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
ISHARES TR MIN VOL EAFE ETF 46429B689 7,363 100,474 SH   SOLE   0 0 100,474
ISHARES TR USA MOMENTUM FCT 46432F396 1,020 8,551 SH   SOLE   0 0 8,551
VANGUARD INDEX FDS GROWTH ETF 922908736 492 2,960 SH   SOLE   0 0 2,960
QUEST DIAGNOSTICS INC COM 74834L100 552 5,155 SH   SOLE   0 0 5,155
VANGUARD INDEX FDS TOTAL STK MKT 922908769 930 6,157 SH   SOLE   0 0 6,157
ISHARES INC MLT FCTR EMG MKT 46434G889 1,852 45,298 SH   SOLE   0 0 45,298
MCDONALDS CORP COM 580135101 566 2,634 SH   SOLE   0 0 2,634
ISHARES INC JP MORGAN EM ETF 464286517 1,277 28,879 SH   SOLE   0 0 28,879
WISDOMTREE TR CBOE S&P 500 97717X560 3,479 125,913 SH   SOLE   0 0 125,913
SPROTT ETF TR GOLD MINERS ETF 85210B102 234 10,211 SH   SOLE   0 0 10,211
AFLAC INC COM 001055102 619 11,834 SH   SOLE   0 0 11,834
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,210 100,755 SH   SOLE   0 0 100,755
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 877 22,181 SH   SOLE   0 0 22,181
VANGUARD GROUP DIV APP ETF 921908844 340 2,841 SH   SOLE   0 0 2,841
ISHARES TR CALIF MUN BD ETF 464288356 1,117 18,225 SH   SOLE   0 0 18,225
BLACKROCK CORE BD TR SHS BEN INT 09249E101 4,106 284,139 SH   SOLE   0 0 284,139
UNITED STS COMMODITY INDEX F COMM IDX FND 911717106 283 7,904 SH   SOLE   0 0 7,904
ISHARES TR MLTFCTR INTL SML 46434V266 934 32,663 SH   SOLE   0 0 32,663
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 3,326 108,247 SH   SOLE   0 0 108,247
ISHARES INC MIN VOL EMRG MKT 464286533 4,010 70,234 SH   SOLE   0 0 70,234
VANGUARD INDEX FDS SM CP VAL ETF 922908611 281 2,181 SH   SOLE   0 0 2,181
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 1,127 19,472 SH   SOLE   0 0 19,472
ORACLE CORP COM 68389X105 245 4,447 SH   SOLE   0 0 4,447
PENNANTPARK INVT CORP COM 708062104 224 35,670 SH   SOLE   0 0 35,670
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 229 1,100 SH   SOLE   0 0 1,100
INVESCO QQQ TR UNIT SER 1 46090E103 379 2,008 SH   SOLE   0 0 2,008
SPDR SERIES TRUST BLOMBRG BRC EMRG 78464A391 588 21,618 SH   SOLE   0 0 21,618
ISHARES TR MULTIFACTOR USA 46434V282 246 7,722 SH   SOLE   0 0 7,722
INVESCO EXCHNG TRADED FD TR S&P EMRNG MKTS 46138E297 212 9,344 SH   SOLE   0 0 9,344
ISHARES TR MULTIFACTOR INTL 46434V274 2,445 95,882 SH   SOLE   0 0 95,882
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,553 27,960 SH   SOLE   0 0 27,960
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,904 46,351 SH   SOLE   0 0 46,351
VANGUARD INDEX FDS VALUE ETF 922908744 295 2,639 SH   SOLE   0 0 2,639
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,771 24,943 SH   SOLE   0 0 24,943
PIMCO ETF TR 25YR+ ZERO U S 72201R882 254 1,756 SH   SOLE   0 0 1,756
ISHARES TR MSCI MIN VOL ETF 46429B697 5,678 88,579 SH   SOLE   0 0 88,579
CREDIT SUISSE NASSAU BRH INVRS VIX MDTERM 22542D829 401 6,113 SH   SOLE   0 0 6,113
ISHARES TR USD INV GRDE ETF 464288620 1,413 24,252 SH   SOLE   0 0 24,252
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,442 57,387 SH   SOLE   0 0 57,387
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 638 15,549 SH   SOLE   0 0 15,549
UBS AG LONDON BRH ETRACS MP2X DJ 90268G607 1,223 17,864 SH   SOLE   0 0 17,864
AMDOCS LTD SHS G02602103 237 3,590 SH   SOLE   0 0 3,590
ISHARES INC MSCI GBL GOLD MN 46434G855 1,370 63,609 SH   SOLE   0 0 63,609
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 4,234 153,575 SH   SOLE   0 0 153,575
ALPHABET INC CAP STK CL C 02079K107 208 171 SH   SOLE   0 0 171
ALPHABET INC CAP STK CL A 02079K305 291 238 SH   SOLE   0 0 238
WISDOMTREE TR 90/60 BALNCED FD 97717Y790 1,396 50,048 SH   SOLE   0 0 50,048
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 3,121 113,983 SH   SOLE   0 0 113,983
PIMCO ETF TR INV GRD CRP BD 72201R817 1,642 14,962 SH   SOLE   0 0 14,962
UBS AG JERSEY BRH CMCI ETN 38 902641778 965 68,743 SH   SOLE   0 0 68,743
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 264 4,901 SH   SOLE   0 0 4,901
VANGUARD INDEX FDS SMALL CP ETF 922908751 224 1,454 SH   SOLE   0 0 1,454
SPROTT PHYSICAL GOLD TRUST UNIT 85207H104 302 25,515 SH   SOLE   0 0 25,515
INVESCO EXCHNG TRADED FD TR S&P INTL LOW 46138E230 3,169 92,774 SH   SOLE   0 0 92,774
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,045 22,157 SH   SOLE   0 0 22,157
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 518 16,168 SH   SOLE   0 0 16,168
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 1,620 18,458 SH   SOLE   0 0 18,458
GLOBAL X FDS US PFD ETF 37954Y657 993 39,575 SH   SOLE   0 0 39,575
VANGUARD WORLD FD EXTENDED DUR 921910709 1,556 11,015 SH   SOLE   0 0 11,015
MICROSOFT CORP COM 594918104 819 5,887 SH   SOLE   0 0 5,887
DISNEY WALT CO COM DISNEY 254687106 251 1,925 SH   SOLE   0 0 1,925
APPLE INC COM 037833100 687 3,066 SH   SOLE   0 0 3,066
AUDIOCODES LTD ORD M15342104 250 13,195 SH   SOLE   0 0 13,195
SCHWAB STRATEGIC TR US TIPS ETF 808524870 351 6,178 SH   SOLE   0 0 6,178
ISHARES TR RUS MD CP GR ETF 464287481 235 1,663 SH   SOLE   0 0 1,663