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
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 267 771 SH   SOLE   771 0 0
ISHARES TR U.S. UTILITS ETF 464287697 61,382 674,522 SH   SOLE   639,171 0 35,351
ISHARES TR CORE S&P MCP ETF 464287507 54,160 201,832 SH   SOLE   187,836 0 13,996
ISHARES TR CORE S&P SCP ETF 464287804 82,451 764,285 SH   SOLE   715,539 0 48,746
ISHARES TR CORE S&P500 ETF 464287200 60,291 132,891 SH   SOLE   124,706 0 8,185
ISHARES TR RUS 1000 ETF 464287622 4,935 19,733 SH   SOLE   18,612 0 1,121
ISHARES TR RUS 1000 GRW ETF 464287614 832 2,995 SH   SOLE   2,995 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,368 16,313 SH   SOLE   16,313 0 0
AMAZON COM INC COM 023135106 50,728 15,561 SH   SOLE   14,795 0 766
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 8,508 24,109 SH   SOLE   23,014 0 1,095
BOEING CO COM 097023105 1,040 5,431 SH   SOLE   4,788 0 643
EVERSOURCE ENERGY COM 30040W108 802 9,093 SH   SOLE   9,093 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 4,287 11,826 SH   SOLE   11,826 0 0
AMGEN INC COM 031162100 288 1,191 SH   SOLE   1,191 0 0
ABBOTT LABS COM 002824100 26,950 227,699 SH   SOLE   215,291 0 12,408
ADVANCED MICRO DEVICES INC COM 007903107 873 7,988 SH   SOLE   7,988 0 0
INTEL CORP COM 458140100 2,777 56,031 SH   SOLE   56,031 0 0
ORACLE CORP COM 68389X105 423 5,118 SH   SOLE   5,118 0 0
QUALCOMM INC COM 747525103 26,922 176,169 SH   SOLE   166,600 0 9,570
DISNEY WALT CO COM 254687106 37,045 270,086 SH   SOLE   252,003 0 18,083
HONEYWELL INTL INC COM 438516106 480 2,466 SH   SOLE   2,466 0 0
JOHNSON & JOHNSON COM 478160104 44,594 251,616 SH   SOLE   236,588 0 15,028
PFIZER INC COM 717081103 29,693 573,562 SH   SOLE   541,090 0 32,472
ISHARES TR MSCI EAFE ETF 464287465 30,631 416,184 SH   SOLE   396,612 0 19,572
CHEVRON CORP NEW COM 166764100 5,896 36,207 SH   SOLE   33,373 0 2,835
MICROSOFT CORP COM 594918104 54,396 176,433 SH   SOLE   166,602 0 9,831
AT&T INC COM 00206R102 350 14,817 SH   SOLE   14,817 0 0
CITIGROUP INC COM NEW 172967424 569 10,650 SH   SOLE   10,473 0 177
CISCO SYS INC COM 17275R102 1,180 21,156 SH   SOLE   21,156 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 308 2,369 SH   SOLE   2,128 0 241
COCA COLA CO COM 191216100 6,404 103,290 SH   SOLE   99,685 0 3,605
LOCKHEED MARTIN CORP COM 539830109 7,712 17,471 SH   SOLE   16,659 0 812
PEPSICO INC COM 713448108 6,590 39,374 SH   SOLE   37,152 0 2,222
STRYKER CORPORATION COM 863667101 21,208 79,328 SH   SOLE   75,099 0 4,229
VERIZON COMMUNICATIONS INC COM 92343V104 18,573 364,603 SH   SOLE   343,130 0 21,472
ISHARES TR GBL COMM SVC ETF 464287275 6,949 93,994 SH   SOLE   90,423 0 3,571
ISHARES TR US TELECOM ETF 464287713 1,784 59,687 SH   SOLE   55,847 0 3,840
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 398 10,380 SH   SOLE   10,380 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 5,225 68,855 SH   SOLE   64,099 0 4,755
