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
3M CO COM 88579Y101 224 1,275 SH   SOLE 1,275 0 0
Aberdeen Std Gold ETF TR Physical Swiss Gold Shares SGOL 00326A104 626 37,132 SH   SOLE 37,132 0 0
ALPHABET INC CAP STK CL A 02079K305 864 323 SH   SOLE 323 0 0
ALPHABET INC CAP STK CL C 02079K107 217 81 SH   SOLE 81 0 0
AMAZON COM INC COM 023135106 2,254 686 SH   SOLE 686 0 0
AMGEN INC COM 031162100 305 1,435 SH   SOLE 1,435 0 0
ANNALY CAP MGMT INC COM 035710409 240 28,500 SH   SOLE 28,500 0 0
APPLE INC COM 037833100 4,729 33,417 SH   SOLE 33,417 0 0
ARISTA NETWORKS INC COM 040413106 1,478 4,300 SH   SOLE 4,300 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 261 350 SH   SOLE 350 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 415 1,520 SH   SOLE 1,520 0 0
CATERPILLAR INC DEL COM 149123101 686 3,571 SH   SOLE 3,571 0 0
CISCO SYS INC COM 17275R102 457 8,400 SH   SOLE 8,400 0 0
CVS HEALTH CORP COM 126650100 476 5,605 SH   SOLE 5,605 0 0
DISNEY WALT CO COM DISNEY 254687106 209 1,235 SH   SOLE 1,235 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 406 4,160 SH   SOLE 4,160 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 732 6,461 SH   SOLE 6,461 0 0
GABELLI EQUITY TR INC COM 362397101 128 19,308 SH   SOLE 19,308 0 0
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 321 3,729 SH   SOLE 3,729 0 0
HONEYWELL INTL INC COM 438516106 260 1,227 SH   SOLE 1,227 0 0
INTEL CORP COM 458140100 426 8,003 SH   SOLE 8,003 0 0
Invesco Qqq Trust QQQ 73935A104 4,397 12,283 SH   SOLE 12,283 0 0
ISHARES GOLD TRUST ISHARES 464285105 7,688 230,112 SH   SOLE 230,112 0 0
ISHARES INC MSCI EM ESG OPZ 46434G863 1,570 37,887 SH   SOLE 37,887 0 0
Ishares MSCI Global Gold RING 464286335 266 10,802 SH   SOLE 10,802 0 0
ISHARES TR CALIF MUN BD ETF 464288356 398 6,409 SH   SOLE 6,409 0 0
ISHARES TR COHEN STEER REIT 464287564 1,283 19,608 SH   SOLE 19,608 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 9,696 136,560 SH   SOLE 136,560 0 0
ISHARES TR CORE S&P SCP ETF 464287804 680 6,226 SH   SOLE 6,226 0 0
ISHARES TR CORE S&P US GWT 464287671 1,417 13,839 SH   SOLE 13,839 0 0
ISHARES TR CORE S&P500 ETF 464287200 652 1,514 SH   SOLE 1,514 0 0
ISHARES TR EAFE GRWTH ETF 464288885 319 2,995 SH   SOLE 2,995 0 0
ISHARES TR ETF MSCI USA 46435G425 1,331 13,516 SH   SOLE 13,516 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 793 36,636 SH   SOLE 36,636 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 1,793 21,418 SH   SOLE 21,418 0 0
ISHARES TR JPMORGAN USD EMG 464288281 754 6,855 SH   SOLE 6,855 0 0
ISHARES TR MSCI EAFE ESG OP 46435G516 1,817 23,176 SH   SOLE 23,176 0 0
ISHARES TR MSCI KLD400 SOC 464288570 1,437 17,274 SH   SOLE 17,274 0 0
ISHARES TR MSCI USA ESG SLC 464288802 265 2,765 SH   SOLE 2,765 0 0
ISHARES TR N AMER TECH ETF 464287549 4,746 11,757 SH   SOLE 11,757 0 0
ISHARES TR NASDAQ BIOTECH 464287556 2,046 12,654 SH   SOLE 12,654 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,481 21,353 SH   SOLE 21,353 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 5,927 21,630 SH   SOLE 21,630 0 0
ISHARES TR RUS MD CP GR ETF 464287481 392 3,500 SH   SOLE 3,500 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,911 14,698 SH   SOLE 14,698 0 0
ISHARES TR S&P US PFD STK 464288687 304 7,829 SH   SOLE 7,829 0 0
ISHARES TR SELECT DIVID ETF 464287168 8,643 75,342 SH   SOLE 75,342 0 0
ISHARES TR SHORT TREAS BD 464288679 5,397 48,857 SH   SOLE 48,857 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,022 9,500 SH   SOLE 9,500 0 0
ISHARES TR ULTR SH TRM BD 46434V878 328 6,500 SH   SOLE 6,500 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 1,711 9,743 SH   SOLE 9,743 0 0
ISHARES TR USA QUALITY FCTR 46432F339 1,114 8,456 SH   SOLE 8,456 0 0
JOHNSON & JOHNSON COM 478160104 1,378 8,533 SH   SOLE 8,533 0 0
JPMORGAN CHASE & CO COM 46625H100 201 1,227 SH   SOLE 1,227 0 0
LOCKHEED MARTIN CORP COM 539830109 200 580 SH   SOLE 580 0 0
MEDTRONIC PLC SHS G5960L103 356 2,843 SH   SOLE 2,843 0 0
MERCK & CO INC COM 58933Y105 236 3,144 SH   SOLE 3,144 0 0
MICROSOFT CORP COM 594918104 1,557 5,524 SH   SOLE 5,524 0 0
Nestle S A F Sponsored NSRGY 641069406 269 2,235 SH   SOLE 2,235 0 0
NUSHARES ETF TR ESG LARGE CAP 67092P201 433 6,615 SH   SOLE 6,615 0 0
NUSHARES ETF TR ESG SMALL CAP 67092P607 518 11,925 SH   SOLE 11,925 0 0
