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
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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
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   632,272 1,908 SH   SOLE   1,908 0 0
ISHARES TR U.S. UTILITS ETF 464287697   52,734,721 609,368 SH   SOLE   578,075 0 31,294
ISHARES TR CORE S&P MCP ETF 464287507   48,401,859 200,099 SH   SOLE   187,506 0 12,592
ISHARES TR CORE S&P SCP ETF 464287804   71,346,298 753,870 SH   SOLE   708,858 0 45,012
ISHARES TR CORE S&P500 ETF 464287200   53,893,593 140,271 SH   SOLE   132,097 0 8,174
ISHARES TR RUS 1000 ETF 464287622   4,238,889 20,135 SH   SOLE   19,194 0 941
ISHARES TR RUS 1000 GRW ETF 464287614   696,708 3,252 SH   SOLE   3,252 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   8,297,548 21,697 SH   SOLE   20,664 0 1,033
AMAZON COM INC COM 023135106   25,502,426 303,600 SH   SOLE   288,746 0 14,854
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   6,895,884 22,324 SH   SOLE   21,013 0 1,311
BOEING CO COM 097023105   890,669 4,676 SH   SOLE   4,088 0 588
IRON MTN INC DEL COM 46284V101   204,136 4,095 SH   SOLE   4,095 0 0
EVERSOURCE ENERGY COM 30040W108   758,465 9,047 SH   SOLE   9,047 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   2,953,306 11,091 SH   SOLE   11,091 0 0
AMGEN INC COM 031162100   261,653 996 SH   SOLE   996 0 0
ABBOTT LABS COM 002824100   25,093,034 228,555 SH   SOLE   215,749 0 12,806
ADVANCED MICRO DEVICES INC COM 007903107   495,167 7,645 SH   SOLE   7,645 0 0
INTEL CORP COM 458140100   1,148,165 43,442 SH   SOLE   43,442 0 0
ORACLE CORP COM 68389X105   356,740 4,364 SH   SOLE   4,364 0 0
QUALCOMM INC COM 747525103   19,662,483 178,847 SH   SOLE   169,664 0 9,184
DISNEY WALT CO COM 254687106   26,725,969 307,619 SH   SOLE   289,249 0 18,370
HONEYWELL INTL INC COM 438516106   475,253 2,218 SH   SOLE   2,218 0 0
SEMPRA COM 816851109   209,692 1,357 SH   SOLE   1,357 0 0
JOHNSON & JOHNSON COM 478160104   43,234,151 244,745 SH   SOLE   230,824 0 13,921
PFIZER INC COM 717081103   28,386,252 553,986 SH   SOLE   523,489 0 30,497
ISHARES TR MSCI EAFE ETF 464287465   28,501,202 434,205 SH   SOLE   413,325 0 20,880
CHEVRON CORP NEW COM 166764100   5,982,869 33,333 SH   SOLE   28,867 0 4,466
MICROSOFT CORP COM 594918104   40,695,462 169,692 SH   SOLE   159,510 0 10,181
CISCO SYS INC COM 17275R102   849,101 17,823 SH   SOLE   17,823 0 0
COCA COLA CO COM 191216100   6,572,060 103,318 SH   SOLE   99,418 0 3,900
LOCKHEED MARTIN CORP COM 539830109   8,583,716 17,644 SH   SOLE   16,785 0 859
PEPSICO INC COM 713448108   7,034,002 38,935 SH   SOLE   36,898 0 2,037
STRYKER CORPORATION COM 863667101   19,749,638 80,779 SH   SOLE   76,432 0 4,347
VERIZON COMMUNICATIONS INC COM 92343V104   14,132,871 358,702 SH   SOLE   336,366 0 22,336
ISHARES TR GBL COMM SVC ETF 464287275   5,285,343 97,050 SH   SOLE   92,362 0 4,688
ISHARES TR US TELECOM ETF 464287713   1,361,672 60,708 SH   SOLE   57,225 0 3,483
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   373,470 10,920 SH   SOLE   10,920 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   4,654,448 62,434 SH   SOLE   58,022 0 4,412
ISHARES TR EXPND TEC SC ETF 464287549   46,503,237 166,083 SH   SOLE   155,180 0 10,903
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   454,041 2,990 SH   SOLE   2,990 0 0
