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 20,746 57,955 SH   SOLE   0 0 57,955
TECHNOLOGY SELECT SECTOR SPDR ETF 81369Y803 1,072 7,177 SH   SOLE   0 0 7,177
VANGUARD TOTAL STK MKT ETF 922908769 1,974 8,890 SH   SOLE   0 0 8,890
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 7,292 144,735 SH   SOLE   0 0 144,735
VANGUARD REAL ESTATE INDEX ETF ETF 922908553 10,169 99,913 SH   SOLE   0 0 99,913
DB COMMODITY INDEX TRACKING ETF 46138B103 1,009 50,000 SH   SOLE   0 0 50,000
SPDR DOW JONES INDUSTRIAL ETF ETF 78467X109 785 2,321 SH   SOLE   0 0 2,321
SPDR S&P 500 ETF ETF 78462F103 180,910 421,564 SH   SOLE   0 0 421,564
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 549 8,837 SH   SOLE   0 0 8,837
SPDR GOLD ETF ETF 78463V107 219 1,332 SH   SOLE   0 0 1,332
SCHWAB ETFS- US SMALL-CAP ETF ETF 808524607 12,879 128,657 SH   SOLE   0 0 128,657
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 25,479 658,363 SH   SOLE   0 0 658,363
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 687 6,604 SH   SOLE   0 0 6,604
SCHWAB EMERGING MARKET EQ ETF ETF 808524706 25,405 833,483 SH   SOLE   0 0 833,483
VANGUARD SHORT TERM CORP BOND FD ETF ETF 92206C409 209 2,542 SH   SOLE   0 0 2,542
VANGUARD ESG U.S. STOCK ETF ETF 921910733 867 10,825 SH   SOLE   0 0 10,825
VANGUARD SMALL CAP ETF ETF 922908751 26,037 119,069 SH   SOLE   0 0 119,069
VANGUARD MID CAP ETF 922908629 55,440 234,162 SH   SOLE   0 0 234,162
VANGUARD HEALTH CARE ETF ETF 92204A504 454 1,837 SH   SOLE   0 0 1,837
VANGUARD EUROPEAN ETF 922042874 246 3,752 SH   SOLE   0 0 3,752
VANGUARD INFORMATION TECHNOLOGY ETF 92204A702 354 883 SH   SOLE   0 0 883
VANGUARD S&P 500 ETF ETF 922908363 60,399 153,142 SH   SOLE   0 0 153,142
GLOBAL X CLOUD COMPUTING ETF ETF 37954Y442 750 25,625 SH   SOLE   0 0 25,625
SPDR S&P MIDCAP 400 ETF ETF 78467Y107 224 466 SH   SOLE   0 0 466
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 449 3,000 SH   SOLE   0 0 3,000
SCHWAB US MID-CAP ETF ETF 808524508 19,502 254,395 SH   SOLE   0 0 254,395
ISHARES RUSSELL 2000 ETF ETF 464287655 20,839 95,263 SH   SOLE   0 0 95,263
ISHARES TR HIGH DIVID EQUITY FD ETF 46429B663 223 2,368 SH   SOLE   0 0 2,368
POWERSHARES SP500 LOW VOLATILITY ETF ETF 46138E354 620 10,188 SH   SOLE   0 0 10,188
ISHARES DJ SELECT DIVIDEND ETF 464287168 449 3,912 SH   SOLE   0 0 3,912
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 265 1,563 SH   SOLE   0 0 1,563
KRANESHARES SSE STAR MARKET 50 INDEX ETF ETF 500767694 232 10,000 SH   SOLE   0 0 10,000
PIMCO ACTIVE BOND EXCHANGE-TRADED FUND ETF 72201R775 792 7,163 SH   SOLE   0 0 7,163
VANGUARD GROWTH ETF ETF 922908736 221 760 SH   SOLE   0 0 760
ISHARES NASDAQ BIOTECHNOLOGY ETF 464287556 434 2,682 SH   SOLE   0 0 2,682
ISHARES SEMICONDUCTOR FUND ETF 464287523 1,137 2,550 SH   SOLE   0 0 2,550
ISHARES S&P 500 INDEX ETF 464287200 46,776 108,573 SH   SOLE   0 0 108,573
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 95,042 1,882,386 SH   SOLE   0 0 1,882,386
INVESCO DYNAMIC LEISURE AND ENTERTAINMENT ETF ETF 46137V720 1,284 25,508 SH   SOLE   0 0 25,508
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 30,531 610,501 SH   SOLE   0 0 610,501
VANGUARD HIGH DIVIDEND YIELD ETF 921946406 438 4,240 SH   SOLE   0 0 4,240
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 3,849 25,056 SH   SOLE   0 0 25,056
SPDR DJ WILSHIRE REIT (ETF) ETF 78464A607 663 6,290 SH   SOLE   0 0 6,290
ARK INNOVATION ETF ETF 00214Q104 480 4,347 SH   SOLE   0 0 4,347
ISHARES CORE S&P MID CAP ETF ETF 464287507 306 1,165 SH   SOLE   0 0 1,165
ISHARES MSCI EAFE ETF ETF 464287465 9,256 118,653 SH   SOLE   0 0 118,653
ISHARES TR RUSSELL 1000 INDEX ETF ETF 464287622 14,964 61,910 SH   SOLE   0 0 61,910