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
ADVANCED MICRO DEVICES INC COM 007903107 493,193 849 SH SOLE 0 0 849
AGILENT TECHNOLOGIES INC COM 00846U101 2,416,443 18,192 SH SOLE 0 0 18,192
ALPHABET INC CAP STK CL C 02079K107 12,699,034 35,941 SH SOLE 0 0 35,941
ALPHABET INC CAP STK CL A 02079K305 1,435,913 4,018 SH SOLE 0 0 4,018
AMAZON COM INC COM 023135106 449,271 1,885 SH SOLE 0 0 1,885
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 5,329,849 51,721 SH SOLE 0 0 51,721
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364 245,576 3,172 SH SOLE 0 0 3,172
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 3,009,523 31,190 SH SOLE 0 0 31,190
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 4,297,542 47,117 SH SOLE 0 0 47,117
AMERICAN CENTY ETF TR US SML CP VALU 025072877 5,474,095 43,877 SH SOLE 0 0 43,877
AMERICAN EXPRESS CO COM 025816109 4,532,888 13,401 SH SOLE 0 0 13,401
AMGEN INC COM 031162100 823,748 2,275 SH SOLE 0 0 2,275
AMPHENOL CORP CL A 032095101 5,779,064 32,776 SH SOLE 0 0 32,776
APOLLO GLOBAL MGMT INC COM 03769M106 414,085 3,500 SH SOLE 0 0 3,500
APPLE INC COM 037833100 5,196,327 17,958 SH SOLE 0 0 17,958
APPLIED MATLS INC COM 038222105 867,600 1,200 SH SOLE 0 0 1,200
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101 345,061 3,100 SH SOLE 0 0 3,100
BANK OF AMER CORP COM 060505104 729,344 12,800 SH SOLE 0 0 12,800
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 416,825 833 SH SOLE 0 0 833
BLACKROCK ETF TRUST II ISHA SH TERM ETF 092528884 248,430 4,916 SH SOLE 0 0 4,916
BOEING CO COM 097023105 400,470 1,850 SH SOLE 0 0 1,850
BRISTOL-MYERS SQUIBB CO COM 110122108 1,429,437 24,808 SH SOLE 0 0 24,808
CATERPILLAR INC COM 149123101 6,077,384 5,707 SH SOLE 0 0 5,707
CISCO SYS INC COM 17275R102 469,840 4,000 SH SOLE 0 0 4,000
COCA COLA CO COM 191216100 834,399 10,267 SH SOLE 0 0 10,267
COLGATE PALMOLIVE CO COM 194162103 285,260 3,111 SH SOLE 0 0 3,111
CUMMINS INC COM 231021106 5,669,306 7,949 SH SOLE 0 0 7,949
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 10,814,858 200,201 SH SOLE 0 0 200,201
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 1,641,897 37,013 SH SOLE 0 0 37,013
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 312,221 7,569 SH SOLE 0 0 7,569
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 974,825 13,946 SH SOLE 0 0 13,946
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 2,435,018 44,265 SH SOLE 0 0 44,265
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 554,725 6,737 SH SOLE 0 0 6,737
DISNEY WALT CO COM 254687106 624,181 6,485 SH SOLE 0 0 6,485
EATON CORP PLC SHS G29183103 377,116 885 SH SOLE 0 0 885
ECOLAB INC COM 278865100 3,219,339 11,555 SH SOLE 0 0 11,555
ELI LILLY & CO COM 532457108 4,162,022 3,470 SH SOLE 0 0 3,470
EXXON MOBIL CORP COM 30231G102 729,675 5,337 SH SOLE 0 0 5,337
GE AEROSPACE COM NEW 369604301 211,253 565 SH SOLE 0 0 565
GILEAD SCIENCES INC COM 375558103 3,874,721 30,669 SH SOLE 0 0 30,669
HOME DEPOT INC COM 437076102 1,665,355 4,722 SH SOLE 0 0 4,722
HOWMET AEROSPACE INC COM 443201108 262,139 975 SH SOLE 0 0 975
INTEL CORP COM 458140100 365,831 2,620 SH SOLE 0 0 2,620
INTERNATIONAL BUSINESS MACHS COM 459200101 420,690 1,496 SH SOLE 0 0 1,496
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 204,865 18,899 SH SOLE 0 0 18,899
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 6,730,341 31,632 SH SOLE 0 0 31,632
INVESCO QQQ TR UNIT SER 1 46090E103 989,722 1,344 SH SOLE 0 0 1,344
ISHARES GOLD TR ISHARES NEW 464285204 374,530 4,960 SH SOLE 0 0 4,960
ISHARES INC CORE MSCI EMKT 46434G103 5,740,563 69,297 SH SOLE 0 0 69,297
ISHARES INC MSCI EURZONE ETF 464286608 298,850 4,300 SH SOLE 0 0 4,300
