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 402 1,398 SH   SOLE   1,398 0 0
ISHARES TR U.S. UTILITS ETF 464287697 50,162 618,294 SH   SOLE   585,602 0 32,692
ISHARES TR CORE S&P MCP ETF 464287507 44,514 203,019 SH   SOLE   189,749 0 13,270
ISHARES TR CORE S&P SCP ETF 464287804 66,560 763,394 SH   SOLE   716,150 0 47,244
ISHARES TR CORE S&P500 ETF 464287200 50,198 139,965 SH   SOLE   131,612 0 8,353
ISHARES TR RUS 1000 ETF 464287622 3,920 19,866 SH   SOLE   18,924 0 942
ISHARES TR RUS 1000 GRW ETF 464287614 607 2,884 SH   SOLE   2,884 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,812 16,273 SH   SOLE   16,273 0 0
AMAZON COM INC COM 023135106 37,713 333,745 SH   SOLE   316,290 0 17,455
BRISTOL-MYERS SQUIBB CO COM 110122108 223 3,136 SH   SOLE   3,136 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 6,464 24,207 SH   SOLE   22,999 0 1,208
BOEING CO COM 097023105 637 5,264 SH   SOLE   4,676 0 588
EVERSOURCE ENERGY COM 30040W108 689 8,844 SH   SOLE   8,844 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,312 12,393 SH   SOLE   12,393 0 0
AMGEN INC COM 031162100 262 1,161 SH   SOLE   1,161 0 0
ABBOTT LABS COM 002824100 22,374 231,232 SH   SOLE   218,008 0 13,224
ADVANCED MICRO DEVICES INC COM 007903107 569 8,982 SH   SOLE   8,982 0 0
INTEL CORP COM 458140100 1,259 48,868 SH   SOLE   48,868 0 0
ORACLE CORP COM 68389X105 273 4,473 SH   SOLE   4,473 0 0
QUALCOMM INC COM 747525103 20,188 178,684 SH   SOLE   168,983 0 9,701
DISNEY WALT CO COM 254687106 30,485 323,177 SH   SOLE   303,957 0 19,220
HONEYWELL INTL INC COM 438516106 387 2,317 SH   SOLE   2,317 0 0
SEMPRA COM 816851109 203 1,351 SH   SOLE   1,351 0 0
JOHNSON & JOHNSON COM 478160104 40,793 249,715 SH   SOLE   234,997 0 14,718
PFIZER INC COM 717081103 24,794 566,595 SH   SOLE   534,684 0 31,911
ISHARES TR MSCI EAFE ETF 464287465 24,934 445,176 SH   SOLE   423,475 0 21,701
CHEVRON CORP NEW COM 166764100 4,979 34,659 SH   SOLE   30,042 0 4,617
MICROSOFT CORP COM 594918104 40,563 174,163 SH   SOLE   163,292 0 10,872
AT&T INC COM 00206R102 244 15,879 SH   SOLE   15,879 0 0
CISCO SYS INC COM 17275R102 726 18,147 SH   SOLE   18,147 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 211 1,774 SH   SOLE   1,532 0 241
COCA COLA CO COM 191216100 5,873 104,835 SH   SOLE   100,935 0 3,900
LOCKHEED MARTIN CORP COM 539830109 6,973 18,051 SH   SOLE   17,192 0 859
PEPSICO INC COM 713448108 6,507 39,856 SH   SOLE   37,497 0 2,359
STRYKER CORPORATION COM 863667101 16,558 81,754 SH   SOLE   77,375 0 4,379
VERIZON COMMUNICATIONS INC COM 92343V104 14,496 381,775 SH   SOLE   358,038 0 23,737
ISHARES TR GBL COMM SVC ETF 464287275 5,265 100,380 SH   SOLE   96,147 0 4,233
ISHARES TR US TELECOM ETF 464287713 1,294 61,970 SH   SOLE   58,211 0 3,759
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 323 10,629 SH   SOLE   10,629 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 4,156 62,288 SH   SOLE   57,769 0 4,519
ISHARES TR EXPND TEC SC ETF 464287549 46,707 168,978 SH   SOLE   157,759 0 11,219
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 479 3,541 SH   SOLE   3,541 0 0
SCHWAB CHARLES CORP COM 808513105 1,119 15,569 SH   SOLE   15,569 0 0
BK OF AMERICA CORP COM 060505104 320 10,588 SH   SOLE   10,588 0 0
STARBUCKS CORP COM 855244109 390 4,628 SH   SOLE   4,628 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 265 1,171 SH   SOLE   1,171 0 0
EXXON MOBIL CORP COM 30231G102 486 5,569 SH   SOLE   5,469 0 100
AFLAC INC COM 001055102 17,635 313,786 SH   SOLE   295,177 0 18,610
WALMART INC COM 931142103 16,972 130,853 SH   SOLE   122,918 0 7,935
