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 491 6,573 SH   SOLE   0 0 6,573
AMAZON COM INC COM 023135106 322 170 SH   SOLE   0 0 170
APPLE INC COM 037833100 480 2,425 SH   SOLE   0 0 2,425
CISCO SYS INC COM 17275R102 225 4,116 SH   SOLE   0 0 4,116
COSTCO WHSL CORP NEW COM 22160K105 485 1,835 SH   SOLE   0 0 1,835
DBX ETF TR XTRACKERS SHRT 233051283 2,553 51,801 SH   SOLE   0 0 51,801
FACEBOOK INC CL A 30303M102 205 1,063 SH   SOLE   0 0 1,063
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 35,933 1,138,940 SH   SOLE   0 0 1,138,940
INVESCO EXCHNG TRADED FD TR VAR RATE PFD 46138G870 200 8,021 SH   SOLE   0 0 8,021
ISHARES INC CORE MSCI EMKT 46434G103 8,574 166,675 SH   SOLE   0 0 166,675
ISHARES TR CORE S&P500 ETF 464287200 27,035 91,722 SH   SOLE   0 0 91,722
ISHARES TR CORE US AGGBD ET 464287226 288 2,588 SH   SOLE   0 0 2,588
ISHARES TR MSCI EAFE ETF 464287465 402 6,113 SH   SOLE   0 0 6,113
ISHARES TR CORE S&P MCP ETF 464287507 39,606 203,881 SH   SOLE   0 0 203,881
ISHARES TR RUSSELL 2000 ETF 464287655 1,365 8,780 SH   SOLE   0 0 8,780
ISHARES TR CORE S&P SCP ETF 464287804 16,849 215,232 SH   SOLE   0 0 215,232
ISHARES TR IBOXX HI YD ETF 464288513 714 8,185 SH   SOLE   0 0 8,185
ISHARES TR SH TR CRPORT ETF 464288646 343 6,412 SH   SOLE   0 0 6,412
ISHARES TR PFD AND INCM SEC 464288687 223 6,063 SH   SOLE   0 0 6,063
ISHARES TR FLTG RATE NT ETF 46429B655 69,419 1,363,019 SH   SOLE   0 0 1,363,019
ISHARES TR CORE MSCI EAFE 46432F842 17,276 281,371 SH   SOLE   0 0 281,371
ISHARES TR ESG 1 5 YR USD 46435G243 279 11,004 SH   SOLE   0 0 11,004
KEYSIGHT TECHNOLOGIES INC COM 49338L103 295 3,286 SH   SOLE   0 0 3,286
MCDONALDS CORP COM 580135101 1,205 5,804 SH   SOLE   0 0 5,804
MICROSOFT CORP COM 594918104 201 1,500 SH   SOLE   0 0 1,500
NETAPP INC COM 64110D104 339 5,500 SH   SOLE   0 0 5,500
NUVEEN CALIF MUN VALUE FD COM 67062C107 154 15,250 SH   SOLE   0 0 15,250
PAYCHEX INC COM 704326107 263 3,200 SH   SOLE   0 0 3,200
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1,530 15,241 SH   SOLE   0 0 15,241
PROCTER AND GAMBLE CO COM 742718109 352 3,208 SH   SOLE   0 0 3,208
PROSHARES TR II SHT VIX ST TRM 74347W130 274 5,082 SH   SOLE   0 0 5,082
QUALCOMM INC COM 747525103 487 6,408 SH   SOLE   0 0 6,408
REALTY INCOME CORP COM 756109104 228 3,300 SH   SOLE   0 0 3,300
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 357 5,057 SH   SOLE   0 0 5,057
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 21,933 312,477 SH   SOLE   0 0 312,477
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,329 93,350 SH   SOLE   0 0 93,350
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,100 29,383 SH   SOLE   0 0 29,383
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,013 17,110 SH   SOLE   0 0 17,110
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 34,405 984,965 SH   SOLE   0 0 984,965
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 10,412 338,812 SH   SOLE   0 0 338,812
SPDR SERIES TRUST BLOOMBERG SRT TR 78468R408 17,859 655,851 SH   SOLE   0 0 655,851
TORTOISE PIPELINE & ENERGY F COM 89148H108 230 16,000 SH   SOLE   0 0 16,000
UNITED PARCEL SERVICE INC CL B 911312106 1,071 10,367 SH   SOLE   0 0 10,367
VANECK VECTORS ETF TR INVT GRADE FLTG 92189F486 18,628 739,371 SH   SOLE   0 0 739,371
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 23,367 673,399 SH   SOLE   0 0 673,399
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 2,267 27,280 SH   SOLE   0 0 27,280
VANGUARD GROUP DIV APP ETF 921908844 724 6,290 SH   SOLE   0 0 6,290
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 69,676 258,872 SH   SOLE   0 0 258,872
VANGUARD INDEX FDS MID CAP ETF 922908629 892 5,338 SH   SOLE   0 0 5,338
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,639 19,589 SH   SOLE   0 0 19,589
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,506 16,694 SH   SOLE   0 0 16,694
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,603 70,646 SH   SOLE   0 0 70,646
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 52,723 1,239,650 SH   SOLE   0 0 1,239,650
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 44,649 845,135 SH   SOLE   0 0 845,135
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 89,831 2,153,697 SH   SOLE   0 0 2,153,697
VERTICAL CAP INCOME FUND SHS BEN INT 92535C104 658 69,228 SH   SOLE   0 0 69,228