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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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
ISHARES TR CORE S&P MCP ETF 464287507 4,253 20,662 SH   SOLE 0 20,662 0 0
ISHARES TR CORE S&P SCP ETF 464287804 4,364 52,047 SH   SOLE 0 52,047 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 333 1,035 SH   SOLE 0 1,035 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 947 14,656 SH   SOLE 0 14,656 0 0
ADOBE INC COM 00724F101 219 663 SH   SOLE 0 663 0 0
AMAZON COM INC COM 023135106 1,391 753 SH   SOLE 0 753 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 584 9,101 SH   SOLE 0 9,101 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 786 3,472 SH   SOLE 0 3,472 0 0
BOEING CO COM 097023105 709 2,177 SH   SOLE 0 2,177 0 0
ABBOTT LABS COM 002824100 2,440 28,086 SH   SOLE 0 28,086 0 0
INTEL CORP COM 458140100 1,930 32,240 SH   SOLE 0 32,240 0 0
ORACLE CORP COM 68389X105 1,523 28,753 SH   SOLE 0 28,753 0 0
DISNEY WALT CO COM DISNEY 254687106 3,194 22,084 SH   SOLE 0 22,084 0 0
HONEYWELL INTL INC COM 438516106 458 2,590 SH   SOLE 0 2,590 0 0
US BANCORP DEL COM NEW 902973304 1,601 27,000 SH   SOLE 0 27,000 0 0
JOHNSON & JOHNSON COM 478160104 1,502 10,300 SH   SOLE 0 10,300 0 0
PFIZER INC COM 717081103 3,156 80,541 SH   SOLE 0 80,541 0 0
LOWES COS INC COM 548661107 2,682 22,395 SH   SOLE 0 22,395 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,400 63,365 SH   SOLE 0 63,365 0 0
AMERISOURCEBERGEN CORP COM 03073E105 734 8,630 SH   SOLE 0 8,630 0 0
CHEVRON CORP NEW COM 166764100 4,069 33,766 SH   SOLE 0 33,766 0 0
MICROSOFT CORP COM 594918104 3,246 20,584 SH   SOLE 0 20,584 0 0
UNITED PARCEL SERVICE INC CL B 911312106 725 6,197 SH   SOLE 0 6,197 0 0
AT&T INC COM 00206R102 500 12,782 SH   SOLE 0 12,782 0 0
TRUIST FINL CORP COM 89832Q109 788 13,993 SH   SOLE 0 13,993 0 0
CITIGROUP INC COM NEW 172967424 944 11,820 SH   SOLE 0 11,820 0 0
CISCO SYS INC COM 17275R102 405 8,450 SH   SOLE 0 8,450 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 414 3,085 SH   SOLE 0 3,085 0 0
COCA COLA CO COM 191216100 1,869 33,767 SH   SOLE 0 33,767 0 0
PEPSICO INC COM 713448108 1,375 10,062 SH   SOLE 0 10,062 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,045 17,018 SH   SOLE 0 17,018 0 0
XEROX HOLDINGS CORP COM NEW 98421M106 413 11,200 SH   SOLE 0 11,200 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,235 20,103 SH   SOLE 0 20,103 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,515 25,234 SH   SOLE 0 25,234 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 1,157 37,588 SH   SOLE 0 37,588 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,768 21,706 SH   SOLE 0 21,706 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 2,996 32,685 SH   SOLE 0 32,685 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 933 14,808 SH   SOLE 0 14,808 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,489 24,434 SH   SOLE 0 24,434 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,259 18,014 SH   SOLE 0 18,014 0 0
VANGUARD GROUP DIV APP ETF 921908844 479 3,842 SH   SOLE 0 3,842 0 0
BANK AMER CORP COM 060505104 326 9,252 SH   SOLE 0 9,252 0 0
STARBUCKS CORP COM 855244109 496 5,639 SH   SOLE 0 5,639 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 985 5,775 SH   SOLE 0 5,775 0 0
