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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
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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
CAPITAL GROUP EQUITY ETF TR US SM MI CA ETF 14022A102 1,990,994 60,388 SH SOLE 60,388 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 2,892,982 63,596 SH SOLE 63,596 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,638,760 2,225 SH SOLE 2,225 0 0
ISHARES TR CORE US AGGBD ET 464287226 4,079,082 41,211 SH SOLE 41,211 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 1,426,334 34,107 SH SOLE 34,107 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 1,273,801 40,145 SH SOLE 40,145 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,066,699 65,175 SH SOLE 65,175 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 13,683,884 155,711 SH SOLE 155,711 0 0
SPDR SERIES TRUST ST INTER ETF 78464A672 1,835,087 64,638 SH SOLE 64,638 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 3,549,385 60,986 SH SOLE 60,986 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,459,120 28,765 SH SOLE 28,765 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 2,949,241 13,533 SH SOLE 13,533 0 0
SPDR GOLD TR GOLD SHS 78463V107 865,176 2,349 SH SOLE 2,349 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 299,503 3,050 SH SOLE 3,050 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 575,517 2,623 SH SOLE 2,623 0 0
ISHARES TR NATIONAL MUN ETF 464288414 425,160 3,951 SH SOLE 3,951 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 236,023 1,901 SH SOLE 1,901 0 0
ISHARES TR US TREAS BD ETF 46429B267 619,968 27,215 SH SOLE 27,215 0 0
SPDR SERIES TRUST ST STR P500VAL 78464A508 287,876 4,736 SH SOLE 4,736 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 862,339 2,330 SH SOLE 2,330 0 0
DIREXION SHARES ETF TRUST DAILY 500 1X ETF 25460E869 2,592,113 298,975 SH SOLE 298,975 0 0
EXXON MOBIL CORP COM 30231G102 324,948 2,377 SH SOLE 2,377 0 0
HONEYWELL AEROSPACE INC COM 43849R105 204,278 924 SH SOLE 924 0 0
HONEYWELL INTL INC COM 438516205 214,562 924 SH SOLE 924 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 212,434 2,226 SH SOLE 2,226 0 0
MASTERCARD INCORPORATED CL A 57636Q104 405,254 789 SH SOLE 789 0 0
VISA INC COM CL A 92826C839 546,745 1,594 SH SOLE 1,594 0 0
SPDR SERIES TRUST ST STR PR SP1500 78464A805 690,222 7,602 SH SOLE 7,602 0 0
3M CO COM 88579Y101 615,538 3,802 SH SOLE 3,802 0 0
ALPHABET INC CAP STK CL C 02079K107 204,635 579 SH SOLE 579 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 737,726 1,474 SH SOLE 1,474 0 0
CHEVRON CORPORATION COM 166764100 513,805 3,100 SH SOLE 3,100 0 0
COCA COLA CO COM 191216100 215,843 2,656 SH SOLE 2,656 0 0
ISHARES TR RUS MID CAP ETF 464287499 680,649 6,170 SH SOLE 6,170 0 0
JPMORGAN CHASE & CO COM 46625H100 790,534 2,415 SH SOLE 2,415 0 0
FIRST TR EXCHANGE-TRADED FD SHS 336917109 256,292 5,267 SH SOLE 5,267 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 294,645 3,657 SH SOLE 3,657 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 275,506 909 SH SOLE 909 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 524,918 2,467 SH SOLE 2,467 0 0
ISHARES TR CALIF MUN BD ETF 464288356 343,449 5,959 SH SOLE 5,959 0 0
DIREXION SHARES ETF TRUST DAIL MA 7 1X ETF 25461A668 2,292,397 173,666 SH SOLE 173,666 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 320,754 3,013 SH SOLE 3,013 0 0
PROSHARES TR II ULTRASHORT GOLD 74347Y698 1,563,229 57,940 SH SOLE 57,940 0 0