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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   262,460 2,497 SH   SOLE 0 2,497 0 0
ABBOTT LABS COM 002824100   2,371,162 23,417 SH   SOLE 0 23,417 0 0
ABBVIE INC COM 00287Y109   1,237,349 7,764 SH   SOLE 0 7,764 0 0
ACTIVISION BLIZZARD INC COM 00507V109   478,790 5,594 SH   SOLE 0 5,594 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   743,764 1,930 SH   SOLE 0 1,930 0 0
ADVANCED MICRO DEVICES INC COM 007903107   314,122 3,205 SH   SOLE 0 3,205 0 0
AIR PRODS & CHEMS INC COM 009158106   208,802 727 SH   SOLE 0 727 0 0
ALLSTATE CORP COM 020002101   998,620 9,012 SH   SOLE 0 9,012 0 0
ALPHABET INC CAP STK CL A 02079K305   2,439,418 23,517 SH   SOLE 0 23,517 0 0
ALPHABET INC CAP STK CL C 02079K107   251,680 2,420 SH   SOLE 0 2,420 0 0
AMAZON COM INC COM 023135106   1,430,050 13,845 SH   SOLE 0 13,845 0 0
AMERICAN EXPRESS CO COM 025816109   1,382,281 8,380 SH   SOLE 0 8,380 0 0
AMERICAN TOWER CORP NEW COM 03027X100   751,767 3,679 SH   SOLE 0 3,679 0 0
AMERISOURCEBERGEN CORP COM 03073E105   280,513 1,752 SH   SOLE 0 1,752 0 0
ANALOG DEVICES INC COM 032654105   514,941 2,611 SH   SOLE 0 2,611 0 0
APPLE INC COM 037833100   6,014,198 36,472 SH   SOLE 0 36,472 0 0
AT&T INC COM 00206R102   335,443 17,426 SH   SOLE 0 17,426 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   1,062,168 4,771 SH   SOLE 0 4,771 0 0
BANK MONTREAL QUE COM 063671101   356,440 4,000 SH   SOLE 0 4,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   899,756 2,914 SH   SOLE 0 2,914 0 0
BIOGEN INC COM 09062X103   358,103 1,288 SH   SOLE 0 1,288 0 0
BLACKROCK INC COM 09247X101   473,068 707 SH   SOLE 0 707 0 0
BLACKSTONE INC COM 09260D107   490,235 5,581 SH   SOLE 0 5,581 0 0
BOEING CO COM 097023105   825,078 3,884 SH   SOLE 0 3,884 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   241,723 3,488 SH   SOLE 0 3,488 0 0
CATERPILLAR INC COM 149123101   1,955,895 8,547 SH   SOLE 0 8,547 0 0
CDW CORP COM 12514G108   308,901 1,585 SH   SOLE 0 1,585 0 0
CHEVRON CORP NEW COM 166764100   3,906,703 23,944 SH   SOLE 0 23,944 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   524,445 307 SH   SOLE 0 307 0 0
CISCO SYS INC COM 17275R102   547,058 10,465 SH   SOLE 0 10,465 0 0
CME GROUP INC COM 12572Q105   878,119 4,585 SH   SOLE 0 4,585 0 0
COCA COLA CO COM 191216100   1,919,642 30,947 SH   SOLE 0 30,947 0 0
COMCAST CORP NEW CL A 20030N101   606,522 15,999 SH   SOLE 0 15,999 0 0
COSTCO WHSL CORP NEW COM 22160K105   405,446 816 SH   SOLE 0 816 0 0
CVS HEALTH CORP COM 126650100   976,210 13,137 SH   SOLE 0 13,137 0 0
DANAHER CORPORATION COM 235851102   1,229,955 4,880 SH   SOLE 0 4,880 0 0
DEERE & CO COM 244199105   343,103 831 SH   SOLE 0 831 0 0
DISNEY WALT CO COM 254687106   1,692,798 16,906 SH   SOLE 0 16,906 0 0
DOLLAR TREE INC COM 256746108   1,184,000 8,248 SH   SOLE 0 8,248 0 0
DOMINION ENERGY INC COM 25746U109   517,850 9,262 SH   SOLE 0 9,262 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   231,528 2,400 SH   SOLE 0 2,400 0 0
EXXON MOBIL CORP COM 30231G102   3,019,707 27,537 SH   SOLE 0 27,537 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795   2,972,371 57,216 SH   SOLE 0 57,216 0 0
FLEXSHARES TR GLB QLT R/E IDX 33939L787   2,949,615 55,653 SH   SOLE 0 55,653 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   5,303,800 125,415 SH   SOLE 0 125,415 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506   2,332,768 96,515 SH   SOLE 0 96,515 0 0
FLEXSHARES TR DISCP DUR MBS 33939L779   9,549,823 462,441 SH   SOLE 0 462,441 0 0
FLEXSHARES TR CR SCD US BD 33939L761   5,513,405 116,243 SH   SOLE 0 116,243 0 0
FLEXSHARES TR CR SCORED LONG 33939L753   292,745 6,600 SH   SOLE 0 6,600 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662   11,685,885 286,911 SH   SOLE 0 286,911 0 0
FLEXSHARES TR READY ACC VARI 33939L886   4,281,552 57,240 SH   SOLE 0 57,240 0 0
FORTIVE CORP COM 34959J108   358,233 5,255 SH   SOLE 0 5,255 0 0
FREEPORT-MCMORAN INC CL B 35671D857   397,236 9,710 SH   SOLE 0 9,710 0 0
GENERAL MLS INC COM 370334104   202,113 2,365 SH   SOLE 0 2,365 0 0
GRAINGER W W INC COM 384802104   238,328 346 SH   SOLE 0 346 0 0
