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
FIRST TR EXCHANGE TRADED FD NO AMER ENERGY 33738D101 30,115 1,181,448 SH   SOLE 1,181,448 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,347 28,926 SH   SOLE 28,926 0 0
ISHARES INC CORE MSCI EMKT 46434G103 48,362 899,586 SH   SOLE 899,586 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 6,332 74,825 SH   SOLE 74,825 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,679 29,255 SH   SOLE 29,255 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 366 2,907 SH   DFND 2,907 0 0
ISHARES TR CALIF MUN BD ETF 464288356 478 7,800 SH   DFND 7,800 0 0
ISHARES TR CALIF MUN BD ETF 464288356 6,996 114,261 SH   SOLE 114,261 0 0
ISHARES TR CORE MSCI EAFE 46432F842 32,709 501,346 SH   SOLE 501,346 0 0
ISHARES TR CORE MSCI EAFE 46432F842 347 5,320 SH   DFND 5,320 0 0
ISHARES TR CORE MSCI INTL 46435G326 2,382 40,957 SH   SOLE 40,957 0 0
ISHARES TR CORE S&P SCP ETF 464287804 8,664 103,328 SH   SOLE 103,328 0 0
ISHARES TR CORE S&P SCP ETF 464287804 261 3,108 SH   DFND 3,108 0 0
ISHARES TR CORE S&P TTL STK 464287150 4,658 64,058 SH   SOLE 64,058 0 0
ISHARES TR CORE S&P TTL STK 464287150 227 3,117 SH   DFND 3,117 0 0
ISHARES TR CORE S&P500 ETF 464287200 31,750 98,224 SH   SOLE 98,224 0 0
ISHARES TR CORE US AGGBD ET 464287226 7,594 67,188 SH   SOLE 67,188 0 0
ISHARES TR EAFE GRWTH ETF 464288885 311 3,592 SH   SOLE 3,592 0 0
ISHARES TR EAFE SML CP ETF 464288273 863 13,770 SH   SOLE 13,770 0 0
ISHARES TR EAFE VALUE ETF 464288877 260 5,214 SH   SOLE 5,214 0 0
ISHARES TR GLB INFRASTR ETF 464288372 13,355 278,749 SH   SOLE 278,749 0 0
ISHARES TR GOV/CRED BD ETF 464288596 440 3,742 SH   SOLE 3,742 0 0
ISHARES TR IBOXX HI YD ETF 464288513 1,340 15,238 SH   SOLE 15,238 0 0
ISHARES TR IBOXX INV CP ETF 464287242 7,822 61,114 SH   SOLE 61,114 0 0
ISHARES TR INTRM TR CRP ETF 464288638 4,275 73,731 SH   SOLE 73,731 0 0
ISHARES TR JPMORGAN USD EMG 464288281 6,750 58,920 SH   SOLE 58,920 0 0
ISHARES TR MICRO-CAP ETF 464288869 841 8,450 SH   SOLE 8,450 0 0
ISHARES TR MSCI ACWI ETF 464288257 1,006 12,698 SH   SOLE 12,698 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,129 45,060 SH   SOLE 45,060 0 0
ISHARES TR NATIONAL MUN ETF 464288414 24,458 214,709 SH   SOLE 214,709 0 0
ISHARES TR RUS 1000 ETF 464287622 12,339 69,155 SH   SOLE 69,155 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 5,479 31,146 SH   SOLE 31,146 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 3,248 23,796 SH   SOLE 23,796 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 1,135 5,297 SH   SOLE 5,297 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 5,999 46,652 SH   SOLE 46,652 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,408 9,230 SH   SOLE 9,230 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 5,814 61,350 SH   SOLE 61,350 0 0
ISHARES TR RUS MID CAP ETF 464287499 2,422 40,623 SH   SOLE 40,623 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 5,446 32,871 SH   SOLE 32,871 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 426 2,570 SH   DFND 2,570 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 319 1,695 SH   SOLE 1,695 0 0
ISHARES TR S&P 500 VAL ETF 464287408 14,558 111,899 SH   SOLE 111,899 0 0
ISHARES TR S&P MC 400GR ETF 464287606 289 1,213 SH   SOLE 1,213 0 0
ISHARES TR S&P MC 400VL ETF 464287705 437 2,554 SH   SOLE 2,554 0 0
ISHARES TR SH TR CRPORT ETF 464288646 953 17,770 SH   SOLE 17,770 0 0
ISHARES TR SHORT TREAS BD 464288679 5,365 47,037 SH   SOLE 47,037 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 492 4,609 SH   SOLE 4,609 0 0
ISHARES TR SP SMCP600VL ETF 464287879 87 544 SH   DFND 544 0 0
ISHARES TR SP SMCP600VL ETF 464287879 420 2,612 SH   SOLE 2,612 0 0
