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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
WISDOMTREE U.S. SMALLCAP EARNINGS FUND ETF 97717W562 611 19,084 SH   SOLE 0 19,084 0 0
ISHARES GOLD TRUST ETF 464285105 1,458 118,625 SH   SOLE 0 118,625 0 0
JOHNSON & JOHNSON COM Stock 478160104 416 3,225 SH   SOLE 0 3,225 0 0
VANGUARD TOTAL STOCK MARKET INDEX ETF ETF 922908769 300,166 2,351,843 SH   SOLE 0 2,351,842 0 0
INVESCO FUNDAMENTAL HIGH YIELD CORPORATE BOND ETF ETF 46138E719 2,619 148,190 SH   SOLE 0 148,190 0 0
VANGUARD REAL ESTATE INDEX ETF ETF 922908553 37,556 503,639 SH   SOLE 0 503,638 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846 747 6,000 SH   SOLE 0 6,000 0 0
SPDR TR UNIT SER 1 ETF 78462F103 468 1,871 SH   SOLE 0 1,871 0 0
ISHARES CORE MSCI PACIFIC ETF ETF 46434V696 2,022 39,953 SH   SOLE 0 39,953 0 0
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 5,920 101,293 SH   SOLE 0 101,293 0 0
PIMCO 1-5 YEAR U.S. TIPS INDEX EXCHANGE-TRADED FUND ETF 72201R205 250 4,922 SH   SOLE 0 4,922 0 0
DOWDUPONT INC COM Stock 26078J100 492 9,204 SH   SOLE 0 9,203 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 1,969 32,454 SH   SOLE 0 32,454 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 6,310 105,297 SH   SOLE 0 105,297 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 210 7,396 SH   SOLE 0 7,396 0 0
FS KKR CAPITAL CORP COM CEF 302635107 152 29,265 SH   SOLE 0 29,265 0 0
ISHARE S&P SMALL-CAP 600 ETF 464287804 864 12,465 SH   SOLE 0 12,465 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,311 6,419 SH   SOLE 0 6,419 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 3,330 141,532 SH   SOLE 0 141,532 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 3,180 109,274 SH   SOLE 0 109,274 0 0
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 1,273 9,644 SH   SOLE 0 9,644 0 0
VANGUARD FTSE EUROPE INDEX ETF ETF 922042874 59,536 1,224,521 SH   SOLE 0 1,224,521 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 314 6,378 SH   SOLE 0 6,378 0 0
SCHWAB U.S. TIPS ETF ETF 808524870 2,677 50,273 SH   SOLE 0 50,273 0 0
SCHWAB U.S. REIT ETF ETF 808524847 260 6,741 SH   SOLE 0 6,741 0 0
VANGUARD FTSE PACIFIC INDEX ETF ETF 922042866 61,870 1,020,458 SH   SOLE 0 1,020,458 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839 5,411 106,955 SH   SOLE 0 106,955 0 0
ISHARES MSCI ETF EAFE MINIMUM VOLATILITY ETF 46429B689 610 9,158 SH   SOLE 0 9,158 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF 46429B697 2,093 39,951 SH   SOLE 0 39,951 0 0
VANGUARD BOND INDEX FUND TOTAL BOND MARKET ETF 921937835 729 9,209 SH   SOLE 0 9,209 0 0
ISHARES RUSSELL MIDCAP INDEX ETF 464287499 236 5,084 SH   SOLE 0 5,084 0 0
A T & T INC NEW Stock 00206R102 405 14,174 SH   SOLE 0 14,173 0 0
VANGUARD INTERMEDIATE-TERM B ETF 921937819 494 6,080 SH   SOLE 0 6,080 0 0
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 727 7,633 SH   SOLE 0 7,633 0 0
ISHARES S&P NAT AMT-FREE MUN ETF 464288414 45,725 419,338 SH   SOLE 0 419,338 0 0
VANGUARD MSCI EAFE ETF ETF 921943858 672 18,107 SH   SOLE 0 18,107 0 0
VANGUARD EMERGING MARKET ETF 922042858 237 6,212 SH   SOLE 0 6,212 0 0
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 4,253 102,914 SH   SOLE 0 102,914 0 0
ISHARES S&P SMALL-CAP 600 VALUE INDEX ETF ETF 464287879 91,112 691,031 SH   SOLE 0 691,030 0 0
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 348 4,430 SH   SOLE 0 4,430 0 0
VANGUARD MEGA CAP ETF ETF 921910873 3,393 39,051 SH   SOLE 0 39,051 0 0
SPDR BLOOMBERG BARCLAYS HIGH YIELD BOND ETF ETF 78464A417 253 7,526 SH   SOLE 0 7,526 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 228 1,555 SH   SOLE 0 1,555 0 0
EXXON MOBIL CORP COM Stock 30231G102 278 4,077 SH   SOLE 0 4,077 0 0