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
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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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 321 2,275 SH   SOLE   0 0 2,275
AMPHENOL CORP NEW CL A 032095101 242 2,990 SH   SOLE   0 0 2,990
APPLE INC COM 037833100 412 2,614 SH   SOLE   0 0 2,614
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 386 1,890 SH   SOLE   0 0 1,890
DBX ETF TR XTRACK USD HIGH 233051432 873 18,667 SH   SOLE   0 0 18,667
FIDELITY MSCI RL EST ETF 316092857 300 13,387 SH   SOLE   0 0 13,387
INDEXIQ ETF TR IQ ENCH BD US 45409B487 1,824 98,005 SH   SOLE   0 0 98,005
INVESCO EXCH TRD SLF IDX FD BULSHS 2019 CB 46138J304 4,403 209,082 SH   SOLE   0 0 209,082
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 1,356 64,358 SH   SOLE   0 0 64,358
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 2,266 85,781 SH   SOLE   0 0 85,781
INVESCO EXCHNG TRADED FD TR FNDMNTL HY CRP 46138E719 2,507 141,851 SH   SOLE   0 0 141,851
INVESCO QQQ TR UNIT SER 1 46090E103 399 2,587 SH   SOLE   0 0 2,587
ISHARES INC CORE MSCI EMKT 46434G103 718 15,238 SH   SOLE   0 0 15,238
ISHARES INC EM MKT SM-CP ETF 464286475 347 8,305 SH   SOLE   0 0 8,305
ISHARES TR CALIF MUN BD ETF 464288356 1,064 18,213 SH   SOLE   0 0 18,213
ISHARES TR CORE MSCI EAFE 46432F842 712 12,950 SH   SOLE   0 0 12,950
ISHARES TR CORE MSCI TOTAL 46432F834 222 4,224 SH   SOLE   0 0 4,224
ISHARES TR CORE S&P MCP ETF 464287507 848 5,105 SH   SOLE   0 0 5,105
ISHARES TR CORE S&P SCP ETF 464287804 1,121 16,177 SH   SOLE   0 0 16,177
ISHARES TR CORE S&P500 ETF 464287200 1,174 4,666 SH   SOLE   0 0 4,666
ISHARES TR CORE US AGGBD ET 464287226 1,886 17,709 SH   SOLE   0 0 17,709
ISHARES TR EAFE SML CP ETF 464288273 688 13,274 SH   SOLE   0 0 13,274
ISHARES TR IBOXX HI YD ETF 464288513 3,198 39,434 SH   SOLE   0 0 39,434
ISHARES TR IBOXX INV CP ETF 464287242 3,307 29,314 SH   SOLE   0 0 29,314
ISHARES TR INTL TREA BD ETF 464288117 870 17,957 SH   SOLE   0 0 17,957
ISHARES TR JPMORGAN USD EMG 464288281 2,847 27,396 SH   SOLE   0 0 27,396
ISHARES TR RUS 1000 ETF 464287622 7,207 51,964 SH   SOLE   0 0 51,964
ISHARES TR RUS TOP 200 ETF 464289446 479 8,200 SH   SOLE   0 0 8,200
ISHARES TR S&P MC 400GR ETF 464287606 388 2,028 SH   SOLE   0 0 2,028
ISHARES TR S&P MC 400VL ETF 464287705 628 4,538 SH   SOLE   0 0 4,538
ISHARES TR SELECT DIVID ETF 464287168 5,899 66,048 SH   SOLE   0 0 66,048
ISHARES TR SHRT NAT MUN ETF 464288158 283 2,685 SH   SOLE   0 0 2,685
ISHARES TR U.S. REAL ES ETF 464287739 1,353 18,052 SH   SOLE   0 0 18,052
JOHN HANCOCK EXCHANGE TRADED MULTI INTL ETF 47804J859 807 31,618 SH   SOLE   0 0 31,618
JP MORGAN EXCHANGE TRADED FD DIV RTN EM EQT 46641Q308 219 4,301 SH   SOLE   0 0 4,301
JP MORGAN EXCHANGE TRADED FD USD EMRNG MKT 46641Q746 1,044 22,853 SH   SOLE   0 0 22,853
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 943 38,467 SH   SOLE   0 0 38,467
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,291 139,871 SH   SOLE   0 0 139,871
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,341 117,835 SH   SOLE   0 0 117,835
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,692 58,127 SH   SOLE   0 0 58,127
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 6,225 123,050 SH   SOLE   0 0 123,050
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,343 89,502 SH   SOLE   0 0 89,502
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,270 214,271 SH   SOLE   0 0 214,271
SCHWAB STRATEGIC TR US REIT ETF 808524847 4,869 126,438 SH   SOLE   0 0 126,438
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,700 60,968 SH   SOLE   0 0 60,968
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 2,234 50,481 SH   SOLE   0 0 50,481
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,045 25,516 SH   SOLE   0 0 25,516
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,597 10,392 SH   SOLE   0 0 10,392
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,000 20,813 SH   SOLE   0 0 20,813
SPDR SER TR NUVEEN BRC MUNIC 78468R721 1,588 33,006 SH   SOLE   0 0 33,006
SPDR SERIES TRUST BLOMBRG BRC INTL 78464A151 3,027 91,889 SH   SOLE   0 0 91,889
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 512 17,405 SH   SOLE   0 0 17,405
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 2,278 51,364 SH   SOLE   0 0 51,364
VANGUARD INDEX FDS MID CAP ETF 922908629 310 2,246 SH   SOLE   0 0 2,246
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,501 73,770 SH   SOLE   0 0 73,770
VISA INC COM CL A 92826C839 494 3,747 SH   SOLE   0 0 3,747
WISDOMTREE TR US S CAP QTY DIV 97717X651 443 14,216 SH   SOLE   0 0 14,216