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
ACCENTURE LTD BERMUDA CL A SHS CLASS A G1151C101 62 333 SH   SOLE   333 0 0
LINDE PLC SHS SHS G5494J103 253 1,262 SH   SOLE   1,262 0 0
MEDTRONIC PLC SHS SHS G5960L103 92 943 SH   SOLE   943 0 0
AT&T INC COM COM 00206R102 132 3,952 SH   SOLE   3,952 0 0
ABBOTT LABS COM COM 002824100 85 1,005 SH   SOLE   1,005 0 0
ABBVIE INC COM COM 00287Y109 90 1,231 SH   SOLE   1,231 0 0
ADOBE SYS INC COM 00724F101 80 273 SH   SOLE   273 0 0
AIR PRODS & CHEMS INC COM COM 009158106 36 159 SH   SOLE   159 0 0
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 183 169 SH   SOLE   169 0 0
GOOGLE INC CAP STK CL A 02079K305 388 358 SH   SOLE   358 0 0
AMAZON.COM INC COM 023135106 33,851 17,876 SH   SOLE   17,876 0 0
AMERICAN EXPRESS CO COM COM 025816109 37 298 SH   SOLE   298 0 0
AMERICAN TOWER CORP COM 03027X100 88 432 SH   SOLE   432 0 0
AMGEN INC COM 031162100 80 436 SH   SOLE   436 0 0
APPLE INC COM 037833100 1,167 5,899 SH   SOLE   5,898 0 0
AXOS FINL INC COM COM 05465C100 783 60,590 SH   SOLE   60,589 0 0
BANCO SANTANDER SA ADR ADR 05964H105 23 5,000 SH   SOLE   5,000 0 0
BANK AMER CORP COM COM 060505104 139 4,801 SH   SOLE   4,801 0 0
BECTON DICKINSON & CO COM COM 075887109 46 181 SH   SOLE   181 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 1,213 5,690 SH   SOLE   5,690 0 0
BOEING CO COM COM 097023105 609 1,672 SH   SOLE   1,672 0 0
CATERPILLAR INC DEL COM COM 149123101 57 420 SH   SOLE   420 0 0
CELGENE CORP COM 151020104 62 674 SH   SOLE   674 0 0
CHEVRON CORP NEW COM COM 166764100 772 6,200 SH   SOLE   6,200 0 0
CISCO SYS INC COM 17275R102 261 4,777 SH   SOLE   4,777 0 0
CITIGROUP INC COM NEW 172967424 79 1,132 SH   SOLE   1,132 0 0
COCA COLA CO COM COM 191216100 193 3,785 SH   SOLE   3,785 0 0
COMCAST CORP NEW CL A CL A 20030N101 100 2,358 SH   SOLE   2,358 0 0
COSTCO WHOLESALE CORP COM 22160K105 425 1,610 SH   SOLE   1,610 0 0
DISNEY WALT CO COM DISNEY COM DISNEY 254687106 219 1,571 SH   SOLE   1,571 0 0
DOCUSIGN INC COM COM 256163106 744 14,964 SH   SOLE   14,964 0 0
EXXON MOBIL CORP COM COM 30231G102 488 6,369 SH   SOLE   6,369 0 0
FACEBOOK INC CL A CL A 30303M102 1,939 10,045 SH   SOLE   10,045 0 0
GENERAL ELECTRIC CO COM COM 369604103 103 9,779 SH   SOLE   9,779 0 0
HOME DEPOT COM 437076102 111 533 SH   SOLE   533 0 0
HONEYWELL INTL INC COM 438516106 124 708 SH   SOLE   708 0 0
INTEL CORP COM COM 458140100 207 4,333 SH   SOLE   4,333 0 0
INTL BUSINESS MACHINES COM 459200101 162 1,176 SH   SOLE   1,175 0 0
POWERSHARES QQQ TR UNIT SER 1 46090E103 225 1,206 SH   SOLE   1,206 0 0
INTUIT INC COM 461202103 36 136 SH   SOLE   136 0 0
ISHARES GOLD TRUST ETF ISHARES 464285105 13,378 990,961 SH   SOLE   990,961 0 0
ISHARES S&P 500 INDEX CORE S&P500 ETF 464287200 2,144 7,275 SH   SOLE   7,275 0 0
ISHARES AGGREGATE BOND ETF CORE US AGGBD ET 464287226 60 540 SH   SOLE   540 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 10 83 SH   SOLE   83 0 0
