Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
SCHF	SCHWAB STRATEGIC TR	556,214	$19.36M	7.2%	$34.80 *	$15.96	+9.0%	INTL EQTY ETF	808524805
HYGV	FLEXSHARES TR	286,911	$11.69M	4.4%	$40.73	$45.89	-11.2%	HIG YLD VL ETF	33939L662
IEI	ISHARES TR	92,336	$10.86M	4.1%	$117.65	$120.57	-2.4%	3 7 YR TREAS BD	464288661
MBB	ISHARES TR	110,710	$10.49M	3.9%	$94.73	$99.36	-4.7%	MBS ETF	464288588
MBSD	FLEXSHARES TR	462,441	$9.55M	3.6%	$20.65	$22.82	-9.5%	DISCP DUR MBS	33939L779
SPDW	SPDR INDEX SHS FDS	288,655	$9.272M	3.5%	$32.12	$30.01	+7.0%	PORTFOLIO DEVLPD	78463X889
AAPL	APPLE INC	36,472	$6.014M	2.2%	$164.90	$90.46	+79.8%	COM	037833100
IJH	ISHARES TR	23,296	$5.828M	2.2%	$250.16 *	$28.37	+76.3%	CORE S&P MCP ETF	464287507
IJR	ISHARES TR	59,193	$5.724M	2.1%	$96.70	$64.83	+49.2%	CORE S&P SCP ETF	464287804
SKOR	FLEXSHARES TR	116,243	$5.513M	2.1%	$47.43	$52.31	-9.3%	CR SCD US BD	33939L761
SCHE	SCHWAB STRATEGIC TR	224,455	$5.504M	2.1%	$24.52	$26.21	-6.5%	EMRG MKTEQ ETF	808524706
GUNR	FLEXSHARES TR	125,415	$5.304M	2.0%	$42.29	$34.64	+22.1%	MORNSTAR UPSTR	33939L407
MSFT	MICROSOFT CORP	17,533	$5.055M	1.9%	$288.30 *	$51.49	+448.2%	COM	594918104
RAVI	FLEXSHARES TR	57,240	$4.282M	1.6%	$74.80	$75.46	-0.9%	READY ACC VARI	33939L886
XLK	SELECT SECTOR SPDR TR	27,199	$4.107M	1.5%	$151.01 *	$35.57	+112.3%	TECHNOLOGY	81369Y803
IEF	ISHARES TR	39,555	$3.921M	1.5%	$99.12	$105.41	-6.0%	7-10 YR TRSY BD	464287440
CVX	CHEVRON CORP NEW	23,944	$3.907M	1.5%	$163.16 *	$71.95	+101.7%	COM	166764100
TLT	ISHARES TR	35,720	$3.8M	1.4%	$106.37	$125.52	-15.3%	20 YR TR BD ETF	464287432
SPEM	SPDR INDEX SHS FDS	99,250	$3.387M	1.3%	$34.13	$35.63	-4.2%	PORTFOLIO EMG MK	78463X509
LOW	LOWES COS INC	16,531	$3.306M	1.2%	$199.97 *	$34.82	+443.9%	COM	548661107
XOM	EXXON MOBIL CORP	27,537	$3.02M	1.1%	$109.66 *	$56.37	+76.8%	COM	30231G102
MCHP	MICROCHIP TECHNOLOGY INC.	35,925	$3.01M	1.1%	$83.78 *	$47.62	+64.2%	COM	595017104
NFRA	FLEXSHARES TR	57,216	$2.972M	1.1%	$51.95	$52.58	-1.2%	STOXX GLOBR INF	33939L795
GQRE	FLEXSHARES TR	55,653	$2.95M	1.1%	$53.00	$57.24	-7.4%	GLB QLT R/E IDX	33939L787
SCHB	SCHWAB STRATEGIC TR	58,311	$2.79M	1.0%	$47.85 *	$13.48	+18.3%	US BRD MKT ETF	808524102
