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   274,612 2,512 SH   SOLE 0 2,512 0 0
ABBOTT LABS COM 002824100   2,493,038 22,650 SH   SOLE 0 22,650 0 0
ABBVIE INC COM 00287Y109   1,158,246 7,474 SH   SOLE 0 7,474 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   206,335 588 SH   SOLE 0 588 0 0
ADOBE INC COM 00724F101   1,142,489 1,915 SH   SOLE 0 1,915 0 0
ADVANCED MICRO DEVICES INC COM 007903107   386,951 2,625 SH   SOLE 0 2,625 0 0
ALLSTATE CORP COM 020002101   1,188,710 8,492 SH   SOLE 0 8,492 0 0
ALPHABET INC CAP STK CL A 02079K305   3,172,220 22,709 SH   SOLE 0 22,709 0 0
ALPHABET INC CAP STK CL C 02079K107   326,253 2,315 SH   SOLE 0 2,315 0 0
AMAZON COM INC COM 023135106   2,083,705 13,714 SH   SOLE 0 13,714 0 0
AMERICAN EXPRESS CO COM 025816109   1,508,087 8,050 SH   SOLE 0 8,050 0 0
AMERICAN TOWER CORP NEW COM 03027X100   677,647 3,139 SH   SOLE 0 3,139 0 0
ANALOG DEVICES INC COM 032654105   646,114 3,254 SH   SOLE 0 3,254 0 0
APPLE INC COM 037833100   7,157,840 37,178 SH   SOLE 0 37,178 0 0
AT&T INC COM 00206R102   618,387 36,853 SH   SOLE 0 36,853 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   894,605 3,840 SH   SOLE 0 3,840 0 0
BANCO SANTANDER S.A. ADR 05964H105   45,540 11,000 SH   SOLE 0 11,000 0 0
BANK MONTREAL QUE COM 063671101   395,760 4,000 SH   SOLE 0 4,000 0 0
BECTON DICKINSON & CO COM 075887109   210,181 862 SH   SOLE 0 862 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   885,943 2,484 SH   SOLE 0 2,484 0 0
BIOGEN INC COM 09062X103   322,686 1,247 SH   SOLE 0 1,247 0 0
BLACKROCK INC COM 09247X101   661,617 815 SH   SOLE 0 815 0 0
BLACKSTONE INC COM 09260D107   803,587 6,138 SH   SOLE 0 6,138 0 0
BOEING CO COM 097023105   993,115 3,810 SH   SOLE 0 3,810 0 0
CATERPILLAR INC COM 149123101   2,491,907 8,428 SH   SOLE 0 8,428 0 0
CDW CORP COM 12514G108   391,445 1,722 SH   SOLE 0 1,722 0 0
CENCORA INC COM 03073E105   364,344 1,774 SH   SOLE 0 1,774 0 0
CHEVRON CORP NEW COM 166764100   3,422,924 22,948 SH   SOLE 0 22,948 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   580,888 254 SH   SOLE 0 254 0 0
CISCO SYS INC COM 17275R102   651,961 12,905 SH   SOLE 0 12,905 0 0
CME GROUP INC COM 12572Q105   965,601 4,585 SH   SOLE 0 4,585 0 0
COCA COLA CO COM 191216100   1,696,359 28,786 SH   SOLE 0 28,786 0 0
COMCAST CORP NEW CL A 20030N101   734,444 16,749 SH   SOLE 0 16,749 0 0
COSTCO WHSL CORP NEW COM 22160K105   528,724 801 SH   SOLE 0 801 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   210,894 826 SH   SOLE 0 826 0 0
CVS HEALTH CORP COM 126650100   960,706 12,167 SH   SOLE 0 12,167 0 0
DANAHER CORPORATION COM 235851102   1,041,030 4,500 SH   SOLE 0 4,500 0 0
DISNEY WALT CO COM 254687106   1,533,756 16,987 SH   SOLE 0 16,987 0 0
DOLLAR TREE INC COM 256746108   1,058,841 7,454 SH   SOLE 0 7,454 0 0
DOMINION ENERGY INC COM 25746U109   298,873 6,359 SH   SOLE 0 6,359 0 0
ELI LILLY & CO COM 532457108   1,552,899 2,664 SH   SOLE 0 2,664 0 0
EXXON MOBIL CORP COM 30231G102   2,543,991 25,445 SH   SOLE 0 25,445 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   6,432,508 157,082 SH   SOLE 0 157,082 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506   6,790,301 287,481 SH   SOLE 0 287,481 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795   3,535,922 66,092 SH   SOLE 0 66,092 0 0
