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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   309,034 2,577 SH   SOLE 0 2,577 0 0
ABBOTT LABS COM 002824100   2,572,113 23,428 SH   SOLE 0 23,428 0 0
ABBVIE INC COM 00287Y109   1,214,338 7,514 SH   SOLE 0 7,514 0 0
ACTIVISION BLIZZARD INC COM 00507V109   423,475 5,532 SH   SOLE 0 5,532 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   634,696 1,886 SH   SOLE 0 1,886 0 0
AIR PRODS & CHEMS INC COM 009158106   204,993 665 SH   SOLE 0 665 0 0
ALLSTATE CORP COM 020002101   1,306,235 9,633 SH   SOLE 0 9,633 0 0
ALPHABET INC CAP STK CL A 02079K305   2,072,523 23,490 SH   SOLE 0 23,490 0 0
AMAZON COM INC COM 023135106   1,034,880 12,320 SH   SOLE 0 12,320 0 0
AMERICAN EXPRESS CO COM 025816109   1,210,073 8,190 SH   SOLE 0 8,190 0 0
AMERICAN TOWER CORP NEW COM 03027X100   782,399 3,693 SH   SOLE 0 3,693 0 0
AMERISOURCEBERGEN CORP COM 03073E105   276,073 1,666 SH   SOLE 0 1,666 0 0
ANALOG DEVICES INC COM 032654105   384,814 2,346 SH   SOLE 0 2,346 0 0
APPLE INC COM 037833100   4,382,122 33,727 SH   SOLE 0 33,727 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   1,116,671 4,675 SH   SOLE 0 4,675 0 0
BANK MONTREAL QUE COM 063671101   362,400 4,000 SH   SOLE 0 4,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   799,742 2,589 SH   SOLE 0 2,589 0 0
BIOGEN INC COM 09062X103   357,227 1,290 SH   SOLE 0 1,290 0 0
BLACKROCK INC COM 09247X101   513,048 724 SH   SOLE 0 724 0 0
BLACKSTONE INC COM 09260D107   394,913 5,323 SH   SOLE 0 5,323 0 0
BOEING CO COM 097023105   693,384 3,640 SH   SOLE 0 3,640 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   229,345 3,188 SH   SOLE 0 3,188 0 0
CATERPILLAR INC COM 149123101   2,033,146 8,487 SH   SOLE 0 8,487 0 0
CDW CORP COM 12514G108   277,335 1,553 SH   SOLE 0 1,553 0 0
CHEVRON CORP NEW COM 166764100   4,253,913 23,700 SH   SOLE 0 23,700 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   419,022 302 SH   SOLE 0 302 0 0
CISCO SYS INC COM 17275R102   507,366 10,650 SH   SOLE 0 10,650 0 0
CITIGROUP INC COM NEW 172967424   397,262 8,783 SH   SOLE 0 8,783 0 0
CME GROUP INC COM 12572Q105   756,720 4,500 SH   SOLE 0 4,500 0 0
COCA COLA CO COM 191216100   1,949,837 30,653 SH   SOLE 0 30,653 0 0
COMCAST CORP NEW CL A 20030N101   560,569 16,030 SH   SOLE 0 16,030 0 0
COSTCO WHSL CORP NEW COM 22160K105   301,290 660 SH   SOLE 0 660 0 0
CVS HEALTH CORP COM 126650100   1,187,893 12,747 SH   SOLE 0 12,747 0 0
DANAHER CORPORATION COM 235851102   1,270,035 4,785 SH   SOLE 0 4,785 0 0
DEERE & CO COM 244199105   319,426 745 SH   SOLE 0 745 0 0
DISNEY WALT CO COM 254687106   1,479,740 17,032 SH   SOLE 0 17,032 0 0
DOLLAR TREE INC COM 256746108   1,179,468 8,339 SH   SOLE 0 8,339 0 0
DOMINION ENERGY INC COM 25746U109   620,694 10,122 SH   SOLE 0 10,122 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   230,698 2,240 SH   SOLE 0 2,240 0 0
EXXON MOBIL CORP COM 30231G102   2,936,627 26,624 SH   SOLE 0 26,624 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795   2,770,483 54,959 SH   SOLE 0 54,959 0 0
FLEXSHARES TR GLB QLT R/E IDX 33939L787   2,713,539 51,549 SH   SOLE 0 51,549 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   5,115,680 117,683 SH   SOLE 0 117,683 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506   2,330,479 99,085 SH   SOLE 0 99,085 0 0
FLEXSHARES TR DISCP DUR MBS 33939L779   10,762,388 528,345 SH   SOLE 0 528,345 0 0
FLEXSHARES TR CR SCD US BD 33939L761   5,142,995 110,898 SH   SOLE 0 110,898 0 0
FLEXSHARES TR CR SCORED LONG 33939L753   320,010 7,595 SH   SOLE 0 7,595 0 0
FLEXSHARES TR READY ACC VARI 33939L886   4,009,416 53,890 SH   SOLE 0 53,890 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662   11,197,292 280,986 SH   SOLE 0 280,986 0 0
