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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR RUS MID CAP ETF 464287499 573 10,614 SH   SOLE 0 10,614 0 0
ISHARES TR GNMA BOND ETF 46429B333 606 12,250 SH   SOLE 0 12,250 0 0
VANGUARD GROUP DIV APP ETF 921908844 1,540 14,042 SH   SOLE 0 14,042 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,768 15,310 SH   SOLE 0 15,310 0 0
ISHARES TR CORE S&P US VLU ETF 464287663 850 15,497 SH   SOLE 0 15,497 0 0
SPDR SERIES TRUST PORTFOLIO TL STK ETF 78464A805 550 15,623 SH   SOLE 0 15,623 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 733 17,078 SH   SOLE 0 17,078 0 0
ISHARES TR CALIF MUN BD ETF 464288356 1,138 19,092 SH   SOLE 0 19,092 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,513 20,676 SH   SOLE 0 20,676 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,865 51,471 SH   SOLE 0 51,471 0 0
ISHARES TR JPMORGAN USD EMG ETF 464288281 7,085 64,378 SH   SOLE 0 64,378 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT ETF 921937835 10,243 126,173 SH   SOLE 0 126,173 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 7,946 142,474 SH   SOLE 0 142,474 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 13,531 155,693 SH   SOLE 0 155,693 0 0
VANGUARD INDEX FDS TOTAL STK MKT ETF 922908769 27,505 190,070 SH   SOLE 0 190,070 0 0
ISHARES INC MSCI FRNTR100ETF ETF 464286145 6,077 213,510 SH   SOLE 0 213,510 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,507 247,234 SH   SOLE 0 247,234 0 0
ISHARES TR EXPONENTIAL TECH ETF 46434V381 10,207 268,668 SH   SOLE 0 268,668 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US ETF 922042775 20,163 402,058 SH   SOLE 0 402,058 0 0