FLEXSHARES TR GLB QLT R/E IDX 33939L787   3,726,664 66,811 SH   SOLE 0 66,811 0 0
FLEXSHARES TR FLEXSHARES ULTRA 33939L886   4,127,858 55,015 SH   SOLE 0 55,015 0 0
FLEXSHARES TR DISCP DUR MBS 33939L779   9,147,514 444,918 SH   SOLE 0 444,918 0 0
FLEXSHARES TR CR SCD US BD 33939L761   4,444,496 92,662 SH   SOLE 0 92,662 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662   12,264,270 300,080 SH   SOLE 0 300,080 0 0
FORTIVE CORP COM 34959J108   351,215 4,770 SH   SOLE 0 4,770 0 0
FORTUNE BRANDS INNOVATIONS I COM 34964C106   232,608 3,055 SH   SOLE 0 3,055 0 0
FRANKLIN TEMPLETON ETF TR FTSE CHINA 35473P819   321,000 20,000 SH   SOLE 0 20,000 0 0
FREEPORT-MCMORAN INC CL B 35671D857   464,439 10,910 SH   SOLE 0 10,910 0 0
GRAINGER W W INC COM 384802104   278,440 336 SH   SOLE 0 336 0 0
GSK PLC SPONSORED ADR 37733W204   394,800 10,653 SH   SOLE 0 10,653 0 0
HALLIBURTON CO COM 406216101   343,172 9,493 SH   SOLE 0 9,493 0 0
HOME DEPOT INC COM 437076102   1,010,193 2,915 SH   SOLE 0 2,915 0 0
HONEYWELL INTL INC COM 438516106   631,017 3,009 SH   SOLE 0 3,009 0 0
INTEL CORP COM 458140100   601,744 11,975 SH   SOLE 0 11,975 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,963,438 15,288 SH   SOLE 0 15,288 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   905,249 5,535 SH   SOLE 0 5,535 0 0
ISHARES INC MSCI TAIWAN ETF 46434G772   377,446 8,200 SH   SOLE 0 8,200 0 0
ISHARES INC MSCI STH KOR ETF 464286772   311,268 4,750 SH   SOLE 0 4,750 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   202,041 3,150 SH   SOLE 0 3,150 0 0
ISHARES TR CORE S&P MCP ETF 464287507   6,567,069 23,695 SH   SOLE 0 23,695 0 0
ISHARES TR CORE S&P SCP ETF 464287804   6,258,041 57,811 SH   SOLE 0 57,811 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,436,622 32,337 SH   SOLE 0 32,337 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   3,071,167 37,435 SH   SOLE 0 37,435 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   4,450,808 46,175 SH   SOLE 0 46,175 0 0
ISHARES TR 20 YR TR BD ETF 464287432   1,451,064 14,675 SH   SOLE 0 14,675 0 0
ISHARES TR CORE US AGGBD ET 464287226   749,338 7,550 SH   SOLE 0 7,550 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   449,467 11,178 SH   SOLE 0 11,178 0 0
ISHARES TR MSCI INDIA ETF 46429B598   385,599 7,900 SH   SOLE 0 7,900 0 0
ISHARES TR 10+ YR INVST GRD 464289511   540,599 10,260 SH   SOLE 0 10,260 0 0
ISHARES TR IBOXX HI YD ETF 464288513   1,834,143 23,700 SH   SOLE 0 23,700 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   3,219,045 62,780 SH   SOLE 0 62,780 0 0
ISHARES TR CALIF MUN BD ETF 464288356   1,412,288 24,375 SH   SOLE 0 24,375 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,840,808 17,460 SH   SOLE 0 17,460 0 0
ISHARES TR MBS ETF 464288588   12,969,869 137,860 SH   SOLE 0 137,860 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   12,248,401 104,571 SH   SOLE 0 104,571 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   1,002,300 19,275 SH   SOLE 0 19,275 0 0
ISHARES TR GLB INFRASTR ETF 464288372   200,904 4,270 SH   SOLE 0 4,270 0 0
ISHARES TR RESIDENTIAL MULT 464288562   264,672 3,600 SH   SOLE 0 3,600 0 0
