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 023135106 1,268 11,922 SH   SOLE   0 0 11,922
AMERICAN WELL CORP CL A 03044L105 46 10,700 SH   SOLE   0 0 10,700
APPLE INC COM 037833100 744 5,330 SH   SOLE   0 0 5,330
BANC OF CALIFORNIA INC COM 05990K106 144 144,195 SH   SOLE   0 0 144,195
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 474 6,908 SH   SOLE   0 0 6,908
CHEVRON CORP NEW COM 166764100 305 2,106 SH   SOLE   0 0 2,106
CIGNA CORP NEW COM 125523100 629 2,403 SH   SOLE   0 0 2,403
CITIGROUP INC COM NEW 172967424 22 12,062 SH   SOLE   0 0 12,062
CLOVIS ONCOLOGY INC COM 189464100 18 10,000 SH   SOLE   0 0 10,000
COSTCO WHSL CORP NEW COM 22160K105 1,015 2,156 SH   SOLE   0 0 2,156
DISNEY WALT CO COM 254687106 902 9,504 SH   SOLE   0 0 9,504
EXXON MOBIL CORP COM 30231G102 1,050 12,129 SH   SOLE   0 0 12,129
FOSSIL GROUP INC COM 34988V106 124 11,609 SH   SOLE   0 0 11,609
HENRY JACK & ASSOC INC COM 426281101 381 2,044 SH   SOLE   0 0 2,044
HONEYWELL INTL INC COM 438516106 638 7,319 SH   SOLE   0 0 7,319
INTEL CORP COM 458140100 258 6,485 SH   SOLE   0 0 6,485
ISHARES TR CORE S&P500 ETF 464287200 299 784 SH   SOLE   0 0 784
ISHARES TR CORE US AGGBD ET 464287226 239 2,353 SH   SOLE   0 0 2,353
JOHNSON & JOHNSON COM 478160104 345 8,795 SH   SOLE   0 0 8,795
KROGER CO COM 501044101 614 13,572 SH   SOLE   0 0 13,572
MANHATTAN BRDG CAP INC COM 562803106 80 74,558 SH   SOLE   0 0 74,558
MICROSOFT CORP COM 594918104 1,896 6,838 SH   SOLE   0 0 6,838
PROGRESSIVE CORP COM 743315103 2,026 17,537 SH   SOLE   0 0 17,537
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,208 37,365 SH   SOLE   0 0 37,365
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 822 17,182 SH   SOLE   0 0 17,182
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 829 17,915 SH   SOLE   0 0 17,915
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 593 13,224 SH   SOLE   0 0 13,224
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 321 4,961 SH   SOLE   0 0 4,961
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 844 18,816 SH   SOLE   0 0 18,816
SIRIUS XM HOLDINGS INC COM 82968B103 102 16,690 SH   SOLE   0 0 16,690
SOUTHWEST AIRLS CO COM 844741108 245 3,768 SH   SOLE   0 0 3,768
TESLA INC COM 88160R101 217 321 SH   SOLE   0 0 321
TEXTRON INC COM 883203101 272 4,449 SH   SOLE   0 0 4,449
UNITED PARCEL SERVICE INC CL B 911312106 420 2,307 SH   SOLE   0 0 2,307
VANGUARD BD INDEX FDS INTERMED TERM 921937819 6,730 86,697 SH   SOLE   0 0 86,697
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 327 3,057 SH   SOLE   0 0 3,057
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 957 19,318 SH   SOLE   0 0 19,318
VANGUARD INDEX FDS MID CAP ETF 922908629 376 1,249 SH   SOLE   0 0 1,249
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 836 404 SH   SOLE   0 0 404
VANGUARD INDEX FDS TOTAL STK MKT 922908769 17,014 90,247 SH   SOLE   0 0 90,247
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 570 11,549 SH   SOLE   0 0 11,549
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,333 26,384 SH   SOLE   0 0 26,384
VANGUARD STAR FDS VG TL INTL STK F 921909768 9,281 179,808 SH   SOLE   0 0 179,808
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 707 11,470 SH   SOLE   0 0 11,470
WALMART INC COM 931142103 682 5,489 SH   SOLE   0 0 5,489