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
3M CO COM 88579Y101 343 2,307 SH   SOLE 0 2,307 0 0
ABBOTT LABS COM 002824100 2,870 24,249 SH   SOLE 0 24,249 0 0
ABBVIE INC COM 00287Y109 1,269 7,829 SH   SOLE 0 7,829 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 782 2,318 SH   SOLE 0 2,318 0 0
ACTIVISION BLIZZARD INC COM 00507V109 438 5,464 SH   SOLE 0 5,464 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 750 1,647 SH   SOLE 0 1,647 0 0
ADVANCED MICRO DEVICES INC COM 007903107 596 5,453 SH   SOLE 0 5,453 0 0
ALLSTATE CORP COM 020002101 2,256 16,291 SH   SOLE 0 16,291 0 0
ALPHABET INC CAP STK CL A 02079K305 3,605 1,296 SH   SOLE 0 1,296 0 0
AMAZON COM INC COM 023135106 2,024 621 SH   SOLE 0 621 0 0
AMERICAN EXPRESS CO COM 025816109 1,588 8,492 SH   SOLE 0 8,492 0 0
AMERICAN TOWER CORP NEW COM 03027X100 925 3,684 SH   SOLE 0 3,684 0 0
APPLE INC COM 037833100 6,060 34,706 SH   SOLE 0 34,706 0 0
AT&T INC COM 00206R102 290 12,285 SH   SOLE 0 12,285 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,212 5,325 SH   SOLE 0 5,325 0 0
BANK MONTREAL QUE COM 063671101 472 4,000 SH   SOLE 0 4,000 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 970 2,749 SH   SOLE 0 2,749 0 0
BK OF AMERICA CORP COM 060505104 344 8,342 SH   SOLE 0 8,342 0 0
BLACKROCK INC COM 09247X101 486 636 SH   SOLE 0 636 0 0
BLACKSTONE INC COM 09260D107 378 2,977 SH   SOLE 0 2,977 0 0
BOEING CO COM 097023105 631 3,295 SH   SOLE 0 3,295 0 0
BOSTON PROPERTIES INC COM 101121101 258 2,000 SH   SOLE 0 2,000 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 226 3,090 SH   SOLE 0 3,090 0 0
CATERPILLAR INC COM 149123101 2,475 11,108 SH   SOLE 0 11,108 0 0
CHEVRON CORP NEW COM 166764100 4,313 26,485 SH   SOLE 0 26,485 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 460 291 SH   SOLE 0 291 0 0
CISCO SYS INC COM 17275R102 346 6,200 SH   SOLE 0 6,200 0 0
CITIGROUP INC COM NEW 172967424 387 7,240 SH   SOLE 0 7,240 0 0
CME GROUP INC COM 12572Q105 1,070 4,500 SH   SOLE 0 4,500 0 0
COCA COLA CO COM 191216100 1,954 31,516 SH   SOLE 0 31,516 0 0
COMCAST CORP NEW CL A 20030N101 1,281 27,370 SH   SOLE 0 27,370 0 0
COSTCO WHSL CORP NEW COM 22160K105 318 553 SH   SOLE 0 553 0 0
CVS HEALTH CORP COM 126650100 1,324 13,077 SH   SOLE 0 13,077 0 0
DANAHER CORPORATION COM 235851102 1,518 5,175 SH   SOLE 0 5,175 0 0
DBX ETF TR XTRACK USD HIGH 233051432 366 9,710 SH   SOLE 0 9,710 0 0
DISNEY WALT CO COM 254687106 2,911 21,227 SH   SOLE 0 21,227 0 0
DOLLAR TREE INC COM 256746108 1,507 9,410 SH   SOLE 0 9,410 0 0
DOMINION ENERGY INC COM 25746U109 996 11,727 SH   SOLE 0 11,727 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 258 2,315 SH   SOLE 0 2,315 0 0
DUPONT DE NEMOURS INC COM 26614N102 226 3,074 SH   SOLE 0 3,074 0 0
EXXON MOBIL CORP COM 30231G102 2,691 32,588 SH   SOLE 0 32,588 0 0
FEDEX CORP COM 31428X106 408 1,763 SH   SOLE 0 1,763 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795 2,383 41,509 SH   SOLE 0 41,509 0 0
FLEXSHARES TR GLB QLT R/E IDX 33939L787 2,141 30,455 SH   SOLE 0 30,455 0 0
FLEXSHARES TR DISCP DUR MBS 33939L779 7,452 338,503 SH   SOLE 0 338,503 0 0
FLEXSHARES TR CR SCD US BD 33939L761 5,179 104,031 SH   SOLE 0 104,031 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 4,559 97,345 SH   SOLE 0 97,345 0 0
FLEXSHARES TR READY ACC VARI 33939L886 2,386 31,875 SH   SOLE 0 31,875 0 0
FLEXSHARES TR CR SCORED LONG 33939L753 228 4,369 SH   SOLE 0 4,369 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662 8,106 174,993 SH   SOLE 0 174,993 0 0
FORTIVE CORP COM 34959J108 404 6,623 SH   SOLE 0 6,623 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 232 3,125 SH   SOLE 0 3,125 0 0
GENERAL ELECTRIC CO COM NEW 369604301 242 2,641 SH   SOLE 0 2,641 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 371 8,506 SH   SOLE 0 8,506 0 0