XLV	SELECT SECTOR SPDR TR	21,073	$2.728M	1.0%	$129.46	$90.62	+42.9%	SBI HEALTHCARE	81369Y209
IGSB	ISHARES TR	53,695	$2.714M	1.0%	$50.54	$50.99	-0.9%	ISHS 1-5YR INVS	464288646
PFE	PFIZER INC	63,768	$2.602M	1.0%	$40.80 *	$21.08	+64.2%	COM	717081103
PG	PROCTER AND GAMBLE CO	17,330	$2.577M	1.0%	$148.69 *	$55.67	+149.2%	COM	742718109
XLY	SELECT SECTOR SPDR TR	16,385	$2.45M	0.9%	$149.54 *	$41.28	+81.1%	SBI CONS DISCR	81369Y407
GOOGL	ALPHABET INC	23,517	$2.439M	0.9%	$103.73	$107.05	-3.8%	CAP STK CL A	02079K305
ABT	ABBOTT LABS	23,417	$2.371M	0.9%	$101.26 *	$37.89	+153.2%	COM	002824100
TDTT	FLEXSHARES TR	96,515	$2.333M	0.9%	$24.17	$25.37	-4.7%	IBOXX 3R TARGT	33939L506
EFA	ISHARES TR	32,252	$2.307M	0.9%	$71.52	$65.16	+9.8%	MSCI EAFE ETF	464287465
VEU	VANGUARD INTL EQUITY INDEX F	41,359	$2.211M	0.8%	$53.47	$48.62	+10.0%	ALLWRLD EX US	922042775
JPM	JPMORGAN CHASE & CO	16,661	$2.171M	0.8%	$130.31 *	$85.82	+42.1%	COM	46625H100
CRM	SALESFORCE INC	10,526	$2.103M	0.8%	$199.78	$72.34	+172.8%	COM	79466L302
CAT	CATERPILLAR INC	8,547	$1.956M	0.7%	$228.84 *	$90.07	+142.6%	COM	149123101
XLE	SELECT SECTOR SPDR TR	23,589	$1.954M	0.7%	$82.83 *	$22.20	+86.5%	ENERGY	81369Y506
KO	COCA COLA CO	30,947	$1.92M	0.7%	$62.03 *	$28.16	+102.8%	COM	191216100
IGLB	ISHARES TR	34,170	$1.79M	0.7%	$52.39	$53.65	-2.4%	10+ YR INVST GRD	464289511
NVDA	NVIDIA CORPORATION	6,210	$1.725M	0.6%	$277.77 *	$19.87	+39.7%	COM	67066G104
DIS	DISNEY WALT CO	16,906	$1.693M	0.6%	$100.13 *	$70.24	+39.3%	COM	254687106
ICE	INTERCONTINENTAL EXCHANGE IN	16,168	$1.686M	0.6%	$104.29 *	$49.34	+104.2%	COM	45866F104
SUB	ISHARES TR	15,723	$1.646M	0.6%	$104.68	$106.12	-1.4%	SHRT NAT MUN ETF	464288158
XLI	SELECT SECTOR SPDR TR	16,146	$1.634M	0.6%	$101.18	$63.67	+58.9%	SBI INT-INDS	81369Y704
SPTL	SPDR SER TR	47,775	$1.475M	0.6%	$30.88	$35.22	-12.3%	PORTFOLIO LN TSR	78464A664
CMF	ISHARES TR	25,625	$1.471M	0.6%	$57.42	$59.60	-3.7%	CALIF MUN BD ETF	464288356
AMZN	AMAZON COM INC	13,845	$1.43M	0.5%	$103.29	$119.34	-13.5%	COM	023135106
AXP	AMERICAN EXPRESS CO	8,380	$1.382M	0.5%	$164.95 *	$63.59	+150.2%	COM	025816109
XLF	SELECT SECTOR SPDR TR	41,307	$1.328M	0.5%	$32.15	$27.39	+17.4%	FINANCIAL	81369Y605