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 335 2,873 SH   SOLE   2,873 0 0
ISHARES 1-3 YR TREASURY BOND ETF 1 3 YR TREAS BD 464287457 8 100 SH   SOLE   100 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 17,084 259,912 SH   SOLE   259,911 0 0
ISHARES RUSSELL MID-CAP ETF RUS MID CAP ETF 464287499 1,506 26,956 SH   SOLE   26,956 0 0
ISHARES CORE S&P MID CAP ETF CORE S&P MCP ETF 464287507 2,266 11,665 SH   SOLE   11,665 0 0
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 2 14 SH   SOLE   14 0 0
ISHARES TR RUSSELL 1000 INDEX ETF RUS 1000 ETF 464287622 6,973 42,834 SH   SOLE   42,834 0 0
ISHARES RUSSELL 2000 GROWTH INDEX RUS 2000 GRW ETF 464287648 239 3,731 SH   SOLE   3,730 0 0
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 1,711 11,005 SH   SOLE   11,005 0 0
ISHARES S&P SMALLCAP 600 ETF CORE S&P SCP ETF 464287804 6,320 80,739 SH   SOLE   80,739 0 0
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD SHRT NAT MUN ETF 464288158 494 4,636 SH   SOLE   4,636 0 0
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF JPMORGAN USD EMG 464288281 9,901 87,392 SH   SOLE   87,391 0 0
ISHARES AMT-FREE MUNI BOND ETF NATIONAL MUN ETF 464288414 125 1,108 SH   SOLE   1,107 0 0
ISHARES CORE U.S. REIT ETF CRE U S REIT ETF 464288521 5,380 103,420 SH   SOLE   103,420 0 0
ISHARES MSCI USA ESG SELECT ETF MSCI USA ESG SLC 464288802 6,137 50,360 SH   SOLE   50,360 0 0
ISHARES TR DOW JONES US MEDICAL DEVICES INDEX U.S. MED DVC ETF 464288810 101 420 SH   SOLE   420 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 10,298 200,196 SH   SOLE   200,196 0 0
ISHARES MSCI EM ESG SELECT ETF ESG MSCI EM ETF 46434G863 2,194 64,540 SH   SOLE   64,540 0 0
ISHARES MSCI EAFE ESG SELECT ETF ESG MSCI EAFE 46435G516 6,940 107,910 SH   SOLE   107,910 0 0
ISORAY INC COM COM 46489V104 53 130,000 SH   SOLE   130,000 0 0
JPMORGAN CHASE & CO COM COM 46625H100 473 4,231 SH   SOLE   4,231 0 0
JOHNSON & JOHNSON COM COM 478160104 304 2,186 SH   SOLE   2,186 0 0
LOWES COS INC COM COM 548661107 60 594 SH   SOLE   593 0 0
MARRIOTT INTL INC CL A 571903202 46 326 SH   SOLE   326 0 0
MASTERCARD INC CL A 57636Q104 179 675 SH   SOLE   675 0 0
MCDONALDS CORP COM COM 580135101 161 776 SH   SOLE   776 0 0
MERCK & CO INC COM 58933Y105 343 4,087 SH   SOLE   4,087 0 0
MICROSOFT COM 594918104 42,536 317,524 SH   SOLE   317,524 0 0
MONDELEZ INTL INC CL A CL A 609207105 55 1,020 SH   SOLE   1,020 0 0
NETFLIX COM INC COM 64110L106 104 284 SH   SOLE   284 0 0
NEXTERA ENERGY INC COM COM 65339F101 74 360 SH   SOLE   360 0 0
NIKE INC CLASS B CL B 654106103 168 1,998 SH   SOLE   1,998 0 0
NVIDIA CORP COM 67066G104 68 413 SH   SOLE   413 0 0
ORACLE CORPORATION COM 68389X105 154 2,706 SH   SOLE   2,706 0 0
PACCAR INC COM COM 693718108 139 1,936 SH   SOLE   1,936 0 0
PAYPAL HLDGS INC COM COM 70450Y103 84 735 SH   SOLE   735 0 0
PEPSICO INC COM COM 713448108 209 1,594 SH   SOLE   1,594 0 0
PFIZER INC COM COM 717081103 240 5,544 SH   SOLE   5,544 0 0
PIMCO ACTIVE BOND EXCHANGE-TRADED FUND ACTIVE BD ETF 72201R775 370 3,440 SH   SOLE   3,440 0 0
