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
ALPHABET INC CAP STK CL A 02079K305   980,065 7,016 SH   SOLE 0 0 0 7,016
ALPHABET INC CAP STK CL C 02079K107   1,586,308 11,256 SH   SOLE 0 0 0 11,256
AMAZON COM INC COM 023135106   898,421 5,913 SH   SOLE 0 0 0 5,913
AMERICAN CENTY ETF TR US EQT ETF 025072885   7,529,196 92,326 SH   SOLE 0 0 0 92,326
APPLE INC COM 037833100   6,074,097 31,549 SH   SOLE 0 0 0 31,549
BANK AMERICA CORP COM 060505104   226,724 6,734 SH   SOLE 0 0 0 6,734
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   351,310 985 SH   SOLE 0 0 0 985
BIO RAD LABS INC CL A 090572207   840,160 2,602 SH   SOLE 0 0 0 2,602
BOEING CO COM 097023105   207,485 796 SH   SOLE 0 0 0 796
BOX INC CL A 10316T104   1,015,616 39,657 SH   SOLE 0 0 0 39,657
COMCAST CORP NEW CL A 20030N101   1,261,793 28,775 SH   SOLE 0 0 0 28,775
DBX ETF TR XTRCKR MSCI US 233051150   4,276,009 96,655 SH   SOLE 0 0 0 96,655
DBX ETF TR XTKR EMGRIN MKTS 233051192   1,183,253 42,714 SH   SOLE 0 0 0 42,714
EXXON MOBIL CORP COM 30231G102   206,351 2,064 SH   SOLE 0 0 0 2,064
FIRST TR EXCH TRADED FD III LNG/SHT EQUITY 33739P103   5,090,707 90,485 SH   SOLE 0 0 0 90,485
FLEXSHARES TR MORNSTAR UPSTR 33939L407   6,446,142 157,415 SH   SOLE 0 0 0 157,415
FLEXSHARES TR STOXX GLOBR INF 33939L795   1,848,110 34,544 SH   SOLE 0 0 0 34,544
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230   2,721,907 54,427 SH   SOLE 0 0 0 54,427
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   23,421,527 717,132 SH   SOLE 0 0 0 717,132
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   3,866,258 113,613 SH   SOLE 0 0 0 113,613
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   21,905,522 727,758 SH   SOLE 0 0 0 727,758
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804   41,018,140 868,293 SH   SOLE 0 0 0 868,293
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   5,816,896 241,967 SH   SOLE 0 0 0 241,967
INVESCO QQQ TR UNIT SER 1 46090E103   415,342 1,014 SH   SOLE 0 0 0 1,014
ISHARES INC MSCI EMERG MRKT 464286533   16,090,559 289,451 SH   SOLE 0 0 0 289,451
ISHARES TR CORE S&P SCP ETF 464287804   2,038,815 18,834 SH   SOLE 0 0 0 18,834
ISHARES TR RUSEL 2500 ETF 46435G268   20,716,847 336,476 SH   SOLE 0 0 0 336,476
ISHARES TR MSCI KLD400 SOC 464288570   4,480,767 49,212 SH   SOLE 0 0 0 49,212
ISHARES TR ESG AWR US AGRGT 46435U549   2,369,806 49,640 SH   SOLE 0 0 0 49,640
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,890,924 77,244 SH   SOLE 0 0 0 77,244
ISHARES TR ESG AW MSCI EAFE 46435G516   1,764,167 23,354 SH   SOLE 0 0 0 23,354
ISHARES TR MSCI GBL SUS DEV 46435G532   400,220 4,938 SH   SOLE 0 0 0 4,938
ISHARES TR SHRT NAT MUN ETF 464288158   9,458,529 89,714 SH   SOLE 0 0 0 89,714
ISHARES TR NATIONAL MUN ETF 464288414   3,192,414 29,448 SH   SOLE 0 0 0 29,448
ISHARES TR S&P 500 GRWT ETF 464287309   416,682 5,548 SH   SOLE 0 0 0 5,548
ISHARES TR CORE US AGGBD ET 464287226   218,058 2,197 SH   SOLE 0 0 0 2,197
ISHARES TR USD GRN BOND ETF 46435U440   575,130 12,177 SH   SOLE 0 0 0 12,177
ISHARES TR CALIF MUN BD ETF 464288356   16,137,190 278,516 SH   SOLE 0 0 0 278,516
ISHARES TR CORE DIV GRWTH 46434V621   2,441,217 45,359 SH   SOLE 0 0 0 45,359
ISHARES TR CORE INTL AGGR 46435G672   11,909,968 239,156 SH   SOLE 0 0 0 239,156
ISHARES TR CORE S&P US GWT 464287671   8,998,188 86,438 SH   SOLE 0 0 0 86,438
ISHARES TR INTL EQTY FACTOR 46434V274   5,366,164 191,444 SH   SOLE 0 0 0 191,444
ISHARES TR RUS 1000 GRW ETF 464287614   1,359,442 4,484 SH   SOLE 0 0 0 4,484
ISHARES TR CORE MSCI EAFE 46432F842   5,255,341 74,703 SH   SOLE 0 0 0 74,703
ISHARES TR MSCI EAFE ETF 464287465   4,220,537 56,012 SH   SOLE 0 0 0 56,012
ISHARES TR CORE 1 5 YR USD 46432F859   7,255,156 152,547 SH   SOLE 0 0 0 152,547
ISHARES TR CORE S&P500 ETF 464287200   296,562 621 SH   SOLE 0 0 0 621
ISHARES TR MSCI USA ESG SLC 464288802   253,572 2,523 SH   SOLE 0 0 0 2,523
ISHARES TR US INFRASTRUC 46435U713   6,811,193 169,138 SH   SOLE 0 0 0 169,138
ISHARES TR GLB INFRASTR ETF 464288372   987,788 20,994 SH   SOLE 0 0 0 20,994