PEPSICO INC COM 713448108 362 2,410 SH   SOLE 2,410 0 0
PHILIP MORRIS INTL INC COM 718172109 815 8,600 SH   SOLE 8,600 0 0
PROCTER AND GAMBLE CO COM 742718109 623 4,456 SH   SOLE 4,456 0 0
PUBLIC STORAGE COM 74460D109 223 750 SH   SOLE 750 0 0
RIO TINTO PLC SPONSORED ADR 767204100 200 3,000 SH   SOLE 3,000 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 241 6,217 SH   SOLE 6,217 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 267 6,433 SH   SOLE 6,433 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,913 39,243 SH   SOLE 39,243 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,912 46,535 SH   SOLE 46,535 0 0
SOUTHERN CO COM 842587107 866 13,974 SH   SOLE 13,974 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 966 5,881 SH   SOLE 5,881 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,968 4,585 SH   SOLE 4,585 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 247 2,700 SH   SOLE 2,700 0 0
SPDR SERIES TRUST NUV HGHYLD MUN 78464A284 270 4,500 SH   SOLE 4,500 0 0
Tencent Holdings F TCEHY 88032Q109 209 3,500 SH   SOLE 3,500 0 0
Unity Software Inc U 91332U101 4,419 35,000 SH   SOLE 35,000 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 1,132 38,417 SH   SOLE 38,417 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 4,268 47,717 SH   SOLE 47,717 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 1,725 16,857 SH   SOLE 16,857 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 10,371 126,570 SH   SOLE 126,570 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 5,273 61,710 SH   SOLE 61,710 0 0
VANGUARD GROUP DIV APP ETF 921908844 7,779 50,646 SH   SOLE 50,646 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 55,917 192,703 SH   SOLE 192,703 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 3,329 14,090 SH   SOLE 14,090 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,810 20,127 SH   SOLE 20,127 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,639 11,145 SH   SOLE 11,145 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,876 28,255 SH   SOLE 28,255 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,244 8,225 SH   SOLE 8,225 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,450 26,292 SH   SOLE 26,292 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,241 19,394 SH   SOLE 19,394 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,245 5,607 SH   SOLE 5,607 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 12,243 90,437 SH   SOLE 90,437 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 765 12,550 SH   SOLE 12,550 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,272 65,435 SH   SOLE 65,435 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 524 7,985 SH   SOLE 7,985 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 478 5,894 SH   SOLE 5,894 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,913 74,417 SH   SOLE 74,417 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 638 11,650 SH   SOLE 11,650 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 11,739 124,339 SH   SOLE 124,339 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 8,932 84,596 SH   SOLE 84,596 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 7,820 127,333 SH   SOLE 127,333 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 16,855 204,527 SH   SOLE 204,527 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 21,738 343,622 SH   SOLE 343,622 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,136 22,506 SH   SOLE 22,506 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 598 7,636 SH   SOLE 7,636 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 32,720 316,590 SH   SOLE 316,590 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 2,271 36,791 SH   SOLE 36,791 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 2,542 31,752 SH   SOLE 31,752 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 689 2,935 SH   SOLE 2,935 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 5,535 22,393 SH   SOLE 22,393 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 14,554 36,269 SH   SOLE 36,269 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 274 1,966 SH   SOLE 1,966 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 282 5,225 SH   SOLE 5,225 0 0
WALMART INC COM 931142103 941 6,750 SH   SOLE 6,750 0 0