FORTIVE CORP COM 34959J108   365,775 5,693 SH   SOLE 0 5,693 0 0
FREEPORT-MCMORAN INC CL B 35671D857   333,070 8,765 SH   SOLE 0 8,765 0 0
GSK PLC SPONSORED ADR 37733W204   243,977 6,943 SH   SOLE 0 6,943 0 0
HALLIBURTON CO COM 406216101   378,744 9,625 SH   SOLE 0 9,625 0 0
HOME DEPOT INC COM 437076102   968,111 3,065 SH   SOLE 0 3,065 0 0
HONEYWELL INTL INC COM 438516106   588,896 2,748 SH   SOLE 0 2,748 0 0
INTEL CORP COM 458140100   748,365 28,315 SH   SOLE 0 28,315 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,687,708 16,451 SH   SOLE 0 16,451 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   709,663 5,037 SH   SOLE 0 5,037 0 0
ISHARES TR CORE S&P MCP ETF 464287507   5,571,452 23,033 SH   SOLE 0 23,033 0 0
ISHARES TR CORE S&P SCP ETF 464287804   5,578,176 58,941 SH   SOLE 0 58,941 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,106,216 32,087 SH   SOLE 0 32,087 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   3,421,549 35,723 SH   SOLE 0 35,723 0 0
ISHARES TR 20 YR TR BD ETF 464287432   3,301,907 33,165 SH   SOLE 0 33,165 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   411,139 10,848 SH   SOLE 0 10,848 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   450,360 9,000 SH   SOLE 0 9,000 0 0
ISHARES TR CALIF MUN BD ETF 464288356   1,397,139 24,900 SH   SOLE 0 24,900 0 0
ISHARES TR 10+ YR INVST GRD 464289511   1,291,802 25,945 SH   SOLE 0 25,945 0 0
ISHARES TR MBS ETF 464288588   7,897,199 85,145 SH   SOLE 0 85,145 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   10,196,488 88,750 SH   SOLE 0 88,750 0 0
ISHARES TR NATIONAL MUN ETF 464288414   239,003 2,265 SH   SOLE 0 2,265 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   772,356 15,600 SH   SOLE 0 15,600 0 0
ISHARES TR RESIDENTIAL MULT 464288562   246,024 3,600 SH   SOLE 0 3,600 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   2,013,226 40,410 SH   SOLE 0 40,410 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,542,466 14,793 SH   SOLE 0 14,793 0 0
JACOBS SOLUTIONS INC COM 46982L108   477,278 3,975 SH   SOLE 0 3,975 0 0
JOHNSON & JOHNSON COM 478160104   739,280 4,185 SH   SOLE 0 4,185 0 0
JOHNSON CTLS INTL PLC SHS G51502105   242,560 3,790 SH   SOLE 0 3,790 0 0
JPMORGAN CHASE & CO COM 46625H100   2,209,163 16,474 SH   SOLE 0 16,474 0 0
KLA CORP COM NEW 482480100   1,152,581 3,057 SH   SOLE 0 3,057 0 0
LAUDER ESTEE COS INC CL A 518439104   703,888 2,837 SH   SOLE 0 2,837 0 0
LILLY ELI & CO COM 532457108   1,262,148 3,450 SH   SOLE 0 3,450 0 0
LOWES COS INC COM 548661107   3,327,906 16,703 SH   SOLE 0 16,703 0 0
MARSH & MCLENNAN COS INC COM 571748102   944,891 5,710 SH   SOLE 0 5,710 0 0
MASTERCARD INCORPORATED CL A 57636Q104   672,162 1,933 SH   SOLE 0 1,933 0 0
MCDONALDS CORP COM 580135101   451,163 1,712 SH   SOLE 0 1,712 0 0
MERCK & CO INC COM 58933Y105   697,099 6,283 SH   SOLE 0 6,283 0 0
META PLATFORMS INC CL A 30303M102   624,565 5,190 SH   SOLE 0 5,190 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   2,585,270 36,801 SH   SOLE 0 36,801 0 0
MICROSOFT CORP COM 594918104   3,958,229 16,505 SH   SOLE 0 16,505 0 0
MONDELEZ INTL INC CL A 609207105   916,171 13,746 SH   SOLE 0 13,746 0 0
MOODYS CORP COM 615369105   292,551 1,050 SH   SOLE 0 1,050 0 0
NEXTERA ENERGY INC COM 65339F101   646,228 7,730 SH   SOLE 0 7,730 0 0
NIKE INC CL B 654106103   220,564 1,885 SH   SOLE 0 1,885 0 0
NORFOLK SOUTHN CORP COM 655844108   480,026 1,948 SH   SOLE 0 1,948 0 0
NVIDIA CORPORATION COM 67066G104   861,934 5,898 SH   SOLE 0 5,898 0 0
ORACLE CORP COM 68389X105   660,051 8,075 SH   SOLE 0 8,075 0 0
PALO ALTO NETWORKS INC COM 697435105   225,776 1,618 SH   SOLE 0 1,618 0 0
PEPSICO INC COM 713448108   1,132,016 6,266 SH   SOLE 0 6,266 0 0
PFIZER INC COM 717081103   3,219,067 62,823 SH   SOLE 0 62,823 0 0