SCHWAB CHARLES CORP COM 808513105   1,260,198 15,136 SH   SOLE   15,136 0 0
DEERE & CO COM 244199105   222,526 519 SH   SOLE   519 0 0
BANK AMERICA CORP COM 060505104   310,793 9,384 SH   SOLE   9,384 0 0
STARBUCKS CORP COM 855244109   336,422 3,391 SH   SOLE   3,391 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   279,705 1,171 SH   SOLE   1,171 0 0
EXXON MOBIL CORP COM 30231G102   449,345 4,074 SH   SOLE   3,974 0 100
AFLAC INC COM 001055102   21,368,251 297,029 SH   SOLE   279,051 0 17,978
WALMART INC COM 931142103   18,166,419 128,122 SH   SOLE   120,488 0 7,634
APPLIED MATLS INC COM 038222105   566,467 5,817 SH   SOLE   5,817 0 0
UNILEVER PLC SPON ADR NEW 904767704   7,152,912 142,064 SH   SOLE   134,535 0 7,529
TEXAS INSTRS INC COM 882508104   301,605 1,825 SH   SOLE   1,825 0 0
BAXTER INTL INC COM 071813109   1,230,610 24,144 SH   SOLE   22,259 0 1,885
TARGET CORP COM 87612E106   14,906,930 100,020 SH   SOLE   95,068 0 4,952
COLGATE PALMOLIVE CO COM 194162103   39,251,824 498,183 SH   SOLE   467,563 0 30,620
CAPITAL ONE FINL CORP COM 14040H105   12,180,964 131,034 SH   SOLE   123,789 0 7,246
COSTCO WHSL CORP NEW COM 22160K105   42,223,119 92,493 SH   SOLE   87,095 0 5,398
LILLY ELI & CO COM 532457108   593,088 1,621 SH   SOLE   1,621 0 0
DANAHER CORPORATION COM 235851102   38,107,524 143,574 SH   SOLE   134,219 0 9,355
MERCK & CO INC COM 58933Y105   25,689,351 231,540 SH   SOLE   218,484 0 13,056
MORGAN STANLEY COM NEW 617446448   356,064 4,188 SH   SOLE   4,188 0 0
PROCTER AND GAMBLE CO COM 742718109   8,816,078 58,169 SH   SOLE   56,228 0 1,941
KIMBERLY-CLARK CORP COM 494368103   6,852,596 50,480 SH   SOLE   47,433 0 3,046
HOME DEPOT INC COM 437076102   1,849,541 5,856 SH   SOLE   5,275 0 581
MCDONALDS CORP COM 580135101   23,050,104 87,467 SH   SOLE   81,449 0 6,018
NIKE INC CL B 654106103   16,740,212 143,067 SH   SOLE   134,684 0 8,382
JPMORGAN CHASE & CO COM 46625H100   36,653,057 273,326 SH   SOLE   256,376 0 16,950
TJX COS INC NEW COM 872540109   26,774,609 336,364 SH   SOLE   317,052 0 19,313
XCEL ENERGY INC COM 98389B100   320,473 4,571 SH   SOLE   4,571 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,684,164 5,063 SH   SOLE   5,063 0 0
SOUTHWEST AIRLS CO COM 844741108   1,886,294 56,023 SH   SOLE   54,417 0 1,606
AMERICAN TOWER CORP NEW COM 03027X100   15,647,041 73,856 SH   SOLE   68,779 0 5,077
RAYTHEON TECHNOLOGIES CORP COM 75513E101   318,302 3,154 SH   SOLE   3,154 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,099,346 5,750 SH   SOLE   5,750 0 0
WASTE MGMT INC DEL COM 94106L109   23,832,597 151,916 SH   SOLE   143,042 0 8,874
DUKE ENERGY CORP NEW COM NEW 26441C204   409,282 3,974 SH   SOLE   3,974 0 0
CONOCOPHILLIPS COM 20825C104   369,778 3,134 SH   SOLE   3,134 0 0
APPLE INC COM 037833100   106,778,606 821,816 SH   SOLE   744,857 0 76,960
CATERPILLAR INC COM 149123101   220,179 919 SH   SOLE   919 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   240,125 1,700 SH   SOLE   1,700 0 0
ROSS STORES INC COM 778296103   14,166,388 122,050 SH   SOLE   113,746 0 8,305
ECOLAB INC COM 278865100   14,655,007 100,680 SH   SOLE   94,433 0 6,247
AMERICAN EXPRESS CO COM 025816109   20,369,959 137,868 SH   SOLE   130,542 0 7,325
EDWARDS LIFESCIENCES CORP COM 28176E108   664,178 8,902 SH   SOLE   8,320 0 582
