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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ADOBE SYSTEMS INCORPORATED COM 00724F101   954,736 2,837 SH   SOLE   2,837 0 0
AIR PRODS & CHEMS INC COM 009158106   272,825 885 SH   SOLE   885 0 0
ALPHABET INC CAP STK CL C 02079K107   1,650,999 18,607 SH   SOLE   18,607 0 0
AMAZON COM INC COM 023135106   1,154,076 13,739 SH   SOLE   13,739 0 0
AMERICAN EXPRESS CO COM 025816109   1,618,158 10,952 SH   SOLE   10,952 0 0
AMERICAN TOWER CORP NEW COM 03027X100   229,868 1,085 SH   SOLE   1,085 0 0
AMGEN INC COM 031162100   1,550,101 5,902 SH   SOLE   5,902 0 0
AMPHENOL CORP NEW CL A 032095101   304,560 4,000 SH   SOLE   4,000 0 0
APPLE INC COM 037833100   4,748,018 36,543 SH   SOLE   36,543 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,867,428 12,520 SH   SOLE   12,520 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   561,354 7,802 SH   SOLE   7,802 0 0
CATERPILLAR INC COM 149123101   348,560 1,455 SH   SOLE   1,455 0 0
CHEVRON CORP NEW COM 166764100   1,863,286 10,381 SH   SOLE   10,381 0 0
CISCO SYS INC COM 17275R102   3,137,495 65,858 SH   SOLE   65,858 0 0
CLOROX CO DEL COM 189054109   742,907 5,294 SH   SOLE   5,294 0 0
COCA COLA CO COM 191216100   2,333,542 36,685 SH   SOLE   36,685 0 0
COMCAST CORP NEW CL A 20030N101   920,781 26,331 SH   SOLE   26,331 0 0
CONOCOPHILLIPS COM 20825C104   2,519,300 21,350 SH   SOLE   21,350 0 0
COSTCO WHSL CORP NEW COM 22160K105   788,832 1,728 SH   SOLE   1,728 0 0
CSX CORP COM 126408103   2,412,722 77,880 SH   SOLE   77,880 0 0
CVS HEALTH CORP COM 126650100   2,750,598 29,516 SH   SOLE   29,516 0 0
DEERE & CO COM 244199105   818,932 1,910 SH   SOLE   1,910 0 0
DIGITAL RLTY TR INC COM 253868103   1,631,092 16,267 SH   SOLE   16,267 0 0
DISNEY WALT CO COM 254687106   575,020 6,619 SH   SOLE   6,619 0 0
EATON CORP PLC SHS G29183103   1,337,685 8,523 SH   SOLE   8,523 0 0
GENERAL DYNAMICS CORP COM 369550108   556,015 2,241 SH   SOLE   2,241 0 0
GENERAL MLS INC COM 370334104   1,603,454 19,123 SH   SOLE   19,123 0 0
HOME DEPOT INC COM 437076102   2,200,929 6,968 SH   SOLE   6,968 0 0
HONEYWELL INTL INC COM 438516106   2,751,201 12,838 SH   SOLE   12,838 0 0
INTEL CORP COM 458140100   2,181,643 82,544 SH   SOLE   82,544 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   2,030,648 14,413 SH   SOLE   14,413 0 0
ISHARES GOLD TR ISHARES NEW 464285204   8,666,282 250,543 SH   SOLE   250,543 0 0
JOHNSON & JOHNSON COM 478160104   4,244,033 24,025 SH   SOLE   24,025 0 0
JPMORGAN CHASE & CO COM 46625H100   3,812,643 28,431 SH   SOLE   28,431 0 0
LILLY ELI & CO COM 532457108   3,095,373 8,461 SH   SOLE   8,461 0 0
LOCKHEED MARTIN CORP COM 539830109   1,493,535 3,070 SH   SOLE   3,070 0 0
MCDONALDS CORP COM 580135101   1,856,055 7,043 SH   SOLE   7,043 0 0
MEDTRONIC PLC SHS G5960L103   1,299,867 16,725 SH   SOLE   16,725 0 0
MERCK & CO INC COM 58933Y105   2,209,902 19,918 SH   SOLE   19,918 0 0
MICROSOFT CORP COM 594918104   5,637,936 23,509 SH   SOLE   23,509 0 0
MONDELEZ INTL INC CL A 609207105   595,451 8,934 SH   SOLE   8,934 0 0
NEXTERA ENERGY INC COM 65339F101   3,147,458 37,649 SH   SOLE   37,649 0 0
NIKE INC CL B 654106103   245,721 2,100 SH   SOLE   2,100 0 0
NORFOLK SOUTHN CORP COM 655844108   501,465 2,035 SH   SOLE   2,035 0 0
NORTHROP GRUMMAN CORP COM 666807102   1,565,355 2,869 SH   SOLE   2,869 0 0
NOVO-NORDISK A S ADR 670100205   1,894,760 14,000 SH   SOLE   14,000 0 0
ORACLE CORP COM 68389X105   3,377,987 41,326 SH   SOLE   41,326 0 0
PEPSICO INC COM 713448108   2,500,344 13,840 SH   SOLE   13,840 0 0
PFIZER INC COM 717081103   4,625,300 90,267 SH   SOLE   90,267 0 0
PIMCO ETF TR INTER MUN BD ACT 72201R866   284,645 5,540 SH   SOLE   5,540 0 0
PROCTER AND GAMBLE CO COM 742718109   3,074,395 20,285 SH   SOLE   20,285 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   539,922 5,350 SH   SOLE   5,350 0 0
SCHWAB CHARLES CORP COM 808513105   1,458,715 17,520 SH   SOLE   17,520 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   623,686 12,929 SH   SOLE   12,929 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   8,068,953 155,801 SH   SOLE   155,801 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,926,039 215,028 SH   SOLE   215,028 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   996,746 17,940 SH   SOLE   17,940 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,253,737 16,597 SH   SOLE   16,597 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   783,208 17,157 SH   SOLE   17,157 0 0
STARBUCKS CORP COM 855244109   1,371,960 13,830 SH   SOLE   13,830 0 0
UNILEVER PLC SPON ADR NEW 904767704   1,178,542 23,407 SH   SOLE   23,407 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,561,830 4,832 SH   SOLE   4,832 0 0
US BANCORP DEL COM NEW 902973304   1,040,379 23,856 SH   SOLE   23,856 0 0
VISA INC COM CL A 92826C839   3,682,966 17,727 SH   SOLE   17,727 0 0
WALMART INC COM 931142103   4,429,667 31,241 SH   SOLE   31,241 0 0
WASTE MGMT INC DEL COM 94106L109   2,410,624 15,366 SH   SOLE   15,366 0 0