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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 364,848 1,908 SH SOLE 0 0 1,908
AMAZON COM INC COM 023135106 396,876 1,718 SH SOLE 0 0 1,718
APPLE INC COM 037833100 7,622,569 36,080 SH SOLE 0 0 36,080
BROADCOM INC COM 11135F101 1,454,979 4,892 SH SOLE 0 0 4,892
EBAY INC. COM 278642103 235,500 3,000 SH SOLE 0 0 3,000
FATE THERAPEUTICS INC COM 31189P102 30,954 26,456 SH SOLE 0 0 26,456
ISHARES INC MSCI JPN ETF NEW 46434G822 4,949,739 66,997 SH SOLE 0 0 66,997
ISHARES TR 20 YR TR BD ETF 464287432 9,625,808 110,236 SH SOLE 0 0 110,236
ISHARES TR CORE 1 5 YR USD 46432F859 26,473,053 545,274 SH SOLE 0 0 545,274
ISHARES TR CORE MSCI EAFE 46432F842 584,314 7,023 SH SOLE 0 0 7,023
ISHARES TR EUROPE ETF 464287861 6,313,299 100,084 SH SOLE 0 0 100,084
ISHARES TR MSCI AC ASIA ETF 464288182 2,772,700 32,620 SH SOLE 0 0 32,620
ISHARES TR U.S. TECH ETF 464287721 1,008,574 5,571 SH SOLE 0 0 5,571
MICROSOFT CORP COM 594918104 685,819 1,338 SH SOLE 0 0 1,338
NVIDIA CORPORATION COM 67066G104 351,196 2,001 SH SOLE 0 0 2,001
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 241,914 9,870 SH SOLE 0 0 9,870
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 25,652,554 1,018,767 SH SOLE 0 0 1,018,767
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 252,050 9,646 SH SOLE 0 0 9,646
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 4,059,786 30,200 SH SOLE 0 0 30,200
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 435,757 5,152 SH SOLE 0 0 5,152
VANGUARD BD INDEX FDS INTERMED TERM 921937819 23,603,710 306,303 SH SOLE 0 0 306,303
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,506,305 21,780 SH SOLE 0 0 21,780
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,674,691 118,216 SH SOLE 0 0 118,216
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 5,282,689 107,002 SH SOLE 0 0 107,002
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 200,137 1,182 SH SOLE 0 0 1,182
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 214,801 4,256 SH SOLE 0 0 4,256
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 18,897,643 244,345 SH SOLE 0 0 244,345
VANGUARD WORLD FD INF TECH ETF 92204A702 8,098,966 11,688 SH SOLE 0 0 11,688