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 576 183 SH   SOLE 0 183 0 0
ISHARES GOLD TRUST ETF 464285105 2,407 133,819 SH   SOLE 0 133,819 0 0
VANGUARD TOTAL STOCK MARKET INDEX ETF ETF 922908769 333,086 1,955,763 SH   SOLE 0 1,955,763 0 0
INVESCO FUNDAMENTAL HIGH YIELD CORPORATE BOND ETF ETF 46138E719 2,508 135,259 SH   SOLE 0 135,259 0 0
COCA COLA CO COM Stock 191216100 463 9,373 SH   SOLE 0 9,373 0 0
VANGUARD REAL ESTATE INDEX ETF ETF 922908553 37,394 473,586 SH   SOLE 0 473,586 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846 1,000 6,000 SH   SOLE 0 6,000 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 373 3,451 SH   SOLE 0 3,451 0 0
SPDR TR UNIT SER 1 ETF 78462F103 877 2,620 SH   SOLE 0 2,620 0 0
ISHARES S&P 100 ETF ETF 464287101 853 5,475 SH   SOLE 0 5,475 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 266 2,531 SH   SOLE 0 2,531 0 0
ISHARES CORE MSCI PACIFIC ETF ETF 46434V696 5,953 105,685 SH   SOLE 0 105,685 0 0
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 7,055 113,083 SH   SOLE 0 113,083 0 0
BECTON DICKINSON & CO COM Stock 075887109 377 1,620 SH   SOLE 0 1,620 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 5,466 80,003 SH   SOLE 0 80,002 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 6,588 82,720 SH   SOLE 0 82,719 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 980 31,197 SH   SOLE 0 31,197 0 0
PIMCO ENHANCED SHORT MATURITY ETF ETF 72201R833 404 3,959 SH   SOLE 0 3,959 0 0
ISHARE S&P SMALL-CAP 600 ETF 464287804 785 11,172 SH   SOLE 0 11,172 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 270 1,266 SH   SOLE 0 1,266 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 6,814 254,641 SH   SOLE 0 254,641 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 8,033 246,954 SH   SOLE 0 246,954 0 0
JPMORGAN BETABUILDERS EUROPE ETF ETF 46641Q720 657 28,724 SH   SOLE 0 28,724 0 0
TENABLE HLDGS INC COM Stock 88025T102 4,538 120,220 SH   SOLE 0 120,220 0 0
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 1,591 10,344 SH   SOLE 0 10,344 0 0
VANGUARD MID-CAP INDEX FUND ETF 922908629 608 3,449 SH   SOLE 0 3,449 0 0
TESLA INC COM Stock 88160R101 215 500 SH   SOLE 0 500 0 0
LINDE PLC SHS Stock G5494J103 346 1,452 SH   SOLE 0 1,452 0 0
VANGUARD FTSE EUROPE INDEX ETF ETF 922042874 57,238 1,091,696 SH   SOLE 0 1,091,696 0 0
SCHWAB U.S. TIPS ETF ETF 808524870 1,081 17,542 SH   SOLE 0 17,542 0 0
SCHWAB U.S. REIT ETF ETF 808524847 301 8,510 SH   SOLE 0 8,510 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 529 10,134 SH   SOLE 0 10,134 0 0
VANGUARD FTSE PACIFIC INDEX ETF ETF 922042866 64,361 945,784 SH   SOLE 0 945,783 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839 5,020 89,510 SH   SOLE 0 89,510 0 0
ISHARES MSCI ETF EAFE MINIMUM VOLATILITY ETF 46429B689 1,308 19,199 SH   SOLE 0 19,199 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 6,737 105,716 SH   SOLE 0 105,716 0 0
INVESCO TOTAL RETURN BOND ETF ETF 46090A804 1,868 32,347 SH   SOLE 0 32,347 0 0
VANGUARD TOTAL BOND INDEX ETF ETF 921937835 2,225 25,220 SH   SOLE 0 25,220 0 0
INVESCO S&P MIDCAP LOW VOLATILITY ETF ETF 46138E198 4,827 115,861 SH   SOLE 0 115,860 0 0
ISHARES RUSSELL MIDCAP INDEX ETF 464287499 233 4,054 SH   SOLE 0 4,054 0 0
VANGUARD INTERMEDIATE-TERM B ETF 921937819 581 6,219 SH   SOLE 0 6,219 0 0
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 580 5,718 SH   SOLE 0 5,718 0 0
ISHARES S&P NAT AMT-FREE MUN ETF 464288414 32,898 283,775 SH   SOLE 0 283,775 0 0
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 10,115 226,231 SH   SOLE 0 226,231 0 0
ISHARES S&P SMALL-CAP 600 VALUE INDEX ETF ETF 464287879 93,693 765,343 SH   SOLE 0 765,342 0 0
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1,924 23,169 SH   SOLE 0 23,169 0 0
VANGUARD MEGA CAP ETF ETF 921910873 2,517 20,989 SH   SOLE 0 20,989 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 253 1,293 SH   SOLE 0 1,293 0 0
EXXON MOBIL CORP COM Stock 30231G102 233 6,793 SH   SOLE 0 6,793 0 0
DESCARTES SYS GROUP INC COM Stock 249906108 207 3,639 SH   SOLE 0 3,639 0 0
APPLE INC Stock 037833100 447 3,864 SH   SOLE 0 3,863 0 0