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
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 21,599 232,469 SH   SOLE   0 0 232,469
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 17,301 198,362 SH   SOLE   0 0 198,362
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 14,048 233,659 SH   SOLE   0 0 233,659
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12,324 366,455 SH   SOLE   0 0 366,455
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,050 167,080 SH   SOLE   0 0 167,080
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 7,466 113,295 SH   SOLE   0 0 113,295
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,466 272,772 SH   SOLE   0 0 272,772
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,324 96,823 SH   SOLE   0 0 96,823
ISHARES TR NATIONAL MUN ETF 464288414 6,550 57,499 SH   SOLE   0 0 57,499
ISHARES TR MODERT ALLOC ETF 464289875 6,378 158,937 SH   SOLE   0 0 158,937
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 5,955 77,947 SH   SOLE   0 0 77,947
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201 4,640 115,102 SH   SOLE   0 0 115,102
ISHARES TR JPMORGAN USD EMG 464288281 3,569 31,153 SH   SOLE   0 0 31,153
INVESCO EXCHNG TRADED FD TR NATL AMT MUNI 46138E537 3,367 127,258 SH   SOLE   0 0 127,258
FLEXSHARES TR IBOXX 3R TARGT 33939L506 3,287 133,031 SH   SOLE   0 0 133,031
ISHARES TR CORE US AGGBD ET 464287226 2,934 26,106 SH   SOLE   0 0 26,106
APPLE INC COM 037833100 2,608 8,880 SH   SOLE   0 0 8,880
CATERPILLAR INC DEL COM 149123101 2,599 17,600 SH   SOLE   0 0 17,600
MCDONALDS CORP COM 580135101 2,484 12,568 SH   SOLE   0 0 12,568
VANECK VECTORS ETF TRUST EMERGING MKTS HI 92189F353 2,343 98,735 SH   SOLE   0 0 98,735
3M CO COM 88579Y101 2,255 12,780 SH   SOLE   0 0 12,780
SPDR SERIES TRUST BLOMBERG BRC INT 78464A334 2,243 72,678 SH   SOLE   0 0 72,678
PROCTER & GAMBLE CO COM 742718109 2,200 17,617 SH   SOLE   0 0 17,617
INVESCO EXCHNG TRADED FD TR CALIF AMT MUN 46138E206 2,162 79,082 SH   SOLE   0 0 79,082
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,111 27,456 SH   SOLE   0 0 27,456
SPDR SERIES TRUST NUVEEN BBG BRCLY 78464A284 2,097 35,541 SH   SOLE   0 0 35,541
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 1,875 55,129 SH   SOLE   0 0 55,129
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,814 39,470 SH   SOLE   0 0 39,470
CHEVRON CORP NEW COM 166764100 1,783 14,793 SH   SOLE   0 0 14,793
MICROSOFT CORP COM 594918104 1,757 11,144 SH   SOLE   0 0 11,144
PROSHARES TR INVT INT RT HG 74347B607 1,643 21,243 SH   SOLE   0 0 21,243
INTERNATIONAL BUSINESS MACHS COM 459200101 1,592 11,876 SH   SOLE   0 0 11,876
ISHARES TR 0-5YR HI YL CP 46434V407 1,558 33,548 SH   SOLE   0 0 33,548
MERCK & CO INC COM 58933Y105 1,480 16,278 SH   SOLE   0 0 16,278
ALPHABET INC CAP STK CL A 02079K305 1,479 1,104 SH   SOLE   0 0 1,104
ISHARES TR CALIF MUN BD ETF 464288356 1,393 22,745 SH   SOLE   0 0 22,745
