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
ABBOTT LABS COM 002824100 1,078 12,414 SH   SOLE 0 0 12,414
ABBVIE INC COM 00287Y109 1,078 12,173 SH   SOLE 0 0 12,173
ALLERGAN PLC SHS G0177J108 412 2,156 SH   SOLE 0 0 2,156
ALPHABET INC CAP STK CL A 02079K305 461 344 SH   SOLE 0 0 344
ALPHABET INC CAP STK CL C 02079K107 334 250 SH   SOLE 0 0 250
AMAZON COM INC COM 023135106 1,177 637 SH   SOLE 0 0 637
AMEREN CORP COM 023608102 607 7,903 SH   SOLE 0 0 7,903
AMGEN INC COM 031162100 296 1,229 SH   SOLE 0 0 1,229
AON PLC SHS CL A G0408V102 1,524 7,319 SH   SOLE 0 0 7,319
APPLE INC COM 037833100 5,269 17,942 SH   SOLE 0 0 17,942
AT&T INC COM 00206R102 514 13,165 SH   SOLE 0 0 13,165
BANK AMER CORP COM 060505104 510 14,474 SH   SOLE 0 0 14,474
BAXTER INTL INC COM 071813109 640 7,652 SH   SOLE 0 0 7,652
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 980 4,325 SH   SOLE 0 0 4,325
BOEING CO COM 097023105 1,135 3,483 SH   SOLE 0 0 3,483
BRISTOL MYERS SQUIBB CO COM 110122108 243 3,785 SH   SOLE 0 0 3,785
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 220 3,802 SH   SOLE 0 0 3,802
CHARTER COMMUNICATIONS INC N CL A 16119P108 519 1,069 SH   SOLE 0 0 1,069
CHEVRON CORP NEW COM 166764100 236 1,957 SH   SOLE 0 0 1,957
CIGNA CORP NEW COM 125523100 215 1,053 SH   SOLE 0 0 1,053
COSTCO WHSL CORP NEW COM 22160K105 213 723 SH   SOLE 0 0 723
CVS HEALTH CORP COM 126650100 238 3,199 SH   SOLE 0 0 3,199
DISNEY WALT CO COM DISNEY 254687106 685 4,740 SH   SOLE 0 0 4,740
DOMINION ENERGY INC COM 25746U109 201 2,423 SH   SOLE 0 0 2,423
DUPONT DE NEMOURS INC COM 26614N102 218 3,393 SH   SOLE 0 0 3,393
EDISON INTL COM 281020107 322 4,269 SH   SOLE 0 0 4,269
EDWARDS LIFESCIENCES CORP COM 28176E108 1,251 5,361 SH   SOLE 0 0 5,361
FIDELITY COVINGTON TR MSCI RL EST ETF 316092857 20,047 719,571 SH   SOLE 0 0 719,571
FIRSTENERGY CORP COM 337932107 732 15,058 SH   SOLE 0 0 15,058
GENERAL DYNAMICS CORP COM 369550108 1,339 7,593 SH   SOLE 0 0 7,593
HOME DEPOT INC COM 437076102 1,414 6,474 SH   SOLE 0 0 6,474
INTEGRA LIFESCIENCES HLDGS C COM NEW 457985208 628 10,781 SH   SOLE 0 0 10,781
INTEL CORP COM 458140100 292 4,880 SH   SOLE 0 0 4,880
INVESCO QQQ TR UNIT SER 1 46090E103 251 1,180 SH   SOLE 0 0 1,180
ISHARES INC CORE MSCI EMKT 46434G103 4,283 79,669 SH   SOLE 0 0 79,669
ISHARES INC EM MKT SM-CP ETF 464286475 848 18,745 SH   SOLE 0 0 18,745
ISHARES INC MSCI BRIC INDX 464286657 3,679 81,211 SH   SOLE 0 0 81,211
ISHARES TR 0-5 YR TIPS ETF 46429B747 923 9,164 SH   SOLE 0 0 9,164
ISHARES TR 1 3 YR TREAS BD 464287457 2,930 34,624 SH   SOLE 0 0 34,624
ISHARES TR 3 7 YR TREAS BD 464288661 398 3,167 SH   SOLE 0 0 3,167
ISHARES TR CALIF MUN BD ETF 464288356 11,857 193,654 SH   SOLE 0 0 193,654
ISHARES TR CORE INTL AGGR 46435G672 26,475 483,210 SH   SOLE 0 0 483,210
ISHARES TR CORE MSCI EAFE 46432F842 13,258 203,216 SH   SOLE 0 0 203,216
ISHARES TR CORE MSCI EURO 46434V738 1,505 30,185 SH   SOLE 0 0 30,185
ISHARES TR CORE MSCI TOTAL 46432F834 3,396 54,865 SH   SOLE 0 0 54,865
ISHARES TR CORE S&P MCP ETF 464287507 2,941 14,288 SH   SOLE 0 0 14,288
ISHARES TR CORE S&P SCP ETF 464287804 609 7,265 SH   SOLE 0 0 7,265
ISHARES TR CORE S&P TTL STK 464287150 9,175 126,226 SH   SOLE 0 0 126,226
ISHARES TR CORE S&P US VLU 464287663 1,479 23,465 SH   SOLE 0 0 23,465
