Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHF	SCHWAB STRATEGIC TR	1,185,387	$21.93M	6.7%	$25.32	—	INTL EQTY ETF	808524805
TDTT	FLEXSHARES TR	565,629	$13.34M	4.1%	$23.78	—	IBOXX 3R TARGT	33939L506
HYGV	FLEXSHARES TR	323,006	$13.14M	4.0%	$44.00	—	HIG YLD VL ETF	33939L662
MBB	ISHARES TR	137,122	$12.57M	3.8%	$96.75	—	MBS ETF	464288588
IEI	ISHARES TR	97,629	$11.28M	3.4%	$117.61	—	3 7 YR TREAS BD	464288661
SPDW	SPDR INDEX SHS FDS	288,560	$9.849M	3.0%	$27.77	—	PORTFOLIO DEVLPD	78463X889
MBSD	FLEXSHARES TR	411,523	$8.327M	2.5%	$22.32	—	DISCP DUR MBS	33939L779
AAPL	APPLE INC	31,858	$7.978M	2.4%	$97.81	+139.8%	COM	037833100
IJH	ISHARES TR	113,345	$7.063M	2.2%	$76.25	—	CORE S&P MCP ETF	464287507
MSFT	MICROSOFT CORP	16,254	$6.851M	2.1%	$57.99	+628.3%	COM	594918104
IJR	ISHARES TR	56,046	$6.458M	2.0%	$81.50	—	CORE S&P SCP ETF	464287804
GUNR	FLEXSHARES TR	175,902	$6.396M	1.9%	$35.95	—	MORNSTAR UPSTR	33939L407
NVDA	NVIDIA CORPORATION	47,450	$6.372M	1.9%	$94.56	+45.7%	COM	67066G104
SCHE	SCHWAB STRATEGIC TR	238,329	$6.347M	1.9%	$25.35	—	EMRG MKTEQ ETF	808524706
SHY	ISHARES TR	72,452	$5.94M	1.8%	$82.07	—	1 3 YR TREAS BD	464287457
XLK	SELECT SECTOR SPDR TR	24,322	$5.655M	1.7%	$69.25	—	TECHNOLOGY	81369Y803
HYG	ISHARES TR	66,435	$5.225M	1.6%	$77.65	—	IBOXX HI YD ETF	464288513
GOOGL	ALPHABET INC	23,593	$4.466M	1.4%	$111.81	+55.8%	CAP STK CL A	02079K305
SPEM	SPDR INDEX SHS FDS	111,395	$4.274M	1.3%	$34.38	—	PORTFOLIO EMG MK	78463X509
NFRA	FLEXSHARES TR	78,497	$4.256M	1.3%	$52.41	—	STOXX GLOBR INF	33939L795
SKOR	FLEXSHARES TR	88,571	$4.225M	1.3%	$51.97	—	CR SCD US BD	33939L761
GQRE	FLEXSHARES TR	71,954	$4.1M	1.2%	$55.72	—	GLB QLT R/E IDX	33939L787
IGSB	ISHARES TR	78,546	$4.061M	1.2%	$50.96	—	ISHS 1-5YR INVS	464288646
JPM	JPMORGAN CHASE & CO.	14,450	$3.464M	1.1%	$85.82	+165.7%	COM	46625H100
AMZN	AMAZON COM INC	15,042	$3.3M	1.0%	$125.65	+62.8%	COM	023135106
CVX	CHEVRON CORP NEW	22,665	$3.283M	1.0%	$71.95	+102.2%	COM	166764100
IEF	ISHARES TR	35,144	$3.249M	1.0%	$102.51	—	7-10 YR TRSY BD	464287440
CRM	SALESFORCE INC	9,448	$3.159M	1.0%	$72.34	+337.9%	COM	79466L302
LOW	LOWES COS INC	12,770	$3.152M	1.0%	$34.82	+651.0%	COM	548661107
CAT	CATERPILLAR INC	8,235	$2.987M	0.9%	$90.07	+323.8%	COM	149123101
GNR	SPDR INDEX SHS FDS	59,236	$2.948M	0.9%	$49.07	—	GLB NAT RESRCE	78463X541
XOM	EXXON MOBIL CORP	25,205	$2.711M	0.8%	$56.37	+99.3%	COM	30231G102
XLY	SELECT SECTOR SPDR TR	12,070	$2.708M	0.8%	$84.29	—	SBI CONS DISCR	81369Y407
