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 237,231 2,287 SH   SOLE   2,287 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 349,223 3,381 SH   SOLE   3,381 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,263,008 7,659 SH   SOLE   7,659 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 300,742 974 SH   SOLE   974 0 0
BLACKROCK CORE BD TR SHS BEN INT 09249E101 BBG001SFNB21 1,493,777 137,802 SH   SOLE   137,802 0 0
DBX ETF TR XTRACKERS SHRT 233051283 BBG00JQ1CS66 656,897 15,049 SH   SOLE   15,049 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 BBG005FHWBL1 379,112 3,327 SH   SOLE   3,327 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 4,188,456 41,826 SH   SOLE   41,826 0 0
GRANITESHARES ETF TR HIPS US HIGH INC 38747R306 BBG007V9C3Z2 245,126 20,791 SH   SOLE   20,791 0 0
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 BBG001S6VS16 276,162 8,731 SH   SOLE   8,731 0 0
INTUIT COM 461202103 BBG001S6TWR2 260,811 585 SH   SOLE   585 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 590,986 1,841 SH   SOLE   1,841 0 0
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 2,288,066 55,108 SH   SOLE   55,108 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 898,475 28,541 SH   SOLE   28,541 0 0
ISHARES INC JP MORGAN EM ETF 464286517 BBG0025X4J38 759,429 21,066 SH   SOLE   21,066 0 0
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 1,484,424 27,202 SH   SOLE   27,202 0 0
ISHARES INC MSCI GBL GOLD MN 46434G855 BBG002GKR7K6 1,515,143 60,196 SH   SOLE   60,196 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 652,040 6,571 SH   SOLE   6,571 0 0
ISHARES TR 10+ YR INVST GRD 464289511 BBG001T5MKD1 231,622 4,421 SH   SOLE   4,421 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 361,946 3,160 SH   SOLE   3,160 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 3,228,581 64,250 SH   SOLE   64,250 0 0
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 1,755,215 30,568 SH   SOLE   30,568 0 0
ISHARES TR CONV BD ETF 46435G102 BBG009BKDMM6 642,469 8,847 SH   SOLE   8,847 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,123,215 16,802 SH   SOLE   16,802 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,414,225 5,873 SH   SOLE   5,873 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 773,643 16,764 SH   SOLE   16,764 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 649,521 6,519 SH   SOLE   6,519 0 0
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 1,014,649 10,831 SH   SOLE   10,831 0 0
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 444,339 9,156 SH   SOLE   9,156 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 1,780,362 24,782 SH   SOLE   24,782 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 3,462,984 38,286 SH   SOLE   38,286 0 0
ISHARES TR ESG SCRND S&P500 46436E569 BBG00XDJC7F6 272,958 8,834 SH   SOLE   8,834 0 0
ISHARES TR HIGH YLD BD FCTR 46435G250 BBG00H4BNPR3 834,525 18,682 SH   SOLE   18,682 0 0
ISHARES TR INTERNATIONAL SL 46434V266 BBG008LP7B65 857,377 27,584 SH   SOLE   27,584 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 3,864,546 76,465 SH   SOLE   76,465 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 214,126 4,176 SH   SOLE   4,176 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 1,301,476 13,739 SH   SOLE   13,739 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 BBG0025X2WP7 911,271 13,470 SH   SOLE   13,470 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 BBG007WGK4B0 396,133 12,257 SH   SOLE   12,257 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 259,596 7,354 SH   SOLE   7,354 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 BBG009DR6401 726,830 29,319 SH   SOLE   29,319 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 4,396,531 60,442 SH   SOLE   60,442 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 1,793,985 12,903 SH   SOLE   12,903 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 1,174,776 9,469 SH   SOLE   9,469 0 0
ISHARES TR MSCI USA VALUE 46432F388 BBG004FPWGT7 375,238 4,053 SH   SOLE   4,053 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 253,189 2,350 SH   SOLE   2,350 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 293,837 2,807 SH   SOLE   2,807 0 0
ISHARES TR U S EQUITY FACTR 46434V282 BBG008LNYFB5 365,791 8,827 SH   SOLE   8,827 0 0
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 291,331 3,139 SH   SOLE   3,139 0 0
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 1,329,103 56,848 SH   SOLE   56,848 0 0
ISHARES TR USD INV GRDE ETF 464288620 BBG001SSD876 1,143,934 22,581 SH   SOLE   22,581 0 0
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308 BBG007VDWC09 4,244,603 84,085 SH   SOLE   84,085 0 0
J P MORGAN EXCHANGE TRADED F DIVERSFD EQT ETF 46641Q845 BBG00F7XDRN7 362,515 9,095 SH   SOLE   9,095 0 0
J P MORGAN EXCHANGE TRADED F JPMORGAN DIVER 46641Q407 BBG00B3QWPR4 522,830 5,468 SH   SOLE   5,468 0 0
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753 BBG00J5DNBK2 734,334 21,560 SH   SOLE   21,560 0 0
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827 BBG00P35J8L8 1,071,225 40,731 SH   SOLE   40,731 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 293,907 1,051 SH   SOLE   1,051 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,417,283 4,916 SH   SOLE   4,916 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 252,472 2,717 SH   SOLE   2,717 0 0
PIMCO EQUITY SER RAFI ESG US 72201T342 BBG00QQF57H1 708,707 24,525 SH   SOLE   24,525 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 1,210,041 49,349 SH   SOLE   49,349 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 4,513,308 129,693 SH   SOLE   129,693 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 1,574,396 31,219 SH   SOLE   31,219 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 8,746,199 159,253 SH   SOLE   159,253 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 2,156,564 44,310 SH   SOLE   44,310 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 BBG0051QPC87 5,775,516 221,709 SH   SOLE   221,709 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 9,198,082 294,150 SH   SOLE   294,150 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 684,644 20,665 SH   SOLE   20,665 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 1,039,659 21,309 SH   SOLE   21,309 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 448,779 9,567 SH   SOLE   9,567 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 5,757,236 120,318 SH   SOLE   120,318 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 3,010,843 41,154 SH   SOLE   41,154 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 2,844,617 58,810 SH   SOLE   58,810 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 621,290 11,589 SH   SOLE   11,589 0 0
SIMPLIFY EXCHANGE TRADED FUN INTMD TERM TRSRY 82889N798 BBG012QCMJT2 290,973 17,884 SH   SOLE   17,884 0 0
UBS AG LONDON BRANCH ETRACS UBS BLOOM 90274D390 BBG00B59KD90 2,879,358 118,419 SH   SOLE   118,419 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 438,801 1,759 SH   SOLE   1,759 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 228,855 1,207 SH   SOLE   1,207 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 3,714,620 18,200 SH   SOLE   18,200 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 236,533 1,713 SH   SOLE   1,713 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 540,512 13,379 SH   SOLE   13,379 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 243,670 2,646 SH   SOLE   2,646 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 745,409 11,379 SH   SOLE   11,379 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 435,617 2,829 SH   SOLE   2,829 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 2,734,494 60,538 SH   SOLE   60,538 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 681,393 10,936 SH   SOLE   10,936 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 282,213 2,675 SH   SOLE   2,675 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 BBG001SV5CV2 290,653 3,210 SH   SOLE   3,210 0 0
WISDOMTREE TR INTERNATIONL EFI 97717Y634 BBG0112Z5KQ8 890,429 25,939 SH   SOLE   25,939 0 0
WISDOMTREE TR US EFFICIENT COR 97717Y790 BBG00LLPH6R3 2,994,238 85,403 SH   SOLE   85,403 0 0