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 204 1,542 SH   SOLE   1,542 0 0
APPLE INC COM 037833100 1,591 9,110 SH   SOLE   9,110 0 0
AUDIOCODES LTD ORD M15342104 207 8,083 SH   SOLE   8,083 0 0
BLACKROCK CORE BD TR SHS BEN INT 09249E101 3,211 246,981 SH   SOLE   246,981 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 241 1,958 SH   SOLE   1,958 0 0
GLOBAL X FDS US PFD ETF 37954Y657 613 26,081 SH   SOLE   26,081 0 0
GRANITESHARES ETF TR HIPS US HIGH INC 38747R306 337 23,373 SH   SOLE   23,373 0 0
HP INC COM 40434L105 221 6,090 SH   SOLE   6,090 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 212 9,389 SH   SOLE   9,389 0 0
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 436 14,010 SH   SOLE   14,010 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 693 1,910 SH   SOLE   1,910 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 878 23,913 SH   SOLE   23,913 0 0
ISHARES INC JP MORGAN EM ETF 464286517 1,698 46,005 SH   SOLE   46,005 0 0
ISHARES INC MSCI EMERG MKT 46434G889 4,457 92,113 SH   SOLE   92,113 0 0
ISHARES INC MSCI EMERG MRKT 464286533 5,117 83,840 SH   SOLE   83,840 0 0
ISHARES INC MSCI GBL GOLD MN 46434G855 1,593 51,261 SH   SOLE   51,261 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 910 8,668 SH   SOLE   8,668 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 257 5,122 SH   SOLE   5,122 0 0
ISHARES TR CALIF MUN BD ETF 464288356 1,431 24,588 SH   SOLE   24,588 0 0
ISHARES TR CORE MSCI EAFE 46432F842 425 6,115 SH   SOLE   6,115 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,972 4,346 SH   SOLE   4,346 0 0
ISHARES TR EAFE GRWTH ETF 464288885 218 2,263 SH   SOLE   2,263 0 0
ISHARES TR EAFE VALUE ETF 464288877 473 9,414 SH   SOLE   9,414 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 2,018 27,365 SH   SOLE   27,365 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 3,182 31,398 SH   SOLE   31,398 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 369 7,135 SH   SOLE   7,135 0 0
ISHARES TR MBS ETF 464288588 497 4,878 SH   SOLE   4,878 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 2,009 27,843 SH   SOLE   27,843 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 223 6,277 SH   SOLE   6,277 0 0
ISHARES TR MSCI INTL MULTFT 46434V274 1,784 64,491 SH   SOLE   64,491 0 0
ISHARES TR MSCI INTL SML CP 46434V266 2,629 76,539 SH   SOLE   76,539 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 591 23,224 SH   SOLE   23,224 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 5,277 68,034 SH   SOLE   68,034 0 0
ISHARES TR MSCI USA MMENTM 46432F396 2,404 14,286 SH   SOLE   14,286 0 0
ISHARES TR MSCI USA MULTIFT 46434V282 641 14,412 SH   SOLE   14,412 0 0
ISHARES TR MSCI USA VALUE 46432F388 930 8,896 SH   SOLE   8,896 0 0
ISHARES TR NATIONAL MUN ETF 464288414 486 4,435 SH   SOLE   4,435 0 0
ISHARES TR S&P 500 VAL ETF 464287408 203 1,302 SH   SOLE   1,302 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 255 2,440 SH   SOLE   2,440 0 0
ISHARES TR US TREAS BD ETF 46429B267 3,429 137,638 SH   SOLE   137,638 0 0
ISHARES TR USD INV GRDE ETF 464288620 926 16,833 SH   SOLE   16,833 0 0
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 211 5,269 SH   SOLE   5,269 0 0
MICROSOFT CORP COM 594918104 1,844 5,981 SH   SOLE   5,981 0 0
ORACLE CORP COM 68389X105 348 4,208 SH   SOLE   4,208 0 0
PIMCO EQUITY SER RAFI ESG US 72201T342 1,496 47,294 SH   SOLE   47,294 0 0
PIMCO ETF TR 25YR+ ZERO U S 72201R882 215 1,620 SH   SOLE   1,620 0 0
QUEST DIAGNOSTICS INC COM 74834L100 408 2,980 SH   SOLE   2,980 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,259 45,331 SH   SOLE   45,331 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,590 152,244 SH   SOLE   152,244 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 3,337 62,674 SH   SOLE   62,674 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 9,933 169,788 SH   SOLE   169,788 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 607 11,357 SH   SOLE   11,357 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 5,036 173,956 SH   SOLE   173,956 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 8,080 250,607 SH   SOLE   250,607 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,237 63,242 SH   SOLE   63,242 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 960 19,378 SH   SOLE   19,378 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,708 33,780 SH   SOLE   33,780 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,431 83,002 SH   SOLE   83,002 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,192 15,110 SH   SOLE   15,110 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,725 32,030 SH   SOLE   32,030 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 256 10,275 SH   SOLE   10,275 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 292 6,166 SH   SOLE   6,166 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,798 62,559 SH   SOLE   62,559 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 360 9,528 SH   SOLE   9,528 0 0
UBS AG LONDON BRANCH ETRACS UBS BLOOM 90274D390 4,594 177,685 SH   SOLE   177,685 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 517 1,797 SH   SOLE   1,797 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 351 1,652 SH   SOLE   1,652 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,603 11,434 SH   SOLE   11,434 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 281 1,905 SH   SOLE   1,905 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 374 8,110 SH   SOLE   8,110 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 3,367 41,875 SH   SOLE   41,875 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 459 2,833 SH   SOLE   2,833 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,063 42,959 SH   SOLE   42,959 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 452 4,027 SH   SOLE   4,027 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 1,271 10,444 SH   SOLE   10,444 0 0
WISDOMTREE TR CBOE S&P 500 97717X560 511 14,546 SH   SOLE   14,546 0 0
WISDOMTREE TR US EFFICIENT COR 97717Y790 8,422 207,848 SH   SOLE   207,848 0 0