T62M38 | 3344785 | 43153 | SH |  | SOLE |  | 43153 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 | BBG001T62MF5 | 1285562 | 28242 | SH |  | SOLE |  | 28242 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 1239454 | 8162 | SH |  | SOLE |  | 8162 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 30004517 | 714904 | SH |  | SOLE |  | 714904 | 0 | 0 |
| VEEVA SYS INC | CL A COM | 922475108 | BBG001TX0CB4 | 1703850 | 10558 | SH |  | SOLE |  | 10558 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 1848115 | 8895 | SH |  | SOLE |  | 8895 | 0 | 0 |
| WISDOMTREE TR | US LARGECAP DIVD | 97717W307 | BBG001SHL7K8 | 388626 | 6273 | SH |  | SOLE |  | 6273 | 0 | 0 |

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