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 630 363 SH   SOLE 0 0 0 363
STARBUCKS CORP COM Stock 855244109 229 2,588 SH   SOLE 0 0 0 2,588
JOHNSON & JOHNSON COM Stock 478160104 812 6,274 SH   SOLE 0 0 0 6,274
VANGUARD REAL ESTATE ETF ETF 922908553 1,023 10,975 SH   SOLE 0 0 0 10,975
INTEL CORP COM Stock 458140100 553 10,738 SH   SOLE 0 0 0 10,737
NETFLIX INC COM Stock 64110L106 265 989 SH   SOLE 0 0 0 989
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 1,360 26,223 SH   SOLE 0 0 0 26,223
SPDR S&P 500 ETF ETF 78462F103 452 1,523 SH   SOLE 0 0 0 1,523
ISHARES TIPS BOND ETF ETF 464287176 458 3,936 SH   SOLE 0 0 0 3,936
ISHARES COHEN & STEERS REIT ETF ETF 464287564 393 3,275 SH   SOLE 0 0 0 3,275
ISHARES S&P/CITIGROUP INTERNATIONAL TREASURY BOND FUND EX-US ETF 464288117 238 4,716 SH   SOLE 0 0 0 4,716
HOME DEPOT INC COM Stock 437076102 1,266 5,456 SH   SOLE 0 0 0 5,455
INVESCO CALIFORNIA AMT-FREE MUNICIPAL BOND ETF ETF 46138E206 229 8,384 SH   SOLE 0 0 0 8,384
SPDR GOLD SHARES ETF 78463V107 694 4,995 SH   SOLE 0 0 0 4,995
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 1,695 24,307 SH   SOLE 0 0 0 24,307
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1,169 16,466 SH   SOLE 0 0 0 16,465
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 9,865 309,627 SH   SOLE 0 0 0 309,627
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 4,332 61,074 SH   SOLE 0 0 0 61,073
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 799 13,004 SH   SOLE 0 0 0 13,004
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 2,117 41,981 SH   SOLE 0 0 0 41,981
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1,216 39,421 SH   SOLE 0 0 0 39,421
ISHARES S&P SMALL-CAP FUND ETF 464287804 603 7,749 SH   SOLE 0 0 0 7,749
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,177 5,657 SH   SOLE 0 0 0 5,657
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 364 14,495 SH   SOLE 0 0 0 14,494
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 5,275 65,082 SH   SOLE 0 0 0 65,081
ALPHABET INC CAP STK CL A Stock 02079K305 562 460 SH   SOLE 0 0 0 460
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 349 10,972 SH   SOLE 0 0 0 10,972
MICROSOFT CORP COM Stock 594918104 1,067 7,676 SH   SOLE 0 0 0 7,675
BOEING CO COM Stock 097023105 1,211 3,182 SH   SOLE 0 0 0 3,182
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 2,301 14,949 SH   SOLE 0 0 0 14,949
VANGUARD MID-CAP INDEX FUND ETF 922908629 1,758 10,488 SH   SOLE 0 0 0 10,487
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 2,733 20,046 SH   SOLE 0 0 0 20,045
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 380 2,266 SH   SOLE 0 0 0 2,265
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 4,545 89,843 SH   SOLE 0 0 0 89,843
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 848 14,941 SH   SOLE 0 0 0 14,941
SCHWAB U.S. TIPS ETF ETF 808524870 554 9,753 SH   SOLE 0 0 0 9,753
VANGUARD S&P 500 ETF ETF 922908363 2,199 8,068 SH   SOLE 0 0 0 8,068
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 1,760 30,039 SH   SOLE 0 0 0 30,039
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 817 8,154 SH   SOLE 0 0 0 8,154
SCHWAB U.S. REIT ETF ETF 808524847 2,696 57,156 SH   SOLE 0 0 0 57,156
SCHWAB U.S. MID-CAP ETF ETF 808524508 3,528 62,407 SH   SOLE 0 0 0 62,407
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 2,929 56,696 SH   SOLE 0 0 0 56,696
ISHARES RUSSELL 2000 ETF ETF 464287655 251 1,659 SH   SOLE 0 0 0 1,659
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 433 7,482 SH   SOLE 0 0 0 7,482
