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   323,569 2,367 SH   SOLE 0 2,367 0 0
ABBOTT LABS COM 002824100   2,487,812 21,821 SH   SOLE 0 21,821 0 0
ABBVIE INC COM 00287Y109   1,414,944 7,165 SH   SOLE 0 7,165 0 0
ADOBE INC COM 00724F101   1,010,707 1,952 SH   SOLE 0 1,952 0 0
ADVANCED MICRO DEVICES INC COM 007903107   343,419 2,093 SH   SOLE 0 2,093 0 0
ALLSTATE CORP COM 020002101   1,323,757 6,980 SH   SOLE 0 6,980 0 0
ALPHABET INC CAP STK CL A 02079K305   3,765,956 22,707 SH   SOLE 0 22,707 0 0
ALPHABET INC CAP STK CL C 02079K107   430,514 2,575 SH   SOLE 0 2,575 0 0
AMAZON COM INC COM 023135106   2,739,424 14,702 SH   SOLE 0 14,702 0 0
AMERICAN EXPRESS CO COM 025816109   2,007,422 7,402 SH   SOLE 0 7,402 0 0
AMERICAN TOWER CORP NEW COM 03027X100   619,075 2,662 SH   SOLE 0 2,662 0 0
ANALOG DEVICES INC COM 032654105   761,863 3,310 SH   SOLE 0 3,310 0 0
APPLE INC COM 037833100   8,627,242 37,027 SH   SOLE 0 37,027 0 0
AT&T INC COM 00206R102   797,096 36,232 SH   SOLE 0 36,232 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   940,052 3,397 SH   SOLE 0 3,397 0 0
BANCO SANTANDER S.A. ADR 05964H105   56,100 11,000 SH   SOLE 0 11,000 0 0
BANK MONTREAL QUE COM 063671101   372,075 4,125 SH   SOLE 0 4,125 0 0
BECTON DICKINSON & CO COM 075887109   269,309 1,117 SH   SOLE 0 1,117 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,061,360 2,306 SH   SOLE 0 2,306 0 0
BIOGEN INC COM 09062X103   232,026 1,197 SH   SOLE 0 1,197 0 0
BLACKROCK INC COM 09247X101   742,517 782 SH   SOLE 0 782 0 0
BLACKSTONE INC COM 09260D107   919,699 6,006 SH   SOLE 0 6,006 0 0
BOEING CO COM 097023105   559,963 3,683 SH   SOLE 0 3,683 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   204,114 3,945 SH   SOLE 0 3,945 0 0
BROADCOM INC COM 11135F101   293,250 1,700 SH   SOLE 0 1,700 0 0
CATERPILLAR INC COM 149123101   3,221,655 8,237 SH   SOLE 0 8,237 0 0
CDW CORP COM 12514G108   400,551 1,770 SH   SOLE 0 1,770 0 0
CENCORA INC COM 03073E105   412,572 1,833 SH   SOLE 0 1,833 0 0
CHEVRON CORP NEW COM 166764100   3,347,889 22,733 SH   SOLE 0 22,733 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   690,000 11,975 SH   SOLE 0 11,975 0 0
CISCO SYS INC COM 17275R102   647,847 12,173 SH   SOLE 0 12,173 0 0
CME GROUP INC COM 12572Q105   1,014,990 4,600 SH   SOLE 0 4,600 0 0
COCA COLA CO COM 191216100   1,917,943 26,690 SH   SOLE 0 26,690 0 0
COMCAST CORP NEW CL A 20030N101   629,850 15,079 SH   SOLE 0 15,079 0 0
COSTCO WHSL CORP NEW COM 22160K105   796,981 899 SH   SOLE 0 899 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   231,668 826 SH   SOLE 0 826 0 0
CVS HEALTH CORP COM 126650100   572,648 9,107 SH   SOLE 0 9,107 0 0
DANAHER CORPORATION COM 235851102   1,239,969 4,460 SH   SOLE 0 4,460 0 0
DISNEY WALT CO COM 254687106   1,325,787 13,783 SH   SOLE 0 13,783 0 0
DOMINION ENERGY INC COM 25746U109   246,185 4,260 SH   SOLE 0 4,260 0 0
ELI LILLY & CO COM 532457108   1,859,588 2,099 SH   SOLE 0 2,099 0 0
EXXON MOBIL CORP COM 30231G102   2,964,377 25,289 SH   SOLE 0 25,289 0 0
FLEXSHARES TR FLEXSHARES ULTRA 33939L886   2,418,472 31,965 SH   SOLE 0 31,965 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662   13,038,646 312,940 SH   SOLE 0 312,940 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795   4,588,650 77,224 SH   SOLE 0 77,224 0 0
FLEXSHARES TR GLB QLT R/E IDX 33939L787   4,402,473 70,696 SH   SOLE 0 70,696 0 0