NORTHROP GRUMMAN CORP COM 666807102   347,008 636 SH   SOLE   636 0 0
NETFLIX INC COM 64110L106   406,640 1,379 SH   SOLE   1,379 0 0
ISHARES TR CORE US AGGBD ET 464287226   95,765,207 987,372 SH   SOLE   915,755 0 71,617
PROLOGIS INC. COM 74340W103   210,330 1,866 SH   SOLE   1,866 0 0
ISHARES TR TIPS BD ETF 464287176   256,840 2,413 SH   SOLE   2,413 0 0
PIPER SANDLER COMPANIES COM 724078100   266,629 2,048 SH   SOLE   2,048 0 0
ACTIVISION BLIZZARD INC COM 00507V109   204,848 2,676 SH   SOLE   2,676 0 0
NVIDIA CORPORATION COM 67066G104   1,510,592 10,337 SH   SOLE   10,337 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100   921,786 3,192 SH   SOLE   3,192 0 0
TRAVELERS COMPANIES INC COM 89417E109   361,439 1,928 SH   SOLE   247 0 1,681
NETEASE INC SPONSORED ADS 64110W102   273,089 3,760 SH   SOLE   3,760 0 0
YUM BRANDS INC COM 988498101   294,328 2,298 SH   SOLE   2,298 0 0
ALPHABET INC CAP STK CL A 02079K305   32,388,580 367,093 SH   SOLE   349,299 0 17,794
VANGUARD INDEX FDS VALUE ETF 922908744   3,585,913 25,546 SH   SOLE   24,385 0 1,161
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   4,579,287 18,461 SH   SOLE   17,035 0 1,426
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,090,293 25,343 SH   SOLE   23,836 0 1,507
BLACKROCK INC COM 09247X101   817,759 1,154 SH   SOLE   1,154 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   38,064,260 178,613 SH   SOLE   168,924 0 9,689
INTERCONTINENTAL EXCHANGE IN COM 45866F104   16,941,862 165,141 SH   SOLE   155,838 0 9,304
ASML HOLDING N V N Y REGISTRY SHS N07059210   16,362,751 29,946 SH   SOLE   28,218 0 1,728
SPDR SER TR S&P DIVID ETF 78464A763   84,931,477 678,854 SH   SOLE   644,073 0 34,781
ANSYS INC COM 03662Q105   16,293,796 67,444 SH   SOLE   63,282 0 4,162
THERMO FISHER SCIENTIFIC INC COM 883556102   18,568,165 33,718 SH   SOLE   31,691 0 2,027
BLACKROCK MUNIHLDNGS CALI QL COM 09254L107   117,184 10,911 SH   SOLE   10,911 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   1,485,026 6,780 SH   SOLE   6,218 0 562
MASTERCARD INCORPORATED CL A 57636Q104   41,779,393 120,149 SH   SOLE   113,492 0 6,657
ISHARES TR U.S. MED DVC ETF 464288810   1,737,767 33,056 SH   SOLE   30,382 0 2,674
WISDOMTREE TR US MIDCAP DIVID 97717W505   9,703,857 235,874 SH   SOLE   226,508 0 9,366
WISDOMTREE TR US SMALLCAP DIVD 97717W604   8,583,795 301,821 SH   SOLE   288,078 0 13,743
ISHARES TR MSCI USA ESG SLC 464288802   2,772,126 33,675 SH   SOLE   32,055 0 1,620
NUVEEN CA QUALTY MUN INCOME COM 67066Y105   512,430 46,290 SH   SOLE   46,290 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105   192,562 16,936 SH   SOLE   16,936 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   10,648,472 61,128 SH   SOLE   55,584 0 5,544
NUVEEN CALIFORNIA AMT QLT MU COM 670651108   136,530 11,100 SH   SOLE   11,100 0 0
ISHARES TR SHORT TREAS BD 464288679   1,446,767 13,162 SH   SOLE   12,700 0 462
ISHARES TR USD INV GRDE ETF 464288620   8,980,640 182,868 SH   SOLE   175,280 0 7,588
ISHARES TR ISHS 1-5YR INVS 464288646   53,147,251 1,066,785 SH   SOLE   1,017,201 0 49,584
ISHARES TR MSCI KLD400 SOC 464288570   703,973 9,806 SH   SOLE   9,031 0 775
BLACKSTONE INC COM 09260D107   15,742,173 212,187 SH   SOLE   199,355 0 12,832
ISHARES TR PFD AND INCM SEC 464288687   1,504,137 49,268 SH   SOLE   46,909 0 2,359
