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   254,929 2,547 SH   SOLE 0 2,547 0 0
ABBOTT LABS COM 002824100   2,533,796 23,242 SH   SOLE 0 23,242 0 0
ABBVIE INC COM 00287Y109   1,029,876 7,644 SH   SOLE 0 7,644 0 0
ACTIVISION BLIZZARD INC COM 00507V109   458,929 5,444 SH   SOLE 0 5,444 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   943,751 1,930 SH   SOLE 0 1,930 0 0
ADVANCED MICRO DEVICES INC COM 007903107   370,208 3,250 SH   SOLE 0 3,250 0 0
AIR PRODS & CHEMS INC COM 009158106   204,279 682 SH   SOLE 0 682 0 0
ALLSTATE CORP COM 020002101   977,216 8,962 SH   SOLE 0 8,962 0 0
ALPHABET INC CAP STK CL A 02079K305   2,800,022 23,392 SH   SOLE 0 23,392 0 0
ALPHABET INC CAP STK CL C 02079K107   286,699 2,370 SH   SOLE 0 2,370 0 0
AMAZON COM INC COM 023135106   1,780,718 13,660 SH   SOLE 0 13,660 0 0
AMERICAN EXPRESS CO COM 025816109   1,450,215 8,325 SH   SOLE 0 8,325 0 0
AMERICAN TOWER CORP NEW COM 03027X100   702,839 3,624 SH   SOLE 0 3,624 0 0
AMERISOURCEBERGEN CORP COM 03073E105   334,251 1,737 SH   SOLE 0 1,737 0 0
ANALOG DEVICES INC COM 032654105   508,649 2,611 SH   SOLE 0 2,611 0 0
APPLE INC COM 037833100   7,016,242 36,172 SH   SOLE 0 36,172 0 0
AT&T INC COM 00206R102   271,431 17,018 SH   SOLE 0 17,018 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   857,181 3,900 SH   SOLE 0 3,900 0 0
BANK MONTREAL QUE COM 063671101   361,240 4,000 SH   SOLE 0 4,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,009,019 2,959 SH   SOLE 0 2,959 0 0
BIOGEN INC COM 09062X103   361,190 1,268 SH   SOLE 0 1,268 0 0
BLACKROCK INC COM 09247X101   496,239 718 SH   SOLE 0 718 0 0
BLACKSTONE INC COM 09260D107   573,904 6,173 SH   SOLE 0 6,173 0 0
BOEING CO COM 097023105   810,643 3,839 SH   SOLE 0 3,839 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   226,227 3,538 SH   SOLE 0 3,538 0 0
CATERPILLAR INC COM 149123101   2,088,472 8,488 SH   SOLE 0 8,488 0 0
CDW CORP COM 12514G108   290,848 1,585 SH   SOLE 0 1,585 0 0
CHEVRON CORP NEW COM 166764100   3,635,414 23,104 SH   SOLE 0 23,104 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   650,256 304 SH   SOLE 0 304 0 0
CISCO SYS INC COM 17275R102   541,459 10,465 SH   SOLE 0 10,465 0 0
CME GROUP INC COM 12572Q105   849,555 4,585 SH   SOLE 0 4,585 0 0
COCA COLA CO COM 191216100   1,792,569 29,767 SH   SOLE 0 29,767 0 0
COMCAST CORP NEW CL A 20030N101   664,758 15,999 SH   SOLE 0 15,999 0 0
COSTCO WHSL CORP NEW COM 22160K105   440,933 819 SH   SOLE 0 819 0 0
CVS HEALTH CORP COM 126650100   906,433 13,112 SH   SOLE 0 13,112 0 0
DANAHER CORPORATION COM 235851102   1,100,400 4,585 SH   SOLE 0 4,585 0 0
DISNEY WALT CO COM 254687106   1,487,940 16,666 SH   SOLE 0 16,666 0 0
DOLLAR TREE INC COM 256746108   1,108,968 7,728 SH   SOLE 0 7,728 0 0
DOMINION ENERGY INC COM 25746U109   416,029 8,033 SH   SOLE 0 8,033 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   215,376 2,400 SH   SOLE 0 2,400 0 0
EXXON MOBIL CORP COM 30231G102   2,758,148 25,717 SH   SOLE 0 25,717 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795   3,104,931 59,294 SH   SOLE 0 59,294 0 0
FLEXSHARES TR GLB QLT R/E IDX 33939L787   3,115,493 58,738 SH   SOLE 0 58,738 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   5,338,246 133,223 SH   SOLE 0 133,223 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506   1,717,455 72,990 SH   SOLE 0 72,990 0 0
FLEXSHARES TR DISCP DUR MBS 33939L779   8,277,635 406,065 SH   SOLE 0 406,065 0 0
FLEXSHARES TR CR SCD US BD 33939L761   5,111,489 109,080 SH   SOLE 0 109,080 0 0
FLEXSHARES TR CR SCORED LONG 33939L753   243,080 5,575 SH   SOLE 0 5,575 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662   11,073,604 273,828 SH   SOLE 0 273,828 0 0
FLEXSHARES TR FLEXSHARES ULTRA 33939L886   4,003,721 53,415 SH   SOLE 0 53,415 0 0
FORTIVE CORP COM 34959J108   376,093 5,030 SH   SOLE 0 5,030 0 0
FORTUNE BRANDS INNOVATIONS I COM 34964C106   219,807 3,055 SH   SOLE 0 3,055 0 0
FREEPORT-MCMORAN INC CL B 35671D857   387,400 9,685 SH   SOLE 0 9,685 0 0
GRAINGER W W INC COM 384802104   264,966 336 SH   SOLE 0 336 0 0
GSK PLC SPONSORED ADR 37733W204   342,607 9,613 SH   SOLE 0 9,613 0 0
