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 743 236 SH   SOLE 0 0 0 236
INVESCO QQQ TRUST ETF 46090E103 273 982 SH   SOLE 0 0 0 982
STARBUCKS CORP COM Stock 855244109 238 2,769 SH   SOLE 0 0 0 2,768
STARBUCKS CORP COM Stock 855244109 60 700 SH Call SOLE 0 0 0 700
STARBUCKS CORP COM Stock 855244109 17 200 SH Put SOLE 0 0 0 200
JOHNSON & JOHNSON COM Stock 478160104 853 5,731 SH   SOLE 0 0 0 5,731
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 701 4,114 SH   SOLE 0 0 0 4,114
PROCTER AND GAMBLE CO COM Stock 742718109 247 1,777 SH   SOLE 0 0 0 1,776
VANGUARD REAL ESTATE ETF ETF 922908553 1,536 19,457 SH   SOLE 0 0 0 19,457
INTEL CORP COM Stock 458140100 617 11,915 SH   SOLE 0 0 0 11,915
NETFLIX INC COM Stock 64110L106 436 872 SH   SOLE 0 0 0 872
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 939 23,764 SH   SOLE 0 0 0 23,764
SPDR S&P 500 ETF ETF 78462F103 460 1,375 SH   SOLE 0 0 0 1,375
SPDR S&P 500 ETF ETF 78462F103 268 800 SH Put SOLE 0 0 0 800
SPDR S&P 500 ETF ETF 78462F103 100 300 SH Put SOLE 0 0 0 300
ISHARES TIPS BOND ETF ETF 464287176 476 3,766 SH   SOLE 0 0 0 3,766
ISHARES COHEN & STEERS REIT ETF ETF 464287564 306 3,004 SH   SOLE 0 0 0 3,004
ISHARES S&P/CITIGROUP INTERNATIONAL TREASURY BOND FUND EX-US ETF 464288117 249 4,716 SH   SOLE 0 0 0 4,716
HOME DEPOT INC COM Stock 437076102 583 2,101 SH   SOLE 0 0 0 2,101
INVESCO CALIFORNIA AMT-FREE MUNICIPAL BOND ETF ETF 46138E206 479 17,344 SH   SOLE 0 0 0 17,344
SPDR GOLD SHARES ETF 78463V107 671 3,790 SH   SOLE 0 0 0 3,790
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 1,131 16,561 SH   SOLE 0 0 0 16,560
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1,205 15,135 SH   SOLE 0 0 0 15,134
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 8,541 272,019 SH   SOLE 0 0 0 272,019
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 4,392 54,467 SH   SOLE 0 0 0 54,467
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 815 12,715 SH   SOLE 0 0 0 12,715
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 10,084 198,522 SH   SOLE 0 0 0 198,522
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1,254 39,970 SH   SOLE 0 0 0 39,970
ISHARES S&P SMALL-CAP FUND ETF 464287804 515 7,335 SH   SOLE 0 0 0 7,334
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,206 5,662 SH   SOLE 0 0 0 5,662
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 676 25,247 SH   SOLE 0 0 0 25,247
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 4,574 55,209 SH   SOLE 0 0 0 55,208
ALPHABET INC CAP STK CL A Stock 02079K305 585 399 SH   SOLE 0 0 0 399
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 376 11,544 SH   SOLE 0 0 0 11,544
MICROSOFT CORP COM Stock 594918104 2,612 12,419 SH   SOLE 0 0 0 12,419
SPDR GOLD MINISHARES TRUST ETF 98149E204 562 29,902 SH   SOLE 0 0 0 29,902
BOEING CO COM Stock 097023105 309 1,870 SH   SOLE 0 0 0 1,870
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 2,475 16,092 SH   SOLE 0 0 0 16,092
VANGUARD MID-CAP INDEX FUND ETF 922908629 2,393 13,576 SH   SOLE 0 0 0 13,575
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 3,033 19,385 SH   SOLE 0 0 0 19,384
TESLA INC COM Stock 88160R101 3,457 8,058 SH   SOLE 0 0 0 8,058
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 569 2,792 SH   SOLE 0 0 0 2,791
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 2,750 53,395 SH   SOLE 0 0 0 53,395
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 572 10,957 SH   SOLE 0 0 0 10,957
SCHWAB U.S. TIPS ETF ETF 808524870 667 10,821 SH   SOLE 0 0 0 10,821
VANGUARD S&P 500 ETF ETF 922908363 1,637 5,321 SH   SOLE 0 0 0 5,321
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 1,944 39,990 SH   SOLE 0 0 0 39,990
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 816 7,838 SH   SOLE 0 0 0 7,838
SCHWAB U.S. REIT ETF ETF 808524847 2,089 59,061 SH   SOLE 0 0 0 59,061
SCHWAB U.S. MID-CAP ETF ETF 808524508 3,825 68,943 SH   SOLE 0 0 0 68,943
