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
ISHARES TR CORE S&P MCP ETF 464287507 5,004 21,772 SH   SOLE 0 21,772 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,077 55,241 SH   SOLE 0 55,241 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 334 893 SH   SOLE 0 893 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 998 15,921 SH   SOLE 0 15,921 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 309 618 SH   SOLE 0 618 0 0
AMAZON COM INC COM 023135106 2,264 695 SH   SOLE 0 695 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 298 4,801 SH   SOLE 0 4,801 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 684 2,952 SH   SOLE 0 2,952 0 0
BOEING CO COM 097023105 518 2,420 SH   SOLE 0 2,420 0 0
ABBOTT LABS COM 002824100 2,873 26,236 SH   SOLE 0 26,236 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 222 6,043 SH   SOLE 0 6,043 0 0
INTEL CORP COM 458140100 1,524 30,600 SH   SOLE 0 30,600 0 0
ORACLE CORP COM 68389X105 1,793 27,723 SH   SOLE 0 27,723 0 0
DISNEY WALT CO COM DISNEY 254687106 4,214 23,257 SH   SOLE 0 23,257 0 0
HONEYWELL INTL INC COM 438516106 661 3,110 SH   SOLE 0 3,110 0 0
US BANCORP DEL COM NEW 902973304 1,081 23,200 SH   SOLE 0 23,200 0 0
JOHNSON & JOHNSON COM 478160104 1,562 9,925 SH   SOLE 0 9,925 0 0
PFIZER INC COM 717081103 2,649 71,960 SH   SOLE 0 71,960 0 0
LOWES COS INC COM 548661107 3,256 20,285 SH   SOLE 0 20,285 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,472 33,878 SH   SOLE 0 33,878 0 0
CHEVRON CORP NEW COM 166764100 2,273 26,921 SH   SOLE 0 26,921 0 0
MICROSOFT CORP COM 594918104 4,264 19,169 SH   SOLE 0 19,169 0 0
UNITED PARCEL SERVICE INC CL B 911312106 299 1,775 SH   SOLE 0 1,775 0 0
AT&T INC COM 00206R102 360 12,532 SH   SOLE 0 12,532 0 0
CITIGROUP INC COM NEW 172967424 409 6,640 SH   SOLE 0 6,640 0 0
CISCO SYS INC COM 17275R102 320 7,150 SH   SOLE 0 7,150 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 332 2,635 SH   SOLE 0 2,635 0 0
COCA COLA CO COM 191216100 1,788 32,595 SH   SOLE 0 32,595 0 0
PEPSICO INC COM 713448108 1,454 9,802 SH   SOLE 0 9,802 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 903 15,364 SH   SOLE 0 15,364 0 0
XEROX HOLDINGS CORP COM NEW 98421M106 240 10,353 SH   SOLE 0 10,353 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,224 16,902 SH   SOLE 0 16,902 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 601 15,845 SH   SOLE 0 15,845 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 826 28,008 SH   SOLE 0 28,008 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,265 14,291 SH   SOLE 0 14,291 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,244 24,953 SH   SOLE 0 24,953 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 913 13,537 SH   SOLE 0 13,537 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,251 19,846 SH   SOLE 0 19,846 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,392 14,880 SH   SOLE 0 14,880 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 542 3,842 SH   SOLE 0 3,842 0 0
BK OF AMERICA CORP COM 060505104 262 8,642 SH   SOLE 0 8,642 0 0
STARBUCKS CORP COM 855244109 431 4,031 SH   SOLE 0 4,031 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 978 5,550 SH   SOLE 0 5,550 0 0
EXXON MOBIL CORP COM 30231G102 1,419 34,417 SH   SOLE 0 34,417 0 0
WALMART INC COM 931142103 1,932 13,402 SH   SOLE 0 13,402 0 0
UNION PAC CORP COM 907818108 942 4,525 SH   SOLE 0 4,525 0 0
TARGET CORP COM 87612E106 216 1,221 SH   SOLE 0 1,221 0 0
LILLY ELI & CO COM 532457108 1,214 7,190 SH   SOLE 0 7,190 0 0
