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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AFLAC INC COM 001055102 599 13,137 SH   SOLE   13,137 0 0
AMDOCS LTD SHS G02602103 304 5,195 SH   SOLE   5,195 0 0
APPLE INC COM 037833100 546 3,462 SH   SOLE   3,462 0 0
AUDIOCODES LTD ORD M15342104 130 13,195 SH   SOLE   13,195 0 0
BLACKROCK CORE BD TR SHS BEN INT 09249E101 3,425 280,774 SH   SOLE   280,774 0 0
CREDIT SUISSE NASSAU BRH INVRS VIX MDTERM 22542D829 225 3,722 SH   SOLE   3,722 0 0
DISNEY WALT CO COM DISNEY 254687106 211 1,920 SH   SOLE   1,920 0 0
EXXON MOBIL CORP COM 30231G102 273 3,997 SH   SOLE   3,997 0 0
GLOBAL X FDS US PFD ETF 37954Y657 1,448 64,223 SH   SOLE   64,223 0 0
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 965 30,435 SH   SOLE   30,435 0 0
INVESCO EXCHNG TRADED FD TR PFD ETF 46138E511 509 37,754 SH   SOLE   37,754 0 0
INVESCO EXCHNG TRADED FD TR S&P EMRNG MKTS 46138E297 244 10,706 SH   SOLE   10,706 0 0
INVESCO EXCHNG TRADED FD TR S&P INTL LOW 46138E230 2,646 88,685 SH   SOLE   88,685 0 0
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 1,229 26,353 SH   SOLE   26,353 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 342 2,220 SH   SOLE   2,220 0 0
ISHARES INC MIN VOL EMRG MKT 464286533 2,248 40,241 SH   SOLE   40,241 0 0
ISHARES INC MLT FCTR EMG MKT 46434G889 1,144 29,538 SH   SOLE   29,538 0 0
ISHARES TR CALIF MUN BD ETF 464288356 1,144 19,581 SH   SOLE   19,581 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 4,030 60,455 SH   SOLE   60,455 0 0
ISHARES TR MIN VOL USA ETF 46429B697 2,986 56,979 SH   SOLE   56,979 0 0
ISHARES TR MLTFCTR INTL SML 46434V266 660 25,503 SH   SOLE   25,503 0 0
ISHARES TR MULTIFACTOR INTL 46434V274 1,810 76,332 SH   SOLE   76,332 0 0
ISHARES TR MULTIFACTOR USA 46434V282 699 25,106 SH   SOLE   25,106 0 0
ISHARES TR MULTIFACTOR USA 46434V290 285 7,945 SH   SOLE   7,945 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 857 8,551 SH   SOLE   8,551 0 0
MCDONALDS CORP COM 580135101 467 2,632 SH   SOLE   2,632 0 0
MICROSOFT CORP COM 594918104 626 6,166 SH   SOLE   6,166 0 0
ORACLE CORP COM 68389X105 202 4,465 SH   SOLE   4,465 0 0
PENNANTPARK INVT CORP COM 708062104 253 39,728 SH   SOLE   39,728 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817 2,305 23,271 SH   SOLE   23,271 0 0
QUEST DIAGNOSTICS INC COM 74834L100 502 6,034 SH   SOLE   6,034 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 608 25,842 SH   SOLE   25,842 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,164 111,591 SH   SOLE   111,591 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 2,152 40,650 SH   SOLE   40,650 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 1,566 46,097 SH   SOLE   46,097 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 310 9,441 SH   SOLE   9,441 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 2,514 97,329 SH   SOLE   97,329 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 3,823 151,570 SH   SOLE   151,570 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,755 97,184 SH   SOLE   97,184 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 743 14,882 SH   SOLE   14,882 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 963 19,027 SH   SOLE   19,027 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,147 35,828 SH   SOLE   35,828 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,620 42,062 SH   SOLE   42,062 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 660 12,399 SH   SOLE   12,399 0 0
SPDR SERIES TRUST BLOMBRG BRC EMRG 78464A391 2,251 84,882 SH   SOLE   84,882 0 0
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 233 6,646 SH   SOLE   6,646 0 0
UBS AG JERSEY BRH CMCI ETN 38 902641778 977 72,348 SH   SOLE   72,348 0 0
UBS AG LONDON BRH ETRACS MP2X DJ 90268G607 768 13,536 SH   SOLE   13,536 0 0
UNITED STS COMMODITY INDEX F COMM IDX FND 911717106 643 17,128 SH   SOLE   17,128 0 0
VANGUARD GROUP DIV APP ETF 921908844 278 2,841 SH   SOLE   2,841 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 405 3,015 SH   SOLE   3,015 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 295 2,589 SH   SOLE   2,589 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,315 10,302 SH   SOLE   10,302 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 262 2,678 SH   SOLE   2,678 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 739 19,911 SH   SOLE   19,911 0 0
WELLS FARGO CO NEW COM 949746101 255 5,537 SH   SOLE   5,537 0 0
WISDOMTREE TR 90/60 BALNCED FD 97717Y790 775 34,042 SH   SOLE   34,042 0 0
WISDOMTREE TR CBOE S&P 500 97717X560 3,721 146,210 SH   SOLE   146,210 0 0