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
LINDE PLC SHS G54950103   13,225 10,859 SH   SOLE   0 0 10,859
MEDTRONIC PLC SHS G5960L103   12,131 46,432 SH   SOLE   0 0 46,432
TRANE TECHNOLOGIES PLC SHS G8994E103   20,392 27,632 SH   SOLE   0 0 27,632
AT&T INC COM 00206R102   3,795 77,947 SH   SOLE   0 0 77,947
AKAMAI TECHNOLOGIES INC COM 00971T101   5,373 15,270 SH   SOLE   0 0 15,270
ALPHABET INC CAP STK CL C 02079K107   35,125 81,494 SH   SOLE   0 0 81,494
ALPHABET INC CAP STK CL A 02079K305   4,866 11,417 SH   SOLE   0 0 11,417
AMAZON COM INC COM 023135106   28,333 60,861 SH   SOLE   0 0 60,861
AMERICAN TOWER CORP NEW COM 03027X100   14,254 22,882 SH   SOLE   0 0 22,882
APPLE INC COM 037833100   36,806 66,106 SH   SOLE   0 0 66,106
CISCO SYS INC COM 17275R102   11,943 78,928 SH   SOLE   0 0 78,928
DIAGEO PLC SPON ADR NEW 25243Q205   5,616 13,005 SH   SOLE   0 0 13,005
DISNEY WALT CO COM 254687106   9,330 34,768 SH   SOLE   0 0 34,768
DUPONT DE NEMOURS INC COM 26614N102   8,023 35,298 SH   SOLE   0 0 35,298
EXXON MOBIL CORP COM 30231G102   4,599 15,537 SH   SOLE   0 0 15,537
GSK PLC SPONSORED ADR 37733W204   9,566 80,437 SH   SOLE   0 0 80,437
HOME DEPOT INC COM 437076102   10,935 10,224 SH   SOLE   0 0 10,224
ISHARES TR 1 3 YR TREAS BD 464287457   2,654 10,765 SH   SOLE   0 0 10,765
ISHARES TR CORE S&P SCP ETF 464287804   6,382 20,341 SH   SOLE   0 0 20,341
JPMORGAN CHASE & CO COM 46625H100   18,938 37,067 SH   SOLE   0 0 37,067
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,750 18,057 SH   SOLE   0 0 18,057
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   50,665 335,553 SH   SOLE   0 0 335,553
MERCK & CO INC COM 58933Y105   8,206 23,097 SH   SOLE   0 0 23,097
MICROSOFT CORP COM 594918104   43,317 37,540 SH   SOLE   0 0 37,540
NEXTERA ENERGY INC COM 65339F101   11,745 64,478 SH   SOLE   0 0 64,478
NIKE INC CL B 654106103   4,338 13,653 SH   SOLE   0 0 13,653
ORACLE CORP COM 68389X105   4,480 14,254 SH   SOLE   0 0 14,254
PAYPAL HLDGS INC COM 70450Y103   7,280 39,555 SH   SOLE   0 0 39,555
PROCTER AND GAMBLE CO COM 742718109   11,782 26,094 SH   SOLE   0 0 26,094
QUALCOMM INC COM 747525103   13,987 33,534 SH   SOLE   0 0 33,534
SHELL PLC SPON ADS 780259305   5,038 26,574 SH   SOLE   0 0 26,574
SPDR SER TR PORTFOLIO SH TSR 78468R101   7,080 81,103 SH   SOLE   0 0 81,103
SALESFORCE INC COM 79466L302   8,529 10,476 SH   SOLE   0 0 10,476
SCHWAB CHARLES CORP COM 808513105   4,005 20,456 SH   SOLE   0 0 20,456
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,826 20,570 SH   SOLE   0 0 20,570
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   5,384 74,134 SH   SOLE   0 0 74,134
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   14,573 132,795 SH   SOLE   0 0 132,795
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,189 15,038 SH   SOLE   0 0 15,038
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   5,120 12,115 SH   SOLE   0 0 12,115
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   2,248 10,325 SH   SOLE   0 0 10,325
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   3,261 28,852 SH   SOLE   0 0 28,852
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   10,010 17,413 SH   SOLE   0 0 17,413
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   5,691 25,829 SH   SOLE   0 0 25,829
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109   11,305 23,327 SH   SOLE   0 0 23,327
TILRAY BRANDS INC COM 88688T100   254 44,553 SH   SOLE   0 0 44,553
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   21,725 152,781 SH   SOLE   0 0 152,781
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   9,342 62,865 SH   SOLE   0 0 62,865
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   14,697 121,807 SH   SOLE   0 0 121,807
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   13,065 56,221 SH   SOLE   0 0 56,221
VANGUARD INDEX FDS SMALL CP ETF 922908751   28,400 45,515 SH   SOLE   0 0 45,515
VERIZON COMMUNICATIONS INC COM 92343V104   12,147 106,835 SH   SOLE   0 0 106,835
VISA INC COM CL A 92826C839   14,113 17,818 SH   SOLE   0 0 17,818
WILLIAMS SONOMA INC COM 969904101   6,426 10,586 SH   SOLE   0 0 10,586
ZOETIS INC CL A 98978V103   13,928 23,602 SH   SOLE   0 0 23,602
ZUORA INC COM CL A 98983V106   596 23,438 SH   SOLE   0 0 23,438