PROCTER AND GAMBLE CO COM COM 742718109 193 1,760 SH   SOLE   1,760 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 14,439 49,280 SH   SOLE   49,280 0 0
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF PORTFOLIO INTRMD 78464A375 472 13,525 SH   SOLE   13,525 0 0
SPDR DOW JONES INDUSTRIAL ETF UT SER 1 78467X109 24 90 SH   SOLE   90 0 0
SVB FINL GROUP COM 78486Q101 262 1,166 SH   SOLE   1,166 0 0
SALESFORCE COM COM 79466L302 107 708 SH   SOLE   708 0 0
SCHLUMBERGER LTD COM COM 806857108 83 2,096 SH   SOLE   2,096 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF US LRG CAP ETF 808524201 567 8,075 SH   SOLE   8,074 0 0
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 1,431 26,959 SH   SOLE   26,959 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 35,850 1,117,159 SH   SOLE   1,117,159 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND TECHNOLOGY 81369Y803 54 698 SH   SOLE   698 0 0
SMARTSHEET INC COM CL A COM CL A 83200N103 958 19,787 SH   SOLE   19,787 0 0
STARBUCKS CORP COM 855244109 1,630 19,438 SH   SOLE   19,438 0 0
TESLA MOTORS INC COM 88160R101 201 898 SH   SOLE   898 0 0
TEXAS INSTRS INC COM COM 882508104 130 1,132 SH   SOLE   1,132 0 0
THERAPEUTICSMD INC COM COM 88338N107 28 10,685 SH   SOLE   10,685 0 0
THERMO FISHER SCIENTIFIC INC COM COM 883556102 55 186 SH   SOLE   186 0 0
3M CO COM COM 88579Y101 124 717 SH   SOLE   717 0 0
US BANCORP DEL COM NEW COM NEW 902973304 60 1,152 SH   SOLE   1,152 0 0
UNION PACIFIC CORP COM COM 907818108 85 500 SH   SOLE   500 0 0
UNITED TECHNOLOGIES CORP COM COM 913017109 55 423 SH   SOLE   423 0 0
UNITEDHEALTH GROUP COM 91324P102 566 2,318 SH   SOLE   2,318 0 0
MARKET VECTORS ETF TR GLOBAL ALTERNATIVE ENERGY ETF NEW GLOBAL ALTER ETF 92189F502 465 7,165 SH   SOLE   7,165 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND DIV APP ETF 921908844 14,475 125,695 SH   SOLE   125,695 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF VG TL INTL STK F 921909768 14,283 270,765 SH   SOLE   270,765 0 0
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 8,582 99,208 SH   SOLE   99,208 0 0
VANGUARD SHORT TERM BOND SHORT TRM BOND 921937827 834 10,357 SH   SOLE   10,357 0 0
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835 233 2,802 SH   SOLE   2,802 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF FTSE DEV MKT ETF 921943858 227 5,439 SH   SOLE   5,439 0 0
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF EMERG MKT BD ETF 921946885 2,519 31,320 SH   SOLE   31,320 0 0
VANGUARD FTSE ALL-WORLD EX-US ALLWRLD EX US 922042775 13,078 256,479 SH   SOLE   256,479 0 0
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 9,972 234,460 SH   SOLE   234,459 0 0
VANGUARD SHORT-TERM GOVERNMENT BOND ETF SHORT TERM TREAS 92206C102 203 3,335 SH   SOLE   3,335 0 0
VANGUARD SHORT TERM CORP BOND FD ETF SHRT TRM CORP BD 92206C409 491 6,082 SH   SOLE   6,081 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 10,598 39,376 SH   SOLE   39,376 0 0
