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 393,859 1,373 SH SOLE 1,373 0 0
AMAZON COM INC COM 023135106 565,332 2,714 SH SOLE 2,714 0 0
APPLE INC COM 037833100 44,229,496 174,276 SH SOLE 174,276 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 765,892 1,598 SH SOLE 1,598 0 0
BLACKROCK ETF TRUST ISHARES A I INNO 09290C780 2,816,833 85,488 SH SOLE 85,488 0 0
BLACKROCK ETF TRUST ISHARES DEFENSE 09290C699 1,942,652 59,372 SH SOLE 59,372 0 0
BLACKROCK ETF TRUST ISHARES LARGE CA 09290C855 1,996,775 48,631 SH SOLE 48,631 0 0
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 7,157,389 123,021 SH SOLE 123,021 0 0
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 2,828,533 78,093 SH SOLE 78,093 0 0
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 5,298,035 102,023 SH SOLE 102,023 0 0
BLACKROCK ETF TRUST II ISHARES SHORT-TE 092528884 1,043,245 20,687 SH SOLE 20,687 0 0
BROADCOM INC COM 11135F101 4,047,390 13,077 SH SOLE 13,077 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 1,072,787 1,077 SH SOLE 1,077 0 0
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 470,346 6,633 SH SOLE 6,633 0 0
ELI LILLY & CO COM 532457108 228,148 248 SH SOLE 248 0 0
EXXON MOBIL CORP COM 30231G102 262,547 1,547 SH SOLE 1,547 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 990,560 11,666 SH SOLE 11,666 0 0
FIDELITY COVINGTON TRUST ENHANCED HIGH YI 316092618 284,881 5,869 SH SOLE 5,869 0 0
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 317,740 5,752 SH SOLE 5,752 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605 234,132 9,711 SH SOLE 9,711 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 842,826 35,309 SH SOLE 35,309 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 496,388 860 SH SOLE 860 0 0
ISHARES GOLD TR ISHARES NEW 464285204 1,594,711 18,089 SH SOLE 18,089 0 0
ISHARES INC CORE MSCI EMKT 46434G103 5,786,633 82,962 SH SOLE 82,962 0 0
ISHARES INC MSCI EMRG CHN 46434G764 361,830 4,600 SH SOLE 4,600 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 5,590,155 55,502 SH SOLE 55,502 0 0
ISHARES TR 20 YR TR BD ETF 464287432 585,375 6,753 SH SOLE 6,753 0 0
ISHARES TR CONV BD ETF 46435G102 461,504 4,534 SH SOLE 4,534 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 222,129 1,637 SH SOLE 1,637 0 0
ISHARES TR CORE INTL AGGR 46435G672 3,326,831 66,483 SH SOLE 66,483 0 0
ISHARES TR CORE MSCI EAFE 46432F842 446,533 4,932 SH SOLE 4,932 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,570,885 18,131 SH SOLE 18,131 0 0
ISHARES TR CORE S&P SCP ETF 464287804 443,588 3,568 SH SOLE 3,568 0 0
ISHARES TR CORE S&P500 ETF 464287200 22,553,501 34,527 SH SOLE 34,527 0 0
ISHARES TR CORE UNIVRSL USD 46434V613 18,301,731 396,227 SH SOLE 396,227 0 0
ISHARES TR EAFE GRWTH ETF 464288885 3,762,211 33,781 SH SOLE 33,781 0 0
ISHARES TR EAFE VALUE ETF 464288877 6,603,172 88,812 SH SOLE 88,812 0 0
ISHARES TR ESG ADVANCED UNI 46436E619 470,210 10,809 SH SOLE 10,809 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 1,383,720 9,784 SH SOLE 9,784 0 0
ISHARES TR ESG MSCI LEADR 46435U218 508,806 4,479 SH SOLE 4,479 0 0
ISHARES TR EUROPE ETF 464287861 865,377 12,737 SH SOLE 12,737 0 0
ISHARES TR FUTURE AI & TECH 46435U556 377,079 8,104 SH SOLE 8,104 0 0
ISHARES TR GNMA BOND ETF 46429B333 248,522 5,606 SH SOLE 5,606 0 0
ISHARES TR GOV/CRED BD ETF 464288596 218,340 2,096 SH SOLE 2,096 0 0
ISHARES TR INVESTMENT GRADE 46435G219 2,147,852 47,666 SH SOLE 47,666 0 0
ISHARES TR LARGE CAP MAX BU 46438G471 378,740 14,254 SH SOLE 14,254 0 0
ISHARES TR LONG TERM MUNI 46438G448 672,707 13,473 SH SOLE 13,473 0 0
ISHARES TR MBS ETF 464288588 6,457,486 68,009 SH SOLE 68,009 0 0