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3,161 60,600 SH   SOLE 0 0 0 60,599
ISHARES RUSSELL 2000 ETF ETF 464287655 249 1,659 SH   SOLE 0 0 0 1,659
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 363 6,759 SH   SOLE 0 0 0 6,759
ISHARES FLOATING RATE BOND ETF ETF 46429B655 459 9,046 SH   SOLE 0 0 0 9,046
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 2,057 18,593 SH   SOLE 0 0 0 18,593
SCHWAB US AGGREGATE BOND ETF ETF 808524839 2,326 41,473 SH   SOLE 0 0 0 41,472
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 558 9,820 SH   SOLE 0 0 0 9,820
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 468 8,465 SH   SOLE 0 0 0 8,464
VANGUARD VALUE INDEX FUND ETF 922908744 369 3,526 SH   SOLE 0 0 0 3,526
VANGUARD GROWTH INDEX FUND ETF 922908736 2,653 11,655 SH   SOLE 0 0 0 11,654
FACEBOOK INC CL A Stock 30303M102 2,474 9,445 SH   SOLE 0 0 0 9,445
WP CAREY INC COM REIT 92936U109 1,722 26,423 SH   SOLE 0 0 0 26,423
BROADCOM INC COM Stock 11135F101 318 872 SH   SOLE 0 0 0 871
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 7,838 153,628 SH   SOLE 0 0 0 153,628
ISHARES CORE MSCI EAFE ETF ETF 46432F842 419 6,949 SH   SOLE 0 0 0 6,949
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 375 3,988 SH   SOLE 0 0 0 3,988
SPDR BLOOMBERG BARCLAYS INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 1,427 46,652 SH   SOLE 0 0 0 46,652
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 2,587 47,121 SH   SOLE 0 0 0 47,121
ISHARES SHORT TREASURY BOND ETF ETF 464288679 861 7,779 SH   SOLE 0 0 0 7,779
PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 414 31,240 SH   SOLE 0 0 0 31,240
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 233 2,645 SH   SOLE 0 0 0 2,645
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1,515 30,026 SH   SOLE 0 0 0 30,026
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 288 27,606 SH   SOLE 0 0 0 27,606
QUALCOMM INC COM Stock 747525103 866 7,361 SH   SOLE 0 0 0 7,361
ISHARES S&P 500 VALUE ETF ETF 464287408 305 2,713 SH   SOLE 0 0 0 2,713
LULULEMON ATHLETICA INC COM Stock 550021109 981 2,978 SH   SOLE 0 0 0 2,978
ISHARES CORE S&P 500 ETF ETF 464287200 17,920 53,323 SH   SOLE 0 0 0 53,322
LOCKHEED MARTIN CORP COM Stock 539830109 1,167 3,044 SH   SOLE 0 0 0 3,044
JPMORGAN CHASE & CO COM Stock 46625H100 2,206 22,911 SH   SOLE 0 0 0 22,911
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 2,843 69,505 SH   SOLE 0 0 0 69,505
BK OF AMERICA CORP COM Stock 060505104 693 28,773 SH   SOLE 0 0 0 28,773
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 224 5,485 SH   SOLE 0 0 0 5,485
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 382 3,143 SH   SOLE 0 0 0 3,142
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,153 26,676 SH   SOLE 0 0 0 26,675
TARGET CORP COM Stock 87612E106 233 1,478 SH   SOLE 0 0 0 1,477
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 1,061 7,879 SH   SOLE 0 0 0 7,879
ALPHABET INC CAP STK CL C Stock 02079K107 301 205 SH   SOLE 0 0 0 205
AMGEN INC COM Stock 031162100 274 1,077 SH   SOLE 0 0 0 1,077
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 460 3,577 SH   SOLE 0 0 0 3,577
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 744 6,302 SH   SOLE 0 0 0 6,302
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 741 13,632 SH   SOLE 0 0 0 13,632
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1,443 17,373 SH   SOLE 0 0 0 17,373
LAM RESEARCH CORP COM Stock 512807108 998 3,009 SH   SOLE 0 0 0 3,008
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 3,201 109,395 SH   SOLE 0 0 0 109,395
ISHARES S&P MIDCAP FUND ETF 464287507 243 1,309 SH   SOLE 0 0 0 1,309
ISHARES MSCI EAFE ETF ETF 464287465 379 5,953 SH   SOLE 0 0 0 5,953
APPLE INC COM Stock 037833100 12,115 104,613 SH   SOLE 0 0 0 104,613
APPLE INC COM Stock 037833100 46 400 SH Put SOLE 0 0 0 400
DISNEY WALT CO COM DISNEY Stock 254687106 724 5,837 SH   SOLE 0 0 0 5,837