FLEXSHARES TR DISCP DUR MBS 33939L779   8,750,108 417,069 SH   SOLE 0 417,069 0 0
FLEXSHARES TR CR SCD US BD 33939L761   4,356,305 88,687 SH   SOLE 0 88,687 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   6,818,460 165,296 SH   SOLE 0 165,296 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506   12,939,285 538,016 SH   SOLE 0 538,016 0 0
FORTIVE CORP COM 34959J108   355,422 4,503 SH   SOLE 0 4,503 0 0
FORTUNE BRANDS INNOVATIONS I COM 34964C106   273,514 3,055 SH   SOLE 0 3,055 0 0
FRANKLIN TEMPLETON ETF TR FTSE CHINA 35473P819   792,334 39,400 SH   SOLE 0 39,400 0 0
FRANKLIN TEMPLETON ETF TR FTSE TAIWAN 35473P686   494,358 10,250 SH   SOLE 0 10,250 0 0
FREEPORT-MCMORAN INC CL B 35671D857   548,122 10,980 SH   SOLE 0 10,980 0 0
GE AEROSPACE COM NEW 369604301   230,256 1,221 SH   SOLE 0 1,221 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   215,373 435 SH   SOLE 0 435 0 0
GRAINGER W W INC COM 384802104   343,846 331 SH   SOLE 0 331 0 0
GSK PLC SPONSORED ADR 37733W204   463,293 11,333 SH   SOLE 0 11,333 0 0
HALLIBURTON CO COM 406216101   257,383 8,860 SH   SOLE 0 8,860 0 0
HOME DEPOT INC COM 437076102   1,136,586 2,805 SH   SOLE 0 2,805 0 0
HONEYWELL INTL INC COM 438516106   632,533 3,060 SH   SOLE 0 3,060 0 0
INTEL CORP COM 458140100   222,870 9,500 SH   SOLE 0 9,500 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   2,197,555 13,680 SH   SOLE 0 13,680 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   1,075,112 4,863 SH   SOLE 0 4,863 0 0
ISHARES INC MSCI TAIWAN ETF 46434G772   364,969 6,775 SH   SOLE 0 6,775 0 0
ISHARES INC MSCI FRANCE ETF 464286707   208,060 5,150 SH   SOLE 0 5,150 0 0
ISHARES INC MSCI SWITZERLAND 464286749   214,913 4,125 SH   SOLE 0 4,125 0 0
ISHARES INC MSCI STH KOR ETF 464286772   369,369 5,775 SH   SOLE 0 5,775 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   329,084 4,600 SH   SOLE 0 4,600 0 0
ISHARES TR CORE S&P MCP ETF 464287507   7,114,451 114,160 SH   SOLE 0 114,160 0 0
ISHARES TR CORE S&P SCP ETF 464287804   6,601,339 56,441 SH   SOLE 0 56,441 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,704,961 32,344 SH   SOLE 0 32,344 0 0
ISHARES TR MSCI UK ETF NEW 46435G334   338,561 9,050 SH   SOLE 0 9,050 0 0
ISHARES TR MBS ETF 464288588   12,814,300 133,747 SH   SOLE 0 133,747 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   11,042,532 92,325 SH   SOLE 0 92,325 0 0
ISHARES TR NATIONAL MUN ETF 464288414   233,555 2,150 SH   SOLE 0 2,150 0 0
ISHARES TR ISHS 5-10YR INVT 464288638   1,250,709 23,282 SH   SOLE 0 23,282 0 0
ISHARES TR GLB INFRASTR ETF 464288372   462,383 8,495 SH   SOLE 0 8,495 0 0
ISHARES TR RESIDENTIAL MULT 464288562   319,752 3,600 SH   SOLE 0 3,600 0 0
ISHARES TR 10+ YR INVST GRD 464289511   225,078 4,200 SH   SOLE 0 4,200 0 0
ISHARES TR IBOXX HI YD ETF 464288513   5,075,763 63,210 SH   SOLE 0 63,210 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   4,100,687 77,871 SH   SOLE 0 77,871 0 0
ISHARES TR CALIF MUN BD ETF 464288356   883,853 15,210 SH   SOLE 0 15,210 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   1,534,976 14,455 SH   SOLE 0 14,455 0 0
ISHARES TR CORE US AGGBD ET 464287226   212,667 2,100 SH   SOLE 0 2,100 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   5,661,434 68,087 SH   SOLE 0 68,087 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   3,695,101 37,659 SH   SOLE 0 37,659 0 0