EXXON MOBIL CORP COM 30231G102 2,443 35,013 SH   SOLE 0 35,013 0 0
WALMART INC COM 931142103 1,679 14,132 SH   SOLE 0 14,132 0 0
UNION PACIFIC CORP COM 907818108 836 4,625 SH   SOLE 0 4,625 0 0
TEXAS INSTRS INC COM 882508104 321 2,500 SH   SOLE 0 2,500 0 0
LILLY ELI & CO COM 532457108 974 7,410 SH   SOLE 0 7,410 0 0
CVS HEALTH CORP COM 126650100 1,026 13,815 SH   SOLE 0 13,815 0 0
DOMINION ENERGY INC COM 25746U109 1,164 14,054 SH   SOLE 0 14,054 0 0
SCHLUMBERGER LTD COM 806857108 250 6,231 SH   SOLE 0 6,231 0 0
DANAHER CORPORATION COM 235851102 1,108 7,219 SH   SOLE 0 7,219 0 0
MERCK & CO INC COM 58933Y105 810 8,901 SH   SOLE 0 8,901 0 0
PROCTER & GAMBLE CO COM 742718109 3,227 25,834 SH   SOLE 0 25,834 0 0
GENERAL ELECTRIC CO COM 369604103 351 31,438 SH   SOLE 0 31,438 0 0
HOME DEPOT INC COM 437076102 908 4,159 SH   SOLE 0 4,159 0 0
MCDONALDS CORP COM 580135101 590 2,985 SH   SOLE 0 2,985 0 0
JPMORGAN CHASE & CO COM 46625H100 3,107 22,288 SH   SOLE 0 22,288 0 0
TJX COS INC NEW COM 872540109 971 15,905 SH   SOLE 0 15,905 0 0
MONDELEZ INTL INC CL A 609207105 838 15,217 SH   SOLE 0 15,217 0 0
WELLS FARGO CO NEW COM 949746101 2,241 41,645 SH   SOLE 0 41,645 0 0
ISHARES TR IBOXX INV CP ETF 464287242 288 2,250 SH   SOLE 0 2,250 0 0
AMERICAN TOWER CORP NEW COM 03027X100 968 4,210 SH   SOLE 0 4,210 0 0
ZIMMER BIOMET HLDGS INC COM 98956P102 1,207 8,064 SH   SOLE 0 8,064 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1,351 9,022 SH   SOLE 0 9,022 0 0
MARRIOTT INTL INC NEW CL A 571903202 257 1,700 SH   SOLE 0 1,700 0 0
3M CO COM 88579Y101 409 2,319 SH   SOLE 0 2,319 0 0
DOLLAR TREE INC COM 256746108 922 9,805 SH   SOLE 0 9,805 0 0
COMCAST CORP NEW CL A 20030N101 771 17,150 SH   SOLE 0 17,150 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,033 6,311 SH   SOLE 0 6,311 0 0
NEXTERA ENERGY INC COM 65339F101 424 1,750 SH   SOLE 0 1,750 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 362 3,970 SH   SOLE 0 3,970 0 0
APPLE INC COM 037833100 3,715 12,650 SH   SOLE 0 12,650 0 0
ALLSTATE CORP COM 020002101 2,329 20,709 SH   SOLE 0 20,709 0 0
CATERPILLAR INC DEL COM 149123101 1,586 10,739 SH   SOLE 0 10,739 0 0
TAPESTRY INC COM 876030107 379 14,050 SH   SOLE 0 14,050 0 0
AMERICAN EXPRESS CO COM 025816109 1,950 15,667 SH   SOLE 0 15,667 0 0
E TRADE FINANCIAL CORP COM NEW 269246401 581 12,805 SH   SOLE 0 12,805 0 0
ALLERGAN PLC SHS G0177J108 732 3,830 SH   SOLE 0 3,830 0 0
EOG RES INC COM 26875P101 272 3,250 SH   SOLE 0 3,250 0 0
KLA CORPORATION COM NEW 482480100 1,495 8,390 SH   SOLE 0 8,390 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 724 16,287 SH   SOLE 0 16,287 0 0
CME GROUP INC COM 12572Q105 1,305 6,500 SH   SOLE 0 6,500 0 0
PROLOGIS INC COM 74340W103 464 5,200 SH   SOLE 0 5,200 0 0
AIR PRODS & CHEMS INC COM 009158106 241 1,025 SH   SOLE 0 1,025 0 0
V F CORP COM 918204108 420 4,214 SH   SOLE 0 4,214 0 0
MASCO CORP COM 574599106 500 10,417 SH   SOLE 0 10,417 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 970 15,635 SH   SOLE 0 15,635 0 0
LAUDER ESTEE COS INC CL A 518439104 677 3,280 SH   SOLE 0 3,280 0 0
JACOBS ENGR GROUP INC COM 469814107 497 5,533 SH   SOLE 0 5,533 0 0
PRICE T ROWE GROUP INC COM 74144T108 439 3,600 SH   SOLE 0 3,600 0 0
MOODYS CORP COM 615369105 411 1,730 SH   SOLE 0 1,730 0 0
MICROCHIP TECHNOLOGY INC COM 595017104 2,290 21,870 SH   SOLE 0 21,870 0 0
