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 Stock 023135106 290 145 SH   SOLE 0 0 0 145
AMAZON COM INC COM Stock 023135106 200 100 SH Call SOLE 0 0 0 100
JOHNSON & JOHNSON COM Stock 478160104 1,008 7,294 SH   SOLE 0 0 0 7,294
SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 319 6,684 SH   SOLE 0 0 0 6,684
VANGUARD REAL ESTATE ETF ETF 922908553 880 10,904 SH   SOLE 0 0 0 10,904
INTEL CORP COM Stock 458140100 515 10,896 SH   SOLE 0 0 0 10,895
NETFLIX INC COM Stock 64110L106 325 870 SH   SOLE 0 0 0 870
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 1,086 22,828 SH   SOLE 0 0 0 22,828
ISHARES TIPS BOND ETF ETF 464287176 638 5,772 SH   SOLE 0 0 0 5,772
ISHARES COHEN & STEERS REIT ETF ETF 464287564 328 3,275 SH   SOLE 0 0 0 3,275
ISHARES S&P/CITIGROUP INTERNATIONAL TREASURY BOND FUND EX-US ETF 464288117 227 4,716 SH   SOLE 0 0 0 4,716
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 332 5,721 SH   SOLE 0 0 0 5,720
HOME DEPOT INC COM Stock 437076102 410 1,979 SH   SOLE 0 0 0 1,979
INVESCO CALIFORNIA AMT-FREE MUNICIPAL BOND ETF ETF 46138E206 214 8,384 SH   SOLE 0 0 0 8,384
SPDR GOLD SHARES ETF 78463V107 719 6,374 SH   SOLE 0 0 0 6,374
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 621 8,149 SH   SOLE 0 0 0 8,149
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 923 13,108 SH   SOLE 0 0 0 13,108
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 11,327 337,818 SH   SOLE 0 0 0 337,818
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 3,961 56,950 SH   SOLE 0 0 0 56,950
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 816 15,138 SH   SOLE 0 0 0 15,138
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 983 19,606 SH   SOLE 0 0 0 19,606
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 596 19,746 SH   SOLE 0 0 0 19,746
ISHARES S&P SMALL-CAP FUND ETF 464287804 687 7,874 SH   SOLE 0 0 0 7,874
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,125 5,255 SH   SOLE 0 0 0 5,255
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 232 9,041 SH   SOLE 0 0 0 9,041
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 6,420 82,142 SH   SOLE 0 0 0 82,142
ALPHABET INC CAP STK CL A Stock 02079K305 385 319 SH   SOLE 0 0 0 319
MICROSOFT CORP COM Stock 594918104 594 5,196 SH   SOLE 0 0 0 5,195
BOEING CO COM Stock 097023105 584 1,571 SH   SOLE 0 0 0 1,570
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 2,464 15,158 SH   SOLE 0 0 0 15,158
VANGUARD MID-CAP INDEX FUND ETF 922908629 1,495 9,106 SH   SOLE 0 0 0 9,105
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 2,707 20,272 SH   SOLE 0 0 0 20,272
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 423 2,346 SH   SOLE 0 0 0 2,346
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 2,062 41,596 SH   SOLE 0 0 0 41,596
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 527 9,405 SH   SOLE 0 0 0 9,405
SCHWAB U.S. TIPS ETF ETF 808524870 526 9,753 SH   SOLE 0 0 0 9,753
VANGUARD S&P 500 ETF ETF 922908363 2,307 8,638 SH   SOLE 0 0 0 8,638
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 1,590 28,299 SH   SOLE 0 0 0 28,299
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 568 5,753 SH   SOLE 0 0 0 5,752
SPDR S&P 600 SMALL CAP VALUE ETF ETF 78464A300 262 3,842 SH   SOLE 0 0 0 3,841
SCHWAB U.S. REIT ETF ETF 808524847 1,948 46,670 SH   SOLE 0 0 0 46,670
SCHWAB U.S. MID-CAP ETF ETF 808524508 3,378 58,403 SH   SOLE 0 0 0 58,403
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 2,424 44,897 SH   SOLE 0 0 0 44,896
ISHARES RUSSELL 2000 ETF ETF 464287655 398 2,360 SH   SOLE 0 0 0 2,360