ISHARES TR MORNINGSTAR VALU 464288109 847,855 9,103 SH SOLE 9,103 0 0
ISHARES TR MSCI EAFE ETF 464287465 549,641 5,659 SH SOLE 5,659 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 449,890 7,922 SH SOLE 7,922 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 1,020,946 25,729 SH SOLE 25,729 0 0
ISHARES TR MSCI USA MMENTM 46432F396 2,661,406 11,090 SH SOLE 11,090 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 4,202,713 21,911 SH SOLE 21,911 0 0
ISHARES TR MSCI USA VALUE 46432F388 411,866 2,897 SH SOLE 2,897 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,230,748 11,594 SH SOLE 11,594 0 0
ISHARES TR RUS 1000 ETF 464287622 421,463 1,182 SH SOLE 1,182 0 0
ISHARES TR RUS MID CAP ETF 464287499 257,418 2,648 SH SOLE 2,648 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 621,736 2,507 SH SOLE 2,507 0 0
ISHARES TR S&P 100 ETF 464287101 2,375,887 7,470 SH SOLE 7,470 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 6,660,136 58,882 SH SOLE 58,882 0 0
ISHARES TR S&P 500 VAL ETF 464287408 7,493,901 35,491 SH SOLE 35,491 0 0
ISHARES TR SYSTEMATIC BD ET 46435U796 1,334,996 15,000 SH SOLE 15,000 0 0
ISHARES TR TRUST ISHARE 0-1 464288679 663,030 6,006 SH SOLE 6,006 0 0
ISHARES TR U.S. FINLS ETF 464287788 371,688 3,159 SH SOLE 3,159 0 0
ISHARES TR U.S. TECH ETF 464287721 1,059,324 5,839 SH SOLE 5,839 0 0
ISHARES TR US TREAS BD ETF 46429B267 7,892,891 344,517 SH SOLE 344,517 0 0
ISHARES U S ETF TR SHORT DURATION B 46431W507 205,729 4,047 SH SOLE 4,047 0 0
J P MORGAN EXCHANGE TRADED F ACTIVE BOND ETF 46654Q716 225,827 4,200 SH SOLE 4,200 0 0
J P MORGAN EXCHANGE TRADED F BETABUILDRS US 46641Q399 339,446 2,897 SH SOLE 2,897 0 0
JOHNSON & JOHNSON COM 478160104 651,491 2,665 SH SOLE 2,665 0 0
MICROSOFT CORP COM 594918104 526,349 1,422 SH SOLE 1,422 0 0
NVIDIA CORPORATION COM 67066G104 590,813 3,388 SH SOLE 3,388 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 678,388 17,731 SH SOLE 17,731 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,680,397 189,107 SH SOLE 189,107 0 0
SCHWAB STRATEGIC TR MUN BD ETF 808524649 1,459,775 57,291 SH SOLE 57,291 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,249,501 53,811 SH SOLE 53,811 0 0
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 380,467 2,863 SH SOLE 2,863 0 0
SELECT SECTOR SPDR TR STATE STREET UTI 81369Y886 229,450 5,000 SH SOLE 5,000 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A763 343,122 2,351 SH SOLE 2,351 0 0
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 449,954 971 SH SOLE 971 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 11,621,601 17,870 SH SOLE 17,870 0 0
UNION PAC CORP COM 907818108 239,196 986 SH SOLE 986 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 1,796,165 35,823 SH SOLE 35,823 0 0
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 5,694,821 57,477 SH SOLE 57,477 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 213,871 4,451 SH SOLE 4,451 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 864,133 1,978 SH SOLE 1,978 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 714,504 2,488 SH SOLE 2,488 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 414,102 693 SH SOLE 693 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,444,836 11,254 SH SOLE 11,254 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 298,952 1,141 SH SOLE 1,141 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 860,650 2,683 SH SOLE 2,683 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 443,806 8,885 SH SOLE 8,885 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,163,141 63,402 SH SOLE 63,402 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 222,137 2,802 SH SOLE 2,802 0 0