XLV	SELECT SECTOR SPDR TR	18,221	$2.507M	0.8%	$89.76	—	SBI HEALTHCARE	81369Y209
META	META PLATFORMS INC	4,245	$2.485M	0.8%	$182.73	+220.0%	CL A	30303M102
ABT	ABBOTT LABS	21,940	$2.482M	0.8%	$37.89	+199.1%	COM	002824100
SCHB	SCHWAB STRATEGIC TR	108,924	$2.473M	0.8%	$34.31	—	US BRD MKT ETF	808524102
EFA	ISHARES TR	32,504	$2.458M	0.7%	$64.30	—	MSCI EAFE ETF	464287465
PG	PROCTER AND GAMBLE CO	14,185	$2.378M	0.7%	$55.67	+197.7%	COM	742718109
SCHA	SCHWAB STRATEGIC TR	87,446	$2.261M	0.7%	$38.09	—	US SML CAP ETF	808524607
AXP	AMERICAN EXPRESS CO	7,343	$2.179M	0.7%	$63.59	+346.0%	COM	025816109
SPMB	SPDR SER TR	98,588	$2.125M	0.6%	$21.73	—	PORT MTG BK ETF	78464A383
RAVI	FLEXSHARES TR	27,290	$2.051M	0.6%	$75.43	—	FLEXSHARES ULTRA	33939L886
SCHM	SCHWAB STRATEGIC TR	73,294	$2.031M	0.6%	$41.71	—	US MID-CAP ETF	808524508
ICE	INTERCONTINENTAL EXCHANGE IN	13,507	$2.013M	0.6%	$49.34	+216.7%	COM	45866F104
XLE	SELECT SECTOR SPDR TR	22,753	$1.949M	0.6%	$42.70	—	ENERGY	81369Y506
VEU	VANGUARD INTL EQUITY INDEX F	33,649	$1.932M	0.6%	$47.99	—	ALLWRLD EX US	922042775
XLF	SELECT SECTOR SPDR TR	39,566	$1.912M	0.6%	$28.58	—	FINANCIAL	81369Y605
ORCL	ORACLE CORP	11,002	$1.833M	0.6%	$61.70	+185.0%	COM	68389X105
SPTL	SPDR SER TR	69,726	$1.826M	0.6%	$31.16	—	PORTFOLIO LN TSR	78464A664
WMT	WALMART INC	20,097	$1.816M	0.6%	$43.89	+95.5%	COM	931142103
MCHP	MICROCHIP TECHNOLOGY INC.	30,865	$1.77M	0.5%	$47.62	+39.3%	COM	595017104
XLI	SELECT SECTOR SPDR TR	13,301	$1.753M	0.5%	$64.17	—	INDL	81369Y704
XLC	SELECT SECTOR SPDR TR	17,687	$1.712M	0.5%	$52.09	—	COMMUNICATION	81369Y852
KO	COCA COLA CO	26,550	$1.653M	0.5%	$28.16	+124.0%	COM	191216100
PFE	PFIZER INC	60,337	$1.601M	0.5%	$21.50	+16.8%	COM	717081103
TJX	TJX COS INC NEW	13,151	$1.589M	0.5%	$46.94	+150.8%	COM	872540109
LLY	ELI LILLY & CO	2,057	$1.588M	0.5%	$115.08	+613.5%	COM	532457108
DIS	DISNEY WALT CO	13,558	$1.51M	0.5%	$70.49	+46.9%	COM	254687106
TLT	ISHARES TR	17,151	$1.498M	0.5%	$117.14	—	20 YR TR BD ETF	464287432
ALL	ALLSTATE CORP	7,710	$1.486M	0.5%	$70.75	+168.3%	COM	020002101
SUB	ISHARES TR	14,080	$1.485M	0.5%	$105.67	—	SHRT NAT MUN ETF	464288158
ABBV	ABBVIE INC	7,065	$1.255M	0.4%	$63.49	+179.4%	COM	00287Y109
KLAC	KLA CORP	1,985	$1.251M	0.4%	$108.03	+519.4%	COM NEW	482480100
XLP	SELECT SECTOR SPDR TR	15,481	$1.217M	0.4%	$49.69	—	SBI CONS STPLS	81369Y308
IGIB	ISHARES TR	23,467	$1.209M	0.4%	$60.90	—	ISHS 5-10YR INVT	464288638
