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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305   780,444 6,520 SH   SOLE 0 0 0 6,520
ALPHABET INC CAP STK CL C 02079K107   1,616,159 13,360 SH   SOLE 0 0 0 13,360
AMAZON COM INC COM 023135106   690,126 5,294 SH   SOLE 0 0 0 5,294
AMERICAN CENTY ETF TR US EQT ETF 025072885   7,341,403 97,638 SH   SOLE 0 0 0 97,638
AMERICAN CENTY ETF TR US QUALITY GROW 025072307   216,911 3,139 SH   SOLE 0 0 0 3,139
APPLE INC COM 037833100   13,777,204 71,027 SH   SOLE 0 0 0 71,027
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   363,847 1,067 SH   SOLE 0 0 0 1,067
COMCAST CORP NEW CL A 20030N101   1,190,585 28,654 SH   SOLE 0 0 0 28,654
DBX ETF TR XTRCKR MSCI US 233051150   3,550,812 87,351 SH   SOLE 0 0 0 87,351
DBX ETF TR XTKR EMGRIN MKTS 233051192   1,048,269 38,933 SH   SOLE 0 0 0 38,933
DECKERS OUTDOOR CORP COM 243537107   6,166,235 11,686 SH   SOLE 0 0 0 11,686
EXXON MOBIL CORP COM 30231G102   224,276 2,091 SH   SOLE 0 0 0 2,091
FIRST TR EXCH TRADED FD III LNG/SHT EQUITY 33739P103   4,886,387 92,563 SH   SOLE 0 0 0 92,563
FLEXSHARES TR MORNSTAR UPSTR 33939L407   6,107,970 152,432 SH   SOLE 0 0 0 152,432
FLEXSHARES TR STOXX GLOBR INF 33939L795   1,891,303 36,118 SH   SOLE 0 0 0 36,118
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230   3,912,996 78,417 SH   SOLE 0 0 0 78,417
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   22,240,783 709,435 SH   SOLE 0 0 0 709,435
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   9,143,065 273,499 SH   SOLE 0 0 0 273,499
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   20,894,009 700,436 SH   SOLE 0 0 0 700,436
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804   28,663,272 616,945 SH   SOLE 0 0 0 616,945
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   290,435 11,787 SH   SOLE 0 0 0 11,787
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   4,666,632 198,411 SH   SOLE 0 0 0 198,411
INVESCO QQQ TR UNIT SER 1 46090E103   423,522 1,146 SH   SOLE 0 0 0 1,146
ISHARES INC MSCI EMERG MRKT 464286533   15,765,982 286,758 SH   SOLE 0 0 0 286,758
ISHARES TR CORE S&P US GWT 464287671   6,641,156 68,017 SH   SOLE 0 0 0 68,017
ISHARES TR 1 3 YR TREAS BD 464287457   20,513,122 252,999 SH   SOLE 0 0 0 252,999
ISHARES TR ESG AWR US AGRGT 46435U549   1,388,259 29,431 SH   SOLE 0 0 0 29,431
ISHARES TR CORE S&P SCP ETF 464287804   1,935,734 19,425 SH   SOLE 0 0 0 19,425
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,276,305 53,380 SH   SOLE 0 0 0 53,380
ISHARES TR MSCI KLD400 SOC 464288570   3,725,628 44,263 SH   SOLE 0 0 0 44,263
ISHARES TR ESG AW MSCI EAFE 46435G516   1,542,497 21,150 SH   SOLE 0 0 0 21,150
ISHARES TR NATIONAL MUN ETF 464288414   4,619,287 43,280 SH   SOLE 0 0 0 43,280
ISHARES TR SHRT NAT MUN ETF 464288158   14,305,308 137,498 SH   SOLE 0 0 0 137,498
ISHARES TR MSCI GBL SUS DEV 46435G532   501,576 6,345 SH   SOLE 0 0 0 6,345
ISHARES TR CORE MSCI EAFE 46432F842   5,216,322 77,279 SH   SOLE 0 0 0 77,279
ISHARES TR S&P 500 GRWT ETF 464287309   399,990 5,675 SH   SOLE 0 0 0 5,675
ISHARES TR RUS 1000 GRW ETF 464287614   1,247,799 4,534 SH   SOLE 0 0 0 4,534
ISHARES TR USD GRN BOND ETF 46435U440   408,399 8,776 SH   SOLE 0 0 0 8,776
ISHARES TR CORE DIV GRWTH 46434V621   2,674,195 51,896 SH   SOLE 0 0 0 51,896
ISHARES TR CORE INTL AGGR 46435G672   11,779,138 238,976 SH   SOLE 0 0 0 238,976
ISHARES TR RUSEL 2500 ETF 46435G268   19,201,016 334,105 SH   SOLE 0 0 0 334,105
ISHARES TR CALIF MUN BD ETF 464288356   27,650,171 485,517 SH   SOLE 0 0 0 485,517
ISHARES TR INTL EQTY FACTOR 46434V274   5,193,664 193,721 SH   SOLE 0 0 0 193,721
ISHARES TR MSCI EAFE ETF 464287465   3,361,076 46,360 SH   SOLE 0 0 0 46,360
ISHARES TR GLB INFRASTR ETF 464288372   1,059,308 22,562 SH   SOLE 0 0 0 22,562
ISHARES TR MSCI USA ESG SLC 464288802   253,503 2,707 SH   SOLE 0 0 0 2,707
