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
AGILENT TECHNOLOGIES INC COM 00846U101 217 1,706 SH   SOLE   1,706 0 0
ALPHABET INC CAP STK CL A 02079K305 344 167 SH   SOLE   167 0 0
AMAZON COM INC COM 023135106 548 177 SH   SOLE   177 0 0
APPLE INC COM 037833100 1,294 10,590 SH   SOLE   10,590 0 0
AUDIOCODES LTD ORD M15342104 218 8,083 SH   SOLE   8,083 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 303 1,185 SH   SOLE   1,185 0 0
BLACKROCK CORE BD TR SHS BEN INT 09249E101 2,070 131,829 SH   SOLE   131,829 0 0
GLOBAL X FDS US PFD ETF 37954Y657 2,936 115,092 SH   SOLE   115,092 0 0
GRANITESHARES ETF TR HIPS US HIGH INC 38747R306 835 57,457 SH   SOLE   57,457 0 0
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 1,123 34,077 SH   SOLE   34,077 0 0
INTUIT COM 461202103 499 1,302 SH   SOLE   1,302 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 745 49,678 SH   SOLE   49,678 0 0
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 1,110 36,502 SH   SOLE   36,502 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 605 1,895 SH   SOLE   1,895 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 710 16,399 SH   SOLE   16,399 0 0
ISHARES INC JP MORGAN EM ETF 464286517 204 4,786 SH   SOLE   4,786 0 0
ISHARES INC MSCI EMERG MKT 46434G889 4,535 87,161 SH   SOLE   87,161 0 0
ISHARES INC MSCI EMERG MRKT 464286533 4,109 65,064 SH   SOLE   65,064 0 0
ISHARES INC MSCI GBL GOLD MN 46434G855 377 13,784 SH   SOLE   13,784 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,044 9,879 SH   SOLE   9,879 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 1,173 25,602 SH   SOLE   25,602 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 380 7,531 SH   SOLE   7,531 0 0
ISHARES TR CALIF MUN BD ETF 464288356 1,007 16,205 SH   SOLE   16,205 0 0
ISHARES TR CORE INTL AGGR 46435G672 980 17,855 SH   SOLE   17,855 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 1,548 20,392 SH   SOLE   20,392 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 711 7,830 SH   SOLE   7,830 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 353 6,458 SH   SOLE   6,458 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 5,430 74,395 SH   SOLE   74,395 0 0
ISHARES TR MSCI INTL MULTFT 46434V274 4,589 159,823 SH   SOLE   159,823 0 0
ISHARES TR MSCI INTL SML CP 46434V266 4,148 118,574 SH   SOLE   118,574 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 5,755 83,178 SH   SOLE   83,178 0 0
ISHARES TR MSCI USA MMENTM 46432F396 956 5,943 SH   SOLE   5,943 0 0
ISHARES TR MSCI USA MULTIFT 46434V282 229 5,641 SH   SOLE   5,641 0 0
ISHARES TR RUS MD CP GR ETF 464287481 228 2,237 SH   SOLE   2,237 0 0
ISHARES TR USD INV GRDE ETF 464288620 1,635 27,691 SH   SOLE   27,691 0 0
JPMORGAN CHASE & CO COM 46625H100 224 1,469 SH   SOLE   1,469 0 0
MCDONALDS CORP COM 580135101 329 1,466 SH   SOLE   1,466 0 0
MICROSOFT CORP COM 594918104 1,468 6,228 SH   SOLE   6,228 0 0
ORACLE CORP COM 68389X105 245 3,492 SH   SOLE   3,492 0 0
PIMCO EQUITY SER RAFI ESG US 72201T342 1,620 55,489 SH   SOLE   55,489 0 0
PIMCO ETF TR 25YR+ ZERO U S 72201R882 222 1,686 SH   SOLE   1,686 0 0
QUEST DIAGNOSTICS INC COM 74834L100 426 3,320 SH   SOLE   3,320 0 0
SALESFORCE COM INC COM 79466L302 241 1,138 SH   SOLE   1,138 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,008 31,712 SH   SOLE   31,712 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,089 108,705 SH   SOLE   108,705 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 3,600 63,823 SH   SOLE   63,823 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 2,958 57,252 SH   SOLE   57,252 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 321 6,345 SH   SOLE   6,345 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 3,020 98,195 SH   SOLE   98,195 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 5,138 160,056 SH   SOLE   160,056 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 5,669 151,338 SH   SOLE   151,338 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 521 10,153 SH   SOLE   10,153 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,075 38,452 SH   SOLE   38,452 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,862 39,938 SH   SOLE   39,938 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,170 29,752 SH   SOLE   29,752 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,696 17,659 SH   SOLE   17,659 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 402 9,779 SH   SOLE   9,779 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,306 86,763 SH   SOLE   86,763 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 395 10,122 SH   SOLE   10,122 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104 240 17,926 SH   SOLE   17,926 0 0
TARGET CORP COM 87612E106 250 1,262 SH   SOLE   1,262 0 0
UBS AG LONDON BRANCH ETRACS UBS BLOOM 90274D390 3,003 177,954 SH   SOLE   177,954 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 490 1,908 SH   SOLE   1,908 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 221 1,033 SH   SOLE   1,033 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,245 6,022 SH   SOLE   6,022 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 225 1,713 SH   SOLE   1,713 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 3,216 38,845 SH   SOLE   38,845 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 417 2,833 SH   SOLE   2,833 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,338 27,239 SH   SOLE   27,239 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 522 5,166 SH   SOLE   5,166 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 1,842 14,672 SH   SOLE   14,672 0 0
VISA INC COM CL A 92826C839 327 1,543 SH   SOLE   1,543 0 0
WISDOMTREE TR 90/60 BALNCED FD 97717Y790 5,072 135,874 SH   SOLE   135,874 0 0
WISDOMTREE TR CBOE S&P 500 97717X560 1,495 49,516 SH   SOLE   49,516 0 0