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
POWERSHARES QQQ TR ETF 46090E103 18,092 56,692 SH   SOLE   0 0 56,692
TECHNOLOGY SELECT SECTOR SPDR ETF 81369Y803 898 6,760 SH   SOLE   0 0 6,760
VANGUARD TOTAL STK MKT ETF 922908769 1,855 8,972 SH   SOLE   0 0 8,972
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 7,707 144,487 SH   SOLE   0 0 144,487
VANGUARD REAL ESTATE INDEX ETF ETF 922908553 10,434 113,583 SH   SOLE   0 0 113,583
DB COMMODITY INDEX TRACKING ETF 46138B103 532 32,000 SH   SOLE   0 0 32,000
SPDR DOW JONES INDUSTRIAL ETF ETF 78467X109 769 2,330 SH   SOLE   0 0 2,330
SPDR S&P 500 ETF ETF 78462F103 167,026 421,432 SH   SOLE   0 0 421,432
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 545 8,768 SH   SOLE   0 0 8,768
SPDR GOLD ETF ETF 78463V107 230 1,439 SH   SOLE   0 0 1,439
SCHWAB ETFS- US SMALL-CAP ETF ETF 808524607 14,802 148,510 SH   SOLE   0 0 148,510
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 26,472 703,680 SH   SOLE   0 0 703,680
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 630 6,563 SH   SOLE   0 0 6,563
SCHWAB EMERGING MARKET EQ ETF ETF 808524706 27,049 851,130 SH   SOLE   0 0 851,130
VANGUARD ESG U.S. STOCK ETF ETF 921910733 314 4,259 SH   SOLE   0 0 4,259
VANGUARD SMALL CAP ETF ETF 922908751 19,185 89,616 SH   SOLE   0 0 89,616
VANGUARD MID CAP ETF 922908629 48,287 218,158 SH   SOLE   0 0 218,158
VANGUARD HEALTH CARE ETF ETF 92204A504 327 1,428 SH   SOLE   0 0 1,428
VANGUARD INFORMATION TECHNOLOGY ETF 92204A702 316 880 SH   SOLE   0 0 880
VANGUARD S&P 500 ETF ETF 922908363 41,605 114,207 SH   SOLE   0 0 114,207
GLOBAL X CLOUD COMPUTING ETF ETF 37954Y442 472 18,336 SH   SOLE   0 0 18,336
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 222 466 SH   SOLE   0 0 466
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 425 3,000 SH   SOLE   0 0 3,000
SCHWAB US MID-CAP ETF ETF 808524508 19,578 263,039 SH   SOLE   0 0 263,039
ISHARES RUSSELL 2000 ETF ETF 464287655 20,778 94,043 SH   SOLE   0 0 94,043
ISHARES TR HIGH DIVID EQUITY FD ETF 46429B663 223 2,354 SH   SOLE   0 0 2,354
POWERSHARES SP500 LOW VOLATILITY ETF ETF 46138E354 592 10,188 SH   SOLE   0 0 10,188
ISHARES DJ SELECT DIVIDEND ETF 464287168 446 3,912 SH   SOLE   0 0 3,912
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 257 1,551 SH   SOLE   0 0 1,551
KRANESHARES SSE STAR MARKET 50 INDEX ETF ETF 500767694 212 10,000 SH   SOLE   0 0 10,000
PIMCO ACTIVE BOND EXCHANGE-TRADED FUND ETF 72201R775 774 7,075 SH   SOLE   0 0 7,075
ISHARES NASDAQ BIOTECHNOLOGY ETF 464287556 368 2,444 SH   SOLE   0 0 2,444
ISHARES PHLX SOX SEMICONDUCTOR SECTOR INDEX FUND ETF 464287523 572 1,350 SH   SOLE   0 0 1,350
ISHARES S&P 500 INDEX ETF 464287200 43,323 108,901 SH   SOLE   0 0 108,901
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 86,020 1,751,583 SH   SOLE   0 0 1,751,583
INVESCO DYNAMIC LEISURE AND ENTERTAINMENT ETF ETF 46137V720 1,172 25,492 SH   SOLE   0 0 25,492
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 28,149 540,799 SH   SOLE   0 0 540,799
VANGUARD HIGH DIVIDEND YIELD ETF 921946406 445 4,397 SH   SOLE   0 0 4,397
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 3,800 25,838 SH   SOLE   0 0 25,838
SPDR DJ WILSHIRE REIT (ETF) ETF 78464A607 587 6,205 SH   SOLE   0 0 6,205
ARK INNOVATION ETF ETF 00214Q104 383 3,192 SH   SOLE   0 0 3,192
ISHARES CORE S&P MID CAP ETF ETF 464287507 303 1,164 SH   SOLE   0 0 1,164
ISHARES MSCI EAFE ETF ETF 464287465 9,132 120,363 SH   SOLE   0 0 120,363
ISHARES TR RUSSELL 1000 INDEX ETF ETF 464287622 13,312 59,475 SH   SOLE   0 0 59,475