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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P MCP ETF 464287507 4,086 22,052 SH   SOLE 0 22,052 0 0
ISHARES TR CORE S&P SCP ETF 464287804 3,937 56,063 SH   SOLE 0 56,063 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 345 1,031 SH   SOLE 0 1,031 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 928 15,621 SH   SOLE 0 15,621 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 310 633 SH   SOLE 0 633 0 0
AMAZON COM INC COM 023135106 2,267 720 SH   SOLE 0 720 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 330 5,481 SH   SOLE 0 5,481 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 634 2,977 SH   SOLE 0 2,977 0 0
BOEING CO COM 097023105 417 2,525 SH   SOLE 0 2,525 0 0
ABBOTT LABS COM 002824100 2,885 26,512 SH   SOLE 0 26,512 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 761 20,231 SH   SOLE 0 20,231 0 0
INTEL CORP COM 458140100 1,695 32,735 SH   SOLE 0 32,735 0 0
ORACLE CORP COM 68389X105 1,686 28,238 SH   SOLE 0 28,238 0 0
DISNEY WALT CO COM DISNEY 254687106 2,958 23,841 SH   SOLE 0 23,841 0 0
HONEYWELL INTL INC COM 438516106 514 3,120 SH   SOLE 0 3,120 0 0
US BANCORP DEL COM NEW 902973304 832 23,200 SH   SOLE 0 23,200 0 0
JOHNSON & JOHNSON COM 478160104 1,478 9,925 SH   SOLE 0 9,925 0 0
PFIZER INC COM 717081103 2,704 73,685 SH   SOLE 0 73,685 0 0
LOWES COS INC COM 548661107 3,462 20,875 SH   SOLE 0 20,875 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,123 33,357 SH   SOLE 0 33,357 0 0
CHEVRON CORP NEW COM 166764100 1,974 27,421 SH   SOLE 0 27,421 0 0
MICROSOFT CORP COM 594918104 4,108 19,529 SH   SOLE 0 19,529 0 0
UNITED PARCEL SERVICE INC CL B 911312106 296 1,775 SH   SOLE 0 1,775 0 0
AT&T INC COM 00206R102 357 12,532 SH   SOLE 0 12,532 0 0
CITIGROUP INC COM NEW 172967424 626 14,520 SH   SOLE 0 14,520 0 0
CISCO SYS INC COM 17275R102 301 7,650 SH   SOLE 0 7,650 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 342 2,810 SH   SOLE 0 2,810 0 0
COCA COLA CO COM 191216100 1,630 33,019 SH   SOLE 0 33,019 0 0
PEPSICO INC COM 713448108 1,365 9,852 SH   SOLE 0 9,852 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 918 15,439 SH   SOLE 0 15,439 0 0
XEROX HOLDINGS CORP COM NEW 98421M106 194 10,353 SH   SOLE 0 10,353 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,114 17,502 SH   SOLE 0 17,502 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 413 13,783 SH   SOLE 0 13,783 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 730 30,308 SH   SOLE 0 30,308 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,113 14,461 SH   SOLE 0 14,461 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,095 26,523 SH   SOLE 0 26,523 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 944 14,733 SH   SOLE 0 14,733 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,229 21,130 SH   SOLE 0 21,130 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,305 15,680 SH   SOLE 0 15,680 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 494 3,842 SH   SOLE 0 3,842 0 0
BK OF AMERICA CORP COM 060505104 215 8,942 SH   SOLE 0 8,942 0 0
STARBUCKS CORP COM 855244109 401 4,671 SH   SOLE 0 4,671 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 781 5,600 SH   SOLE 0 5,600 0 0
EXXON MOBIL CORP COM 30231G102 1,198 34,900 SH   SOLE 0 34,900 0 0
WALMART INC COM 931142103 1,875 13,402 SH   SOLE 0 13,402 0 0
UNION PAC CORP COM 907818108 891 4,525 SH   SOLE 0 4,525 0 0
