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   264,857 2,497 SH   SOLE 0 2,497 0 0
ABBOTT LABS COM 002824100   2,508,135 22,067 SH   SOLE 0 22,067 0 0
ABBVIE INC COM 00287Y109   1,311,120 7,200 SH   SOLE 0 7,200 0 0
ADOBE INC COM 00724F101   1,013,237 2,008 SH   SOLE 0 2,008 0 0
ADVANCED MICRO DEVICES INC COM 007903107   473,786 2,625 SH   SOLE 0 2,625 0 0
ALLSTATE CORP COM 020002101   1,448,440 8,372 SH   SOLE 0 8,372 0 0
ALPHABET INC CAP STK CL A 02079K305   3,413,131 22,614 SH   SOLE 0 22,614 0 0
ALPHABET INC CAP STK CL C 02079K107   356,288 2,340 SH   SOLE 0 2,340 0 0
AMAZON COM INC COM 023135106   2,464,532 13,663 SH   SOLE 0 13,663 0 0
AMERICAN EXPRESS CO COM 025816109   1,812,412 7,960 SH   SOLE 0 7,960 0 0
AMERICAN TOWER CORP NEW COM 03027X100   608,775 3,081 SH   SOLE 0 3,081 0 0
ANALOG DEVICES INC COM 032654105   677,431 3,425 SH   SOLE 0 3,425 0 0
APPLE INC COM 037833100   6,237,206 36,373 SH   SOLE 0 36,373 0 0
AT&T INC COM 00206R102   640,510 36,393 SH   SOLE 0 36,393 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   952,758 3,815 SH   SOLE 0 3,815 0 0
BANCO SANTANDER S.A. ADR 05964H105   53,240 11,000 SH   SOLE 0 11,000 0 0
BANK MONTREAL QUE COM 063671101   390,720 4,000 SH   SOLE 0 4,000 0 0
BATH & BODY WORKS INC COM 070830104   205,782 4,114 SH   SOLE 0 4,114 0 0
BECTON DICKINSON & CO COM 075887109   261,555 1,057 SH   SOLE 0 1,057 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,029,853 2,449 SH   SOLE 0 2,449 0 0
BIOGEN INC COM 09062X103   271,694 1,260 SH   SOLE 0 1,260 0 0
BLACKROCK INC COM 09247X101   671,962 806 SH   SOLE 0 806 0 0
BLACKSTONE INC COM 09260D107   810,947 6,173 SH   SOLE 0 6,173 0 0
BOEING CO COM 097023105   785,083 4,068 SH   SOLE 0 4,068 0 0
CATERPILLAR INC COM 149123101   3,033,674 8,279 SH   SOLE 0 8,279 0 0
CDW CORP COM 12514G108   454,521 1,777 SH   SOLE 0 1,777 0 0
CENCORA INC COM 03073E105   432,279 1,779 SH   SOLE 0 1,779 0 0
CHEVRON CORP NEW COM 166764100   3,586,692 22,738 SH   SOLE 0 22,738 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   723,786 249 SH   SOLE 0 249 0 0
CISCO SYS INC COM 17275R102   710,219 14,230 SH   SOLE 0 14,230 0 0
CME GROUP INC COM 12572Q105   987,105 4,585 SH   SOLE 0 4,585 0 0
COCA COLA CO COM 191216100   1,736,961 28,391 SH   SOLE 0 28,391 0 0
COMCAST CORP NEW CL A 20030N101   743,453 17,150 SH   SOLE 0 17,150 0 0
COSTCO WHSL CORP NEW COM 22160K105   569,254 777 SH   SOLE 0 777 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   264,807 826 SH   SOLE 0 826 0 0
CVS HEALTH CORP COM 126650100   967,648 12,132 SH   SOLE 0 12,132 0 0
DANAHER CORPORATION COM 235851102   1,106,260 4,430 SH   SOLE 0 4,430 0 0
DISNEY WALT CO COM 254687106   2,056,505 16,807 SH   SOLE 0 16,807 0 0
DOLLAR TREE INC COM 256746108   983,180 7,384 SH   SOLE 0 7,384 0 0
DOMINION ENERGY INC COM 25746U109   295,583 6,009 SH   SOLE 0 6,009 0 0
ELI LILLY & CO COM 532457108   1,791,642 2,303 SH   SOLE 0 2,303 0 0
EXXON MOBIL CORP COM 30231G102   2,944,824 25,334 SH   SOLE 0 25,334 0 0
FLEXSHARES TR FLEXSHARES ULTRA 33939L886   3,565,913 47,265 SH   SOLE 0 47,265 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662   13,254,768 322,422 SH   SOLE 0 322,422 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795   4,071,927 74,596 SH   SOLE 0 74,596 0 0