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 2,830 16,930 SH   SOLE   16,930 0 0
VANGUARD GROWTH INDEX FUND GROWTH ETF 922908736 283 1,731 SH   SOLE   1,731 0 0
VANGUARD VALUE INDEX FUND VALUE ETF 922908744 274 2,467 SH   SOLE   2,466 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 349 2,323 SH   SOLE   2,323 0 0
VERIZON COMMUNICATIONS COM 92343V104 244 4,264 SH   SOLE   4,264 0 0
VISA INC COM CL A 92826C839 174 1,004 SH   SOLE   1,004 0 0
WALMART INC COM COM 931142103 102 922 SH   SOLE   922 0 0
WASTE MANAGEMENT INC COM 94106L109 109 943 SH   SOLE   943 0 0
ACCENTURE LTD BERMUDA CL A SHS CLASS A G1151C101 206 1,113 SH   OTR 1 0 0 1,113
MEDTRONIC PLC SHS SHS G5960L103 231 2,369 SH   OTR 1 0 0 2,369
AT&T INC COM COM 00206R102 435 12,978 SH   OTR 1 0 0 12,978
ABBOTT LABS COM COM 002824100 211 2,505 SH   OTR 1 0 0 2,505
ABBVIE INC COM COM 00287Y109 231 3,176 SH   OTR 1 0 0 3,176
ADOBE SYS INC COM 00724F101 222 755 SH   OTR 1 0 0 755
AIR PRODS & CHEMS INC COM COM 009158106 174 770 SH   OTR 1 0 0 770
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 509 471 SH   OTR 1 50 0 421
GOOGLE INC CAP STK CL A 02079K305 918 848 SH   OTR 1 0 0 848
AMAZON.COM INC COM 023135106 1,074 567 SH   OTR 1 84 0 483
AMERICAN EXPRESS CO COM COM 025816109 223 1,810 SH   OTR 1 0 0 1,810
AMERICAN TOWER CORP COM 03027X100 193 945 SH   OTR 1 0 0 945
AMGEN INC COM 031162100 274 1,485 SH   OTR 1 0 0 1,485
APPLE INC COM 037833100 1,495 7,556 SH   OTR 1 549 0 7,007
BANCO SANTANDER SA ADR ADR 05964H105 27 5,914 SH   OTR 1 0 0 5,914
BANK AMER CORP COM COM 060505104 384 13,225 SH   OTR 1 0 0 13,225
BECTON DICKINSON & CO COM COM 075887109 179 711 SH   OTR 1 0 0 711
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 372 1,744 SH   OTR 1 0 0 1,744
BOEING CO COM COM 097023105 250 687 SH   OTR 1 0 0 687
CATERPILLAR INC DEL COM COM 149123101 185 1,355 SH   OTR 1 0 0 1,355
CELGENE CORP COM 151020104 140 1,518 SH   OTR 1 0 0 1,518
CHEVRON CORP NEW COM COM 166764100 306 2,457 SH   OTR 1 0 0 2,457
CISCO SYS INC COM 17275R102 550 10,057 SH   OTR 1 0 0 10,057
CITIGROUP INC COM NEW 172967424 228 3,256 SH   OTR 1 0 0 3,256
COCA COLA CO COM COM 191216100 323 6,337 SH   OTR 1 0 0 6,337
COMCAST CORP NEW CL A CL A 20030N101 296 7,007 SH   OTR 1 0 0 7,007
COSTCO WHOLESALE CORP COM 22160K105 243 921 SH   OTR 1 393 0 528
DISNEY WALT CO COM DISNEY COM DISNEY 254687106 473 3,386 SH   OTR 1 0 0 3,385
EXXON MOBIL CORP COM COM 30231G102 233 3,045 SH   OTR 1 0 0 3,045
FACEBOOK INC CL A CL A 30303M102 517 2,678 SH   OTR 1 0 0 2,678
GENERAL ELECTRIC CO COM COM 369604103 161 15,351 SH   OTR 1 0 0 15,351
HOME DEPOT COM 437076102 390 1,875 SH   OTR 1 0 0 1,875
HONEYWELL INTL INC COM 438516106 83 478 SH   OTR 1 0 0 478
INTEL CORP COM COM 458140100 562 11,738 SH   OTR 1 0 0 11,738
INTL BUSINESS MACHINES COM 459200101 200 1,447 SH   OTR 1 0 0 1,447
POWERSHARES QQQ TR UNIT SER 1 46090E103 596 3,194 SH   OTR 1 3,194 0 0
INTUIT INC COM 461202103 167 639 SH   OTR 1 0 0 639