ISHARES TR MSCI CHINA ETF 46429B671   368,697 9,050 SH   SOLE 0 9,050 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   886,336 17,600 SH   SOLE 0 17,600 0 0
JACOBS SOLUTIONS INC COM 46982L108   475,717 3,665 SH   SOLE 0 3,665 0 0
JOHNSON & JOHNSON COM 478160104   492,947 3,145 SH   SOLE 0 3,145 0 0
JOHNSON CTLS INTL PLC SHS G51502105   330,623 5,736 SH   SOLE 0 5,736 0 0
JPMORGAN CHASE & CO COM 46625H100   2,699,657 15,871 SH   SOLE 0 15,871 0 0
KLA CORP COM NEW 482480100   1,262,002 2,171 SH   SOLE 0 2,171 0 0
LAUDER ESTEE COS INC CL A 518439104   222,008 1,518 SH   SOLE 0 1,518 0 0
LOWES COS INC COM 548661107   3,355,609 15,078 SH   SOLE 0 15,078 0 0
MARSH & MCLENNAN COS INC COM 571748102   1,050,422 5,544 SH   SOLE 0 5,544 0 0
MASCO CORP COM 574599106   386,943 5,777 SH   SOLE 0 5,777 0 0
MASTERCARD INCORPORATED CL A 57636Q104   835,960 1,960 SH   SOLE 0 1,960 0 0
MCDONALDS CORP COM 580135101   519,189 1,751 SH   SOLE 0 1,751 0 0
MERCK & CO INC COM 58933Y105   627,737 5,758 SH   SOLE 0 5,758 0 0
META PLATFORMS INC CL A 30303M102   1,693,699 4,785 SH   SOLE 0 4,785 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   3,206,350 35,555 SH   SOLE 0 35,555 0 0
MICROSOFT CORP COM 594918104   6,423,515 17,082 SH   SOLE 0 17,082 0 0
MONDELEZ INTL INC CL A 609207105   930,291 12,844 SH   SOLE 0 12,844 0 0
MOODYS CORP COM 615369105   365,174 935 SH   SOLE 0 935 0 0
NEXTERA ENERGY INC COM 65339F101   481,668 7,930 SH   SOLE 0 7,930 0 0
NIKE INC CL B 654106103   303,670 2,797 SH   SOLE 0 2,797 0 0
NORFOLK SOUTHN CORP COM 655844108   507,035 2,145 SH   SOLE 0 2,145 0 0
NUCOR CORP COM 670346105   249,573 1,434 SH   SOLE 0 1,434 0 0
NVIDIA CORPORATION COM 67066G104   2,539,488 5,128 SH   SOLE 0 5,128 0 0
ORACLE CORP COM 68389X105   1,353,405 12,837 SH   SOLE 0 12,837 0 0
PALO ALTO NETWORKS INC COM 697435105   500,116 1,696 SH   SOLE 0 1,696 0 0
PEPSICO INC COM 713448108   907,965 5,346 SH   SOLE 0 5,346 0 0
PFIZER INC COM 717081103   1,998,467 69,415 SH   SOLE 0 69,415 0 0
PINTEREST INC CL A 72352L106   208,572 5,631 SH   SOLE 0 5,631 0 0
PROCTER AND GAMBLE CO COM 742718109   2,256,863 15,401 SH   SOLE 0 15,401 0 0
PROLOGIS INC. COM 74340W103   649,838 4,875 SH   SOLE 0 4,875 0 0
RTX CORPORATION COM 75513E101   334,036 3,970 SH   SOLE 0 3,970 0 0
SALESFORCE INC COM 79466L302   2,723,236 10,349 SH   SOLE 0 10,349 0 0
SCHWAB CHARLES CORP COM 808513105   571,522 8,307 SH   SOLE 0 8,307 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   6,084,819 245,455 SH   SOLE 0 245,455 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,651,840 47,635 SH   SOLE 0 47,635 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   22,086,557 597,580 SH   SOLE 0 597,580 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,984,269 42,004 SH   SOLE 0 42,004 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,667,509 22,139 SH   SOLE 0 22,139 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,475,361 20,305 SH   SOLE 0 20,305 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   821,163 20,498 SH   SOLE 0 20,498 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   825,121 13,029 SH   SOLE 0 13,029 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,248,738 