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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   8,010,389 214,296 SH   SOLE   0 0 214,296
ISHARES TR ESG AWR US AGRGT 46435U549   1,385,259 28,824 SH   SOLE   0 0 28,824
SPDR SER TR PORTFOLIO S&P600 78468R853   714,589 18,919 SH   SOLE   0 0 18,919
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,103,287 92,434 SH   SOLE   0 0 92,434
ISHARES TR RUS 1000 GRW ETF 464287614   1,085,404 4,442 SH   SOLE   0 0 4,442
EXXON MOBIL CORP COM 30231G102   229,381 2,092 SH   SOLE   0 0 2,092
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   33,075,756 452,102 SH   SOLE   0 0 452,102
AMERICAN CENTY ETF TR STOXX US QLTY 025072307   201,301 3,135 SH   SOLE   0 0 3,135
ALPHABET INC CAP STK CL C 02079K107   1,411,488 13,572 SH   SOLE   0 0 13,572
ISHARES TR CORE S&P US GWT 464287671   5,716,712 64,399 SH   SOLE   0 0 64,399
MICROSOFT CORP COM 594918104   554,349 1,923 SH   SOLE   0 0 1,923
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   6,869,793 65,117 SH   SOLE   0 0 65,117
FIRST TR EXCH TRADED FD III LNG/SHT EQUITY 33739P103   4,965,831 97,733 SH   SOLE   0 0 97,733
ISHARES TR INTL EQTY FACTOR 46434V274   5,069,978 191,392 SH   SOLE   0 0 191,392
ISHARES INC MSCI EMERG MRKT 464286533   15,099,578 276,701 SH   SOLE   0 0 276,701
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   3,648,157 52,628 SH   SOLE   0 0 52,628
ISHARES TR CORE S&P500 ETF 464287200   312,612 760 SH   SOLE   0 0 760
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   22,033,098 685,962 SH   SOLE   0 0 685,962
ISHARES TR MSCI USA ESG SLC 464288802   236,996 2,700 SH   SOLE   0 0 2,700
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   4,646,952 200,041 SH   SOLE   0 0 200,041
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,100,159 41,456 SH   SOLE   0 0 41,456
VANGUARD BD INDEX FDS INTERMED TERM 921937819   38,099,745 496,478 SH   SOLE   0 0 496,478
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   335,942 1,088 SH   SOLE   0 0 1,088
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   1,031,852 29,140 SH   SOLE   0 0 29,140
FLEXSHARES TR MORNSTAR UPSTR 33939L407   8,795,945 207,991 SH   SOLE   0 0 207,991
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   341,457 13,785 SH   SOLE   0 0 13,785
ISHARES TR CORE DIV GRWTH 46434V621   2,684,198 53,695 SH   SOLE   0 0 53,695
ISHARES TR CORE INTL AGGR 46435G672   11,233,521 229,490 SH   SOLE   0 0 229,490
SPDR SER TR PRTFLO S&P500 GW 78464A409   555,620 10,036 SH   SOLE   0 0 10,036
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152   1,270,576 23,692 SH   SOLE   0 0 23,692
VANGUARD INDEX FDS SMALL CP ETF 922908751   668,755 3,528 SH   SOLE   0 0 3,528
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   625,758 10,961 SH   SOLE   0 0 10,961
ISHARES TR 1 3 YR TREAS BD 464287457   19,248,570 234,282 SH   SOLE   0 0 234,282
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230   4,079,945 81,705 SH   SOLE   0 0 81,705
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   240,327 1,714 SH   SOLE   0 0 1,714
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   333,471 6,627 SH   SOLE   0 0 6,627
AMAZON COM INC COM 023135106   563,344 5,454 SH   SOLE   0 0 5,454
ISHARES TR CORE S&P SCP ETF 464287804   2,010,843 20,795 SH   SOLE   0 0 20,795
NVIDIA CORPORATION COM 67066G104   311,518 1,121 SH   SOLE   0 0 1,121
INVESCO QQQ TR UNIT SER 1 46090E103   387,980 1,209 SH   SOLE   0 0 1,209
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804   27,376,566 580,012 SH   SOLE   0 0 580,012
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   10,783,730 70,020 SH   SOLE   0 0 70,020
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,430,591 37,647 SH   SOLE   0 0 37,647
