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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 632 1,977 SH   SOLE   0 0 1,977
ALPHABET INC CAP STK CL A 02079K305 294 110 SH   SOLE   0 0 110
AMAZON COM INC COM 023135106 269 82 SH   SOLE   0 0 82
AMPHENOL CORP NEW CL A 032095101 338 4,612 SH   SOLE   0 0 4,612
APPLE INC COM 037833100 1,268 8,960 SH   SOLE   0 0 8,960
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 368 1,347 SH   SOLE   0 0 1,347
FLEXSHARES TR MORNSTAR UPSTR 33939L407 5,045 137,848 SH   SOLE   0 0 137,848
INVESCO ACTIVELY MANAGED ETF ACTIVE US REAL 46090A101 226 2,193 SH   SOLE   0 0 2,193
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 2,427 91,018 SH   SOLE   0 0 91,018
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 2,487 127,681 SH   SOLE   0 0 127,681
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 281 13,029 SH   SOLE   0 0 13,029
INVESCO EXCHANGE TRADED FD T S&P500 BUY WRT 46137V399 1,453 63,216 SH   SOLE   0 0 63,216
INVESCO QQQ TR UNIT SER 1 46090E103 3,058 8,543 SH   SOLE   0 0 8,543
ISHARES INC CORE MSCI EMKT 46434G103 4,401 71,255 SH   SOLE   0 0 71,255
ISHARES INC EM MKT SM-CP ETF 464286475 2,377 39,213 SH   SOLE   0 0 39,213
ISHARES TR CALIF MUN BD ETF 464288356 3,860 62,176 SH   SOLE   0 0 62,176
ISHARES TR CORE 1 5 YR USD 46432F859 12,732 249,302 SH   SOLE   0 0 249,302
ISHARES TR CORE MSCI EAFE 46432F842 4,612 62,108 SH   SOLE   0 0 62,108
ISHARES TR CORE S&P MCP ETF 464287507 6,202 23,577 SH   SOLE   0 0 23,577
ISHARES TR CORE S&P SCP ETF 464287804 8,528 78,102 SH   SOLE   0 0 78,102
ISHARES TR CORE S&P US GWT 464287671 1,755 17,134 SH   SOLE   0 0 17,134
ISHARES TR CORE S&P500 ETF 464287200 7,335 17,026 SH   SOLE   0 0 17,026
ISHARES TR CORE US AGGBD ET 464287226 7,245 63,096 SH   SOLE   0 0 63,096
ISHARES TR EAFE GRWTH ETF 464288885 4,151 38,983 SH   SOLE   0 0 38,983
ISHARES TR EAFE SML CP ETF 464288273 4,570 61,414 SH   SOLE   0 0 61,414
ISHARES TR ESG AWARE MSCI 46435U663 208 5,320 SH   SOLE   0 0 5,320
ISHARES TR ESG AWR US AGRGT 46435U549 509 9,224 SH   SOLE   0 0 9,224
ISHARES TR ESG AWRE 1 5 YR 46435G243 356 13,721 SH   SOLE   0 0 13,721
ISHARES TR IBOXX HI YD ETF 464288513 7,014 80,170 SH   SOLE   0 0 80,170
ISHARES TR IBOXX INV CP ETF 464287242 3,677 27,641 SH   SOLE   0 0 27,641
ISHARES TR INTL TREA BD ETF 464288117 3,821 74,410 SH   SOLE   0 0 74,410
ISHARES TR JPMORGAN USD EMG 464288281 6,574 59,728 SH   SOLE   0 0 59,728
ISHARES TR NATIONAL MUN ETF 464288414 2,093 18,018 SH   SOLE   0 0 18,018
ISHARES TR PFD AND INCM SEC 464288687 318 8,197 SH   SOLE   0 0 8,197
ISHARES TR RUS 1000 ETF 464287622 9,274 38,367 SH   SOLE   0 0 38,367
ISHARES TR RUSSELL 2000 ETF 464287655 433 1,979 SH   SOLE   0 0 1,979
ISHARES TR S&P MC 400VL ETF 464287705 5,423 52,626 SH   SOLE   0 0 52,626
ISHARES TR SELECT DIVID ETF 464287168 6,682 58,246 SH   SOLE   0 0 58,246
ISHARES TR SHRT NAT MUN ETF 464288158 2,120 19,712 SH   SOLE   0 0 19,712
ISHARES TR U.S. REAL ES ETF 464287739 9,542 93,193 SH   SOLE   0 0 93,193
NETFLIX INC COM 64110L106 427 700 SH   SOLE   0 0 700
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 410 9,625 SH   SOLE   0 0 9,625
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,958 129,857 SH   SOLE   0 0 129,857
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,208 82,897 SH   SOLE   0 0 82,897
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,468 35,357 SH   SOLE   0 0 35,357
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 7,155 131,870 SH   SOLE   0 0 131,870
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 293 3,949 SH   SOLE   0 0 3,949
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 550 3,716 SH   SOLE   0 0 3,716
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,615 53,979 SH   SOLE   0 0 53,979
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 14,043 183,190 SH   SOLE   0 0 183,190
SCHWAB STRATEGIC TR US REIT ETF 808524847 7,871 172,302 SH   SOLE   0 0 172,302
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,786 27,832 SH   SOLE   0 0 27,832
SEMPRA COM 816851109 333 2,629 SH   SOLE   0 0 2,629
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 843 14,371 SH   SOLE   0 0 14,371
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,693 8,606 SH   SOLE   0 0 8,606
SPDR SER TR BLOMBRG BRC INTL 78464A151 1,365 38,651 SH   SOLE   0 0 38,651
SPDR SER TR NUVEEN BLMBRG SR 78468R739 370 7,488 SH   SOLE   0 0 7,488
SPDR SER TR PORTFOLIO S&P400 78464A847 287 6,225 SH   SOLE   0 0 6,225
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,811 27,348 SH   SOLE   0 0 27,348
TESLA INC COM 88160R101 241 311 SH   SOLE   0 0 311
VANGUARD INDEX FDS MID CAP ETF 922908629 548 2,313 SH   SOLE   0 0 2,313
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 7,592 74,588 SH   SOLE   0 0 74,588
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 278 4,557 SH   SOLE   0 0 4,557
VISA INC COM CL A 92826C839 717 3,218 SH   SOLE   0 0 3,218