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
AT&T INC COM 00206R102 192 6,732 SH   OTR 1 0 0 6,732
AT&T INC COM 00206R102 86 3,013 SH   SOLE   3,013 0 0
ABBOTT LABS COM 002824100 199 2,757 SH   OTR 1 0 0 2,757
ABBOTT LABS COM 002824100 49 676 SH   SOLE   676 0 0
ABBVIE INC COM 00287Y109 278 3,013 SH   OTR 1 0 0 3,013
ABBVIE INC COM 00287Y109 139 1,511 SH   SOLE   1,511 0 0
ADOBE INC COM 00724F101 244 1,080 SH   OTR 1 0 0 1,080
ADOBE INC COM 00724F101 67 294 SH   SOLE   294 0 0
ALPHABET INC CAP STK CL C 02079K107 472 456 SH   OTR 1 50 0 406
ALPHABET INC CAP STK CL C 02079K107 171 165 SH   SOLE   165 0 0
ALPHABET INC CAP STK CL A 02079K305 822 787 SH   OTR 1 0 0 787
ALPHABET INC CAP STK CL A 02079K305 305 292 SH   SOLE   292 0 0
AMAZON COM INC COM 023135106 691 460 SH   OTR 1 84 0 376
AMAZON COM INC COM 023135106 24,339 16,205 SH   SOLE   16,205 0 0
AMERICAN EXPRESS CO COM 025816109 171 1,795 SH   OTR 1 0 0 1,795
AMERICAN EXPRESS CO COM 025816109 29 300 SH   SOLE   300 0 0
AMERICAN TOWER CORP NEW COM 03027X100 149 945 SH   OTR 1 0 0 945
AMERICAN TOWER CORP NEW COM 03027X100 64 403 SH   SOLE   403 0 0
AMGEN INC COM 031162100 298 1,531 SH   OTR 1 0 0 1,531
AMGEN INC COM 031162100 142 731 SH   SOLE   731 0 0
APPLE INC COM 037833100 942 5,973 SH   OTR 1 549 0 5,424
APPLE INC COM 037833100 783 4,965 SH   SOLE   4,965 0 0
ARATANA THERAPEUTICS INC COM 03874P101 61 10,000 SH   SOLE   10,000 0 0
AXOS FINL INC COM 05465C100 728 59,695 SH   SOLE   59,695 0 0
BANK AMER CORP COM 060505104 218 8,862 SH   OTR 1 0 0 8,862
BANK AMER CORP COM 060505104 72 2,924 SH   SOLE   2,924 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 371 1,815 SH   OTR 1 0 0 1,815
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,113 5,453 SH   SOLE   5,453 0 0
BIOGEN INC COM 09062X103 128 426 SH   OTR 1 0 0 426
BIOGEN INC COM 09062X103 83 277 SH   SOLE   277 0 0
BOEING CO COM 097023105 223 690 SH   OTR 1 0 0 690
BOEING CO COM 097023105 209 648 SH   SOLE   648 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 136 2,611 SH   OTR 1 0 0 2,611
BRISTOL MYERS SQUIBB CO COM 110122108 117 2,257 SH   SOLE   2,257 0 0
CATERPILLAR INC DEL COM 149123101 178 1,401 SH   OTR 1 0 0 1,401
CATERPILLAR INC DEL COM 149123101 47 372 SH   SOLE   372 0 0
CHEVRON CORP NEW COM 166764100 300 2,754 SH   OTR 1 0 0 2,754
CHEVRON CORP NEW COM 166764100 655 6,024 SH   SOLE   6,024 0 0
CISCO SYS INC COM 17275R102 443 10,220 SH   OTR 1 0 0 10,220
CISCO SYS INC COM 17275R102 182 4,203 SH   SOLE   4,203 0 0
CLEAN ENERGY FUELS CORP COM 184499101 17 10,000 SH   SOLE   10,000 0 0
COCA COLA CO COM 191216100 311 6,568 SH   OTR 1 0 0 6,568
COCA COLA CO COM 191216100 152 3,207 SH   SOLE   3,207 0 0
COMCAST CORP NEW CL A 20030N101 199 5,837 SH   OTR 1 0 0 5,837
COMCAST CORP NEW CL A 20030N101 56 1,645 SH   SOLE   1,645 0 0
COSTCO WHSL CORP NEW COM 22160K105 168 823 SH   OTR 1 232 0 591
COSTCO WHSL CORP NEW COM 22160K105 356 1,748 SH   SOLE   1,748 0 0
DISNEY WALT CO COM DISNEY 254687106 308 2,805 SH   OTR 1 0 0 2,805
DISNEY WALT CO COM DISNEY 254687106 138 1,261 SH   SOLE   1,261 0 0
DOCUSIGN INC COM 256163106 1,413 35,246 SH   SOLE   35,246 0 0
EXXON MOBIL CORP COM 30231G102 221 3,237 SH   OTR 1 0 0 3,237
EXXON MOBIL CORP COM 30231G102 359 5,266 SH   SOLE   5,266 0 0
FACEBOOK INC CL A 30303M102 414 3,158 SH   OTR 1 377 0 2,781
FACEBOOK INC CL A 30303M102 1,382 10,539 SH   SOLE   10,539 0 0
HOME DEPOT INC COM 437076102 237 1,379 SH   OTR 1 0 0 1,379
HOME DEPOT INC COM 437076102 86 500 SH   SOLE   500 0 0
INTEL CORP COM 458140100 505 10,767 SH   OTR 1 0 0 10,767
INTEL CORP COM 458140100 147 3,138 SH   SOLE   3,138 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 140 1,235 SH   OTR 1 0 0 1,235
