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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 BBG001S5N8V8 900,078 4,675 SH   SOLE   0 0 4,675
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 BBG001SPJ625 929,296 30,579 SH   SOLE   0 0 30,579
ECOLAB INC COM 278865100 BBG001S5QRB5 967,551 4,878 SH   SOLE   0 0 4,878
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 636,201 6,453 SH   SOLE   0 0 6,453
ISHARES TR 0-5YR INVT GR CP 46434V100 BBG005DW0468 267,992 5,447 SH   SOLE   0 0 5,447
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 3,612,713 44,036 SH   SOLE   0 0 44,036
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 220,615 3,195 SH   SOLE   0 0 3,195
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 5,640,938 155,184 SH   SOLE   0 0 155,184
ISHARES TR CALIF MUN BD ETF 464288356 BBG001T03XM5 632,125 10,910 SH   SOLE   0 0 10,910
ISHARES TR COHEN STEER REIT 464287564 BBG001SDX760 209,314 3,564 SH   SOLE   0 0 3,564
ISHARES TR CORE INTL AGGR 46435G672 BBG00BDV2SQ0 1,832,989 36,807 SH   SOLE   0 0 36,807
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 13,082,427 185,962 SH   SOLE   0 0 185,962
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 6,373,896 22,998 SH   SOLE   0 0 22,998
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 9,206,663 85,050 SH   SOLE   0 0 85,050
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,689,057 5,630 SH   SOLE   0 0 5,630
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 568,306 5,726 SH   SOLE   0 0 5,726
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 4,515,354 83,171 SH   SOLE   0 0 83,171
ISHARES TR ESG ADVNCD HY BD 46435G441 BBG00D331HK0 488,788 10,749 SH   SOLE   0 0 10,749
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 286,297 3,790 SH   SOLE   0 0 3,790
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 868,452 22,848 SH   SOLE   0 0 22,848
ISHARES TR ESG AWRE USD ETF 46435G193 BBG00H4BH3F2 1,309,892 56,291 SH   SOLE   0 0 56,291
ISHARES TR ESG SCRD S&P MID 46436E551 BBG00XDJF7W4 435,573 11,546 SH   SOLE   0 0 11,546
ISHARES TR ESG SCRND S&P500 46436E569 BBG00XDJC7F6 274,713 7,550 SH   SOLE   0 0 7,550
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 5,866,239 75,801 SH   SOLE   0 0 75,801
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 8,633,915 78,022 SH   SOLE   0 0 78,022
ISHARES TR INTL TREA BD ETF 464288117 BBG001T33MN2 3,395,921 82,166 SH   SOLE   0 0 82,166
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 528,882 7,019 SH   SOLE   0 0 7,019
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 755,023 18,777 SH   SOLE   0 0 18,777
ISHARES TR MSCI KLD400 SOC 464288570 BBG001SRYH02 1,813,352 19,916 SH   SOLE   0 0 19,916
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 242,947 2,241 SH   SOLE   0 0 2,241
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 4,851,285 18,498 SH   SOLE   0 0 18,498
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 9,552,584 31,509 SH   SOLE   0 0 31,509
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 3,715,481 22,484 SH   SOLE   0 0 22,484
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 291,643 3,752 SH   SOLE   0 0 3,752
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,248,711 11,617 SH   SOLE   0 0 11,617
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 9,272,102 402,435 SH   SOLE   0 0 402,435
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 250,000 1,595 SH   SOLE   0 0 1,595
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 342,756 5,643 SH   SOLE   0 0 5,643
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 4,205,491 50,693 SH   SOLE   0 0 50,693
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 211,723 4,056 SH   SOLE   0 0 4,056
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 4,524,588 133,037 SH   SOLE   0 0 133,037
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 1,519,620 42,915 SH   SOLE   0 0 42,915
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 423,229 890 SH   SOLE   0 0 890
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 1,830,359 43,394 SH   SOLE   0 0 43,394
SPDR SER TR PORTFOLIO SHORT 78464A474 BBG001T6B0P2 218,466 7,336 SH   SOLE   0 0 7,336
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 4,275,784 91,696 SH   SOLE   0 0 91,696
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 719,469 8,603 SH   SOLE   0 0 8,603
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 406,589 5,279 SH   SOLE   0 0 5,279
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 910,181 12,375 SH   SOLE   0 0 12,375
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 8,417,424 170,514 SH   SOLE   0 0 170,514
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 14,602,344 46,971 SH   SOLE   0 0 46,971
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 5,283,375 24,219 SH   SOLE   0 0 24,219
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 1,024,733 4,667 SH   SOLE   0 0 4,667
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 1,067,129 7,359 SH   SOLE   0 0 7,359
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 2,942,663 12,649 SH   SOLE   0 0 12,649
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 1,035,933 11,724 SH   SOLE   0 0 11,724
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,115,814 6,200 SH   SOLE   0 0 6,200
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 4,094,016 19,191 SH   SOLE   0 0 19,191
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 1,325,625 5,483 SH   SOLE   0 0 5,483
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 16,056,001 107,398 SH   SOLE   0 0 107,398
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 434,973 7,748 SH   SOLE   0 0 7,748
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 3,891,636 94,687 SH   SOLE   0 0 94,687
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 355,463 7,485 SH   SOLE   0 0 7,485
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 969,052 16,336 SH   SOLE   0 0 16,336
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 1,885,615 23,199 SH   SOLE   0 0 23,199
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 3,180,294 41,105 SH   SOLE   0 0 41,105
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 BBG001TCHM11 2,692,008 12,409 SH   SOLE   0 0 12,409
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 BBG001TCH581 3,083,313 42,505 SH   SOLE   0 0 42,505
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 BBG001TCHH03 978,459 7,164 SH   SOLE   0 0 7,164
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 7,095,906 148,140 SH   SOLE   0 0 148,140
VANGUARD WORLD FD ESG INTL STK ETF 921910725 BBG00M0P2VR5 936,554 16,942 SH   SOLE   0 0 16,942
VANGUARD WORLD FD ESG US STK ETF 921910733 BBG00M0P2SP4 2,078,781 24,439 SH   SOLE   0 0 24,439