ISHARES TR 20 YR TR BD ETF 464287432   1,526,044 15,556 SH   SOLE 0 15,556 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   519,961 11,338 SH   SOLE 0 11,338 0 0
ISHARES TR MSCI INDIA ETF 46429B598   930,627 15,900 SH   SOLE 0 15,900 0 0
ISHARES TR MSCI CHINA ETF 46429B671   565,101 11,100 SH   SOLE 0 11,100 0 0
ISHARES TR BLACKROCK ULTRA 46434V878   984,356 19,400 SH   SOLE 0 19,400 0 0
JACOBS SOLUTIONS INC COM 46982L108   463,386 3,540 SH   SOLE 0 3,540 0 0
JOHNSON & JOHNSON COM 478160104   483,749 2,985 SH   SOLE 0 2,985 0 0
JOHNSON CTLS INTL PLC SHS G51502105   432,909 5,578 SH   SOLE 0 5,578 0 0
JPMORGAN CHASE & CO. COM 46625H100   3,038,493 14,410 SH   SOLE 0 14,410 0 0
KLA CORP COM NEW 482480100   1,568,180 2,025 SH   SOLE 0 2,025 0 0
LINDE PLC SHS G54950103   201,712 423 SH   SOLE 0 423 0 0
LOWES COS INC COM 548661107   3,498,299 12,916 SH   SOLE 0 12,916 0 0
MARSH & MCLENNAN COS INC COM 571748102   1,138,874 5,105 SH   SOLE 0 5,105 0 0
MASCO CORP COM 574599106   473,170 5,637 SH   SOLE 0 5,637 0 0
MASTERCARD INCORPORATED CL A 57636Q104   1,004,883 2,035 SH   SOLE 0 2,035 0 0
MCDONALDS CORP COM 580135101   562,430 1,847 SH   SOLE 0 1,847 0 0
MERCK & CO INC COM 58933Y105   662,963 5,838 SH   SOLE 0 5,838 0 0
META PLATFORMS INC CL A 30303M102   2,396,234 4,186 SH   SOLE 0 4,186 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   2,569,521 32,003 SH   SOLE 0 32,003 0 0
MICROSOFT CORP COM 594918104   7,139,538 16,592 SH   SOLE 0 16,592 0 0
MONDELEZ INTL INC CL A 609207105   949,459 12,888 SH   SOLE 0 12,888 0 0
MOODYS CORP COM 615369105   384,418 810 SH   SOLE 0 810 0 0
NEXTERA ENERGY INC COM 65339F101   638,624 7,555 SH   SOLE 0 7,555 0 0
NIKE INC CL B 654106103   219,497 2,483 SH   SOLE 0 2,483 0 0
NORFOLK SOUTHN CORP COM 655844108   545,955 2,197 SH   SOLE 0 2,197 0 0
NUCOR CORP COM 670346105   218,745 1,455 SH   SOLE 0 1,455 0 0
NVIDIA CORPORATION COM 67066G104   5,586,240 46,000 SH   SOLE 0 46,000 0 0
ORACLE CORP COM 68389X105   1,949,717 11,442 SH   SOLE 0 11,442 0 0
PALO ALTO NETWORKS INC COM 697435105   594,390 1,739 SH   SOLE 0 1,739 0 0
PAYPAL HLDGS INC COM 70450Y103   470,521 6,030 SH   SOLE 0 6,030 0 0
PEPSICO INC COM 713448108   879,329 5,171 SH   SOLE 0 5,171 0 0
PFIZER INC COM 717081103   1,815,175 62,722 SH   SOLE 0 62,722 0 0
PHILIP MORRIS INTL INC COM 718172109   246,563 2,031 SH   SOLE 0 2,031 0 0
PROCTER AND GAMBLE CO COM 742718109   2,484,034 14,342 SH   SOLE 0 14,342 0 0
PROLOGIS INC. COM 74340W103   631,400 5,000 SH   SOLE 0 5,000 0 0
RTX CORPORATION COM 75513E101   457,742 3,778 SH   SOLE 0 3,778 0 0
SALESFORCE INC COM 79466L302   2,636,648 9,633 SH   SOLE 0 9,633 0 0
SCHWAB CHARLES CORP COM 808513105   509,536 7,862 SH   SOLE 0 7,862 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   7,023,292 240,689 SH   SOLE 0 240,689 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,506,008 37,673 SH   SOLE 0 37,673 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   24,272,725 590,290 SH   SOLE 0 590,290 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,266,412 44,008 SH   SOLE 0 44,008 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,033,545 24,474 SH   SOLE 0 24,474 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   749,219 16,772 SH   SOLE 0 16,772 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,709,012 18,905 SH   SOLE 0 18,905 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   882,111 