ISHARES FLOATING RATE BOND ETF ETF 46429B655 400 7,840 SH   SOLE 0 0 0 7,840
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 1,514 11,752 SH   SOLE 0 0 0 11,752
PIMCO 0-5 YEAR HIGH YIELD CORPORATE BOND INDEX EXCHANGE-TRADED FUND ETF 72201R783 291 2,918 SH   SOLE 0 0 0 2,918
SCHWAB US AGGREGATE BOND ETF ETF 808524839 2,195 40,759 SH   SOLE 0 0 0 40,759
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 583 9,820 SH   SOLE 0 0 0 9,820
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 493 9,007 SH   SOLE 0 0 0 9,006
VANGUARD VALUE INDEX FUND ETF 922908744 517 4,636 SH   SOLE 0 0 0 4,636
VANGUARD GROWTH INDEX FUND ETF 922908736 1,674 10,065 SH   SOLE 0 0 0 10,065
SPDR BLOOMBERG BARCLAYS SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 247 9,143 SH   SOLE 0 0 0 9,143
FACEBOOK INC CL A Stock 30303M102 1,640 9,212 SH   SOLE 0 0 0 9,212
INVESCO BULLETSHARES 2019 CORPORATE BOND ETF ETF 46138J304 298 14,139 SH   SOLE 0 0 0 14,139
W P CAREY INC COM REIT 92936U109 2,610 29,157 SH   SOLE 0 0 0 29,156
BROADCOM INC COM Stock 11135F101 231 835 SH   SOLE 0 0 0 834
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 7,134 145,438 SH   SOLE 0 0 0 145,438
ISHARES CORE MSCI EAFE ETF ETF 46432F842 421 6,891 SH   SOLE 0 0 0 6,890
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 455 4,588 SH   SOLE 0 0 0 4,588
SPDR BLOOMBERG BARCLAYS INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 7,769 252,564 SH   SOLE 0 0 0 252,564
ISHARES SHORT-TERM CORPORATE BOND ETF ETF 464288646 2,167 40,382 SH   SOLE 0 0 0 40,381
PGIM GLOBAL HIGH YIELD FD INC COM CEF 69346J106 349 24,271 SH   SOLE 0 0 0 24,271
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 262 3,105 SH   SOLE 0 0 0 3,105
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 819 16,415 SH   SOLE 0 0 0 16,415
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 578 30,732 SH   SOLE 0 0 0 30,732
QUALCOMM INC COM Stock 747525103 288 3,777 SH   SOLE 0 0 0 3,776
ISHARES S&P 500 VALUE ETF ETF 464287408 323 2,713 SH   SOLE 0 0 0 2,713
ISHARES CORE S&P 500 ETF ETF 464287200 12,870 43,114 SH   SOLE 0 0 0 43,113
LOCKHEED MARTIN CORP COM Stock 539830109 843 2,161 SH   SOLE 0 0 0 2,160
JPMORGAN CHASE & CO COM Stock 46625H100 2,005 17,039 SH   SOLE 0 0 0 17,038
CHEVRON CORP NEW COM Stock 166764100 274 2,309 SH   SOLE 0 0 0 2,308
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 2,752 67,003 SH   SOLE 0 0 0 67,003
BANK AMER CORP COM Stock 060505104 545 18,690 SH   SOLE 0 0 0 18,689
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 948 23,544 SH   SOLE 0 0 0 23,544
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 829 6,503 SH   SOLE 0 0 0 6,503
ALPHABET INC CAP STK CL C Stock 02079K107 250 205 SH   SOLE 0 0 0 205
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 403 3,374 SH   SOLE 0 0 0 3,373
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 819 7,234 SH   SOLE 0 0 0 7,234
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 695 13,255 SH   SOLE 0 0 0 13,255
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1,311 16,230 SH   SOLE 0 0 0 16,230
LAM RESEARCH CORP COM Stock 512807108 539 2,334 SH   SOLE 0 0 0 2,333
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 581 19,786 SH   SOLE 0 0 0 19,786
ISHARES S&P MIDCAP FUND ETF 464287507 278 1,437 SH   SOLE 0 0 0 1,436
ISHARES MSCI EAFE ETF ETF 464287465 388 5,953 SH   SOLE 0 0 0 5,953
APPLE INC COM Stock 037833100 5,357 23,917 SH   SOLE 0 0 0 23,916
DISNEY WALT CO COM DISNEY Stock 254687106 822 6,304 SH   SOLE 0 0 0 6,303