HALLIBURTON CO COM 406216101   322,246 9,768 SH   SOLE 0 9,768 0 0
HOME DEPOT INC COM 437076102   964,537 3,105 SH   SOLE 0 3,105 0 0
HONEYWELL INTL INC COM 438516106   576,643 2,779 SH   SOLE 0 2,779 0 0
INTEL CORP COM 458140100   427,196 12,775 SH   SOLE 0 12,775 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,824,885 16,138 SH   SOLE 0 16,138 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   685,107 5,120 SH   SOLE 0 5,120 0 0
ISHARES INC MSCI TAIWAN ETF 46434G772   201,011 4,275 SH   SOLE 0 4,275 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   4,038,846 41,810 SH   SOLE 0 41,810 0 0
ISHARES TR 20 YR TR BD ETF 464287432   3,381,064 32,845 SH   SOLE 0 32,845 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,319,086 31,987 SH   SOLE 0 31,987 0 0
ISHARES TR CORE S&P MCP ETF 464287507   6,116,802 23,393 SH   SOLE 0 23,393 0 0
ISHARES TR CORE S&P SCP ETF 464287804   5,681,644 57,016 SH   SOLE 0 57,016 0 0
ISHARES TR MBS ETF 464288588   11,388,123 122,105 SH   SOLE 0 122,105 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   13,267,463 115,109 SH   SOLE 0 115,109 0 0
ISHARES TR NATIONAL MUN ETF 464288414   234,806 2,200 SH   SOLE 0 2,200 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   862,219 17,050 SH   SOLE 0 17,050 0 0
ISHARES TR RESIDENTIAL MULT 464288562   263,772 3,600 SH   SOLE 0 3,600 0 0
ISHARES TR IBOXX HI YD ETF 464288513   1,241,658 16,540 SH   SOLE 0 16,540 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   2,770,387 55,220 SH   SOLE 0 55,220 0 0
ISHARES TR CALIF MUN BD ETF 464288356   1,359,681 23,875 SH   SOLE 0 23,875 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,823,093 17,523 SH   SOLE 0 17,523 0 0
ISHARES TR 10+ YR INVST GRD 464289511   1,968,952 38,195 SH   SOLE 0 38,195 0 0
ISHARES TR MSCI CHINA ETF 46429B671   375,816 8,400 SH   SOLE 0 8,400 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   503,717 12,733 SH   SOLE 0 12,733 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   920,490 18,300 SH   SOLE 0 18,300 0 0
JACOBS SOLUTIONS INC COM 46982L108   455,943 3,835 SH   SOLE 0 3,835 0 0
JOHNSON & JOHNSON COM 478160104   614,079 3,710 SH   SOLE 0 3,710 0 0
JOHNSON CTLS INTL PLC SHS G51502105   304,313 4,466 SH   SOLE 0 4,466 0 0
JPMORGAN CHASE & CO COM 46625H100   2,422,885 16,659 SH   SOLE 0 16,659 0 0
KLA CORP COM NEW 482480100   1,374,062 2,833 SH   SOLE 0 2,833 0 0
LAUDER ESTEE COS INC CL A 518439104   545,936 2,780 SH   SOLE 0 2,780 0 0
LILLY ELI & CO COM 532457108   1,517,619 3,236 SH   SOLE 0 3,236 0 0
LINDE PLC SHS G54950103   230,934 606 SH   SOLE 0 606 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   22,502 10,228 SH   SOLE 0 10,228 0 0
LOWES COS INC COM 548661107   3,582,085 15,871 SH   SOLE 0 15,871 0 0
MARSH & MCLENNAN COS INC COM 571748102   1,069,987 5,689 SH   SOLE 0 5,689 0 0
MASCO CORP COM 574599106   266,645 4,647 SH   SOLE 0 4,647 0 0
MASTERCARD INCORPORATED CL A 57636Q104   814,131 2,070 SH   SOLE 0 2,070 0 0
MCDONALDS CORP COM 580135101   532,960 1,786 SH   SOLE 0 1,786 0 0
MERCK & CO INC COM 58933Y105   701,917 6,083 SH   SOLE 0 6,083 0 0
META PLATFORMS INC CL A 30303M102   1,499,757 5,226 SH   SOLE 0 5,226 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   3,205,978 35,785 SH   SOLE 0 35,785 0 0
MICROSOFT CORP COM 594918104   5,882,147 17,273 SH   SOLE 0 17,273 0 0
MONDELEZ INTL INC CL A 609207105   965,288 13,234 SH   SOLE 0 13,234 0 0
MOODYS CORP COM 615369105   352,936 1,015 SH   SOLE 0 1,015 0 0
NEXTERA ENERGY INC COM 65339F101   581,728 7,840 SH   SOLE 0 7,840 0 0
NIKE INC CL B 654106103   233,212 2,113 SH   SOLE 0 2,113 0 0
NORFOLK SOUTHN CORP COM 655844108   461,230 2,034 SH   SOLE 0 2,034 0 0
NUCOR CORP COM 670346105   235,147 1,434 SH   SOLE 0 1,434 0 0
NVIDIA CORPORATION COM 67066G104   2,612,149 6,175 SH   SOLE 0 6,175 0 0
ORACLE CORP COM 68389X105   1,442,418 12,112 SH   SOLE 0 12,112 0 0
PALO ALTO NETWORKS INC COM 697435105   416,737 1,631 SH   SOLE 0 1,631 0 0
PEPSICO INC COM 713448108   1,151,883 6,219 SH   SOLE 0 6,219 0 0
PFIZER INC COM 717081103   2,347,642 64,003 SH   SOLE 0 64,003 0 0
PRICE T ROWE GROUP INC COM 74144T108   221,912 1,981 SH   SOLE 0 1,981 0 0