ISHARES TR CORE S&P500 ETF 464287200 4,655 14,401 SH   SOLE 0 0 14,401
ISHARES TR CORE US AGGBD ET 464287226 3,827 34,053 SH   SOLE 0 0 34,053
ISHARES TR CRE U S REIT ETF 464288521 10,582 193,849 SH   SOLE 0 0 193,849
ISHARES TR EAFE SML CP ETF 464288273 11,066 177,679 SH   SOLE 0 0 177,679
ISHARES TR INTL TREA BD ETF 464288117 3,533 70,415 SH   SOLE 0 0 70,415
ISHARES TR MSCI EAFE ETF 464287465 948 13,654 SH   SOLE 0 0 13,654
ISHARES TR MSCI EMG MKT ETF 464287234 341 7,600 SH   SOLE 0 0 7,600
ISHARES TR NORTH AMERN NAT 464287374 4,938 164,061 SH   SOLE 0 0 164,061
ISHARES TR RUS 1000 ETF 464287622 342 1,916 SH   SOLE 0 0 1,916
ISHARES TR RUS 1000 GRW ETF 464287614 1,349 7,669 SH   SOLE 0 0 7,669
ISHARES TR RUS 1000 VAL ETF 464287598 550 4,032 SH   SOLE 0 0 4,032
ISHARES TR RUS MD CP GR ETF 464287481 343 2,246 SH   SOLE 0 0 2,246
ISHARES TR RUS MDCP VAL ETF 464287473 2,640 27,855 SH   SOLE 0 0 27,855
ISHARES TR RUSSELL 2000 ETF 464287655 254 1,532 SH   SOLE 0 0 1,532
ISHARES TR RUSSELL 3000 ETF 464287689 850 4,509 SH   SOLE 0 0 4,509
ISHARES TR S&P 500 VAL ETF 464287408 10,666 81,990 SH   SOLE 0 0 81,990
ISHARES TR S&P MC 400VL ETF 464287705 5,970 34,970 SH   SOLE 0 0 34,970
ISHARES TR SP SMCP600VL ETF 464287879 4,164 25,898 SH   SOLE 0 0 25,898
ISHARES TR TIPS BD ETF 464287176 25,304 217,069 SH   SOLE 0 0 217,069
ISHARES TR U.S. REAL ES ETF 464287739 338 3,630 SH   SOLE 0 0 3,630
JOHNSON & JOHNSON COM 478160104 635 4,352 SH   SOLE 0 0 4,352
JPMORGAN CHASE & CO COM 46625H100 357 2,561 SH   SOLE 0 0 2,561
LABORATORY CORP AMER HLDGS COM NEW 50540R409 209 1,237 SH   SOLE 0 0 1,237
LEIDOS HLDGS INC COM 525327102 715 7,300 SH   SOLE 0 0 7,300
LILLY ELI & CO COM 532457108 356 2,708 SH   SOLE 0 0 2,708
LOCKHEED MARTIN CORP COM 539830109 804 2,064 SH   SOLE 0 0 2,064
MCDONALDS CORP COM 580135101 342 1,731 SH   SOLE 0 0 1,731
MERCK & CO INC COM 58933Y105 1,807 19,867 SH   SOLE 0 0 19,867
MICROSOFT CORP COM 594918104 1,611 10,216 SH   SOLE 0 0 10,216
NORDSTROM INC COM 655664100 302 7,386 SH   SOLE 0 0 7,386
PEPSICO INC COM 713448108 414 3,026 SH   SOLE 0 0 3,026
PFIZER INC COM 717081103 988 25,212 SH   SOLE 0 0 25,212
PHILIP MORRIS INTL INC COM 718172109 307 3,603 SH   SOLE 0 0 3,603
PIMCO CALIF MUN INCOME FD II COM 72200M108 194 19,387 SH   SOLE 0 0 19,387
PNC FINL SVCS GROUP INC COM 693475105 647 4,050 SH   SOLE 0 0 4,050
PPL CORP COM 69351T106 365 10,185 SH   SOLE 0 0 10,185
QUALCOMM INC COM 747525103 1,257 14,251 SH   SOLE 0 0 14,251
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,027 37,517 SH   SOLE 0 0 37,517
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,823 54,209 SH   SOLE 0 0 54,209
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 725 20,927 SH   SOLE 0 0 20,927
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 420 8,328 SH   SOLE 0 0 8,328
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,415 26,475 SH   SOLE 0 0 26,475
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,487 19,338 SH   SOLE 0 0 19,338
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 887 14,761 SH   SOLE 0 0 14,761
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,145 20,217 SH   SOLE 0 0 20,217
SCIENCE APPLICATNS INTL CP N COM 808625107 386 4,433 SH   SOLE 0 0 4,433
SEMPRA ENERGY COM 816851109 2,928 19,332 SH   SOLE 0 0 19,332