CVS HEALTH CORP COM 126650100 948 13,875 SH   SOLE 0 13,875 0 0
DOMINION ENERGY INC COM 25746U109 1,038 13,804 SH   SOLE 0 13,804 0 0
DANAHER CORPORATION COM 235851102 1,344 6,050 SH   SOLE 0 6,050 0 0
MERCK & CO. INC COM 58933Y105 710 8,683 SH   SOLE 0 8,683 0 0
PROCTER AND GAMBLE CO COM 742718109 3,478 24,999 SH   SOLE 0 24,999 0 0
GENERAL ELECTRIC CO COM 369604103 297 27,530 SH   SOLE 0 27,530 0 0
HOME DEPOT INC COM 437076102 1,003 3,775 SH   SOLE 0 3,775 0 0
MCDONALDS CORP COM 580135101 601 2,801 SH   SOLE 0 2,801 0 0
JPMORGAN CHASE & CO COM 46625H100 2,526 19,878 SH   SOLE 0 19,878 0 0
TJX COS INC NEW COM 872540109 1,103 16,150 SH   SOLE 0 16,150 0 0
MONDELEZ INTL INC CL A 609207105 882 15,083 SH   SOLE 0 15,083 0 0
WELLS FARGO CO NEW COM 949746101 908 30,077 SH   SOLE 0 30,077 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 426 3,550 SH   SOLE 0 3,550 0 0
ISHARES TR 20 YR TR BD ETF 464287432 305 1,935 SH   SOLE 0 1,935 0 0
ISHARES TR IBOXX INV CP ETF 464287242 311 2,250 SH   SOLE 0 2,250 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 908 3,477 SH   SOLE 0 3,477 0 0
AMERICAN TOWER CORP NEW COM 03027X100 908 4,044 SH   SOLE 0 4,044 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 1,217 7,898 SH   SOLE 0 7,898 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 456 6,372 SH   SOLE 0 6,372 0 0
MARSH & MCLENNAN COS INC COM 571748102 731 6,250 SH   SOLE 0 6,250 0 0
3M CO COM 88579Y101 405 2,319 SH   SOLE 0 2,319 0 0
DOLLAR TREE INC COM 256746108 1,061 9,825 SH   SOLE 0 9,825 0 0
COMCAST CORP NEW CL A 20030N101 1,523 29,060 SH   SOLE 0 29,060 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,088 5,588 SH   SOLE 0 5,588 0 0
NORFOLK SOUTHN CORP COM 655844108 558 2,350 SH   SOLE 0 2,350 0 0
NEXTERA ENERGY INC COM 65339F101 494 6,400 SH   SOLE 0 6,400 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 315 3,445 SH   SOLE 0 3,445 0 0
APPLE INC COM 037833100 5,678 42,789 SH   SOLE 0 42,789 0 0
ALLSTATE CORP COM 020002101 2,088 18,997 SH   SOLE 0 18,997 0 0
CATERPILLAR INC DEL COM 149123101 1,870 10,274 SH   SOLE 0 10,274 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 406 7,848 SH   SOLE 0 7,848 0 0
TAPESTRY INC COM 876030107 576 18,525 SH   SOLE 0 18,525 0 0
HALLIBURTON CO COM 406216101 213 11,250 SH   SOLE 0 11,250 0 0
AMERICAN EXPRESS CO COM 025816109 1,151 9,523 SH   SOLE 0 9,523 0 0
KLA CORP COM NEW 482480100 1,825 7,050 SH   SOLE 0 7,050 0 0
CME GROUP INC COM 12572Q105 1,183 6,500 SH   SOLE 0 6,500 0 0
PROLOGIS INC. COM 74340W103 518 5,200 SH   SOLE 0 5,200 0 0
AIR PRODS & CHEMS INC COM 009158106 225 825 SH   SOLE 0 825 0 0
V F CORP COM 918204108 228 2,670 SH   SOLE 0 2,670 0 0
MASCO CORP COM 574599106 595 10,832 SH   SOLE 0 10,832 0 0
LAUDER ESTEE COS INC CL A 518439104 845 3,175 SH   SOLE 0 3,175 0 0
JACOBS ENGR GROUP INC COM 469814107 523 4,800 SH   SOLE 0 4,800 0 0
PRICE T ROWE GROUP INC COM 74144T108 545 3,600 SH   SOLE 0 3,600 0 0
MOODYS CORP COM 615369105 446 1,537 SH   SOLE 0 1,537 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 2,762 19,998 SH   SOLE 0 19,998 0 0
ALPHABET INC CAP STK CL A 02079K305 2,554 1,457 SH   SOLE 0 1,457 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 520 6,123 SH   SOLE 0 6,123 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 2,216 19,225 SH   SOLE 0 19,225 0 0
ALEXION PHARMACEUTICALS INC COM 015351109 495 3,170 SH   SOLE 0 3,170 0 0
