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
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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
ABBOTT LABS COM 002824100   506,542 4,602 SH   SOLE 0 0 0 4,602
ALPHABET INC CAP STK CL A 02079K305   1,229,272 8,800 SH   SOLE 0 0 0 8,800
AMERICAN AIRLS GROUP INC COM 02376R102   202,143 14,712 SH   SOLE 0 0 0 14,712
APPLE INC COM 037833100   1,157,159 6,010 SH   SOLE 0 0 0 6,010
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   2,493,104 82,037 SH   SOLE 0 0 0 82,037
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   956,562 2,682 SH   SOLE 0 0 0 2,682
BLACKROCK INVT QUALITY MUN T COM 09247D105   1,419,417 119,681 SH   SOLE 0 0 0 119,681
BLACKROCK MUN INCOME TR SH BEN INT 09248F109   654,268 64,972 SH   SOLE 0 0 0 64,972
BLACKROCK MUNI INCOME TR II COM 09249N101   1,748,540 163,721 SH   SOLE 0 0 0 163,721
BLACKROCK MUNIVEST FD II INC COM 09253T101   1,494,467 138,762 SH   SOLE 0 0 0 138,762
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109   1,211,260 117,484 SH   SOLE 0 0 0 117,484
BNY MELLON STRATEGIC MUN BD COM 09662E109   459,307 80,439 SH   SOLE 0 0 0 80,439
BNY MELLON STRATEGIC MUNS IN COM 05588W108   1,411,305 240,837 SH   SOLE 0 0 0 240,837
CHEVRON CORP NEW COM 166764100   1,149,576 7,707 SH   SOLE 0 0 0 7,707
CONOCOPHILLIPS COM 20825C104   632,582 5,450 SH   SOLE 0 0 0 5,450
DANAHER CORPORATION COM 235851102   288,944 1,249 SH   SOLE 0 0 0 1,249
DISNEY WALT CO COM 254687106   308,815 3,420 SH   SOLE 0 0 0 3,420
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108   337,779 34,397 SH   SOLE 0 0 0 34,397
EOG RES INC COM 26875P101   684,698 5,661 SH   SOLE 0 0 0 5,661
EXXON MOBIL CORP COM 30231G102   1,414,917 14,152 SH   SOLE 0 0 0 14,152
GOLDMAN SACHS GROUP INC COM 38141G104   424,347 1,100 SH   SOLE 0 0 0 1,100
HOME DEPOT INC COM 437076102   207,237 598 SH   SOLE 0 0 0 598
INVESCO ADVANTAGE MUN INCOME SH BEN INT 46132E103   248,160 29,368 SH   SOLE 0 0 0 29,368
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   1,024,893 42,386 SH   SOLE 0 0 0 42,386
INVESCO QUALITY MUN INCOME T COM 46133G107   198,341 20,856 SH   SOLE 0 0 0 20,856
INVESCO VALUE MUN INCOME TR COM 46132P108   123,705 10,546 SH   SOLE 0 0 0 10,546
ISHARES GOLD TR ISHARES NEW 464285204   4,467,998 114,476 SH   SOLE 0 0 0 114,476
ISHARES INC MSCI GBL MIN VOL 464286525   9,884,654 98,502 SH   SOLE 0 0 0 98,502
ISHARES INC MSCI GBL ETF NEW 46434G848   4,376,860 101,622 SH   SOLE 0 0 0 101,622
ISHARES INC CORE MSCI EMKT 46434G103   7,774,876 153,714 SH   SOLE 0 0 0 153,714
ISHARES TR CORE MSCI EAFE 46432F842   478,457 6,801 SH   SOLE 0 0 0 6,801
ISHARES TR CORE 1 5 YR USD 46432F859   233,596 4,912 SH   SOLE 0 0 0 4,912
ISHARES TR MSCI EAFE MIN VL 46429B689   298,162 4,300 SH   SOLE 0 0 0 4,300
ISHARES TR ISHS 5-10YR INVT 464288638   3,066,700 58,975 SH   SOLE 0 0 0 58,975
ISHARES TR SHRT NAT MUN ETF 464288158   15,621,036 148,165 SH   SOLE 0 0 0 148,165
ISHARES TR MSCI USA QLT FCT 46432F339   1,196,101 8,129 SH   SOLE 0 0 0 8,129
ISHARES TR MSCI INTL MOMENT 46434V449   788,841 23,005 SH   SOLE 0 0 0 23,005
ISHARES TR MSCI INTL QUALTY 46434V456   6,794,128 180,887 SH   SOLE 0 0 0 180,887
ISHARES TR CORE INTL AGGR 46435G672   5,339,355 107,216 SH   SOLE 0 0 0 107,216
ISHARES TR MSCI INTL VLU FT 46435G409   11,451,578 431,972 SH   SOLE 0 0 0 431,972
ISHARES TR INTL DIV GRWTH 46435G524   885,836 13,719 SH   SOLE 0 0 0 13,719
ISHARES TR 0-3 MNTH TREASRY 46436E718   5,709,422 56,940 SH   SOLE 0 0 0 56,940
ISHARES TR NATIONAL MUN ETF 464288414   9,058,956 83,562 SH   SOLE 0 0 0 83,562
ISHARES TR S&P SML 600 GWT 464287887   287,822 2,300 SH   SOLE 0 0 0 2,300
ISHARES TR CORE S&P500 ETF 464287200   2,634,239 5,515 SH   SOLE 0 0 0 5,515
ISHARES TR RUS 1000 GRW ETF 464287614   791,274 2,610 SH   SOLE 0 0 0 2,610
ISHARES TR CORE S&P US GWT 464287671   1,639,575 15,750 SH   SOLE 0 0 0 15,750
JOHNSON & JOHNSON COM 478160104   297,806 1,900 SH   SOLE 0 0 0 1,900
JPMORGAN CHASE & CO COM 46625H100   508,089 2,987 SH   SOLE 0 0 0 2,987
MCDONALDS CORP COM 580135101   726,450 2,450 SH   SOLE 0 0 0 2,450
MICROSOFT CORP COM 594918104   1,316,892 3,502 SH   SOLE 0 0 0 3,502
NETFLIX INC COM 64110L106   335,460 689 SH   SOLE 0 0 0 689
NEUBERGER BERMAN MUN FD INC COM 64124P101   966,576 93,389 SH   SOLE 0 0 0 93,389
