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
AFFIRM HLDGS INC COM CL A 00827B106 742,840 10,744 SH SOLE 10,744 0 0
ALPHABET INC CAP STK CL A 02079K305 1,494,880 8,483 SH SOLE 8,483 0 0
ALPHABET INC CAP STK CL C 02079K107 467,729 2,637 SH SOLE 2,637 0 0
ALTRIA GROUP INC COM 02209S103 550,576 9,391 SH SOLE 9,391 0 0
AMAZON COM INC COM 023135106 3,175,670 14,475 SH SOLE 14,475 0 0
AMERIPRISE FINL INC COM 03076C106 207,087 388 SH SOLE 388 0 0
AMGEN INC COM 031162100 954,668 3,419 SH SOLE 3,419 0 0
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839 324,143 17,223 SH SOLE 17,223 0 0
APPLE INC COM 037833100 5,994,584 29,218 SH SOLE 29,218 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 286,096 357 SH SOLE 357 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 2,287,033 32,728 SH SOLE 32,728 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,104,356 4,332 SH SOLE 4,332 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 1,128,915 23,852 SH SOLE 23,852 0 0
BROADCOM INC COM 11135F101 608,176 2,206 SH SOLE 2,206 0 0
CATERPILLAR INC COM 149123101 986,473 2,541 SH SOLE 2,541 0 0
CHEVRON CORP NEW COM 166764100 237,889 1,661 SH SOLE 1,661 0 0
CISCO SYS INC COM 17275R102 460,683 6,640 SH SOLE 6,640 0 0
COSTCO WHSL CORP NEW COM 22160K105 292,211 295 SH SOLE 295 0 0
DEERE & CO COM 244199105 236,448 465 SH SOLE 465 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 636,749 8,142 SH SOLE 8,142 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 1,122,004 35,574 SH SOLE 35,574 0 0
EXXON MOBIL CORP COM 30231G102 333,671 3,095 SH SOLE 3,095 0 0
GLOBAL X FTSE GREECE 20 ETF COMMON 37950E366 578,659 9,970 SH SOLE 9,970 0 0
HOME DEPOT INC COM 437076102 311,964 851 SH SOLE 851 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 247,795 456 SH SOLE 456 0 0
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 193,514 14,840 SH SOLE 14,840 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 5,041,720 9,140 SH SOLE 9,140 0 0
ISHARES GOLD TR ISHARES NEW 464285204 13,065,854 209,523 SH SOLE 209,523 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 663,395 16,936 SH SOLE 16,936 0 0
ISHARES INC MSCI GBL GOLD MN 46434G855 207,430 4,738 SH SOLE 4,738 0 0
ISHARES TR CORE MSCI EAFE 46432F842 201,604 2,415 SH SOLE 2,415 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 14,680,860 189,896 SH SOLE 189,896 0 0
ISHARES TR CORE S&P SCP ETF 464287804 786,342 7,195 SH SOLE 7,195 0 0
ISHARES TR CORE S&P US GWT 464287671 1,781,217 11,843 SH SOLE 11,843 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,356,409 2,185 SH SOLE 2,185 0 0
ISHARES TR CORE TOTAL USD 46434V613 4,068,075 87,996 SH SOLE 87,996 0 0
ISHARES TR CORE US AGGBD ET 464287226 247,901 2,499 SH SOLE 2,499 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 1,704,994 19,110 SH SOLE 19,110 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 2,433,776 17,988 SH SOLE 17,988 0 0
ISHARES TR ESG MSCI KLD 400 464288570 1,485,622 12,789 SH SOLE 12,789 0 0
ISHARES TR ESG OPTIMIZED 464288802 291,145 2,297 SH SOLE 2,297 0 0
ISHARES TR EXPND TEC SC ETF 464287549 9,995,605 88,976 SH SOLE 88,976 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 256,290 19,549 SH SOLE 19,549 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 1,672,384 19,426 SH SOLE 19,426 0 0
ISHARES TR IBOXX HI YD ETF 464288513 328,084 4,068 SH SOLE 4,068 0 0
ISHARES TR ISHARES BIOTECH 464287556 1,437,533 11,363 SH SOLE 11,363 0 0
ISHARES TR ISHARES SEMICDTR 464287523 430,775 1,805 SH SOLE 1,805 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 992,943 18,820 SH SOLE 18,820 0 0
ISHARES TR JPMORGAN USD EMG 464288281 592,126 6,393 SH SOLE 6,393 0 0
ISHARES TR MSCI EAFE ETF 464287465 222,134 2,485 SH SOLE 2,485 0 0
ISHARES TR MSCI USA MMENTM 46432F396 486,167 2,023 SH SOLE 2,023 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 614,641 3,362 SH SOLE 3,362 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,621,717 25,093 SH SOLE 25,093 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 10,404,477 24,505 SH SOLE 24,505 0 0
ISHARES TR RUS MD CP GR ETF 464287481 418,398 3,017 SH SOLE 3,017 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,779,676 13,377 SH SOLE 13,377 0 0
ISHARES TR SELECT DIVID ETF 464287168 8,888,719 66,928 SH SOLE 66,928 0 0
ISHARES TR SELECT US REIT 464287564 1,210,601 19,794 SH SOLE 19,794 0 0
ISHARES TR SHORT TREAS BD 464288679 31,828,117 288,246 SH SOLE 288,246 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,343,712 12,636 SH SOLE 12,636 0 0
ISHARES TR ULTRA SHORT DUR 46434V878 354,970 7,000 SH SOLE 7,000 0 0
JOHNSON & JOHNSON COM 478160104 1,040,485 6,812 SH SOLE 6,812 0 0
JPMORGAN CHASE & CO. COM 46625H100 554,088 1,911 SH SOLE 1,911 0 0
LOCKHEED MARTIN CORP COM 539830109 265,608 573 SH SOLE 573 0 0
MARRIOTT INTL INC NEW CL A 571903202 637,945 2,335 SH SOLE 2,335 0 0
MEDTRONIC PLC SHS G5960L103 251,663 2,887 SH SOLE 2,887 0 0
MERCK & CO INC COM 58933Y105 351,246 4,437 SH SOLE 4,437 0 0
MICROSOFT CORP COM 594918104 3,363,351 6,762 SH SOLE 6,762 0 0
NETFLIX INC COM 64110L106 274,522 205 SH SOLE 205 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 667,985 7,110 SH SOLE 7,110 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 618,392 15,179 SH SOLE 15,179 0 0
NVIDIA CORPORATION COM 67066G104 536,788 3,398 SH SOLE 3,398 0 0
ORACLE CORP COM 68389X105 271,538 1,242 SH SOLE 1,242 0 0