ISHARES TR CORE S&P SCP ETF 464287804 4,798,125 32,352 SH SOLE 0 0 32,352
ISHARES TR EXPANDED TECH 464287515 2,085,521 23,019 SH SOLE 0 0 23,019
ISHARES TR 0-5 YR TIPS ETF 46429B747 4,956,905 48,521 SH SOLE 0 0 48,521
ISHARES TR CORE S&P500 ETF 464287200 8,184,092 10,928 SH SOLE 0 0 10,928
ISHARES TR EAFE GRWTH ETF 464288885 2,761,253 22,193 SH SOLE 0 0 22,193
ISHARES TR HDG MSCI EAFE 46434V803 466,200 9,935 SH SOLE 0 0 9,935
ISHARES TR CORE MSCI EAFE 46432F842 1,956,807 20,261 SH SOLE 0 0 20,261
ISHARES TR CORE 1 5 YR USD 46432F859 781,650 16,200 SH SOLE 0 0 16,200
ISHARES TR IBOXX HI YD ETF 464288513 1,491,441 18,650 SH SOLE 0 0 18,650
ISHARES TR CORE S&P TTL STK 464287150 643,117 3,915 SH SOLE 0 0 3,915
ISHARES TR SHRT NAT MUN ETF 464288158 2,545,165 23,905 SH SOLE 0 0 23,905
ISHARES TR PFD AND INCM SEC 464288687 259,013 8,495 SH SOLE 0 0 8,495
ISHARES TR EAFE SML CP ETF 464288273 286,546 3,483 SH SOLE 0 0 3,483
ISHARES TR NATIONAL MUN ETF 464288414 751,295 6,981 SH SOLE 0 0 6,981
ISHARES TR RUS 1000 GRW ETF 464287614 702,802 5,660 SH SOLE 0 0 5,660
ISHARES TR S&P 500 GRWT ETF 464287309 508,586 3,698 SH SOLE 0 0 3,698
ISHARES TR S&P 500 VAL ETF 464287408 468,879 2,065 SH SOLE 0 0 2,065
ISHARES TR CORE S&P US GWT 464287671 688,597 3,661 SH SOLE 0 0 3,661
ISHARES TR RUS 1000 VAL ETF 464287598 263,279 1,086 SH SOLE 0 0 1,086
ISHARES TR RUS 1000 ETF 464287622 322,686 788 SH SOLE 0 0 788
ISHARES TR RUSSELL 2000 ETF 464287655 653,779 2,176 SH SOLE 0 0 2,176
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 344,887 6,820 SH SOLE 0 0 6,820
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 266,243 5,256 SH SOLE 0 0 5,256
JOHNSON & JOHNSON COM 478160104 1,041,277 4,100 SH SOLE 0 0 4,100
JPMORGAN CHASE & CO COM 46625H100 8,894,980 27,174 SH SOLE 0 0 27,174
LINDE PLC SHS G54950103 4,290,077 8,267 SH SOLE 0 0 8,267
LOWES COS INC COM 548661107 2,426,713 11,006 SH SOLE 0 0 11,006
MARRIOTT INTL INC NEW CL A 571903202 382,449 1,032 SH SOLE 0 0 1,032
MCDONALDS CORP COM 580135101 324,372 1,200 SH SOLE 0 0 1,200
MERCK & CO INC COM 58933Y105 2,239,241 17,426 SH SOLE 0 0 17,426
MICROSOFT CORP COM 594918104 23,083,070 61,882 SH SOLE 0 0 61,882
NEXTERA ENERGY INC COM 65339F101 2,544,979 28,996 SH SOLE 0 0 28,996
NVIDIA CORPORATION COM 67066G104 446,201 2,230 SH SOLE 0 0 2,230
ORACLE CORP COM 68389X105 448,269 3,059 SH SOLE 0 0 3,059
PEPSICO INC COM 713448108 2,575,037 19,018 SH SOLE 0 0 19,018
PROCTER & GAMBLE CO COM 742718109 473,940 3,232 SH SOLE 0 0 3,232
QUALCOMM INC COM 747525103 3,928,451 21,259 SH SOLE 0 0 21,259
ROYAL CARIBBEAN GROUP COM V7780T103 547,739 1,725 SH SOLE 0 0 1,725
SCHWAB CHARLES CORP COM 808513105 1,005,743 10,900 SH SOLE 0 0 10,900
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,793,280 58,048 SH SOLE 0 0 58,048
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 212,644 4,379 SH SOLE 0 0 4,379
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 633,037 21,859 SH SOLE 0 0 21,859
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 868,166 16,455 SH SOLE 0 0 16,455
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 438,258 12,590 SH SOLE 0 0 12,590
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 621,510 17,202 SH SOLE 0 0 17,202
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 269,049 7,420 SH SOLE 0 0 7,420
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 834,933 30,142 SH SOLE 0 0 30,142
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 211,966 5,749 SH SOLE 0 0 5,749
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,904,896 64,726 SH SOLE 0 0 64,726
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 398,119 12,555 SH SOLE 0 0 12,555
