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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305   555,849 6,300 SH   SOLE 0 0 0 6,300
ALPHABET INC CAP STK CL C 02079K107   803,450 9,055 SH   SOLE 0 0 0 9,055
AMAZON COM INC COM 023135106   310,296 3,694 SH   SOLE 0 0 0 3,694
AMERICAN CENTY ETF TR US EQT ETF 025072885   6,595,510 96,979 SH   SOLE 0 0 0 96,979
APPLE INC COM 037833100   9,142,256 70,363 SH   SOLE 0 0 0 70,363
BANK AMERICA CORP COM 060505104   216,295 6,531 SH   SOLE 0 0 0 6,531
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   357,397 1,157 SH   SOLE 0 0 0 1,157
COMCAST CORP NEW CL A 20030N101   701,887 20,071 SH   SOLE 0 0 0 20,071
DBX ETF TR XTRCKR MSCI US 233051150   2,534,860 72,746 SH   SOLE 0 0 0 72,746
DBX ETF TR XTKR EMGRIN MKTS 233051192   822,814 32,192 SH   SOLE 0 0 0 32,192
DECKERS OUTDOOR CORP COM 243537107   4,864,164 12,186 SH   SOLE 0 0 0 12,186
FIRST TR EXCH TRADED FD III LNG/SHT EQUITY 33739P103   4,807,553 98,374 SH   SOLE 0 0 0 98,374
FLEXSHARES TR STOXX GLOBR INF 33939L795   2,224,366 44,125 SH   SOLE 0 0 0 44,125
FLEXSHARES TR MORNSTAR UPSTR 33939L407   8,681,507 199,713 SH   SOLE 0 0 0 199,713
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230   4,509,668 91,003 SH   SOLE 0 0 0 91,003
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   19,218,725 667,781 SH   SOLE 0 0 0 667,781
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   9,362,759 283,376 SH   SOLE 0 0 0 283,376
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   18,648,327 655,247 SH   SOLE 0 0 0 655,247
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804   25,572,788 550,307 SH   SOLE 0 0 0 550,307
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   332,470 13,773 SH   SOLE 0 0 0 13,773
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   4,662,315 202,621 SH   SOLE 0 0 0 202,621
INVESCO QQQ TR UNIT SER 1 46090E103   276,911 1,040 SH   SOLE 0 0 0 1,040
ISHARES INC MSCI EMERG MRKT 464286533   13,977,933 263,486 SH   SOLE 0 0 0 263,486
ISHARES TR CORE S&P US GWT 464287671   5,517,266 67,680 SH   SOLE 0 0 0 67,680
ISHARES TR 1 3 YR TREAS BD 464287457   18,051,068 222,386 SH   SOLE 0 0 0 222,386
ISHARES TR CORE S&P SCP ETF 464287804   2,245,879 23,731 SH   SOLE 0 0 0 23,731
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,082,717 45,550 SH   SOLE 0 0 0 45,550
ISHARES TR MSCI KLD400 SOC 464288570   2,652,464 36,948 SH   SOLE 0 0 0 36,948
ISHARES TR RUSEL 2500 ETF 46435G268   16,748,346 315,174 SH   SOLE 0 0 0 315,174
ISHARES TR CALIF MUN BD ETF 464288356   26,632,864 474,655 SH   SOLE 0 0 0 474,655
ISHARES TR ESG AW MSCI EAFE 46435G516   1,208,551 18,384 SH   SOLE 0 0 0 18,384
ISHARES TR ESG AWR US AGRGT 46435U549   1,326,746 28,386 SH   SOLE 0 0 0 28,386
ISHARES TR NATIONAL MUN ETF 464288414   4,421,030 41,898 SH   SOLE 0 0 0 41,898
ISHARES TR SHRT NAT MUN ETF 464288158   16,259,957 155,941 SH   SOLE 0 0 0 155,941
ISHARES TR MSCI GBL SUS DEV 46435G532   419,554 5,317 SH   SOLE 0 0 0 5,317
ISHARES TR S&P 500 GRWT ETF 464287309   331,649 5,669 SH   SOLE 0 0 0 5,669
ISHARES TR RUS 1000 GRW ETF 464287614   900,029 4,201 SH   SOLE 0 0 0 4,201
ISHARES TR CORE MSCI EAFE 46432F842   5,009,905 81,277 SH   SOLE 0 0 0 81,277
ISHARES TR CORE 1 5 YR USD 46432F859   320,372 6,899 SH   SOLE 0 0 0 6,899
ISHARES TR USD GRN BOND ETF 46435U440   367,696 7,999 SH   SOLE 0 0 0 7,999
ISHARES TR CORE DIV GRWTH 46434V621   2,534,637 50,693 SH   SOLE 0 0 0 50,693
ISHARES TR CORE INTL AGGR 46435G672   10,544,134 221,748 SH   SOLE 0 0 0 221,748
ISHARES TR INTL EQTY FACTOR 46434V274   4,817,210 195,815 SH   SOLE 0 0 0 195,815
ISHARES TR MSCI EAFE ETF 464287465   3,329,696 50,727 SH   SOLE 0 0 0 50,727
ISHARES TR CORE S&P500 ETF 464287200   296,492 772 SH   SOLE 0 0 0 772