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 42,519 921,321 SH   SOLE 0 0 921,321
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 729 28,300 SH   SOLE 0 0 28,300
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 19,904 634,881 SH   SOLE 0 0 634,881
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 8,553 227,529 SH   SOLE 0 0 227,529
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,543 33,507 SH   SOLE 0 0 33,507
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 8,491 266,517 SH   SOLE 0 0 266,517
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 6,590 228,740 SH   SOLE 0 0 228,740
SPDR SERIES TRUST DJ REIT ETF 78464A607 734 7,195 SH   SOLE 0 0 7,195
SPDR SERIES TRUST FTSE INT GVT ETF 78464A490 492 8,923 SH   SOLE 0 0 8,923
SPDR SERIES TRUST PORTFLI TIPS ETF 78464A656 49,101 1,719,810 SH   SOLE 0 0 1,719,810
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 12,695 432,086 SH   SOLE 0 0 432,086
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 9,267 255,778 SH   SOLE 0 0 255,778
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 7,638 234,083 SH   SOLE 0 0 234,083
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 20,364 510,888 SH   SOLE 0 0 510,888
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 561 13,394 SH   SOLE 0 0 13,394
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 10,323 295,703 SH   SOLE 0 0 295,703
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 829 14,526 SH   SOLE 0 0 14,526
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 2,945 53,753 SH   SOLE 0 0 53,753
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 341 5,185 SH   SOLE 0 0 5,185
STARBUCKS CORP COM 855244109 221 2,515 SH   SOLE 0 0 2,515
TORO CO COM 891092108 382 4,800 SH   SOLE 0 0 4,800
UNITED PARCEL SERVICE INC CL B 911312106 1,721 14,699 SH   SOLE 0 0 14,699
UNITED TECHNOLOGIES CORP COM 913017109 500 3,341 SH   SOLE 0 0 3,341
UNITEDHEALTH GROUP INC COM 91324P102 606 2,062 SH   SOLE 0 0 2,062
US BANCORP DEL COM NEW 902973304 346 5,843 SH   SOLE 0 0 5,843
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 3,688 43,975 SH   SOLE 0 0 43,975
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 916 5,768 SH   SOLE 0 0 5,768
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 8,599 72,145 SH   SOLE 0 0 72,145
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 42,807 461,337 SH   SOLE 0 0 461,337
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,447 25,149 SH   SOLE 0 0 25,149
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,713 16,382 SH   SOLE 0 0 16,382
VANGUARD INDEX FDS TOTAL STK MKT 922908769 15,838 96,794 SH   SOLE 0 0 96,794
VANGUARD INDEX FDS VALUE ETF 922908744 12,333 102,907 SH   SOLE 0 0 102,907
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7,742 144,033 SH   SOLE 0 0 144,033
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,583 148,026 SH   SOLE 0 0 148,026
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 9,250 83,259 SH   SOLE 0 0 83,259
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 18,089 410,558 SH   SOLE 0 0 410,558
VISA INC COM CL A 92826C839 200 1,065 SH   SOLE 0 0 1,065
WALMART INC COM 931142103 290 2,438 SH   SOLE 0 0 2,438
WELLS FARGO CO NEW COM 949746101 284 5,285 SH   SOLE 0 0 5,285