FLEXSHARES TR GLB QLT R/E IDX 33939L787   4,118,689 72,500 SH   SOLE 0 72,500 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   6,425,196 156,445 SH   SOLE 0 156,445 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506   9,470,194 398,745 SH   SOLE 0 398,745 0 0
FLEXSHARES TR DISCP DUR MBS 33939L779   8,993,790 441,413 SH   SOLE 0 441,413 0 0
FLEXSHARES TR CR SCD US BD 33939L761   4,248,837 88,925 SH   SOLE 0 88,925 0 0
FORTIVE CORP COM 34959J108   395,520 4,598 SH   SOLE 0 4,598 0 0
FORTUNE BRANDS INNOVATIONS I COM 34964C106   258,667 3,055 SH   SOLE 0 3,055 0 0
FRANKLIN TEMPLETON ETF TR FTSE CHINA 35473P819   399,234 25,300 SH   SOLE 0 25,300 0 0
FRANKLIN TEMPLETON ETF TR FTSE TAIWAN 35473P686   295,882 6,750 SH   SOLE 0 6,750 0 0
FREEPORT-MCMORAN INC CL B 35671D857   521,217 11,085 SH   SOLE 0 11,085 0 0
GENERAL ELECTRIC CO COM NEW 369604301   219,479 1,250 SH   SOLE 0 1,250 0 0
GRAINGER W W INC COM 384802104   336,726 331 SH   SOLE 0 331 0 0
GSK PLC SPONSORED ADR 37733W204   465,697 10,863 SH   SOLE 0 10,863 0 0
HALLIBURTON CO COM 406216101   379,142 9,618 SH   SOLE 0 9,618 0 0
HOME DEPOT INC COM 437076102   1,070,244 2,790 SH   SOLE 0 2,790 0 0
HONEYWELL INTL INC COM 438516106   651,669 3,175 SH   SOLE 0 3,175 0 0
INTEL CORP COM 458140100   536,666 12,150 SH   SOLE 0 12,150 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   2,050,868 14,923 SH   SOLE 0 14,923 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   1,036,913 5,430 SH   SOLE 0 5,430 0 0
ISHARES INC MSCI TAIWAN ETF 46434G772   272,608 5,600 SH   SOLE 0 5,600 0 0
ISHARES INC MSCI STH KOR ETF 464286772   352,328 5,250 SH   SOLE 0 5,250 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   363,885 5,100 SH   SOLE 0 5,100 0 0
ISHARES TR CORE S&P MCP ETF 464287507   7,161,550 117,905 SH   SOLE 0 117,905 0 0
ISHARES TR CORE S&P SCP ETF 464287804   6,407,508 57,976 SH   SOLE 0 57,976 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,576,075 32,257 SH   SOLE 0 32,257 0 0
ISHARES TR MSCI UK ETF NEW 46435G334   263,417 7,700 SH   SOLE 0 7,700 0 0
ISHARES TR IBOXX HI YD ETF 464288513   2,124,361 27,330 SH   SOLE 0 27,330 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   3,459,349 67,460 SH   SOLE 0 67,460 0 0
ISHARES TR MBS ETF 464288588   13,125,951 142,025 SH   SOLE 0 142,025 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   11,550,195 99,734 SH   SOLE 0 99,734 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   1,016,778 19,705 SH   SOLE 0 19,705 0 0
ISHARES TR RESIDENTIAL MULT 464288562   259,452 3,600 SH   SOLE 0 3,600 0 0
ISHARES TR CALIF MUN BD ETF 464288356   1,413,182 24,560 SH   SOLE 0 24,560 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,608,653 15,360 SH   SOLE 0 15,360 0 0
ISHARES TR 10+ YR INVST GRD 464289511   402,808 7,820 SH   SOLE 0 7,820 0 0
ISHARES TR CORE US AGGBD ET 464287226   739,447 7,550 SH   SOLE 0 7,550 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   4,085,320 49,955 SH   SOLE 0 49,955 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   4,197,698 44,345 SH   SOLE 0 44,345 0 0
ISHARES TR 20 YR TR BD ETF 464287432   1,418,827 14,995 SH   SOLE 0 14,995 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   462,684 11,263 SH   SOLE 0 11,263 0 0