ALPHABET INC CAP STK CL A 02079K305 2,016 1,505 SH   SOLE 0 1,505 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 573 6,170 SH   SOLE 0 6,170 0 0
BOSTON PROPERTIES INC COM 101121101 276 2,000 SH   SOLE 0 2,000 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 2,191 23,675 SH   SOLE 0 23,675 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 372 4,879 SH   SOLE 0 4,879 0 0
ALEXION PHARMACEUTICALS INC COM 015351109 256 2,370 SH   SOLE 0 2,370 0 0
SALESFORCE COM INC COM 79466L302 2,104 12,934 SH   SOLE 0 12,934 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 1,919 20,433 SH   SOLE 0 20,433 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 643 2,625 SH   SOLE 0 2,625 0 0
BANK MONTREAL QUE COM 063671101 310 4,000 SH   SOLE 0 4,000 0 0
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 182 11,215 SH   SOLE 0 11,215 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,633 86,187 SH   SOLE 0 86,187 0 0
ISHARES TR IBOXX HI YD ETF 464288513 893 10,154 SH   SOLE 0 10,154 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 525 13,973 SH   SOLE 0 13,973 0 0
ISHARES TR NATIONAL MUN ETF 464288414 473 4,150 SH   SOLE 0 4,150 0 0
ISHARES TR INTRM TR CRP ETF 464288638 298 5,140 SH   SOLE 0 5,140 0 0
ISHARES TR RESIDNL REAL EST 464288562 271 3,600 SH   SOLE 0 3,600 0 0
ISHARES TR CALIF MUN BD ETF 464288356 3,368 55,004 SH   SOLE 0 55,004 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 544 17,345 SH   SOLE 0 17,345 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 272 5,288 SH   SOLE 0 5,288 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 349 3,273 SH   SOLE 0 3,273 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,079 33,710 SH   SOLE 0 33,710 0 0
BROADCOM INC COM 11135F101 229 725 SH   SOLE 0 725 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,374 43,892 SH   SOLE 0 43,892 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,850 263,168 SH   SOLE 0 263,168 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,176 15,545 SH   SOLE 0 15,545 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,683 98,043 SH   SOLE 0 98,043 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817 3,710 33,743 SH   SOLE 0 33,743 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 444 9,611 SH   SOLE 0 9,611 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 332 3,300 SH   SOLE 0 3,300 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 813 13,511 SH   SOLE 0 13,511 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 207 3,173 SH   SOLE 0 3,173 0 0
FACEBOOK INC CL A 30303M102 1,492 7,270 SH   SOLE 0 7,270 0 0
ABBVIE INC COM 00287Y109 817 9,224 SH   SOLE 0 9,224 0 0
ALPHABET INC CAP STK CL C 02079K107 471 352 SH   SOLE 0 352 0 0
PAYPAL HLDGS INC COM 70450Y103 1,084 10,025 SH   SOLE 0 10,025 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 1,060 27,399 SH   SOLE 0 27,399 0 0
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152 298 8,832 SH   SOLE 0 8,832 0 0
FORTIVE CORP COM 34959J108 1,093 14,312 SH   SOLE 0 14,312 0 0
DBX ETF TR XTRACK USD HIGH 233051432 953 18,918 SH   SOLE 0 18,918 0 0
DUPONT DE NEMOURS INC COM 26614N102 287 4,475 SH   SOLE 0 4,475 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 632 11,782 SH   SOLE 0 11,782 0 0
DOW INC COM 260557103 241 4,408 SH   SOLE 0 4,408 0 0