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
Estimated average burden
hours per response: 23.8
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
Advanced Micro Devices Equities 007903107 3,087 28,233 SH   SOLE   0 0 28,233
Apple Inc Equities 037833100 10,616 60,796 SH   SOLE   0 0 60,796
AT&T Inc Equities 00206R102 808 34,176 SH   SOLE   0 0 34,176
BlackRock Ultra Short Term Bond ETF ETF 46434V878 6,065 120,928 SH   SOLE   0 0 120,928
Charles Schwab Corp Equities 808513105 870 10,316 SH   SOLE   0 0 10,316
Chevron Corp Equities 166764100 1,974 12,125 SH   SOLE   0 0 12,125
Cisco Systems Inc Equities 17275R102 981 17,600 SH   SOLE   0 0 17,600
Comcast Corp Class A Equities 20030N101 532 11,356 SH   SOLE   0 0 11,356
Consumer Staples SPDR ETF ETF 81369Y308 16,728 220,428 SH   SOLE   0 0 220,428
Extreme Networks Inc Equities 30226D106 2,200 180,143 SH   SOLE   0 0 180,143
Exxon Mobil Corp Equities 30231G102 1,109 13,433 SH   SOLE   0 0 13,433
Financial Select Sector SPDR ETF 81369Y605 22,228 580,071 SH   SOLE   0 0 580,071
Intel Corp Equities 458140100 1,025 20,683 SH   SOLE   0 0 20,683
iShares Core MSCI EAFE ETF ETF 46432F842 12,579 180,971 SH   SOLE   0 0 180,971
iShares Core MSCI Pacific ETF ETF 46434V696 2,984 48,994 SH   SOLE   0 0 48,994
iShares Core S&P Small Cap ETF ETF 464287804 17,405 161,339 SH   SOLE   0 0 161,339
iShares Interest Rate Hedged Corp Bd ETF ETF 46431W705 24,883 266,043 SH   SOLE   0 0 266,043
iShares Russell 2000 ETF ETF 464287655 3,065 14,930 SH   SOLE   0 0 14,930
Merck & Co Inc Equities 58933Y105 1,052 12,823 SH   SOLE   0 0 12,823
Microsoft Corp Equities 594918104 4,883 15,839 SH   SOLE   0 0 15,839
Pfizer Inc Equities 717081103 1,182 22,833 SH   SOLE   0 0 22,833
PS Interest Rate Hedged ETF ETF 74347B607 45,695 632,638 SH   SOLE   0 0 632,638
Schwab US Dividend Equity ETF ETF 808524797 22,878 289,996 SH   SOLE   0 0 289,996
Schwab US Large Cap ETF ETF 808524201 1,726 32,046 SH   SOLE   0 0 32,046
Schwab US Mid Cap ETF ETF 808524508 7,865 103,681 SH   SOLE   0 0 103,681
Schwab US Small Cap ETF ETF 808524607 569 12,023 SH   SOLE   0 0 12,023
Uber Technologies Inc Equities 90353T100 1,313 36,807 SH   SOLE   0 0 36,807
VanEck IG Floating Rate ETF ETF 92189F486 23,596 940,065 SH   SOLE   0 0 940,065
Vanguard Dividend Appreciation ETF ETF 921908844 21,467 132,384 SH   SOLE   0 0 132,384
Vanguard FTSE Emerging Markets ETF ETF 922042858 664 14,396 SH   SOLE   0 0 14,396
Vanguard FTSE Europe ETF ETF 922042874 13,608 218,503 SH   SOLE   0 0 218,503
Vanguard Health Care ETF ETF 92204A504 27,250 107,124 SH   SOLE   0 0 107,124
Vanguard International Dividend ETF ETF 921946810 36,709 464,404 SH   SOLE   0 0 464,404
Vanguard International High Dividend ETF ETF 921946794 13,473 199,244 SH   SOLE   0 0 199,244
Vanguard Mega Cap Blend ETF ETF 921910873 7,718 48,530 SH   SOLE   0 0 48,530
Vanguard Mega Cap Value ETF ETF 921910840 16,068 149,721 SH   SOLE   0 0 149,721
Vanguard Mid Cap Value ETF ETF 922908512 19,563 130,708 SH   SOLE   0 0 130,708
Vanguard Pacific Index ETF ETF 922042866 15,308 206,732 SH   SOLE   0 0 206,732
Vanguard Short-Term Treasury ETF ETF 92206C102 650 10,972 SH   SOLE   0 0 10,972
Vanguard Small Cap Value Index ETF ETF 922908611 9,095 51,691 SH   SOLE   0 0 51,691
Vanguard Total International Stock ETF ETF 921909768 11,750 196,689 SH   SOLE   0 0 196,689
Vanguard Ultra-Short Bond ETF ETF 92203C303 981 19,865 SH   SOLE   0 0 19,865
Verizon Communications Inc Equities 92343V104 641 12,575 SH   SOLE   0 0 12,575