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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 352 3,635 SH   SOLE NONE 3,635 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 770 2,798 SH   SOLE NONE 2,798 0 0
ALPHABET INC CAP STK CL C 02079K107 1,766 18,372 SH   SOLE NONE 18,372 0 0
ALTRIA GROUP INC COM 02209S103 758 18,775 SH   SOLE NONE 18,775 0 0
AMAZON COM INC COM 023135106 1,547 13,687 SH   SOLE NONE 13,687 0 0
AMERICAN EXPRESS CO COM 025816109 1,484 10,997 SH   SOLE NONE 10,997 0 0
AMERICAN TOWER CORP NEW COM 03027X100 233 1,085 SH   SOLE NONE 1,085 0 0
AMGEN INC COM 031162100 1,340 5,944 SH   SOLE NONE 5,944 0 0
AMPHENOL CORP NEW CL A 032095101 268 4,000 SH   SOLE NONE 4,000 0 0
APPLE INC COM 037833100 5,154 37,291 SH   SOLE NONE 37,291 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,292 12,329 SH   SOLE NONE 12,329 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 682 9,597 SH   SOLE NONE 9,597 0 0
CATERPILLAR INC COM 149123101 240 1,465 SH   SOLE NONE 1,465 0 0
CHEVRON CORP NEW COM 166764100 1,512 10,526 SH   SOLE NONE 10,526 0 0
CISCO SYS INC COM 17275R102 2,602 65,038 SH   SOLE NONE 65,038 0 0
CLOROX CO DEL COM 189054109 680 5,294 SH   SOLE NONE 5,294 0 0
COCA COLA CO COM 191216100 2,052 36,637 SH   SOLE NONE 36,637 0 0
COMCAST CORP NEW CL A 20030N101 763 26,015 SH   SOLE NONE 26,015 0 0
CONOCOPHILLIPS COM 20825C104 2,719 26,564 SH   SOLE NONE 26,564 0 0
COSTCO WHSL CORP NEW COM 22160K105 826 1,749 SH   SOLE NONE 1,749 0 0
CSX CORP COM 126408103 1,946 73,050 SH   SOLE NONE 73,050 0 0
CVS HEALTH CORP COM 126650100 2,834 29,715 SH   SOLE NONE 29,715 0 0
DEERE CO COM 244199105 651 1,950 SH   SOLE NONE 1,950 0 0
DIGITAL RLTY TR INC COM 253868103 1,603 16,167 SH   SOLE NONE 16,167 0 0
DISNEY WALT CO COM 254687106 657 6,964 SH   SOLE NONE 6,964 0 0
EATON CORP PLC SHS G29183103 1,104 8,278 SH   SOLE NONE 8,278 0 0
GENERAL DYNAMICS CORP COM 369550108 476 2,243 SH   SOLE NONE 2,243 0 0
GENERAL MLS INC COM 370334104 1,866 24,360 SH   SOLE NONE 24,360 0 0
HOME DEPOT INC COM 437076102 1,913 6,933 SH   SOLE NONE 6,933 0 0
HONEYWELL INTL INC COM 438516106 2,085 12,486 SH   SOLE NONE 12,486 0 0
INTEL CORP COM 458140100 2,001 77,641 SH   SOLE NONE 77,641 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,704 14,346 SH   SOLE NONE 14,346 0 0
ISHARES GOLD TR ISHARES NEW 464285204 7,843 248,752 SH   SOLE NONE 248,752 0 0
JOHNSON JOHNSON COM 478160104 3,829 23,442 SH   SOLE NONE 23,442 0 0
JPMORGAN CHASE CO COM 46625H100 2,938 28,119 SH   SOLE NONE 28,119 0 0
LILLY ELI CO COM 532457108 2,881 8,911 SH   SOLE NONE 8,911 0 0
LOCKHEED MARTIN CORP COM 539830109 1,194 3,090 SH   SOLE NONE 3,090 0 0
MCDONALDS CORP COM 580135101 1,609 6,973 SH   SOLE NONE 6,973 0 0
MEDTRONIC PLC SHS G5960L103 1,325 16,403 SH   SOLE NONE 16,403 0 0
MERCK CO INC COM 58933Y105 1,641 19,060 SH   SOLE NONE 19,060 0 0
MICROSOFT CORP COM 594918104 5,508 23,651 SH   SOLE NONE 23,651 0 0
MONDELEZ INTL INC CL A 609207105 490 8,934 SH   SOLE NONE 8,934 0 0
NEXTERA ENERGY INC COM 65339F101 2,932 37,387 SH   SOLE NONE 37,387 0 0
NORFOLK SOUTHN CORP COM 655844108 427 2,035 SH   SOLE NONE 2,035 0 0
NORTHROP GRUMMAN CORP COM 666807102 1,362 2,895 SH   SOLE NONE 2,895 0 0
NOVONORDISK A S ADR 670100205 1,395 14,000 SH   SOLE NONE 14,000 0 0
ORACLE CORP COM 68389X105 2,532 41,461 SH   SOLE NONE 41,461 0 0
PEPSICO INC COM 713448108 2,255 13,813 SH   SOLE NONE 13,813 0 0
PFIZER INC COM 717081103 3,976 90,860 SH   SOLE NONE 90,860 0 0
PIMCO ETF TR INTER MUN BD ACT 72201R866 273 5,440 SH   SOLE NONE 5,440 0 0
PROCTER AND GAMBLE CO COM 742718109 2,503 19,822 SH   SOLE NONE 19,822 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 438 5,350 SH   SOLE NONE 5,350 0 0
SCHWAB CHARLES CORP COM 808513105 1,270 17,670 SH   SOLE NONE 17,670 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,964 212,004 SH   SOLE NONE 212,004 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 627 13,001 SH   SOLE NONE 13,001 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 781 17,234 SH   SOLE NONE 17,234 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,117 16,817 SH   SOLE NONE 16,817 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 993 17,795 SH   SOLE NONE 17,795 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 7,876 152,042 SH   SOLE NONE 152,042 0 0
STARBUCKS CORP COM 855244109 1,147 13,618 SH   SOLE NONE 13,618 0 0
UNILEVER PLC SPON ADR NEW 904767704 1,027 23,417 SH   SOLE NONE 23,417 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,454 4,860 SH   SOLE NONE 4,860 0 0
US BANCORP DEL COM NEW 902973304 756 18,743 SH   SOLE NONE 18,743 0 0
VISA INC COM CL A 92826C839 3,131 17,622 SH   SOLE NONE 17,622 0 0
WALMART INC COM 931142103 4,027 31,046 SH   SOLE NONE 31,046 0 0
WASTE MGMT INC DEL COM 94106L109 2,457 15,336 SH   SOLE NONE 15,336 0 0
ZOETIS INC CL A 98978V103 222 1,500 SH   SOLE NONE 1,500 0 0