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
3M CO COM 88579Y101 208 1,000 SH   SOLE   0 0 1,000
AGILENT TECHNOLOGIES INC COM 00846U101 528 6,573 SH   SOLE   0 0 6,573
AMAZON COM INC COM 023135106 303 170 SH   SOLE   0 0 170
APPLE INC COM 037833100 461 2,425 SH   SOLE   0 0 2,425
CISCO SYS INC COM 17275R102 222 4,116 SH   SOLE   0 0 4,116
COSTCO WHSL CORP NEW COM 22160K105 444 1,835 SH   SOLE   0 0 1,835
DBX ETF TR XTRACKERS SHRT 233051283 2,046 41,487 SH   SOLE   0 0 41,487
HOME DEPOT INC COM 437076102 210 1,092 SH   SOLE   0 0 1,092
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 36,211 1,134,060 SH   SOLE   0 0 1,134,060
INVESCO EXCHNG TRADED FD TR VAR RATE PFD 46138G870 207 8,412 SH   SOLE   0 0 8,412
ISHARES INC CORE MSCI EMKT 46434G103 7,136 137,991 SH   SOLE   0 0 137,991
ISHARES TR CORE S&P500 ETF 464287200 23,010 80,860 SH   SOLE   0 0 80,860
ISHARES TR CORE US AGGBD ET 464287226 295 2,707 SH   SOLE   0 0 2,707
ISHARES TR MSCI EAFE ETF 464287465 344 5,297 SH   SOLE   0 0 5,297
ISHARES TR CORE S&P MCP ETF 464287507 44,565 235,300 SH   SOLE   0 0 235,300
ISHARES TR RUSSELL 2000 ETF 464287655 1,665 10,876 SH   SOLE   0 0 10,876
ISHARES TR CORE S&P SCP ETF 464287804 20,314 263,300 SH   SOLE   0 0 263,300
ISHARES TR IBOXX HI YD ETF 464288513 713 8,251 SH   SOLE   0 0 8,251
ISHARES TR SH TR CRPORT ETF 464288646 354 6,706 SH   SOLE   0 0 6,706
ISHARES TR PFD AND INCM SEC 464288687 222 6,063 SH   SOLE   0 0 6,063
ISHARES TR FLTG RATE NT ETF 46429B655 71,425 1,402,953 SH   SOLE   0 0 1,402,953
ISHARES TR CORE MSCI EAFE 46432F842 18,203 299,532 SH   SOLE   0 0 299,532
ISHARES TR ESG 1 5 YR USD 46435G243 250 9,983 SH   SOLE   0 0 9,983
KEYSIGHT TECHNOLOGIES INC COM 49338L103 287 3,286 SH   SOLE   0 0 3,286
MARCUS & MILLICHAP INC COM 566324109 244 6,000 SH   SOLE   0 0 6,000
MCDONALDS CORP COM 580135101 1,102 5,803 SH   SOLE   0 0 5,803
NETAPP INC COM 64110D104 381 5,500 SH   SOLE   0 0 5,500
NUVEEN CALIF MUN VALUE FD COM 67062C107 146 15,250 SH   SOLE   0 0 15,250
PAYCHEX INC COM 704326107 257 3,200 SH   SOLE   0 0 3,200
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1,658 16,544 SH   SOLE   0 0 16,544
PROCTER AND GAMBLE CO COM 742718109 334 3,208 SH   SOLE   0 0 3,208
QUALCOMM INC COM 747525103 365 6,408 SH   SOLE   0 0 6,408
REALTY INCOME CORP COM 756109104 243 3,300 SH   SOLE   0 0 3,300
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 345 5,075 SH   SOLE   0 0 5,075
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 21,314 315,254 SH   SOLE   0 0 315,254
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,379 115,174 SH   SOLE   0 0 115,174
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,765 39,545 SH   SOLE   0 0 39,545
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,373 15,482 SH   SOLE   0 0 15,482
SPDR SER TR BLOMBERG BRC INV 78468R200 7,511 244,650 SH   SOLE   0 0 244,650
SPDR SER TR BLOOMBERG SRT TR 78468R408 18,365 673,962 SH   SOLE   0 0 673,962
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 33,940 993,262 SH   SOLE   0 0 993,262
SPDR SERIES TRUST BLOMBRG BRC MRTG 78464A383 248 9,607 SH   SOLE   0 0 9,607
TORTOISE PIPELINE & ENERGY F COM 89148H108 243 16,000 SH   SOLE   0 0 16,000
UNITED PARCEL SERVICE INC CL B 911312106 1,158 10,367 SH   SOLE   0 0 10,367
VANECK VECTORS ETF TR INVT GRADE FLTG 92189F486 19,772 785,535 SH   SOLE   0 0 785,535
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 22,533 675,437 SH   SOLE   0 0 675,437
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 2,253 27,754 SH   SOLE   0 0 27,754
VANGUARD GROUP DIV APP ETF 921908844 690 6,290 SH   SOLE   0 0 6,290
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 67,623 260,546 SH   SOLE   0 0 260,546
VANGUARD INDEX FDS MID CAP ETF 922908629 1,042 6,480 SH   SOLE   0 0 6,480
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,616 20,151 SH   SOLE   0 0 20,151
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,519 17,412 SH   SOLE   0 0 17,412
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,462 69,046 SH   SOLE   0 0 69,046
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 44,451 1,045,903 SH   SOLE   0 0 1,045,903
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 44,473 849,363 SH   SOLE   0 0 849,363
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 87,482 2,140,497 SH   SOLE   0 0 2,140,497