PRICE T ROWE GROUP INC COM 74144T108   210,595 1,931 SH   SOLE 0 1,931 0 0
PROCTER AND GAMBLE CO COM 742718109   2,723,230 17,968 SH   SOLE 0 17,968 0 0
PROLOGIS INC. COM 74340W103   586,196 5,200 SH   SOLE 0 5,200 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   480,884 4,765 SH   SOLE 0 4,765 0 0
SALESFORCE INC COM 79466L302   1,401,609 10,571 SH   SOLE 0 10,571 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,162,544 17,719 SH   SOLE 0 17,719 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   5,187,294 219,151 SH   SOLE 0 219,151 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,693,798 60,116 SH   SOLE 0 60,116 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   18,113,197 562,347 SH   SOLE 0 562,347 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,067,236 26,345 SH   SOLE 0 26,345 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   930,171 13,194 SH   SOLE 0 13,194 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,136,559 14,631 SH   SOLE 0 14,631 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   2,078,637 23,764 SH   SOLE 0 23,764 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,421,447 41,563 SH   SOLE 0 41,563 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   1,575,852 16,046 SH   SOLE 0 16,046 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,447,486 27,704 SH   SOLE 0 27,704 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,213,275 16,275 SH   SOLE 0 16,275 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,878,895 21,192 SH   SOLE 0 21,192 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,147,022 16,623 SH   SOLE 0 16,623 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   935,421 19,492 SH   SOLE 0 19,492 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   843,161 22,831 SH   SOLE 0 22,831 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,282,651 99,595 SH   SOLE 0 99,595 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   1,095,924 19,220 SH   SOLE 0 19,220 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   8,731,977 294,105 SH   SOLE 0 294,105 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   347,352 12,300 SH   SOLE 0 12,300 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,206,922 41,575 SH   SOLE 0 41,575 0 0
STARBUCKS CORP COM 855244109   292,144 2,945 SH   SOLE 0 2,945 0 0
TAPESTRY INC COM 876030107   579,578 15,220 SH   SOLE 0 15,220 0 0
TJX COS INC NEW COM 872540109   1,203,950 15,125 SH   SOLE 0 15,125 0 0
TRUIST FINL CORP COM 89832Q109   318,422 7,400 SH   SOLE 0 7,400 0 0
UNION PAC CORP COM 907818108   253,868 1,226 SH   SOLE 0 1,226 0 0
UNITED PARCEL SERVICE INC CL B 911312106   258,152 1,485 SH   SOLE 0 1,485 0 0
US BANCORP DEL COM NEW 902973304   367,775 8,433 SH   SOLE 0 8,433 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   782,349 4,092 SH   SOLE 0 4,092 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   499,829 6,060 SH   SOLE 0 6,060 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,186,555 43,609 SH   SOLE 0 43,609 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   304,984 6,700 SH   SOLE 0 6,700 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   580,371 3,822 SH   SOLE 0 3,822 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   248,066 3,016 SH   SOLE 0 3,016 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   799,803 2,504 SH   SOLE 0 2,504 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   206,176 1,700 SH   SOLE 0 1,700 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   341,480 8,667 SH   SOLE 0 8,667 0 0
WALMART INC COM 931142103   1,222,939 8,625 SH   SOLE 0 8,625 0 0
WELLS FARGO CO NEW COM 949746101   726,704 17,600 SH   SOLE 0 17,600 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   740,520 5,808 SH   SOLE 0 5,808 0 0