DBX ETF TR XTRCKR MSCI US 233051150   3,073,693 81,797 SH   SOLE   0 0 81,797
VISA INC COM CL A 92826C839   248,018 1,100 SH   SOLE   0 0 1,100
VANGUARD INDEX FDS GROWTH ETF 922908736   5,887,876 23,604 SH   SOLE   0 0 23,604
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,888,846 46,831 SH   SOLE   0 0 46,831
ORACLE CORP COM 68389X105   262,350 2,823 SH   SOLE   0 0 2,823
SALESFORCE INC COM 79466L302   322,844 1,616 SH   SOLE   0 0 1,616
ISHARES TR CALIF MUN BD ETF 464288356   27,828,575 484,650 SH   SOLE   0 0 484,650
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   11,670,422 613,264 SH   SOLE   0 0 613,264
DBX ETF TR XTKR EMGRIN MKTS 233051192   949,830 35,384 SH   SOLE   0 0 35,384
SCHWAB STRATEGIC TR US REIT ETF 808524847   575,894 29,533 SH   SOLE   0 0 29,533
PACER FDS TR US CASH COWS 100 69374H881   33,349,832 710,327 SH   SOLE   0 0 710,327
SPDR SER TR S&P DIVID ETF 78464A763   249,710 2,019 SH   SOLE   0 0 2,019
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   1,389,228 49,404 SH   SOLE   0 0 49,404
FLEXSHARES TR STOXX GLOBR INF 33939L795   2,248,508 43,282 SH   SOLE   0 0 43,282
ISHARES TR SHRT NAT MUN ETF 464288158   16,647,380 159,031 SH   SOLE   0 0 159,031
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   236,468 6,795 SH   SOLE   0 0 6,795
VANGUARD INDEX FDS MID CAP ETF 922908629   3,329,513 15,786 SH   SOLE   0 0 15,786
SPDR SER TR PRTFLO S&P500 VL 78464A508   453,793 11,144 SH   SOLE   0 0 11,144
ISHARES TR US INFRASTRUC 46435U713   9,217,711 246,991 SH   SOLE   0 0 246,991
ISHARES TR GLB INFRASTR ETF 464288372   1,107,037 23,208 SH   SOLE   0 0 23,208
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   38,863,599 596,342 SH   SOLE   0 0 596,342
PEPSICO INC COM 713448108   276,367 1,516 SH   SOLE   0 0 1,516
ISHARES TR RUSEL 2500 ETF 46435G268   18,150,442 331,092 SH   SOLE   0 0 331,092
SPDR SER TR PORTFOLIO S&P500 78464A854   379,522 7,882 SH   SOLE   0 0 7,882
ISHARES TR MSCI KLD400 SOC 464288570   3,238,390 41,523 SH   SOLE   0 0 41,523
SPDR GOLD TR GOLD SHS 78463V107   294,033 1,605 SH   SOLE   0 0 1,605
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   9,518,266 279,949 SH   SOLE   0 0 279,949
COMCAST CORP NEW CL A 20030N101   1,086,137 28,650 SH   SOLE   0 0 28,650
DECKERS OUTDOOR CORP COM 243537107   5,253,441 11,686 SH   SOLE   0 0 11,686
ISHARES TR NATIONAL MUN ETF 464288414   4,836,987 44,895 SH   SOLE   0 0 44,895
SPDR SER TR NUVEEN BLOOMBERG 78464A284   214,944 8,584 SH   SOLE   0 0 8,584
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   520,500 11,523 SH   SOLE   0 0 11,523
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   20,025,163 685,558 SH   SOLE   0 0 685,558
AMERICAN CENTY ETF TR US EQT ETF 025072885   6,665,730 94,042 SH   SOLE   0 0 94,042
ALPHABET INC CAP STK CL A 02079K305   690,012 6,652 SH   SOLE   0 0 6,652
SPDR S&P 500 ETF TR TR UNIT 78462F103   202,239 494 SH   SOLE   0 0 494
ISHARES TR S&P 500 GRWT ETF 464287309   362,431 5,673 SH   SOLE   0 0 5,673
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,194,292 49,638 SH   SOLE   0 0 49,638
ISHARES TR ESG AW MSCI EAFE 46435G516   1,434,128 19,963 SH   SOLE   0 0 19,963
ISHARES TR USD GRN BOND ETF 46435U440   382,561 8,124 SH   SOLE   0 0 8,124
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   21,476,747 697,071 SH   SOLE   0 0 697,071
ISHARES TR MSCI GBL SUS DEV 46435G532   457,787 5,781 SH   SOLE   0 0 5,781
APPLE INC COM 037833100   11,981,092 72,657 SH   SOLE   0 0 72,657
ISHARES TR MSCI EAFE ETF 464287465   3,401,447 47,559 SH   SOLE   0 0 47,559
SPDR SER TR PORTFOLIO S&P400 78464A847   2,675,257 60,884 SH   SOLE   0 0 60,884
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,517,229 9,353 SH   SOLE   0 0 9,353
ISHARES TR CORE MSCI EAFE 46432F842   5,435,822 81,314 SH   SOLE   0 0 81,314