WFC	WELLS FARGO CO NEW	16,975	$1.192M	0.4%	$29.88	+123.2%	COM	949746101
COST	COSTCO WHSL CORP NEW	1,260	$1.155M	0.4%	$647.34	+42.5%	COM	22160K105
SPLB	SPDR SER TR	51,300	$1.14M	0.3%	$23.79	—	PORTFOLIO LN COR	78464A367
HD	HOME DEPOT INC	2,790	$1.085M	0.3%	$98.91	+301.6%	COM	437076102
MA	MASTERCARD INCORPORATED	2,055	$1.082M	0.3%	$332.42	+54.8%	CL A	57636Q104
XLB	SELECT SECTOR SPDR TR	12,844	$1.081M	0.3%	$50.69	—	SBI MATERIALS	81369Y100
CME	CME GROUP INC	4,600	$1.068M	0.3%	$50.57	+334.4%	COM	12572Q105
MRSH	MARSH & MCLENNAN COS INC	4,996	$1.061M	0.3%	$96.58	+125.5%	COM	571748102
BRK/B	BERKSHIRE HATHAWAY INC DEL	2,306	$1.045M	0.3%	$175.23	+163.5%	CL B NEW	084670702
DHR	DANAHER CORPORATION	4,445	$1.02M	0.3%	$46.06	+429.6%	COM	235851102
BX	BLACKSTONE INC	5,901	$1.017M	0.3%	$95.73	+76.3%	COM	09260D107
ICSH	ISHARES TR	19,900	$1.004M	0.3%	$50.21	—	BLACKROCK ULTRA	46434V878
ADP	AUTOMATIC DATA PROCESSING IN	3,412	$999K	0.3%	$79.47	+262.3%	COM	053015103
VTI	VANGUARD INDEX FDS	3,246	$941K	0.3%	$128.77	—	TOTAL STK MKT	922908769
RWO	SPDR INDEX SHS FDS	20,490	$879K	0.3%	$42.49	—	DJ GLB RL ES ETF	78463X749
—	BLACKROCK INC	845	$866K	0.3%	$768.93	—	COM	09247X101
CMF	ISHARES TR	14,960	$857K	0.3%	$69.44	—	CALIF MUN BD ETF	464288356
ADBE	ADOBE INC	1,915	$852K	0.3%	$417.37	+18.6%	COM	00724F101
XLU	SELECT SECTOR SPDR TR	10,983	$831K	0.3%	$45.62	—	SBI INT-UTILS	81369Y886
MDLZ	MONDELEZ INTL INC	13,270	$793K	0.2%	$37.56	+69.4%	CL A	609207105
PEP	PEPSICO INC	5,196	$790K	0.2%	$63.04	+148.4%	COM	713448108
CMG	CHIPOTLE MEXICAN GRILL INC	13,025	$785K	0.2%	$61.28	-1.6%	COM	169656105
TSLA	TESLA INC	1,920	$775K	0.2%	$186.79	+72.3%	COM	88160R101
INDA	ISHARES TR	14,675	$772K	0.2%	$50.56	—	MSCI INDIA ETF	46429B598
FLCH	FRANKLIN TEMPLETON ETF TR	41,200	$758K	0.2%	$17.49	—	FTSE CHINA	35473P819
VIG	VANGUARD SPECIALIZED FUNDS	3,802	$745K	0.2%	$83.79	—	DIV APP ETF	921908844
PANW	PALO ALTO NETWORKS INC	4,068	$740K	0.2%	$146.95	+28.6%	COM	697435105
CSCO	CISCO SYS INC	12,018	$711K	0.2%	$43.29	+27.9%	COM	17275R102
HON	HONEYWELL INTL INC	3,095	$699K	0.2%	$146.47	+39.0%	COM	438516106
ADI	ANALOG DEVICES INC	3,255	$692K	0.2%	$156.55	+38.5%	COM	032654105
XLRE	SELECT SECTOR SPDR TR	16,906	$688K	0.2%	$32.33	—	RL EST SEL SEC	81369Y860
BA	BOEING CO	3,574	$633K	0.2%	$253.11	-38.0%	COM	097023105
IBM	INTERNATIONAL BUSINESS MACHS	2,782	$612K	0.2%	$115.79	+86.8%	COM	459200101
TPR	TAPESTRY INC	9,178	$600K	0.2%	$22.01	+143.1%	COM	876030107
