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 2,159 28,233 SH   SOLE   0 0 28,233
Amazon.com Inc. Equities 023135106 1,338 12,601 SH   SOLE   0 0 12,601
Apple Inc Equities 037833100 8,301 60,716 SH   SOLE   0 0 60,716
AT&T Inc Equities 00206R102 723 34,473 SH   SOLE   0 0 34,473
BlackRock Ultra Short Term Bond ETF ETF 46434V878 36,642 732,249 SH   SOLE   0 0 732,249
Box Inc Equities 10316T104 473 18,813 SH   SOLE   0 0 18,813
Charles Schwab Corp Equities 808513105 652 10,320 SH   SOLE   0 0 10,320
Chevron Corp Equities 166764100 1,747 12,069 SH   SOLE   0 0 12,069
Cisco Systems Inc Equities 17275R102 752 17,645 SH   SOLE   0 0 17,645
Comcast Corp Class A Equities 20030N101 447 11,382 SH   SOLE   0 0 11,382
Consumer Staples SPDR ETF ETF 81369Y308 16,207 224,529 SH   SOLE   0 0 224,529
Extreme Networks Inc Equities 30226D106 1,607 180,143 SH   SOLE   0 0 180,143
Exxon Mobil Corp Equities 30231G102 1,142 13,337 SH   SOLE   0 0 13,337
Financial Select Sector SPDR ETF 81369Y605 18,272 580,970 SH   SOLE   0 0 580,970
Intel Corp Equities 458140100 780 20,861 SH   SOLE   0 0 20,861
iShares Core MSCI Pacific ETF ETF 46434V696 2,361 45,415 SH   SOLE   0 0 45,415
iShares Core S&P Small Cap ETF ETF 464287804 15,167 164,129 SH   SOLE   0 0 164,129
iShares Floating Rate ETF ETF 46429B655 35,925 719,652 SH   SOLE   0 0 719,652
iShares Interest Rate Hedged Corp Bd ETF ETF 46431W705 23,806 263,752 SH   SOLE   0 0 263,752
iShares Russell 2000 ETF ETF 464287655 2,528 14,925 SH   SOLE   0 0 14,925
Merck & Co Inc Equities 58933Y105 1,163 12,760 SH   SOLE   0 0 12,760
Microsoft Corp Equities 594918104 4,145 16,140 SH   SOLE   0 0 16,140
Pfizer Inc Equities 717081103 1,155 22,036 SH   SOLE   0 0 22,036
PS Interest Rate Hedged ETF ETF 74347B607 45,609 659,847 SH   SOLE   0 0 659,847
Schwab US Dividend Equity ETF ETF 808524797 20,655 288,354 SH   SOLE   0 0 288,354
Schwab US Large Cap ETF ETF 808524201 1,414 31,666 SH   SOLE   0 0 31,666
Schwab US Mid Cap ETF ETF 808524508 6,756 107,705 SH   SOLE   0 0 107,705
Schwab US Small Cap ETF ETF 808524607 471 12,091 SH   SOLE   0 0 12,091
Uber Technologies Inc Equities 90353T100 753 36,807 SH   SOLE   0 0 36,807
VanEck IG Floating Rate ETF ETF 92189F486 26,477 1,072,832 SH   SOLE   0 0 1,072,832
Vanguard Dividend Appreciation ETF ETF 921908844 18,469 128,730 SH   SOLE   0 0 128,730
Vanguard FTSE Emerging Markets ETF ETF 922042858 544 13,070 SH   SOLE   0 0 13,070
Vanguard FTSE Europe ETF ETF 922042874 11,712 221,732 SH   SOLE   0 0 221,732
Vanguard Health Care ETF ETF 92204A504 25,432 107,990 SH   SOLE   0 0 107,990
Vanguard International Dividend ETF ETF 921946810 32,426 472,610 SH   SOLE   0 0 472,610
Vanguard Intl High Dividend ETF ETF 921946794 23,658 402,218 SH   SOLE   0 0 402,218
Vanguard Mega Cap Blend ETF ETF 921910873 6,558 49,757 SH   SOLE   0 0 49,757
Vanguard Mega Cap Value ETF ETF 921910840 14,742 153,277 SH   SOLE   0 0 153,277
Vanguard Mid Cap Value ETF ETF 922908512 17,234 133,064 SH   SOLE   0 0 133,064
Vanguard Pacific Index ETF ETF 922042866 13,300 209,512 SH   SOLE   0 0 209,512
Vanguard Small Cap Value Index ETF ETF 922908611 8,386 55,971 SH   SOLE   0 0 55,971
Vanguard Ultra-Short Bond ETF ETF 92203C303 977 19,865 SH   SOLE   0 0 19,865
Verizon Communications Inc Equities 92343V104 633 12,472 SH   SOLE   0 0 12,472