VANECK VECTORS ETF TRUST SHORT HIGH YIELD 92189F387 1,358 53,889 SH   SOLE   0 0 53,889
AT&T INC COM 00206R102 1,310 33,527 SH   SOLE   0 0 33,527
VICI PPTYS INC COM 925652109 1,233 48,266 SH   SOLE   0 0 48,266
GENERAL ELECTRIC CO COM 369604103 1,165 104,361 SH   SOLE   0 0 104,361
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,157 19,979 SH   SOLE   0 0 19,979
ISHARES TR RUS 1000 GRW ETF 464287614 1,065 6,055 SH   SOLE   0 0 6,055
FLEXSHARES TR REAL ASST IDX 33939L738 1,002 32,829 SH   SOLE   0 0 32,829
ISHARES TR RUSSELL 3000 ETF 464287689 974 5,168 SH   SOLE   0 0 5,168
DISNEY WALT CO COM DISNEY 254687106 974 6,734 SH   SOLE   0 0 6,734
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 967 15,100 SH   SOLE   0 0 15,100
AMAZON COM INC COM 023135106 939 508 SH   SOLE   0 0 508
ISHARES TR IBOXX INV CP ETF 464287242 921 7,198 SH   SOLE   0 0 7,198
SAREPTA THERAPEUTICS INC COM 803607100 909 7,048 SH   SOLE   0 0 7,048
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 906 4,002 SH   SOLE   0 0 4,002
ISHARES US ETF TR IT RT HDG HGYL 46431W606 905 10,101 SH   SOLE   0 0 10,101
CIGNA CORP NEW COM 125523100 889 4,345 SH   SOLE   0 0 4,345
ISHARES TR RUS 1000 VAL ETF 464287598 886 6,493 SH   SOLE   0 0 6,493
PEPSICO INC COM 713448108 885 6,472 SH   SOLE   0 0 6,472
VERIZON COMMUNICATIONS INC COM 92343V104 867 14,119 SH   SOLE   0 0 14,119
INTEL CORP COM 458140100 847 14,144 SH   SOLE   0 0 14,144
PALO ALTO NETWORKS INC COM 697435105 825 3,569 SH   SOLE   0 0 3,569
BRISTOL MYERS SQUIBB CO COM 110122108 823 12,816 SH   SOLE   0 0 12,816
MYLAN N V SHS EURO N59465109 814 40,485 SH   SOLE   0 0 40,485
ISHARES TR IBOXX HI YD ETF 464288513 775 8,818 SH   SOLE   0 0 8,818
STATE STR CORP COM 857477103 760 9,605 SH   SOLE   0 0 9,605
LAS VEGAS SANDS CORP COM 517834107 747 10,819 SH   SOLE   0 0 10,819
AMERICAN EXPRESS CO COM 025816109 747 6,000 SH   SOLE   0 0 6,000
OKTA INC CL A 679295105 731 6,335 SH   SOLE   0 0 6,335
SVB FINL GROUP COM 78486Q101 707 2,815 SH   SOLE   0 0 2,815
ISHARES TR RUS MID CAP ETF 464287499 699 11,731 SH   SOLE   0 0 11,731
SPOTIFY TECHNOLOGY S A SHS L8681T102 670 4,483 SH   SOLE   0 0 4,483
NETFLIX INC COM 64110L106 666 2,059 SH   SOLE   0 0 2,059
SALESFORCE COM INC COM 79466L302 664 4,083 SH   SOLE   0 0 4,083
VISTRA ENERGY CORP COM 92840M102 621 27,030 SH   SOLE   0 0 27,030
ARCHER DANIELS MIDLAND CO COM 039483102 612 13,204 SH   SOLE   0 0 13,204
ISHARES TR INTL SEL DIV ETF 464288448 612 18,223 SH   SOLE   0 0 18,223
GUARDANT HEALTH INC COM 40131M109 611 7,825 SH   SOLE   0 0 7,825
YUM BRANDS INC COM 988498101 603 5,987 SH   SOLE   0 0 5,987
JPMORGAN CHASE & CO COM 46625H100 602 4,315 SH   SOLE   0 0 4,315
BLUEPRINT MEDICINES CORP COM 09627Y109 586 7,320 SH   SOLE   0 0 7,320
TYSON FOODS INC CL A 902494103 562 6,175 SH   SOLE   0 0 6,175
SEMPRA ENERGY COM 816851109 543 3,586 SH   SOLE   0 0 3,586
HP INC COM 40434L105 530 25,790 SH   SOLE   0 0 25,790
ISHARES TR MSCI EAFE ETF 464287465 507 7,298 SH   SOLE   0 0 7,298