TEXAS INSTRS INC COM 882508104 207 1,450 SH   SOLE 0 1,450 0 0
TARGET CORP COM 87612E106 200 1,271 SH   SOLE 0 1,271 0 0
LILLY ELI & CO COM 532457108 1,088 7,350 SH   SOLE 0 7,350 0 0
CVS HEALTH CORP COM 126650100 794 13,600 SH   SOLE 0 13,600 0 0
DOMINION ENERGY INC COM 25746U109 1,101 13,954 SH   SOLE 0 13,954 0 0
DANAHER CORPORATION COM 235851102 1,351 6,275 SH   SOLE 0 6,275 0 0
MERCK & CO. INC COM 58933Y105 733 8,835 SH   SOLE 0 8,835 0 0
PROCTER AND GAMBLE CO COM 742718109 3,504 25,214 SH   SOLE 0 25,214 0 0
GENERAL ELECTRIC CO COM 369604103 174 27,905 SH   SOLE 0 27,905 0 0
HOME DEPOT INC COM 437076102 1,090 3,925 SH   SOLE 0 3,925 0 0
MCDONALDS CORP COM 580135101 629 2,868 SH   SOLE 0 2,868 0 0
JPMORGAN CHASE & CO COM 46625H100 1,921 19,953 SH   SOLE 0 19,953 0 0
TJX COS INC NEW COM 872540109 897 16,125 SH   SOLE 0 16,125 0 0
MONDELEZ INTL INC CL A 609207105 874 15,207 SH   SOLE 0 15,207 0 0
WELLS FARGO CO NEW COM 949746101 794 33,755 SH   SOLE 0 33,755 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 309 2,535 SH   SOLE 0 2,535 0 0
ISHARES TR 20 YR TR BD ETF 464287432 247 1,515 SH   SOLE 0 1,515 0 0
ISHARES TR IBOXX INV CP ETF 464287242 303 2,250 SH   SOLE 0 2,250 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 807 3,573 SH   SOLE 0 3,573 0 0
AMERICAN TOWER CORP NEW COM 03027X100 1,008 4,169 SH   SOLE 0 4,169 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 1,100 8,078 SH   SOLE 0 8,078 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 381 6,622 SH   SOLE 0 6,622 0 0
MARSH & MCLENNAN COS INC COM 571748102 710 6,190 SH   SOLE 0 6,190 0 0
3M CO COM 88579Y101 371 2,319 SH   SOLE 0 2,319 0 0
DOLLAR TREE INC COM 256746108 904 9,895 SH   SOLE 0 9,895 0 0
COMCAST CORP NEW CL A 20030N101 1,368 29,565 SH   SOLE 0 29,565 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 965 5,668 SH   SOLE 0 5,668 0 0
NORFOLK SOUTHN CORP COM 655844108 499 2,330 SH   SOLE 0 2,330 0 0
NEXTERA ENERGY INC COM 65339F101 444 1,600 SH   SOLE 0 1,600 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 318 3,595 SH   SOLE 0 3,595 0 0
APPLE INC COM 037833100 5,322 45,952 SH   SOLE 0 45,952 0 0
ALLSTATE CORP COM 020002101 1,777 18,872 SH   SOLE 0 18,872 0 0
CATERPILLAR INC DEL COM 149123101 1,606 10,769 SH   SOLE 0 10,769 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 346 7,848 SH   SOLE 0 7,848 0 0
TAPESTRY INC COM 876030107 312 19,975 SH   SOLE 0 19,975 0 0
HALLIBURTON CO COM 406216101 140 11,650 SH   SOLE 0 11,650 0 0
AMERICAN EXPRESS CO COM 025816109 960 9,573 SH   SOLE 0 9,573 0 0
KLA CORP COM NEW 482480100 1,442 7,445 SH   SOLE 0 7,445 0 0
CME GROUP INC COM 12572Q105 1,088 6,500 SH   SOLE 0 6,500 0 0
PROLOGIS INC. COM 74340W103 523 5,200 SH   SOLE 0 5,200 0 0
AIR PRODS & CHEMS INC COM 009158106 246 825 SH   SOLE 0 825 0 0
MASCO CORP COM 574599106 594 10,772 SH   SOLE 0 10,772 0 0
LAUDER ESTEE COS INC CL A 518439104 705 3,230 SH   SOLE 0 3,230 0 0
JACOBS ENGR GROUP INC COM 469814107 445 4,800 SH   SOLE 0 4,800 0 0
PRICE T ROWE GROUP INC COM 74144T108 462 3,600 SH   SOLE 0 3,600 0 0
MOODYS CORP COM 615369105 464 1,602 SH   SOLE 0 1,602 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 2,127 20,698 SH   SOLE 0 20,698 0 0
ALPHABET INC CAP STK CL A 02079K305 2,203 1,503 SH   SOLE 0 1,503 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 483 6,123 SH   SOLE 0 6,123 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,939 19,385 SH   SOLE 0 19,385 0 0