HALLIBURTON CO COM 406216101 364 9,625 SH   SOLE 0 9,625 0 0
HOME DEPOT INC COM 437076102 1,022 3,415 SH   SOLE 0 3,415 0 0
HONEYWELL INTL INC COM 438516106 584 3,003 SH   SOLE 0 3,003 0 0
INTEL CORP COM 458140100 1,290 26,025 SH   SOLE 0 26,025 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 2,369 17,931 SH   SOLE 0 17,931 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 554 4,262 SH   SOLE 0 4,262 0 0
ISHARES TR CORE S&P MCP ETF 464287507 5,642 21,027 SH   SOLE 0 21,027 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,671 52,569 SH   SOLE 0 52,569 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,490 33,829 SH   SOLE 0 33,829 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 1,520 14,144 SH   SOLE 0 14,144 0 0
ISHARES TR 20 YR TR BD ETF 464287432 2,788 21,110 SH   SOLE 0 21,110 0 0
ISHARES TR IBOXX INV CP ETF 464287242 224 1,850 SH   SOLE 0 1,850 0 0
ISHARES TR IBOXX HI YD ETF 464288513 2,502 30,405 SH   SOLE 0 30,405 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 514 9,935 SH   SOLE 0 9,935 0 0
ISHARES TR CALIF MUN BD ETF 464288356 3,721 63,963 SH   SOLE 0 63,963 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,389 13,278 SH   SOLE 0 13,278 0 0
ISHARES TR 10+ YR INVST GRD 464289511 279 4,544 SH   SOLE 0 4,544 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 346 3,300 SH   SOLE 0 3,300 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 281 9,610 SH   SOLE 0 9,610 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 384 8,498 SH   SOLE 0 8,498 0 0
ISHARES TR MBS ETF 464288588 3,764 36,950 SH   SOLE 0 36,950 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 2,490 20,402 SH   SOLE 0 20,402 0 0
ISHARES TR NATIONAL MUN ETF 464288414 652 5,950 SH   SOLE 0 5,950 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 589 10,734 SH   SOLE 0 10,734 0 0
ISHARES TR RESIDENTIAL MULT 464288562 345 3,600 SH   SOLE 0 3,600 0 0
JACOBS ENGR GROUP INC COM 469814107 605 4,390 SH   SOLE 0 4,390 0 0
JOHNSON & JOHNSON COM 478160104 1,599 9,020 SH   SOLE 0 9,020 0 0
JPMORGAN CHASE & CO COM 46625H100 2,392 17,547 SH   SOLE 0 17,547 0 0
KLA CORP COM NEW 482480100 2,040 5,573 SH   SOLE 0 5,573 0 0
LAUDER ESTEE COS INC CL A 518439104 772 2,836 SH   SOLE 0 2,836 0 0
LILLY ELI & CO COM 532457108 1,830 6,391 SH   SOLE 0 6,391 0 0
LOWES COS INC COM 548661107 3,770 18,644 SH   SOLE 0 18,644 0 0
MARSH & MCLENNAN COS INC COM 571748102 1,010 5,925 SH   SOLE 0 5,925 0 0
MASCO CORP COM 574599106 515 10,092 SH   SOLE 0 10,092 0 0
MCDONALDS CORP COM 580135101 623 2,518 SH   SOLE 0 2,518 0 0
MERCK & CO INC COM 58933Y105 520 6,333 SH   SOLE 0 6,333 0 0
META PLATFORMS INC CL A 30303M102 1,489 6,695 SH   SOLE 0 6,695 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 2,927 38,950 SH   SOLE 0 38,950 0 0
MICROSOFT CORP COM 594918104 5,816 18,864 SH   SOLE 0 18,864 0 0
MONDELEZ INTL INC CL A 609207105 895 14,251 SH   SOLE 0 14,251 0 0
MOODYS CORP COM 615369105 435 1,290 SH   SOLE 0 1,290 0 0
NEXTERA ENERGY INC COM 65339F101 636 7,510 SH   SOLE 0 7,510 0 0
NORFOLK SOUTHN CORP COM 655844108 621 2,177 SH   SOLE 0 2,177 0 0
NUCOR CORP COM 670346105 208 1,400 SH   SOLE 0 1,400 0 0
NVIDIA CORPORATION COM 67066G104 1,527 5,595 SH   SOLE 0 5,595 0 0
ORACLE CORP COM 68389X105 843 10,185 SH   SOLE 0 10,185 0 0
PAYPAL HLDGS INC COM 70450Y103 1,022 8,837 SH   SOLE 0 8,837 0 0
PEPSICO INC COM 713448108 1,610 9,616 SH   SOLE 0 9,616 0 0
PFIZER INC COM 717081103 3,356 64,830 SH   SOLE 0 64,830 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817 965 9,270 SH   SOLE 0 9,270 0 0
PINTEREST INC CL A 72352L106 225 9,159 SH   SOLE 0 9,159 0 0
PRICE T ROWE GROUP INC COM 74144T108 292 1,931 SH   SOLE 0 1,931 0 0
PROCTER AND GAMBLE CO COM 742718109 3,597 23,538 SH   SOLE 0 23,538 0 0
