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   243,131 2,597 SH   SOLE 0 2,597 0 0
ABBOTT LABS COM 002824100   2,209,591 22,815 SH   SOLE 0 22,815 0 0
ABBVIE INC COM 00287Y109   1,121,527 7,524 SH   SOLE 0 7,524 0 0
ADOBE INC COM 00724F101   961,162 1,885 SH   SOLE 0 1,885 0 0
ADVANCED MICRO DEVICES INC COM 007903107   341,877 3,325 SH   SOLE 0 3,325 0 0
ALLSTATE CORP COM 020002101   984,530 8,837 SH   SOLE 0 8,837 0 0
ALPHABET INC CAP STK CL A 02079K305   3,012,266 23,019 SH   SOLE 0 23,019 0 0
ALPHABET INC CAP STK CL C 02079K107   305,233 2,315 SH   SOLE 0 2,315 0 0
AMAZON COM INC COM 023135106   1,733,790 13,639 SH   SOLE 0 13,639 0 0
AMERICAN EXPRESS CO COM 025816109   1,228,580 8,235 SH   SOLE 0 8,235 0 0
AMERICAN TOWER CORP NEW COM 03027X100   543,507 3,305 SH   SOLE 0 3,305 0 0
ANALOG DEVICES INC COM 032654105   523,169 2,988 SH   SOLE 0 2,988 0 0
APPLE INC COM 037833100   6,190,404 36,157 SH   SOLE 0 36,157 0 0
AT&T INC COM 00206R102   517,328 34,443 SH   SOLE 0 34,443 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   929,842 3,865 SH   SOLE 0 3,865 0 0
BANK MONTREAL QUE COM 063671101   337,480 4,000 SH   SOLE 0 4,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,015,520 2,899 SH   SOLE 0 2,899 0 0
BIOGEN INC COM 09062X103   323,062 1,257 SH   SOLE 0 1,257 0 0
BLACKROCK INC COM 09247X101   469,352 726 SH   SOLE 0 726 0 0
BLACKSTONE INC COM 09260D107   654,947 6,113 SH   SOLE 0 6,113 0 0
BOEING CO COM 097023105   724,359 3,779 SH   SOLE 0 3,779 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   203,869 3,513 SH   SOLE 0 3,513 0 0
CATERPILLAR INC COM 149123101   2,289,378 8,386 SH   SOLE 0 8,386 0 0
CDW CORP COM 12514G108   329,272 1,632 SH   SOLE 0 1,632 0 0
CENCORA INC COM 03073E105   308,649 1,715 SH   SOLE 0 1,715 0 0
CHEVRON CORP NEW COM 166764100   3,898,157 23,118 SH   SOLE 0 23,118 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   577,026 315 SH   SOLE 0 315 0 0
CISCO SYS INC COM 17275R102   619,046 11,515 SH   SOLE 0 11,515 0 0
CME GROUP INC COM 12572Q105   918,009 4,585 SH   SOLE 0 4,585 0 0
COCA COLA CO COM 191216100   1,632,041 29,154 SH   SOLE 0 29,154 0 0
COMCAST CORP NEW CL A 20030N101   720,037 16,239 SH   SOLE 0 16,239 0 0
COSTCO WHSL CORP NEW COM 22160K105   444,624 787 SH   SOLE 0 787 0 0
CVS HEALTH CORP COM 126650100   916,178 13,122 SH   SOLE 0 13,122 0 0
DANAHER CORPORATION COM 235851102   1,122,653 4,525 SH   SOLE 0 4,525 0 0
DISNEY WALT CO COM 254687106   1,376,229 16,980 SH   SOLE 0 16,980 0 0
DOLLAR TREE INC COM 256746108   796,672 7,484 SH   SOLE 0 7,484 0 0
DOMINION ENERGY INC COM 25746U109   314,700 7,045 SH   SOLE 0 7,045 0 0
ELI LILLY & CO COM 532457108   1,559,288 2,903 SH   SOLE 0 2,903 0 0
EXXON MOBIL CORP COM 30231G102   2,980,300 25,347 SH   SOLE 0 25,347 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795   3,069,107 63,369 SH   SOLE 0 63,369 0 0
FLEXSHARES TR GLB QLT R/E IDX 33939L787   3,133,857 64,056 SH   SOLE 0 64,056 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   5,741,550 141,977 SH   SOLE 0 141,977 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506   1,199,851 51,740 SH   SOLE 0 51,740 0 0
FLEXSHARES TR DISCP DUR MBS 33939L779   7,392,989 374,708 SH   SOLE 0 374,708 0 0
FLEXSHARES TR CR SCD US BD 33939L761   4,990,521 108,466 SH   SOLE 0 108,466 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662   12,657,000 318,335 SH   SOLE 0 318,335 0 0
FLEXSHARES TR FLEXSHARES ULTRA 33939L886   4,047,678 53,890 SH   SOLE 0 53,890 0 0
FORTIVE CORP COM 34959J108   360,418 4,860 SH   SOLE 0 4,860 0 0
FRANKLIN TEMPLETON ETF TR FTSE CHINA 35473P819   270,022 15,800 SH   SOLE 0 15,800 0 0
FREEPORT-MCMORAN INC CL B 35671D857   373,646 10,020 SH   SOLE 0 10,020 0 0
GRAINGER W W INC COM 384802104   232,458 336 SH   SOLE 0 336 0 0
GSK PLC SPONSORED ADR 37733W204   354,815 9,788 SH   SOLE 0 9,788 0 0
HALLIBURTON CO COM 406216101   380,417 9,393 SH   SOLE 0 9,393 0 0
HOME DEPOT INC COM 437076102   900,437 2,980 SH   SOLE 0 2,980 0 0
