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
AMAZON COM INC COM 023135106   247,505 1,899 SH   SOLE   0 0 1,899
APPLE INC COM 037833100   3,050,711 15,728 SH   SOLE   0 0 15,728
APPLIED MATLS INC COM 038222105   212,040 1,467 SH   SOLE   0 0 1,467
CHEVRON CORP NEW COM 166764100   313,599 1,993 SH   SOLE   0 0 1,993
EXPEDITORS INTL WASH INC COM 302130109   416,808 3,441 SH   SOLE   0 0 3,441
EXXON MOBIL CORP COM 30231G102   225,869 2,106 SH   SOLE   0 0 2,106
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,189,968 11,891 SH   SOLE   0 0 11,891
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   4,378,013 14,690 SH   SOLE   0 0 14,690
ISHARES TR CORE US AGGBD ET 464287226   354,169 3,616 SH   SOLE   0 0 3,616
JOHNSON & JOHNSON COM 478160104   249,312 1,506 SH   SOLE   0 0 1,506
MICROSOFT CORP COM 594918104   559,122 1,642 SH   SOLE   0 0 1,642
ORACLE CORP COM 68389X105   1,785,059 14,989 SH   SOLE   0 0 14,989
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   9,513,846 131,009 SH   SOLE   0 0 131,009
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   8,531,654 113,831 SH   SOLE   0 0 113,831
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   477,906 13,406 SH   SOLE   0 0 13,406
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,073,171 29,187 SH   SOLE   0 0 29,187
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,503,572 34,328 SH   SOLE   0 0 34,328
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   651,913 14,123 SH   SOLE   0 0 14,123
SEMPRA COM 816851109   373,438 2,565 SH   SOLE   0 0 2,565
STARBUCKS CORP COM 855244109   222,769 2,249 SH   SOLE   0 0 2,249
TESLA INC COM 88160R101   489,510 1,870 SH   SOLE   0 0 1,870
UNITEDHEALTH GROUP INC COM 91324P102   392,925 818 SH   SOLE   0 0 818
VANGUARD BD INDEX FDS INTERMED TERM 921937819   6,020,526 80,028 SH   SOLE   0 0 80,028
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,913,615 38,555 SH   SOLE   0 0 38,555
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,722,623 78,726 SH   SOLE   0 0 78,726
VANGUARD INDEX FDS MID CAP ETF 922908629   1,729,779 7,857 SH   SOLE   0 0 7,857
VANGUARD INDEX FDS GROWTH ETF 922908736   4,055,890 14,334 SH   SOLE   0 0 14,334
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,888,224 9,494 SH   SOLE   0 0 9,494
VANGUARD INDEX FDS SM CP VAL ETF 922908611   495,341 2,995 SH   SOLE   0 0 2,995
VANGUARD INDEX FDS VALUE ETF 922908744   2,916,224 20,522 SH   SOLE   0 0 20,522
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,127,112 5,223 SH   SOLE   0 0 5,223
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,290,713 20,259 SH   SOLE   0 0 20,259
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   222,715 2,100 SH   SOLE   0 0 2,100
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   2,704,629 11,047 SH   SOLE   0 0 11,047
VANGUARD WORLD FDS INF TECH ETF 92204A702   750,177 1,697 SH   SOLE   0 0 1,697