APPLIED MATLS INC COM 038222105 475 5,804 SH   SOLE   5,804 0 0
UNILEVER PLC SPON ADR NEW 904767704 6,336 144,515 SH   SOLE   136,988 0 7,527
TEXAS INSTRS INC COM 882508104 347 2,240 SH   SOLE   2,240 0 0
BAXTER INTL INC COM 071813109 13,786 255,958 SH   SOLE   239,667 0 16,291
TARGET CORP COM 87612E106 16,105 108,532 SH   SOLE   102,619 0 5,913
COLGATE PALMOLIVE CO COM 194162103 35,420 504,204 SH   SOLE   472,555 0 31,649
CAPITAL ONE FINL CORP COM 14040H105 12,936 140,351 SH   SOLE   132,892 0 7,459
COSTCO WHSL CORP NEW COM 22160K105 44,303 93,809 SH   SOLE   88,419 0 5,390
LILLY ELI & CO COM 532457108 524 1,621 SH   SOLE   1,621 0 0
DANAHER CORPORATION COM 235851102 37,832 146,469 SH   SOLE   136,834 0 9,636
MERCK & CO INC COM 58933Y105 20,576 238,928 SH   SOLE   224,422 0 14,505
MORGAN STANLEY COM NEW 617446448 323 4,090 SH   SOLE   4,090 0 0
PROCTER AND GAMBLE CO COM 742718109 7,402 58,631 SH   SOLE   56,418 0 2,214
KIMBERLY-CLARK CORP COM 494368103 5,773 51,301 SH   SOLE   48,316 0 2,985
HOME DEPOT INC COM 437076102 1,660 6,017 SH   SOLE   5,436 0 581
MCDONALDS CORP COM 580135101 20,797 90,134 SH   SOLE   83,779 0 6,355
NIKE INC CL B 654106103 12,950 155,804 SH   SOLE   146,263 0 9,541
JPMORGAN CHASE & CO COM 46625H100 28,984 277,358 SH   SOLE   259,738 0 17,621
TJX COS INC NEW COM 872540109 21,824 351,322 SH   SOLE   330,865 0 20,457
ISHARES TR 7-10 YR TRSY BD 464287440 237 2,466 SH   SOLE   2,466 0 0
XCEL ENERGY INC COM 98389B100 293 4,571 SH   SOLE   4,571 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,702 5,350 SH   SOLE   5,350 0 0
SOUTHWEST AIRLS CO COM 844741108 13,869 449,706 SH   SOLE   424,814 0 24,892
AMERICAN TOWER CORP NEW COM 03027X100 17,397 81,032 SH   SOLE   75,287 0 5,745
RAYTHEON TECHNOLOGIES CORP COM 75513E101 237 2,896 SH   SOLE   2,896 0 0
MARSH & MCLENNAN COS INC COM 571748102 257 1,720 SH   SOLE   1,720 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,175 6,546 SH   SOLE   6,546 0 0
WASTE MGMT INC DEL COM 94106L109 24,920 155,547 SH   SOLE   146,116 0 9,430
DUKE ENERGY CORP NEW COM NEW 26441C204 357 3,842 SH   SOLE   3,842 0 0
CONOCOPHILLIPS COM 20825C104 309 3,019 SH   SOLE   3,019 0 0
APPLE INC COM 037833100 116,638 843,978 SH   SOLE   765,759 0 78,218
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 216 1,700 SH   SOLE   1,700 0 0
ROSS STORES INC COM 778296103 10,492 124,507 SH   SOLE   115,930 0 8,577
ECOLAB INC COM 278865100 14,916 103,283 SH   SOLE   96,683 0 6,600
AMERICAN EXPRESS CO COM 025816109 18,956 140,512 SH   SOLE   132,863 0 7,649
EDWARDS LIFESCIENCES CORP COM 28176E108 731 8,850 SH   SOLE   8,268 0 582
NORTHROP GRUMMAN CORP COM 666807102 299 636 SH   SOLE   636 0 0
NETFLIX INC COM 64110L106 223 947 SH   SOLE   947 0 0
ISHARES TR CORE US AGGBD ET 464287226 111,925 1,161,769 SH   SOLE   1,094,021 0 67,748
ISHARES TR TIPS BD ETF 464287176 258 2,462 SH   SOLE   2,462 0 0
PIPER SANDLER COMPANIES COM 724078100 215 2,048 SH   SOLE   2,048 0 0
NVIDIA CORPORATION COM 67066G104 1,323 10,898 SH   SOLE   10,898 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 895 3,092 SH   SOLE   3,092 0 0
TRAVELERS COMPANIES INC COM 89417E109 259 1,688 SH   SOLE   7 0 1,681
NETEASE INC SPONSORED ADS 64110W102 284 3,760 SH   SOLE   3,760 0 0
YUM BRANDS INC COM 988498101 265 2,489 SH   SOLE   2,489 0 0
ALPHABET INC CAP STK CL A 02079K305 35,165 367,642 SH   SOLE   349,546 0 18,096
VANGUARD INDEX FDS VALUE ETF 922908744 3,119 25,257 SH   SOLE   24,080 0 1,177
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 4,280 19,134 SH   SOLE   17,681 0 1,453