ABBV	ABBVIE INC	7,764	$1.237M	0.5%	$159.37 *	$63.49	+127.0%	COM	00287Y109
DHR	DANAHER CORPORATION	4,880	$1.23M	0.5%	$252.04 *	$46.06	+378.4%	COM	235851102
LLY	LILLY ELI & CO	3,571	$1.226M	0.5%	$343.42 *	$115.08	+192.4%	COM	532457108
XLP	SELECT SECTOR SPDR TR	16,176	$1.208M	0.5%	$74.71	$48.79	+53.1%	SBI CONS STPLS	81369Y308
PEP	PEPSICO INC	6,584	$1.2M	0.4%	$182.30 *	$63.04	+163.7%	COM	713448108
WMT	WALMART INC	8,107	$1.195M	0.4%	$147.45 *	$19.90	+139.1%	COM	931142103
DLTR	DOLLAR TREE INC	8,248	$1.184M	0.4%	$143.55	$89.35	+60.7%	COM	256746108
TJX	TJX COS INC NEW	15,055	$1.18M	0.4%	$78.36 *	$46.94	+60.7%	COM	872540109
XLB	SELECT SECTOR SPDR TR	14,606	$1.178M	0.4%	$80.66 *	$24.79	+62.7%	SBI MATERIALS	81369Y100
KLAC	KLA CORP	2,883	$1.151M	0.4%	$399.17 *	$108.03	+260.0%	COM NEW	482480100
SCHM	SCHWAB STRATEGIC TR	16,663	$1.131M	0.4%	$67.85 *	$22.49	+0.6%	US MID-CAP ETF	808524508
ORCL	ORACLE CORP	12,062	$1.121M	0.4%	$92.92 *	$58.90	+52.6%	COM	68389X105
META	META PLATFORMS INC	5,226	$1.108M	0.4%	$211.94	$177.06	+18.9%	CL A	30303M102
VWO	VANGUARD INTL EQUITY INDEX F	27,345	$1.105M	0.4%	$40.40	$40.75	-0.9%	FTSE EMR MKT ETF	922042858
XLC	SELECT SECTOR SPDR TR	19,042	$1.104M	0.4%	$57.97	$53.53	+8.3%	COMMUNICATION	81369Y852
GNR	SPDR INDEX SHS FDS	18,980	$1.084M	0.4%	$57.09	$39.98	+42.8%	GLB NAT RESRCE	78463X541
SCHA	SCHWAB STRATEGIC TR	25,424	$1.066M	0.4%	$41.93 *	$21.92	-4.4%	US SML CAP ETF	808524607
ADP	AUTOMATIC DATA PROCESSING IN	4,771	$1.062M	0.4%	$222.63 *	$79.47	+163.7%	COM	053015103
ALL	ALLSTATE CORP	9,012	$999K	0.4%	$110.81 *	$58.29	+78.4%	COM	020002101
ICSH	ISHARES TR	19,500	$980K	0.4%	$50.25	$50.12	+0.3%	BLACKROCK ULTRA	46434V878
CVS	CVS HEALTH CORP	13,137	$976K	0.4%	$74.31 *	$49.64	+34.4%	COM	126650100
MDLZ	MONDELEZ INTL INC	13,726	$957K	0.4%	$69.72 *	$35.68	+81.3%	CL A	609207105
MRSH	MARSH & MCLENNAN COS INC	5,689	$948K	0.4%	$166.55 *	$96.58	+65.5%	COM	571748102
VGT	VANGUARD WORLD FDS	2,446	$943K	0.4%	$385.47 *	$25.54	+88.7%	INF TECH ETF	92204A702
HD	HOME DEPOT INC	3,160	$933K	0.3%	$295.12 *	$96.45	+185.6%	COM	437076102
BRK/B	BERKSHIRE HATHAWAY INC DEL	2,914	$900K	0.3%	$308.77	$172.89	+78.6%	CL B NEW	084670702