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   10,827,823 44,563 SH   SOLE   41,073 0 3,489
ISHARES TR INTL SEL DIV ETF 464288448   10,286,823 378,749 SH   SOLE   357,236 0 21,513
ISHARES TR 3 7 YR TREAS BD 464288661   415,212 3,614 SH   SOLE   3,614 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   236,763 2,188 SH   SOLE   2,188 0 0
ISHARES TR GOV/CRED BD ETF 464288596   13,712,802 133,653 SH   SOLE   126,782 0 6,871
ISHARES TR ISHS 5-10YR INVT 464288638   3,924,408 79,265 SH   SOLE   75,700 0 3,565
VISA INC COM CL A 92826C839   40,843,004 196,587 SH   SOLE   185,700 0 10,887
VANGUARD WORLD FD MEGA CAP INDEX 921910873   6,639,277 50,146 SH   SOLE   46,434 0 3,712
GUGGENHEIM STRATEGIC OPPORTU COM SBI 40167F101   437,033 28,714 SH   SOLE   28,714 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649   6,224,550 247,694 SH   SOLE   242,397 0 5,297
UNITED SEC BANCSHARES CALIF COM 911460103   690,838 94,506 SH   SOLE   94,506 0 0
CALIFORNIA BANCORP INC COM 13005U101   624,225 26,250 SH   SOLE   26,250 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   373,599 3,583 SH   SOLE   3,583 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205   611,057 12,253 SH   SOLE   11,932 0 321
SPDR SER TR ICE PFD SEC ETF 78464A292   379,169 11,553 SH   SOLE   11,553 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   22,473,485 227,810 SH   SOLE   214,747 0 13,063
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,978,783 88,792 SH   SOLE   86,899 0 1,893
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,245,496 287,038 SH   SOLE   275,745 0 11,293
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   35,573,378 787,893 SH   SOLE   745,563 0 42,330
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,321,267 81,986 SH   SOLE   79,198 0 2,788
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   443,955 7,991 SH   SOLE   7,719 0 272
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   7,480,917 316,051 SH   SOLE   308,306 0 7,745
SPDR SER TR PORTFOLIO SHORT 78464A474   114,208,698 3,887,294 SH   SOLE   3,681,328 0 205,966
TESLA INC COM 88160R101   415,117 3,370 SH   SOLE   3,370 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   574,587 11,911 SH   SOLE   11,911 0 0
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855   6,744,255 115,070 SH   SOLE   108,605 0 6,465
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,764,599 5,022 SH   SOLE   4,710 0 312
ISHARES TR 0-5 YR TIPS ETF 46429B747   56,967,453 587,536 SH   SOLE   556,193 0 31,343
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,252,785 34,336 SH   SOLE   33,729 0 607
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   2,191,569 106,750 SH   SOLE   102,835 0 3,915
ISHARES TR CORE HIGH DV ETF 46429B663   625,648 6,002 SH   SOLE   6,002 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   31,039,983 616,729 SH   SOLE   585,649 0 31,080
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   111,092,688 2,433,575 SH   SOLE   2,314,016 0 119,559
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   438,534 5,805 SH   SOLE   5,805 0 0
ISHARES TR MSCI USA MIN VOL 46429B697   229,422 3,182 SH   SOLE   3,182 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   376,105 8,581 SH   SOLE   8,581 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775   6,616,469 73,126 SH   SOLE   68,635 0 4,491