SCHW	SCHWAB CHARLES CORP	7,812	$578K	0.2%	$68.86	+7.2%	COM	808513105
MRK	MERCK & CO INC	5,738	$571K	0.2%	$60.97	+61.9%	COM	58933Y105
CMCSA	COMCAST CORP NEW	15,129	$568K	0.2%	$37.12	+7.8%	CL A	20030N101
MCHI	ISHARES TR	11,850	$555K	0.2%	$43.85	—	MSCI CHINA ETF	46429B671
FLTW	FRANKLIN TEMPLETON ETF TR	11,600	$549K	0.2%	$45.65	—	FTSE TAIWAN	35473P686
T	AT&T INC	24,073	$548K	0.2%	$14.69	+46.4%	COM	00206R102
MCD	MCDONALDS CORP	1,882	$546K	0.2%	$126.41	+129.6%	COM	580135101
NEE	NEXTERA ENERGY INC	7,535	$540K	0.2%	$60.93	+23.1%	COM	65339F101
PLD	PROLOGIS INC.	5,025	$531K	0.2%	$59.02	+86.7%	COM	74340W103
IGF	ISHARES TR	10,095	$528K	0.2%	$50.12	—	GLB INFRASTR ETF	464288372
NSC	NORFOLK SOUTHN CORP	2,227	$523K	0.2%	$175.53	+41.5%	COM	655844108
VGT	VANGUARD WORLD FD	835	$519K	0.2%	$216.28	—	INF TECH ETF	92204A702
SPTI	SPDR SER TR	18,400	$513K	0.2%	$28.56	—	PORTFLI INTRMDIT	78464A672
VNQ	VANGUARD INDEX FDS	5,656	$504K	0.2%	$70.15	—	REAL ESTATE ETF	922908553
JCI	JOHNSON CTLS INTL PLC	6,318	$499K	0.2%	$59.84	+32.4%	SHS	G51502105
PYPL	PAYPAL HLDGS INC	5,830	$498K	0.2%	$61.53	+36.3%	COM	70450Y103
GOOG	ALPHABET INC	2,600	$495K	0.2%	$102.94	+70.7%	CAP STK CL C	02079K107
VWO	VANGUARD INTL EQUITY INDEX F	10,935	$482K	0.1%	$40.40	—	FTSE EMR MKT ETF	922042858
AMT	AMERICAN TOWER CORP NEW	2,617	$480K	0.1%	$122.22	+62.3%	COM	03027X100
EEM	ISHARES TR	11,338	$474K	0.1%	$43.25	—	MSCI EMG MKT ETF	464287234
J	JACOBS SOLUTIONS INC	3,540	$473K	0.1%	$95.66	+42.4%	COM	46982L108
RTX	RTX CORPORATION	3,783	$438K	0.1%	$53.70	+120.2%	COM	75513E101
JNJ	JOHNSON & JOHNSON	3,025	$437K	0.1%	$62.56	+139.1%	COM	478160104
TFC	TRUIST FINL CORP	9,935	$431K	0.1%	$35.76	+18.4%	COM	89832Q109
GSK	GSK PLC	12,453	$421K	0.1%	$35.56	—	SPONSORED ADR	37733W204
BMO	BANK MONTREAL QUE	4,300	$417K	0.1%	$52.50	+73.4%	COM	063671101
FCX	FREEPORT-MCMORAN INC	10,930	$416K	0.1%	$30.33	+45.2%	CL B	35671D857
COR	CENCORA INC	1,843	$414K	0.1%	$143.51	+62.4%	COM	03073E105
CVS	CVS HEALTH CORP	9,200	$413K	0.1%	$49.68	+8.0%	COM	126650100
AVGO	BROADCOM INC	1,775	$412K	0.1%	$157.45	+16.1%	COM	11135F101
EWJ	ISHARES INC	6,100	$409K	0.1%	$67.02	—	MSCI JPN ETF NEW	46434G822
MAS	MASCO CORP	5,637	$409K	0.1%	$51.89	+51.1%	COM	574599106
ZBH	ZIMMER BIOMET HOLDINGS INC	3,758	$397K	0.1%	$112.07	-5.4%	COM	98956P102
MCO	MOODYS CORP	810	$383K	0.1%	$101.98	+364.0%	COM	615369105
EWU	ISHARES TR	11,250	$381K	0.1%	$34.43	—	MSCI UK ETF NEW	46435G334
