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
Expires: July 31, 2015
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 347,138 2,237 SH SOLE 0 2,237 0 0
ABBOTT LABS COM 002824100 2,901,810 21,665 SH SOLE 0 21,665 0 0
ABBVIE INC COM 00287Y109 1,596,700 6,896 SH SOLE 0 6,896 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 369,900 1,500 SH SOLE 0 1,500 0 0
ADOBE INC COM 00724F101 668,109 1,894 SH SOLE 0 1,894 0 0
ADVANCED MICRO DEVICES INC COM 007903107 1,313,411 8,118 SH SOLE 0 8,118 0 0
ALLSTATE CORP COM 020002101 1,535,606 7,154 SH SOLE 0 7,154 0 0
ALPHABET INC CAP STK CL A 02079K305 6,319,628 25,996 SH SOLE 0 25,996 0 0
ALPHABET INC CAP STK CL C 02079K107 660,021 2,710 SH SOLE 0 2,710 0 0
AMAZON COM INC COM 023135106 3,758,160 17,116 SH SOLE 0 17,116 0 0
AMERICAN EXPRESS CO COM 025816109 2,402,513 7,233 SH SOLE 0 7,233 0 0
AMERICAN TOWER CORP NEW COM 03027X100 503,878 2,620 SH SOLE 0 2,620 0 0
ANALOG DEVICES INC COM 032654105 700,736 2,852 SH SOLE 0 2,852 0 0
APPLE INC COM 037833100 9,266,951 36,394 SH SOLE 0 36,394 0 0
AT&T INC COM 00206R102 568,404 20,128 SH SOLE 0 20,128 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 940,961 3,206 SH SOLE 0 3,206 0 0
BANCO SANTANDER S.A. ADR 05964H105 115,280 11,000 SH SOLE 0 11,000 0 0
BANK MONTREAL QUE COM 063671101 569,844 4,375 SH SOLE 0 4,375 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,035,142 2,059 SH SOLE 0 2,059 0 0
BLACKROCK INC COM 09290D101 774,138 664 SH SOLE 0 664 0 0
BLACKSTONE INC COM 09260D107 1,528,082 8,944 SH SOLE 0 8,944 0 0
BOEING CO COM 097023105 796,629 3,691 SH SOLE 0 3,691 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 243,991 5,410 SH SOLE 0 5,410 0 0
BROADCOM INC COM 11135F101 1,114,766 3,379 SH SOLE 0 3,379 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 241,845 4,051 SH SOLE 0 4,051 0 0
CATERPILLAR INC COM 149123101 3,798,591 7,961 SH SOLE 0 7,961 0 0
CENCORA INC COM 03073E105 546,302 1,748 SH SOLE 0 1,748 0 0
CHEVRON CORP NEW COM 166764100 3,533,624 22,755 SH SOLE 0 22,755 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 500,848 12,780 SH SOLE 0 12,780 0 0
CISCO SYS INC COM 17275R102 801,540 11,715 SH SOLE 0 11,715 0 0
CITIGROUP INC COM NEW 172967424 385,193 3,795 SH SOLE 0 3,795 0 0
CME GROUP INC COM 12572Q105 841,642 3,115 SH SOLE 0 3,115 0 0
COCA COLA CO COM 191216100 1,745,410 26,318 SH SOLE 0 26,318 0 0
COMCAST CORP NEW CL A 20030N101 459,298 14,618 SH SOLE 0 14,618 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,442,132 1,558 SH SOLE 0 1,558 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105 443,794 905 SH SOLE 0 905 0 0
CVS HEALTH CORP COM 126650100 658,155 8,730 SH SOLE 0 8,730 0 0
DANAHER CORPORATION COM 235851102 870,361 4,390 SH SOLE 0 4,390 0 0
DISNEY WALT CO COM 254687106 1,537,735 13,430 SH SOLE 0 13,430 0 0
DOMINION ENERGY INC COM 25746U109 251,103 4,105 SH SOLE 0 4,105 0 0
EATON CORP PLC SHS G29183103 401,196 1,072 SH SOLE 0 1,072 0 0
ELI LILLY & CO COM 532457108 1,474,879 1,933 SH SOLE 0 1,933 0 0
EXXON MOBIL CORP COM 30231G102 2,855,394 25,325 SH SOLE 0 25,325 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 5,130,885 117,197 SH SOLE 0 117,197 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506 17,983,057 739,131 SH SOLE 0 739,131 0 0
FLEXSHARES TR FLEXSHARES ULTRA 33939L886 1,548,393 20,473 SH SOLE 0 20,473 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662 11,742,989 285,024 SH SOLE 0 285,024 0 0