SPDR SER TR BLOOMBERG INVT 78468R200   751,849 24,740 SH   SOLE   24,740 0 0
META PLATFORMS INC CL A 30303M102   520,711 4,327 SH   SOLE   4,287 0 40
ISHARES INC CORE MSCI EMKT 46434G103   48,336,034 1,035,033 SH   SOLE   959,102 0 75,931
ISHARES TR CORE MSCI EAFE 46432F842   313,076 5,079 SH   SOLE   2,719 0 2,360
ISHARES TR CORE 1 5 YR USD 46432F859   20,400,542 439,288 SH   SOLE   416,446 0 22,842
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   655,108 14,025 SH   SOLE   14,025 0 0
ABBVIE INC COM 00287Y109   294,897 1,825 SH   SOLE   1,825 0 0
ZOETIS INC CL A 98978V103   17,755,720 121,158 SH   SOLE   114,079 0 7,079
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707   726,368 18,166 SH   SOLE   18,166 0 0
ISHARES TR TRS FLT RT BD 46434V860   989,599 19,631 SH   SOLE   19,631 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   698,954 13,904 SH   SOLE   13,904 0 0
ALPHABET INC CAP STK CL C 02079K107   2,736,843 30,845 SH   SOLE   30,085 0 760
FST TR NEW OPPORT MLP & ENE COM 33739M100   70,684 11,683 SH   SOLE   11,683 0 0
ISHARES TR CORE DIV GRWTH 46434V621   375,992 7,520 SH   SOLE   7,377 0 143
ISHARES U S ETF TR INT RT HDG C B 46431W705   61,666,458 681,473 SH   SOLE   643,643 0 37,829
ISHARES TR CORE TOTAL USD 46434V613   29,969,448 667,025 SH   SOLE   635,456 0 31,569
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201   14,940,951 339,182 SH   SOLE   317,416 0 21,766
ISHARES TR EXPONENTIAL TECH 46434V381   8,918,517 188,393 SH   SOLE   178,227 0 10,166
BELLEROPHON THERAPEUTICS INC COM NEW 078771300   9,000 10,000 SH   SOLE   10,000 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788   302,391 7,640 SH   SOLE   7,640 0 0
ISHARES U S ETF TR INT RT HD LONG 46431W812   681,163 29,335 SH   SOLE   29,335 0 0
FORTIVE CORP COM 34959J108   31,490,916 490,131 SH   SOLE   458,290 0 31,841
ISHARES TR ESG AW MSCI EAFE 46435G516   207,475 3,156 SH   SOLE   3,156 0 0
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715   209,898 10,214 SH   SOLE   10,214 0 0
ISHARES TR CORE MSCI INTL 46435G326   244,409 4,366 SH   SOLE   4,366 0 0
ISHARES TR CR 5 10 YR ETF 46435G417   14,240,128 333,025 SH   SOLE   316,095 0 16,929
GLOBAL X FDS US INFR DEV ETF 37954Y673   20,516,348 774,494 SH   SOLE   727,517 0 46,977
ISHARES TR ESG AWRE 1 5 YR 46435G243   7,698,846 323,889 SH   SOLE   317,591 0 6,298
GLOBAL X FDS AUTONMOUS EV ETF 37954Y624   7,860,443 395,594 SH   SOLE   373,861 0 21,732
NIO INC SPON ADS 62914V106   234,907 24,093 SH   SOLE   1,169 0 22,924
VANGUARD WORLD FD ESG INTL STK ETF 921910725   295,681 6,011 SH   SOLE   6,011 0 0
ISHARES TR ESG AWR US AGRGT 46435U549   11,218,290 240,015 SH   SOLE   234,788 0 5,227
DBX ETF TR XTRCKR MSCI US 233051150   1,269,631 36,436 SH   SOLE   34,514 0 1,922
PIMCO ETF TR ENHANCD SHORT 72201R643   4,362,882 45,025 SH   SOLE   42,149 0 2,876
ISHARES TR 0-3 MNTH TREASRY 46436E718   27,551,375 275,129 SH   SOLE   261,632 0 13,497
PALANTIR TECHNOLOGIES INC CL A 69608A108   2,040,282 317,801 SH   SOLE   317,801 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   393,190 16,194 SH   SOLE   16,194 0 0
APPLE INC COM 037833100   81,072 12,500 SH Put SOLE   12,500 0 0
APEXIGEN INC COM 03759B102   9,013 13,216 SH   SOLE   13,216 0 0