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
ALPHABET INC CAP STK CL C 02079K107 458,019 1,373 SH SOLE 1,373 0 0
AMAZON COM INC COM 023135106 647,172 2,714 SH SOLE 2,714 0 0
APPLE INC COM 037833100 44,529,186 174,344 SH SOLE 174,344 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 772,717 1,598 SH SOLE 1,598 0 0
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 2,608,178 75,468 SH SOLE 75,468 0 0
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 8,279,673 135,178 SH SOLE 135,178 0 0
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 2,801,284 71,571 SH SOLE 71,571 0 0
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 6,410,066 120,808 SH SOLE 120,808 0 0
BLACKROCK ETF TRUST II ISHARES SHORT-TE 092528884 697,857 13,793 SH SOLE 13,793 0 0
BROADCOM INC COM 11135F101 4,421,371 13,610 SH SOLE 13,610 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,051,809 1,076 SH SOLE 1,076 0 0
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 500,990 6,633 SH SOLE 6,633 0 0
ELI LILLY & CO COM 532457108 263,196 248 SH SOLE 248 0 0
EXXON MOBIL CORP COM 30231G102 208,572 1,547 SH SOLE 1,547 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 898,506 9,678 SH SOLE 9,678 0 0
FIDELITY COVINGTON TRUST ENHANCED HIGH YI 316092618 290,991 5,869 SH SOLE 5,869 0 0
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 328,377 5,700 SH SOLE 5,700 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 233,258 9,711 SH SOLE 9,711 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 852,712 35,309 SH SOLE 35,309 0 0
INVESCO EXCHANGE TRADED FD T LARGE CAP GROWTH 46137V746 204,204 1,519 SH SOLE 1,519 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 537,910 860 SH SOLE 860 0 0
ISHARES GOLD TR ISHARES NEW 464285204 3,532,970 37,119 SH SOLE 37,119 0 0
ISHARES INC CORE MSCI EMKT 46434G103 6,262,003 86,253 SH SOLE 86,253 0 0
ISHARES INC MSCI EMRG CHN 46434G764 521,969 6,553 SH SOLE 6,553 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 332,913 3,246 SH SOLE 3,246 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 5,764,392 56,265 SH SOLE 56,265 0 0
ISHARES TR 20 YR TR BD ETF 464287432 840,952 9,518 SH SOLE 9,518 0 0
ISHARES TR CONV BD ETF 46435G102 745,537 7,194 SH SOLE 7,194 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 222,519 1,722 SH SOLE 1,722 0 0
ISHARES TR CORE INTL AGGR 46435G672 2,753,215 54,812 SH SOLE 54,812 0 0
ISHARES TR CORE MSCI EAFE 46432F842 462,815 4,931 SH SOLE 4,931 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 2,907,709 32,456 SH SOLE 32,456 0 0
ISHARES TR CORE S&P SCP ETF 464287804 543,586 4,242 SH SOLE 4,242 0 0
ISHARES TR CORE S&P500 ETF 464287200 25,184,421 36,190 SH SOLE 36,190 0 0
ISHARES TR CORE UNIVRSL USD 46434V613 18,464,463 395,131 SH SOLE 395,131 0 0
ISHARES TR EAFE GRWTH ETF 464288885 1,186,187 9,874 SH SOLE 9,874 0 0
ISHARES TR EAFE VALUE ETF 464288877 6,902,802 92,942 SH SOLE 92,942 0 0
ISHARES TR ESG ADVANCED UNI 46436E619 531,948 12,088 SH SOLE 12,088 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 1,498,058 9,912 SH SOLE 9,912 0 0
ISHARES TR ESG MSCI LEADR 46435U218 554,551 4,479 SH SOLE 4,479 0 0
ISHARES TR EUROPE ETF 464287861 911,350 12,712 SH SOLE 12,712 0 0
ISHARES TR FUTURE AI & TECH 46435U556 423,920 8,104 SH SOLE 8,104 0 0
ISHARES TR GNMA BOND ETF 46429B333 262,251 5,854 SH SOLE 5,854 0 0
ISHARES TR GOV/CRED BD ETF 464288596 283,538 2,696 SH SOLE 2,696 0 0
ISHARES TR IBOXX INV CP ETF 464287242 266,265 2,400 SH SOLE 2,400 0 0
ISHARES TR INVESTMENT GRADE 46435G219 2,706,653 59,052 SH SOLE 59,052 0 0
ISHARES TR ISHARES SEMICDTR 464287523 207,919 606 SH SOLE 606 0 0
ISHARES TR JPMORGAN USD EMG 464288281 1,708,578 17,647 SH SOLE 17,647 0 0
ISHARES TR LARGE CAP MAX BU 46438G471 381,009 14,254 SH SOLE 14,254 0 0
ISHARES TR MBS ETF 464288588 6,782,089 70,831 SH SOLE 70,831 0 0