INTERNATIONAL BUSINESS MACHS COM 459200101 86 760 SH   SOLE   759 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 525 3,406 SH   OTR 1 3,406 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 236 1,531 SH   SOLE   1,531 0 0
ISHARES GOLD TRUST ISHARES 464285105 11,622 945,607 SH   SOLE   945,607 0 0
ISHARES TR CORE S&P500 ETF 464287200 460 1,827 SH   OTR 1 1,827 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,830 7,275 SH   SOLE   7,275 0 0
ISHARES TR CORE US AGGBD ET 464287226 237 2,221 SH   OTR 1 2,221 0 0
ISHARES TR CORE US AGGBD ET 464287226 36 342 SH   SOLE   342 0 0
ISHARES TR S&P 500 VAL ETF 464287408 291 2,873 SH   SOLE   2,873 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 201 2,401 SH   OTR 1 2,401 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 8 100 SH   SOLE   100 0 0
ISHARES TR MSCI EAFE ETF 464287465 13,542 230,379 SH   SOLE   230,378 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,266 27,240 SH   SOLE   27,240 0 0
ISHARES TR CORE S&P MCP ETF 464287507 2,038 12,275 SH   SOLE   12,275 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 204 1,555 SH   OTR 1 1,555 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2 14 SH   SOLE   14 0 0
ISHARES TR RUS 1000 ETF 464287622 5,897 42,517 SH   SOLE   42,517 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 210 4,253 SH   SOLE   4,252 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,854 21,317 SH   SOLE   21,317 0 0
ISHARES TR CORE S&P SCP ETF 464287804 3,938 56,814 SH   SOLE   56,814 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 328 3,112 SH   SOLE   3,112 0 0
ISHARES TR JPMORGAN USD EMG 464288281 38 363 SH   OTR 1 363 0 0
ISHARES TR JPMORGAN USD EMG 464288281 8,491 81,718 SH   SOLE   81,717 0 0
ISHARES TR NATIONAL MUN ETF 464288414 128 1,177 SH   OTR 1 1,177 0 0
ISHARES TR NATIONAL MUN ETF 464288414 73 665 SH   SOLE   664 0 0
ISHARES TR MSCI USA ESG SLC 464288802 4,192 40,640 SH   SOLE   40,640 0 0
ISHARES INC CORE MSCI EMKT 46434G103 157 3,334 SH   OTR 1 3,334 0 0
ISHARES INC CORE MSCI EMKT 46434G103 10,375 220,051 SH   SOLE   220,051 0 0
ISORAY INC COM 46489V104 39 130,000 SH   SOLE   130,000 0 0
JPMORGAN CHASE & CO COM 46625H100 366 3,751 SH   OTR 1 0 0 3,751
JPMORGAN CHASE & CO COM 46625H100 187 1,916 SH   SOLE   1,916 0 0
JOHNSON & JOHNSON COM 478160104 830 6,432 SH   OTR 1 0 0 6,432
JOHNSON & JOHNSON COM 478160104 226 1,751 SH   SOLE   1,750 0 0
LOWES COS INC COM 548661107 227 2,457 SH   OTR 1 0 0 2,457
LOWES COS INC COM 548661107 50 541 SH   SOLE   541 0 0
MASTERCARD INCORPORATED CL A 57636Q104 370 1,959 SH   OTR 1 0 0 1,959
MASTERCARD INCORPORATED CL A 57636Q104 111 587 SH   SOLE   587 0 0
MCDONALDS CORP COM 580135101 356 2,006 SH   OTR 1 0 0 2,006
MCDONALDS CORP COM 580135101 68 384 SH   SOLE   384 0 0
MERCK & CO INC COM 58933Y105 439 5,749 SH   OTR 1 0 0 5,749
MERCK & CO INC COM 58933Y105 272 3,565 SH   SOLE   3,565 0 0
MICROSOFT CORP COM 594918104 895 8,809 SH   OTR 1 842 0 7,967
MICROSOFT CORP COM 594918104 32,231 317,332 SH   SOLE   317,332 0 0
NETFLIX INC COM 64110L106 262 980 SH   OTR 1 0 0 980
NETFLIX INC COM 64110L106 55 207 SH   SOLE   207 0 0
NIKE INC CL B 654106103 235 3,168 SH   OTR 1 0 0 3,168
NIKE INC CL B 654106103 136 1,838 SH   SOLE   1,838 0 0
ORACLE CORP COM 68389X105 317 7,029 SH   OTR 1 0 0 7,029
ORACLE CORP COM 68389X105 151 3,354 SH   SOLE   3,354 0 0
PEPSICO INC COM 713448108 380 3,444 SH   OTR 1 0 0 3,444
PEPSICO INC COM 713448108 91 827 SH   SOLE   827 0 0
PFIZER INC COM 717081103 322 7,378 SH   OTR 1 900 0 6,478
PFIZER INC COM 717081103 102 2,335 SH   SOLE   2,335 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 353 3,440 SH   SOLE   3,440 0 0
PROCTER AND GAMBLE CO COM 742718109 455 4,946 SH   OTR 1 0 0 4,946