FLEXSHARES TR DISCP DUR MBS 33939L779 6,993,378 335,253 SH SOLE 0 335,253 0 0
FLEXSHARES TR CR SCD US BD 33939L761 3,888,238 78,949 SH SOLE 0 78,949 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795 5,100,673 81,066 SH SOLE 0 81,066 0 0
FLEXSHARES TR GLB QLT R/E IDX 33939L787 4,831,780 79,262 SH SOLE 0 79,262 0 0
FORTIVE CORP COM 34959J108 214,576 4,380 SH SOLE 0 4,380 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 421,632 12,200 SH SOLE 0 12,200 0 0
FRANKLIN TEMPLETON ETF TR FTSE CHINA 35473P819 1,106,726 42,550 SH SOLE 0 42,550 0 0
FRANKLIN TEMPLETON ETF TR FTSE SOUTH KOREA 35473P710 452,757 16,775 SH SOLE 0 16,775 0 0
FRANKLIN TEMPLETON ETF TR FTSE TAIWAN 35473P686 742,935 12,650 SH SOLE 0 12,650 0 0
FREEPORT-MCMORAN INC CL B 35671D857 403,848 10,297 SH SOLE 0 10,297 0 0
GE AEROSPACE COM NEW 369604301 349,252 1,161 SH SOLE 0 1,161 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 358,358 450 SH SOLE 0 450 0 0
GSK PLC SPONSORED ADR 37733W204 519,560 12,038 SH SOLE 0 12,038 0 0
HALLIBURTON CO COM 406216101 220,416 8,960 SH SOLE 0 8,960 0 0
HOME DEPOT INC COM 437076102 1,118,324 2,760 SH SOLE 0 2,760 0 0
HONEYWELL INTL INC COM 438516106 689,598 3,276 SH SOLE 0 3,276 0 0
INTEL CORP COM 458140100 234,850 7,000 SH SOLE 0 7,000 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 2,106,842 12,505 SH SOLE 0 12,505 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 736,438 2,610 SH SOLE 0 2,610 0 0
ISHARES INC MSCI GERMANY ETF 464286806 345,363 8,300 SH SOLE 0 8,300 0 0
ISHARES INC MSCI CDA ETF 464286509 284,344 5,625 SH SOLE 0 5,625 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 419,097 5,225 SH SOLE 0 5,225 0 0
ISHARES INC MSCI STH KOR ETF 464286772 320,400 4,000 SH SOLE 0 4,000 0 0
ISHARES INC MSCI TAIWAN ETF 46434G772 613,933 9,650 SH SOLE 0 9,650 0 0
ISHARES INC MSCI FRANCE ETF 464286707 410,746 9,350 SH SOLE 0 9,350 0 0
ISHARES INC MSCI SWITZERLAND 464286749 324,535 5,875 SH SOLE 0 5,875 0 0
ISHARES INC MSCI STH AFR ETF 464286780 230,760 3,600 SH SOLE 0 3,600 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 634,018 11,873 SH SOLE 0 11,873 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 6,362,700 76,696 SH SOLE 0 76,696 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 2,748,917 28,498 SH SOLE 0 28,498 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,571,571 17,585 SH SOLE 0 17,585 0 0
ISHARES TR CORE US AGGBD ET 464287226 210,525 2,100 SH SOLE 0 2,100 0 0
ISHARES TR MBS ETF 464288588 12,254,369 128,790 SH SOLE 0 128,790 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 11,449,417 95,803 SH SOLE 0 95,803 0 0
ISHARES TR NATIONAL MUN ETF 464288414 201,160 1,889 SH SOLE 0 1,889 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 1,292,913 23,903 SH SOLE 0 23,903 0 0
ISHARES TR GLB INFRASTR ETF 464288372 782,947 12,810 SH SOLE 0 12,810 0 0
ISHARES TR RESIDENTIAL MULT 464288562 305,892 3,600 SH SOLE 0 3,600 0 0
ISHARES TR MSCI INDIA ETF 46429B598 1,011,266 19,425 SH SOLE 0 19,425 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,221,029 11,435 SH SOLE 0 11,435 0 0
ISHARES TR IBOXX HI YD ETF 464288513 7,141,960 87,966 SH SOLE 0 87,966 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 4,263,029 80,389 SH SOLE 0 80,389 0 0
