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
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 655 37,800 SH   SOLE   37,800 0 0
ALPHABET INC CAP STK CL A 02079K305 662 304 SH   SOLE   304 0 0
AMAZON COM INC COM 023135106 1,449 13,640 SH   SOLE   13,640 0 0
AMGEN INC COM 031162100 352 1,445 SH   SOLE   1,445 0 0
ANNALY CAPITAL MANAGEMENT IN COM 035710409 168 28,500 SH   SOLE   28,500 0 0
APPLE INC COM 037833100 4,577 33,477 SH   SOLE   33,477 0 0
ARISTA NETWORKS INC COM 040413106 1,612 17,200 SH   SOLE   17,200 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 771 2,825 SH   SOLE   2,825 0 0
CATERPILLAR INC COM 149123101 638 3,571 SH   SOLE   3,571 0 0
CISCO SYS INC COM 17275R102 273 6,404 SH   SOLE   6,404 0 0
CVS HEALTH CORP COM 126650100 500 5,400 SH   SOLE   5,400 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 446 4,160 SH   SOLE   4,160 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 580 6,094 SH   SOLE   6,094 0 0
EXXON MOBIL CORP COM 30231G102 241 2,819 SH   SOLE   2,819 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 274 3,654 SH   SOLE   3,654 0 0
INTEL CORP COM 458140100 292 7,803 SH   SOLE   7,803 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,424 12,217 SH   SOLE   12,217 0 0
ISHARES GOLD TRUST COMMON 464285105 7,882 229,724 SH   SOLE   229,724 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 1,096 33,935 SH   SOLE   33,935 0 0
ISHARES MSCI GLOBAL GOLD MINERS EFT COMMON 464286335 234 10,732 SH   SOLE   10,732 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 325 6,500 SH   SOLE   6,500 0 0
ISHARES TR CALIF MUN BD ETF 464288356 226 4,000 SH   SOLE   4,000 0 0
ISHARES TR COHEN STEER REIT 464287564 1,204 19,808 SH   SOLE   19,808 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 9,639 169,014 SH   SOLE   169,014 0 0
ISHARES TR CORE S&P SCP ETF 464287804 648 7,013 SH   SOLE   7,013 0 0
ISHARES TR CORE S&P US GWT 464287671 1,201 14,349 SH   SOLE   14,349 0 0
ISHARES TR CORE S&P500 ETF 464287200 539 1,422 SH   SOLE   1,422 0 0
ISHARES TR CORE TOTAL USD 46434V613 5,101 108,957 SH   SOLE   108,957 0 0
ISHARES TR EAFE GRWTH ETF 464288885 242 3,004 SH   SOLE   3,004 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 1,363 21,720 SH   SOLE   21,720 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 1,785 21,275 SH   SOLE   21,275 0 0
ISHARES TR EXPND TEC SC ETF 464287549 3,775 12,822 SH   SOLE   12,822 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 939 49,274 SH   SOLE   49,274 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 1,717 21,160 SH   SOLE   21,160 0 0
ISHARES TR ISHARES BIOTECH 464287556 1,447 12,301 SH   SOLE   12,301 0 0
ISHARES TR JPMORGAN USD EMG 464288281 574 6,729 SH   SOLE   6,729 0 0
ISHARES TR MSCI KLD400 SOC 464288570 1,196 16,630 SH   SOLE   16,630 0 0
ISHARES TR MSCI USA ESG SLC 464288802 401 4,973 SH   SOLE   4,973 0 0
ISHARES TR MSCI USA MMENTM 46432F396 952 6,981 SH   SOLE   6,981 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 576 5,155 SH   SOLE   5,155 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,108 19,822 SH   SOLE   19,822 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 5,983 27,356 SH   SOLE   27,356 0 0
ISHARES TR RUS MD CP GR ETF 464287481 289 3,650 SH   SOLE   3,650 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,517 14,402 SH   SOLE   14,402 0 0
ISHARES TR SELECT DIVID ETF 464287168 7,775 66,078 SH   SOLE   66,078 0 0
ISHARES TR SHORT TREAS BD 464288679 6,957 63,187 SH   SOLE   63,187 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 994 9,500 SH   SOLE   9,500 0 0
JOHNSON & JOHNSON COM 478160104 1,485 8,364 SH   SOLE   8,364 0 0
LOCKHEED MARTIN CORP COM 539830109 215 500 SH   SOLE   500 0 0
MEDTRONIC PLC SHS G5960L103 255 2,843 SH   SOLE   2,843 0 0
MERCK & CO INC COM 58933Y105 262 2,879 SH   SOLE   2,879 0 0
MICROSOFT CORP COM 594918104 1,416 5,512 SH   SOLE   5,512 0 0
NESTLE S A F SPONSORED ADR COMMON 641069406 260 2,235 SH   SOLE   2,235 0 0
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 358 7,433 SH   SOLE   7,433 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 427 13,007 SH   SOLE   13,007 0 0
PEPSICO INC COM 713448108 402 2,410 SH   SOLE   2,410 0 0