PROCTER AND GAMBLE CO COM 742718109 132 1,440 SH   SOLE   1,440 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 19,170 76,703 SH   SOLE   76,703 0 0
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 563 17,025 SH   SOLE   17,025 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 393 1,685 SH   OTR 1 1,685 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 21 90 SH   SOLE   90 0 0
SVB FINL GROUP COM 78486Q101 1 4 SH   OTR 1 0 0 4
SVB FINL GROUP COM 78486Q101 240 1,265 SH   SOLE   1,265 0 0
SALESFORCE COM INC COM 79466L302 244 1,781 SH   OTR 1 0 0 1,781
SALESFORCE COM INC COM 79466L302 47 343 SH   SOLE   343 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 476 7,978 SH   SOLE   7,977 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,239 26,379 SH   SOLE   26,379 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 29,479 1,039,812 SH   SOLE   1,039,812 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 169 2,722 SH   OTR 1 2,722 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 43 698 SH   SOLE   698 0 0
STARBUCKS CORP COM 855244109 200 3,113 SH   OTR 1 767 0 2,346
STARBUCKS CORP COM 855244109 1,281 19,895 SH   SOLE   19,895 0 0
TESLA INC COM 88160R101 27 82 SH   OTR 1 0 0 82
TESLA INC COM 88160R101 303 909 SH   SOLE   909 0 0
TEXAS INSTRS INC COM 882508104 242 2,562 SH   OTR 1 0 0 2,562
TEXAS INSTRS INC COM 882508104 33 344 SH   SOLE   344 0 0
3M CO COM 88579Y101 302 1,583 SH   OTR 1 0 0 1,583
3M CO COM 88579Y101 49 256 SH   SOLE   256 0 0
US BANCORP DEL COM NEW 902973304 189 4,142 SH   OTR 1 0 0 4,142
US BANCORP DEL COM NEW 902973304 31 670 SH   SOLE   670 0 0
UNION PAC CORP COM 907818108 242 1,750 SH   OTR 1 0 0 1,750
UNION PAC CORP COM 907818108 70 504 SH   SOLE   504 0 0
UNITEDHEALTH GROUP INC COM 91324P102 292 1,173 SH   OTR 1 0 0 1,173
UNITEDHEALTH GROUP INC COM 91324P102 480 1,929 SH   SOLE   1,928 0 0
VANECK VECTORS ETF TR GLOBAL ALTER ETF 92189F502 391 7,165 SH   SOLE   7,165 0 0
VANGUARD GROUP DIV APP ETF 921908844 9,214 94,070 SH   SOLE   94,070 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 328 6,938 SH   OTR 1 6,938 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 12,817 271,427 SH   SOLE   271,427 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 7,295 89,746 SH   SOLE   89,746 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 415 5,287 SH   SOLE   5,287 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 306 3,868 SH   OTR 1 3,868 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 184 2,321 SH   SOLE   2,321 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 2,379 31,915 SH   SOLE   31,915 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 11,854 260,069 SH   SOLE   260,069 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,792 230,751 SH   SOLE   230,750 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 201 3,335 SH   SOLE   3,335 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 622 7,982 SH   SOLE   7,981 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,282 16,515 SH   SOLE   16,515 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 271 2,018 SH   SOLE   2,018 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 321 2,513 SH   OTR 1 2,513 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 291 2,279 SH   SOLE   2,279 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 456 8,105 SH   OTR 1 0 0 8,105
VERIZON COMMUNICATIONS INC COM 92343V104 206 3,666 SH   SOLE   3,666 0 0
VISA INC COM CL A 92826C839 552 4,180 SH   OTR 1 771 0 3,409
VISA INC COM CL A 92826C839 140 1,059 SH   SOLE   1,059 0 0
MEDTRONIC PLC SHS G5960L103 133 1,458 SH   OTR 1 0 0 1,458
MEDTRONIC PLC SHS G5960L103 80 883 SH   SOLE   883 0 0