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 20,168 1,133,649 SH   SOLE 1,133,649 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,144 25,513 SH   SOLE 25,513 0 0
INVESCO EXCHANGE-TRADED FD T CALIF AMT MUN 46138E206 390 14,449 SH   SOLE 14,449 0 0
ISHARES INC CORE MSCI EMKT 46434G103 34,794 859,743 SH   SOLE 859,743 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 6,962 80,324 SH   SOLE 80,324 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 188 1,407 SH   DFND 1,407 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 2,801 21,003 SH   SOLE 21,003 0 0
ISHARES TR CALIF MUN BD ETF 464288356 0 0 SH   DFND 0 0 0
ISHARES TR CALIF MUN BD ETF 464288356 6,564 108,455 SH   SOLE 108,455 0 0
ISHARES TR CORE MSCI EAFE 46432F842 18,209 364,990 SH   SOLE 364,990 0 0
ISHARES TR CORE MSCI EAFE 46432F842 0 0 SH   DFND 0 0 0
ISHARES TR CORE MSCI INTL 46435G326 7,758 175,090 SH   SOLE 175,090 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,703 36,229 SH   SOLE 36,229 0 0
ISHARES TR CORE S&P SCP ETF 464287804 7,529 134,187 SH   SOLE 134,187 0 0
ISHARES TR CORE S&P SCP ETF 464287804 177 3,155 SH   DFND 3,155 0 0
ISHARES TR CORE S&P TTL STK 464287150 17,152 299,811 SH   SOLE 299,811 0 0
ISHARES TR CORE S&P TTL STK 464287150 178 3,117 SH   DFND 3,117 0 0
ISHARES TR CORE S&P500 ETF 464287200 21,355 82,642 SH   SOLE 82,642 0 0
ISHARES TR CORE US AGGBD ET 464287226 7,720 66,919 SH   SOLE 66,919 0 0
ISHARES TR EAFE GRWTH ETF 464288885 246 3,456 SH   SOLE 3,456 0 0
ISHARES TR EAFE SML CP ETF 464288273 477 10,648 SH   SOLE 10,648 0 0
ISHARES TR EAFE VALUE ETF 464288877 256 7,177 SH   SOLE 7,177 0 0
ISHARES TR GLB INFRASTR ETF 464288372 12,945 379,053 SH   SOLE 379,053 0 0
ISHARES TR GOV/CRED BD ETF 464288596 450 3,706 SH   SOLE 3,706 0 0
ISHARES TR IBOXX HI YD ETF 464288513 569 7,389 SH   SOLE 7,389 0 0
ISHARES TR IBOXX INV CP ETF 464287242 7,083 57,349 SH   SOLE 57,349 0 0
ISHARES TR INTRM TR CRP ETF 464288638 2,619 47,687 SH   SOLE 47,687 0 0
ISHARES TR JPMORGAN USD EMG 464288281 5,036 52,085 SH   SOLE 52,085 0 0
ISHARES TR MICRO-CAP ETF 464288869 217 3,243 SH   SOLE 3,243 0 0
ISHARES TR MSCI ACWI ETF 464288257 4,774 76,303 SH   SOLE 76,303 0 0
ISHARES TR MSCI EAFE ETF 464287465 7,158 133,903 SH   SOLE 133,903 0 0
ISHARES TR NATIONAL MUN ETF 464288414 27,406 242,510 SH   SOLE 242,510 0 0
ISHARES TR RUS 1000 ETF 464287622 12,236 86,454 SH   SOLE 86,454 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 4,280 28,408 SH   SOLE 28,408 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 3,185 32,109 SH   SOLE 32,109 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 837 5,293 SH   SOLE 5,293 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 6,166 75,169 SH   SOLE 75,169 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,028 8,451 SH   SOLE 8,451 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 7,077 110,416 SH   SOLE 110,416 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,701 39,403 SH   SOLE 39,403 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,989 26,113 SH   SOLE 26,113 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 276 2,413 SH   DFND 2,413 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 251 1,695 SH   SOLE 1,695 0 0
ISHARES TR S&P 500 VAL ETF 464287408 12,740 132,360 SH   SOLE 132,360 0 0
ISHARES TR S&P MC 400VL ETF 464287705 522 4,758 SH   SOLE 4,758 0 0
ISHARES TR SHORT TREAS BD 464288679 2,847 25,640 SH   SOLE 25,640 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,367 12,860 SH   SOLE 12,860 0 0
ISHARES TR SP SMCP600VL ETF 464287879 0 0 SH   DFND 0 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,083 10,840 SH   SOLE 10,840 0 0
ISHARES TR TIPS BD ETF 464287176 270 2,291 SH   SOLE 2,291 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,172 153,303 SH   SOLE 153,303 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 29,733 1,150,647 SH   SOLE 1,150,647 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 91 3,507 SH   DFND 3,507 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,521 46,462 SH   SOLE 46,462 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 30,090 497,935 SH   SOLE 497,935 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,451 123,139 SH   SOLE 123,139 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,770 28,898 SH   SOLE 28,898 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 598 18,279 SH   SOLE 18,279 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 679 13,178 SH   SOLE 13,178 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 13,251 553,515 SH   SOLE 553,515 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 12,722 447,014 SH   SOLE 447,014 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 18,773 72,833 SH   SOLE 72,833 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 5,994 119,888 SH   SOLE 119,888 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 747 21,963 SH   SOLE 21,963 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 775 25,242 SH   SOLE 25,242 0 0
UBS AG LONDON BRANCH ETRAC ALER MLP 90267B682 65 11,366 SH   SOLE 11,366 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 14,827 165,976 SH   SOLE 165,976 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 19,561 238,026 SH   SOLE 238,026 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 52,002 924,317 SH   SOLE 924,317 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 7,395 81,676 SH   SOLE 81,676 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 2,160 13,783 SH   SOLE 13,783 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,661 14,021 SH   SOLE 14,021 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 406 3,204 SH   SOLE 3,204 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 10,040 123,503 SH   SOLE 123,503 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 41 500 SH   DFND 500 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 3,350 25,450 SH   SOLE 25,450 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 10,595 151,676 SH   SOLE 151,676 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 39,112 165,153 SH   SOLE 165,153 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 925 3,904 SH   DFND 3,904 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 12,462 140,343 SH   SOLE 140,343 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 36 400 SH   DFND 400 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,096 9,493 SH   SOLE 9,493 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 620 4,124 SH   SOLE 4,124 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 90 700 SH   DFND 700 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 70,343 545,677 SH   SOLE 545,677 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 18,901 212,232 SH   SOLE 212,232 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,481 60,487 SH   SOLE 60,487 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 78,001 2,324,921 SH   SOLE 2,324,921 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 583 13,594 SH   SOLE 13,594 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 4,460 71,021 SH   SOLE 71,021 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,065 62,904 SH   SOLE 62,904 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 2,879 54,422 SH   SOLE 54,422 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 12,802 146,992 SH   SOLE 146,992 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 12,749 204,505 SH   SOLE 204,505 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 7,172 69,368 SH   SOLE 69,368 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 169 1,636 SH   DFND 1,636 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 269 6,402 SH   DFND 6,402 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 500 11,920 SH   SOLE 11,920 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 338 10,127 SH   DFND 10,127 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 132,302 3,968,274 SH   SOLE 3,968,274 0 0
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 23,902 339,510 SH   SOLE 339,510 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 301 4,256 SH   SOLE 4,256 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 416 7,130 SH   SOLE 7,130 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 733 4,416 SH   SOLE 4,416 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 452 2,134 SH   SOLE 2,134 0 0