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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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
ABBOTT LABS COM 002824100 439 4,463 SH   SOLE 0 0 0 4,463
ALPHABET INC CAP STK CL A 02079K305 646 6,300 SH   SOLE 0 0 0 6,300
ALPHABET INC CAP STK CL C 02079K107 930 9,035 SH   SOLE 0 0 0 9,035
AMAZON COM INC COM 023135106 452 3,773 SH   SOLE 0 0 0 3,773
AMERICAN CENTY ETF TR US EQT ETF 025072885 6,237 93,358 SH   SOLE 0 0 0 93,358
APPLE INC COM 037833100 11,634 77,843 SH   SOLE 0 0 0 77,843
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 383 1,334 SH   SOLE 0 0 0 1,334
BK OF AMERICA CORP COM 060505104 250 7,117 SH   SOLE 0 0 0 7,117
COMCAST CORP NEW CL A 20030N101 624 20,067 SH   SOLE 0 0 0 20,067
DBX ETF TR XTRCKR MSCI US 233051150 2,251 66,134 SH   SOLE 0 0 0 66,134
DBX ETF TR XTKR EMGRIN MKTS 233051192 662 29,083 SH   SOLE 0 0 0 29,083
DECKERS OUTDOOR CORP COM 243537107 4,407 12,186 SH   SOLE 0 0 0 12,186
FIRST TR EXCH TRADED FD III LNG/SHT EQUITY 33739P103 4,525 93,499 SH   SOLE 0 0 0 93,499
FLEXSHARES TR MORNSTAR UPSTR 33939L407 7,699 190,467 SH   SOLE 0 0 0 190,467
FLEXSHARES TR STOXX GLOBR INF 33939L795 2,072 44,636 SH   SOLE 0 0 0 44,636
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 4,628 93,410 SH   SOLE 0 0 0 93,410
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 16,546 641,806 SH   SOLE 0 0 0 641,806
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305 11,430 360,123 SH   SOLE 0 0 0 360,123
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 17,747 635,640 SH   SOLE 0 0 0 635,640
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 20,148 454,608 SH   SOLE 0 0 0 454,608
INVESCO ACTIVELY MANAGED ETF ACTIVE US REAL 46090A101 248 3,028 SH   SOLE 0 0 0 3,028
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 686 30,206 SH   SOLE 0 0 0 30,206
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 4,105 194,845 SH   SOLE 0 0 0 194,845
INVESCO QQQ TR UNIT SER 1 46090E103 397 1,425 SH   SOLE 0 0 0 1,425
ISHARES INC MSCI EMERG MRKT 464286533 12,341 245,345 SH   SOLE 0 0 0 245,345
ISHARES TR CORE S&P US GWT 464287671 4,548 54,140 SH   SOLE 0 0 0 54,140
ISHARES TR 1 3 YR TREAS BD 464287457 15,580 192,539 SH   SOLE 0 0 0 192,539
ISHARES TR CORE S&P SCP ETF 464287804 2,278 24,488 SH   SOLE 0 0 0 24,488
ISHARES TR ESG AWRE 1 5 YR 46435G243 957 41,089 SH   SOLE 0 0 0 41,089
ISHARES TR MSCI KLD400 SOC 464288570 2,356 33,668 SH   SOLE 0 0 0 33,668
ISHARES TR ESG AWR US AGRGT 46435U549 1,196 26,514 SH   SOLE 0 0 0 26,514
ISHARES TR ESG AW MSCI EAFE 46435G516 992 17,063 SH   SOLE 0 0 0 17,063
ISHARES TR MSCI GBL SUS DEV 46435G532 345 4,851 SH   SOLE 0 0 0 4,851
ISHARES TR RUSEL 2500 ETF 46435G268 15,718 302,100 SH   SOLE 0 0 0 302,100
ISHARES TR SHRT NAT MUN ETF 464288158 15,133 147,390 SH   SOLE 0 0 0 147,390
ISHARES TR NATIONAL MUN ETF 464288414 3,508 34,548 SH   SOLE 0 0 0 34,548
ISHARES TR S&P 500 GRWT ETF 464287309 343 5,667 SH   SOLE 0 0 0 5,667
ISHARES TR RUS 1000 GRW ETF 464287614 1,271 5,759 SH   SOLE 0 0 0 5,759
ISHARES TR CORE MSCI EAFE 46432F842 4,525 83,117 SH   SOLE 0 0 0 83,117
ISHARES TR CORE 1 5 YR USD 46432F859 1,537 33,562 SH   SOLE 0 0 0 33,562
ISHARES TR CALIF MUN BD ETF 464288356 24,303 449,642 SH   SOLE 0 0 0 449,642
ISHARES TR CORE DIV GRWTH 46434V621 2,328 49,205 SH   SOLE 0 0 0 49,205
ISHARES TR USD GRN BOND ETF 46435U440 332 7,446 SH   SOLE 0 0 0 7,446
ISHARES TR CORE INTL AGGR 46435G672 10,197 212,274 SH   SOLE 0 0 0 212,274
ISHARES TR INTL EQTY FACTOR 46434V274 4,242 195,209 SH   SOLE 0 0 0 195,209
ISHARES TR MSCI EAFE ETF 464287465 2,912 50,202 SH   SOLE 0 0 0 50,202
