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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 204,000 2,309 SH   SOLE   2,309 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 208,000 2,476 SH   SOLE   2,476 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,071,000 8,245 SH   SOLE   8,245 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 301,000 974 SH   SOLE   974 0 0
BLACKROCK CORE BD TR SHS BEN INT 09249E101 BBG001SFNB21 2,745,000 264,418 SH   SOLE   264,418 0 0
DBX ETF TR XTRACKERS SHRT 233051283 BBG00JQ1CS66 756,000 17,738 SH   SOLE   17,738 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 BBG005FHWBL1 203,000 2,148 SH   SOLE   2,148 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 2,615,000 26,222 SH   SOLE   26,222 0 0
GRANITESHARES ETF TR HIPS US HIGH INC 38747R306 BBG007V9C3Z2 167,000 13,913 SH   SOLE   13,913 0 0
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 BBG001S6VS16 298,000 9,399 SH   SOLE   9,399 0 0
INTUIT COM 461202103 BBG001S6TWR2 290,000 745 SH   SOLE   745 0 0
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 BBG002DJ8H94 310,000 13,452 SH   SOLE   13,452 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 490,000 1,841 SH   SOLE   1,841 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 628,000 20,900 SH   SOLE   20,900 0 0
ISHARES INC JP MORGAN EM ETF 464286517 BBG0025X4J38 457,000 13,180 SH   SOLE   13,180 0 0
ISHARES INC MSCI EMERG MKT 46434G889 BBG00BM64QL2 2,763,000 67,326 SH   SOLE   67,326 0 0
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 1,864,000 35,134 SH   SOLE   35,134 0 0
ISHARES INC MSCI GBL GOLD MN 46434G855 BBG002GKR7K6 954,000 42,737 SH   SOLE   42,737 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 621,000 6,407 SH   SOLE   6,407 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 205,000 5,019 SH   SOLE   5,019 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 236,000 2,186 SH   SOLE   2,186 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 1,448,000 28,933 SH   SOLE   28,933 0 0
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 333,000 9,638 SH   SOLE   9,638 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 1,608,000 28,650 SH   SOLE   28,650 0 0
ISHARES TR CONV BD ETF 46435G102 BBG009BKDMM6 646,000 9,304 SH   SOLE   9,304 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 971,000 15,756 SH   SOLE   15,756 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 205,000 2,414 SH   SOLE   2,414 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,432,000 6,331 SH   SOLE   6,331 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 340,000 7,577 SH   SOLE   7,577 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 614,000 6,329 SH   SOLE   6,329 0 0
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 298,000 3,552 SH   SOLE   3,552 0 0
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 600,000 13,078 SH   SOLE   13,078 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 1,728,000 26,290 SH   SOLE   26,290 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 3,493,000 41,213 SH   SOLE   41,213 0 0
ISHARES TR ESG SCRND S&P500 46436E569 BBG00XDJC7F6 258,000 9,076 SH   SOLE   9,076 0 0
ISHARES TR HIGH YLD BD FCTR 46435G250 BBG00H4BNPR3 761,000 17,457 SH   SOLE   17,457 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 4,057,000 81,440 SH   SOLE   81,440 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 256,000 5,163 SH   SOLE   5,163 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 911,000 9,819 SH   SOLE   9,819 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 1,272,000 20,010 SH   SOLE   20,010 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 BBG007WGK4B0 620,000 20,124 SH   SOLE   20,124 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 224,000 6,917 SH   SOLE   6,917 0 0
ISHARES TR MSCI INTL SML CP 46434V266 BBG008LP7B65 585,000 19,498 SH   SOLE   19,498 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 BBG009DR6401 742,000 32,017 SH   SOLE   32,017 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 4,173,000 57,881 SH   SOLE   57,881 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 2,610,000 17,884 SH   SOLE   17,884 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 421,000 3,691 SH   SOLE   3,691 0 0
ISHARES TR MSCI USA VALUE 46432F388 BBG004FPWGT7 552,000 6,060 SH   SOLE   6,060 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 253,000 2,398 SH   SOLE   2,398 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 347,000 3,331 SH   SOLE   3,331 0 0
ISHARES TR U S EQUITY FACTR 46434V282 BBG008LNYFB5 375,000 9,602 SH   SOLE   9,602 0 0
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 1,543,000 67,922 SH   SOLE   67,922 0 0
ISHARES TR USD INV GRDE ETF 464288620 BBG001SSD876 1,081,000 22,006 SH   SOLE   22,006 0 0
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308 BBG007VDWC09 3,491,000 70,830 SH   SOLE   70,830 0 0
J P MORGAN EXCHANGE TRADED F DIVERSFD EQT ETF 46641Q845 BBG00F7XDRN7 619,000 15,980 SH   SOLE   15,980 0 0
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407 BBG00B3QWPR4 321,000 3,385 SH   SOLE   3,385 0 0
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753 BBG00J5DNBK2 313,000 9,452 SH   SOLE   9,452 0 0
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827 BBG00P35J8L8 993,000 34,124 SH   SOLE   34,124 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 343,000 1,300 SH   SOLE   1,300 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,303,000 5,432 SH   SOLE   5,432 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 222,000 2,717 SH   SOLE   2,717 0 0
PIMCO EQUITY SER RAFI ESG US 72201T342 BBG00QQF57H1 768,000 27,516 SH   SOLE   27,516 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 1,240,000 52,383 SH   SOLE   52,383 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 5,091,000 158,062 SH   SOLE   158,062 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 1,839,000 37,365 SH   SOLE   37,365 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 8,054,000 150,708 SH   SOLE   150,708 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 1,657,000 35,465 SH   SOLE   35,465 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 BBG0051QPC87 5,237,000 211,353 SH   SOLE   211,353 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 9,232,000 317,591 SH   SOLE   317,591 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 242,000 7,730 SH   SOLE   7,730 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 1,322,000 27,396 SH   SOLE   27,396 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 677,000 14,829 SH   SOLE   14,829 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 6,124,000 136,662 SH   SOLE   136,662 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 2,648,000 35,048 SH   SOLE   35,048 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 2,297,000 50,885 SH   SOLE   50,885 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 514,000 26,621 SH   SOLE   26,621 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 750,000 14,478 SH   SOLE   14,478 0 0
SIMPLIFY EXCHANGE TRADED FUN INTMD TERM TRSRY 82889N798 BBG012QCMJT2 283,000 18,679 SH   SOLE   18,679 0 0
UBS AG LONDON BRANCH ETRACS UBS BLOOM 90274D390 BBG00B59KD90 3,111,000 125,844 SH   SOLE   125,844 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 373,000 1,751 SH   SOLE   1,751 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 250,000 1,361 SH   SOLE   1,361 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 3,395,000 17,758 SH   SOLE   17,758 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 241,000 1,716 SH   SOLE   1,716 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 628,000 16,112 SH   SOLE   16,112 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 271,000 3,144 SH   SOLE   3,144 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 638,000 10,351 SH   SOLE   10,351 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 430,000 2,833 SH   SOLE   2,833 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 2,452,000 58,420 SH   SOLE   58,420 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 844,000 13,841 SH   SOLE   13,841 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 307,000 2,835 SH   SOLE   2,835 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 BBG001SV5CV2 211,000 2,552 SH   SOLE   2,552 0 0
WISDOMTREE TR INTERNATIONL EFI 97717Y634 BBG0112Z5KQ8 847,000 26,692 SH   SOLE   26,692 0 0
WISDOMTREE TR US EFFICIENT COR 97717Y790 BBG00LLPH6R3 3,049,000 93,947 SH   SOLE   93,947 0 0