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 820 1,977 SH   SOLE   0 0 1,977
ALPHABET INC CAP STK CL A 02079K305 316 109 SH   SOLE   0 0 109
AMAZON COM INC COM 023135106 233 70 SH   SOLE   0 0 70
AMPHENOL CORP NEW CL A 032095101 404 4,616 SH   SOLE   0 0 4,616
APPLE INC COM 037833100 1,653 9,310 SH   SOLE   0 0 9,310
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 403 1,347 SH   SOLE   0 0 1,347
FLEXSHARES TR MORNSTAR UPSTR 33939L407 5,808 147,079 SH   SOLE   0 0 147,079
INVESCO ACTIVELY MANAGED ETF ACTIVE US REAL 46090A101 239 1,992 SH   SOLE   0 0 1,992
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 2,035 77,213 SH   SOLE   0 0 77,213
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 2,043 105,186 SH   SOLE   0 0 105,186
INVESCO EXCHANGE TRADED FD T S&P500 BUY WRT 46137V399 1,437 62,189 SH   SOLE   0 0 62,189
INVESCO QQQ TR UNIT SER 1 46090E103 3,355 8,433 SH   SOLE   0 0 8,433
ISHARES INC CORE MSCI EMKT 46434G103 4,653 77,734 SH   SOLE   0 0 77,734
ISHARES INC EM MKT SM-CP ETF 464286475 2,653 44,062 SH   SOLE   0 0 44,062
ISHARES TR CALIF MUN BD ETF 464288356 4,180 67,059 SH   SOLE   0 0 67,059
ISHARES TR CORE 1 5 YR USD 46432F859 13,000 257,776 SH   SOLE   0 0 257,776
ISHARES TR CORE MSCI EAFE 46432F842 5,264 70,521 SH   SOLE   0 0 70,521
ISHARES TR CORE S&P MCP ETF 464287507 7,368 26,027 SH   SOLE   0 0 26,027
ISHARES TR CORE S&P SCP ETF 464287804 9,650 84,273 SH   SOLE   0 0 84,273
ISHARES TR CORE S&P US GWT 464287671 2,174 18,798 SH   SOLE   0 0 18,798
ISHARES TR CORE S&P500 ETF 464287200 8,689 18,217 SH   SOLE   0 0 18,217
ISHARES TR CORE US AGGBD ET 464287226 9,412 82,504 SH   SOLE   0 0 82,504
ISHARES TR EAFE GRWTH ETF 464288885 4,320 39,170 SH   SOLE   0 0 39,170
ISHARES TR EAFE SML CP ETF 464288273 5,107 69,873 SH   SOLE   0 0 69,873
ISHARES TR ESG AWARE MSCI 46435U663 325 8,052 SH   SOLE   0 0 8,052
ISHARES TR ESG AWR US AGRGT 46435U549 799 14,469 SH   SOLE   0 0 14,469
ISHARES TR ESG AWRE 1 5 YR 46435G243 557 21,708 SH   SOLE   0 0 21,708
ISHARES TR ESG MSCI LEADR 46435U218 312 3,694 SH   SOLE   0 0 3,694
ISHARES TR GBL GREEN ETF 46435U440 234 4,304 SH   SOLE   0 0 4,304
ISHARES TR IBOXX HI YD ETF 464288513 7,695 88,438 SH   SOLE   0 0 88,438
ISHARES TR IBOXX INV CP ETF 464287242 3,212 24,239 SH   SOLE   0 0 24,239
ISHARES TR INTL TREA BD ETF 464288117 4,302 85,548 SH   SOLE   0 0 85,548
ISHARES TR JPMORGAN USD EMG 464288281 7,178 65,813 SH   SOLE   0 0 65,813
ISHARES TR NATIONAL MUN ETF 464288414 2,114 18,176 SH   SOLE   0 0 18,176
ISHARES TR PFD AND INCM SEC 464288687 323 8,197 SH   SOLE   0 0 8,197
ISHARES TR RUS 1000 ETF 464287622 9,986 37,764 SH   SOLE   0 0 37,764
ISHARES TR RUSSELL 2000 ETF 464287655 442 1,987 SH   SOLE   0 0 1,987
ISHARES TR S&P MC 400VL ETF 464287705 6,381 57,655 SH   SOLE   0 0 57,655
ISHARES TR SELECT DIVID ETF 464287168 7,110 57,995 SH   SOLE   0 0 57,995
ISHARES TR SHRT NAT MUN ETF 464288158 2,119 19,733 SH   SOLE   0 0 19,733
ISHARES TR U.S. REAL ES ETF 464287739 12,193 104,989 SH   SOLE   0 0 104,989
MICROSOFT CORP COM 594918104 301 895 SH   SOLE   0 0 895
NETFLIX INC COM 64110L106 422 700 SH   SOLE   0 0 700
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 445 9,556 SH   SOLE   0 0 9,556
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,793 128,069 SH   SOLE   0 0 128,069
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,859 73,564 SH   SOLE   0 0 73,564
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,103 26,958 SH   SOLE   0 0 26,958
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,673 105,252 SH   SOLE   0 0 105,252
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 322 3,980 SH   SOLE   0 0 3,980
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 472 2,881 SH   SOLE   0 0 2,881
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,567 48,907 SH   SOLE   0 0 48,907
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 14,132 175,702 SH   SOLE   0 0 175,702
SCHWAB STRATEGIC TR US REIT ETF 808524847 7,860 149,168 SH   SOLE   0 0 149,168
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,171 21,199 SH   SOLE   0 0 21,199
SEMPRA COM 816851109 302 2,285 SH   SOLE   0 0 2,285
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 683 11,508 SH   SOLE   0 0 11,508
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,100 8,632 SH   SOLE   0 0 8,632
SPDR SER TR BLOOMBERG HIGH Y 78468R622 966 8,899 SH   SOLE   0 0 8,899
SPDR SER TR BLOOMBERG INTL 78464A151 1,028 29,720 SH   SOLE   0 0 29,720
SPDR SER TR NUVEEN BLMBRG MU 78468R721 203 3,916 SH   SOLE   0 0 3,916
SPDR SER TR NUVEEN BLMBRG SH 78468R739 404 8,218 SH   SOLE   0 0 8,218
SPDR SER TR PORTFOLIO S&P400 78464A847 293 5,885 SH   SOLE   0 0 5,885
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,526 21,466 SH   SOLE   0 0 21,466
TESLA INC COM 88160R101 341 323 SH   SOLE   0 0 323
VANGUARD INDEX FDS MID CAP ETF 922908629 591 2,319 SH   SOLE   0 0 2,319
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,575 73,915 SH   SOLE   0 0 73,915
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 282 4,605 SH   SOLE   0 0 4,605
VISA INC COM CL A 92826C839 695 3,205 SH   SOLE   0 0 3,205