EWT	ISHARES INC	7,050	$365K	0.1%	$48.21	—	MSCI TAIWAN ETF	46434G772
VOX	VANGUARD WORLD FD	2,307	$357K	0.1%	$95.56	—	COMM SRVC ETF	92204A884
GWW	GRAINGER W W INC	331	$349K	0.1%	$621.54	+79.6%	COM	384802104
FTV	FORTIVE CORP	4,453	$334K	0.1%	$33.58	+70.1%	COM	34959J108
CRWD	CROWDSTRIKE HLDGS INC	976	$334K	0.1%	$228.35	+45.6%	CL A	22788C105
USB	US BANCORP DEL	6,575	$314K	0.1%	$22.44	+107.9%	COM NEW	902973304
MMM	3M CO	2,377	$307K	0.1%	$125.65	+2.2%	COM	88579Y101
EWY	ISHARES INC	5,900	$300K	0.1%	$65.18	—	MSCI STH KOR ETF	464286772
CDW	CDW CORP	1,720	$299K	0.1%	$166.84	+14.4%	COM	12514G108
REZ	ISHARES TR	3,600	$292K	0.1%	$60.00	—	RESIDENTIAL MULT	464288562
AMD	ADVANCED MICRO DEVICES INC	2,413	$291K	0.1%	$91.74	+56.8%	COM	007903107
VCR	VANGUARD WORLD FD	760	$285K	0.1%	$254.05	—	CONSUM DIS ETF	92204A108
EWQ	ISHARES INC	7,800	$280K	0.1%	$38.86	—	MSCI FRANCE ETF	464286707
ACN	ACCENTURE PLC IRELAND	772	$272K	0.1%	$354.74	0.0%	SHS CLASS A	G1151C101
BMY	BRISTOL-MYERS SQUIBB CO	4,705	$266K	0.1%	$45.09	+16.6%	COM	110122108
VZ	VERIZON COMMUNICATIONS INC	6,460	$258K	0.1%	$38.49	+2.4%	COM	92343V104
EWL	ISHARES INC	5,575	$256K	0.1%	$50.50	—	MSCI SWITZERLAND	464286749
UNP	UNION PAC CORP	1,120	$255K	0.1%	$95.49	+141.1%	COM	907818108
VDE	VANGUARD WORLD FD	2,070	$251K	0.1%	$120.98	—	ENERGY ETF	92204A306
GS	GOLDMAN SACHS GROUP INC	435	$249K	0.1%	$475.08	+14.7%	COM	38141G104
HAL	HALLIBURTON CO	9,160	$249K	0.1%	$16.92	+67.1%	COM	406216101
BDX	BECTON DICKINSON & CO	1,087	$247K	0.1%	$234.52	-4.0%	COM	075887109
PM	PHILIP MORRIS INTL INC	2,011	$242K	0.1%	$91.66	+31.6%	COM	718172109
SBUX	STARBUCKS CORP	2,622	$239K	0.1%	$51.60	+82.0%	COM	855244109
VFH	VANGUARD WORLD FD	1,936	$229K	0.1%	$109.91	—	FINANCIALS ETF	92204A405
D	DOMINION ENERGY INC	4,185	$225K	0.1%	$53.89	+0.3%	COM	25746U109
EWC	ISHARES INC	5,575	$225K	0.1%	$40.30	—	MSCI CDA ETF	464286509
NOW	SERVICENOW INC	207	$219K	0.1%	$202.58	0.0%	COM	81762P102
MUB	ISHARES TR	1,975	$210K	0.1%	$108.63	—	NATIONAL MUN ETF	464288414
FBIN	FORTUNE BRANDS INNOVATIONS I	3,055	$209K	0.1%	$74.52	+4.8%	COM	34964C106
GII	SPDR INDEX SHS FDS	3,470	$205K	0.1%	$61.69	—	S&P GBLINF ETF	78463X855
EWG	ISHARES INC	6,450	$205K	0.1%	$31.82	—	MSCI GERMANY ETF	464286806
AGG	ISHARES TR	2,100	$203K	0.1%	$94.04	—	CORE US AGGBD ET	464287226
GE	GE AEROSPACE	1,216	$203K	0.1%	$167.93	+5.5%	COM NEW	369604301
SAN	BANCO SANTANDER S.A.	11,000	$50,160	0.0%	$4.14	—	ADR	05964H105