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
ISHARES TR RUS 1000 ETF 464287622 37,334 209,248 SH   SOLE   0 0 209,248
ISHARES TR MSCI EAFE ETF 464287465 26,145 376,518 SH   SOLE   0 0 376,518
ISHARES TR RUS 1000 VAL ETF 464287598 19,339 141,701 SH   SOLE   0 0 141,701
ISHARES TR RUSSELL 2000 ETF 464287655 16,128 97,351 SH   SOLE   0 0 97,351
ISHARES TR CORE US AGGBD ET 464287226 13,079 116,392 SH   SOLE   0 0 116,392
ISHARES TR 3 7 YR TREAS BD 464288661 11,938 94,933 SH   SOLE   0 0 94,933
PIMCO ETF TR 1-5 US TIP IDX 72201R205 9,900 188,291 SH   SOLE   0 0 188,291
ISHARES TR MBS ETF 464288588 9,806 90,749 SH   SOLE   0 0 90,749
ISHARES TR EAFE VALUE ETF 464288877 7,003 140,252 SH   SOLE   0 0 140,252
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,958 85,874 SH   SOLE   0 0 85,874
ISHARES TR CALIF MUN BD ETF 464288356 6,887 112,476 SH   SOLE   0 0 112,476
ISHARES TR MSCI EMG MKT ETF 464287234 6,387 142,356 SH   SOLE   0 0 142,356
ISHARES TR RUS 2000 VAL ETF 464287630 5,916 46,007 SH   SOLE   0 0 46,007
INVESCO EXCHNG TRADED FD TR PFD ETF 46138E511 5,383 358,649 SH   SOLE   0 0 358,649
ISHARES TR EAFE SML CP ETF 464288273 4,043 64,910 SH   SOLE   0 0 64,910
ISHARES TR MICRO-CAP ETF 464288869 3,544 35,625 SH   SOLE   0 0 35,625
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,475 37,445 SH   SOLE   0 0 37,445
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 1,977 40,253 SH   SOLE   0 0 40,253
WISDOMTREE TR EMER MKT HIGH FD 97717W315 1,718 37,544 SH   SOLE   0 0 37,544
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,644 10,047 SH   SOLE   0 0 10,047
WISDOMTREE TR INTL SMCAP DIV 97717W760 1,543 21,698 SH   SOLE   0 0 21,698
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,492 16,339 SH   SOLE   0 0 16,339
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,416 4,787 SH   SOLE   0 0 4,787
APPLE INC COM 037833100 1,406 4,790 SH   SOLE   0 0 4,790
VANGUARD STAR FD VG TL INTL STK F 921909768 1,298 23,316 SH   SOLE   0 0 23,316
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,165 13,892 SH   SOLE   0 0 13,892
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 1,047 19,692 SH   SOLE   0 0 19,692
ISHARES TR CORE S&P500 ETF 464287200 1,034 3,200 SH   SOLE   0 0 3,200
ISHARES TR 0-5 YR TIPS ETF 46429B747 981 9,743 SH   SOLE   0 0 9,743
MICROSOFT CORP COM 594918104 936 5,934 SH   SOLE   0 0 5,934
SPDR S&P 500 ETF TR TR UNIT 78462F103 589 1,821 SH   SOLE   0 0 1,821
VANGUARD GROUP DIV APP ETF 921908844 553 4,439 SH   SOLE   0 0 4,439
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 539 9,534 SH   SOLE   0 0 9,534
PROCTER & GAMBLE CO COM 742718109 518 4,147 SH   SOLE   0 0 4,147
ISHARES TR MSCI UK SM ETF 46429B416 449 10,120 SH   SOLE   0 0 10,120
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 446 10,040 SH   SOLE   0 0 10,040
ALPHABET INC CAP STK CL A 02079K305 434 324 SH   SOLE   0 0 324
CISCO SYS INC COM 17275R102 423 8,812 SH   SOLE   0 0 8,812
SPOTIFY TECHNOLOGY S A SHS L8681T102 399 2,670 SH   SOLE   0 0 2,670
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 392 6,445 SH   SOLE   0 0 6,445
JOHNSON & JOHNSON COM 478160104 377 2,581 SH   SOLE   0 0 2,581
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 342 11,877 SH   SOLE   0 0 11,877
NETFLIX INC COM 64110L106 341 1,054 SH   SOLE   0 0 1,054
INTEL CORP COM 458140100 340 5,684 SH   SOLE   0 0 5,684
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 340 2,701 SH   SOLE   0 0 2,701
ISHARES TR ESG MSCI USA SML 46435U663 317 10,976 SH   SOLE   0 0 10,976
VANGUARD INDEX FDS SML CP GRW ETF 922908595 307 1,544 SH   SOLE   0 0 1,544
DEERE & CO COM 244199105 295 1,694 SH   SOLE   0 0 1,694
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 295 1,857 SH   SOLE   0 0 1,857
VANGUARD INDEX FDS MID CAP ETF 922908629 289 1,621 SH   SOLE   0 0 1,621
ISHARES TR TIPS BD ETF 464287176 279 2,390 SH   SOLE   0 0 2,390
ISHARES TR ESG MSCI EAFE 46435G516 269 3,920 SH   SOLE   0 0 3,920
SALESFORCE COM INC COM 79466L302 268 1,648 SH   SOLE   0 0 1,648
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 258 1,140 SH   SOLE   0 0 1,140
ISHARES TR MSCI UK ETF NEW 46435G334 254 7,462 SH   SOLE   0 0 7,462
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 249 5,661 SH   SOLE   0 0 5,661
DISNEY WALT CO COM DISNEY 254687106 240 1,646 SH   SOLE   0 0 1,646
ABBOTT LABS COM 002824100 240 2,768 SH   SOLE   0 0 2,768
VANGUARD INDEX FDS SMALL CP ETF 922908751 237 1,432 SH   SOLE   0 0 1,432
INVESCO EXCHNG TRADED FD TR SOLAR ETF 46138G706 236 7,675 SH   SOLE   0 0 7,675
ISHARES TR MSCI KLD400 SOC 464288570 229 1,904 SH   SOLE   0 0 1,904
SPDR SERIES TRUST FTSE INT GVT ETF 78464A490 227 4,123 SH   SOLE   0 0 4,123
ISHARES TR CORE S&P SCP ETF 464287804 223 2,664 SH   SOLE   0 0 2,664
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 217 1,775 SH   SOLE   0 0 1,775
THE CHARLES SCHWAB CORPORATI COM 808513105 216 4,535 SH   SOLE   0 0 4,535
ISHARES TR MSCI USA ESG SLC 464288802 214 1,600 SH   SOLE   0 0 1,600
ISHARES TR ESG MSCI USA ETF 46435G425 209 2,928 SH   SOLE   0 0 2,928
ISHARES TR S&P 500 VAL ETF 464287408 208 1,597 SH   SOLE   0 0 1,597
AUTOMATIC DATA PROCESSING IN COM 053015103 204 1,191 SH   SOLE   0 0 1,191
COCA COLA CO COM 191216100 203 3,665 SH   SOLE   0 0 3,665
ABEONA THERAPEUTICS INC COM 00289Y107 48 14,530 SH   SOLE   0 0 14,530