GSK PLC SPONSORED ADR 37733W204   335,270 9,423 SH   SOLE 0 9,423 0 0
HALLIBURTON CO COM 406216101   312,224 9,868 SH   SOLE 0 9,868 0 0
HOME DEPOT INC COM 437076102   932,579 3,160 SH   SOLE 0 3,160 0 0
HONEYWELL INTL INC COM 438516106   532,078 2,784 SH   SOLE 0 2,784 0 0
INTEL CORP COM 458140100   421,606 12,905 SH   SOLE 0 12,905 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,686,161 16,168 SH   SOLE 0 16,168 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   671,181 5,120 SH   SOLE 0 5,120 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   3,920,692 39,555 SH   SOLE 0 39,555 0 0
ISHARES TR 20 YR TR BD ETF 464287432   3,799,536 35,720 SH   SOLE 0 35,720 0 0
ISHARES TR CORE S&P MCP ETF 464287507   5,827,727 23,296 SH   SOLE 0 23,296 0 0
ISHARES TR CORE S&P SCP ETF 464287804   5,723,963 59,193 SH   SOLE 0 59,193 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,306,691 32,252 SH   SOLE 0 32,252 0 0
ISHARES TR MBS ETF 464288588   10,487,558 110,710 SH   SOLE 0 110,710 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   10,863,330 92,336 SH   SOLE 0 92,336 0 0
ISHARES TR NATIONAL MUN ETF 464288414   247,802 2,300 SH   SOLE 0 2,300 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   822,788 16,045 SH   SOLE 0 16,045 0 0
ISHARES TR RESIDENTIAL MULT 464288562   254,232 3,600 SH   SOLE 0 3,600 0 0
ISHARES TR IBOXX HI YD ETF 464288513   395,882 5,240 SH   SOLE 0 5,240 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   2,713,745 53,695 SH   SOLE 0 53,695 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,645,884 15,723 SH   SOLE 0 15,723 0 0
ISHARES TR CALIF MUN BD ETF 464288356   1,471,388 25,625 SH   SOLE 0 25,625 0 0
ISHARES TR 10+ YR INVST GRD 464289511   1,790,166 34,170 SH   SOLE 0 34,170 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   470,876 11,933 SH   SOLE 0 11,933 0 0
ISHARES TR MSCI CHINA ETF 46429B671   309,318 6,200 SH   SOLE 0 6,200 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   979,875 19,500 SH   SOLE 0 19,500 0 0
JACOBS SOLUTIONS INC COM 46982L108   464,165 3,950 SH   SOLE 0 3,950 0 0
JOHNSON & JOHNSON COM 478160104   575,825 3,715 SH   SOLE 0 3,715 0 0
JOHNSON CTLS INTL PLC SHS G51502105   245,999 4,085 SH   SOLE 0 4,085 0 0
JPMORGAN CHASE & CO COM 46625H100   2,171,095 16,661 SH   SOLE 0 16,661 0 0
KLA CORP COM NEW 482480100   1,150,807 2,883 SH   SOLE 0 2,883 0 0
LAUDER ESTEE COS INC CL A 518439104   696,742 2,827 SH   SOLE 0 2,827 0 0
LILLY ELI & CO COM 532457108   1,226,353 3,571 SH   SOLE 0 3,571 0 0
LINDE PLC SHS G5494J103   217,174 611 SH   SOLE 0 611 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   23,729 10,228 SH   SOLE 0 10,228 0 0
LOWES COS INC COM 548661107   3,305,704 16,531 SH   SOLE 0 16,531 0 0
MARSH & MCLENNAN COS INC COM 571748102   947,503 5,689 SH   SOLE 0 5,689 0 0
MASTERCARD INCORPORATED CL A 57636Q104   752,259 2,070 SH   SOLE 0 2,070 0 0
MCDONALDS CORP COM 580135101   521,752 1,866 SH   SOLE 0 1,866 0 0
MERCK & CO INC COM 58933Y105   663,129 6,233 SH   SOLE 0 6,233 0 0
META PLATFORMS INC CL A 30303M102   1,107,598 5,226 SH   SOLE 0 5,226 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   3,009,797 35,925 SH   SOLE 0 35,925 0 0
MICROSOFT CORP COM 594918104   5,054,764 17,533 SH   SOLE 0 17,533 0 0
MONDELEZ INTL INC CL A 609207105   956,977 13,726 SH   SOLE 0 13,726 0 0
MOODYS CORP COM 615369105   306,020 1,000 SH   SOLE 0 1,000 0 0
NEXTERA ENERGY INC COM 65339F101   608,161 7,890 SH   SOLE 0 7,890 0 0
NIKE INC CL B 654106103   246,874 2,013 SH   SOLE 0 2,013 0 0
NORFOLK SOUTHN CORP COM 655844108   431,632 2,036 SH   SOLE 0 2,036 0 0
NUCOR CORP COM 670346105   221,510 1,434 SH   SOLE 0 1,434 0 0
NVIDIA CORPORATION COM 67066G104   1,724,952 6,210 SH   SOLE 0 6,210 0 0
ORACLE CORP COM 68389X105   1,120,801 12,062 SH   SOLE 0 12,062 0 0
PALO ALTO NETWORKS INC COM 697435105   321,781 1,611 SH   SOLE 0 1,611 0 0
PEPSICO INC COM 713448108   1,200,263 6,584 SH   SOLE 0 6,584 0 0
PFIZER INC COM 717081103   2,601,747 63,768 SH   SOLE 0 63,768 0 0
PRICE T ROWE GROUP INC COM 74144T108   223,655 1,981 SH   SOLE 0 1,981 0 0