SALESFORCE COM INC COM 79466L302 2,512 11,289 SH   SOLE 0 11,289 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 448 3,726 SH   SOLE 0 3,726 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 920 2,600 SH   SOLE 0 2,600 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 221 803 SH   SOLE 0 803 0 0
BANK MONTREAL QUE COM 063671101 304 4,000 SH   SOLE 0 4,000 0 0
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855 214 4,288 SH   SOLE 0 4,288 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,072 52,641 SH   SOLE 0 52,641 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,613 18,474 SH   SOLE 0 18,474 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,883 44,665 SH   SOLE 0 44,665 0 0
ISHARES TR MBS ETF 464288588 2,802 25,440 SH   SOLE 0 25,440 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 1,022 7,688 SH   SOLE 0 7,688 0 0
ISHARES TR NATIONAL MUN ETF 464288414 715 6,100 SH   SOLE 0 6,100 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 300 4,850 SH   SOLE 0 4,850 0 0
ISHARES TR RESIDENTIAL MULT 464288562 244 3,600 SH   SOLE 0 3,600 0 0
ISHARES TR CALIF MUN BD ETF 464288356 3,831 60,974 SH   SOLE 0 60,974 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 7,307 216,505 SH   SOLE 0 216,505 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 207 4,665 SH   SOLE 0 4,665 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 425 3,928 SH   SOLE 0 3,928 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,450 25,218 SH   SOLE 0 25,218 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,920 43,077 SH   SOLE 0 43,077 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 13,885 385,590 SH   SOLE 0 385,590 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 363 4,075 SH   SOLE 0 4,075 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,239 138,301 SH   SOLE 0 138,301 0 0
TESLA INC COM 88160R101 441 625 SH   SOLE 0 625 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817 2,353 20,094 SH   SOLE 0 20,094 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 1,169 26,115 SH   SOLE 0 26,115 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 345 3,300 SH   SOLE 0 3,300 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 392 5,750 SH   SOLE 0 5,750 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 1,784 54,810 SH   SOLE 0 54,810 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 268 3,125 SH   SOLE 0 3,125 0 0
FACEBOOK INC CL A 30303M102 1,926 7,052 SH   SOLE 0 7,052 0 0
FLEXSHARES TR READY ACC VARI 33939L886 1,354 17,750 SH   SOLE 0 17,750 0 0
ABBVIE INC COM 00287Y109 922 8,606 SH   SOLE 0 8,606 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795 1,366 25,402 SH   SOLE 0 25,402 0 0
FLEXSHARES TR GLB QLT R/E IDX 33939L787 1,014 17,618 SH   SOLE 0 17,618 0 0
ALPHABET INC CAP STK CL C 02079K107 265 151 SH   SOLE 0 151 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 232 9,680 SH   SOLE 0 9,680 0 0
FLEXSHARES TR DISCP DUR MBS 33939L779 3,420 142,160 SH   SOLE 0 142,160 0 0
FLEXSHARES TR CR SCD US BD 33939L761 1,587 28,916 SH   SOLE 0 28,916 0 0
PAYPAL HLDGS INC COM 70450Y103 2,151 9,185 SH   SOLE 0 9,185 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 908 24,823 SH   SOLE 0 24,823 0 0
FORTIVE CORP COM 34959J108 554 7,822 SH   SOLE 0 7,822 0 0
DBX ETF TR XTRACK USD HIGH 233051432 481 9,605 SH   SOLE 0 9,605 0 0
DUPONT DE NEMOURS INC COM 26614N102 219 3,074 SH   SOLE 0 3,074 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 937 13,887 SH   SOLE 0 13,887 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662 4,818 98,090 SH   SOLE 0 98,090 0 0