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 5,556 21,347 SH   SOLE 0 21,347 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,803 53,466 SH   SOLE 0 53,466 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 288 726 SH   SOLE 0 726 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,054 16,461 SH   SOLE 0 16,461 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 261 548 SH   SOLE 0 548 0 0
AMAZON COM INC COM 023135106 2,123 686 SH   SOLE 0 686 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 290 4,586 SH   SOLE 0 4,586 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 736 2,880 SH   SOLE 0 2,880 0 0
BOEING CO COM 097023105 678 2,660 SH   SOLE 0 2,660 0 0
ABBOTT LABS COM 002824100 2,952 24,635 SH   SOLE 0 24,635 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 259 7,249 SH   SOLE 0 7,249 0 0
INTEL CORP COM 458140100 1,938 30,280 SH   SOLE 0 30,280 0 0
ORACLE CORP COM 68389X105 1,959 27,923 SH   SOLE 0 27,923 0 0
DISNEY WALT CO COM 254687106 3,995 21,650 SH   SOLE 0 21,650 0 0
HONEYWELL INTL INC COM 438516106 690 3,179 SH   SOLE 0 3,179 0 0
US BANCORP DEL COM NEW 902973304 1,283 23,200 SH   SOLE 0 23,200 0 0
JOHNSON & JOHNSON COM 478160104 1,567 9,535 SH   SOLE 0 9,535 0 0
PFIZER INC COM 717081103 2,446 67,505 SH   SOLE 0 67,505 0 0
LOWES COS INC COM 548661107 3,871 20,355 SH   SOLE 0 20,355 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,616 34,478 SH   SOLE 0 34,478 0 0
CHEVRON CORP NEW COM 166764100 2,880 27,481 SH   SOLE 0 27,481 0 0
MICROSOFT CORP COM 594918104 4,363 18,504 SH   SOLE 0 18,504 0 0
UNITED PARCEL SERVICE INC CL B 911312106 302 1,775 SH   SOLE 0 1,775 0 0
AT&T INC COM 00206R102 376 12,432 SH   SOLE 0 12,432 0 0
CITIGROUP INC COM NEW 172967424 555 7,635 SH   SOLE 0 7,635 0 0
CISCO SYS INC COM 17275R102 318 6,150 SH   SOLE 0 6,150 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 331 2,485 SH   SOLE 0 2,485 0 0
COCA COLA CO COM 191216100 1,725 32,720 SH   SOLE 0 32,720 0 0
PEPSICO INC COM 713448108 1,383 9,777 SH   SOLE 0 9,777 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 825 14,184 SH   SOLE 0 14,184 0 0
XEROX HOLDINGS CORP COM NEW 98421M106 251 10,353 SH   SOLE 0 10,353 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,328 16,857 SH   SOLE 0 16,857 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 853 17,395 SH   SOLE 0 17,395 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 921 27,063 SH   SOLE 0 27,063 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,426 14,481 SH   SOLE 0 14,481 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,030 22,818 SH   SOLE 0 22,818 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 923 13,514 SH   SOLE 0 13,514 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,066 17,694 SH   SOLE 0 17,694 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,492 14,825 SH   SOLE 0 14,825 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 565 3,842 SH   SOLE 0 3,842 0 0
BK OF AMERICA CORP COM 060505104 319 8,242 SH   SOLE 0 8,242 0 0
STARBUCKS CORP COM 855244109 427 3,906 SH   SOLE 0 3,906 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,022 5,425 SH   SOLE 0 5,425 0 0
EXXON MOBIL CORP COM 30231G102 1,852 33,172 SH   SOLE 0 33,172 0 0
WALMART INC COM 931142103 1,820 13,402 SH   SOLE 0 13,402 0 0
UNION PAC CORP COM 907818108 997 4,525 SH   SOLE 0 4,525 0 0
TARGET CORP COM 87612E106 246 1,241 SH   SOLE 0 1,241 0 0
LILLY ELI & CO COM 532457108 1,227 6,570 SH   SOLE 0 6,570 0 0
CVS HEALTH CORP COM 126650100 1,032 13,715 SH   SOLE 0 13,715 0 0
DOMINION ENERGY INC COM 25746U109 966 12,715 SH   SOLE 0 12,715 0 0