XLU	SELECT SECTOR SPDR TR	13,051	$883K	0.3%	$67.69 *	$22.81	+48.4%	SBI INT-UTILS	81369Y886
CME	CME GROUP INC	4,585	$878K	0.3%	$191.52 *	$50.57	+240.7%	COM	12572Q105
XLRE	SELECT SECTOR SPDR TR	22,447	$839K	0.3%	$37.38	$32.21	+16.1%	RL EST SEL SEC	81369Y860
BA	BOEING CO	3,884	$825K	0.3%	$212.43	$256.34	-17.1%	COM	097023105
IGIB	ISHARES TR	16,045	$823K	0.3%	$51.28	$54.73	-6.3%	ISHS 5-10YR INVT	464288638
VTI	VANGUARD INDEX FDS	4,002	$817K	0.3%	$204.10	$129.33	+57.8%	TOTAL STK MKT	922908769
ZBH	ZIMMER BIOMET HOLDINGS INC	5,911	$764K	0.3%	$129.20 *	$111.73	+12.9%	COM	98956P102
MA	MASTERCARD INCORPORATED	2,070	$752K	0.3%	$363.41	$327.17	+9.3%	CL A	57636Q104
AMT	AMERICAN TOWER CORP NEW	3,679	$752K	0.3%	$204.34 *	$122.22	+51.1%	COM	03027X100
ADBE	ADOBE SYSTEMS INCORPORATED	1,930	$744K	0.3%	$385.37	$405.13	-4.9%	COM	00724F101
WFC	WELLS FARGO CO NEW	18,700	$699K	0.3%	$37.38 *	$29.49	+17.9%	COM	949746101
EL	LAUDER ESTEE COS INC	2,827	$697K	0.3%	$246.46 *	$179.49	+30.3%	CL A	518439104
IBM	INTERNATIONAL BUSINESS MACHS	5,120	$671K	0.3%	$131.09 *	$114.15	+4.2%	COM	459200101
PLD	PROLOGIS INC.	5,325	$664K	0.2%	$124.77 *	$57.67	+98.2%	COM	74340W103
MRK	MERCK & CO INC	6,233	$663K	0.2%	$106.39 *	$60.29	+62.2%	COM	58933Y105
TPR	TAPESTRY INC	14,328	$618K	0.2%	$43.11 *	$22.01	+81.9%	COM	876030107
NEE	NEXTERA ENERGY INC	7,890	$608K	0.2%	$77.08 *	$61.23	+16.1%	COM	65339F101
CMCSA	COMCAST CORP NEW	15,999	$607K	0.2%	$37.91 *	$36.87	-5.8%	CL A	20030N101
VIG	VANGUARD SPECIALIZED FUNDS	3,822	$589K	0.2%	$154.01	$83.74	+83.9%	DIV APP ETF	921908844
JNJ	JOHNSON & JOHNSON	3,715	$576K	0.2%	$155.00 *	$61.40	+132.1%	COM	478160104
CSCO	CISCO SYS INC	10,465	$547K	0.2%	$52.28 *	$41.47	+15.8%	COM	17275R102
HON	HONEYWELL INTL INC	2,784	$532K	0.2%	$191.12 *	$141.48	+20.0%	COM	438516106
CMG	CHIPOTLE MEXICAN GRILL INC	307	$524K	0.2%	$1708.29 *	$28.65	+19.3%	COM	169656105
MCD	MCDONALDS CORP	1,866	$522K	0.2%	$279.61 *	$100.03	+162.3%	COM	580135101
D	DOMINION ENERGY INC	9,262	$518K	0.2%	$55.91 *	$53.89	-9.6%	COM	25746U109
ADI	ANALOG DEVICES INC	2,611	$515K	0.2%	$197.22 *	$150.06	+25.3%	COM	032654105