ISHARES TR EXPND TEC SC ETF 464287549 63,182 162,577 SH   SOLE   151,075 0 11,502
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 651 4,017 SH   SOLE   4,017 0 0
SCHWAB CHARLES CORP COM 808513105 2,802 33,239 SH   SOLE   33,239 0 0
DEERE & CO COM 244199105 263 634 SH   SOLE   634 0 0
BK OF AMERICA CORP COM 060505104 866 20,999 SH   SOLE   20,999 0 0
STARBUCKS CORP COM 855244109 422 4,636 SH   SOLE   4,636 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 270 1,187 SH   SOLE   1,187 0 0
EXXON MOBIL CORP COM 30231G102 309 3,747 SH   SOLE   3,747 0 0
AFLAC INC COM 001055102 21,153 328,515 SH   SOLE   306,951 0 21,564
WALMART INC COM 931142103 19,724 132,448 SH   SOLE   123,355 0 9,094
APPLIED MATLS INC COM 038222105 383 2,905 SH   SOLE   2,905 0 0
UNILEVER PLC SPON ADR NEW 904767704 5,701 125,103 SH   SOLE   118,732 0 6,371
TEXAS INSTRS INC COM 882508104 333 1,817 SH   SOLE   1,817 0 0
BAXTER INTL INC COM 071813109 20,035 258,384 SH   SOLE   242,219 0 16,165
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 18,638 178,769 SH   SOLE   168,613 0 10,155
TARGET CORP COM 87612E106 22,244 104,817 SH   SOLE   98,969 0 5,848
COLGATE PALMOLIVE CO COM 194162103 37,710 497,295 SH   SOLE   463,476 0 33,819
CAPITAL ONE FINL CORP COM 14040H105 17,714 134,919 SH   SOLE   127,643 0 7,276
COSTCO WHSL CORP NEW COM 22160K105 58,865 102,222 SH   SOLE   96,227 0 5,995
LILLY ELI & CO COM 532457108 465 1,624 SH   SOLE   1,624 0 0
DANAHER CORPORATION COM 235851102 43,659 148,840 SH   SOLE   139,081 0 9,759
MERCK & CO INC COM 58933Y105 19,651 239,494 SH   SOLE   225,559 0 13,935
MORGAN STANLEY COM NEW 617446448 385 4,405 SH   SOLE   4,405 0 0
PROCTER AND GAMBLE CO COM 742718109 8,667 56,723 SH   SOLE   54,826 0 1,897
KIMBERLY-CLARK CORP COM 494368103 5,755 46,726 SH   SOLE   44,025 0 2,700
HOME DEPOT INC COM 437076102 1,895 6,330 SH   SOLE   5,749 0 581
MCDONALDS CORP COM 580135101 22,657 91,626 SH   SOLE   85,287 0 6,339
NIKE INC CL B 654106103 19,873 147,687 SH   SOLE   138,924 0 8,763
JPMORGAN CHASE & CO COM 46625H100 35,299 258,939 SH   SOLE   242,797 0 16,142
TJX COS INC NEW COM 872540109 21,317 351,877 SH   SOLE   331,015 0 20,862
WELLS FARGO CO NEW COM 949746101 341 7,040 SH   SOLE   7,040 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 265 2,466 SH   SOLE   2,466 0 0
XCEL ENERGY INC COM 98389B100 330 4,571 SH   SOLE   4,571 0 0
UNITEDHEALTH GROUP INC COM 91324P102 307 603 SH   SOLE   603 0 0
SOUTHWEST AIRLS CO COM 844741108 19,939 435,339 SH   SOLE   411,536 0 23,803
AMERICAN TOWER CORP NEW COM 03027X100 19,735 78,558 SH   SOLE   73,194 0 5,364
RAYTHEON TECHNOLOGIES CORP COM 75513E101 305 3,077 SH   SOLE   3,077 0 0
MARSH & MCLENNAN COS INC COM 571748102 203 1,189 SH   SOLE   1,189 0 0
COMCAST CORP NEW CL A 20030N101 220 4,691 SH   SOLE   4,691 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 259 1,139 SH   SOLE   1,139 0 0
WASTE MGMT INC DEL COM 94106L109 25,508 160,931 SH   SOLE   151,037 0 9,894