PFIZER INC COM 717081103 263 5,010 SH   SOLE   5,010 0 0
PHILIP MORRIS INTL INC COM 718172109 849 8,600 SH   SOLE   8,600 0 0
PROCTER AND GAMBLE CO COM 742718109 603 4,196 SH   SOLE   4,196 0 0
PUBLIC STORAGE COM 74460D109 235 750 SH   SOLE   750 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,991 41,752 SH   SOLE   41,752 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,411 43,212 SH   SOLE   43,212 0 0
SOUTHERN CO COM 842587107 996 13,974 SH   SOLE   13,974 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,309 7,770 SH   SOLE   7,770 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,703 4,515 SH   SOLE   4,515 0 0
SPDR SER TR NUVEEN BLOOMBERG 78464A284 231 4,500 SH   SOLE   4,500 0 0
UNITEDHEALTH GROUP INC COM 91324P102 201 392 SH   SOLE   392 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 779 28,465 SH   SOLE   28,465 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,197 15,418 SH   SOLE   15,418 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,438 18,034 SH   SOLE   18,034 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 10,891 141,829 SH   SOLE   141,829 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6,351 84,387 SH   SOLE   84,387 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 52,344 234,842 SH   SOLE   234,842 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 417 2,419 SH   SOLE   2,419 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,193 12,505 SH   SOLE   12,505 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,765 21,352 SH   SOLE   21,352 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,258 11,462 SH   SOLE   11,462 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,641 28,986 SH   SOLE   28,986 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,427 9,880 SH   SOLE   9,880 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 4,675 31,204 SH   SOLE   31,204 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,208 18,214 SH   SOLE   18,214 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,067 5,654 SH   SOLE   5,654 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 11,139 84,461 SH   SOLE   84,461 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 818 16,365 SH   SOLE   16,365 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,574 61,802 SH   SOLE   61,802 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 545 10,310 SH   SOLE   10,310 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 374 5,894 SH   SOLE   5,894 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,394 67,727 SH   SOLE   67,727 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 482 9,650 SH   SOLE   9,650 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 8,901 111,232 SH   SOLE   111,232 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 6,671 82,245 SH   SOLE   82,245 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 5,288 89,835 SH   SOLE   89,835 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 20,805 272,815 SH   SOLE   272,815 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 494 8,780 SH   SOLE   8,780 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 7,778 54,215 SH   SOLE   54,215 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 18,874 365,709 SH   SOLE   365,709 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 1,289 31,585 SH   SOLE   31,585 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 331 5,399 SH   SOLE   5,399 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 32,917 323,671 SH   SOLE   323,671 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 3,036 61,899 SH   SOLE   61,899 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 2,580 38,851 SH   SOLE   38,851 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 859 4,729 SH   SOLE   4,729 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 209 2,704 SH   SOLE   2,704 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 6,371 27,054 SH   SOLE   27,054 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 14,234 43,590 SH   SOLE   43,590 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 329 2,162 SH   SOLE   2,162 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 259 5,100 SH   SOLE   5,100 0 0
WALMART INC COM 931142103 821 6,750 SH   SOLE   6,750 0 0