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 224 7,128 SH   OTR 1 0 0 7,128
AT&T INC COM 00206R102 105 3,346 SH   SOLE   3,346 0 0
ABBOTT LABS COM 002824100 201 2,509 SH   OTR 1 0 0 2,509
ABBOTT LABS COM 002824100 63 785 SH   SOLE   785 0 0
ABBVIE INC COM 00287Y109 234 2,906 SH   OTR 1 0 0 2,906
ABBVIE INC COM 00287Y109 122 1,514 SH   SOLE   1,514 0 0
ADOBE INC COM 00724F101 210 789 SH   OTR 1 0 0 789
ADOBE INC COM 00724F101 77 289 SH   SOLE   289 0 0
ALPHABET INC CAP STK CL C 02079K107 534 455 SH   OTR 1 50 0 405
ALPHABET INC CAP STK CL C 02079K107 202 172 SH   SOLE   172 0 0
ALPHABET INC CAP STK CL A 02079K305 1,002 851 SH   OTR 1 0 0 851
ALPHABET INC CAP STK CL A 02079K305 371 315 SH   SOLE   315 0 0
AMAZON COM INC COM 023135106 798 448 SH   OTR 1 84 0 364
AMAZON COM INC COM 023135106 30,609 17,189 SH   SOLE   17,189 0 0
AMERICAN EXPRESS CO COM 025816109 198 1,810 SH   OTR 1 0 0 1,810
AMERICAN EXPRESS CO COM 025816109 45 410 SH   SOLE   410 0 0
AMERICAN TOWER CORP NEW COM 03027X100 186 945 SH   OTR 1 0 0 945
AMERICAN TOWER CORP NEW COM 03027X100 84 428 SH   SOLE   428 0 0
AMGEN INC COM 031162100 294 1,545 SH   OTR 1 0 0 1,545
AMGEN INC COM 031162100 140 735 SH   SOLE   735 0 0
APPLE INC COM 037833100 1,057 5,565 SH   OTR 1 549 0 5,016
APPLE INC COM 037833100 971 5,113 SH   SOLE   5,113 0 0
ARATANA THERAPEUTICS INC COM 03874P101 49 13,500 SH   SOLE   13,500 0 0
ATARA BIOTHERAPEUTICS INC COM 046513107 219 5,500 SH   SOLE   5,500 0 0
AXOS FINL INC COM 05465C100 736 58,608 SH   SOLE   58,607 0 0
BANK AMER CORP COM 060505104 245 8,862 SH   OTR 1 0 0 8,862
BANK AMER CORP COM 060505104 91 3,294 SH   SOLE   3,294 0 0
BECTON DICKINSON & CO COM 075887109 178 714 SH   OTR 1 0 0 714
BECTON DICKINSON & CO COM 075887109 39 156 SH   SOLE   156 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 349 1,738 SH   OTR 1 0 0 1,738
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,120 5,573 SH   SOLE   5,573 0 0
BOEING CO COM 097023105 261 684 SH   OTR 1 0 0 684
BOEING CO COM 097023105 659 1,729 SH   SOLE   1,729 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 104 2,172 SH   OTR 1 0 0 2,172
BRISTOL MYERS SQUIBB CO COM 110122108 145 3,029 SH   SOLE   3,029 0 0
BROADCOM INC COM 11135F101 139 462 SH   OTR 1 0 0 462
BROADCOM INC COM 11135F101 62 207 SH   SOLE   207 0 0
CATERPILLAR INC DEL COM 149123101 197 1,455 SH   OTR 1 0 0 1,455
CATERPILLAR INC DEL COM 149123101 55 405 SH   SOLE   405 0 0
CHEVRON CORP NEW COM 166764100 306 2,486 SH   OTR 1 0 0 2,486
CHEVRON CORP NEW COM 166764100 744 6,042 SH   SOLE   6,042 0 0
CISCO SYS INC COM 17275R102 544 10,074 SH   OTR 1 0 0 10,074
CISCO SYS INC COM 17275R102 234 4,333 SH   SOLE   4,333 0 0
CITIGROUP INC COM NEW 172967424 159 2,562 SH   OTR 1 0 0 2,562
CITIGROUP INC COM NEW 172967424 46 741 SH   SOLE   741 0 0
CLEAN ENERGY FUELS CORP COM 184499101 31 10,000 SH   SOLE   10,000 0 0
COCA COLA CO COM 191216100 312 6,656 SH   OTR 1 0 0 6,656
COCA COLA CO COM 191216100 175 3,734 SH   SOLE   3,734 0 0
COMCAST CORP NEW CL A 20030N101 221 5,539 SH   OTR 1 0 0 5,539
COMCAST CORP NEW CL A 20030N101 74 1,850 SH   SOLE   1,850 0 0
COSTCO WHSL CORP NEW COM 22160K105 234 968 SH   OTR 1 393 0 575
COSTCO WHSL CORP NEW COM 22160K105 383 1,580 SH   SOLE   1,580 0 0