DANAHER CORPORATION COM 235851102 1,289 5,725 SH   SOLE 0 5,725 0 0
MERCK & CO. INC COM 58933Y105 635 8,239 SH   SOLE 0 8,239 0 0
PROCTER AND GAMBLE CO COM 742718109 3,336 24,634 SH   SOLE 0 24,634 0 0
GENERAL ELECTRIC CO COM 369604103 356 27,130 SH   SOLE 0 27,130 0 0
HOME DEPOT INC COM 437076102 1,111 3,640 SH   SOLE 0 3,640 0 0
MCDONALDS CORP COM 580135101 618 2,759 SH   SOLE 0 2,759 0 0
JPMORGAN CHASE & CO COM 46625H100 2,803 18,413 SH   SOLE 0 18,413 0 0
TJX COS INC NEW COM 872540109 1,090 16,480 SH   SOLE 0 16,480 0 0
MONDELEZ INTL INC CL A 609207105 878 15,008 SH   SOLE 0 15,008 0 0
WELLS FARGO CO NEW COM 949746101 981 25,097 SH   SOLE 0 25,097 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 528 4,675 SH   SOLE 0 4,675 0 0
ISHARES TR 20 YR TR BD ETF 464287432 372 2,745 SH   SOLE 0 2,745 0 0
ISHARES TR IBOXX INV CP ETF 464287242 267 2,050 SH   SOLE 0 2,050 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,035 3,748 SH   SOLE 0 3,748 0 0
AMERICAN TOWER CORP NEW COM 03027X100 961 4,019 SH   SOLE 0 4,019 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 1,203 7,513 SH   SOLE 0 7,513 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 481 6,222 SH   SOLE 0 6,222 0 0
MARSH & MCLENNAN COS INC COM 571748102 766 6,287 SH   SOLE 0 6,287 0 0
3M CO COM 88579Y101 447 2,319 SH   SOLE 0 2,319 0 0
DOLLAR TREE INC COM 256746108 1,157 10,105 SH   SOLE 0 10,105 0 0
COMCAST CORP NEW CL A 20030N101 1,561 28,845 SH   SOLE 0 28,845 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,104 5,343 SH   SOLE 0 5,343 0 0
NORFOLK SOUTHN CORP COM 655844108 617 2,297 SH   SOLE 0 2,297 0 0
NEXTERA ENERGY INC COM 65339F101 469 6,200 SH   SOLE 0 6,200 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 333 3,445 SH   SOLE 0 3,445 0 0
APPLE INC COM 037833100 5,120 41,914 SH   SOLE 0 41,914 0 0
ALLSTATE CORP COM 020002101 2,039 17,747 SH   SOLE 0 17,747 0 0
CATERPILLAR INC COM 149123101 2,360 10,179 SH   SOLE 0 10,179 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 419 7,848 SH   SOLE 0 7,848 0 0
TAPESTRY INC COM 876030107 686 16,635 SH   SOLE 0 16,635 0 0
HALLIBURTON CO COM 406216101 225 10,475 SH   SOLE 0 10,475 0 0
AMERICAN EXPRESS CO COM 025816109 1,266 8,951 SH   SOLE 0 8,951 0 0
KLA CORP COM NEW 482480100 1,971 5,965 SH   SOLE 0 5,965 0 0
CME GROUP INC COM 12572Q105 1,327 6,500 SH   SOLE 0 6,500 0 0
PROLOGIS INC. COM 74340W103 551 5,200 SH   SOLE 0 5,200 0 0
AIR PRODS & CHEMS INC COM 009158106 232 825 SH   SOLE 0 825 0 0
NVIDIA CORPORATION COM 67066G104 584 1,093 SH   SOLE 0 1,093 0 0
MASCO CORP COM 574599106 659 10,997 SH   SOLE 0 10,997 0 0
LAUDER ESTEE COS INC CL A 518439104 863 2,968 SH   SOLE 0 2,968 0 0
JACOBS ENGR GROUP INC COM 469814107 608 4,700 SH   SOLE 0 4,700 0 0
PRICE T ROWE GROUP INC COM 74144T108 618 3,600 SH   SOLE 0 3,600 0 0
MOODYS CORP COM 615369105 417 1,395 SH   SOLE 0 1,395 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 3,078 19,833 SH   SOLE 0 19,833 0 0
ALPHABET INC CAP STK CL A 02079K305 2,888 1,400 SH   SOLE 0 1,400 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 562 6,123 SH   SOLE 0 6,123 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801 220 1,273 SH   SOLE 0 1,273 0 0
BLACKROCK INC COM 09247X101 440 583 SH   SOLE 0 583 0 0
BOSTON PROPERTIES INC COM 101121101 203 2,000 SH   SOLE 0 2,000 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 2,041 18,277 SH   SOLE 0 18,277 0 0
ALEXION PHARMACEUTICALS INC COM 015351109 455 2,975 SH   SOLE 0 2,975 0 0
