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 20,377 57,493 SH   SOLE   0 0 57,493
TECHNOLOGY SELECT SECTOR SPDR ETF 81369Y803 1,000 6,771 SH   SOLE   0 0 6,771
VANGUARD TOTAL STK MKT ETF 922908769 1,980 8,885 SH   SOLE   0 0 8,885
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 7,982 144,735 SH   SOLE   0 0 144,735
VANGUARD REAL ESTATE INDEX ETF ETF 922908553 10,308 101,263 SH   SOLE   0 0 101,263
DB COMMODITY INDEX TRACKING ETF 46138B103 963 50,000 SH   SOLE   0 0 50,000
SPDR DOW JONES INDUSTRIAL ETF ETF 78467X109 799 2,315 SH   SOLE   0 0 2,315
SPDR S&P 500 ETF ETF 78462F103 180,369 421,363 SH   SOLE   0 0 421,363
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 551 8,804 SH   SOLE   0 0 8,804
SPDR GOLD ETF ETF 78463V107 238 1,439 SH   SOLE   0 0 1,439
SCHWAB ETFS- US SMALL-CAP ETF ETF 808524607 13,832 132,774 SH   SOLE   0 0 132,774
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 26,688 676,499 SH   SOLE   0 0 676,499
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 684 6,583 SH   SOLE   0 0 6,583
SCHWAB EMERGING MARKET EQ ETF ETF 808524706 27,643 840,726 SH   SOLE   0 0 840,726
VANGUARD ESG U.S. STOCK ETF ETF 921910733 863 10,794 SH   SOLE   0 0 10,794
VANGUARD SMALL CAP ETF ETF 922908751 23,465 104,159 SH   SOLE   0 0 104,159
VANGUARD MID CAP ETF 922908629 53,870 226,964 SH   SOLE   0 0 226,964
VANGUARD HEALTH CARE ETF ETF 92204A504 355 1,436 SH   SOLE   0 0 1,436
VANGUARD EUROPEAN ETF 922042874 251 3,730 SH   SOLE   0 0 3,730
VANGUARD INFORMATION TECHNOLOGY ETF 92204A702 352 883 SH   SOLE   0 0 883
VANGUARD S&P 500 ETF ETF 922908363 54,652 138,879 SH   SOLE   0 0 138,879
GLOBAL X CLOUD COMPUTING ETF ETF 37954Y442 586 20,531 SH   SOLE   0 0 20,531
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 229 466 SH   SOLE   0 0 466
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 452 3,000 SH   SOLE   0 0 3,000
SCHWAB US MID-CAP ETF ETF 808524508 20,253 258,762 SH   SOLE   0 0 258,762
ISHARES RUSSELL 2000 ETF ETF 464287655 21,572 94,050 SH   SOLE   0 0 94,050
ISHARES TR HIGH DIVID EQUITY FD ETF 46429B663 229 2,368 SH   SOLE   0 0 2,368
POWERSHARES SP500 LOW VOLATILITY ETF ETF 46138E354 621 10,188 SH   SOLE   0 0 10,188
ISHARES DJ SELECT DIVIDEND ETF 464287168 456 3,912 SH   SOLE   0 0 3,912
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 270 1,557 SH   SOLE   0 0 1,557
KRANESHARES SSE STAR MARKET 50 INDEX ETF ETF 500767694 275 10,000 SH   SOLE   0 0 10,000
PIMCO ACTIVE BOND EXCHANGE-TRADED FUND ETF 72201R775 790 7,119 SH   SOLE   0 0 7,119
VANGUARD GROWTH ETF ETF 922908736 218 760 SH   SOLE   0 0 760
ISHARES NASDAQ BIOTECHNOLOGY ETF 464287556 391 2,391 SH   SOLE   0 0 2,391
ISHARES SEMICONDUCTOR FUND ETF 464287523 1,158 2,550 SH   SOLE   0 0 2,550
ISHARES S&P 500 INDEX ETF 464287200 46,873 109,027 SH   SOLE   0 0 109,027
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 94,985 1,843,653 SH   SOLE   0 0 1,843,653
INVESCO DYNAMIC LEISURE AND ENTERTAINMENT ETF ETF 46137V720 1,333 25,503 SH   SOLE   0 0 25,503
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 31,966 588,583 SH   SOLE   0 0 588,583
VANGUARD HIGH DIVIDEND YIELD ETF 921946406 445 4,250 SH   SOLE   0 0 4,250
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 3,965 25,619 SH   SOLE   0 0 25,619
SPDR DJ WILSHIRE REIT (ETF) ETF 78464A607 655 6,246 SH   SOLE   0 0 6,246
ARK INNOVATION ETF ETF 00214Q104 512 3,918 SH   SOLE   0 0 3,918
ISHARES CORE S&P MID CAP ETF ETF 464287507 313 1,165 SH   SOLE   0 0 1,165
ISHARES MSCI EAFE ETF ETF 464287465 9,359 118,653 SH   SOLE   0 0 118,653
ISHARES TR RUSSELL 1000 INDEX ETF ETF 464287622 14,297 59,061 SH   SOLE   0 0 59,061