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
AGILENT TECHNOLOGIES INC COM 00846U101 561 6,573 SH   SOLE   0 0 6,573
AMAZON COM INC COM 023135106 314 170 SH   SOLE   0 0 170
APPLE INC COM 037833100 717 2,442 SH   SOLE   0 0 2,442
BANK AMER CORP COM 060505104 211 6,000 SH   SOLE   0 0 6,000
COSTCO WHSL CORP NEW COM 22160K105 545 1,855 SH   SOLE   0 0 1,855
DBX ETF TR XTRACKERS SHRT 233051283 2,982 61,051 SH   SOLE   0 0 61,051
FORD MTR CO DEL COM 345370860 93 10,000 SH   SOLE   0 0 10,000
GLOBAL X FDS GLBL X MLP ETF 37950E473 109 13,817 SH   SOLE   0 0 13,817
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 36,444 1,097,695 SH   SOLE   0 0 1,097,695
INTERNATIONAL BUSINESS MACHS COM 459200101 210 1,563 SH   SOLE   0 0 1,563
ISHARES INC CORE MSCI EMKT 46434G103 8,448 157,141 SH   SOLE   0 0 157,141
ISHARES TR CORE S&P500 ETF 464287200 42,851 132,568 SH   SOLE   0 0 132,568
ISHARES TR MSCI EAFE ETF 464287465 346 4,986 SH   SOLE   0 0 4,986
ISHARES TR CORE S&P MCP ETF 464287507 26,553 129,011 SH   SOLE   0 0 129,011
ISHARES TR RUSSELL 2000 ETF 464287655 1,630 9,841 SH   SOLE   0 0 9,841
ISHARES TR CORE S&P SCP ETF 464287804 16,197 193,167 SH   SOLE   0 0 193,167
ISHARES TR IBOXX HI YD ETF 464288513 649 7,380 SH   SOLE   0 0 7,380
ISHARES TR SH TR CRPORT ETF 464288646 236 4,404 SH   SOLE   0 0 4,404
ISHARES TR FLTG RATE NT ETF 46429B655 62,955 1,236,355 SH   SOLE   0 0 1,236,355
ISHARES TR CORE MSCI EAFE 46432F842 12,650 193,896 SH   SOLE   0 0 193,896
ISHARES TR ESG 1 5 YR USD 46435G243 439 17,270 SH   SOLE   0 0 17,270
ISHARES TR ESG MSCI USA ETF 46435G425 353 4,952 SH   SOLE   0 0 4,952
KEYSIGHT TECHNOLOGIES INC COM 49338L103 337 3,286 SH   SOLE   0 0 3,286
MCDONALDS CORP COM 580135101 1,093 5,529 SH   SOLE   0 0 5,529
MICROSOFT CORP COM 594918104 245 1,551 SH   SOLE   0 0 1,551
NETAPP INC COM 64110D104 280 4,500 SH   SOLE   0 0 4,500
NUSHARES ETF TR NUVEEN ESG US 67092P870 201 7,876 SH   SOLE   0 0 7,876
NUVEEN CALIF MUN VALUE FD COM 67062C107 162 15,250 SH   SOLE   0 0 15,250
PAYCHEX INC COM 704326107 272 3,200 SH   SOLE   0 0 3,200
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1,326 13,291 SH   SOLE   0 0 13,291
PROCTER & GAMBLE CO COM 742718109 401 3,208 SH   SOLE   0 0 3,208
QUALCOMM INC COM 747525103 571 6,475 SH   SOLE   0 0 6,475
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 424 5,518 SH   SOLE   0 0 5,518
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 30,993 403,506 SH   SOLE   0 0 403,506
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,500 58,183 SH   SOLE   0 0 58,183
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,051 27,115 SH   SOLE   0 0 27,115
SKYWORKS SOLUTIONS INC COM 83088M102 248 2,049 SH   SOLE   0 0 2,049
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,181 22,311 SH   SOLE   0 0 22,311
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 32,411 917,884 SH   SOLE   0 0 917,884
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 12,552 408,459 SH   SOLE   0 0 408,459
SPDR SERIES TRUST BLOOMBERG SRT TR 78468R408 16,432 609,935 SH   SOLE   0 0 609,935
TORTOISE PIPELINE & ENERGY F COM 89148H108 206 16,000 SH   SOLE   0 0 16,000
UNITED PARCEL SERVICE INC CL B 911312106 1,214 10,367 SH   SOLE   0 0 10,367
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 21,895 643,784 SH   SOLE   0 0 643,784
VANECK VECTORS ETF TRUST INVT GRADE FLTG 92189F486 16,792 663,451 SH   SOLE   0 0 663,451
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 2,209 26,345 SH   SOLE   0 0 26,345
VANGUARD GROUP DIV APP ETF 921908844 784 6,290 SH   SOLE   0 0 6,290
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 95,115 321,554 SH   SOLE   0 0 321,554
VANGUARD INDEX FDS MID CAP ETF 922908629 595 3,340 SH   SOLE   0 0 3,340
VANGUARD INDEX FDS LARGE CAP ETF 922908637 4,176 28,245 SH   SOLE   0 0 28,245
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,112 19,020 SH   SOLE   0 0 19,020
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,255 60,567 SH   SOLE   0 0 60,567
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 54,068 1,215,826 SH   SOLE   0 0 1,215,826
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 42,526 799,818 SH   SOLE   0 0 799,818
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 67,948 1,542,178 SH   SOLE   0 0 1,542,178