ISHARES S&P 500 INDEX CORE S&P500 ETF 464287200 595 2,017 SH   OTR 1 2,017 0 0
ISHARES AGGREGATE BOND ETF CORE US AGGBD ET 464287226 247 2,221 SH   OTR 1 2,221 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 192 1,540 SH   OTR 1 1,540 0 0
ISHARES 1-3 YR TREASURY BOND ETF 1 3 YR TREAS BD 464287457 204 2,401 SH   OTR 1 2,401 0 0
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 245 1,555 SH   OTR 1 1,555 0 0
ISHARES AMT-FREE MUNI BOND ETF NATIONAL MUN ETF 464288414 133 1,177 SH   OTR 1 1,177 0 0
ISHARES TR DOW JONES US MEDICAL DEVICES INDEX U.S. MED DVC ETF 464288810 137 570 SH   OTR 1 570 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 172 3,334 SH   OTR 1 3,334 0 0
JPMORGAN CHASE & CO COM COM 46625H100 624 5,579 SH   OTR 1 0 0 5,579
JOHNSON & JOHNSON COM COM 478160104 942 6,762 SH   OTR 1 0 0 6,762
LOWES COS INC COM COM 548661107 243 2,408 SH   OTR 1 0 0 2,408
MARRIOTT INTL INC CL A 571903202 208 1,485 SH   OTR 1 785 0 700
MASTERCARD INC CL A 57636Q104 423 1,599 SH   OTR 1 0 0 1,599
MCDONALDS CORP COM COM 580135101 384 1,847 SH   OTR 1 0 0 1,847
MERCK & CO INC COM 58933Y105 498 5,942 SH   OTR 1 0 0 5,942
MICROSOFT COM 594918104 1,131 8,444 SH   OTR 1 842 0 7,602
MONDELEZ INTL INC CL A CL A 609207105 151 2,805 SH   OTR 1 0 0 2,805
NETFLIX COM INC COM 64110L106 357 973 SH   OTR 1 0 0 973
NEXTERA ENERGY INC COM COM 65339F101 183 893 SH   OTR 1 0 0 893
NIKE INC CLASS B CL B 654106103 259 3,082 SH   OTR 1 0 0 3,082
NVIDIA CORP COM 67066G104 172 1,048 SH   OTR 1 0 0 1,048
ORACLE CORPORATION COM 68389X105 378 6,633 SH   OTR 1 0 0 6,633
PACCAR INC COM COM 693718108 63 877 SH   OTR 1 0 0 877
PAYPAL HLDGS INC COM COM 70450Y103 183 1,603 SH   OTR 1 0 0 1,603
PEPSICO INC COM COM 713448108 452 3,449 SH   OTR 1 0 0 3,449
PFIZER INC COM COM 717081103 283 6,541 SH   OTR 1 900 0 5,641
PROCTER AND GAMBLE CO COM COM 742718109 517 4,715 SH   OTR 1 0 0 4,715
SPDR DOW JONES INDUSTRIAL ETF UT SER 1 78467X109 499 1,878 SH   OTR 1 1,878 0 0
SALESFORCE COM COM 79466L302 274 1,804 SH   OTR 1 0 0 1,804
SCHLUMBERGER LTD COM COM 806857108 119 2,982 SH   OTR 1 0 0 2,982
TECHNOLOGY SELECT SECTOR SPDR FUND TECHNOLOGY 81369Y803 212 2,722 SH   OTR 1 2,722 0 0
STARBUCKS CORP COM 855244109 275 3,279 SH   OTR 1 767 0 2,512
TESLA MOTORS INC COM 88160R101 4 18 SH   OTR 1 0 0 18
TEXAS INSTRS INC COM COM 882508104 299 2,608 SH   OTR 1 0 0 2,608
THERMO FISHER SCIENTIFIC INC COM COM 883556102 152 518 SH   OTR 1 0 0 518
3M CO COM COM 88579Y101 276 1,595 SH   OTR 1 0 0 1,595
US BANCORP DEL COM NEW COM NEW 902973304 212 4,041 SH   OTR 1 0 0 4,041
UNION PACIFIC CORP COM COM 907818108 259 1,532 SH   OTR 1 0 0 1,532
UNITED TECHNOLOGIES CORP COM COM 913017109 171 1,310 SH   OTR 1 0 0 1,310
UNITEDHEALTH GROUP COM 91324P102 493 2,021 SH   OTR 1 0 0 2,021
VERIZON COMMUNICATIONS COM 92343V104 466 8,165 SH   OTR 1 0 0 8,165
VISA INC COM CL A 92826C839 659 3,800 SH   OTR 1 771 0 3,029
WALMART INC COM COM 931142103 155 1,400 SH   OTR 1 0 0 1,400
WASTE MANAGEMENT INC COM 94106L109 142 1,231 SH   OTR 1 0 0 1,231