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 329 101 SH   SOLE 0 101 0 0
VANGUARD TOTAL STOCK MARKET INDEX ETF ETF 922908769 362,937 1,864,657 SH   SOLE 0 1,864,657 0 0
INVESCO FUNDAMENTAL HIGH YIELD CORPORATE BOND ETF ETF 46138E719 2,528 130,066 SH   SOLE 0 130,066 0 0
COCA COLA CO COM Stock 191216100 409 7,464 SH   SOLE 0 7,464 0 0
VANGUARD REAL ESTATE INDEX ETF ETF 922908553 39,654 466,907 SH   SOLE 0 466,906 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846 1,132 12,000 SH   SOLE 0 12,000 0 0
SPDR TR UNIT SER 1 ETF 78462F103 886 2,371 SH   SOLE 0 2,371 0 0
ISHARES S&P 100 ETF ETF 464287101 940 5,475 SH   SOLE 0 5,475 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 308 2,531 SH   SOLE 0 2,531 0 0
ISHARES CORE MSCI PACIFIC ETF ETF 46434V696 6,618 102,726 SH   SOLE 0 102,726 0 0
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 7,105 113,083 SH   SOLE 0 113,083 0 0
BECTON DICKINSON & CO COM Stock 075887109 395 1,580 SH   SOLE 0 1,580 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 6,616 74,342 SH   SOLE 0 74,342 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 7,911 86,942 SH   SOLE 0 86,942 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 1,318 36,589 SH   SOLE 0 36,589 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,056 4,554 SH   SOLE 0 4,554 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 7,788 254,087 SH   SOLE 0 254,087 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 9,009 239,283 SH   SOLE 0 239,283 0 0
JPMORGAN BETABUILDERS EUROPE ETF ETF 46641Q720 659 25,223 SH   SOLE 0 25,223 0 0
LINDE PLC SHS Stock G5494J103 383 1,452 SH   SOLE 0 1,452 0 0
VANGUARD FTSE EUROPE INDEX ETF ETF 922042874 64,459 1,070,036 SH   SOLE 0 1,070,036 0 0
SCHWAB U.S. TIPS ETF ETF 808524870 1,100 17,713 SH   SOLE 0 17,713 0 0
VANGUARD S&P 500 ETF ETF 922908363 318 924 SH   SOLE 0 924 0 0
SCHWAB U.S. REIT ETF ETF 808524847 260 6,844 SH   SOLE 0 6,844 0 0
VANGUARD FTSE PACIFIC INDEX ETF ETF 922042866 72,542 911,440 SH   SOLE 0 911,440 0 0
SCHZ ETF 808524839 5,345 95,392 SH   SOLE 0 95,392 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 221 2,562 SH   SOLE 0 2,562 0 0
VANGUARD TOTAL BOND INDEX ETF ETF 921937835 625 7,084 SH   SOLE 0 7,084 0 0
VANGUARD INTERMEDIATE-TERM B ETF 921937819 577 6,219 SH   SOLE 0 6,219 0 0
ISHARES S&P NAT AMT-FREE MUN ETF 464288414 31,196 266,180 SH   SOLE 0 266,180 0 0
VANGUARD EMERGING MARKET ETF 922042858 216 4,307 SH   SOLE 0 4,307 0 0
SPDR NUVEEN BLOOMBERG BARCLAYS MUNICIPAL BOND ETF ETF 78468R721 240 4,569 SH   SOLE 0 4,569 0 0
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 11,426 222,811 SH   SOLE 0 222,811 0 0
ISHARES S&P SMALL-CAP 600 VALUE INDEX ETF ETF 464287879 115,623 1,422,005 SH   SOLE 0 1,422,005 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 289 1,293 SH   SOLE 0 1,293 0 0
EXXON MOBIL CORP COM Stock 30231G102 261 6,322 SH   SOLE 0 6,322 0 0
APPLE INC Stock 037833100 306 2,303 SH   SOLE 0 2,302 0 0