ALEXION PHARMACEUTICALS INC COM 015351109 381 3,330 SH   SOLE 0 3,330 0 0
SALESFORCE COM INC COM 79466L302 2,982 11,864 SH   SOLE 0 11,864 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 431 4,226 SH   SOLE 0 4,226 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 810 2,600 SH   SOLE 0 2,600 0 0
BANK MONTREAL QUE COM 063671101 234 4,000 SH   SOLE 0 4,000 0 0
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855 248 5,580 SH   SOLE 0 5,580 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,423 48,034 SH   SOLE 0 48,034 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,631 19,435 SH   SOLE 0 19,435 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,599 43,740 SH   SOLE 0 43,740 0 0
ISHARES TR MBS ETF 464288588 1,639 14,845 SH   SOLE 0 14,845 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 798 5,975 SH   SOLE 0 5,975 0 0
ISHARES TR NATIONAL MUN ETF 464288414 707 6,100 SH   SOLE 0 6,100 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 295 4,850 SH   SOLE 0 4,850 0 0
ISHARES TR RESIDENTIAL MULT 464288562 219 3,600 SH   SOLE 0 3,600 0 0
ISHARES TR CALIF MUN BD ETF 464288356 3,669 58,799 SH   SOLE 0 58,799 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 6,224 212,730 SH   SOLE 0 212,730 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 259 6,567 SH   SOLE 0 6,567 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 354 3,278 SH   SOLE 0 3,278 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,666 27,828 SH   SOLE 0 27,828 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,483 43,735 SH   SOLE 0 43,735 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 11,070 352,557 SH   SOLE 0 352,557 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 265 3,875 SH   SOLE 0 3,875 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,422 127,878 SH   SOLE 0 127,878 0 0
TESLA INC COM 88160R101 268 625 SH   SOLE 0 625 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817 2,686 23,424 SH   SOLE 0 23,424 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 1,047 27,885 SH   SOLE 0 27,885 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 343 3,300 SH   SOLE 0 3,300 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 297 5,350 SH   SOLE 0 5,350 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 1,187 42,750 SH   SOLE 0 42,750 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 275 3,173 SH   SOLE 0 3,173 0 0
FACEBOOK INC CL A 30303M102 1,902 7,262 SH   SOLE 0 7,262 0 0
ABBVIE INC COM 00287Y109 754 8,606 SH   SOLE 0 8,606 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795 889 17,824 SH   SOLE 0 17,824 0 0
FLEXSHARES TR GLB QLT R/E IDX 33939L787 540 10,284 SH   SOLE 0 10,284 0 0
ALPHABET INC CAP STK CL C 02079K107 251 171 SH   SOLE 0 171 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 286 13,620 SH   SOLE 0 13,620 0 0
FLEXSHARES TR DISCP DUR MBS 33939L779 1,519 62,850 SH   SOLE 0 62,850 0 0
FLEXSHARES TR CR SCD US BD 33939L761 1,149 20,961 SH   SOLE 0 20,961 0 0
PAYPAL HLDGS INC COM 70450Y103 1,935 9,820 SH   SOLE 0 9,820 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 983 27,867 SH   SOLE 0 27,867 0 0
FORTIVE CORP COM 34959J108 618 8,112 SH   SOLE 0 8,112 0 0
DBX ETF TR XTRACK USD HIGH 233051432 622 12,940 SH   SOLE 0 12,940 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 917 15,438 SH   SOLE 0 15,438 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662 2,396 51,517 SH   SOLE 0 51,517 0 0