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
Expires: July 31, 2015
Estimated average burden
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
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 6,912,365 100,852 SH SOLE 0 0 100,852
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 7,240,710 106,153 SH SOLE 0 0 106,153
AMERICAN CENTY ETF TR US SML CP VALU 025072877 3,118,690 34,234 SH SOLE 0 0 34,234
APPLE INC COM 037833100 1,282,163 6,249 SH SOLE 0 0 6,249
DAVE INC CLASS A COM NEW 23834J201 500,853 1,866 SH SOLE 0 0 1,866
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 204,792 6,900 SH SOLE 0 0 6,900
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 10,149,312 285,414 SH SOLE 0 0 285,414
DIMENSIONAL ETF TRUST GLOBAL EX US COR 25434V575 3,725,649 69,821 SH SOLE 0 0 69,821
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 25,704,071 648,111 SH SOLE 0 0 648,111
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 380,564 2,094 SH SOLE 0 0 2,094
INVESCO QQQ TR UNIT SER 1 46090E103 1,064,831 1,930 SH SOLE 0 0 1,930
ISHARES INC ESG AWR MSCI EM 46434G863 1,221,364 31,181 SH SOLE 0 0 31,181
ISHARES TR MRGSTR MD CP GRW 464288307 6,709,470 83,628 SH SOLE 0 0 83,628
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,967,742 19,121 SH SOLE 0 0 19,121
ISHARES TR CALIF MUN BD ETF 464288356 4,433,838 79,545 SH SOLE 0 0 79,545
ISHARES TR EXPND TEC SC ETF 464287549 202,212 1,800 SH SOLE 0 0 1,800
ISHARES TR ESG AW MSCI EAFE 46435G516 3,118,972 34,958 SH SOLE 0 0 34,958
ISHARES TR SHORT TREAS BD 464288679 265,560 2,405 SH SOLE 0 0 2,405
ISHARES TR SHRT NAT MUN ETF 464288158 575,406 5,411 SH SOLE 0 0 5,411
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 2,351,645 47,374 SH SOLE 0 0 47,374
MICROSOFT CORP COM 594918104 662,839 1,333 SH SOLE 0 0 1,333
NVIDIA CORPORATION COM 67066G104 739,313 4,679 SH SOLE 0 0 4,679
ORACLE CORP COM 68389X105 263,668 1,206 SH SOLE 0 0 1,206
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 219,154 8,270 SH SOLE 0 0 8,270
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 575,251 19,694 SH SOLE 0 0 19,694
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 215,264 2,255 SH SOLE 0 0 2,255
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,160,283 3,818 SH SOLE 0 0 3,818
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 345,891 609 SH SOLE 0 0 609
VANGUARD INDEX FDS GROWTH ETF 922908736 318,278 726 SH SOLE 0 0 726
VANGUARD INDEX FDS SM CP VAL ETF 922908611 210,511 1,079 SH SOLE 0 0 1,079
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 28,042,880 557,845 SH SOLE 0 0 557,845
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 414,148 6,924 SH SOLE 0 0 6,924
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,409,695 29,060 SH SOLE 0 0 29,060
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,410,428 42,898 SH SOLE 0 0 42,898
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,338,697 6,541 SH SOLE 0 0 6,541
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 745,121 13,070 SH SOLE 0 0 13,070
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 265,443 1,991 SH SOLE 0 0 1,991
VANGUARD WORLD FD ESG US STK ETF 921910733 16,321,635 148,866 SH SOLE 0 0 148,866