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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES S&P 500 GROWTH ETF ETF 464287309 94,646 528,038 SH   SOLE 0 528,038 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 43,294 146,883 SH   SOLE 0 146,883 0 0
INVESCO QQQ TR UNIT SER 1 ETF 46090E103 36,640 196,207 SH   SOLE 0 196,207 0 0
SELECT SECTOR SPDR TRUST TECHNOLOGY SELECT SECTOR USD DIS ETF 81369Y803 28,781 368,803 SH   SOLE 0 368,803 0 0
ALPHABET INC CAP STK CL A CL A 02079K305 16,096 14,865 SH   SOLE 0 14,865 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622 15,972 98,112 SH   SOLE 0 98,112 0 0
ALPHABET INC CAP STK CL C CL C 02079K107 14,156 13,096 SH   SOLE 0 13,096 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 11,755 60,510 SH   SOLE 0 60,510 0 0
ISHARES EDGE MSCI MIN VOL USA ETF ETF 46429B697 10,795 174,869 SH   SOLE 0 174,869 0 0
VANGUARD CHARLOTTE TOTAL INTL BD INDEX FD ETF ETF 92203J407 7,102 123,947 SH   SOLE 0 123,947 0 0
VANGUARD S&P 500 GROWTH ETF ETF 921932505 6,171 38,307 SH   SOLE 0 38,307 0 0
MASTERCARD INC CL A CL A 57636Q104 6,063 22,920 SH   SOLE 0 22,920 0 0
PIMCO ETF TR ACTIVE BD ETF ETF 72201R775 5,938 55,252 SH   SOLE 0 55,252 0 0
ISHARES CORE S&P US GROWTH ETF ETF 464287671 3,855 61,506 SH   SOLE 0 61,506 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 3,821 34,314 SH   SOLE 0 34,314 0 0
ISHARES TR 20 YR TR BD ETF ETF 464287432 3,206 24,139 SH   SOLE 0 24,139 0 0
ISHARES TR EXPANDED TECH ETF 464287515 2,992 13,694 SH   SOLE 0 13,694 0 0
AMAZON.COM INC COM 023135106 2,721 1,437 SH   SOLE 0 1,437 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 2,466 21,151 SH   SOLE 0 21,151 0 0
ISHARES CALIFORNIA MUNI BOND ETF ETF 464288356 2,277 37,545 SH   SOLE 0 37,545 0 0
TWILIO INC - A CL A 90138F102 2,103 15,423 SH   SOLE 0 15,423 0 0
WHITE MOUNTAINS INSURANCE GROUP COM USD1 COM G9618E107 1,402 1,373 SH   SOLE 0 1,373 0 0
ISHARES TR JP MOR EM MK ETF ETF 464288281 1,010 8,915 SH   SOLE 0 8,915 0 0
APPLE INC COM USD0.00001 COM 037833100 918 4,637 SH   SOLE 0 4,637 0 0
KRAFT HEINZ CO COM 500754106 751 24,200 SH   SOLE 0 24,200 0 0
MICROSOFT CORP COM 594918104 495 3,694 SH   SOLE 0 3,694 0 0
INVESCO EXCHANGE TRADED FD TR DYNMC SOFTWARE ETF 46137V639 374 3,903 SH   SOLE 0 3,903 0 0
FIRST TRUST DJ INTERNET INDEX FUND ETF 33733E302 360 2,500 SH   SOLE 0 2,500 0 0
SPDR S&P500 ETF TRUST S&P 500 ETF USD DIS ETF 78462F103 328 1,119 SH   SOLE 0 1,119 0 0
ADOBE INC COM COM 00724F101 278 944 SH   SOLE 0 944 0 0
SECTOR SPDR TR SHS BEN INT INDUSTRIAL ETF 81369Y704 220 2,847 SH   SOLE 0 2,847 0 0
SELECT SECTOR SPDR TRUST AMEX FINANCIAL SELECT INDEX USD DIS ETF 81369Y605 220 7,958 SH   SOLE 0 7,958 0 0
ISHARES TR MSCI ACWI EX US ETF 464288240 207 4,432 SH   SOLE 0 4,432 0 0
VANGUARD INDEX FDS VANGUARD GROWTH ETF FORMERLY VANGUARD INDEX TR VIPERS ETF 922908736 206 1,262 SH   SOLE 0 1,262 0 0