10,920 SH   SOLE 0 10,920 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,241,500 12,881 SH   SOLE 0 12,881 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,990,250 22,668 SH   SOLE 0 22,668 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,929,851 42,583 SH   SOLE 0 42,583 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   1,836,837 13,562 SH   SOLE 0 13,562 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   5,471,519 24,236 SH   SOLE 0 24,236 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,294,190 15,593 SH   SOLE 0 15,593 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,821,911 18,322 SH   SOLE 0 18,322 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,462,140 12,288 SH   SOLE 0 12,288 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   10,693,708 284,710 SH   SOLE 0 284,710 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   933,727 19,645 SH   SOLE 0 19,645 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,603,339 111,515 SH   SOLE 0 111,515 0 0
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855   214,064 3,470 SH   SOLE 0 3,470 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   3,116,256 54,036 SH   SOLE 0 54,036 0 0
SPDR SER TR PORTFOLIO LN COR 78464A367   1,243,032 51,450 SH   SOLE 0 51,450 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   2,223,441 98,688 SH   SOLE 0 98,688 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   534,704 18,400 SH   SOLE 0 18,400 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,780,421 61,246 SH   SOLE 0 61,246 0 0
STARBUCKS CORP COM 855244109   258,056 2,647 SH   SOLE 0 2,647 0 0
TAPESTRY INC COM 876030107   488,263 10,393 SH   SOLE 0 10,393 0 0
TESLA INC COM 88160R101   502,330 1,920 SH   SOLE 0 1,920 0 0
TJX COS INC NEW COM 872540109   1,585,732 13,491 SH   SOLE 0 13,491 0 0
TRUIST FINL CORP COM 89832Q109   444,166 10,385 SH   SOLE 0 10,385 0 0
UNION PAC CORP COM 907818108   280,987 1,140 SH   SOLE 0 1,140 0 0
UNITED PARCEL SERVICE INC CL B 911312106   207,919 1,525 SH   SOLE 0 1,525 0 0
US BANCORP DEL COM NEW 902973304   300,675 6,575 SH   SOLE 0 6,575 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   933,295 3,296 SH   SOLE 0 3,296 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   560,750 5,756 SH   SOLE 0 5,756 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   2,132,487 33,849 SH   SOLE 0 33,849 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   523,240 10,935 SH   SOLE 0 10,935 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   758,372 3,829 SH   SOLE 0 3,829 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306   262,698 2,145 SH   SOLE 0 2,145 0 0
VANGUARD WORLD FD MATERIALS ETF 92204A801   224,158 1,060 SH   SOLE 0 1,060 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405   213,445 1,942 SH   SOLE 0 1,942 0 0
VANGUARD WORLD FD COMM SRVC ETF 92204A884   337,450 2,321 SH   SOLE 0 2,321 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702   489,744 835 SH   SOLE 0 835 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108   258,424 759 SH   SOLE 0 759 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   287,873 6,410 SH   SOLE 0 6,410 0 0
WALMART INC COM 931142103   1,626,063 20,137 SH   SOLE 0 20,137 0 0
WELLS FARGO CO NEW COM 949746101   949,032 16,800 SH   SOLE 0 16,800 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   479,622 4,443 SH   SOLE 0 4,443 0 0