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 371 7,496 SH   SOLE 0 0 0 7,496
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 601 4,313 SH   SOLE 0 0 0 4,313
PIMCO 0-5 YEAR HIGH YIELD CORPORATE BOND INDEX EXCHANGE-TRADED FUND ETF 72201R783 388 3,857 SH   SOLE 0 0 0 3,857
SCHWAB US AGGREGATE BOND ETF ETF 808524839 2,032 40,444 SH   SOLE 0 0 0 40,444
SPDR NUVEEN S&P HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 553 9,820 SH   SOLE 0 0 0 9,820
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 587 11,079 SH   SOLE 0 0 0 11,079
VANGUARD VALUE INDEX FUND ETF 922908744 255 2,302 SH   SOLE 0 0 0 2,301
VANGUARD GROWTH INDEX FUND ETF 922908736 1,262 7,834 SH   SOLE 0 0 0 7,834
SPDR BLOOMBERG BARCLAYS SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 344 12,457 SH   SOLE 0 0 0 12,457
FACEBOOK INC CL A Stock 30303M102 1,228 7,467 SH   SOLE 0 0 0 7,467
INVESCO BULLETSHARES 2018 CORPORATE BOND ETF ETF 46138J106 1,484 70,145 SH   SOLE 0 0 0 70,145
INVESCO BULLETSHARES 2019 CORPORATE BOND ETF ETF 46138J304 363 17,197 SH   SOLE 0 0 0 17,197
W P CAREY INC COM REIT 92936U109 206 3,207 SH   SOLE 0 0 0 3,207
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 8,137 168,215 SH   SOLE 0 0 0 168,215
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 473 4,927 SH   SOLE 0 0 0 4,927
SPDR BLOOMBERG BARCLAYS INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 8,027 260,701 SH   SOLE 0 0 0 260,701
ISHARES SHORT-TERM CORPORATE BOND ETF ETF 464288646 1,166 22,501 SH   SOLE 0 0 0 22,501
PGIM GLOBAL SHORT DURATION HIG COM CEF 69346J106 454 32,708 SH   SOLE 0 0 0 32,708
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 259 3,287 SH   SOLE 0 0 0 3,287
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 680 13,058 SH   SOLE 0 0 0 13,058
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 723 30,282 SH   SOLE 0 0 0 30,282
QUALCOMM INC COM Stock 747525103 322 4,470 SH   SOLE 0 0 0 4,470
ISHARES S&P 500 VALUE ETF ETF 464287408 417 3,596 SH   SOLE 0 0 0 3,596
ISHARES CORE S&P 500 ETF ETF 464287200 11,603 39,638 SH   SOLE 0 0 0 39,637
JPMORGAN CHASE & CO COM Stock 46625H100 1,399 12,396 SH   SOLE 0 0 0 12,395
CHEVRON CORP NEW COM Stock 166764100 377 3,082 SH   SOLE 0 0 0 3,082
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 1,327 30,676 SH   SOLE 0 0 0 30,676
BANK AMER CORP COM Stock 060505104 525 17,813 SH   SOLE 0 0 0 17,812
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 573 13,964 SH   SOLE 0 0 0 13,964
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 705 6,132 SH   SOLE 0 0 0 6,132
MORGAN STANLEY COM NEW Stock 617446448 213 4,584 SH   SOLE 0 0 0 4,583
GILEAD SCIENCES INC COM Stock 375558103 358 4,636 SH   SOLE 0 0 0 4,635
ALPHABET INC CAP STK CL C Stock 02079K107 273 229 SH   SOLE 0 0 0 229
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 229 2,070 SH   SOLE 0 0 0 2,070
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 831 7,871 SH   SOLE 0 0 0 7,871
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 610 12,419 SH   SOLE 0 0 0 12,419
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1,886 24,175 SH   SOLE 0 0 0 24,174
LAM RESEARCH CORP COM Stock 512807108 304 2,003 SH   SOLE 0 0 0 2,003
ISHARES S&P MIDCAP FUND ETF 464287507 262 1,301 SH   SOLE 0 0 0 1,301
ISHARES MSCI EAFE ETF ETF 464287465 450 6,619 SH   SOLE 0 0 0 6,619
APPLE INC COM Stock 037833100 5,693 25,219 SH   SOLE 0 0 0 25,218
DISNEY WALT CO COM DISNEY Stock 254687106 241 2,065 SH   SOLE 0 0 0 2,064
ISHARES RUSSELL 1000 ETF ETF 464287622 579 3,579 SH   SOLE 0 0 0 3,579