ISHARES TR TIPS BD ETF 464287176 222 1,855 SH   SOLE 1,855 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 8,059 294,355 SH   SOLE 294,355 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 34,727 1,032,612 SH   SOLE 1,032,612 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 160 4,767 SH   DFND 4,767 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 268 4,872 SH   SOLE 4,872 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,354 44,065 SH   SOLE 44,065 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 36,737 477,848 SH   SOLE 477,848 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,522 58,559 SH   SOLE 58,559 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,690 22,008 SH   SOLE 22,008 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 843 18,346 SH   SOLE 18,346 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 611 8,073 SH   SOLE 8,073 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2,483 79,188 SH   SOLE 79,188 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,785 47,493 SH   SOLE 47,493 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 20,748 64,461 SH   SOLE 64,461 0 0
SPDR SERIES TRUST NUVEEN BRC MUNIC 78468R721 5,542 109,576 SH   SOLE 109,576 0 0
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 914 25,872 SH   SOLE 25,872 0 0
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 921 30,746 SH   SOLE 30,746 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 14,969 171,620 SH   SOLE 171,620 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 22,022 273,187 SH   SOLE 273,187 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 166 2,936 SH   DFND 2,936 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 51,768 914,944 SH   SOLE 914,944 0 0
VANGUARD GROUP DIV APP ETF 921908844 291 2,333 SH   DFND 2,333 0 0
VANGUARD GROUP DIV APP ETF 921908844 8,493 68,127 SH   SOLE 68,127 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 8,958 71,104 SH   SOLE 71,104 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 4,290 23,552 SH   SOLE 23,552 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 373 2,521 SH   SOLE 2,521 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 509 3,204 SH   SOLE 3,204 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 19,449 163,172 SH   SOLE 163,172 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 8,769 49,212 SH   SOLE 49,212 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 14,157 152,565 SH   SOLE 152,565 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 37,410 126,470 SH   SOLE 126,470 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,011 3,418 SH   DFND 3,418 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 32,037 233,726 SH   SOLE 233,726 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,715 10,351 SH   SOLE 10,351 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 826 4,158 SH   SOLE 4,158 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 115 700 SH   DFND 700 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 108,308 661,951 SH   SOLE 661,951 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 36,075 300,370 SH   SOLE 300,370 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 6,881 128,022 SH   SOLE 128,022 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 90,658 2,038,640 SH   SOLE 2,038,640 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 761 12,876 SH   SOLE 12,876 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,881 23,220 SH   SOLE 23,220 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,334 67,641 SH   SOLE 67,641 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 2,569 47,985 SH   SOLE 47,985 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 9,231 100,984 SH   SOLE 100,984 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 8,176 134,413 SH   SOLE 134,413 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 78 1,402 SH   DFND 1,402 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 1,206 21,663 SH   SOLE 21,663 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 463 10,513 SH   DFND 10,513 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 178,614 4,053,885 SH   SOLE 4,053,885 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 25,593 314,368 SH   SOLE 314,368 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 364 3,880 SH   SOLE 3,880 0 0
VANGUARD WHITEHALL FDS INC INTL DVD ETF 921946810 514 7,130 SH   SOLE 7,130 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,073 5,594 SH   SOLE 5,594 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 510 2,084 SH   SOLE 2,084 0 0