PROCTER AND GAMBLE CO COM 742718109   2,576,798 17,330 SH   SOLE 0 17,330 0 0
PROLOGIS INC. COM 74340W103   664,400 5,325 SH   SOLE 0 5,325 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   407,878 4,165 SH   SOLE 0 4,165 0 0
SALESFORCE INC COM 79466L302   2,102,884 10,526 SH   SOLE 0 10,526 0 0
SCHWAB CHARLES CORP COM 808513105   418,097 7,982 SH   SOLE 0 7,982 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   5,503,626 224,455 SH   SOLE 0 224,455 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,790,181 58,311 SH   SOLE 0 58,311 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   19,356,247 556,214 SH   SOLE 0 556,214 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,066,028 25,424 SH   SOLE 0 25,424 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,130,585 16,663 SH   SOLE 0 16,663 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,103,865 19,042 SH   SOLE 0 19,042 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   839,081 22,447 SH   SOLE 0 22,447 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   883,416 13,051 SH   SOLE 0 13,051 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,178,144 14,606 SH   SOLE 0 14,606 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,953,877 23,589 SH   SOLE 0 23,589 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,328,013 41,307 SH   SOLE 0 41,307 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   1,633,626 16,146 SH   SOLE 0 16,146 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,107,321 27,199 SH   SOLE 0 27,199 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,208,483 16,176 SH   SOLE 0 16,176 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,728,074 21,073 SH   SOLE 0 21,073 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,450,208 16,385 SH   SOLE 0 16,385 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,387,403 99,250 SH   SOLE 0 99,250 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   1,083,568 18,980 SH   SOLE 0 18,980 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   9,271,599 288,655 SH   SOLE 0 288,655 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   484,745 16,750 SH   SOLE 0 16,750 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,475,292 47,775 SH   SOLE 0 47,775 0 0
STARBUCKS CORP COM 855244109   341,130 3,276 SH   SOLE 0 3,276 0 0
STMICROELECTRONICS N V NY REGISTRY 861012102   210,965 3,944 SH   SOLE 0 3,944 0 0
TAPESTRY INC COM 876030107   617,680 14,328 SH   SOLE 0 14,328 0 0
TARGET CORP COM 87612E106   237,063 1,431 SH   SOLE 0 1,431 0 0
TESLA INC COM 88160R101   295,631 1,425 SH   SOLE 0 1,425 0 0
TJX COS INC NEW COM 872540109   1,179,710 15,055 SH   SOLE 0 15,055 0 0
TRUIST FINL CORP COM 89832Q109   358,221 10,505 SH   SOLE 0 10,505 0 0
UNION PAC CORP COM 907818108   270,292 1,343 SH   SOLE 0 1,343 0 0
UNITED PARCEL SERVICE INC CL B 911312106   300,878 1,551 SH   SOLE 0 1,551 0 0
US BANCORP DEL COM NEW 902973304   298,612 8,283 SH   SOLE 0 8,283 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   503,222 6,060 SH   SOLE 0 6,060 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   816,808 4,002 SH   SOLE 0 4,002 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,104,738 27,345 SH   SOLE 0 27,345 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,211,466 41,359 SH   SOLE 0 41,359 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   311,885 6,700 SH   SOLE 0 6,700 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   588,626 3,822 SH   SOLE 0 3,822 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   268,839 2,781 SH   SOLE 0 2,781 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   942,860 2,446 SH   SOLE 0 2,446 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   214,415 849 SH   SOLE 0 849 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   208,470 1,825 SH   SOLE 0 1,825 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   361,716 9,301 SH   SOLE 0 9,301 0 0
WALMART INC COM 931142103   1,195,377 8,107 SH   SOLE 0 8,107 0 0
WELLS FARGO CO NEW COM 949746101   699,006 18,700 SH   SOLE 0 18,700 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   763,701 5,911 SH   SOLE 0 5,911 0 0