ISHARES TR US INFRASTRUC 46435U713   6,673,350 170,761 SH   SOLE 0 0 0 170,761
ISHARES TR CORE S&P500 ETF 464287200   311,041 698 SH   SOLE 0 0 0 698
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   332,464 6,631 SH   SOLE 0 0 0 6,631
MARQETA INC CLASS A COM 57142B104   168,492 34,598 SH   SOLE 0 0 0 34,598
MICROSOFT CORP COM 594918104   637,072 1,871 SH   SOLE 0 0 0 1,871
NEXTERA ENERGY INC COM 65339F101   284,381 3,833 SH   SOLE 0 0 0 3,833
NUSHARES ETF TR NUVEEN ESG INTL 67092P805   1,492,296 51,530 SH   SOLE 0 0 0 51,530
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   1,137,114 30,741 SH   SOLE 0 0 0 30,741
NVIDIA CORPORATION COM 67066G104   605,981 1,433 SH   SOLE 0 0 0 1,433
ORACLE CORP COM 68389X105   329,304 2,765 SH   SOLE 0 0 0 2,765
PACER FDS TR US CASH COWS 100 69374H881   24,603,273 513,960 SH   SOLE 0 0 0 513,960
PEPSICO INC COM 713448108   277,830 1,500 SH   SOLE 0 0 0 1,500
PURE STORAGE INC CL A 74624M102   277,107 7,526 SH   SOLE 0 0 0 7,526
SALESFORCE INC COM 79466L302   339,072 1,605 SH   SOLE 0 0 0 1,605
SCHWAB STRATEGIC TR US REIT ETF 808524847   548,148 28,067 SH   SOLE 0 0 0 28,067
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   470,389 6,477 SH   SOLE 0 0 0 6,477
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   237,500 6,662 SH   SOLE 0 0 0 6,662
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   53,870,463 718,752 SH   SOLE 0 0 0 718,752
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   6,225,887 165,187 SH   SOLE 0 0 0 165,187
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152   1,278,227 24,815 SH   SOLE 0 0 0 24,815
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   3,543,222 50,675 SH   SOLE 0 0 0 50,675
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   519,557 9,637 SH   SOLE 0 0 0 9,637
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   22,694,630 697,438 SH   SOLE 0 0 0 697,438
SPDR S&P 500 ETF TR TR UNIT 78462F103   319,162 720 SH   SOLE 0 0 0 720
SPDR SER TR PRTFLO S&P500 HI 78468R788   683,392 18,430 SH   SOLE 0 0 0 18,430
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,454,598 30,916 SH   SOLE 0 0 0 30,916
SPDR SER TR PORTFOLIO S&P400 78464A847   2,658,970 57,942 SH   SOLE 0 0 0 57,942
SPDR SER TR PORTFOLIO S&P600 78468R853   657,295 16,923 SH   SOLE 0 0 0 16,923
SPDR SER TR PORTFOLIO S&P500 78464A854   346,948 6,658 SH   SOLE 0 0 0 6,658
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   12,192,068 660,459 SH   SOLE 0 0 0 660,459
SPDR SER TR PRTFLO S&P500 GW 78464A409   586,795 9,618 SH   SOLE 0 0 0 9,618
SPDR SER TR PRTFLO S&P500 VL 78464A508   350,381 8,111 SH   SOLE 0 0 0 8,111
SPDR SER TR S&P DIVID ETF 78464A763   249,099 2,032 SH   SOLE 0 0 0 2,032
VANGUARD BD INDEX FDS INTERMED TERM 921937819   39,542,968 525,628 SH   SOLE 0 0 0 525,628
VANGUARD INDEX FDS SMALL CP ETF 922908751   931,555 4,684 SH   SOLE 0 0 0 4,684
VANGUARD INDEX FDS MID CAP ETF 922908629   3,071,912 13,953 SH   SOLE 0 0 0 13,953
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,006,950 35,986 SH   SOLE 0 0 0 35,986
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   42,883,534 105,293 SH   SOLE 0 0 0 105,293
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   202,372 1,360 SH   SOLE 0 0 0 1,360
VANGUARD INDEX FDS GROWTH ETF 922908736   6,594,714 23,306 SH   SOLE 0 0 0 23,306
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,907,878 37,990 SH   SOLE 0 0 0 37,990
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   10,328,819 63,589 SH   SOLE 0 0 0 63,589
VANGUARD STAR FDS VG TL INTL STK F 921909768   5,216,812 93,024 SH   SOLE 0 0 0 93,024
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   529,329 11,462 SH   SOLE 0 0 0 11,462
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,329,906 12,538 SH   SOLE 0 0 0 12,538
VANGUARD WORLD FD ESG US STK ETF 921910733   228,782 2,920 SH   SOLE 0 0 0 2,920
VISA INC COM CL A 92826C839   246,043 1,036 SH   SOLE 0 0 0 1,036