DISNEY WALT CO COM DISNEY 254687106 369 3,326 SH   OTR 1 0 0 3,325
DISNEY WALT CO COM DISNEY 254687106 169 1,522 SH   SOLE   1,522 0 0
DOCUSIGN INC COM 256163106 1,864 35,964 SH   SOLE   35,964 0 0
EXXON MOBIL CORP COM 30231G102 258 3,197 SH   OTR 1 0 0 3,197
EXXON MOBIL CORP COM 30231G102 443 5,483 SH   SOLE   5,483 0 0
FACEBOOK INC CL A 30303M102 454 2,723 SH   OTR 1 0 0 2,723
FACEBOOK INC CL A 30303M102 1,735 10,411 SH   SOLE   10,411 0 0
GENERAL ELECTRIC CO COM 369604103 71 7,094 SH   OTR 1 0 0 7,094
GENERAL ELECTRIC CO COM 369604103 64 6,358 SH   SOLE   6,358 0 0
HOME DEPOT INC COM 437076102 249 1,300 SH   OTR 1 0 0 1,300
HOME DEPOT INC COM 437076102 105 548 SH   SOLE   548 0 0
INTEL CORP COM 458140100 569 10,600 SH   OTR 1 0 0 10,600
INTEL CORP COM 458140100 189 3,513 SH   SOLE   3,513 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 200 1,414 SH   OTR 1 0 0 1,414
INTERNATIONAL BUSINESS MACHS COM 459200101 131 930 SH   SOLE   929 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 574 3,194 SH   OTR 1 3,194 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 217 1,206 SH   SOLE   1,206 0 0
INTUIT COM 461202103 166 634 SH   OTR 1 0 0 634
INTUIT COM 461202103 35 132 SH   SOLE   132 0 0
ISHARES GOLD TRUST ISHARES 464285105 11,950 965,246 SH   SOLE   965,246 0 0
ISHARES TR CORE S&P500 ETF 464287200 574 2,017 SH   OTR 1 2,017 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,070 7,275 SH   SOLE   7,275 0 0
ISHARES TR CORE US AGGBD ET 464287226 242 2,221 SH   OTR 1 2,221 0 0
ISHARES TR CORE US AGGBD ET 464287226 62 570 SH   SOLE   570 0 0
ISHARES TR S&P 500 VAL ETF 464287408 324 2,873 SH   SOLE   2,873 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 202 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 15,622 240,859 SH   SOLE   240,858 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,466 27,180 SH   SOLE   27,180 0 0
ISHARES TR CORE S&P MCP ETF 464287507 2,242 11,835 SH   SOLE   11,835 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 235 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 6,738 42,834 SH   SOLE   42,834 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 244 4,231 SH   SOLE   4,230 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 3,258 21,281 SH   SOLE   21,281 0 0
ISHARES TR CORE S&P SCP ETF 464287804 4,417 57,254 SH   SOLE   57,254 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 345 3,254 SH   SOLE   3,254 0 0
ISHARES TR JPMORGAN USD EMG 464288281 9,231 83,872 SH   SOLE   83,871 0 0
ISHARES TR NATIONAL MUN ETF 464288414 131 1,177 SH   OTR 1 1,177 0 0
ISHARES TR NATIONAL MUN ETF 464288414 92 825 SH   SOLE   824 0 0
ISHARES TR IBOXX HI YD ETF 464288513 111 1,282 SH   OTR 1 1,282 0 0
ISHARES TR IBOXX HI YD ETF 464288513 90 1,046 SH   SOLE   1,046 0 0
ISHARES TR CRE U S REIT ETF 464288521 4,647 89,855 SH   SOLE   89,855 0 0
ISHARES TR MSCI USA ESG SLC 464288802 4,826 40,810 SH   SOLE   40,810 0 0
ISHARES TR U.S. MED DVC ETF 464288810 132 570 SH   OTR 1 570 0 0
ISHARES TR U.S. MED DVC ETF 464288810 97 420 SH   SOLE   420 0 0
ISHARES INC CORE MSCI EMKT 46434G103 172 3,334 SH   OTR 1 3,334 0 0
ISHARES INC CORE MSCI EMKT 46434G103 9,867 190,811 SH   SOLE   190,811 0 0
ISHARES INC ESG MSCI EM ETF 46434G863 1,820 53,420 SH   SOLE   53,420 0 0
