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
APPLE INC COM 037833100 690 5,050 SH   SOLE   0 0 5,050
BOSTON SCIENTIFIC CORP COM 101137107 261 7,011 SH   SOLE   0 0 7,011
ISHARES TR 0-5 YR TIPS ETF 46429B747 655 6,453 SH   SOLE   0 0 6,453
ISHARES TR 1 3 YR TREAS BD 464287457 3,360 40,589 SH   SOLE   0 0 40,589
ISHARES TR BROAD USD HIGH 46435U853 4,913 141,918 SH   SOLE   0 0 141,918
ISHARES TR CALIF MUN BD ETF 464288356 516 9,147 SH   SOLE   0 0 9,147
ISHARES TR COHEN STEER REIT 464287564 211 3,471 SH   SOLE   0 0 3,471
ISHARES TR CORE INTL AGGR 46435G672 1,833 36,807 SH   SOLE   0 0 36,807
ISHARES TR CORE MSCI EAFE 46432F842 10,290 174,846 SH   SOLE   0 0 174,846
ISHARES TR CORE S&P MCP ETF 464287507 4,909 21,699 SH   SOLE   0 0 21,699
ISHARES TR CORE S&P SCP ETF 464287804 7,335 79,374 SH   SOLE   0 0 79,374
ISHARES TR CORE S&P US GWT 464287671 2,892 34,549 SH   SOLE   0 0 34,549
ISHARES TR CORE US AGGBD ET 464287226 695 6,834 SH   SOLE   0 0 6,834
ISHARES TR CRE U S REIT ETF 464288521 3,313 62,037 SH   SOLE   0 0 62,037
ISHARES TR ESG ADVNCD HY BD 46435G441 295 6,773 SH   SOLE   0 0 6,773
ISHARES TR ESG AW MSCI EAFE 46435G516 317 5,044 SH   SOLE   0 0 5,044
ISHARES TR ESG AWARE MSCI 46435U663 444 14,096 SH   SOLE   0 0 14,096
ISHARES TR ESG AWRE USD ETF 46435G193 849 36,657 SH   SOLE   0 0 36,657
ISHARES TR IBOXX HI YD ETF 464288513 4,969 67,507 SH   SOLE   0 0 67,507
ISHARES TR IBOXX INV CP ETF 464287242 7,227 65,682 SH   SOLE   0 0 65,682
ISHARES TR INTL TREA BD ETF 464288117 3,297 80,637 SH   SOLE   0 0 80,637
ISHARES TR MSCI EAFE ETF 464287465 468 7,486 SH   SOLE   0 0 7,486
ISHARES TR MSCI EMG MKT ETF 464287234 323 8,055 SH   SOLE   0 0 8,055
ISHARES TR MSCI KLD400 SOC 464288570 1,143 15,904 SH   SOLE   0 0 15,904
ISHARES TR RUS 1000 ETF 464287622 2,025 9,745 SH   SOLE   0 0 9,745
ISHARES TR RUS 1000 GRW ETF 464287614 7,604 34,767 SH   SOLE   0 0 34,767
ISHARES TR RUS 1000 VAL ETF 464287598 3,142 21,671 SH   SOLE   0 0 21,671
ISHARES TR RUS MD CP GR ETF 464287481 1,014 12,799 SH   SOLE   0 0 12,799
ISHARES TR RUS MID CAP ETF 464287499 241 3,720 SH   SOLE   0 0 3,720
ISHARES TR US TREAS BD ETF 46429B267 8,146 340,833 SH   SOLE   0 0 340,833
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 915 22,347 SH   SOLE   0 0 22,347
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,648 64,935 SH   SOLE   0 0 64,935
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,077 46,500 SH   SOLE   0 0 46,500
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,523 39,068 SH   SOLE   0 0 39,068
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,180 21,153 SH   SOLE   0 0 21,153
SPDR S&P 500 ETF TR TR UNIT 78462F103 353 937 SH   SOLE   0 0 937
SPDR SER TR PORTFOLIO S&P400 78464A847 843 21,232 SH   SOLE   0 0 21,232
SPDR SER TR PORTFOLIO S&P500 78464A854 2,124 47,894 SH   SOLE   0 0 47,894
SPDR SER TR PRTFLO S&P500 VL 78464A508 3,376 91,696 SH   SOLE   0 0 91,696
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 559 7,282 SH   SOLE   0 0 7,282
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 693 9,207 SH   SOLE   0 0 9,207
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 6,887 139,020 SH   SOLE   0 0 139,020
VANGUARD INDEX FDS GROWTH ETF 922908736 12,695 56,956 SH   SOLE   0 0 56,956
VANGUARD INDEX FDS LARGE CAP ETF 922908637 4,650 26,982 SH   SOLE   0 0 26,982
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 871 6,727 SH   SOLE   0 0 6,727
VANGUARD INDEX FDS MID CAP ETF 922908629 1,757 8,922 SH   SOLE   0 0 8,922
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 948 10,407 SH   SOLE   0 0 10,407
VANGUARD INDEX FDS SM CP VAL ETF 922908611 885 5,909 SH   SOLE   0 0 5,909
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,281 18,633 SH   SOLE   0 0 18,633
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,073 5,444 SH   SOLE   0 0 5,444
VANGUARD INDEX FDS VALUE ETF 922908744 13,184 99,970 SH   SOLE   0 0 99,970
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,456 69,184 SH   SOLE   0 0 69,184
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,487 83,726 SH   SOLE   0 0 83,726
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 379 7,557 SH   SOLE   0 0 7,557
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 239 4,787 SH   SOLE   0 0 4,787
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 909 14,863 SH   SOLE   0 0 14,863
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,931 24,129 SH   SOLE   0 0 24,129
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,030 39,727 SH   SOLE   0 0 39,727
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 2,079 12,101 SH   SOLE   0 0 12,101
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 2,790 43,905 SH   SOLE   0 0 43,905
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 704 4,694 SH   SOLE   0 0 4,694
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 854 7,164 SH   SOLE   0 0 7,164
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 6,347 155,554 SH   SOLE   0 0 155,554
VANGUARD WORLD FD ESG INTL STK ETF 921910725 395 8,051 SH   SOLE   0 0 8,051
VANGUARD WORLD FD ESG US STK ETF 921910733 1,278 19,244 SH   SOLE   0 0 19,244