ISHARES TR MSCI USA ESG SLC 464288802 216 2,702 SH   SOLE 0 0 0 2,702
ISHARES TR US INFRASTRUC 46435U713 7,630 224,688 SH   SOLE 0 0 0 224,688
ISHARES TR CORE S&P500 ETF 464287200 313 822 SH   SOLE 0 0 0 822
ISHARES TR GLB INFRASTR ETF 464288372 886 20,991 SH   SOLE 0 0 0 20,991
JOHNSON & JOHNSON COM 478160104 222 1,298 SH   SOLE 0 0 0 1,298
MICROSOFT CORP COM 594918104 433 1,752 SH   SOLE 0 0 0 1,752
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 822 24,295 SH   SOLE 0 0 0 24,295
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 943 40,960 SH   SOLE 0 0 0 40,960
PACER FDS TR US CASH COWS 100 69374H881 30,152 660,496 SH   SOLE 0 0 0 660,496
PEPSICO INC COM 713448108 267 1,500 SH   SOLE 0 0 0 1,500
PURE STORAGE INC CL A 74624M102 215 7,526 SH   SOLE 0 0 0 7,526
SCHWAB STRATEGIC TR US REIT ETF 808524847 523 28,820 SH   SOLE 0 0 0 28,820
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 209 8,965 SH   SOLE 0 0 0 8,965
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 30,378 521,873 SH   SOLE 0 0 0 521,873
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 28,477 399,115 SH   SOLE 0 0 0 399,115
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 6,468 186,680 SH   SOLE 0 0 0 186,680
SPDR GOLD TR GOLD SHS 78463V107 438 2,852 SH   SOLE 0 0 0 2,852
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152 1,076 20,188 SH   SOLE 0 0 0 20,188
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 3,074 53,667 SH   SOLE 0 0 0 53,667
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 554 10,317 SH   SOLE 0 0 0 10,317
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 16,555 620,503 SH   SOLE 0 0 0 620,503
SPDR S&P 500 ETF TR TR UNIT 78462F103 408 1,078 SH   SOLE 0 0 0 1,078
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,579 41,969 SH   SOLE 0 0 0 41,969
SPDR SER TR PORTFOLIO S&P500 78464A854 535 12,014 SH   SOLE 0 0 0 12,014
SPDR SER TR PRTFLO S&P500 GW 78464A409 694 13,234 SH   SOLE 0 0 0 13,234
SPDR SER TR PORTFOLIO S&P600 78468R853 724 19,934 SH   SOLE 0 0 0 19,934
SPDR SER TR PORTFOLIO S&P400 78464A847 2,448 60,064 SH   SOLE 0 0 0 60,064
SPDR SER TR NUVEEN BLOOMBERG 78464A284 510 10,855 SH   SOLE 0 0 0 10,855
SPDR SER TR PORTFOLIO AGRGTE 78464A649 433 17,829 SH   SOLE 0 0 0 17,829
SPDR SER TR BLOOMBERG 1 10 Y 78468R861 10,522 572,480 SH   SOLE 0 0 0 572,480
SPDR SER TR PRTFLO S&P500 VL 78464A508 410 11,090 SH   SOLE 0 0 0 11,090
SPDR SER TR S&P DIVID ETF 78464A763 235 1,993 SH   SOLE 0 0 0 1,993
TESLA INC COM 88160R101 359 1,698 SH   SOLE 0 0 0 1,698
TRANE TECHNOLOGIES PLC SHS G8994E103 219 1,490 SH   SOLE 0 0 0 1,490
VANGUARD BD INDEX FDS INTERMED TERM 921937819 33,957 471,950 SH   SOLE 0 0 0 471,950
VANGUARD INDEX FDS GROWTH ETF 922908736 7,192 32,388 SH   SOLE 0 0 0 32,388
VANGUARD INDEX FDS VALUE ETF 922908744 321 2,411 SH   SOLE 0 0 0 2,411
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,040 11,606 SH   SOLE 0 0 0 11,606
VANGUARD INDEX FDS SMALL CP ETF 922908751 652 3,643 SH   SOLE 0 0 0 3,643
VANGUARD INDEX FDS MID CAP ETF 922908629 3,677 18,823 SH   SOLE 0 0 0 18,823
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,721 47,620 SH   SOLE 0 0 0 47,620
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,258 47,422 SH   SOLE 0 0 0 47,422
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 11,347 79,104 SH   SOLE 0 0 0 79,104
VANGUARD STAR FDS VG TL INTL STK F 921909768 4,096 88,059 SH   SOLE 0 0 0 88,059
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 372 9,883 SH   SOLE 0 0 0 9,883
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 6,582 64,130 SH   SOLE 0 0 0 64,130