DUKE ENERGY CORP NEW COM NEW 26441C204 472 4,229 SH   SOLE   4,229 0 0
CONOCOPHILLIPS COM 20825C104 234 2,338 SH   SOLE   2,338 0 0
APPLE INC COM 037833100 154,247 883,378 SH   SOLE   800,357 0 83,022
CATERPILLAR INC COM 149123101 282 1,267 SH   SOLE   1,267 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 268 1,700 SH   SOLE   1,700 0 0
CHUBB LIMITED COM H1467J104 282 1,318 SH   SOLE   1,318 0 0
ROSS STORES INC COM 778296103 10,356 114,485 SH   SOLE   105,846 0 8,639
ECOLAB INC COM 278865100 16,817 95,250 SH   SOLE   89,167 0 6,083
SKYWORKS SOLUTIONS INC COM 83088M102 251 1,884 SH   SOLE   1,884 0 0
AMERICAN EXPRESS CO COM 025816109 27,074 144,781 SH   SOLE   136,804 0 7,976
EDWARDS LIFESCIENCES CORP COM 28176E108 894 7,591 SH   SOLE   7,009 0 582
NETFLIX INC COM 64110L106 369 985 SH   SOLE   985 0 0
ISHARES TR CORE US AGGBD ET 464287226 133,208 1,243,776 SH   SOLE   1,162,267 0 81,509
PROLOGIS INC. COM 74340W103 333 2,063 SH   SOLE   2,063 0 0
ISHARES TR TIPS BD ETF 464287176 457 3,669 SH   SOLE   3,669 0 0
CLOROX CO DEL COM 189054109 389 2,800 SH   SOLE   2,800 0 0
ACTIVISION BLIZZARD INC COM 00507V109 215 2,683 SH   SOLE   2,683 0 0
NVIDIA CORPORATION COM 67066G104 25,818 94,620 SH   SOLE   88,991 0 5,629
VERTEX PHARMACEUTICALS INC COM 92532F100 808 3,098 SH   SOLE   3,098 0 0
TRAVELERS COMPANIES INC COM 89417E109 310 1,699 SH   SOLE   18 0 1,681
NETEASE INC SPONSORED ADS 64110W102 337 3,760 SH   SOLE   3,760 0 0
YUM BRANDS INC COM 988498101 381 3,218 SH   SOLE   3,218 0 0
ALPHABET INC CAP STK CL A 02079K305 50,498 18,156 SH   SOLE   17,138 0 1,018
VANGUARD INDEX FDS VALUE ETF 922908744 3,455 23,379 SH   SOLE   21,500 0 1,879
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 5,109 20,084 SH   SOLE   18,571 0 1,513
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,024 27,905 SH   SOLE   26,905 0 1,000
BLACKROCK INC COM 09247X101 883 1,156 SH   SOLE   1,156 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 49,378 171,689 SH   SOLE   161,382 0 10,306
ABIOMED INC COM 003654100 257 777 SH   SOLE   777 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 23,746 179,730 SH   SOLE   169,308 0 10,422
ASML HOLDING N V N Y REGISTRY SHS N07059210 285 426 SH   SOLE   426 0 0
SPDR SER TR S&P DIVID ETF 78464A763 92,970 725,707 SH   SOLE   684,906 0 40,801
ISHARES GOLD TR ISHARES NEW 464285204 245 6,640 SH   SOLE   6,364 0 276
VANGUARD WORLD FDS INF TECH ETF 92204A702 246 590 SH   SOLE   590 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 2,054 6,730 SH   SOLE   6,086 0 644
MASTERCARD INCORPORATED CL A 57636Q104 43,302 121,164 SH   SOLE   113,578 0 7,587
ISHARES TR U.S. MED DVC ETF 464288810 2,154 35,338 SH   SOLE   32,405 0 2,933
WISDOMTREE TR US MIDCAP DIVID 97717W505 10,590 238,405 SH   SOLE   228,269 0 10,136
WISDOMTREE TR US SMALLCAP DIVD 97717W604 9,082 284,955 SH   SOLE   279,938 0 5,017
ISHARES TR MSCI USA ESG SLC 464288802 2,873 29,665 SH   SOLE   28,460 0 1,205
