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 627 1,860 SH   SOLE   0 0 1,860
ALPHABET INC CAP STK CL A 02079K305 303 109 SH   SOLE   0 0 109
AMAZON COM INC COM 023135106 1,239 380 SH   SOLE   0 0 380
AMGEN INC COM 031162100 290 1,200 SH   SOLE   0 0 1,200
AMPHENOL CORP NEW CL A 032095101 335 4,451 SH   SOLE   0 0 4,451
APPLE INC COM 037833100 1,329 7,612 SH   SOLE   0 0 7,612
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 475 1,345 SH   SOLE   0 0 1,345
FLEXSHARES TR MORNSTAR UPSTR 33939L407 7,563 161,507 SH   SOLE   0 0 161,507
INVESCO ACTIVELY MANAGED ETF ACTIVE US REAL 46090A101 224 2,003 SH   SOLE   0 0 2,003
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 2,019 89,289 SH   SOLE   0 0 89,289
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 2,139 116,429 SH   SOLE   0 0 116,429
INVESCO EXCHANGE TRADED FD T S&P500 BUY WRT 46137V399 1,421 61,101 SH   SOLE   0 0 61,101
INVESCO QQQ TR UNIT SER 1 46090E103 3,147 8,681 SH   SOLE   0 0 8,681
ISHARES INC CORE MSCI EMKT 46434G103 4,989 89,809 SH   SOLE   0 0 89,809
ISHARES INC EM MKT SM-CP ETF 464286475 2,833 49,702 SH   SOLE   0 0 49,702
ISHARES TR 0-5YR HI YL CP 46434V407 372 8,465 SH   SOLE   0 0 8,465
ISHARES TR 3 7 YR TREAS BD 464288661 1,146 9,390 SH   SOLE   0 0 9,390
ISHARES TR CALIF MUN BD ETF 464288356 4,506 77,455 SH   SOLE   0 0 77,455
ISHARES TR CORE 1 5 YR USD 46432F859 13,418 276,882 SH   SOLE   0 0 276,882
ISHARES TR CORE MSCI EAFE 46432F842 5,603 80,611 SH   SOLE   0 0 80,611
ISHARES TR CORE S&P MCP ETF 464287507 7,879 29,361 SH   SOLE   0 0 29,361
ISHARES TR CORE S&P SCP ETF 464287804 10,196 94,516 SH   SOLE   0 0 94,516
ISHARES TR CORE S&P US GWT 464287671 2,150 20,349 SH   SOLE   0 0 20,349
ISHARES TR CORE S&P500 ETF 464287200 9,170 20,213 SH   SOLE   0 0 20,213
ISHARES TR CORE US AGGBD ET 464287226 10,239 95,600 SH   SOLE   0 0 95,600
ISHARES TR EAFE GRWTH ETF 464288885 4,149 43,096 SH   SOLE   0 0 43,096
ISHARES TR EAFE SML CP ETF 464288273 5,351 80,654 SH   SOLE   0 0 80,654
ISHARES TR ESG AW MSCI EAFE 46435G516 213 2,892 SH   SOLE   0 0 2,892
ISHARES TR ESG AWARE MSCI 46435U663 373 9,808 SH   SOLE   0 0 9,808
ISHARES TR ESG AWR US AGRGT 46435U549 811 15,703 SH   SOLE   0 0 15,703
ISHARES TR ESG AWRE 1 5 YR 46435G243 567 23,027 SH   SOLE   0 0 23,027
ISHARES TR ESG MSCI LEADR 46435U218 351 4,428 SH   SOLE   0 0 4,428
ISHARES TR IBOXX HI YD ETF 464288513 7,928 96,336 SH   SOLE   0 0 96,336
ISHARES TR IBOXX INV CP ETF 464287242 2,231 18,448 SH   SOLE   0 0 18,448
ISHARES TR INTL TREA BD ETF 464288117 4,595 98,930 SH   SOLE   0 0 98,930
ISHARES TR ISHS 1-5YR INVS 464288646 822 15,896 SH   SOLE   0 0 15,896
ISHARES TR ISHS 5-10YR INVT 464288638 1,469 26,781 SH   SOLE   0 0 26,781
ISHARES TR JPMORGAN USD EMG 464288281 7,108 72,709 SH   SOLE   0 0 72,709
ISHARES TR PFD AND INCM SEC 464288687 299 8,197 SH   SOLE   0 0 8,197
ISHARES TR RUS 1000 ETF 464287622 9,224 36,887 SH   SOLE   0 0 36,887
ISHARES TR RUSSELL 2000 ETF 464287655 386 1,879 SH   SOLE   0 0 1,879
ISHARES TR S&P MC 400VL ETF 464287705 7,047 64,270 SH   SOLE   0 0 64,270
ISHARES TR SELECT DIVID ETF 464287168 7,289 56,887 SH   SOLE   0 0 56,887
ISHARES TR SHRT NAT MUN ETF 464288158 2,644 25,275 SH   SOLE   0 0 25,275
ISHARES TR U.S. REAL ES ETF 464287739 12,814 118,411 SH   SOLE   0 0 118,411
ISHARES TR USD GRN BOND ETF 46435U440 243 4,794 SH   SOLE   0 0 4,794
MICROSOFT CORP COM 594918104 831 2,696 SH   SOLE   0 0 2,696
QUALCOMM INC COM 747525103 233 1,525 SH   SOLE   0 0 1,525
SCHWAB CHARLES CORP COM 808513105 768 9,111 SH   SOLE   0 0 9,111
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 422 9,581 SH   SOLE   0 0 9,581
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,749 134,993 SH   SOLE   0 0 134,993
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,554 69,563 SH   SOLE   0 0 69,563
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 866 22,800 SH   SOLE   0 0 22,800
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,259 103,989 SH   SOLE   0 0 103,989
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 316 4,006 SH   SOLE   0 0 4,006
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 381 5,090 SH   SOLE   0 0 5,090
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,457 101,328 SH   SOLE   0 0 101,328
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 13,414 176,820 SH   SOLE   0 0 176,820
SCHWAB STRATEGIC TR US REIT ETF 808524847 7,638 306,880 SH   SOLE   0 0 306,880
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,712 36,156 SH   SOLE   0 0 36,156
SEMPRA COM 816851109 351 2,085 SH   SOLE   0 0 2,085
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 571 10,074 SH   SOLE   0 0 10,074
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,852 8,529 SH   SOLE   0 0 8,529
SPDR SER TR BLOOMBERG INTL 78464A151 770 24,140 SH   SOLE   0 0 24,140
SPDR SER TR NUVEEN BLMBRG SH 78468R739 704 14,876 SH   SOLE   0 0 14,876
SPDR SER TR PORTFOLIO S&P400 78464A847 271 5,756 SH   SOLE   0 0 5,756
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,307 18,568 SH   SOLE   0 0 18,568
STARBUCKS CORP COM 855244109 317 3,480 SH   SOLE   0 0 3,480
TESLA INC COM 88160R101 348 323 SH   SOLE   0 0 323
VANGUARD INDEX FDS MID CAP ETF 922908629 553 2,324 SH   SOLE   0 0 2,324
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 7,882 72,729 SH   SOLE   0 0 72,729
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 260 4,512 SH   SOLE   0 0 4,512
VISA INC COM CL A 92826C839 691 3,114 SH   SOLE   0 0 3,114