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
3M CO COM 88579Y101 289 2,615 SH   SOLE 0 2,615 0 0
ABBOTT LABS COM 002824100 2,333 24,116 SH   SOLE 0 24,116 0 0
ABBVIE INC COM 00287Y109 1,031 7,686 SH   SOLE 0 7,686 0 0
ACTIVISION BLIZZARD INC COM 00507V109 412 5,537 SH   SOLE 0 5,537 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 355 1,290 SH   SOLE 0 1,290 0 0
ADVANCED MICRO DEVICES INC COM 007903107 253 4,000 SH   SOLE 0 4,000 0 0
ALLSTATE CORP COM 020002101 1,310 10,518 SH   SOLE 0 10,518 0 0
ALPHABET INC CAP STK CL A 02079K305 2,304 24,085 SH   SOLE 0 24,085 0 0
AMAZON COM INC COM 023135106 1,390 12,305 SH   SOLE 0 12,305 0 0
AMERICAN EXPRESS CO COM 025816109 1,115 8,265 SH   SOLE 0 8,265 0 0
AMERICAN TOWER CORP NEW COM 03027X100 788 3,669 SH   SOLE 0 3,669 0 0
AMERISOURCEBERGEN CORP COM 03073E105 229 1,691 SH   SOLE 0 1,691 0 0
APPLE INC COM 037833100 4,688 33,921 SH   SOLE 0 33,921 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,074 4,750 SH   SOLE 0 4,750 0 0
BANK MONTREAL QUE COM 063671101 351 4,000 SH   SOLE 0 4,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 703 2,634 SH   SOLE 0 2,634 0 0
BIOGEN INC COM 09062X103 352 1,317 SH   SOLE 0 1,317 0 0
BLACKROCK INC COM 09247X101 398 723 SH   SOLE 0 723 0 0
BLACKSTONE INC COM 09260D107 369 4,410 SH   SOLE 0 4,410 0 0
BOEING CO COM 097023105 439 3,629 SH   SOLE 0 3,629 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 229 3,228 SH   SOLE 0 3,228 0 0
CATERPILLAR INC COM 149123101 1,396 8,507 SH   SOLE 0 8,507 0 0
CDW CORP COM 12514G108 238 1,524 SH   SOLE 0 1,524 0 0
CHEVRON CORP NEW COM 166764100 3,433 23,892 SH   SOLE 0 23,892 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 464 309 SH   SOLE 0 309 0 0
CITIGROUP INC COM NEW 172967424 349 8,373 SH   SOLE 0 8,373 0 0
CME GROUP INC COM 12572Q105 797 4,500 SH   SOLE 0 4,500 0 0
COCA COLA CO COM 191216100 1,742 31,097 SH   SOLE 0 31,097 0 0
COMCAST CORP NEW CL A 20030N101 633 21,585 SH   SOLE 0 21,585 0 0
COSTCO WHSL CORP NEW COM 22160K105 292 619 SH   SOLE 0 619 0 0
CVS HEALTH CORP COM 126650100 1,240 13,002 SH   SOLE 0 13,002 0 0
DANAHER CORPORATION COM 235851102 1,258 4,870 SH   SOLE 0 4,870 0 0
DISNEY WALT CO COM 254687106 1,756 18,617 SH   SOLE 0 18,617 0 0
DOLLAR TREE INC COM 256746108 1,183 8,689 SH   SOLE 0 8,689 0 0
DOMINION ENERGY INC COM 25746U109 700 10,122 SH   SOLE 0 10,122 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 211 2,265 SH   SOLE 0 2,265 0 0
EXXON MOBIL CORP COM 30231G102 2,346 26,867 SH   SOLE 0 26,867 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795 2,265 49,595 SH   SOLE 0 49,595 0 0
FLEXSHARES TR GLB QLT R/E IDX 33939L787 1,994 39,799 SH   SOLE 0 39,799 0 0
FLEXSHARES TR READY ACC VARI 33939L886 3,776 50,765 SH   SOLE 0 50,765 0 0
FLEXSHARES TR DISCP DUR MBS 33939L779 9,665 478,333 SH   SOLE 0 478,333 0 0
FLEXSHARES TR CR SCD US BD 33939L761 4,402 96,472 SH   SOLE 0 96,472 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 4,165 110,792 SH   SOLE 0 110,792 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506 2,455 105,020 SH   SOLE 0 105,020 0 0
FLEXSHARES TR CR SCORED LONG 33939L753 341 8,405 SH   SOLE 0 8,405 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662 10,415 266,441 SH   SOLE 0 266,441 0 0
FORTIVE CORP COM 34959J108 332 5,693 SH   SOLE 0 5,693 0 0
FREEPORT-MCMORAN INC CL B 35671D857 226 8,265 SH   SOLE 0 8,265 0 0
HALLIBURTON CO COM 406216101 237 9,625 SH   SOLE 0 9,625 0 0
HOME DEPOT INC COM 437076102 887 3,215 SH   SOLE 0 3,215 0 0