ISHARES TR MSCI INDIA ETF 46429B598   573,939 11,125 SH   SOLE 0 11,125 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   889,856 17,600 SH   SOLE 0 17,600 0 0
ISHARES TR MSCI CHINA ETF 46429B671   437,030 11,000 SH   SOLE 0 11,000 0 0
JACOBS SOLUTIONS INC COM 46982L108   554,197 3,605 SH   SOLE 0 3,605 0 0
JOHNSON & JOHNSON COM 478160104   491,180 3,105 SH   SOLE 0 3,105 0 0
JOHNSON CTLS INTL PLC SHS G51502105   382,645 5,858 SH   SOLE 0 5,858 0 0
JPMORGAN CHASE & CO COM 46625H100   3,107,855 15,516 SH   SOLE 0 15,516 0 0
KLA CORP COM NEW 482480100   1,460,710 2,091 SH   SOLE 0 2,091 0 0
LAUDER ESTEE COS INC CL A 518439104   220,126 1,428 SH   SOLE 0 1,428 0 0
LINDE PLC SHS G54950103   203,372 438 SH   SOLE 0 438 0 0
LOWES COS INC COM 548661107   3,724,153 14,620 SH   SOLE 0 14,620 0 0
MARSH & MCLENNAN COS INC COM 571748102   1,131,654 5,494 SH   SOLE 0 5,494 0 0
MASCO CORP COM 574599106   472,255 5,987 SH   SOLE 0 5,987 0 0
MASTERCARD INCORPORATED CL A 57636Q104   940,988 1,954 SH   SOLE 0 1,954 0 0
MCDONALDS CORP COM 580135101   457,041 1,621 SH   SOLE 0 1,621 0 0
MERCK & CO INC COM 58933Y105   756,469 5,733 SH   SOLE 0 5,733 0 0
META PLATFORMS INC CL A 30303M102   2,271,543 4,678 SH   SOLE 0 4,678 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   3,170,351 35,340 SH   SOLE 0 35,340 0 0
MICROSOFT CORP COM 594918104   7,155,185 17,007 SH   SOLE 0 17,007 0 0
MONDELEZ INTL INC CL A 609207105   882,980 12,614 SH   SOLE 0 12,614 0 0
MOODYS CORP COM 615369105   322,285 820 SH   SOLE 0 820 0 0
NEXTERA ENERGY INC COM 65339F101   486,036 7,605 SH   SOLE 0 7,605 0 0
NIKE INC CL B 654106103   316,901 3,372 SH   SOLE 0 3,372 0 0
NORFOLK SOUTHN CORP COM 655844108   569,380 2,234 SH   SOLE 0 2,234 0 0
NUCOR CORP COM 670346105   283,789 1,434 SH   SOLE 0 1,434 0 0
NVIDIA CORPORATION COM 67066G104   4,159,087 4,603 SH   SOLE 0 4,603 0 0
ORACLE CORP COM 68389X105   1,607,431 12,797 SH   SOLE 0 12,797 0 0
PALO ALTO NETWORKS INC COM 697435105   488,419 1,719 SH   SOLE 0 1,719 0 0
PAYPAL HLDGS INC COM 70450Y103   446,488 6,665 SH   SOLE 0 6,665 0 0
PEPSICO INC COM 713448108   922,478 5,271 SH   SOLE 0 5,271 0 0
PFIZER INC COM 717081103   1,870,164 67,393 SH   SOLE 0 67,393 0 0
PROCTER AND GAMBLE CO COM 742718109   2,423,366 14,936 SH   SOLE 0 14,936 0 0
PROLOGIS INC. COM 74340W103   641,334 4,925 SH   SOLE 0 4,925 0 0
RTX CORPORATION COM 75513E101   381,830 3,915 SH   SOLE 0 3,915 0 0
SALESFORCE INC COM 79466L302   3,024,450 10,042 SH   SOLE 0 10,042 0 0
SCHWAB CHARLES CORP COM 808513105   591,886 8,182 SH   SOLE 0 8,182 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   6,458,308 255,775 SH   SOLE 0 255,775 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,741,756 44,910 SH   SOLE 0 44,910 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   23,617,557 605,268 SH   SOLE 0 605,268 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,184,927 44,373 SH   SOLE 0 44,373 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,907,335 23,423 SH   SOLE 0 23,423 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   835,325 12,724 SH   SOLE 0 12,724 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,334,393 14,365 SH   SOLE 0 14,365 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   2,279,152 24,141 SH   SOLE 0 24,141 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   