PROLOGIS INC. COM 74340W103 840 5,200 SH   SOLE 0 5,200 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 516 5,205 SH   SOLE 0 5,205 0 0
SALESFORCE COM INC COM 79466L302 2,317 10,912 SH   SOLE 0 10,912 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 979 12,907 SH   SOLE 0 12,907 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,491 197,740 SH   SOLE 0 197,740 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,089 76,592 SH   SOLE 0 76,592 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,169 440,329 SH   SOLE 0 440,329 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 900 19,001 SH   SOLE 0 19,001 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 1,048 21,688 SH   SOLE 0 21,688 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,038 13,946 SH   SOLE 0 13,946 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1,415 16,051 SH   SOLE 0 16,051 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,576 20,614 SH   SOLE 0 20,614 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,264 32,997 SH   SOLE 0 32,997 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 1,574 15,287 SH   SOLE 0 15,287 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,890 24,477 SH   SOLE 0 24,477 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,094 14,412 SH   SOLE 0 14,412 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,672 19,506 SH   SOLE 0 19,506 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,912 15,740 SH   SOLE 0 15,740 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,063 15,455 SH   SOLE 0 15,455 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 1,438 22,910 SH   SOLE 0 22,910 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 9,990 291,429 SH   SOLE 0 291,429 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 202 3,745 SH   SOLE 0 3,745 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,448 63,357 SH   SOLE 0 63,357 0 0
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855 228 3,933 SH   SOLE 0 3,933 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 286 634 SH   SOLE 0 634 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672 1,184 39,085 SH   SOLE 0 39,085 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 922 24,375 SH   SOLE 0 24,375 0 0
STARBUCKS CORP COM 855244109 274 3,011 SH   SOLE 0 3,011 0 0
TAPESTRY INC COM 876030107 564 15,195 SH   SOLE 0 15,195 0 0
TARGET CORP COM 87612E106 282 1,328 SH   SOLE 0 1,328 0 0
TESLA INC COM 88160R101 404 375 SH   SOLE 0 375 0 0
TJX COS INC NEW COM 872540109 974 16,075 SH   SOLE 0 16,075 0 0
UNION PAC CORP COM 907818108 1,203 4,404 SH   SOLE 0 4,404 0 0
UNITED PARCEL SERVICE INC CL B 911312106 331 1,545 SH   SOLE 0 1,545 0 0
US BANCORP DEL COM NEW 902973304 1,222 23,000 SH   SOLE 0 23,000 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 973 4,274 SH   SOLE 0 4,274 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 664 6,123 SH   SOLE 0 6,123 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,692 46,741 SH   SOLE 0 46,741 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 2,816 56,200 SH   SOLE 0 56,200 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 740 8,600 SH   SOLE 0 8,600 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 620 3,822 SH   SOLE 0 3,822 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801 240 1,237 SH   SOLE 0 1,237 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 452 3,768 SH   SOLE 0 3,768 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,127 2,706 SH   SOLE 0 2,706 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 246 806 SH   SOLE 0 806 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 488 9,573 SH   SOLE 0 9,573 0 0
WALMART INC COM 931142103 1,966 13,202 SH   SOLE 0 13,202 0 0
WELLS FARGO CO NEW COM 949746101 1,187 24,500 SH   SOLE 0 24,500 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 641 5,009 SH   SOLE 0 5,009 0 0