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
ISHARES TR CORE MSCI EAFE 46432F842 2,506 43,845 SH   SOLE   0 0 43,845
ISHARES TR MSCI MIN VOL ETF 46429B697 3,907 64,445 SH   SOLE   0 0 64,445
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 290 7,879 SH   SOLE   0 0 7,879
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 500 6,751 SH   SOLE   0 0 6,751
ISHARES TR MULTIFACTOR INTL 46434V274 1,683 73,443 SH   SOLE   0 0 73,443
ISHARES TR INTL QLTY FACTOR 46434V456 3,655 124,283 SH   SOLE   0 0 124,283
NORTONLIFELOCK INC COM 668771108 437 22,030 SH   SOLE   0 0 22,030
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 243 2,179 SH   SOLE   0 0 2,179
ISHARES TR MIN VOL EAFE ETF 46429B689 3,325 50,326 SH   SOLE   0 0 50,326
SPDR SER TR PORTFOLI S&P1500 78464A805 893 23,627 SH   SOLE   0 0 23,627
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,698 61,666 SH   SOLE   0 0 61,666
APPLIED MATLS INC COM 038222105 369 6,112 SH   SOLE   0 0 6,112
VANGUARD INDEX FDS LARGE CAP ETF 922908637 9,373 65,549 SH   SOLE   0 0 65,549
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,046 102,376 SH   SOLE   0 0 102,376
WISDOMTREE TR YIELD ENHANCD US 97717X511 2,581 47,965 SH   SOLE   0 0 47,965
ISHARES TR MSCI EAFE ETF 464287465 703 11,556 SH   SOLE   0 0 11,556
ISHARES INC MIN VOL EMRG MKT 464286533 7,007 134,744 SH   SOLE   0 0 134,744
VANGUARD INDEX FDS TOTAL STK MKT 922908769 14,820 94,676 SH   SOLE   0 0 94,676
ISHARES TR CORE S&P TTL STK 464287150 1,507 21,705 SH   SOLE   0 0 21,705
PG&E CORP COM 69331C108 109 12,298 SH   SOLE   0 0 12,298
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,871 79,942 SH   SOLE   0 0 79,942
APPLE INC COM 037833100 2,113 5,793 SH   SOLE   0 0 5,793
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,613 54,877 SH   SOLE   0 0 54,877
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 409 11,279 SH   SOLE   0 0 11,279
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,479 10,153 SH   SOLE   0 0 10,153
GLOBAL X FDS SCIEN BETA US 37954Y103 308 9,895 SH   SOLE   0 0 9,895
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 219 11,295 SH   SOLE   0 0 11,295
ISHARES TR RUSSELL 2000 ETF 464287655 553 3,859 SH   SOLE   0 0 3,859
ISHARES TR ESG MSCI USA ETF 46435G425 245 3,500 SH   SOLE   0 0 3,500
VANGUARD STAR FDS VG TL INTL STK F 921909768 368 7,478 SH   SOLE   0 0 7,478
PROCTER AND GAMBLE CO COM 742718109 921 7,701 SH   SOLE   0 0 7,701
ALPHABET INC CAP STK CL C 02079K107 492 348 SH   SOLE   0 0 348
PAYPAL HLDGS INC COM 70450Y103 410 2,352 SH   SOLE   0 0 2,352
ALPHABET INC CAP STK CL A 02079K305 475 335 SH   SOLE   0 0 335
EBAY INC. COM 278642103 253 4,829 SH   SOLE   0 0 4,829
WISDOMTREE TR CBOE S&P 500 97717X560 5 20,395 SH Put SOLE   0 0 20,395
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,103 28,629 SH   SOLE   0 0 28,629
MERCK & CO. INC COM 58933Y105 295 3,811 SH   SOLE   0 0 3,811
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 216 12,516 SH   SOLE   0 0 12,516
ADOBE INC COM 00724F101 289 665 SH   SOLE   0 0 665
AMAZON COM INC COM 023135106 858 311 SH   SOLE   0 0 311
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,729 23,285 SH   SOLE   0 0 23,285
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 555 22,786 SH   SOLE   0 0 22,786
CISCO SYS INC COM 17275R102 796 17,058 SH   SOLE   0 0 17,058
ISHARES INC CORE MSCI EMKT 46434G103 336 7,061 SH   SOLE   0 0 7,061
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,000 17,777 SH   SOLE   0 0 17,777
ISHARES INC MLT FCTR EMG MKT 46434G889 2,000 50,782 SH   SOLE   0 0 50,782
METTLER TOLEDO INTERNATIONAL COM 592688105 209 260 SH   SOLE   0 0 260
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,087 31,109 SH   SOLE   0 0 31,109
PEPSICO INC COM 713448108 1,717 12,979 SH   SOLE   0 0 12,979
ISHARES TR MULTIFACTOR USA 46434V282 621 19,985 SH   SOLE   0 0 19,985
SPDR S&P 500 ETF TR TR UNIT 78462F103 294 953 SH   SOLE   0 0 953
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 6,559 132,022 SH   SOLE   0 0 132,022
ISHARES TR EDGE MSCI MINM 46435G433 2,622 90,434 SH   SOLE   0 0 90,434
INTUIT COM 461202103 226 762 SH   SOLE   0 0 762
GENERAL ELECTRIC CO COM 369604103 157 23,029 SH   SOLE   0 0 23,029
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 713 30,049 SH   SOLE   0 0 30,049
ISHARES TR MSCI EMG MKT ETF 464287234 524 13,103 SH   SOLE   0 0 13,103
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 245 8,861 SH   SOLE   0 0 8,861
WORKHORSE GROUP INC COM NEW 98138J206 391 22,500 SH   SOLE   0 0 22,500
ISHARES TR RUSSELL 3000 ETF 464287689 239 1,330 SH   SOLE   0 0 1,330
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 642 23,421 SH   SOLE   0 0 23,421
ISHARES TR USA QUALITY FCTR 46432F339 5,444 56,761 SH   SOLE   0 0 56,761
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 4,836 124,663 SH   SOLE   0 0 124,663
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,826 33,728 SH   SOLE   0 0 33,728
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,405 50,867 SH   SOLE   0 0 50,867
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,658 41,851 SH   SOLE   0 0 41,851
ISHARES TR NATIONAL MUN ETF 464288414 713 6,182 SH   SOLE   0 0 6,182