HONEYWELL INTL INC COM 438516106   532,421 2,882 SH   SOLE 0 2,882 0 0
INTEL CORP COM 458140100   450,596 12,675 SH   SOLE 0 12,675 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,712,901 15,569 SH   SOLE 0 15,569 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   750,605 5,350 SH   SOLE 0 5,350 0 0
ISHARES INC MSCI TAIWAN ETF 46434G772   250,594 5,625 SH   SOLE 0 5,625 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   3,773,966 41,205 SH   SOLE 0 41,205 0 0
ISHARES TR 20 YR TR BD ETF 464287432   2,633,650 29,695 SH   SOLE 0 29,695 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,206,983 32,022 SH   SOLE 0 32,022 0 0
ISHARES TR CORE S&P MCP ETF 464287507   5,886,904 23,609 SH   SOLE 0 23,609 0 0
ISHARES TR CORE S&P SCP ETF 464287804   5,433,031 57,596 SH   SOLE 0 57,596 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   464,622 12,243 SH   SOLE 0 12,243 0 0
ISHARES TR CORE US AGGBD ET 464287226   710,002 7,550 SH   SOLE 0 7,550 0 0
ISHARES TR MSCI INDIA ETF 46429B598   227,733 5,150 SH   SOLE 0 5,150 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   811,118 16,100 SH   SOLE 0 16,100 0 0
ISHARES TR 10+ YR INVST GRD 464289511   2,124,128 45,060 SH   SOLE 0 45,060 0 0
ISHARES TR CALIF MUN BD ETF 464288356   1,423,098 25,950 SH   SOLE 0 25,950 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   2,876,188 57,720 SH   SOLE 0 57,720 0 0
ISHARES TR MBS ETF 464288588   12,218,614 137,597 SH   SOLE 0 137,597 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   16,001,842 141,409 SH   SOLE 0 141,409 0 0
ISHARES TR NATIONAL MUN ETF 464288414   225,588 2,200 SH   SOLE 0 2,200 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   856,678 17,609 SH   SOLE 0 17,609 0 0
ISHARES TR RESIDENTIAL MULT 464288562   237,420 3,600 SH   SOLE 0 3,600 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,905,996 18,530 SH   SOLE 0 18,530 0 0
ISHARES TR MSCI CHINA ETF 46429B671   203,463 4,700 SH   SOLE 0 4,700 0 0
JACOBS SOLUTIONS INC COM 46982L108   498,225 3,650 SH   SOLE 0 3,650 0 0
JOHNSON & JOHNSON COM 478160104   549,798 3,530 SH   SOLE 0 3,530 0 0
JOHNSON CTLS INTL PLC SHS G51502105   262,645 4,936 SH   SOLE 0 4,936 0 0
JPMORGAN CHASE & CO COM 46625H100   2,339,028 16,129 SH   SOLE 0 16,129 0 0
KLA CORP COM NEW 482480100   1,235,171 2,693 SH   SOLE 0 2,693 0 0
LAUDER ESTEE COS INC CL A 518439104   378,721 2,620 SH   SOLE 0 2,620 0 0
LINDE PLC SHS G54950103   223,782 601 SH   SOLE 0 601 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   21,786 10,228 SH   SOLE 0 10,228 0 0
LOWES COS INC COM 548661107   3,231,081 15,546 SH   SOLE 0 15,546 0 0
MARSH & MCLENNAN COS INC COM 571748102   1,062,255 5,582 SH   SOLE 0 5,582 0 0
MASCO CORP COM 574599106   279,650 5,232 SH   SOLE 0 5,232 0 0
MASTERCARD INCORPORATED CL A 57636Q104   794,987 2,008 SH   SOLE 0 2,008 0 0
MCDONALDS CORP COM 580135101   454,697 1,726 SH   SOLE 0 1,726 0 0
MERCK & CO INC COM 58933Y105   613,376 5,958 SH   SOLE 0 5,958 0 0
META PLATFORMS INC CL A 30303M102   1,501,350 5,001 SH   SOLE 0 5,001 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   2,771,946 35,515 SH   SOLE 0 35,515 0 0
MICROSOFT CORP COM 594918104   5,403,114 17,112 SH   SOLE 0 17,112 0 0
MONDELEZ INTL INC CL A 609207105   911,500 13,134 SH   SOLE 0 13,134 0 0
MOODYS CORP COM 615369105   308,266 975 SH   SOLE 0 975 0 0
NEXTERA ENERGY INC COM 65339F101   436,550 7,620 SH   SOLE 0 7,620 0 0
NIKE INC CL B 654106103   249,759 2,612 SH   SOLE 0 2,612 0 0
NORFOLK SOUTHN CORP COM 655844108   413,553 2,100 SH   SOLE 0 2,100 0 0
NUCOR CORP COM 670346105   224,206 1,434 SH   SOLE 0 1,434 0 0
NVIDIA CORPORATION COM 67066G104   2,331,546 5,360 SH   SOLE 0 5,360 0 0
ORACLE CORP COM 68389X105   1,305,146 12,322 SH   SOLE 0 12,322 0 0
PALO ALTO NETWORKS INC COM 697435105   389,405 1,661 SH   SOLE 0 1,661 0 0
PEPSICO INC COM 713448108   910,062 5,371 SH   SOLE 0 5,371 0 0
PFIZER INC COM 717081103   2,117,019 63,823 SH   SOLE 0 63,823 0 0
PRICE T ROWE GROUP INC COM 74144T108   207,747 1,981 SH   SOLE 0 1,981 0 0