ISHARES TR CALIF MUN BD ETF 464288356 621,736 10,900 SH SOLE 0 10,900 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 537,216 12,800 SH SOLE 0 12,800 0 0
ISHARES TR CORE S&P MCP ETF 464287507 7,538,835 115,520 SH SOLE 0 115,520 0 0
ISHARES TR CORE S&P SCP ETF 464287804 6,668,264 56,116 SH SOLE 0 56,116 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,998,800 32,117 SH SOLE 0 32,117 0 0
ISHARES TR ULTRA SHORT DUR 46434V878 1,065,750 21,000 SH SOLE 0 21,000 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 981,920 9,500 SH SOLE 0 9,500 0 0
ISHARES TR MSCI CHINA ETF 46429B671 1,142,498 17,350 SH SOLE 0 17,350 0 0
JACOBS SOLUTIONS INC COM 46982L108 519,265 3,465 SH SOLE 0 3,465 0 0
JOHNSON & JOHNSON COM 478160104 780,433 4,209 SH SOLE 0 4,209 0 0
JOHNSON CTLS INTL PLC SHS G51502105 503,351 4,578 SH SOLE 0 4,578 0 0
JPMORGAN CHASE & CO. COM 46625H100 5,346,854 16,951 SH SOLE 0 16,951 0 0
KLA CORP COM NEW 482480100 2,106,506 1,953 SH SOLE 0 1,953 0 0
LOWES COS INC COM 548661107 3,068,495 12,210 SH SOLE 0 12,210 0 0
MARSH & MCLENNAN COS INC COM 571748102 912,326 4,527 SH SOLE 0 4,527 0 0
MASTERCARD INCORPORATED CL A 57636Q104 1,411,218 2,481 SH SOLE 0 2,481 0 0
MCDONALDS CORP COM 580135101 580,734 1,911 SH SOLE 0 1,911 0 0
MERCK & CO INC COM 58933Y105 482,849 5,753 SH SOLE 0 5,753 0 0
META PLATFORMS INC CL A 30303M102 3,375,210 4,596 SH SOLE 0 4,596 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 959,383 14,939 SH SOLE 0 14,939 0 0
MICROSOFT CORP COM 594918104 9,391,987 18,133 SH SOLE 0 18,133 0 0
MONDELEZ INTL INC CL A 609207105 854,152 13,673 SH SOLE 0 13,673 0 0
MOODYS CORP COM 615369105 343,066 720 SH SOLE 0 720 0 0
NETFLIX INC COM 64110L106 335,698 280 SH SOLE 0 280 0 0
NEXTERA ENERGY INC COM 65339F101 547,378 7,251 SH SOLE 0 7,251 0 0
NIKE INC CL B 654106103 209,190 3,000 SH SOLE 0 3,000 0 0
NORFOLK SOUTHN CORP COM 655844108 734,502 2,445 SH SOLE 0 2,445 0 0
NVIDIA CORPORATION COM 67066G104 9,618,759 51,553 SH SOLE 0 51,553 0 0
ORACLE CORP COM 68389X105 2,819,431 10,025 SH SOLE 0 10,025 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 218,904 1,200 SH SOLE 0 1,200 0 0
PALO ALTO NETWORKS INC COM 697435105 805,724 3,957 SH SOLE 0 3,957 0 0
PAYPAL HLDGS INC COM 70450Y103 477,803 7,125 SH SOLE 0 7,125 0 0
PEPSICO INC COM 713448108 731,131 5,206 SH SOLE 0 5,206 0 0
PFIZER INC COM 717081103 1,484,822 58,274 SH SOLE 0 58,274 0 0
PHILIP MORRIS INTL INC COM 718172109 304,125 1,875 SH SOLE 0 1,875 0 0
PROCTER AND GAMBLE CO COM 742718109 2,122,060 13,811 SH SOLE 0 13,811 0 0
PROLOGIS INC. COM 74340W103 578,326 5,050 SH SOLE 0 5,050 0 0
REDDIT INC CL A 75734B100 685,370 2,980 SH SOLE 0 2,980 0 0
RTX CORPORATION COM 75513E101 1,422,640 8,502 SH SOLE 0 8,502 0 0
SALESFORCE INC COM 79466L302 2,188,932 9,236 SH SOLE 0 9,236 0 0
SCHWAB CHARLES CORP COM 808513105 749,535 7,851 SH SOLE 0 7,851 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,718,833 105,750 SH SOLE 0 105,750 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 26,668,986 1,145,575 SH SOLE 0 1,145,575 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,163,163 113,375 SH SOLE 0 113,375 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 8,073,924 241,952 SH SOLE 0 241,952 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,630,965 88,764 SH SOLE 0 88,764 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 679,570 16,130 SH SOLE 0 16,130 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 2,217,070 18,730 SH SOLE 0 18,730 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 918,401 10,531 SH SOLE 0 10,531 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 988,087 11,025 SH SOLE 0 11,025 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,942,162 21,739 SH SOLE 0 21,739 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 2,343,979 43,512 SH SOLE 0 43,512 0 0