WASTE MGMT INC DEL COM 94106L109 496 4,350 SH   SOLE   0 0 4,350
DIAGEO P L C SPON ADR NEW 25243Q205 473 2,806 SH   SOLE   0 0 2,806
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 472 8,000 SH   SOLE   0 0 8,000
SYSCO CORP COM 871829107 469 5,486 SH   SOLE   0 0 5,486
TOTAL S A SPONSORED ADS 89151E109 463 8,372 SH   SOLE   0 0 8,372
HALLIBURTON CO COM 406216101 461 18,841 SH   SOLE   0 0 18,841
E TRADE FINANCIAL CORP COM NEW 269246401 461 10,160 SH   SOLE   0 0 10,160
FIAT CHRYSLER AUTOMOBILES N SHS N31738102 459 31,222 SH   SOLE   0 0 31,222
SPDR S&P 500 ETF TR TR UNIT 78462F103 454 1,411 SH   SOLE   0 0 1,411
ISHARES TR RUSSELL 2000 ETF 464287655 438 2,646 SH   SOLE   0 0 2,646
LIVERAMP HLDGS INC COM 53815P108 434 9,031 SH   SOLE   0 0 9,031
HEWLETT PACKARD ENTERPRISE C COM 42824C109 409 25,790 SH   SOLE   0 0 25,790
COMCAST CORP NEW CL A 20030N101 407 9,060 SH   SOLE   0 0 9,060
ABBVIE INC COM 00287Y109 405 4,573 SH   SOLE   0 0 4,573
ABBOTT LABS COM 002824100 393 4,525 SH   SOLE   0 0 4,525
AGILENT TECHNOLOGIES INC COM 00846U101 390 4,576 SH   SOLE   0 0 4,576
ISHARES TR 1 3 YR TREAS BD 464287457 379 4,480 SH   SOLE   0 0 4,480
EXXON MOBIL CORP COM 30231G102 376 5,393 SH   SOLE   0 0 5,393
COPART INC COM 217204106 374 4,118 SH   SOLE   0 0 4,118
DXC TECHNOLOGY CO COM 23355L106 368 9,782 SH   SOLE   0 0 9,782
ALTRIA GROUP INC COM 02209S103 365 7,304 SH   SOLE   0 0 7,304
ALPHABET INC CAP STK CL C 02079K107 342 256 SH   SOLE   0 0 256
WALMART INC COM 931142103 341 2,873 SH   SOLE   0 0 2,873
DUPONT DE NEMOURS INC COM 26614N102 324 5,051 SH   SOLE   0 0 5,051
DINE BRANDS GLOBAL INC COM 254423106 301 3,599 SH   SOLE   0 0 3,599
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 293 4,541 SH   SOLE   0 0 4,541
ISHARES TR RUS 1000 ETF 464287622 284 1,592 SH   SOLE   0 0 1,592
WELLS FARGO CO NEW COM 949746101 280 5,208 SH   SOLE   0 0 5,208
DOW INC COM 260557103 270 4,928 SH   SOLE   0 0 4,928
SPDR SERIES TRUST S&P DIVID ETF 78464A763 268 2,489 SH   SOLE   0 0 2,489
CSX CORP COM 126408103 267 3,691 SH   SOLE   0 0 3,691
YUM CHINA HLDGS INC COM 98850P109 253 5,274 SH   SOLE   0 0 5,274
US BANCORP DEL COM NEW 902973304 251 4,228 SH   SOLE   0 0 4,228
MARRIOTT INTL INC NEW CL A 571903202 229 1,515 SH   SOLE   0 0 1,515
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 219 2,336 SH   SOLE   0 0 2,336
JOHNSON & JOHNSON COM 478160104 213 1,462 SH   SOLE   0 0 1,462
US XPRESS ENTERPRISES INC COM CL A 90338N202 209 41,550 SH   SOLE   0 0 41,550
BANK AMER CORP COM 060505104 206 5,848 SH   SOLE   0 0 5,848
BLOOM ENERGY CORP COM CL A 093712107 205 27,414 SH   SOLE   0 0 27,414
SPDR SERIES TRUST BLOOMBERG SRT TR 78468R408 202 7,500 SH   SOLE   0 0 7,500
CRH PLC ADR 12626K203 202 5,000 SH   SOLE   0 0 5,000
AMERIPRISE FINL INC COM 03076C106 200 1,200 SH   SOLE   0 0 1,200
FS KKR CAPITAL CORP COM 302635107 179 29,215 SH   SOLE   0 0 29,215
VERMILION ENERGY INC COM 923725105 176 10,738 SH   SOLE   0 0 10,738