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
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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
APPLE INC COM 037833100   2,597,153 15,750 SH   SOLE   0 0 15,750
CHEVRON CORP NEW COM 166764100   325,178 1,993 SH   SOLE   0 0 1,993
EXPEDITORS INTL WASH INC COM 302130109   378,923 3,441 SH   SOLE   0 0 3,441
EXXON MOBIL CORP COM 30231G102   230,944 2,106 SH   SOLE   0 0 2,106
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,256,657 12,549 SH   SOLE   0 0 12,549
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   4,302,113 14,749 SH   SOLE   0 0 14,749
ISHARES TR CORE US AGGBD ET 464287226   357,533 3,588 SH   SOLE   0 0 3,588
JOHNSON & JOHNSON COM 478160104   233,433 1,506 SH   SOLE   0 0 1,506
MICROSOFT CORP COM 594918104   473,033 1,641 SH   SOLE   0 0 1,641
ORACLE CORP COM 68389X105   1,403,943 15,109 SH   SOLE   0 0 15,109
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   9,720,816 132,871 SH   SOLE   0 0 132,871
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,495,140 115,009 SH   SOLE   0 0 115,009
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   475,346 13,659 SH   SOLE   0 0 13,659
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,019,284 29,761 SH   SOLE   0 0 29,761
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,453,880 34,674 SH   SOLE   0 0 34,674
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   651,895 13,897 SH   SOLE   0 0 13,897
SEMPRA COM 816851109   387,725 2,565 SH   SOLE   0 0 2,565
STARBUCKS CORP COM 855244109   234,032 2,247 SH   SOLE   0 0 2,247
TESLA INC COM 88160R101   387,950 1,870 SH   SOLE   0 0 1,870
UNITEDHEALTH GROUP INC COM 91324P102   384,830 814 SH   SOLE   0 0 814
VANGUARD BD INDEX FDS INTERMED TERM 921937819   6,069,855 79,096 SH   SOLE   0 0 79,096
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,913,220 38,086 SH   SOLE   0 0 38,086
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,727,921 77,583 SH   SOLE   0 0 77,583
VANGUARD INDEX FDS MID CAP ETF 922908629   1,671,185 7,923 SH   SOLE   0 0 7,923
VANGUARD INDEX FDS GROWTH ETF 922908736   3,574,973 14,332 SH   SOLE   0 0 14,332
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,793,701 9,462 SH   SOLE   0 0 9,462
VANGUARD INDEX FDS SM CP VAL ETF 922908611   477,090 3,005 SH   SOLE   0 0 3,005
VANGUARD INDEX FDS VALUE ETF 922908744   2,811,719 20,359 SH   SOLE   0 0 20,359
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,964,111 5,223 SH   SOLE   0 0 5,223
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,176,221 20,623 SH   SOLE   0 0 20,623
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   221,394 2,099 SH   SOLE   0 0 2,099
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   2,646,768 11,099 SH   SOLE   0 0 11,099
VANGUARD WORLD FDS INF TECH ETF 92204A702   663,247 1,721 SH   SOLE   0 0 1,721