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 TR RUS 1000 ETF 464287622 26,638 161,891 SH   SOLE   0 0 161,891
ISHARES TR RUS 1000 VAL ETF 464287598 21,923 170,926 SH   SOLE   0 0 170,926
ISHARES TR MSCI EAFE ETF 464287465 18,935 290,363 SH   SOLE   0 0 290,363
ISHARES TR CORE US AGGBD ET 464287226 12,890 113,901 SH   SOLE   0 0 113,901
ISHARES TR RUSSELL 2000 ETF 464287655 10,465 69,147 SH   SOLE   0 0 69,147
ISHARES TR MBS ETF 464288588 10,076 93,038 SH   SOLE   0 0 93,038
ISHARES TR EAFE VALUE ETF 464288877 9,421 198,878 SH   SOLE   0 0 198,878
PIMCO ETF TR 1-5 US TIP IDX 72201R205 9,169 174,921 SH   SOLE   0 0 174,921
ISHARES TR 3 7 YR TREAS BD 464288661 9,049 71,367 SH   SOLE   0 0 71,367
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 8,171 100,814 SH   SOLE   0 0 100,814
ISHARES TR RUS 2000 VAL ETF 464287630 7,072 59,228 SH   SOLE   0 0 59,228
ISHARES TR CALIF MUN BD ETF 464288356 5,030 82,081 SH   SOLE   0 0 82,081
ISHARES TR MSCI EMG MKT ETF 464287234 4,576 111,964 SH   SOLE   0 0 111,964
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 3,642 74,347 SH   SOLE   0 0 74,347
ISHARES TR MICRO-CAP ETF 464288869 3,367 38,194 SH   SOLE   0 0 38,194
ISHARES TR EAFE SML CP ETF 464288273 3,181 55,582 SH   SOLE   0 0 55,582
WISDOMTREE TR EMER MKT HIGH FD 97717W315 2,465 59,681 SH   SOLE   0 0 59,681
WISDOMTREE TR INTL SMCAP DIV 97717W760 1,962 30,881 SH   SOLE   0 0 30,881
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,715 11,355 SH   SOLE   0 0 11,355
INVESCO EXCHNG TRADED FD TR PFD ETF 46138E511 1,499 99,812 SH   SOLE   0 0 99,812
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,418 5,177 SH   SOLE   0 0 5,177
VANGUARD STAR FD VG TL INTL STK F 921909768 1,191 23,056 SH   SOLE   0 0 23,056
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,163 13,771 SH   SOLE   0 0 13,771
ISHARES TR CORE S&P500 ETF 464287200 955 3,200 SH   SOLE   0 0 3,200
APPLE INC COM 037833100 934 4,171 SH   SOLE   0 0 4,171
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 864 9,264 SH   SOLE   0 0 9,264
MICROSOFT CORP COM 594918104 841 6,050 SH   SOLE   0 0 6,050
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 732 8,020 SH   SOLE   0 0 8,020
SPDR S&P 500 ETF TR TR UNIT 78462F103 581 1,949 SH   SOLE   0 0 1,949
VANGUARD GROUP DIV APP ETF 921908844 558 4,666 SH   SOLE   0 0 4,666
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 546 9,288 SH   SOLE   0 0 9,288
PROCTER & GAMBLE CO COM 742718109 519 4,171 SH   SOLE   0 0 4,171
CISCO SYS INC COM 17275R102 435 8,812 SH   SOLE   0 0 8,812
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 400 9,935 SH   SOLE   0 0 9,935
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 393 6,445 SH   SOLE   0 0 6,445
ISHARES TR MSCI UK SM ETF 46429B416 379 10,080 SH   SOLE   0 0 10,080
ALPHABET INC CAP STK CL A 02079K305 353 289 SH   SOLE   0 0 289
JOHNSON & JOHNSON COM 478160104 347 2,681 SH   SOLE   0 0 2,681
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 341 11,870 SH   SOLE   0 0 11,870
ISHARES TR S&P 500 VAL ETF 464287408 338 2,838 SH   SOLE   0 0 2,838
VANGUARD INDEX FDS SML CP GRW ETF 922908595 317 1,744 SH   SOLE   0 0 1,744
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 316 2,719 SH   SOLE   0 0 2,719
VANGUARD INDEX FDS MID CAP ETF 922908629 305 1,818 SH   SOLE   0 0 1,818
SPOTIFY TECHNOLOGY S A SHS L8681T102 304 2,670 SH   SOLE   0 0 2,670
DEERE & CO COM 244199105 294 1,737 SH   SOLE   0 0 1,737
INTEL CORP COM 458140100 289 5,609 SH   SOLE   0 0 5,609
NETFLIX INC COM 64110L106 282 1,054 SH   SOLE   0 0 1,054
ISHARES TR TIPS BD ETF 464287176 278 2,390 SH   SOLE   0 0 2,390
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 275 1,857 SH   SOLE   0 0 1,857
SALESFORCE COM INC COM 79466L302 245 1,648 SH   SOLE   0 0 1,648
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 238 1,898 SH   SOLE   0 0 1,898
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 237 1,140 SH   SOLE   0 0 1,140
VANGUARD INDEX FDS SMALL CP ETF 922908751 234 1,521 SH   SOLE   0 0 1,521
ABBOTT LABS COM 002824100 232 2,768 SH   SOLE   0 0 2,768
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 232 5,658 SH   SOLE   0 0 5,658
ISHARES TR MSCI UK ETF NEW 46435G334 231 7,352 SH   SOLE   0 0 7,352
INVESCO EXCHNG TRADED FD TR SOLAR ETF 46138G706 225 7,675 SH   SOLE   0 0 7,675
SPDR SERIES TRUST FTSE INT GVT ETF 78464A490 225 4,122 SH   SOLE   0 0 4,122
DISNEY WALT CO COM DISNEY 254687106 215 1,646 SH   SOLE   0 0 1,646
ISHARES TR CORE S&P SCP ETF 464287804 207 2,664 SH   SOLE   0 0 2,664
COCA COLA CO COM 191216100 201 3,665 SH   SOLE   0 0 3,665
ABEONA THERAPEUTICS INC COM 00289Y107 33 14,530 SH   SOLE   0 0 14,530