PROCTER AND GAMBLE CO COM 742718109   2,309,110 15,831 SH   SOLE 0 15,831 0 0
PROLOGIS INC. COM 74340W103   547,024 4,875 SH   SOLE 0 4,875 0 0
RTX CORPORATION COM 75513E101   289,319 4,020 SH   SOLE 0 4,020 0 0
SALESFORCE INC COM 79466L302   2,103,031 10,371 SH   SOLE 0 10,371 0 0
SCHWAB CHARLES CORP COM 808513105   437,388 7,967 SH   SOLE 0 7,967 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,462,939 49,407 SH   SOLE 0 49,407 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   19,279,160 567,702 SH   SOLE 0 567,702 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,511,581 36,494 SH   SOLE 0 36,494 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   5,560,892 232,285 SH   SOLE 0 232,285 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,290,590 19,069 SH   SOLE 0 19,069 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,314,679 20,050 SH   SOLE 0 20,050 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   731,800 21,479 SH   SOLE 0 21,479 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   744,458 12,633 SH   SOLE 0 12,633 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,114,491 14,188 SH   SOLE 0 14,188 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   2,136,458 23,636 SH   SOLE 0 23,636 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,512,213 45,590 SH   SOLE 0 45,590 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   1,614,754 15,928 SH   SOLE 0 15,928 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,319,883 26,352 SH   SOLE 0 26,352 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,175,939 17,090 SH   SOLE 0 17,090 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,682,906 20,840 SH   SOLE 0 20,840 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,620,105 16,276 SH   SOLE 0 16,276 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   1,174,020 21,070 SH   SOLE 0 21,070 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   9,088,411 293,080 SH   SOLE 0 293,080 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,684,140 109,745 SH   SOLE 0 109,745 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,104,838 42,250 SH   SOLE 0 42,250 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   854,360 41,075 SH   SOLE 0 41,075 0 0
STARBUCKS CORP COM 855244109   271,620 2,976 SH   SOLE 0 2,976 0 0
TAPESTRY INC COM 876030107   396,836 13,803 SH   SOLE 0 13,803 0 0
TESLA INC COM 88160R101   406,608 1,625 SH   SOLE 0 1,625 0 0
TJX COS INC NEW COM 872540109   1,292,315 14,540 SH   SOLE 0 14,540 0 0
TRUIST FINL CORP COM 89832Q109   300,405 10,500 SH   SOLE 0 10,500 0 0
UNION PAC CORP COM 907818108   254,130 1,248 SH   SOLE 0 1,248 0 0
UNITED PARCEL SERVICE INC CL B 911312106   245,495 1,575 SH   SOLE 0 1,575 0 0
US BANCORP DEL COM NEW 902973304   259,521 7,850 SH   SOLE 0 7,850 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   802,910 3,780 SH   SOLE 0 3,780 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   410,456 5,425 SH   SOLE 0 5,425 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   609,323 15,540 SH   SOLE 0 15,540 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,028,584 39,109 SH   SOLE 0 39,109 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   594,950 3,829 SH   SOLE 0 3,829 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   266,236 2,531 SH   SOLE 0 2,531 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   944,312 2,276 SH   SOLE 0 2,276 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   223,846 831 SH   SOLE 0 831 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   228,132 1,800 SH   SOLE 0 1,800 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   203,772 2,537 SH   SOLE 0 2,537 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   220,939 6,817 SH   SOLE 0 6,817 0 0
WALMART INC COM 931142103   1,188,600 7,432 SH   SOLE 0 7,432 0 0
WELLS FARGO CO NEW COM 949746101   682,362 16,700 SH   SOLE 0 16,700 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   638,644 5,691 SH   SOLE 0 5,691 0 0