HONEYWELL INTL INC COM 438516106 464 2,777 SH   SOLE 0 2,777 0 0
INTEL CORP COM 458140100 519 20,135 SH   SOLE 0 20,135 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,546 17,111 SH   SOLE 0 17,111 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 573 4,822 SH   SOLE 0 4,822 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,998 22,794 SH   SOLE 0 22,794 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,064 58,082 SH   SOLE 0 58,082 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,861 33,231 SH   SOLE 0 33,231 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 2,294 23,900 SH   SOLE 0 23,900 0 0
ISHARES TR 20 YR TR BD ETF 464287432 2,676 26,122 SH   SOLE 0 26,122 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 285 8,173 SH   SOLE 0 8,173 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 1,606 32,585 SH   SOLE 0 32,585 0 0
ISHARES TR ISHARES SEMICDTR 464287523 371 1,165 SH   SOLE 0 1,165 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 317 3,300 SH   SOLE 0 3,300 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 449 8,975 SH   SOLE 0 8,975 0 0
ISHARES TR MBS ETF 464288588 5,424 59,230 SH   SOLE 0 59,230 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 7,450 65,187 SH   SOLE 0 65,187 0 0
ISHARES TR NATIONAL MUN ETF 464288414 258 2,515 SH   SOLE 0 2,515 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 933 19,315 SH   SOLE 0 19,315 0 0
ISHARES TR RESIDENTIAL MULT 464288562 259 3,600 SH   SOLE 0 3,600 0 0
ISHARES TR CALIF MUN BD ETF 464288356 1,418 26,150 SH   SOLE 0 26,150 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,507 14,678 SH   SOLE 0 14,678 0 0
ISHARES TR 10+ YR INVST GRD 464289511 593 12,300 SH   SOLE 0 12,300 0 0
JACOBS ENGR GROUP INC COM 469814107 439 4,050 SH   SOLE 0 4,050 0 0
JOHNSON & JOHNSON COM 478160104 693 4,242 SH   SOLE 0 4,242 0 0
JPMORGAN CHASE & CO COM 46625H100 1,753 16,771 SH   SOLE 0 16,771 0 0
KLA CORP COM NEW 482480100 1,592 5,261 SH   SOLE 0 5,261 0 0
LAUDER ESTEE COS INC CL A 518439104 622 2,881 SH   SOLE 0 2,881 0 0
LILLY ELI & CO COM 532457108 1,202 3,718 SH   SOLE 0 3,718 0 0
LOWES COS INC COM 548661107 3,268 17,398 SH   SOLE 0 17,398 0 0
MARSH & MCLENNAN COS INC COM 571748102 864 5,787 SH   SOLE 0 5,787 0 0
MASCO CORP COM 574599106 471 10,083 SH   SOLE 0 10,083 0 0
MASTERCARD INCORPORATED CL A 57636Q104 502 1,766 SH   SOLE 0 1,766 0 0
MCDONALDS CORP COM 580135101 408 1,769 SH   SOLE 0 1,769 0 0
MERCK & CO INC COM 58933Y105 545 6,333 SH   SOLE 0 6,333 0 0
META PLATFORMS INC CL A 30303M102 945 6,966 SH   SOLE 0 6,966 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 2,307 37,800 SH   SOLE 0 37,800 0 0
MICROSOFT CORP COM 594918104 3,866 16,601 SH   SOLE 0 16,601 0 0
MONDELEZ INTL INC CL A 609207105 773 14,091 SH   SOLE 0 14,091 0 0
MOODYS CORP COM 615369105 280 1,150 SH   SOLE 0 1,150 0 0
NEXTERA ENERGY INC COM 65339F101 599 7,645 SH   SOLE 0 7,645 0 0
NORFOLK SOUTHN CORP COM 655844108 414 1,976 SH   SOLE 0 1,976 0 0
NVIDIA CORPORATION COM 67066G104 721 5,942 SH   SOLE 0 5,942 0 0
ORACLE CORP COM 68389X105 499 8,175 SH   SOLE 0 8,175 0 0
PALO ALTO NETWORKS INC COM 697435105 255 1,559 SH   SOLE 0 1,559 0 0
PEPSICO INC COM 713448108 1,082 6,630 SH   SOLE 0 6,630 0 0
PFIZER INC COM 717081103 2,855 65,233 SH   SOLE 0 65,233 0 0
PINTEREST INC CL A 72352L106 213 9,159 SH   SOLE 0 9,159 0 0
PRICE T ROWE GROUP INC COM 74144T108 203 1,931 SH   SOLE 0 1,931 0 0
PROCTER AND GAMBLE CO COM 742718109 2,331 18,462 SH   SOLE 0 18,462 0 0