PROCTER AND GAMBLE CO COM 742718109   2,491,267 16,418 SH   SOLE 0 16,418 0 0
PROLOGIS INC. COM 74340W103   597,821 4,875 SH   SOLE 0 4,875 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   391,350 3,995 SH   SOLE 0 3,995 0 0
SALESFORCE INC COM 79466L302   2,224,779 10,531 SH   SOLE 0 10,531 0 0
SCHWAB CHARLES CORP COM 808513105   471,974 8,327 SH   SOLE 0 8,327 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,264,405 17,801 SH   SOLE 0 17,801 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   5,373,836 218,183 SH   SOLE 0 218,183 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,745,373 53,102 SH   SOLE 0 53,102 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   19,818,334 555,914 SH   SOLE 0 555,914 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,499,011 34,224 SH   SOLE 0 34,224 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   866,551 13,242 SH   SOLE 0 13,242 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,185,563 14,306 SH   SOLE 0 14,306 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,926,813 23,738 SH   SOLE 0 23,738 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,494,592 44,337 SH   SOLE 0 44,337 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   1,746,605 16,275 SH   SOLE 0 16,275 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,658,753 26,796 SH   SOLE 0 26,796 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,248,181 16,829 SH   SOLE 0 16,829 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,812,512 21,190 SH   SOLE 0 21,190 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,780,633 16,375 SH   SOLE 0 16,375 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,266,066 19,454 SH   SOLE 0 19,454 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   835,411 22,165 SH   SOLE 0 22,165 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   9,416,751 289,390 SH   SOLE 0 289,390 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,698,257 107,570 SH   SOLE 0 107,570 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   1,023,212 18,980 SH   SOLE 0 18,980 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   492,208 22,465 SH   SOLE 0 22,465 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   525,487 18,575 SH   SOLE 0 18,575 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,639,268 54,825 SH   SOLE 0 54,825 0 0
STARBUCKS CORP COM 855244109   309,662 3,126 SH   SOLE 0 3,126 0 0
TAPESTRY INC COM 876030107   606,604 14,173 SH   SOLE 0 14,173 0 0
TESLA INC COM 88160R101   399,199 1,525 SH   SOLE 0 1,525 0 0
TJX COS INC NEW COM 872540109   1,259,979 14,860 SH   SOLE 0 14,860 0 0
TRUIST FINL CORP COM 89832Q109   233,088 7,680 SH   SOLE 0 7,680 0 0
UNION PAC CORP COM 907818108   262,527 1,283 SH   SOLE 0 1,283 0 0
UNITED PARCEL SERVICE INC CL B 911312106   280,526 1,565 SH   SOLE 0 1,565 0 0
US BANCORP DEL COM NEW 902973304   274,232 8,300 SH   SOLE 0 8,300 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   877,816 3,985 SH   SOLE 0 3,985 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   455,402 5,450 SH   SOLE 0 5,450 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   897,197 22,055 SH   SOLE 0 22,055 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,214,977 40,709 SH   SOLE 0 40,709 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   324,597 7,058 SH   SOLE 0 7,058 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   621,944 3,829 SH   SOLE 0 3,829 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   201,881 2,485 SH   SOLE 0 2,485 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   296,180 2,786 SH   SOLE 0 2,786 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,070,469 2,421 SH   SOLE 0 2,421 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   240,437 849 SH   SOLE 0 849 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   203,315 1,801 SH   SOLE 0 1,801 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   333,483 8,967 SH   SOLE 0 8,967 0 0
WALMART INC COM 931142103   1,174,449 7,472 SH   SOLE 0 7,472 0 0
WELLS FARGO CO NEW COM 949746101   712,756 16,700 SH   SOLE 0 16,700 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   843,170 5,791 SH   SOLE 0 5,791 0 0