PALO ALTO NETWORKS INC COM 697435105 270,125 1,320 SH SOLE 1,320 0 0
PEPSICO INC COM 713448108 232,624 1,762 SH SOLE 1,762 0 0
PHILIP MORRIS INTL INC COM 718172109 1,908,540 10,479 SH SOLE 10,479 0 0
PROCTER AND GAMBLE CO COM 742718109 808,599 5,075 SH SOLE 5,075 0 0
S&P GLOBAL INC COM 78409V104 266,281 505 SH SOLE 505 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 248,275 11,234 SH SOLE 11,234 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 292,730 6,873 SH SOLE 6,873 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 211,375 8,670 SH SOLE 8,670 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,377,385 127,448 SH SOLE 127,448 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 443,380 15,179 SH SOLE 15,179 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,263,228 84,829 SH SOLE 84,829 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 485,695 1,918 SH SOLE 1,918 0 0
SOUTHERN CO COM 842587107 753,465 8,205 SH SOLE 8,205 0 0
SPDR GOLD TR GOLD SHS 78463V107 2,022,852 6,636 SH SOLE 6,636 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,457,635 3,978 SH SOLE 3,978 0 0
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 296,288 3,230 SH SOLE 3,230 0 0
SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622 1,257,993 12,933 SH SOLE 12,933 0 0
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 261,285 2,741 SH SOLE 2,741 0 0
UNION PAC CORP COM 907818108 248,947 1,082 SH SOLE 1,082 0 0
UNITEDHEALTH GROUP INC COM 91324P102 589,311 1,889 SH SOLE 1,889 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 628,786 12,078 SH SOLE 12,078 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 3,815,265 49,331 SH SOLE 49,331 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,402,340 20,166 SH SOLE 20,166 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 8,927,168 113,433 SH SOLE 113,433 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 22,739,693 308,837 SH SOLE 308,837 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 427,621 8,637 SH SOLE 8,637 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 105,972,905 241,727 SH SOLE 241,727 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 501,642 1,758 SH SOLE 1,758 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 3,535,643 12,432 SH SOLE 12,432 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,123,020 18,990 SH SOLE 18,990 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 5,118,373 18,291 SH SOLE 18,291 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,908,208 66,340 SH SOLE 66,340 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 9,721,962 17,115 SH SOLE 17,115 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,716,141 34,440 SH SOLE 34,440 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,798,661 24,469 SH SOLE 24,469 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 223,591 807 SH SOLE 807 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,095,942 13,477 SH SOLE 13,477 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 21,148,666 119,660 SH SOLE 119,660 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,508,013 22,434 SH SOLE 22,434 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,749,820 35,378 SH SOLE 35,378 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 921,320 11,888 SH SOLE 11,888 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 482,276 5,869 SH SOLE 5,869 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 5,818,245 115,740 SH SOLE 115,740 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,339,303 27,316 SH SOLE 27,316 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 17,222,419 207,699 SH SOLE 207,699 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 5,958,300 78,502 SH SOLE 78,502 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 4,116,850 70,038 SH SOLE 70,038 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 25,541,249 321,274 SH SOLE 321,274 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 369,642 3,385 SH SOLE 3,385 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 10,610,968 51,844 SH SOLE 51,844 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 38,983,364 564,240 SH SOLE 564,240 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,476,054 25,891 SH SOLE 25,891 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 761,539 11,653 SH SOLE 11,653 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 60,804,859 456,116 SH SOLE 456,116 0 0
VANGUARD WORLD FD COMM SRVC ETF 92204A884 1,699,291 9,936 SH SOLE 9,936 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 1,715,480 4,735 SH SOLE 4,735 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 5,317,644 81,185 SH SOLE 81,185 0 0
VANGUARD WORLD FD ESG US CORP BD 921910691 244,041 3,849 SH SOLE 3,849 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 4,741,051 43,242 SH SOLE 43,242 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 864,749 6,793 SH SOLE 6,793 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 6,910,379 27,826 SH SOLE 27,826 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 22,331,209 33,668 SH SOLE 33,668 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 645,558 1,763 SH SOLE 1,763 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876 3,478,063 19,705 SH SOLE 19,705 0 0
WALMART INC COM 931142103 2,006,543 20,521 SH SOLE 20,521 0 0