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
FIRST TR EXCHANGE TRADED FD NO AMER ENERGY 33738D101 27,933 1,110,662 SH   SOLE 1,110,662 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,126 28,999 SH   SOLE 28,999 0 0
ISHARES INC CORE MSCI EMKT 46434G103 43,728 850,068 SH   SOLE 850,068 0 0
ISHARES TR CORE S&P TTL STK 464287150 4,610 69,166 SH   SOLE 69,166 0 0
ISHARES TR TIPS BD ETF 464287176 433 3,701 SH   SOLE 3,701 0 0
ISHARES TR CORE S&P500 ETF 464287200 73,990 251,027 SH   SOLE 251,027 0 0
ISHARES TR CORE US AGGBD ET 464287226 5,723 51,038 SH   SOLE 51,038 0 0
ISHARES TR IBOXX INV CP ETF 464287242 7,624 61,293 SH   SOLE 61,293 0 0
ISHARES TR S&P 500 VAL ETF 464287408 13,084 112,225 SH   SOLE 112,225 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 4,219 49,766 SH   SOLE 49,766 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,196 63,840 SH   SOLE 63,840 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 5,256 58,973 SH   SOLE 58,973 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,493 10,471 SH   SOLE 10,471 0 0
ISHARES TR RUS MID CAP ETF 464287499 2,851 51,028 SH   SOLE 51,028 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 3,009 23,655 SH   SOLE 23,655 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 5,110 32,476 SH   SOLE 32,476 0 0
ISHARES TR RUS 1000 ETF 464287622 10,121 62,173 SH   SOLE 62,173 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 4,965 41,201 SH   SOLE 41,201 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 1,451 7,221 SH   SOLE 7,221 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 6,843 44,007 SH   SOLE 44,007 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 292 1,695 SH   SOLE 1,695 0 0
ISHARES TR S&P MC 400VL ETF 464287705 255 1,596 SH   SOLE 1,596 0 0
ISHARES TR CORE S&P SCP ETF 464287804 8,624 110,172 SH   SOLE 110,172 0 0
ISHARES TR SP SMCP600VL ETF 464287879 299 2,010 SH   SOLE 2,010 0 0
ISHARES TR MSCI ACWI ETF 464288257 1,871 25,382 SH   SOLE 25,382 0 0
ISHARES TR EAFE SML CP ETF 464288273 1,670 29,067 SH   SOLE 29,067 0 0
ISHARES TR JPMORGAN USD EMG 464288281 6,629 58,490 SH   SOLE 58,490 0 0
ISHARES TR CALIF MUN BD ETF 464288356 6,370 105,043 SH   SOLE 105,043 0 0
ISHARES TR GLB INFRASTR ETF 464288372 6,741 145,917 SH   SOLE 145,917 0 0
ISHARES TR NATIONAL MUN ETF 464288414 23,030 203,640 SH   SOLE 203,640 0 0
ISHARES TR IBOXX HI YD ETF 464288513 933 10,700 SH   SOLE 10,700 0 0
ISHARES TR GOV/CRED BD ETF 464288596 486 4,167 SH   SOLE 4,167 0 0
ISHARES TR INTRM TR CRP ETF 464288638 4,403 77,317 SH   SOLE 77,317 0 0
ISHARES TR SH TR CRPORT ETF 464288646 1,106 20,693 SH   SOLE 20,693 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,336 26,531 SH   SOLE 26,531 0 0
ISHARES TR SHORT TREAS BD 464288679 5,932 52,080 SH   SOLE 52,080 0 0
ISHARES TR MICRO-CAP ETF 464288869 764 8,194 SH   SOLE 8,194 0 0
ISHARES TR CORE MSCI EAFE 46432F842 29,006 472,391 SH   SOLE 472,391 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 32,967 467,284 SH   SOLE 467,284 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,733 24,696 SH   SOLE 24,696 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,225 57,421 SH   SOLE 57,421 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 341 4,770 SH   SOLE 4,770 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,987 189,894 SH   SOLE 189,894 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 29,599 922,362 SH   SOLE 922,362 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,240 42,261 SH   SOLE 42,261 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 827 18,616 SH   SOLE 18,616 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 352 6,402 SH   SOLE 6,402 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 18,854 64,349 SH   SOLE 64,349 0 0
SPDR SERIES TRUST NUVEEN BRC MUNIC 78468R721 6,071 121,088 SH   SOLE 121,088 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 14,250 164,739 SH   SOLE 164,739 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 21,140 262,505 SH   SOLE 262,505 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 49,757 867,564 SH   SOLE 867,564 0 0
VANGUARD GROUP DIV APP ETF 921908844 9,179 79,705 SH   SOLE 79,705 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 20,713 76,958 SH   SOLE 76,958 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 18,537 166,489 SH   SOLE 166,489 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 478 3,204 SH   SOLE 3,204 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 12,044 137,803 SH   SOLE 137,803 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 768 4,122 SH   SOLE 4,122 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 31,964 244,862 SH   SOLE 244,862 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 5,854 35,019 SH   SOLE 35,019 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 349 2,591 SH   SOLE 2,591 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 9,492 80,044 SH   SOLE 80,044 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 4,003 24,500 SH   SOLE 24,500 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 34,116 306,897 SH   SOLE 306,897 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,832 11,695 SH   SOLE 11,695 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 94,283 628,179 SH   SOLE 628,179 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 845 14,317 SH   SOLE 14,317 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,652 21,977 SH   SOLE 21,977 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 6,283 123,220 SH   SOLE 123,220 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 82,447 1,938,548 SH   SOLE 1,938,548 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,046 61,768 SH   SOLE 61,768 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 1,168 22,000 SH   SOLE 22,000 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,235 13,658 SH   SOLE 13,658 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 4,647 88,087 SH   SOLE 88,087 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 177,423 4,253,726 SH   SOLE 4,253,726 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 389 4,450 SH   SOLE 4,450 0 0
VANGUARD WHITEHALL FDS INC INTL DVD ETF 921946810 263 3,861 SH   SOLE 3,861 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 25,572 317,980 SH   SOLE 317,980 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 471 5,540 SH   SOLE 5,540 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,228 7,058 SH   SOLE 7,058 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 438 2,076 SH   SOLE 2,076 0 0