ISHARES TR ESG MSCI EAFE 46435G516 3,798 60,110 SH   SOLE   60,110 0 0
ISORAY INC COM 46489V104 47 130,000 SH   SOLE   130,000 0 0
JPMORGAN CHASE & CO COM 46625H100 368 3,640 SH   OTR 1 0 0 3,640
JPMORGAN CHASE & CO COM 46625H100 228 2,253 SH   SOLE   2,253 0 0
JOHNSON & JOHNSON COM 478160104 888 6,354 SH   OTR 1 0 0 6,354
JOHNSON & JOHNSON COM 478160104 297 2,128 SH   SOLE   2,127 0 0
LOWES COS INC COM 548661107 266 2,427 SH   OTR 1 0 0 2,427
LOWES COS INC COM 548661107 64 584 SH   SOLE   584 0 0
MARRIOTT INTL INC NEW CL A 571903202 194 1,548 SH   OTR 1 785 0 763
MARRIOTT INTL INC NEW CL A 571903202 41 330 SH   SOLE   330 0 0
MASTERCARD INC CL A 57636Q104 456 1,937 SH   OTR 1 0 0 1,937
MASTERCARD INC CL A 57636Q104 163 692 SH   SOLE   692 0 0
MCDONALDS CORP COM 580135101 377 1,985 SH   OTR 1 0 0 1,985
MCDONALDS CORP COM 580135101 78 412 SH   SOLE   412 0 0
MERCK & CO INC COM 58933Y105 494 5,942 SH   OTR 1 0 0 5,942
MERCK & CO INC COM 58933Y105 304 3,657 SH   SOLE   3,657 0 0
MICROSOFT CORP COM 594918104 1,018 8,631 SH   OTR 1 842 0 7,789
MICROSOFT CORP COM 594918104 37,453 317,562 SH   SOLE   317,561 0 0
NETFLIX INC COM 64110L106 356 998 SH   OTR 1 0 0 998
NETFLIX INC COM 64110L106 89 250 SH   SOLE   250 0 0
NEXTERA ENERGY INC COM 65339F101 168 867 SH   OTR 1 0 0 867
NEXTERA ENERGY INC COM 65339F101 47 245 SH   SOLE   245 0 0
NIKE INC CL B 654106103 262 3,108 SH   OTR 1 0 0 3,108
NIKE INC CL B 654106103 162 1,926 SH   SOLE   1,926 0 0
NVIDIA CORP COM 67066G104 168 936 SH   OTR 1 0 0 936
NVIDIA CORP COM 67066G104 74 412 SH   SOLE   412 0 0
ORACLE CORP COM 68389X105 368 6,855 SH   OTR 1 0 0 6,855
ORACLE CORP COM 68389X105 174 3,231 SH   SOLE   3,231 0 0
PAYPAL HLDGS INC COM 70450Y103 168 1,618 SH   OTR 1 0 0 1,618
PAYPAL HLDGS INC COM 70450Y103 75 720 SH   SOLE   720 0 0
PEPSICO INC COM 713448108 422 3,441 SH   OTR 1 0 0 3,441
PEPSICO INC COM 713448108 117 958 SH   SOLE   958 0 0
PFIZER INC COM 717081103 298 7,026 SH   OTR 1 900 0 6,126
PFIZER INC COM 717081103 162 3,815 SH   SOLE   3,815 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 363 3,440 SH   SOLE   3,440 0 0
PROCTER AND GAMBLE CO COM 742718109 524 5,040 SH   OTR 1 0 0 5,040
PROCTER AND GAMBLE CO COM 742718109 168 1,613 SH   SOLE   1,613 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 23,171 82,026 SH   SOLE   82,026 0 0
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 467 13,675 SH   SOLE   13,675 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 487 1,878 SH   OTR 1 1,878 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 23 90 SH   SOLE   90 0 0
SVB FINL GROUP COM 78486Q101 258 1,161 SH   SOLE   1,161 0 0
SALESFORCE COM INC COM 79466L302 296 1,866 SH   OTR 1 0 0 1,866
SALESFORCE COM INC COM 79466L302 63 400 SH   SOLE   400 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 545 8,060 SH   SOLE   8,059 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,409 26,959 SH   SOLE   26,959 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 34,023 1,086,636 SH   SOLE   1,086,636 0 0
SEATTLE GENETICS INC COM 812578102 656 8,955 SH   SOLE   8,955 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 201 2,722 SH   OTR 1 2,722 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 52 698 SH   SOLE   698 0 0