VNQ	VANGUARD INDEX FDS	6,060	$503K	0.2%	$83.04	$72.93	+13.9%	REAL ESTATE ETF	922908553
BX	BLACKSTONE INC	5,581	$490K	0.2%	$87.84 *	$96.97	-16.5%	COM	09260D107
SPTI	SPDR SER TR	16,750	$485K	0.2%	$28.94	$30.33	-4.6%	PORTFLI INTRMDIT	78464A672
—	ACTIVISION BLIZZARD INC	5,594	$479K	0.2%	$85.59	$85.82	—	COM	00507V109
—	BLACKROCK INC	707	$473K	0.2%	$669.12	$741.49	—	COM	09247X101
EEM	ISHARES TR	11,933	$471K	0.2%	$39.46	$43.28	-8.8%	MSCI EMG MKT ETF	464287234
J	JACOBS SOLUTIONS INC	3,950	$464K	0.2%	$117.51 *	$95.66	-0.8%	COM	46982L108
NSC	NORFOLK SOUTHN CORP	2,036	$432K	0.2%	$212.00 *	$168.47	+18.1%	COM	655844108
INTC	INTEL CORP	12,905	$422K	0.2%	$32.67 *	$31.11	+2.5%	COM	458140100
SCHW	SCHWAB CHARLES CORP	7,982	$418K	0.2%	$52.38 *	$70.22	-28.4%	COM	808513105
RTX	RAYTHEON TECHNOLOGIES CORP	4,165	$408K	0.2%	$97.93 *	$53.70	+71.4%	COM	75513E101
COST	COSTCO WHSL CORP NEW	816	$405K	0.2%	$496.87 *	$485.69	-1.6%	COM	22160K105
FCX	FREEPORT-MCMORAN INC	9,710	$397K	0.1%	$40.91 *	$29.35	+34.0%	CL B	35671D857
HYG	ISHARES TR	5,240	$396K	0.1%	$75.55	$74.91	+0.9%	IBOXX HI YD ETF	464288513
VZ	VERIZON COMMUNICATIONS INC	9,301	$362K	0.1%	$38.89 *	$38.52	-16.2%	COM	92343V104
FTV	FORTIVE CORP	5,255	$358K	0.1%	$68.17 *	$33.58	+51.2%	COM	34959J108
TFC	TRUIST FINL CORP	10,505	$358K	0.1%	$34.10 *	$39.58	-26.0%	COM	89832Q109
BIIB	BIOGEN INC	1,288	$358K	0.1%	$278.03	$204.79	+35.8%	COM	09062X103
BMO	BANK MONTREAL QUE	4,000	$356K	0.1%	$89.11 *	$49.92	+58.3%	COM	063671101
DE	DEERE & CO	831	$343K	0.1%	$412.88 *	$389.57	+1.9%	COM	244199105
SBUX	STARBUCKS CORP	3,276	$341K	0.1%	$104.13 *	$51.60	+88.6%	COM	855244109
T	AT&T INC	17,426	$335K	0.1%	$19.25 *	$16.36	+0.8%	COM	00206R102
GSK	GSK PLC	9,423	$335K	0.1%	$35.58	$33.75	+5.4%	SPONSORED ADR	37733W204
PANW	PALO ALTO NETWORKS INC	1,611	$322K	0.1%	$199.74 *	$86.97	+14.8%	COM	697435105
AMD	ADVANCED MICRO DEVICES INC	3,205	$314K	0.1%	$98.01	$81.38	+20.4%	COM	007903107
HAL	HALLIBURTON CO	9,868	$312K	0.1%	$31.64 *	$16.09	+84.5%	COM	406216101
VMBS	VANGUARD SCOTTSDALE FDS	6,700	$312K	0.1%	$46.55	$51.33	-9.3%	MTG-BKD SECS ETF	92206C771
MCHI	ISHARES TR	6,200	$309K	0.1%	$49.89	$50.88	-1.9%	MSCI CHINA ETF	46429B671