ISHARES TR MORNINGSTAR VALU 464288109 873,503 9,065 SH SOLE 9,065 0 0
ISHARES TR MSCI EAFE ETF 464287465 336,456 3,349 SH SOLE 3,349 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 468,745 7,922 SH SOLE 7,922 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 1,027,534 25,643 SH SOLE 25,643 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 212,752 2,227 SH SOLE 2,227 0 0
ISHARES TR MSCI USA MMENTM 46432F396 2,514,399 9,786 SH SOLE 9,786 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 5,073,547 24,903 SH SOLE 24,903 0 0
ISHARES TR MSCI USA VALUE 46432F388 376,345 2,600 SH SOLE 2,600 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,352,139 12,559 SH SOLE 12,559 0 0
ISHARES TR RUS 1000 ETF 464287622 500,917 1,319 SH SOLE 1,319 0 0
ISHARES TR RUS MID CAP ETF 464287499 294,182 2,928 SH SOLE 2,928 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 661,798 2,507 SH SOLE 2,507 0 0
ISHARES TR S&P 100 ETF 464287101 6,703,322 19,506 SH SOLE 19,506 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 7,012,271 56,410 SH SOLE 56,410 0 0
ISHARES TR S&P 500 VAL ETF 464287408 7,468,737 34,396 SH SOLE 34,396 0 0
ISHARES TR SYSTEMATIC BD ET 46435U796 853,630 9,472 SH SOLE 9,472 0 0
ISHARES TR U.S. TECH ETF 464287721 1,391,944 6,917 SH SOLE 6,917 0 0
ISHARES TR US AER DEF ETF 464288760 1,049,408 4,497 SH SOLE 4,497 0 0
ISHARES TR US TREAS BD ETF 46429B267 3,658,730 158,627 SH SOLE 158,627 0 0
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167 201,020 2,681 SH SOLE 2,681 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDRS US 46641Q399 364,159 2,910 SH SOLE 2,910 0 0
JOHNSON & JOHNSON COM 478160104 590,224 2,665 SH SOLE 2,665 0 0
MICROSOFT CORP COM 594918104 716,943 1,525 SH SOLE 1,525 0 0
NVIDIA CORPORATION COM 67066G104 667,663 3,581 SH SOLE 3,581 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 264,762 6,794 SH SOLE 6,794 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,263,939 128,350 SH SOLE 128,350 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649 828,480 32,000 SH SOLE 32,000 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,274,154 54,312 SH SOLE 54,312 0 0
SELECT SECTOR SPDR TR STATE STREET CON 81369Y407 201,454 1,647 SH SOLE 1,647 0 0
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605 493,829 9,246 SH SOLE 9,246 0 0
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 418,199 2,863 SH SOLE 2,863 0 0
SELECT SECTOR SPDR TR STATE STREET UTI 81369Y886 214,350 5,000 SH SOLE 5,000 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 269,472 545 SH SOLE 545 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 9,411,763 13,586 SH SOLE 13,586 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A102 222,928 781 SH SOLE 781 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A763 344,956 2,351 SH SOLE 2,351 0 0
UNION PAC CORP COM 907818108 226,373 980 SH SOLE 980 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 1,483,605 28,971 SH SOLE 28,971 0 0
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 4,484,383 44,510 SH SOLE 44,510 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 296,130 6,102 SH SOLE 6,102 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 963,031 1,978 SH SOLE 1,978 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 359,700 1,200 SH SOLE 1,200 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 441,503 693 SH SOLE 693 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,913,275 8,527 SH SOLE 8,527 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 312,729 1,141 SH SOLE 1,141 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 917,577 2,683 SH SOLE 2,683 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 440,074 8,885 SH SOLE 8,885 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,211,035 63,535 SH SOLE 63,535 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 223,846 2,802 SH SOLE 2,802 0 0