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 215,119 6,917 SH SOLE 0 0 6,917
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 733,617 21,679 SH SOLE 0 0 21,679
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 467,254 2,945 SH SOLE 0 0 2,945
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 357,606 1,877 SH SOLE 0 0 1,877
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 1,133,273 24,995 SH SOLE 0 0 24,995
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 361,199 1,950 SH SOLE 0 0 1,950
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 852,551 16,919 SH SOLE 0 0 16,919
SPDR SERIES TRUST ST STR P500ETF 78464A854 14,253,345 162,191 SH SOLE 0 0 162,191
SPDR SERIES TRUST ST STR P500GRW 78464A409 7,280,998 61,190 SH SOLE 0 0 61,190
SPDR SERIES TRUST ST STR P500VAL 78464A508 9,246,532 152,106 SH SOLE 0 0 152,106
SPDR SERIES TRUST ST STR SP600 SML 78468R853 2,420,468 41,971 SH SOLE 0 0 41,971
SPDR SERIES TRUST ST SHOR CORP ETF 78464A474 2,167,082 72,212 SH SOLE 0 0 72,212
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,128,966 4,190 SH SOLE 0 0 4,190
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 625,973 890 SH SOLE 0 0 890
STRYKER CORPORATION COM 863667101 3,163,197 10,047 SH SOLE 0 0 10,047
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 7,621,062 15,958 SH SOLE 0 0 15,958
TESLA INC COM 88160R101 1,196,186 2,844 SH SOLE 0 0 2,844
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209 350,150 10,335 SH SOLE 0 0 10,335
TRUIST FINL CORP COM 89832Q109 274,010 5,500 SH SOLE 0 0 5,500
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 430,953 3,673 SH SOLE 0 0 3,673
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 311,278 1,420 SH SOLE 0 0 1,420
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 12,761,970 163,804 SH SOLE 0 0 163,804
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 602,493 5,989 SH SOLE 0 0 5,989
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,864,417 20,019 SH SOLE 0 0 20,019
VANGUARD INDEX FDS VALUE ETF 922908744 19,212,927 88,161 SH SOLE 0 0 88,161
VANGUARD INDEX FDS MID CAP ETF 922908629 2,220,429 27,559 SH SOLE 0 0 27,559
VANGUARD INDEX FDS GROWTH ETF 922908736 7,387,366 85,760 SH SOLE 0 0 85,760
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 901,095 1,312 SH SOLE 0 0 1,312
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,172,144 13,764 SH SOLE 0 0 13,764
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,577,547 9,668 SH SOLE 0 0 9,668
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,649,483 7,704 SH SOLE 0 0 7,704
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,096,705 51,880 SH SOLE 0 0 51,880
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 398,231 4,755 SH SOLE 0 0 4,755
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,752,294 34,644 SH SOLE 0 0 34,644
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 8,272,356 100,089 SH SOLE 0 0 100,089
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 17,645,976 223,282 SH SOLE 0 0 223,282
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 8,780,475 128,126 SH SOLE 0 0 128,126
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 631,539 2,669 SH SOLE 0 0 2,669
VANGUARD STAR FDS VG TL INTL STK F 921909768 213,298 2,495 SH SOLE 0 0 2,495
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 16,215,662 227,588 SH SOLE 0 0 227,588
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 534,512 5,276 SH SOLE 0 0 5,276
VANGUARD WORLD FD INF TECH ETF 92204A702 239,040 2,000 SH SOLE 0 0 2,000
VISA INC COM CL A 92826C839 2,622,237 7,643 SH SOLE 0 0 7,643
WALMART INC COM 931142103 1,305,888 11,530 SH SOLE 0 0 11,530