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
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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
BRISTOL-MYERS SQUIBB CO COM 110122108   1,044,247 18,123 SH   SOLE   0 0 18,123
CVS HEALTH CORP COM 126650100   3,894,996 37,651 SH   SOLE   0 0 37,651
CADENCE DESIGN SYSTEM INC COM 127387108   225,192 600 SH   SOLE   0 0 600
CATERPILLAR INC COM 149123101   216,175 203 SH   SOLE   0 0 203
CHEVRON CORPORATION COM 166764100   1,950,117 11,765 SH   SOLE   0 0 11,765
CORNING INC COM 219350105   510,860 2,000 SH   SOLE   0 0 2,000
CUMMINS INC COM 231021106   663,285 930 SH   SOLE   0 0 930
FIRST TR EXCHANGE-TRADED FD SHS 336917109   1,418,439 29,150 SH   SOLE   0 0 29,150
GILEAD SCIENCES INC COM 375558103   4,531,563 35,868 SH   SOLE   0 0 35,868
ISHARES TR CALIF MUN BD ETF 464288356   570,636 9,900 SH   SOLE   0 0 9,900
ISHARES TR CORE S&P US GWT 464287671   5,241,393 27,866 SH   SOLE   0 0 27,866
ISHARES TR MRGSTR MD CP GRW 464288307   1,481,954 15,076 SH   SOLE   0 0 15,076
ISHARES TR EAFE GRWTH ETF 464288885   264,393 2,125 SH   SOLE   0 0 2,125
ISHARES INC MSCI EMERG MRKT 464286533   620,006 8,236 SH   SOLE   0 0 8,236
ISHARES TR ESG MSCI KLD ETF 464288570   5,012,270 35,201 SH   SOLE   0 0 35,201
ISHARES TR EAFE VALUE ETF 464288877   2,280,042 29,785 SH   SOLE   0 0 29,785
ISHARES TR ISHARES BIOTECH 464287556   423,371 2,226 SH   SOLE   0 0 2,226
ISHARES TR RUS 1000 VAL ETF 464287598   243,885 1,006 SH   SOLE   0 0 1,006
ISHARES TR RUS MDCP VAL ETF 464287473   250,850 1,524 SH   SOLE   0 0 1,524
ISHARES TR S&P MC 400GR ETF 464287606   5,131,225 43,670 SH   SOLE   0 0 43,670
ISHARES TR S&P MC 400VL ETF 464287705   3,803,734 25,748 SH   SOLE   0 0 25,748
ISHARES TR S&P SML 600 GWT 464287887   5,222,264 29,240 SH   SOLE   0 0 29,240
ISHARES TR SP SMCP600VL ETF 464287879   3,673,958 26,880 SH   SOLE   0 0 26,880
ISHARES TR IBOXX INV CP ETF 464287242   542,623 4,975 SH   SOLE   0 0 4,975
ISHARES TR MSCI EAFE ETF 464287465   3,101,857 29,860 SH   SOLE   0 0 29,860
ISHARES TR RUS 1000 ETF 464287622   1,628,991 3,978 SH   SOLE   0 0 3,978
ISHARES TR RUS 1000 GRW ETF 464287614   433,105 3,488 SH   SOLE   0 0 3,488
ISHARES TR RUSSELL 2000 ETF 464287655   1,564,744 5,208 SH   SOLE   0 0 5,208
ISHARES TR S&P 500 VAL ETF 464287408   2,045,584 9,009 SH   SOLE   0 0 9,009
ISHARES TR S&P 500 GRWT ETF 464287309   1,230,894 8,950 SH   SOLE   0 0 8,950
ISHARES TR CORE S&P MCP ETF 464287507   16,093,180 208,704 SH   SOLE   0 0 208,704
ISHARES TR CORE S&P SCP ETF 464287804   17,579,203 118,530 SH   SOLE   0 0 118,530
ISHARES TR IBOXX HI YD ETF 464288513   1,814,599 22,691 SH   SOLE   0 0 22,691
ISHARES TR SELECT DIVID ETF 464287168   596,907 3,819 SH   SOLE   0 0 3,819
ISHARES TR CORE S&P500 ETF 464287200   669,508 894 SH   SOLE   0 0 894
JOHNSON & JOHNSON COM 478160104   3,724,216 14,664 SH   SOLE   0 0 14,664
MARRIOTT INTL INC NEW CL A 571903202   247,184 667 SH   SOLE   0 0 667
MICROSOFT CORP COM 594918104   2,253,896 6,042 SH   SOLE   0 0 6,042
MORGAN STANLEY COM NEW 617446448   376,272 1,800 SH   SOLE   0 0 1,800
NORTHROP GRUMMAN CORP COM 666807102   214,420 421 SH   SOLE   0 0 421
PALO ALTO NETWORKS INC COM 697435105   336,246 986 SH   SOLE   0 0 986
PFIZER INC COM 717081103   718,451 29,836 SH   SOLE   0 0 29,836
PUBLIC SVC ENTERPRISE GROUP COM 744573106   2,470,754 30,443 SH   SOLE   0 0 30,443
ROPER TECHNOLOGIES INC COM 776696106   1,370,818 4,051 SH   SOLE   0 0 4,051
SCHWAB CHARLES CORP COM 808513105   1,405,479 15,232 SH   SOLE   0 0 15,232
SCHWAB STRATEGIC TR GOVT MONE MA ETF 808524581   204,502 2,030 SH   SOLE   0 0 2,030
SEMPRA COM 816851109   495,707 5,347 SH   SOLE   0 0 5,347
UNION PAC CORP COM 907818108   394,672 1,451 SH   SOLE   0 0 1,451
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,112,614 7,444 SH   SOLE   0 0 7,444
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   340,233 5,700 SH   SOLE   0 0 5,700
VANGUARD BD INDEX FDS INTERMED TERM 921937819   16,741,828 218,277 SH   SOLE   0 0 218,277
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,729,059 60,699 SH   SOLE   0 0 60,699
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,958,603 61,792 SH   SOLE   0 0 61,792
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   629,013 12,436 SH   SOLE   0 0 12,436
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,457,218 3,938 SH   SOLE   0 0 3,938
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   4,223,193 26,908 SH   SOLE   0 0 26,908
DISNEY WALT CO COM 254687106   670,285 6,964 SH   SOLE   0 0 6,964
WELLS FARGO & CO COM 949746101   1,125,722 13,622 SH   SOLE   0 0 13,622