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   3,906,492 76,658 SH   SOLE 0 0 0 76,658
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   258,245 5,141 SH   SOLE 0 0 0 5,141
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   263,899 5,201 SH   SOLE 0 0 0 5,201
MARQETA INC CLASS A COM 57142B104   241,494 34,598 SH   SOLE 0 0 0 34,598
MICROSOFT CORP COM 594918104   793,691 2,111 SH   SOLE 0 0 0 2,111
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   1,756,444 59,702 SH   SOLE 0 0 0 59,702
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   1,327,753 33,958 SH   SOLE 0 0 0 33,958
NVIDIA CORPORATION COM 67066G104   773,800 1,563 SH   SOLE 0 0 0 1,563
ORACLE CORP COM 68389X105   310,173 2,942 SH   SOLE 0 0 0 2,942
PACER FDS TR US CASH COWS 100 69374H881   26,871,353 516,856 SH   SOLE 0 0 0 516,856
PEPSICO INC COM 713448108   261,554 1,540 SH   SOLE 0 0 0 1,540
SALESFORCE INC COM 79466L302   522,070 1,984 SH   SOLE 0 0 0 1,984
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   306,686 5,509 SH   SOLE 0 0 0 5,509
SCHWAB STRATEGIC TR US REIT ETF 808524847   2,177,231 105,129 SH   SOLE 0 0 0 105,129
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   373,745 13,771 SH   SOLE 0 0 0 13,771
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   320,126 5,676 SH   SOLE 0 0 0 5,676
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   238,355 6,449 SH   SOLE 0 0 0 6,449
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   59,947,159 722,603 SH   SOLE 0 0 0 722,603
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   7,218,200 180,185 SH   SOLE 0 0 0 180,185
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152   1,110,090 21,767 SH   SOLE 0 0 0 21,767
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   4,351,985 59,549 SH   SOLE 0 0 0 59,549
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   563,134 9,941 SH   SOLE 0 0 0 9,941
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   24,078,537 707,984 SH   SOLE 0 0 0 707,984
SPDR SER TR PRTFLO S&P500 VL 78464A508   342,062 7,336 SH   SOLE 0 0 0 7,336
SPDR SER TR S&P DIVID ETF 78464A763   243,318 1,947 SH   SOLE 0 0 0 1,947
SPDR SER TR PORTFOLIO S&P600 78468R853   615,466 14,591 SH   SOLE 0 0 0 14,591
SPDR SER TR PRTFLO S&P500 GW 78464A409   620,490 9,537 SH   SOLE 0 0 0 9,537
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   12,664,866 681,273 SH   SOLE 0 0 0 681,273
SPDR SER TR PORTFOLIO AGRGTE 78464A649   266,405 10,390 SH   SOLE 0 0 0 10,390
SPDR SER TR PORTFOLIO S&P400 78464A847   2,744,990 56,342 SH   SOLE 0 0 0 56,342
SPDR SER TR NUVEEN BLMBRG SH 78468R739   6,265,899 131,113 SH   SOLE 0 0 0 131,113
SPDR SER TR PORTFOLIO S&P500 78464A854   341,530 6,110 SH   SOLE 0 0 0 6,110
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   274,309 3,730 SH   SOLE 0 0 0 3,730
VANGUARD BD INDEX FDS INTERMED TERM 921937819   47,201,497 617,982 SH   SOLE 0 0 0 617,982
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,763,942 8,269 SH   SOLE 0 0 0 8,269
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   887,143 10,040 SH   SOLE 0 0 0 10,040
VANGUARD INDEX FDS MID CAP ETF 922908629   3,140,173 13,498 SH   SOLE 0 0 0 13,498
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   47,750,138 109,318 SH   SOLE 0 0 0 109,318
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,450,137 6,113 SH   SOLE 0 0 0 6,113
VANGUARD INDEX FDS GROWTH ETF 922908736   7,162,667 23,040 SH   SOLE 0 0 0 23,040
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   526,228 10,308 SH   SOLE 0 0 0 10,308
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   10,124,913 59,419 SH   SOLE 0 0 0 59,419
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,050,645 87,140 SH   SOLE 0 0 0 87,140
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   525,930 10,980 SH   SOLE 0 0 0 10,980
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   707,846 6,341 SH   SOLE 0 0 0 6,341
VANGUARD WORLD FD ESG INTL STK ETF 921910725   249,953 4,522 SH   SOLE 0 0 0 4,522
VANGUARD WORLD FD ESG US STK ETF 921910733   250,082 2,940 SH   SOLE 0 0 0 2,940
VISA INC COM CL A 92826C839   404,947 1,555 SH   SOLE 0 0 0 1,555