SALESFORCE COM INC COM 79466L302 2,386 11,261 SH   SOLE 0 11,261 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 471 3,626 SH   SOLE 0 3,626 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 896 2,500 SH   SOLE 0 2,500 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 237 803 SH   SOLE 0 803 0 0
BANK MONTREAL QUE COM 063671101 356 4,000 SH   SOLE 0 4,000 0 0
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855 206 4,008 SH   SOLE 0 4,008 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,193 52,616 SH   SOLE 0 52,616 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,589 18,229 SH   SOLE 0 18,229 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,986 45,365 SH   SOLE 0 45,365 0 0
ISHARES TR MBS ETF 464288588 4,690 43,255 SH   SOLE 0 43,255 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 1,957 15,065 SH   SOLE 0 15,065 0 0
ISHARES TR NATIONAL MUN ETF 464288414 708 6,100 SH   SOLE 0 6,100 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 287 4,850 SH   SOLE 0 4,850 0 0
ISHARES TR RESIDENTIAL MULT 464288562 266 3,600 SH   SOLE 0 3,600 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672 397 12,375 SH   SOLE 0 12,375 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 398 10,200 SH   SOLE 0 10,200 0 0
ISHARES TR CALIF MUN BD ETF 464288356 3,796 61,109 SH   SOLE 0 61,109 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 7,725 218,465 SH   SOLE 0 218,465 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 488 4,528 SH   SOLE 0 4,528 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,773 19,056 SH   SOLE 0 19,056 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,437 45,875 SH   SOLE 0 45,875 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 15,832 420,832 SH   SOLE 0 420,832 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 409 4,100 SH   SOLE 0 4,100 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,631 145,718 SH   SOLE 0 145,718 0 0
TESLA INC COM 88160R101 250 375 SH   SOLE 0 375 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817 1,786 16,035 SH   SOLE 0 16,035 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 1,223 24,335 SH   SOLE 0 24,335 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 349 3,300 SH   SOLE 0 3,300 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 434 5,835 SH   SOLE 0 5,835 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 2,189 60,500 SH   SOLE 0 60,500 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 299 3,125 SH   SOLE 0 3,125 0 0
FACEBOOK INC CL A 30303M102 2,060 6,994 SH   SOLE 0 6,994 0 0
FLEXSHARES TR READY ACC VARI 33939L886 1,561 20,500 SH   SOLE 0 20,500 0 0
ABBVIE INC COM 00287Y109 916 8,464 SH   SOLE 0 8,464 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795 1,758 31,316 SH   SOLE 0 31,316 0 0
FLEXSHARES TR GLB QLT R/E IDX 33939L787 1,374 22,646 SH   SOLE 0 22,646 0 0
ALPHABET INC CAP STK CL C 02079K107 232 112 SH   SOLE 0 112 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 245 9,620 SH   SOLE 0 9,620 0 0
FLEXSHARES TR DISCP DUR MBS 33939L779 5,597 234,340 SH   SOLE 0 234,340 0 0
FLEXSHARES TR CR SCD US BD 33939L761 2,421 45,243 SH   SOLE 0 45,243 0 0
PAYPAL HLDGS INC COM 70450Y103 2,011 8,280 SH   SOLE 0 8,280 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 889 22,517 SH   SOLE 0 22,517 0 0
FORTIVE CORP COM 34959J108 553 7,822 SH   SOLE 0 7,822 0 0
DBX ETF TR XTRACK USD HIGH 233051432 407 8,135 SH   SOLE 0 8,135 0 0
DUPONT DE NEMOURS INC COM 26614N102 238 3,074 SH   SOLE 0 3,074 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,017 13,870 SH   SOLE 0 13,870 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662 6,233 125,853 SH   SOLE 0 125,853 0 0
PINTEREST INC CL A 72352L106 595 8,034 SH   SOLE 0 8,034 0 0