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
ISHARES GOLD TRUST ETF 464285105 688 55,575 SH   SOLE 0 55,575 0 0
JOHNSON & JOHNSON COM Stock 478160104 318 2,273 SH   SOLE 0 2,273 0 0
VANGUARD TOTAL STOCK MARKET INDEX ETF ETF 922908769 336,037 2,322,139 SH   SOLE 0 2,322,138 0 0
INVESCO FUNDAMENTAL HIGH YIELD CORPORATE BOND ETF ETF 46138E719 2,664 142,835 SH   SOLE 0 142,835 0 0
VANGUARD REAL ESTATE INDEX ETF ETF 922908553 42,264 486,298 SH   SOLE 0 486,298 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846 847 6,000 SH   SOLE 0 6,000 0 0
SPDR TR UNIT SER 1 ETF 78462F103 664 2,351 SH   SOLE 0 2,351 0 0
ISHARES CORE MSCI PACIFIC ETF ETF 46434V696 1,614 29,006 SH   SOLE 0 29,006 0 0
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 4,414 74,065 SH   SOLE 0 74,065 0 0
DOWDUPONT INC COM Stock 26078J100 485 9,104 SH   SOLE 0 9,103 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 2,047 29,271 SH   SOLE 0 29,271 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 7,640 112,269 SH   SOLE 0 112,269 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 306 9,762 SH   SOLE 0 9,762 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 3,359 129,138 SH   SOLE 0 129,138 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 3,165 98,149 SH   SOLE 0 98,149 0 0
TENABLE HLDGS INC COM Stock 88025T102 3,799 120,000 SH   SOLE 0 120,000 0 0
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 202 1,323 SH   SOLE 0 1,323 0 0
VANGUARD FTSE EUROPE INDEX ETF ETF 922042874 67,288 1,255,133 SH   SOLE 0 1,255,132 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 349 6,378 SH   SOLE 0 6,378 0 0
SCHWAB U.S. TIPS ETF ETF 808524870 1,553 28,241 SH   SOLE 0 28,241 0 0
SCHWAB U.S. REIT ETF ETF 808524847 300 6,741 SH   SOLE 0 6,741 0 0
VANGUARD FTSE PACIFIC INDEX ETF ETF 922042866 68,942 1,046,792 SH   SOLE 0 1,046,792 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839 4,834 93,180 SH   SOLE 0 93,180 0 0
VANGUARD BOND INDEX FUND TOTAL BOND MARKET ETF 921937835 504 6,210 SH   SOLE 0 6,210 0 0
A T & T INC NEW Stock 00206R102 417 13,294 SH   SOLE 0 13,293 0 0
VANGUARD INTERMEDIATE-TERM B ETF 921937819 546 6,509 SH   SOLE 0 6,509 0 0
ISHARES S&P NAT AMT-FREE MUN ETF 464288414 43,354 389,906 SH   SOLE 0 389,906 0 0
VANGUARD MSCI EAFE ETF ETF 921943858 738 18,054 SH   SOLE 0 18,054 0 0
VANGUARD EMERGING MARKET ETF 922042858 229 5,391 SH   SOLE 0 5,391 0 0
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 4,099 89,361 SH   SOLE 0 89,361 0 0
ISHARES S&P SMALL-CAP 600 VALUE INDEX ETF ETF 464287879 104,389 707,533 SH   SOLE 0 707,532 0 0
SPDR BLOOMBERG BARCLAYS HIGH YIELD BOND ETF ETF 78468R622 286 7,940 SH   SOLE 0 7,940 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 259 1,555 SH   SOLE 0 1,555 0 0
EXXON MOBIL CORP COM Stock 30231G102 390 4,822 SH   SOLE 0 4,822 0 0