ISHARES TR CORE S&P TTL STK 464287150 250 2,474 SH   SOLE   2,474 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 12,916 61,950 SH   SOLE   56,389 0 5,561
ISHARES TR SHORT TREAS BD 464288679 660 5,985 SH   SOLE   5,523 0 462
ISHARES TR USD INV GRDE ETF 464288620 11,419 207,461 SH   SOLE   198,047 0 9,414
ISHARES TR ISHS 1-5YR INVS 464288646 67,440 1,303,939 SH   SOLE   1,229,634 0 74,305
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 242 1,289 SH   SOLE   1,289 0 0
ISHARES TR MSCI KLD400 SOC 464288570 753 8,698 SH   SOLE   7,923 0 775
BLACKSTONE INC COM 09260D107 27,737 218,505 SH   SOLE   205,287 0 13,217
ISHARES TR PFD AND INCM SEC 464288687 2,746 75,389 SH   SOLE   73,634 0 1,755
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 12,578 43,502 SH   SOLE   39,810 0 3,692
ISHARES TR INTL SEL DIV ETF 464288448 11,003 346,445 SH   SOLE   338,144 0 8,301
AECOM COM 00766T100 340 4,420 SH   SOLE   4,420 0 0
ISHARES TR GOV/CRED BD ETF 464288596 18,152 159,996 SH   SOLE   152,166 0 7,830
ISHARES TR ISHS 5-10YR INVT 464288638 5,565 101,424 SH   SOLE   98,376 0 3,048
VISA INC COM CL A 92826C839 43,777 197,400 SH   SOLE   186,379 0 11,021
VANGUARD WORLD FD MEGA CAP INDEX 921910873 8,222 51,696 SH   SOLE   47,845 0 3,851
ISHARES TR CALIF MUN BD ETF 464288356 1,369 23,539 SH   SOLE   23,539 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 1,022 36,778 SH   SOLE   36,416 0 362
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 556 21,563 SH   SOLE   21,563 0 0
UNITED SEC BANCSHARES CALIF COM 911460103 784 94,506 SH   SOLE   94,506 0 0
CALIFORNIA BANCORP INC COM 13005U101 604 26,250 SH   SOLE   26,250 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 320 3,062 SH   SOLE   3,062 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 282 3,278 SH   SOLE   3,278 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 603 11,061 SH   SOLE   10,740 0 321
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 21,818 217,834 SH   SOLE   205,430 0 12,404
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,321 43,474 SH   SOLE   42,026 0 1,448
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,366 146,124 SH   SOLE   136,450 0 9,674
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 12,537 232,805 SH   SOLE   211,680 0 21,125
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,259 68,813 SH   SOLE   63,345 0 5,468
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 462 6,181 SH   SOLE   5,997 0 184
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 200 3,994 SH   SOLE   3,994 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,159 41,733 SH   SOLE   40,161 0 1,572
TESLA INC COM 88160R101 433 402 SH   SOLE   402 0 0
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855 9,401 122,124 SH   SOLE   114,857 0 7,267
SCHWAB STRATEGIC TR US TIPS ETF 808524870 336 5,542 SH   SOLE   5,027 0 515
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,595 3,843 SH   SOLE   3,273 0 570