ISHARES TR MSCI USA ESG SLC 464288802   221,432 2,690 SH   SOLE 0 0 0 2,690
ISHARES TR US INFRASTRUC 46435U713   8,617,333 237,654 SH   SOLE 0 0 0 237,654
ISHARES TR GLB INFRASTR ETF 464288372   1,029,815 22,465 SH   SOLE 0 0 0 22,465
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   315,819 6,300 SH   SOLE 0 0 0 6,300
MICROSOFT CORP COM 594918104   418,575 1,745 SH   SOLE 0 0 0 1,745
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   914,354 26,751 SH   SOLE 0 0 0 26,751
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   1,151,004 44,613 SH   SOLE 0 0 0 44,613
PACER FDS TR US CASH COWS 100 69374H881   31,516,341 681,434 SH   SOLE 0 0 0 681,434
PEPSICO INC COM 713448108   289,056 1,600 SH   SOLE 0 0 0 1,600
PURE STORAGE INC CL A 74624M102   201,396 7,526 SH   SOLE 0 0 0 7,526
SCHWAB STRATEGIC TR US REIT ETF 808524847   567,712 29,430 SH   SOLE 0 0 0 29,430
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   217,162 6,742 SH   SOLE 0 0 0 6,742
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   31,656,509 569,772 SH   SOLE 0 0 0 569,772
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   31,557,488 417,759 SH   SOLE 0 0 0 417,759
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   7,430,354 201,201 SH   SOLE 0 0 0 201,201
SPDR GOLD TR GOLD SHS 78463V107   313,745 1,849 SH   SOLE 0 0 0 1,849
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152   1,291,267 23,815 SH   SOLE 0 0 0 23,815
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   3,460,978 53,993 SH   SOLE 0 0 0 53,993
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   626,131 10,981 SH   SOLE 0 0 0 10,981
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   19,631,690 661,222 SH   SOLE 0 0 0 661,222
SPDR S&P 500 ETF TR TR UNIT 78462F103   385,107 1,007 SH   SOLE 0 0 0 1,007
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,527,997 38,605 SH   SOLE 0 0 0 38,605
SPDR SER TR PORTFOLIO S&P500 78464A854   419,759 9,332 SH   SOLE 0 0 0 9,332
SPDR SER TR PRTFLO S&P500 GW 78464A409   550,715 10,869 SH   SOLE 0 0 0 10,869
SPDR SER TR PORTFOLIO S&P600 78468R853   711,497 19,245 SH   SOLE 0 0 0 19,245
SPDR SER TR NUVEEN BLOOMBERG 78464A284   253,563 5,178 SH   SOLE 0 0 0 5,178
SPDR SER TR PORTFOLIO S&P400 78464A847   2,591,886 60,986 SH   SOLE 0 0 0 60,986
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   10,925,383 592,162 SH   SOLE 0 0 0 592,162
SPDR SER TR PRTFLO S&P500 VL 78464A508   433,745 11,153 SH   SOLE 0 0 0 11,153
SPDR SER TR S&P DIVID ETF 78464A763   251,055 2,007 SH   SOLE 0 0 0 2,007
TESLA INC COM 88160R101   227,637 1,848 SH   SOLE 0 0 0 1,848
VANGUARD BD INDEX FDS INTERMED TERM 921937819   35,627,152 479,375 SH   SOLE 0 0 0 479,375
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   249,940 1,881 SH   SOLE 0 0 0 1,881
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,449,574 9,818 SH   SOLE 0 0 0 9,818
VANGUARD INDEX FDS SMALL CP ETF 922908751   656,124 3,575 SH   SOLE 0 0 0 3,575
VANGUARD INDEX FDS MID CAP ETF 922908629   3,622,583 17,774 SH   SOLE 0 0 0 17,774
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,866,589 46,879 SH   SOLE 0 0 0 46,879
VANGUARD INDEX FDS GROWTH ETF 922908736   4,967,413 23,309 SH   SOLE 0 0 0 23,309
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,949,271 39,387 SH   SOLE 0 0 0 39,387
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   11,079,643 72,964 SH   SOLE 0 0 0 72,964
VANGUARD STAR FDS VG TL INTL STK F 921909768   4,875,207 94,262 SH   SOLE 0 0 0 94,262
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   439,774 10,478 SH   SOLE 0 0 0 10,478
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   7,050,361 65,154 SH   SOLE 0 0 0 65,154
VISA INC COM CL A 92826C839   208,975 1,006 SH   SOLE 0 0 0 1,006