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 19,599 1,029,356 SH   SOLE   1,029,356 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 317 11,486 SH   SOLE   11,486 0 0
ISHARES INC CORE MSCI EMKT 46434G103 30,986 586,861 SH   SOLE   586,861 0 0
ISHARES TR GLB INFRASTR ETF 464288372 9,048 234,521 SH   SOLE   234,521 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 1,731 22,717 SH   SOLE   22,717 0 0
ISHARES TR CORE MSCI EAFE 46432F842 24,406 404,880 SH   SOLE   404,880 0 0
ISHARES TR CORE MSCI INTL 46435G326 10,798 200,102 SH   SOLE   200,102 0 0
ISHARES TR EAFE GRWTH ETF 464288885 1,734 19,290 SH   SOLE   19,290 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 1,574 7,107 SH   SOLE   7,107 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 228 4,148 SH   SOLE   4,148 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 188 1,407 SH   DFND   1,407 0 0
ISHARES TR EAFE VALUE ETF 464288877 296 7,347 SH   SOLE   7,347 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,420 11,599 SH   SOLE   11,599 0 0
ISHARES TR CORE S&P SCP ETF 464287804 168 2,392 SH   DFND   2,392 0 0
ISHARES TR MSCI ACWI ETF 464288257 2,526 31,603 SH   SOLE   31,603 0 0
ISHARES TR S&P MC 400GR ETF 464287606 264 1,104 SH   SOLE   1,104 0 0
ISHARES TR GLOBAL TECH ETF 464287291 506 1,918 SH   SOLE   1,918 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 6,550 65,945 SH   SOLE   65,945 0 0
ISHARES TR CORE S&P500 ETF 464287200 38,483 114,512 SH   SOLE   114,512 0 0
ISHARES TR EAFE SML CP ETF 464288273 1,000 16,951 SH   SOLE   16,951 0 0
ISHARES TR CORE S&P SCP ETF 464287804 10,504 149,568 SH   SOLE   149,568 0 0
ISHARES TR GOV/CRED BD ETF 464288596 383 3,057 SH   SOLE   3,057 0 0
ISHARES TR CALIF MUN BD ETF 464288356 7,036 112,768 SH   SOLE   112,768 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 2,333 17,466 SH   SOLE   17,466 0 0
ISHARES TR S&P MC 400VL ETF 464287705 333 2,471 SH   SOLE   2,471 0 0
ISHARES TR CORE US AGGBD ET 464287226 8,400 71,152 SH   SOLE   71,152 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 5,268 48,729 SH   SOLE   48,729 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 332 1,695 SH   SOLE   1,695 0 0
ISHARES TR IBOXX INV CP ETF 464287242 7,002 51,975 SH   SOLE   51,975 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 5,837 72,207 SH   SOLE   72,207 0 0
ISHARES TR IBOXX HI YD ETF 464288513 498 5,932 SH   SOLE   5,932 0 0
ISHARES TR SHORT TREAS BD 464288679 2,617 23,638 SH   SOLE   23,638 0 0
ISHARES TR MSCI EAFE ETF 464287465 9,958 156,454 SH   SOLE   156,454 0 0
ISHARES TR NATIONAL MUN ETF 464288414 49,309 425,331 SH   SOLE   425,331 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 2,920 48,010 SH   SOLE   48,010 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 361 2,413 SH   DFND   2,413 0 0
ISHARES TR JPMORGAN USD EMG 464288281 7,351 66,288 SH   SOLE   66,288 0 0
ISHARES TR CORE S&P TTL STK 464287150 235 3,117 SH   DFND   3,117 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 3,294 21,988 SH   SOLE   21,988 0 0
ISHARES TR S&P 500 VAL ETF 464287408 10,802 96,057 SH   SOLE   96,057 0 0
ISHARES TR CORE S&P TTL STK 464287150 24,835 328,981 SH   SOLE   328,981 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 6,088 28,069 SH   SOLE   28,069 0 0
ISHARES TR RUS 1000 ETF 464287622 15,953 85,242 SH   SOLE   85,242 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 3,633 30,751 SH   SOLE   30,751 0 0
ISHARES TR RUS MID CAP ETF 464287499 3,202 55,797 SH   SOLE   55,797 0 0
ISHARES TR TIPS BD ETF 464287176 470 3,713 SH   SOLE   3,713 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 1,993 34,163 SH   SOLE   34,163 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 11,516 133,118 SH   SOLE   133,118 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,280 7,406 SH   SOLE   7,406 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 456 9,140 SH   SOLE   9,140 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 23,181 279,118 SH   SOLE   279,118 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 16,836 180,108 SH   SOLE   180,108 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 36,412 625,777 SH   SOLE   625,777 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 96,150 564,557 SH   SOLE   564,557 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 7,346 32,275 SH   SOLE   32,275 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 12,556 123,862 SH   SOLE   123,862 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,073 3,489 SH   DFND   3,489 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,242 14,334 SH   SOLE   14,334 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 14,221 128,545 SH   SOLE   128,545 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 97,907 318,241 SH   SOLE   318,241 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 577 3,204 SH   SOLE   3,204 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 51 500 SH   DFND   500 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 16,624 128,152 SH   SOLE   128,152 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 23,408 223,983 SH   SOLE   223,983 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 5,385 30,554 SH   SOLE   30,554 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 13,183 166,959 SH   SOLE   166,959 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 119 700 SH   DFND   700 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,041 26,275 SH   SOLE   26,275 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 988 4,598 SH   SOLE   4,598 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 44 400 SH   DFND   400 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 6,603 81,886 SH   SOLE   81,886 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 113,485 2,624,532 SH   SOLE   2,624,532 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 607 12,492 SH   SOLE   12,492 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,702 53,560 SH   SOLE   53,560 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,279 64,260 SH   SOLE   64,260 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,665 104,067 SH   SOLE   104,067 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 28,828 300,920 SH   SOLE   300,920 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 276 1,780 SH   SOLE   1,780 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 212 3,004 SH   SOLE   3,004 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,016 12,260 SH   SOLE   12,260 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 32,641 525,697 SH   SOLE   525,697 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 8,980 69,796 SH   SOLE   69,796 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 210 1,636 SH   DFND   1,636 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 334 6,402 SH   DFND   6,402 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 8,540 163,686 SH   SOLE   163,686 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 141,511 3,459,925 SH   SOLE   3,459,925 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 261 6,375 SH   DFND   6,375 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 455 5,626 SH   SOLE   5,626 0 0
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 18,438 233,685 SH   SOLE   233,685 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 910 4,461 SH   SOLE   4,461 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 419 1,345 SH   SOLE   1,345 0 0