ISHARES TR 0-5 YR TIPS ETF 46429B747 71,477 681,124 SH   SOLE   641,126 0 39,997
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,522 20,061 SH   SOLE   19,856 0 205
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 2,389 109,761 SH   SOLE   105,320 0 4,441
ISHARES TR CORE HIGH DV ETF 46429B663 328 3,064 SH   SOLE   3,064 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 32,872 650,681 SH   SOLE   617,183 0 33,498
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 14,366 284,084 SH   SOLE   274,004 0 10,080
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 279 3,540 SH   SOLE   3,540 0 0
ISHARES INC MSCI FRONTIER 464286145 271 8,328 SH   SOLE   7,531 0 797
PIMCO ETF TR ACTIVE BD ETF 72201R775 7,851 77,134 SH   SOLE   73,877 0 3,257
META PLATFORMS INC CL A 30303M102 849 3,817 SH   SOLE   3,817 0 0
ISHARES INC CORE MSCI EMKT 46434G103 57,577 1,036,496 SH   SOLE   962,235 0 74,261
ISHARES TR CORE 1 5 YR USD 46432F859 25,046 516,832 SH   SOLE   490,581 0 26,251
ABBVIE INC COM 00287Y109 519 3,204 SH   SOLE   3,204 0 0
ZOETIS INC CL A 98978V103 22,782 120,802 SH   SOLE   113,543 0 7,259
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 259 4,424 SH   SOLE   3,560 0 864
ALPHABET INC CAP STK CL C 02079K107 4,566 1,635 SH   SOLE   1,597 0 38
TRINET GROUP INC COM 896288107 564 5,732 SH   SOLE   5,732 0 0
ISHARES TR CORE DIV GRWTH 46434V621 437 8,175 SH   SOLE   7,938 0 237
ISHARES U S ETF TR INT RT HDG C B 46431W705 76,439 817,270 SH   SOLE   764,211 0 53,058
ISHARES TR CORE TOTAL USD 46434V613 40,144 808,861 SH   SOLE   767,590 0 41,271
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 19,631 334,322 SH   SOLE   310,490 0 23,832
ISHARES TR EXPONENTIAL TECH 46434V381 18,461 312,692 SH   SOLE   292,410 0 20,282
ISHARES U S ETF TR INT RT HD LONG 46431W812 704 29,204 SH   SOLE   29,204 0 0
FORTIVE CORP COM 34959J108 29,282 480,583 SH   SOLE   448,502 0 32,081
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 350 12,058 SH   SOLE   12,058 0 0
ISHARES TR CORE MSCI INTL 46435G326 278 4,366 SH   SOLE   4,366 0 0
ISHARES TR CR 5 10 YR ETF 46435G417 18,422 388,973 SH   SOLE   369,132 0 19,840
GLOBAL X FDS US INFR DEV ETF 37954Y673 22,871 808,731 SH   SOLE   756,114 0 52,617
ISHARES TR ESG AWR MSCI USA 46435G425 356 3,516 SH   SOLE   3,351 0 165
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 25,862 514,471 SH   SOLE   484,165 0 30,305
ISHARES TR ESG AWRE 1 5 YR 46435G243 3,853 156,417 SH   SOLE   154,718 0 1,699
GLOBAL X FDS AUTONMOUS EV ETF 37954Y624 11,212 406,835 SH   SOLE   383,284 0 23,551
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 224 3,257 SH   SOLE   3,257 0 0
J P MORGAN EXCHANGE-TRADED F BETABULDRS JAPAN 46641Q217 485 9,553 SH   SOLE   9,553 0 0
PIMCO ETF TR ENHANCD SHORT 72201R643 4,093 41,295 SH   SOLE   38,935 0 2,360
APPLE INC COM 037833100 0 2,000 SH Put SOLE   2,000 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 5,628 409,873 SH   SOLE   409,873 0 0