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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Advanced Micro Devices Equities 007903107   1,831,437 28,276 SH   SOLE   0 0 28,276
Amazon.com Inc. Equities 023135106   1,595,412 18,993 SH   SOLE   0 0 18,993
Apple Inc Equities 037833100   7,821,500 60,198 SH   SOLE   0 0 60,198
AT&T Inc Equities 00206R102   472,985 25,692 SH   SOLE   0 0 25,692
BlackRock Ultra Short Term Bond ETF ETF 46434V878   47,557,249 950,385 SH   SOLE   0 0 950,385
Box Inc Equities 10316T104   328,857 10,564 SH   SOLE   0 0 10,564
Charles Schwab Corp Equities 808513105   883,646 10,613 SH   SOLE   0 0 10,613
Chevron Corp Equities 166764100   2,240,294 12,481 SH   SOLE   0 0 12,481
Cisco Systems Inc Equities 17275R102   917,696 19,263 SH   SOLE   0 0 19,263
Consumer Staples SPDR ETF ETF 81369Y308   19,098,383 256,182 SH   SOLE   0 0 256,182
Extreme Networks Inc Equities 30226D106   3,699,243 202,034 SH   SOLE   0 0 202,034
Exxon Mobil Corp Equities 30231G102   1,580,581 14,330 SH   SOLE   0 0 14,330
Intel Corp Equities 458140100   490,532 18,560 SH   SOLE   0 0 18,560
iShares Core S&P Small Cap ETF ETF 464287804   13,719,134 144,961 SH   SOLE   0 0 144,961
iShares Floating Rate ETF ETF 46429B655   36,700,938 729,206 SH   SOLE   0 0 729,206
iShares MSCI EAFE Index ETF 464287465   1,895,809 28,882 SH   SOLE   0 0 28,882
iShares Russell 2000 ETF ETF 464287655   2,603,175 14,930 SH   SOLE   0 0 14,930
Merck & Co Inc Equities 58933Y105   1,592,431 14,353 SH   SOLE   0 0 14,353
Microsoft Corp Equities 594918104   4,113,088 17,151 SH   SOLE   0 0 17,151
Pfizer Inc Equities 717081103   1,225,369 23,914 SH   SOLE   0 0 23,914
PS Interest Rate Hedged ETF ETF 74347B607   71,888,655 1,010,950 SH   SOLE   0 0 1,010,950
Schwab Fundamental Intl Large Co ETF ETF 808524755   21,733,626 747,631 SH   SOLE   0 0 747,631
Schwab US Dividend Equity ETF ETF 808524797   20,811,653 275,505 SH   SOLE   0 0 275,505
Schwab US Large Cap ETF ETF 808524201   1,457,280 32,276 SH   SOLE   0 0 32,276
Schwab US Mid Cap ETF ETF 808524508   5,095,740 77,667 SH   SOLE   0 0 77,667
Schwab US Small Cap ETF ETF 808524607   492,393 12,155 SH   SOLE   0 0 12,155
Uber Technologies Inc Equities 90353T100   911,301 36,850 SH   SOLE   0 0 36,850
VanEck IG Floating Rate ETF ETF 92189F486   27,322,259 1,098,162 SH   SOLE   0 0 1,098,162
Vanguard Dividend Appreciation ETF ETF 921908844   18,658,536 122,875 SH   SOLE   0 0 122,875
Vanguard Health Care ETF ETF 92204A504   26,204,288 105,641 SH   SOLE   0 0 105,641
Vanguard International Dividend ETF ETF 921946810   30,485,181 437,817 SH   SOLE   0 0 437,817
Vanguard Intl High Dividend ETF ETF 921946794   15,117,927 253,784 SH   SOLE   0 0 253,784
Vanguard Mega Cap Blend ETF ETF 921910873   5,826,859 44,010 SH   SOLE   0 0 44,010
Vanguard Mega Cap Value ETF ETF 921910840   17,573,717 170,867 SH   SOLE   0 0 170,867
Vanguard Mid Cap Value ETF ETF 922908512   19,282,252 142,578 SH   SOLE   0 0 142,578
Vanguard Small Cap Value Index ETF ETF 922908611   10,829,454 68,196 SH   SOLE   0 0 68,196
Vanguard Ultra-Short Bond ETF ETF 92203C303   856,128 17,472 SH   SOLE   0 0 17,472
Verizon Communications Inc Equities 92343V104   522,680 13,266 SH   SOLE   0 0 13,266