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
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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   4,818,256 25,026 SH   SOLE 0 0 0 25,026
FORD MTR CO DEL COM 345370860   206,035 16,902 SH   SOLE 0 0 0 16,902
FRANKLIN TEMPLETON ETF TR US LOW VOLATILIT 35473P504   425,344 8,232 SH   SOLE 0 0 0 8,232
ISHARES INC MSCI EMRG CHN 46434G764   1,033,064 18,644 SH   SOLE 0 0 0 18,644
ISHARES INC CORE MSCI EMKT 46434G103   1,187,163 23,471 SH   SOLE 0 0 0 23,471
ISHARES TR CORE MSCI EAFE 46432F842   2,620,608 37,251 SH   SOLE 0 0 0 37,251
ISHARES TR MSCI USA MMENTM 46432F396   365,554 2,330 SH   SOLE 0 0 0 2,330
ISHARES TR MSCI USA VALUE 46432F388   613,131 6,061 SH   SOLE 0 0 0 6,061
ISHARES TR MSCI USA QLT FCT 46432F339   5,002,466 33,998 SH   SOLE 0 0 0 33,998
ISHARES TR TRS FLT RT BD 46434V860   1,951,826 38,673 SH   SOLE 0 0 0 38,673
ISHARES TR CORE TOTAL USD 46434V613   1,063,618 23,087 SH   SOLE 0 0 0 23,087
ISHARES TR US INFRASTRUC 46435U713   606,184 15,053 SH   SOLE 0 0 0 15,053
ISHARES TR ESG AWR MSCI USA 46435G425   3,811,324 36,326 SH   SOLE 0 0 0 36,326
ISHARES TR MSCI USA MIN VOL 46429B697   1,594,933 20,440 SH   SOLE 0 0 0 20,440
ISHARES TR US TREAS BD ETF 46429B267   1,008,968 43,792 SH   SOLE 0 0 0 43,792
ISHARES TR S&P 100 ETF 464287101   1,866,200 8,354 SH   SOLE 0 0 0 8,354
ISHARES TR 7-10 YR TRSY BD 464287440   1,786,781 18,537 SH   SOLE 0 0 0 18,537
ISHARES TR 20 YR TR BD ETF 464287432   1,660,195 16,790 SH   SOLE 0 0 0 16,790
ISHARES TR IBOXX INV CP ETF 464287242   1,168,791 10,562 SH   SOLE 0 0 0 10,562
ISHARES TR CORE S&P SCP ETF 464287804   281,775 2,603 SH   SOLE 0 0 0 2,603
ISHARES TR CORE S&P500 ETF 464287200   5,446,893 11,404 SH   SOLE 0 0 0 11,404
ISHARES TR RUS 1000 GRW ETF 464287614   224,043 739 SH   SOLE 0 0 0 739
ISHARES TR GLOBAL ENERG ETF 464287341   551,451 14,100 SH   SOLE 0 0 0 14,100
ISHARES TR GLOBAL TECH ETF 464287291   1,956,698 28,699 SH   SOLE 0 0 0 28,699
ISHARES TR US HLTHCARE ETF 464287762   285,381 997 SH   SOLE 0 0 0 997
ISHARES TR U.S. TECH ETF 464287721   717,228 5,843 SH   SOLE 0 0 0 5,843
ISHARES TR TIPS BD ETF 464287176   396,101 3,685 SH   SOLE 0 0 0 3,685
ISHARES TR EAFE VALUE ETF 464288877   6,294,305 120,812 SH   SOLE 0 0 0 120,812
ISHARES TR EAFE GRWTH ETF 464288885   4,509,336 46,560 SH   SOLE 0 0 0 46,560
ISHARES TR CORE S&P TTL STK 464287150   9,981,276 94,852 SH   SOLE 0 0 0 94,852
ISHARES TR NATIONAL MUN ETF 464288414   594,520 5,484 SH   SOLE 0 0 0 5,484
ISHARES TR JPMORGAN USD EMG 464288281   470,415 5,282 SH   SOLE 0 0 0 5,282
ISHARES TR CALIF MUN BD ETF 464288356   4,243,178 73,234 SH   SOLE 0 0 0 73,234
ISHARES TR SHRT NAT MUN ETF 464288158   1,401,797 13,296 SH   SOLE 0 0 0 13,296
LOCKHEED MARTIN CORP COM 539830109   744,673 1,643 SH   SOLE 0 0 0 1,643
ORACLE CORP COM 68389X105   1,176,704 11,161 SH   SOLE 0 0 0 11,161
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   307,645 6,599 SH   SOLE 0 0 0 6,599
SELECT SECTOR SPDR TR ENERGY 81369Y506   421,296 5,025 SH   SOLE 0 0 0 5,025
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   793,821 22,418 SH   SOLE 0 0 0 22,418
SPDR S&P 500 ETF TR TR UNIT 78462F103   534,248 1,124 SH   SOLE 0 0 0 1,124
SPDR SER TR PORTFLI INTRMDIT 78464A672   837,722 29,332 SH   SOLE 0 0 0 29,332
TESLA INC COM 88160R101   732,271 2,947 SH   SOLE 0 0 0 2,947
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   8,661,174 117,759 SH   SOLE 0 0 0 117,759
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   20,850,648 47,735 SH   SOLE 0 0 0 47,735
VANGUARD INDEX FDS VALUE ETF 922908744   1,024,823 6,855 SH   SOLE 0 0 0 6,855
VANGUARD INDEX FDS SMALL CP ETF 922908751   434,127 2,035 SH   SOLE 0 0 0 2,035
VANGUARD INDEX FDS GROWTH ETF 922908736   3,122,790 10,045 SH   SOLE 0 0 0 10,045
VANGUARD INDEX FDS TOTAL STK MKT 922908769   731,284 3,083 SH   SOLE 0 0 0 3,083
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,669,194 40,613 SH   SOLE 0 0 0 40,613
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   660,768 11,770 SH   SOLE 0 0 0 11,770
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   608,465 11,919 SH   SOLE 0 0 0 11,919
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   3,506,531 75,637 SH   SOLE 0 0 0 75,637
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   719,889 15,029 SH   SOLE 0 0 0 15,029
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   202,158 2,548 SH   SOLE 0 0 0 2,548