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
AMAZON COM INC COM Stock 023135106 499 181 SH   SOLE 0 181 0 0
ISHARES GOLD TRUST ETF 464285105 1,988 117,030 SH   SOLE 0 117,030 0 0
VANGUARD TOTAL STOCK MARKET INDEX ETF ETF 922908769 321,088 2,051,289 SH   SOLE 0 2,051,288 0 0
INVESCO FUNDAMENTAL HIGH YIELD CORPORATE BOND ETF ETF 46138E719 2,491 137,649 SH   SOLE 0 137,649 0 0
COCA COLA CO COM Stock 191216100 419 9,373 SH   SOLE 0 9,373 0 0
VANGUARD REAL ESTATE INDEX ETF ETF 922908553 36,796 468,561 SH   SOLE 0 468,560 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846 918 6,000 SH   SOLE 0 6,000 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 231 2,139 SH   SOLE 0 2,139 0 0
SPDR TR UNIT SER 1 ETF 78462F103 899 2,914 SH   SOLE 0 2,914 0 0
ISHARES S&P 100 ETF ETF 464287101 780 5,475 SH   SOLE 0 5,475 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 252 2,610 SH   SOLE 0 2,610 0 0
ISHARES CORE MSCI PACIFIC ETF ETF 46434V696 5,734 108,810 SH   SOLE 0 108,810 0 0
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 6,997 112,557 SH   SOLE 0 112,557 0 0
BECTON DICKINSON & CO COM Stock 075887109 388 1,620 SH   SOLE 0 1,620 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 5,471 83,733 SH   SOLE 0 83,733 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 5,832 79,380 SH   SOLE 0 79,380 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 782 26,280 SH   SOLE 0 26,280 0 0
PIMCO ENHANCED SHORT MATURITY ETF ETF 72201R833 233 2,288 SH   SOLE 0 2,288 0 0
ISHARE S&P SMALL-CAP 600 ETF 464287804 783 11,465 SH   SOLE 0 11,465 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 223 1,249 SH   SOLE 0 1,249 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 6,506 267,193 SH   SOLE 0 267,193 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 7,506 253,849 SH   SOLE 0 253,849 0 0
JPMORGAN BETABUILDERS EUROPE ETF ETF 46641Q720 688 31,020 SH   SOLE 0 31,020 0 0
TENABLE HLDGS INC COM Stock 88025T102 3,584 120,220 SH   SOLE 0 120,220 0 0
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 1,449 9,943 SH   SOLE 0 9,943 0 0
VANGUARD MID-CAP INDEX FUND ETF 922908629 247 1,507 SH   SOLE 0 1,507 0 0
LINDE PLC SHS Stock G5494J103 308 1,452 SH   SOLE 0 1,452 0 0
VANGUARD FTSE EUROPE INDEX ETF ETF 922042874 57,206 1,136,620 SH   SOLE 0 1,136,619 0 0
SCHWAB U.S. TIPS ETF ETF 808524870 1,062 17,692 SH   SOLE 0 17,692 0 0
VANGUARD S&P 500 ETF ETF 922908363 255 898 SH   SOLE 0 898 0 0
SCHWAB U.S. REIT ETF ETF 808524847 320 9,077 SH   SOLE 0 9,077 0 0
VANGUARD FTSE PACIFIC INDEX ETF ETF 922042866 61,893 972,390 SH   SOLE 0 972,389 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839 4,619 82,123 SH   SOLE 0 82,123 0 0
ISHARES MSCI ETF EAFE MINIMUM VOLATILITY ETF 46429B689 1,268 19,199 SH   SOLE 0 19,199 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF 46429B697 6,596 108,796 SH   SOLE 0 108,796 0 0
INVESCO TOTAL RETURN BOND ETF ETF 46090A804 1,894 33,170 SH   SOLE 0 33,170 0 0
VANGUARD TOTAL BOND INDEX ETF ETF 921937835 1,923 21,764 SH   SOLE 0 21,764 0 0
INVESCO S&P MIDCAP LOW VOLATILITY ETF ETF 46138E198 5,103 123,330 SH   SOLE 0 123,330 0 0
VANGUARD TOTAL INTERNATIONAL BOND ETF ETF 92203J407 418 7,236 SH   SOLE 0 7,236 0 0
ISHARES RUSSELL MIDCAP INDEX ETF 464287499 217 4,054 SH   SOLE 0 4,054 0 0
VANGUARD INTERMEDIATE-TERM B ETF 921937819 580 6,219 SH   SOLE 0 6,219 0 0
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 625 6,532 SH   SOLE 0 6,532 0 0
ISHARES S&P NAT AMT-FREE MUN ETF 464288414 33,400 289,426 SH   SOLE 0 289,426 0 0
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 10,147 237,296 SH   SOLE 0 237,296 0 0
ISHARES S&P SMALL-CAP 600 VALUE INDEX ETF ETF 464287879 94,887 788,291 SH   SOLE 0 788,290 0 0
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1,648 19,831 SH   SOLE 0 19,831 0 0
VANGUARD MEGA CAP ETF ETF 921910873 2,297 20,989 SH   SOLE 0 20,989 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 233 1,293 SH   SOLE 0 1,293 0 0
EXXON MOBIL CORP COM Stock 30231G102 305 6,818 SH   SOLE 0 6,818 0 0
APPLE INC Stock 037833100 201 551 SH   SOLE 0 551 0 0