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 21,113 1,006,816 SH   SOLE   1,006,816 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 322 11,486 SH   SOLE   11,486 0 0
ISHARES INC CORE MSCI EMKT 46434G103 36,506 588,424 SH   SOLE   588,424 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 11,923 138,033 SH   SOLE   138,033 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 187 1,407 SH   DFND   1,407 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 1,025 7,710 SH   SOLE   7,710 0 0
ISHARES TR CALIF MUN BD ETF 464288356 6,543 104,134 SH   SOLE   104,134 0 0
ISHARES TR CORE MSCI EAFE 46432F842 28,117 406,964 SH   SOLE   406,964 0 0
ISHARES TR CORE MSCI INTL 46435G326 12,228 198,410 SH   SOLE   198,410 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 2,337 34,783 SH   SOLE   34,783 0 0
ISHARES TR CORE S&P SCP ETF 464287804 13,183 143,453 SH   SOLE   143,453 0 0
ISHARES TR CORE S&P SCP ETF 464287804 220 2,392 SH   DFND   2,392 0 0
ISHARES TR CORE S&P TTL STK 464287150 31,004 359,596 SH   SOLE   359,596 0 0
ISHARES TR CORE S&P TTL STK 464287150 269 3,117 SH   DFND   3,117 0 0
ISHARES TR CORE S&P500 ETF 464287200 42,126 112,220 SH   SOLE   112,220 0 0
ISHARES TR CORE US AGGBD ET 464287226 7,697 65,127 SH   SOLE   65,127 0 0
ISHARES TR EAFE GRWTH ETF 464288885 1,338 13,264 SH   SOLE   13,264 0 0
ISHARES TR EAFE SML CP ETF 464288273 1,408 20,594 SH   SOLE   20,594 0 0
ISHARES TR EAFE VALUE ETF 464288877 347 7,347 SH   SOLE   7,347 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 1,112 12,928 SH   SOLE   12,928 0 0
ISHARES TR GLB INFRASTR ETF 464288372 11,143 254,920 SH   SOLE   254,920 0 0
ISHARES TR GLOBAL TECH ETF 464287291 261 868 SH   SOLE   868 0 0
ISHARES TR GOV/CRED BD ETF 464288596 380 3,021 SH   SOLE   3,021 0 0
ISHARES TR IBOXX HI YD ETF 464288513 530 6,066 SH   SOLE   6,066 0 0
ISHARES TR IBOXX INV CP ETF 464287242 7,055 51,078 SH   SOLE   51,078 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 353 6,399 SH   SOLE   6,399 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 3,316 53,671 SH   SOLE   53,671 0 0
ISHARES TR JPMORGAN USD EMG 464288281 5,889 50,810 SH   SOLE   50,810 0 0
ISHARES TR MSCI ACWI ETF 464288257 2,349 25,895 SH   SOLE   25,895 0 0
ISHARES TR MSCI EAFE ETF 464287465 11,353 155,606 SH   SOLE   155,606 0 0
ISHARES TR NATIONAL MUN ETF 464288414 28,288 241,368 SH   SOLE   241,368 0 0
ISHARES TR RUS 1000 ETF 464287622 17,913 84,560 SH   SOLE   84,560 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 6,964 28,882 SH   SOLE   28,882 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 4,138 30,262 SH   SOLE   30,262 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 2,067 7,210 SH   SOLE   7,210 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 7,986 60,613 SH   SOLE   60,613 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,520 14,812 SH   SOLE   14,812 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 6,885 71,010 SH   SOLE   71,010 0 0
ISHARES TR RUS MID CAP ETF 464287499 4,811 70,187 SH   SOLE   70,187 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 6,040 30,805 SH   SOLE   30,805 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 473 2,413 SH   DFND   2,413 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 410 1,836 SH   SOLE   1,836 0 0
ISHARES TR S&P 500 VAL ETF 464287408 14,407 112,538 SH   SOLE   112,538 0 0
ISHARES TR S&P MC 400GR ETF 464287606 298 4,123 SH   SOLE   4,123 0 0
ISHARES TR S&P MC 400VL ETF 464287705 412 4,777 SH   SOLE   4,777 0 0
ISHARES TR SHORT TREAS BD 464288679 2,393 21,650 SH   SOLE   21,650 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 14,069 130,133 SH   SOLE   130,133 0 0
ISHARES TR SP SMCP600VL ETF 464287879 1,638 20,148 SH   SOLE   20,148 0 0
ISHARES TR TIPS BD ETF 464287176 589 4,612 SH   SOLE   4,612 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 680 13,657 SH   SOLE   13,657 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 17,032 183,436 SH   SOLE   183,436 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 21,429 258,491 SH   SOLE   258,491 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 36,949 631,065 SH   SOLE   631,065 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 26,034 158,088 SH   SOLE   158,088 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 10,457 41,276 SH   SOLE   41,276 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,354 13,397 SH   SOLE   13,397 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 619 2,917 SH   SOLE   2,917 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 14,684 123,435 SH   SOLE   123,435 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 59 500 SH   DFND   500 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 6,236 30,157 SH   SOLE   30,157 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 13,470 158,603 SH   SOLE   158,603 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,199 3,489 SH   DFND   3,489 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 126,946 369,361 SH   SOLE   369,361 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 17,907 125,917 SH   SOLE   125,917 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 57 400 SH   DFND   400 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,007 25,718 SH   SOLE   25,718 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,229 4,593 SH   SOLE   4,593 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 106,661 547,989 SH   SOLE   547,989 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 136 700 SH   DFND   700 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 27,450 230,753 SH   SOLE   230,753 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,396 41,048 SH   SOLE   41,048 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 146,494 2,923,447 SH   SOLE   2,923,447 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 640 11,791 SH   SOLE   11,791 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 7,943 85,796 SH   SOLE   85,796 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,121 61,084 SH   SOLE   61,084 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 8,070 146,225 SH   SOLE   146,225 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 396 5,706 SH   SOLE   5,706 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 45,791 471,397 SH   SOLE   471,397 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 46,076 747,993 SH   SOLE   747,993 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,061 12,742 SH   SOLE   12,742 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 1,075 6,138 SH   SOLE   6,138 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 10,484 74,263 SH   SOLE   74,263 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 231 1,636 SH   DFND   1,636 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 385 6,402 SH   DFND   6,402 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 9,538 158,542 SH   SOLE   158,542 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 301 6,375 SH   DFND   6,375 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 177,120 3,751,754 SH   SOLE   3,751,754 0 0
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 20,413 248,030 SH   SOLE   248,030 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 389 4,256 SH   SOLE   4,256 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 624 2,788 SH   SOLE   2,788 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 365 1,033 SH   SOLE   1,033 0 0