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,390 29,814 SH   SOLE   28,307 0 1,507
BLACKROCK INC COM 09247X101 630 1,144 SH   SOLE   1,144 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 38,244 178,751 SH   SOLE   169,371 0 9,380
INTERCONTINENTAL EXCHANGE IN COM 45866F104 16,205 179,363 SH   SOLE   169,293 0 10,070
ASML HOLDING N V N Y REGISTRY SHS N07059210 12,498 30,091 SH   SOLE   28,301 0 1,790
SPDR SER TR S&P DIVID ETF 78464A763 80,847 725,082 SH   SOLE   685,950 0 39,133
ANSYS INC COM 03662Q105 15,395 69,440 SH   SOLE   65,184 0 4,256
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 1,567 6,664 SH   SOLE   6,118 0 546
MASTERCARD INCORPORATED CL A 57636Q104 34,630 121,790 SH   SOLE   114,818 0 6,972
ISHARES TR U.S. MED DVC ETF 464288810 1,560 33,056 SH   SOLE   30,382 0 2,674
WISDOMTREE TR US MIDCAP DIVID 97717W505 9,086 241,212 SH   SOLE   230,806 0 10,406
WISDOMTREE TR US SMALLCAP DIVD 97717W604 8,092 314,360 SH   SOLE   300,752 0 13,608
ISHARES TR MSCI USA ESG SLC 464288802 2,467 32,497 SH   SOLE   31,092 0 1,405
VANGUARD INDEX FDS LARGE CAP ETF 922908637 10,147 62,040 SH   SOLE   56,479 0 5,561
ISHARES TR SHORT TREAS BD 464288679 693 6,300 SH   SOLE   5,838 0 462
ISHARES TR USD INV GRDE ETF 464288620 10,026 208,651 SH   SOLE   197,684 0 10,967
ISHARES TR ISHS 1-5YR INVS 464288646 62,022 1,258,569 SH   SOLE   1,189,344 0 69,226
ISHARES TR MSCI KLD400 SOC 464288570 613 9,147 SH   SOLE   8,372 0 775
BLACKSTONE INC COM 09260D107 17,907 213,939 SH   SOLE   200,573 0 13,367
ISHARES TR PFD AND INCM SEC 464288687 1,946 61,455 SH   SOLE   60,257 0 1,198
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 10,094 44,584 SH   SOLE   41,109 0 3,475
ISHARES TR INTL SEL DIV ETF 464288448 8,472 376,025 SH   SOLE   355,152 0 20,873
ISHARES TR GOV/CRED BD ETF 464288596 15,922 156,260 SH   SOLE   148,374 0 7,886
ISHARES TR ISHS 5-10YR INVT 464288638 4,609 95,457 SH   SOLE   93,681 0 1,776
VISA INC COM CL A 92826C839 35,437 199,477 SH   SOLE   188,243 0 11,234
VANGUARD WORLD FD MEGA CAP INDEX 921910873 6,175 49,468 SH   SOLE   45,754 0 3,714
ISHARES TR CALIF MUN BD ETF 464288356 1,276 23,539 SH   SOLE   23,539 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 2,431 97,417 SH   SOLE   97,417 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 500 21,563 SH   SOLE   21,563 0 0
UNITED SEC BANCSHARES CALIF COM 911460103 616 94,506 SH   SOLE   94,506 0 0
CALIFORNIA BANCORP INC COM 13005U101 531 26,250 SH   SOLE   26,250 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 364 3,550 SH   SOLE   3,550 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 616 12,468 SH   SOLE   12,147 0 321
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 23,370 236,397 SH   SOLE   222,622 0 13,776
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,019 48,085 SH   SOLE   46,641 0 1,444
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,967 141,006 SH   SOLE   137,634 0 3,372
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 13,594 320,994 SH   SOLE   291,946 0 29,048
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,446 64,710 SH   SOLE   58,822 0 5,888
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 618 11,077 SH   SOLE   10,855 0 222
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,601 71,485 SH   SOLE   70,445 0 1,040
SPDR SER TR PORTFOLIO SHORT 78464A474 124,177 4,249,716 SH   SOLE   4,011,755 0 237,961
TESLA INC COM 88160R101 881 3,320 SH   SOLE   3,320 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 246 5,013 SH   SOLE   5,013 0 0
