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
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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
AMAZON COM INC COM Stock 023135106 226 113 SH   SOLE 0 113 0 0
WISDOMTREE U.S. SMALLCAP EARNINGS FUND ETF 97717W562 781 19,840 SH   SOLE 0 19,840 0 0
ISHARES GOLD TRUST ETF 464285105 1,298 113,893 SH   SOLE 0 113,893 0 0
JOHNSON & JOHNSON COM Stock 478160104 311 2,225 SH   SOLE 0 2,225 0 0
VANGUARD TOTAL STOCK MARKET INDEX ETF ETF 922908769 373,684 2,493,220 SH   SOLE 0 2,493,219 0 0
INVESCO FUNDAMENTAL HIGH YIELD CORPORATE BOND ETF ETF 46138E719 237 12,770 SH   SOLE 0 12,770 0 0
VANGUARD REAL ESTATE INDEX ETF ETF 922908553 42,670 533,842 SH   SOLE 0 533,841 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846 876 6,000 SH   SOLE 0 6,000 0 0
ISHARES CORE MSCI PACIFIC ETF ETF 46434V696 443 7,489 SH   SOLE 0 7,489 0 0
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 683 11,810 SH   SOLE 0 11,810 0 0
DOWDUPONT INC COM Stock 26078J100 629 9,704 SH   SOLE 0 9,703 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 923 12,267 SH   SOLE 0 12,267 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 4,419 62,683 SH   SOLE 0 62,683 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 239 7,097 SH   SOLE 0 7,097 0 0
FS INVT CORP COM CEF 302635107 400 56,981 SH   SOLE 0 56,981 0 0
ISHARE S&P SMALL-CAP 600 ETF 464287804 915 10,645 SH   SOLE 0 10,645 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,379 6,419 SH   SOLE 0 6,419 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 1,586 61,503 SH   SOLE 0 61,503 0 0
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 1,511 9,389 SH   SOLE 0 9,389 0 0
VANGUARD FTSE EUROPE INDEX ETF ETF 922042874 72,145 1,282,352 SH   SOLE 0 1,282,351 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 359 6,378 SH   SOLE 0 6,378 0 0
SCHWAB U.S. TIPS ETF ETF 808524870 373 6,945 SH   SOLE 0 6,945 0 0
VANGUARD FTSE PACIFIC INDEX ETF ETF 922042866 76,376 1,071,189 SH   SOLE 0 1,071,189 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839 503 10,034 SH   SOLE 0 10,034 0 0
ISHARES MSCI ETF EAFE MINIMUM VOLATILITY ETF 46429B689 222 3,057 SH   SOLE 0 3,057 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF 46429B697 1,861 32,627 SH   SOLE 0 32,627 0 0
VANGUARD BOND INDEX FUND TOTAL BOND MARKET ETF 921937835 651 8,304 SH   SOLE 0 8,304 0 0
ISHARES RUSSELL MIDCAP INDEX ETF 464287499 279 1,271 SH   SOLE 0 1,271 0 0
A T & T INC NEW Stock 00206R102 618 18,454 SH   SOLE 0 18,453 0 0
GENERAL ELECTRIC COMPANY Stock 369604103 133 10,961 SH   SOLE 0 10,961 0 0
ISHARES TRUST S&P 500 S&P 500 INDEX ETF 464287200 255 867 SH   SOLE 0 867 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102 201 630 SH   SOLE 0 630 0 0
ISHARES S&P NAT AMT-FREE MUN ETF 464288414 9,039 83,952 SH   SOLE 0 83,952 0 0
VANGUARD MSCI EAFE ETF ETF 921943858 818 18,852 SH   SOLE 0 18,852 0 0
VANGUARD EMERGING MARKET ETF 922042858 206 5,019 SH   SOLE 0 5,019 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX FUND ETF 921946406 358 4,093 SH   SOLE 0 4,093 0 0
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 1,892 39,432 SH   SOLE 0 39,432 0 0
ISHARES S&P SMALL-CAP 600 VALUE INDEX ETF ETF 464287879 118,337 718,983 SH   SOLE 0 718,982 0 0
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 342 4,390 SH   SOLE 0 4,390 0 0
VANGUARD MEGA CAP ETF ETF 921910873 4,412 43,704 SH   SOLE 0 43,704 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 268 1,555 SH   SOLE 0 1,555 0 0
EXXON MOBIL CORP COM Stock 30231G102 350 4,077 SH   SOLE 0 4,077 0 0