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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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 22,743 57,166 SH   SOLE   0 0 57,166
TECHNOLOGY SELECT SECTOR SPDR ETF 81369Y803 1,250 7,189 SH   SOLE   0 0 7,189
VANGUARD TOTAL STK MKT ETF 922908769 2,619 10,846 SH   SOLE   0 0 10,846
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 7,075 144,828 SH   SOLE   0 0 144,828
VANGUARD REAL ESTATE INDEX ETF ETF 922908553 12,070 104,043 SH   SOLE   0 0 104,043
DB COMMODITY INDEX TRACKING ETF 46138B103 1,430 68,840 SH   SOLE   0 0 68,840
SPDR DOW JONES INDUSTRIAL ETF ETF 78467X109 804 2,213 SH   SOLE   0 0 2,213
SPDR S&P 500 ETF ETF 78462F103 199,096 419,185 SH   SOLE   0 0 419,185
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 554 8,883 SH   SOLE   0 0 8,883
SPDR GOLD ETF ETF 78463V107 229 1,342 SH   SOLE   0 0 1,342
SCHWAB ETFS- US SMALL-CAP ETF ETF 808524607 13,025 127,193 SH   SOLE   0 0 127,193
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 25,849 665,003 SH   SOLE   0 0 665,003
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 373 3,276 SH   SOLE   0 0 3,276
SCHWAB EMERGING MARKET EQ ETF ETF 808524706 25,081 846,767 SH   SOLE   0 0 846,767
VANGUARD SHORT TERM CORP BOND FD ETF ETF 92206C409 218 2,684 SH   SOLE   0 0 2,684
VANGUARD ESG U.S. STOCK ETF ETF 921910733 934 10,629 SH   SOLE   0 0 10,629
VANGUARD SMALL CAP ETF ETF 922908751 33,640 148,845 SH   SOLE   0 0 148,845
VANGUARD MID CAP ETF 922908629 62,528 245,430 SH   SOLE   0 0 245,430
VANGUARD HEALTH CARE ETF ETF 92204A504 498 1,868 SH   SOLE   0 0 1,868
VANGUARD EUROPEAN ETF 922042874 259 3,789 SH   SOLE   0 0 3,789
VANGUARD INFORMATION TECHNOLOGY ETF 92204A702 412 899 SH   SOLE   0 0 899
VANGUARD S&P 500 ETF ETF 922908363 86,947 199,160 SH   SOLE   0 0 199,160
GLOBAL X CLOUD COMPUTING ETF ETF 37954Y442 705 26,594 SH   SOLE   0 0 26,594
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 488 3,000 SH   SOLE   0 0 3,000
SCHWAB US MID-CAP ETF ETF 808524508 20,115 250,096 SH   SOLE   0 0 250,096
ISHARES RUSSELL 2000 ETF ETF 464287655 20,942 94,141 SH   SOLE   0 0 94,141
ISHARES TR HIGH DIVID EQUITY FD ETF 46429B663 257 2,543 SH   SOLE   0 0 2,543
POWERSHARES SP500 LOW VOLATILITY ETF ETF 46138E354 684 9,970 SH   SOLE   0 0 9,970
ISHARES DJ SELECT DIVIDEND ETF 464287168 480 3,912 SH   SOLE   0 0 3,912
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 281 1,573 SH   SOLE   0 0 1,573
KRANESHARES SSE STAR MARKET 50 INDEX ETF ETF 500767694 243 10,000 SH   SOLE   0 0 10,000
PIMCO ACTIVE BOND EXCHANGE-TRADED FUND ETF 72201R775 745 6,806 SH   SOLE   0 0 6,806
ISHARES TR MSCI INDIA INDEX FD ETF 46429B598 320 6,991 SH   SOLE   0 0 6,991
VANGUARD GROWTH ETF ETF 922908736 244 761 SH   SOLE   0 0 761
ISHARES U.S. CONSUMER STAPLES ETF ETF 464287812 1,141 5,700 SH   SOLE   0 0 5,700
ISHARES NASDAQ BIOTECHNOLOGY ETF 464287556 410 2,684 SH   SOLE   0 0 2,684
ISHARES SEMICONDUCTOR FUND ETF 464287523 1,383 2,550 SH   SOLE   0 0 2,550
ISHARES S&P 500 INDEX ETF 464287200 51,568 108,112 SH   SOLE   0 0 108,112
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 106,600 2,087,742 SH   SOLE   0 0 2,087,742
INVESCO DYNAMIC LEISURE AND ENTERTAINMENT ETF ETF 46137V720 1,251 25,539 SH   SOLE   0 0 25,539
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 36,333 734,601 SH   SOLE   0 0 734,601
VANGUARD HIGH DIVIDEND YIELD ETF 921946406 478 4,265 SH   SOLE   0 0 4,265
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 3,795 22,099 SH   SOLE   0 0 22,099
SPDR DJ WILSHIRE REIT (ETF) ETF 78464A607 776 6,351 SH   SOLE   0 0 6,351
ARK INNOVATION ETF ETF 00214Q104 411 4,347 SH   SOLE   0 0 4,347
ISHARES CORE S&P MID CAP ETF ETF 464287507 330 1,166 SH   SOLE   0 0 1,166
ISHARES MSCI EAFE ETF ETF 464287465 9,374 119,144 SH   SOLE   0 0 119,144
ISHARES TR RUSSELL 1000 INDEX ETF ETF 464287622 16,450 62,208 SH   SOLE   0 0 62,208