NUVEEN AMT FREE MUN CR INC F COM 67071L106   361,869 30,615 SH   SOLE 0 0 0 30,615
NUVEEN AMT FREE QLTY MUN INC COM 670657105   121,880 11,080 SH   SOLE 0 0 0 11,080
NUVEEN AMT-FREE MUN VALUE FD COM 670695105   497,522 36,502 SH   SOLE 0 0 0 36,502
NUVEEN MUN CR OPPORTUNITIES COM 670663103   179,091 17,963 SH   SOLE 0 0 0 17,963
NUVEEN MUN HIGH INCOME OPPOR COM 670682103   133,844 13,547 SH   SOLE 0 0 0 13,547
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   387,070 32,747 SH   SOLE 0 0 0 32,747
PEPSICO INC COM 713448108   423,246 2,492 SH   SOLE 0 0 0 2,492
PIMCO CALIF MUN INCOME FD COM 72200N106   1,131,308 121,385 SH   SOLE 0 0 0 121,385
PIMCO CALIF MUN INCOME FD II COM 72200M108   1,477,625 254,763 SH   SOLE 0 0 0 254,763
PIMCO MUN INCOME FD II COM 72200W106   1,362,495 164,156 SH   SOLE 0 0 0 164,156
PIMCO NEW YORK MUN INCOME FD COM 72201E105   167,017 28,023 SH   SOLE 0 0 0 28,023
PIONEER MUNICIPAL HIGH INCOM COM 723762100   108,655 13,548 SH   SOLE 0 0 0 13,548
PIONEER NAT RES CO COM 723787107   401,186 1,784 SH   SOLE 0 0 0 1,784
QUALCOMM INC COM 747525103   252,813 1,748 SH   SOLE 0 0 0 1,748
SABINE RTY TR UNIT BEN INT 785688102   231,365 3,417 SH   SOLE 0 0 0 3,417
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   1,379,580 50,832 SH   SOLE 0 0 0 50,832
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   7,101,582 210,542 SH   SOLE 0 0 0 210,542
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   310,257 5,009 SH   SOLE 0 0 0 5,009
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   13,736,351 165,578 SH   SOLE 0 0 0 165,578
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   7,813,066 111,456 SH   SOLE 0 0 0 111,456
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   5,846,374 235,836 SH   SOLE 0 0 0 235,836
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   463,299 2,407 SH   SOLE 0 0 0 2,407
SPDR SER TR S&P 600 SMCP VAL 78464A300   404,220 4,852 SH   SOLE 0 0 0 4,852
SPDR SER TR S&P 600 SMCP GRW 78464A201   303,410 3,628 SH   SOLE 0 0 0 3,628
SPDR SER TR PRTFLO S&P500 GW 78464A409   27,367,178 420,645 SH   SOLE 0 0 0 420,645
SPDR SER TR PRTFLO S&P500 VL 78464A508   18,199,596 390,298 SH   SOLE 0 0 0 390,298
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,282,110 26,828 SH   SOLE 0 0 0 26,828
SPDR SER TR NUVEEN BLMBRG MU 78468R721   14,985,856 318,848 SH   SOLE 0 0 0 318,848
TEXAS INSTRS INC COM 882508104   272,736 1,600 SH   SOLE 0 0 0 1,600
UDR INC COM 902653104   384,815 10,050 SH   SOLE 0 0 0 10,050
UNION PAC CORP COM 907818108   638,858 2,601 SH   SOLE 0 0 0 2,601
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   1,999,025 78,857 SH   SOLE 0 0 0 78,857
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   1,236,001 11,487 SH   SOLE 0 0 0 11,487
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   1,441,665 16,290 SH   SOLE 0 0 0 16,290
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,386,058 56,947 SH   SOLE 0 0 0 56,947
VANGUARD INDEX FDS VALUE ETF 922908744   6,636,001 44,388 SH   SOLE 0 0 0 44,388
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,769,105 26,499 SH   SOLE 0 0 0 26,499
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,636,494 15,041 SH   SOLE 0 0 0 15,041
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   336,520 8,188 SH   SOLE 0 0 0 8,188
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,208,345 11,745 SH   SOLE 0 0 0 11,745
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,632,516 34,376 SH   SOLE 0 0 0 34,376
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   59,232,472 1,160,283 SH   SOLE 0 0 0 1,160,283
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   4,613,950 74,987 SH   SOLE 0 0 0 74,987
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   5,624,366 94,814 SH   SOLE 0 0 0 94,814
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   10,247,790 154,125 SH   SOLE 0 0 0 154,125
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   17,759,525 223,841 SH   SOLE 0 0 0 223,841
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   785,764 7,039 SH   SOLE 0 0 0 7,039
VANGUARD WORLD FDS ENERGY ETF 92204A306   3,619,730 30,864 SH   SOLE 0 0 0 30,864
VISA INC COM CL A 92826C839   863,841 3,318 SH   SOLE 0 0 0 3,318
WESTERN ASSET MANAGED MUNS F COM 95766M105   142,878 14,049 SH   SOLE 0 0 0 14,049