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
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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   203,490 1,700 SH   SOLE 0 0 0 1,700
AMAZON COM INC COM 023135106   318,078 2,440 SH   SOLE 0 0 0 2,440
APPLE INC COM 037833100   5,344,067 27,551 SH   SOLE 0 0 0 27,551
FORD MTR CO DEL COM 345370860   255,727 16,902 SH   SOLE 0 0 0 16,902
FRANKLIN TEMPLETON ETF TR US LOW VOLATILIT 35473P504   350,487 7,159 SH   SOLE 0 0 0 7,159
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E263   260,135 5,060 SH   SOLE 0 0 0 5,060
ISHARES INC CORE MSCI EMKT 46434G103   1,506,352 30,561 SH   SOLE 0 0 0 30,561
ISHARES TR CORE MSCI EAFE 46432F842   4,950,248 73,337 SH   SOLE 0 0 0 73,337
ISHARES TR MSCI USA MMENTM 46432F396   286,625 1,987 SH   SOLE 0 0 0 1,987
ISHARES TR MSCI USA SZE FT 46432F370   1,083,303 8,826 SH   SOLE 0 0 0 8,826
ISHARES TR MSCI USA VALUE 46432F388   1,199,199 12,786 SH   SOLE 0 0 0 12,786
ISHARES TR MSCI USA QLT FCT 46432F339   2,380,725 17,652 SH   SOLE 0 0 0 17,652
ISHARES TR 0-5YR HI YL CP 46434V407   282,896 6,825 SH   SOLE 0 0 0 6,825
ISHARES TR CORE TOTAL USD 46434V613   1,085,278 23,868 SH   SOLE 0 0 0 23,868
ISHARES TR CUR HD EURZN ETF 46434V639   812,287 24,833 SH   SOLE 0 0 0 24,833
ISHARES TR CALIF MUN BD ETF 464288356   1,731,451 30,403 SH   SOLE 0 0 0 30,403
ISHARES TR SHRT NAT MUN ETF 464288158   768,752 7,389 SH   SOLE 0 0 0 7,389
ISHARES TR NATIONAL MUN ETF 464288414   1,166,345 10,928 SH   SOLE 0 0 0 10,928
ISHARES TR JPMORGAN USD EMG 464288281   413,575 4,779 SH   SOLE 0 0 0 4,779
ISHARES TR US INFRASTRUC 46435U713   263,634 6,746 SH   SOLE 0 0 0 6,746
ISHARES TR FALN ANGLS USD 46435G474   870,876 34,327 SH   SOLE 0 0 0 34,327
ISHARES TR ESG AWR MSCI USA 46435G425   3,313,835 34,002 SH   SOLE 0 0 0 34,002
ISHARES TR TIPS BD ETF 464287176   1,023,251 9,508 SH   SOLE 0 0 0 9,508
ISHARES TR MSCI USA MIN VOL 46429B697   1,561,153 21,003 SH   SOLE 0 0 0 21,003
ISHARES TR US TREAS BD ETF 46429B267   2,596,814 113,398 SH   SOLE 0 0 0 113,398
ISHARES TR 3 7 YR TREAS BD 464288661   577,107 5,007 SH   SOLE 0 0 0 5,007
ISHARES TR 10-20 YR TRS ETF 464288653   368,864 3,330 SH   SOLE 0 0 0 3,330
ISHARES TR EAFE VALUE ETF 464288877   2,326,363 47,535 SH   SOLE 0 0 0 47,535
ISHARES TR EAFE GRWTH ETF 464288885   2,596,869 27,218 SH   SOLE 0 0 0 27,218
ISHARES TR CORE S&P TTL STK 464287150   8,769,791 89,634 SH   SOLE 0 0 0 89,634
ISHARES TR 7-10 YR TRSY BD 464287440   700,833 7,255 SH   SOLE 0 0 0 7,255
ISHARES TR IBOXX INV CP ETF 464287242   549,892 5,085 SH   SOLE 0 0 0 5,085
ISHARES TR GLOBAL TECH ETF 464287291   1,724,093 27,723 SH   SOLE 0 0 0 27,723
ISHARES TR U.S. ENERGY ETF 464287796   304,335 7,104 SH   SOLE 0 0 0 7,104
ISHARES TR US HLTHCARE ETF 464287762   375,258 1,339 SH   SOLE 0 0 0 1,339
ISHARES TR U.S. TECH ETF 464287721   422,524 3,881 SH   SOLE 0 0 0 3,881
ISHARES TR CORE S&P SCP ETF 464287804   268,656 2,696 SH   SOLE 0 0 0 2,696
ISHARES TR CORE S&P500 ETF 464287200   4,248,953 9,533 SH   SOLE 0 0 0 9,533
ISHARES TR RUS 1000 GRW ETF 464287614   203,358 739 SH   SOLE 0 0 0 739
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   790,078 30,411 SH   SOLE 0 0 0 30,411
LOCKHEED MARTIN CORP COM 539830109   779,423 1,693 SH   SOLE 0 0 0 1,693
MICROSOFT CORP COM 594918104   284,010 834 SH   SOLE 0 0 0 834
ORACLE CORP COM 68389X105   1,417,052 11,899 SH   SOLE 0 0 0 11,899
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   306,641 6,643 SH   SOLE 0 0 0 6,643
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,370,799 16,888 SH   SOLE 0 0 0 16,888
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   873,596 25,410 SH   SOLE 0 0 0 25,410
SPDR S&P 500 ETF TR TR UNIT 78462F103   322,708 728 SH   SOLE 0 0 0 728
SPDR SER TR PORTFLI INTRMDIT 78464A672   1,987,203 70,244 SH   SOLE 0 0 0 70,244
TESLA INC COM 88160R101   767,510 2,932 SH   SOLE 0 0 0 2,932
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   8,971,036 123,415 SH   SOLE 0 0 0 123,415
VANGUARD INDEX FDS VALUE ETF 922908744   974,096 6,855 SH   SOLE 0 0 0 6,855
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,427,831 7,179 SH   SOLE 0 0 0 7,179
VANGUARD INDEX FDS GROWTH ETF 922908736   1,805,851 6,382 SH   SOLE 0 0 0 6,382
VANGUARD INDEX FDS TOTAL STK MKT 922908769   675,506 3,067 SH   SOLE 0 0 0 3,067
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   14,668,596 36,016 SH   SOLE 0 0 0 36,016
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   713,097 13,106 SH   SOLE 0 0 0 13,106
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,423,515 34,993 SH   SOLE 0 0 0 34,993
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   210,648 3,591 SH   SOLE 0 0 0 3,591
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   2,448,738 53,245 SH   SOLE 0 0 0 53,245
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   963,915 20,873 SH   SOLE 0 0 0 20,873