CDW	CDW CORP	1,585	$309K	0.1%	$194.89 *	$161.58	+16.4%	COM	12514G108
MCO	MOODYS CORP	1,000	$306K	0.1%	$306.02 *	$98.85	+202.7%	COM	615369105
UPS	UNITED PARCEL SERVICE INC	1,551	$301K	0.1%	$193.99 *	$75.84	+121.5%	CL B	911312106
USB	US BANCORP DEL	8,283	$299K	0.1%	$36.05 *	$22.44	+41.2%	COM NEW	902973304
TSLA	TESLA INC	1,425	$296K	0.1%	$207.46	$174.45	+18.9%	COM	88160R101
LKOR	FLEXSHARES TR	6,600	$293K	0.1%	$44.36	$52.18	—	CR SCORED LONG	33939L753
COR	AMERISOURCEBERGEN CORP	1,752	$281K	0.1%	$160.11 *	$139.82	+11.7%	COM	03073E105
UNP	UNION PAC CORP	1,343	$270K	0.1%	$201.26 *	$92.85	+103.4%	COM	907818108
VOX	VANGUARD WORLD FDS	2,781	$269K	0.1%	$96.67	$96.70	-0.0%	COMM SRVC ETF	92204A884
MMM	3M CO	2,497	$262K	0.1%	$105.11 *	$127.87	-37.7%	COM	88579Y101
REZ	ISHARES TR	3,600	$254K	0.1%	$70.62	$58.74	+20.2%	RESIDENTIAL MULT	464288562
GOOG	ALPHABET INC	2,420	$252K	0.1%	$104.00	$95.84	+7.7%	CAP STK CL C	02079K107
MUB	ISHARES TR	2,300	$248K	0.1%	$107.74	$112.01	-3.8%	NATIONAL MUN ETF	464288414
NKE	NIKE INC	2,013	$247K	0.1%	$122.64 *	$96.66	+20.7%	CL B	654106103
JCI	JOHNSON CTLS INTL PLC	4,085	$246K	0.1%	$60.22 *	$57.91	-0.9%	SHS	G51502105
BMY	BRISTOL-MYERS SQUIBB CO	3,488	$242K	0.1%	$69.30 *	$38.55	+56.8%	COM	110122108
GWW	GRAINGER W W INC	346	$238K	0.1%	$688.81 *	$621.54	+8.1%	COM	384802104
TGT	TARGET CORP	1,431	$237K	0.1%	$165.66 *	$148.63	+1.0%	COM	87612E106
DUK	DUKE ENERGY CORP NEW	2,400	$232K	0.1%	$96.47 *	$51.19	+69.1%	COM NEW	26441C204
TROW	PRICE T ROWE GROUP INC	1,981	$224K	0.1%	$112.90 *	$73.87	+34.3%	COM	74144T108
NUE	NUCOR CORP	1,434	$222K	0.1%	$154.47 *	$152.30	-2.6%	COM	670346105
—	LINDE PLC	611	$217K	0.1%	$355.44	$355.44	—	SHS	G5494J103
VCR	VANGUARD WORLD FDS	849	$214K	0.1%	$252.55	$243.55	+3.7%	CONSUM DIS ETF	92204A108
STM	STMICROELECTRONICS N V	3,944	$211K	0.1%	$53.49	$46.65	+14.7%	NY REGISTRY	861012102
APD	AIR PRODS & CHEMS INC	727	$209K	0.1%	$287.21 *	$260.40	+2.7%	COM	009158106
VDE	VANGUARD WORLD FDS	1,825	$208K	0.1%	$114.23	$121.52	-6.0%	ENERGY ETF	92204A306
GIS	GENERAL MLS INC	2,365	$202K	0.1%	$85.46 *	$71.95	+7.1%	COM	370334104
LYG	LLOYDS BANKING GROUP PLC	10,228	$23,729	0.0%	$2.32	$2.42	-4.1%	SPONSORED ADR	539439109