SELECT SECTOR SPDR TR INDL 81369Y704 2,110,946 13,687 SH SOLE 0 13,687 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 7,582,034 26,900 SH SOLE 0 26,900 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,228,030 15,670 SH SOLE 0 15,670 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 2,580,034 18,539 SH SOLE 0 18,539 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 2,999,326 12,516 SH SOLE 0 12,516 0 0
SERVICENOW INC COM 81762P102 334,982 364 SH SOLE 0 364 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 2,652,608 44,800 SH SOLE 0 44,800 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 11,836,784 276,625 SH SOLE 0 276,625 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 1,136,927 24,840 SH SOLE 0 24,840 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,191,697 110,910 SH SOLE 0 110,910 0 0
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855 244,957 3,520 SH SOLE 0 3,520 0 0
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672 1,182,010 40,900 SH SOLE 0 40,900 0 0
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 1,941,209 72,030 SH SOLE 0 72,030 0 0
SPDR SERIES TRUST PORT MTG BK ETF 78464A383 3,515,877 156,679 SH SOLE 0 156,679 0 0
SPDR SERIES TRUST PORTFOLIO LN COR 78464A367 1,057,740 45,750 SH SOLE 0 45,750 0 0
STARBUCKS CORP COM 855244109 208,962 2,470 SH SOLE 0 2,470 0 0
TAPESTRY INC COM 876030107 916,289 8,093 SH SOLE 0 8,093 0 0
TESLA INC COM 88160R101 931,688 2,095 SH SOLE 0 2,095 0 0
TJX COS INC NEW COM 872540109 1,777,553 12,298 SH SOLE 0 12,298 0 0
TRUIST FINL CORP COM 89832Q109 206,197 4,510 SH SOLE 0 4,510 0 0
UNION PAC CORP COM 907818108 257,643 1,090 SH SOLE 0 1,090 0 0
US BANCORP DEL COM NEW 902973304 287,322 5,945 SH SOLE 0 5,945 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,028,485 3,134 SH SOLE 0 3,134 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 517,072 5,656 SH SOLE 0 5,656 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 592,621 10,938 SH SOLE 0 10,938 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,082,505 29,179 SH SOLE 0 29,179 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 735,197 3,407 SH SOLE 0 3,407 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 262,611 2,001 SH SOLE 0 2,001 0 0
VANGUARD WORLD FD COMM SRVC ETF 92204A884 374,897 1,997 SH SOLE 0 1,997 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 408,407 547 SH SOLE 0 547 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 277,305 700 SH SOLE 0 700 0 0
VANGUARD WORLD FD MATERIALS ETF 92204A801 201,787 985 SH SOLE 0 985 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306 222,646 1,769 SH SOLE 0 1,769 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 290,510 6,610 SH SOLE 0 6,610 0 0
WALMART INC COM 931142103 2,003,383 19,439 SH SOLE 0 19,439 0 0
WELLS FARGO CO NEW COM 949746101 1,442,542 17,210 SH SOLE 0 17,210 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 366,617 3,722 SH SOLE 0 3,722 0 0