STARBUCKS CORP COM 855244109 243 3,264 SH   OTR 1 767 0 2,497
STARBUCKS CORP COM 855244109 1,453 19,551 SH   SOLE   19,551 0 0
TESLA INC COM 88160R101 24 85 SH   OTR 1 0 0 85
TESLA INC COM 88160R101 264 944 SH   SOLE   944 0 0
TEXAS INSTRS INC COM 882508104 278 2,622 SH   OTR 1 0 0 2,622
TEXAS INSTRS INC COM 882508104 42 395 SH   SOLE   395 0 0
3M CO COM 88579Y101 324 1,561 SH   OTR 1 0 0 1,561
3M CO COM 88579Y101 63 302 SH   SOLE   302 0 0
UNION PACIFIC CORP COM 907818108 290 1,735 SH   OTR 1 0 0 1,735
UNION PACIFIC CORP COM 907818108 85 509 SH   SOLE   509 0 0
UNITEDHEALTH GROUP INC COM 91324P102 270 1,093 SH   OTR 1 0 0 1,093
UNITEDHEALTH GROUP INC COM 91324P102 477 1,930 SH   SOLE   1,929 0 0
VANECK VECTORS ETF TR GLOBAL ALTER ETF 92189F502 446 7,165 SH   SOLE   7,165 0 0
VANGUARD GROUP DIV APP ETF 921908844 12,076 110,139 SH   SOLE   110,139 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 408 7,864 SH   OTR 1 7,864 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 14,045 270,620 SH   SOLE   270,620 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 7,803 92,963 SH   SOLE   92,963 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 446 5,607 SH   SOLE   5,607 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 356 4,395 SH   OTR 1 4,395 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 227 2,802 SH   SOLE   2,802 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 51 1,248 SH   OTR 1 1,248 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 163 3,989 SH   SOLE   3,989 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 2,491 31,835 SH   SOLE   31,835 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 12,839 256,009 SH   SOLE   256,009 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,874 232,321 SH   SOLE   232,320 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 202 3,335 SH   SOLE   3,335 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 485 6,082 SH   SOLE   6,081 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 242 931 SH   SOLE   931 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,688 16,720 SH   SOLE   16,720 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 281 1,798 SH   SOLE   1,798 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 407 2,812 SH   OTR 1 2,812 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 336 2,323 SH   SOLE   2,323 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 482 8,158 SH   OTR 1 0 0 8,158
VERIZON COMMUNICATIONS INC COM 92343V104 265 4,488 SH   SOLE   4,488 0 0
VISA INC COM CL A 92826C839 665 4,259 SH   OTR 1 771 0 3,488
VISA INC COM CL A 92826C839 173 1,110 SH   SOLE   1,110 0 0
WALMART INC COM 931142103 138 1,412 SH   OTR 1 0 0 1,412
WALMART INC COM 931142103 75 767 SH   SOLE   767 0 0
WASTE MGMT INC DEL COM 94106L109 128 1,231 SH   OTR 1 0 0 1,231
WASTE MGMT INC DEL COM 94106L109 97 938 SH   SOLE   938 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 193 1,095 SH   OTR 1 0 0 1,095
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 50 285 SH   SOLE   285 0 0
LINDE PLC COM G5494J103 218 1,238 SH   SOLE   1,238 0 0
MEDTRONIC PLC SHS G5960L103 131 1,438 SH   OTR 1 0 0 1,438
MEDTRONIC PLC SHS G5960L103 78 852 SH   SOLE   852 0 0