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
AGILENT TECHNOLOGIES INC COM 00846U101 228 1,542 SH   SOLE   1,542 0 0
ALPHABET INC CAP STK CL A 02079K305 408 167 SH   SOLE   167 0 0
AMAZON COM INC COM 023135106 561 163 SH   SOLE   163 0 0
APPLE INC COM 037833100 1,423 10,392 SH   SOLE   10,392 0 0
AUDIOCODES LTD ORD M15342104 267 8,083 SH   SOLE   8,083 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 329 1,185 SH   SOLE   1,185 0 0
BLACKROCK CORE BD TR SHS BEN INT 09249E101 2,404 145,505 SH   SOLE   145,505 0 0
GLOBAL X FDS US PFD ETF 37954Y657 2,734 104,476 SH   SOLE   104,476 0 0
GRANITESHARES ETF TR HIPS US HIGH INC 38747R306 880 55,962 SH   SOLE   55,962 0 0
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 1,456 43,431 SH   SOLE   43,431 0 0
INTUIT COM 461202103 551 1,124 SH   SOLE   1,124 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 518 33,824 SH   SOLE   33,824 0 0
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 914 29,563 SH   SOLE   29,563 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 681 1,920 SH   SOLE   1,920 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 980 21,711 SH   SOLE   21,711 0 0
ISHARES INC JP MORGAN EM ETF 464286517 307 7,027 SH   SOLE   7,027 0 0
ISHARES INC MSCI EMERG MKT 46434G889 4,082 75,331 SH   SOLE   75,331 0 0
ISHARES INC MSCI EMERG MRKT 464286533 4,356 67,889 SH   SOLE   67,889 0 0
ISHARES INC MSCI GBL GOLD MN 46434G855 355 12,677 SH   SOLE   12,677 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,164 10,950 SH   SOLE   10,950 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 736 15,986 SH   SOLE   15,986 0 0
ISHARES TR 10+ YR INVST GRD 464289511 264 3,758 SH   SOLE   3,758 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 498 9,867 SH   SOLE   9,867 0 0
ISHARES TR CALIF MUN BD ETF 464288356 1,740 27,792 SH   SOLE   27,792 0 0
ISHARES TR CORE INTL AGGR 46435G672 1,330 24,130 SH   SOLE   24,130 0 0
ISHARES TR CORE S&P500 ETF 464287200 780 1,813 SH   SOLE   1,813 0 0
ISHARES TR EAFE VALUE ETF 464288877 333 6,438 SH   SOLE   6,438 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 1,785 22,584 SH   SOLE   22,584 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 1,414 14,363 SH   SOLE   14,363 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 703 12,826 SH   SOLE   12,826 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 3,899 51,612 SH   SOLE   51,612 0 0
ISHARES TR MSCI INTL MULTFT 46434V274 3,682 122,523 SH   SOLE   122,523 0 0
ISHARES TR MSCI INTL SML CP 46434V266 5,078 138,322 SH   SOLE   138,322 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 417 16,135 SH   SOLE   16,135 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 5,609 76,196 SH   SOLE   76,196 0 0
ISHARES TR MSCI USA MMENTM 46432F396 1,176 6,779 SH   SOLE   6,779 0 0
ISHARES TR MSCI USA MULTIFT 46434V282 736 17,194 SH   SOLE   17,194 0 0
ISHARES TR MSCI USA VALUE 46432F388 745 7,090 SH   SOLE   7,090 0 0
ISHARES TR NATIONAL MUN ETF 464288414 288 2,456 SH   SOLE   2,456 0 0
ISHARES TR RUS MD CP GR ETF 464287481 253 2,237 SH   SOLE   2,237 0 0
ISHARES TR US TREAS BD ETF 46429B267 2,796 105,097 SH   SOLE   105,097 0 0
ISHARES TR USD INV GRDE ETF 464288620 985 16,259 SH   SOLE   16,259 0 0
MCDONALDS CORP COM 580135101 339 1,466 SH   SOLE   1,466 0 0
MICROSOFT CORP COM 594918104 1,665 6,145 SH   SOLE   6,145 0 0
ORACLE CORP COM 68389X105 378 4,860 SH   SOLE   4,860 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 2,262 85,800 SH   SOLE   85,800 0 0
PIMCO EQUITY SER RAFI ESG US 72201T342 1,713 55,693 SH   SOLE   55,693 0 0
PIMCO ETF TR 25YR+ ZERO U S 72201R882 237 1,633 SH   SOLE   1,633 0 0
QUEST DIAGNOSTICS INC COM 74834L100 438 3,320 SH   SOLE   3,320 0 0
SALESFORCE COM INC COM 79466L302 229 939 SH   SOLE   939 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,015 30,864 SH   SOLE   30,864 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,611 116,870 SH   SOLE   116,870 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 2,876 50,573 SH   SOLE   50,573 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 4,528 82,743 SH   SOLE   82,743 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 299 5,492 SH   SOLE   5,492 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 4,244 131,612 SH   SOLE   131,612 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 5,206 156,418 SH   SOLE   156,418 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 4,831 123,077 SH   SOLE   123,077 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 941 18,366 SH   SOLE   18,366 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,225 40,758 SH   SOLE   40,758 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,008 38,438 SH   SOLE   38,438 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,877 38,052 SH   SOLE   38,052 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,211 21,262 SH   SOLE   21,262 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 328 3,152 SH   SOLE   3,152 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,208 67,325 SH   SOLE   67,325 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 402 9,724 SH   SOLE   9,724 0 0
TARGET CORP COM 87612E106 305 1,262 SH   SOLE   1,262 0 0
UBS AG LONDON BRANCH ETRACS UBS BLOOM 90274D390 3,431 177,471 SH   SOLE   177,471 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 562 1,958 SH   SOLE   1,958 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 365 1,619 SH   SOLE   1,619 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,519 6,818 SH   SOLE   6,818 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 235 1,713 SH   SOLE   1,713 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 3,463 39,491 SH   SOLE   39,491 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 438 2,833 SH   SOLE   2,833 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,613 31,302 SH   SOLE   31,302 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 497 4,745 SH   SOLE   4,745 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 2,012 14,867 SH   SOLE   14,867 0 0
WISDOMTREE TR CBOE S&P 500 97717X560 1,102 34,698 SH   SOLE   34,698 0 0
WISDOMTREE TR US EFFICIENT COR 97717Y790 6,311 155,290 SH   SOLE   155,290 0 0