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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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
APPLE INC COM 037833100 882 5,050 SH   SOLE   0 0 5,050
BOSTON SCIENTIFIC CORP COM 101137107 311 7,011 SH   SOLE   0 0 7,011
ISHARES TR 0-5 YR TIPS ETF 46429B747 677 6,453 SH   SOLE   0 0 6,453
ISHARES TR 0-5YR INVT GR CP 46434V100 3,502 70,946 SH   SOLE   0 0 70,946
ISHARES TR 1 3 YR TREAS BD 464287457 10,424 125,068 SH   SOLE   0 0 125,068
ISHARES TR BROAD USD HIGH 46435U853 5,327 137,075 SH   SOLE   0 0 137,075
ISHARES TR CALIF MUN BD ETF 464288356 869 14,939 SH   SOLE   0 0 14,939
ISHARES TR COHEN STEER REIT 464287564 275 3,877 SH   SOLE   0 0 3,877
ISHARES TR CORE 1 5 YR USD 46432F859 6,863 141,628 SH   SOLE   0 0 141,628
ISHARES TR CORE INTL AGGR 46435G672 3,083 59,135 SH   SOLE   0 0 59,135
ISHARES TR CORE MSCI EAFE 46432F842 12,275 176,593 SH   SOLE   0 0 176,593
ISHARES TR CORE S&P MCP ETF 464287507 5,731 21,356 SH   SOLE   0 0 21,356
ISHARES TR CORE S&P SCP ETF 464287804 8,247 76,443 SH   SOLE   0 0 76,443
ISHARES TR CORE S&P US GWT 464287671 3,643 34,475 SH   SOLE   0 0 34,475
ISHARES TR CORE US AGGBD ET 464287226 785 7,333 SH   SOLE   0 0 7,333
ISHARES TR CRE U S REIT ETF 464288521 3,959 61,241 SH   SOLE   0 0 61,241
ISHARES TR ESG ADVNCD HY BD 46435G441 300 6,168 SH   SOLE   0 0 6,168
ISHARES TR ESG AW MSCI EAFE 46435G516 200 2,716 SH   SOLE   0 0 2,716
ISHARES TR ESG AWARE MSCI 46435U663 510 13,412 SH   SOLE   0 0 13,412
ISHARES TR ESG AWRE USD ETF 46435G193 700 27,841 SH   SOLE   0 0 27,841
ISHARES TR IBOXX HI YD ETF 464288513 3,741 45,467 SH   SOLE   0 0 45,467
ISHARES TR IBOXX INV CP ETF 464287242 8,747 72,329 SH   SOLE   0 0 72,329
ISHARES TR INTL TREA BD ETF 464288117 1,645 35,410 SH   SOLE   0 0 35,410
ISHARES TR MSCI EAFE ETF 464287465 551 7,486 SH   SOLE   0 0 7,486
ISHARES TR MSCI EMG MKT ETF 464287234 363 8,045 SH   SOLE   0 0 8,045
ISHARES TR MSCI KLD400 SOC 464288570 1,288 14,874 SH   SOLE   0 0 14,874
ISHARES TR RUS 1000 ETF 464287622 2,128 8,508 SH   SOLE   0 0 8,508
ISHARES TR RUS 1000 GRW ETF 464287614 5,700 20,530 SH   SOLE   0 0 20,530
ISHARES TR RUS 1000 VAL ETF 464287598 3,537 21,311 SH   SOLE   0 0 21,311
ISHARES TR RUS MD CP GR ETF 464287481 1,160 11,541 SH   SOLE   0 0 11,541
ISHARES TR RUS MID CAP ETF 464287499 291 3,729 SH   SOLE   0 0 3,729
ISHARES TR US TREAS BD ETF 46429B267 8,888 356,813 SH   SOLE   0 0 356,813
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 895 22,347 SH   SOLE   0 0 22,347
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,803 64,935 SH   SOLE   0 0 64,935
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 6,968 140,664 SH   SOLE   0 0 140,664
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,504 46,500 SH   SOLE   0 0 46,500
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,850 39,068 SH   SOLE   0 0 39,068
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,284 21,153 SH   SOLE   0 0 21,153
SPDR S&P 500 ETF TR TR UNIT 78462F103 425 940 SH   SOLE   0 0 940
SPDR SER TR PORTFLI HIGH YLD 78468R606 2,230 88,831 SH   SOLE   0 0 88,831
SPDR SER TR PORTFOLIO S&P400 78464A847 1,001 21,232 SH   SOLE   0 0 21,232
SPDR SER TR PORTFOLIO S&P500 78464A854 2,545 47,894 SH   SOLE   0 0 47,894
SPDR SER TR PRTFLO S&P500 GW 78464A409 3,474 52,468 SH   SOLE   0 0 52,468
SPDR SER TR PRTFLO S&P500 VL 78464A508 3,828 91,696 SH   SOLE   0 0 91,696
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 7,418 95,222 SH   SOLE   0 0 95,222
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 795 9,994 SH   SOLE   0 0 9,994
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 8,610 164,190 SH   SOLE   0 0 164,190
VANGUARD INDEX FDS GROWTH ETF 922908736 13,865 48,208 SH   SOLE   0 0 48,208
VANGUARD INDEX FDS LARGE CAP ETF 922908637 5,206 24,971 SH   SOLE   0 0 24,971
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,007 6,727 SH   SOLE   0 0 6,727
VANGUARD INDEX FDS MID CAP ETF 922908629 2,104 8,846 SH   SOLE   0 0 8,846
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,126 10,393 SH   SOLE   0 0 10,393
VANGUARD INDEX FDS SM CP VAL ETF 922908611 928 5,273 SH   SOLE   0 0 5,273
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,687 17,349 SH   SOLE   0 0 17,349
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,135 4,575 SH   SOLE   0 0 4,575
VANGUARD INDEX FDS VALUE ETF 922908744 14,820 100,287 SH   SOLE   0 0 100,287
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,271 74,155 SH   SOLE   0 0 74,155
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,849 83,446 SH   SOLE   0 0 83,446
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 393 7,680 SH   SOLE   0 0 7,680
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 247 4,787 SH   SOLE   0 0 4,787
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,164 18,504 SH   SOLE   0 0 18,504
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,546 17,965 SH   SOLE   0 0 17,965
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 7,069 119,286 SH   SOLE   0 0 119,286
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,564 84,056 SH   SOLE   0 0 84,056
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 2,507 12,101 SH   SOLE   0 0 12,101
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 3,479 47,783 SH   SOLE   0 0 47,783
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 873 4,694 SH   SOLE   0 0 4,694
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 1,011 7,164 SH   SOLE   0 0 7,164
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,179 149,462 SH   SOLE   0 0 149,462
VANGUARD WORLD FD ESG INTL STK ETF 921910725 611 10,679 SH   SOLE   0 0 10,679
VANGUARD WORLD FD ESG US CORP BD 921910691 302 4,454 SH   SOLE   0 0 4,454
VANGUARD WORLD FD ESG US STK ETF 921910733 1,557 19,204 SH   SOLE   0 0 19,204