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855 8,369 126,634 SH   SOLE   118,982 0 7,652
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,604 4,887 SH   SOLE   4,450 0 437
ISHARES TR 0-5 YR TIPS ETF 46429B747 64,459 670,682 SH   SOLE   633,497 0 37,185
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,196 19,759 SH   SOLE   19,144 0 615
VANGUARD STAR FDS VG TL INTL STK F 921909768 284 6,210 SH   SOLE   5,735 0 475
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 2,192 108,588 SH   SOLE   104,216 0 4,372
ISHARES TR CORE HIGH DV ETF 46429B663 405 4,432 SH   SOLE   4,432 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 32,229 641,127 SH   SOLE   607,781 0 33,346
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 20,786 458,751 SH   SOLE   452,496 0 6,255
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 290 4,365 SH   SOLE   4,365 0 0
ISHARES INC MSCI FRONTIER 464286145 233 9,556 SH   SOLE   8,759 0 797
PIMCO ETF TR ACTIVE BD ETF 72201R775 6,683 74,484 SH   SOLE   71,146 0 3,338
SPDR SER TR BLOOMBERG INVT 78468R200 549 18,127 SH   SOLE   18,127 0 0
META PLATFORMS INC CL A 30303M102 427 3,146 SH   SOLE   3,106 0 40
ISHARES INC CORE MSCI EMKT 46434G103 47,918 1,114,896 SH   SOLE   1,038,030 0 76,867
ISHARES TR CORE MSCI EAFE 46432F842 223 4,236 SH   SOLE   4,236 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 23,012 499,178 SH   SOLE   472,168 0 27,010
ABBVIE INC COM 00287Y109 355 2,644 SH   SOLE   2,644 0 0
ZOETIS INC CL A 98978V103 18,305 123,443 SH   SOLE   115,959 0 7,484
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 375 9,389 SH   SOLE   9,389 0 0
ALPHABET INC CAP STK CL C 02079K107 3,018 31,384 SH   SOLE   30,624 0 760
ISHARES TR CORE DIV GRWTH 46434V621 319 7,176 SH   SOLE   6,940 0 237
ISHARES U S ETF TR INT RT HDG C B 46431W705 67,996 766,240 SH   SOLE   720,101 0 46,140
ISHARES TR CORE TOTAL USD 46434V613 35,617 800,384 SH   SOLE   759,652 0 40,731
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 14,653 337,869 SH   SOLE   315,379 0 22,490
ISHARES TR EXPONENTIAL TECH 46434V381 10,551 236,732 SH   SOLE   222,708 0 14,023
BELLEROPHON THERAPEUTICS INC COM NEW 078771300 11 10,000 SH   SOLE   10,000 0 0
ISHARES U S ETF TR INT RT HD LONG 46431W812 656 29,235 SH   SOLE   29,235 0 0
FORTIVE CORP COM 34959J108 28,985 497,171 SH   SOLE   465,437 0 31,734
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 226 12,487 SH   SOLE   12,487 0 0
ISHARES TR CORE MSCI INTL 46435G326 211 4,366 SH   SOLE   4,366 0 0
ISHARES TR CR 5 10 YR ETF 46435G417 16,027 379,333 SH   SOLE   358,212 0 21,121
GLOBAL X FDS US INFR DEV ETF 37954Y673 18,270 792,294 SH   SOLE   743,422 0 48,872
ISHARES TR ESG AWR MSCI USA 46435G425 292 3,681 SH   SOLE   3,516 0 165
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 445 8,865 SH   SOLE   7,565 0 1,300
ISHARES TR ESG AWRE 1 5 YR 46435G243 7,514 319,884 SH   SOLE   312,696 0 7,188
GLOBAL X FDS AUTONMOUS EV ETF 37954Y624 8,598 427,329 SH   SOLE   402,136 0 25,192
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217 390 9,553 SH   SOLE   9,553 0 0
ISHARES TR ESG AWR US AGRGT 46435U549 11,488 247,370 SH   SOLE   241,283 0 6,087
DBX ETF TR XTRCKR MSCI US 233051150 393 12,058 SH   SOLE   10,543 0 1,515
PIMCO ETF TR ENHANCD SHORT 72201R643 4,436 45,178 SH   SOLE   42,303 0 2,875
ISHARES TR 0-3 MNTH TREASRY 46436E718 26,557 264,860 SH   SOLE   250,588 0 14,272
PALANTIR TECHNOLOGIES INC CL A 69608A108 2,718 334,376 SH   SOLE   334,376 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 360 16,194 SH   SOLE   16,194 0 0
APEXIGEN INC COM 11374E104 36 13,216 SH   SOLE   13,216 0 0