PROLOGIS INC. COM 74340W103 528 5,200 SH   SOLE 0 5,200 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 402 4,907 SH   SOLE 0 4,907 0 0
SALESFORCE INC COM 79466L302 1,542 10,718 SH   SOLE 0 10,718 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 921 15,219 SH   SOLE 0 15,219 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,239 233,897 SH   SOLE 0 233,897 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,660 63,354 SH   SOLE 0 63,354 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,311 508,757 SH   SOLE 0 508,757 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 855 22,623 SH   SOLE 0 22,623 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 804 22,324 SH   SOLE 0 22,324 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 842 12,851 SH   SOLE 0 12,851 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 996 14,640 SH   SOLE 0 14,640 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,628 22,606 SH   SOLE 0 22,606 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,131 37,253 SH   SOLE 0 37,253 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,266 15,288 SH   SOLE 0 15,288 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,049 25,668 SH   SOLE 0 25,668 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,021 15,298 SH   SOLE 0 15,298 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,464 20,348 SH   SOLE 0 20,348 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,291 16,082 SH   SOLE 0 16,082 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 838 17,497 SH   SOLE 0 17,497 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 1,000 20,220 SH   SOLE 0 20,220 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 8,081 313,200 SH   SOLE 0 313,200 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,353 75,820 SH   SOLE 0 75,820 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672 1,190 42,315 SH   SOLE 0 42,315 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 787 26,550 SH   SOLE 0 26,550 0 0
STARBUCKS CORP COM 855244109 250 2,970 SH   SOLE 0 2,970 0 0
TAPESTRY INC COM 876030107 438 15,390 SH   SOLE 0 15,390 0 0
TESLA INC COM 88160R101 298 1,125 SH   SOLE 0 1,125 0 0
TJX COS INC NEW COM 872540109 981 15,800 SH   SOLE 0 15,800 0 0
TRUIST FINL CORP COM 89832Q109 310 7,110 SH   SOLE 0 7,110 0 0
UNION PAC CORP COM 907818108 252 1,291 SH   SOLE 0 1,291 0 0
UNITED PARCEL SERVICE INC CL B 911312106 244 1,510 SH   SOLE 0 1,510 0 0
US BANCORP DEL COM NEW 902973304 352 8,733 SH   SOLE 0 8,733 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 743 4,142 SH   SOLE 0 4,142 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 489 6,095 SH   SOLE 0 6,095 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,982 44,686 SH   SOLE 0 44,686 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 373 4,925 SH   SOLE 0 4,925 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 937 20,775 SH   SOLE 0 20,775 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 517 3,822 SH   SOLE 0 3,822 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 249 3,026 SH   SOLE 0 3,026 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 787 2,562 SH   SOLE 0 2,562 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 343 9,042 SH   SOLE 0 9,042 0 0
WALMART INC COM 931142103 1,145 8,825 SH   SOLE 0 8,825 0 0
WELLS FARGO CO NEW COM 949746101 740 18,400 SH   SOLE 0 18,400 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 636 6,083 SH   SOLE 0 6,083 0 0