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
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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
APPLE INC COM 037833100   2,092,016 16,101 SH   SOLE   0 0 16,101
CHEVRON CORP NEW COM 166764100   357,724 1,993 SH   SOLE   0 0 1,993
EXPEDITORS INTL WASH INC COM 302130109   358,108 3,446 SH   SOLE   0 0 3,446
EXXON MOBIL CORP COM 30231G102   232,292 2,106 SH   SOLE   0 0 2,106
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   4,389,815 15,218 SH   SOLE   0 0 15,218
ISHARES TR CONSER ALLOC ETF 464289883   287,193 8,545 SH   SOLE   0 0 8,545
ISHARES TR CORE US AGGBD ET 464287226   346,327 3,571 SH   SOLE   0 0 3,571
JOHNSON & JOHNSON COM 478160104   266,002 1,506 SH   SOLE   0 0 1,506
MICROSOFT CORP COM 594918104   393,234 1,640 SH   SOLE   0 0 1,640
ORACLE CORP COM 68389X105   1,234,944 15,108 SH   SOLE   0 0 15,108
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   10,845,676 143,575 SH   SOLE   0 0 143,575
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   6,754,488 121,571 SH   SOLE   0 0 121,571
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   499,750 15,515 SH   SOLE   0 0 15,515
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,088,411 31,831 SH   SOLE   0 0 31,831
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,537,860 37,962 SH   SOLE   0 0 37,962
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   605,584 13,266 SH   SOLE   0 0 13,266
SEMPRA COM 816851109   396,395 2,565 SH   SOLE   0 0 2,565
STARBUCKS CORP COM 855244109   222,826 2,246 SH   SOLE   0 0 2,246
TESLA INC COM 88160R101   229,115 1,860 SH   SOLE   0 0 1,860
UNITEDHEALTH GROUP INC COM 91324P102   430,256 812 SH   SOLE   0 0 812
VANGUARD BD INDEX FDS INTERMED TERM 921937819   5,544,401 74,602 SH   SOLE   0 0 74,602
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,393,383 31,793 SH   SOLE   0 0 31,793
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,520,328 76,842 SH   SOLE   0 0 76,842
VANGUARD INDEX FDS MID CAP ETF 922908629   1,741,342 8,544 SH   SOLE   0 0 8,544
VANGUARD INDEX FDS GROWTH ETF 922908736   3,186,648 14,953 SH   SOLE   0 0 14,953
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,786,641 9,734 SH   SOLE   0 0 9,734
VANGUARD INDEX FDS SM CP VAL ETF 922908611   546,777 3,443 SH   SOLE   0 0 3,443
VANGUARD INDEX FDS VALUE ETF 922908744   2,855,962 20,346 SH   SOLE   0 0 20,346
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,827,625 5,202 SH   SOLE   0 0 5,202
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,408,095 22,444 SH   SOLE   0 0 22,444
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   226,975 2,098 SH   SOLE   0 0 2,098
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   2,959,421 11,931 SH   SOLE   0 0 11,931
VANGUARD WORLD FDS INF TECH ETF 92204A702   565,397 1,770 SH   SOLE   0 0 1,770