14,598 SH   SOLE 0 14,598 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   2,038,653 24,316 SH   SOLE 0 24,316 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,795,203 47,745 SH   SOLE 0 47,745 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   1,833,157 16,082 SH   SOLE 0 16,082 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,997,358 25,963 SH   SOLE 0 25,963 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,242,997 17,257 SH   SOLE 0 17,257 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,850,440 20,901 SH   SOLE 0 20,901 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,962,161 16,566 SH   SOLE 0 16,566 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   9,729,751 286,085 SH   SOLE 0 286,085 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   281,230 6,434 SH   SOLE 0 6,434 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,808,983 107,568 SH   SOLE 0 107,568 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   1,283,406 22,655 SH   SOLE 0 22,655 0 0
SPDR SER TR PORTFOLIO LN COR 78464A367   1,303,097 54,775 SH   SOLE 0 54,775 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   1,891,951 85,725 SH   SOLE 0 85,725 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   537,642 18,825 SH   SOLE 0 18,825 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,823,907 62,850 SH   SOLE 0 62,850 0 0
STARBUCKS CORP COM 855244109   271,324 2,826 SH   SOLE 0 2,826 0 0
TAPESTRY INC COM 876030107   476,616 12,948 SH   SOLE 0 12,948 0 0
TESLA INC COM 88160R101   427,386 1,720 SH   SOLE 0 1,720 0 0
TJX COS INC NEW COM 872540109   1,339,607 14,280 SH   SOLE 0 14,280 0 0
TRUIST FINL CORP COM 89832Q109   406,858 11,020 SH   SOLE 0 11,020 0 0
UNION PAC CORP COM 907818108   283,200 1,153 SH   SOLE 0 1,153 0 0
UNITED PARCEL SERVICE INC CL B 911312106   249,210 1,585 SH   SOLE 0 1,585 0 0
US BANCORP DEL COM NEW 902973304   328,928 7,600 SH   SOLE 0 7,600 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   890,049 3,752 SH   SOLE 0 3,752 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   479,353 5,425 SH   SOLE 0 5,425 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   490,734 11,940 SH   SOLE 0 11,940 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,105,755 37,509 SH   SOLE 0 37,509 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   652,462 3,829 SH   SOLE 0 3,829 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   295,017 2,506 SH   SOLE 0 2,506 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,026,564 2,121 SH   SOLE 0 2,121 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   225,062 739 SH   SOLE 0 739 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801   206,275 1,086 SH   SOLE 0 1,086 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   209,430 2,270 SH   SOLE 0 2,270 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   216,968 1,850 SH   SOLE 0 1,850 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   247,387 6,562 SH   SOLE 0 6,562 0 0
WALMART INC COM 931142103   1,167,714 7,407 SH   SOLE 0 7,407 0 0
WELLS FARGO CO NEW COM 949746101   821,974 16,700 SH   SOLE 0 16,700 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   679,208 5,581 SH   SOLE 0 5,581 0 0