2,017,328 47,895 SH   SOLE 0 47,895 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   2,015,705 16,003 SH   SOLE 0 16,003 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   5,221,537 25,071 SH   SOLE 0 25,071 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,301,835 17,049 SH   SOLE 0 17,049 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   3,012,617 20,393 SH   SOLE 0 20,393 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   3,017,445 16,409 SH   SOLE 0 16,409 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   757,170 19,154 SH   SOLE 0 19,154 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,668,314 20,430 SH   SOLE 0 20,430 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   2,318,069 40,015 SH   SOLE 0 40,015 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   10,317,261 287,870 SH   SOLE 0 287,870 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   321,321 7,504 SH   SOLE 0 7,504 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,004,604 110,655 SH   SOLE 0 110,655 0 0
SPDR SER TR PORTFOLIO LN COR 78464A367   1,213,709 52,225 SH   SOLE 0 52,225 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   518,512 18,400 SH   SOLE 0 18,400 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,616,329 57,850 SH   SOLE 0 57,850 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   1,861,947 85,725 SH   SOLE 0 85,725 0 0
STARBUCKS CORP COM 855244109   258,268 2,826 SH   SOLE 0 2,826 0 0
TAPESTRY INC COM 876030107   566,816 11,938 SH   SOLE 0 11,938 0 0
TARGET CORP COM 87612E106   216,551 1,222 SH   SOLE 0 1,222 0 0
TESLA INC COM 88160R101   328,727 1,870 SH   SOLE 0 1,870 0 0
TJX COS INC NEW COM 872540109   1,441,685 14,215 SH   SOLE 0 14,215 0 0
TRUIST FINL CORP COM 89832Q109   448,855 11,515 SH   SOLE 0 11,515 0 0
UNION PAC CORP COM 907818108   278,639 1,133 SH   SOLE 0 1,133 0 0
UNITED PARCEL SERVICE INC CL B 911312106   235,579 1,585 SH   SOLE 0 1,585 0 0
US BANCORP DEL COM NEW 902973304   329,663 7,375 SH   SOLE 0 7,375 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   469,154 5,425 SH   SOLE 0 5,425 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   888,598 3,419 SH   SOLE 0 3,419 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   456,755 10,935 SH   SOLE 0 10,935 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,053,278 35,009 SH   SOLE 0 35,009 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   699,214 3,829 SH   SOLE 0 3,829 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   227,306 2,220 SH   SOLE 0 2,220 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801   220,989 1,081 SH   SOLE 0 1,081 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   239,694 1,820 SH   SOLE 0 1,820 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   308,892 2,354 SH   SOLE 0 2,354 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,093,773 2,086 SH   SOLE 0 2,086 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   235,120 740 SH   SOLE 0 740 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   258,474 6,160 SH   SOLE 0 6,160 0 0
WALMART INC COM 931142103   1,326,207 22,041 SH   SOLE 0 22,041 0 0
WELLS FARGO CO NEW COM 949746101   967,932 16,700 SH   SOLE 0 16,700 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   760,337 5,761 SH   SOLE 0 5,761 0 0