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 120 623 SH   SOLE   0 0 623
LINDE PLC SHS SHS G5494J103 301 1,553 SH   SOLE   0 0 1,553
MEDTRONIC PLC SHS SHS G5960L103 155 1,425 SH   SOLE   0 0 1,425
CHUBB LIMITED COM COM H1467J104 76 472 SH   SOLE   0 0 472
AT&T INC COM COM 00206R102 173 4,585 SH   SOLE   0 0 4,585
ABBOTT LABS COM COM 002824100 90 1,073 SH   SOLE   0 0 1,073
ABBVIE INC COM COM 00287Y109 77 1,017 SH   SOLE   0 0 1,017
ADOBE SYS INC COM 00724F101 85 306 SH   SOLE   0 0 306
AIR PRODS & CHEMS INC COM COM 009158106 41 184 SH   SOLE   0 0 184
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 249 204 SH   SOLE   0 0 194
GOOGLE INC CAP STK CL A 02079K305 608 498 SH   SOLE   0 0 488
AMAZON.COM INC COM 023135106 31,547 18,173 SH   SOLE   0 0 18,166
AMERICAN EXPRESS CO COM COM 025816109 37 313 SH   SOLE   0 0 313
AMERICAN TOWER CORP COM 03027X100 99 446 SH   SOLE   0 0 446
AMGEN INC COM 031162100 92 476 SH   SOLE   0 0 476
APPLE INC COM 037833100 1,465 6,541 SH   SOLE   0 0 6,440
AUTOMATIC DATA PROCESSING INC COM COM 053015103 66 409 SH   SOLE   0 0 409
AXOS FINL INC COM COM 05465C100 773 58,415 SH   SOLE   0 0 53,352
BANK AMER CORP COM COM 060505104 290 9,935 SH   SOLE   0 0 9,935
BECTON DICKINSON & CO COM COM 075887109 84 331 SH   SOLE   0 0 331
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 1,080 5,192 SH   SOLE   0 0 5,192
BOEING CO COM COM 097023105 750 1,970 SH   SOLE   0 0 1,920
BRISTOL MYERS SQUIBB CO COM COM 110122108 199 3,932 SH   SOLE   0 0 3,932
CVS HEALTH CORP COM COM 126650100 102 1,622 SH   SOLE   0 0 1,622
CATERPILLAR INC DEL COM COM 149123101 45 360 SH   SOLE   0 0 360
CELGENE CORP COM 151020104 70 705 SH   SOLE   0 0 705
CHEVRON CORP NEW COM COM 166764100 740 6,239 SH   SOLE   0 0 6,239
CISCO SYS INC COM 17275R102 375 7,590 SH   SOLE   0 0 7,590
CITIGROUP INC COM NEW 172967424 80 1,161 SH   SOLE   0 0 1,161
COCA COLA CO COM COM 191216100 245 4,502 SH   SOLE   0 0 4,502
COMCAST CORP NEW CL A CL A 20030N101 130 2,878 SH   SOLE   0 0 2,878
COSTCO WHOLESALE CORP COM 22160K105 514 1,785 SH   SOLE   0 0 1,718
DISNEY WALT CO COM DISNEY COM DISNEY 254687106 211 1,618 SH   SOLE   0 0 1,618
DOCUSIGN INC COM COM 256163106 307 4,964 SH   SOLE   0 0 4,964
EXXON MOBIL CORP COM COM 30231G102 428 6,064 SH   SOLE   0 0 6,064
FACEBOOK INC CL A CL A 30303M102 1,659 9,316 SH   SOLE   0 0 8,216
FORD MOTOR COMPANY COM 345370860 134 14,670 SH   SOLE   0 0 14,670
GENERAL ELECTRIC CO COM COM 369604103 109 12,211 SH   SOLE   0 0 12,211
HOME DEPOT COM 437076102 144 620 SH   SOLE   0 0 620
HONEYWELL INTL INC COM 438516106 120 712 SH   SOLE   0 0 712
ILLINOIS TOOL WKS INC COM COM 452308109 76 483 SH   SOLE   0 0 483
INDUSTRIAL LOGISTICS PPTYS TR COM SHS BEN INT COM SHS BEN INT 456237106 371 17,462 SH   SOLE   0 0 17,462
INTEL CORP COM COM 458140100 379 7,351 SH   SOLE   0 0 7,350
INTL BUSINESS MACHINES COM 459200101 180 1,237 SH   SOLE   0 0 1,185
POWERSHARES QQQ TR UNIT SER 1 46090E103 228 1,206 SH   SOLE   0 0 1,206
INTUIT INC COM 461202103 37 139 SH   SOLE   0 0 139
ISHARES GOLD TRUST ETF ISHARES 464285105 14,146 1,003,286 SH   SOLE   0 0 745,236
ISHARES S&P 500 INDEX CORE S&P500 ETF 464287200 2,121 7,105 SH   SOLE   0 0 4,795
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 342 2,873 SH   SOLE   0 0 2,873
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 16,884 258,917 SH   SOLE   0 0 219,416
ISHARES RUSSELL MID-CAP ETF RUS MID CAP ETF 464287499 1,508 26,956 SH   SOLE   0 0 22,836
ISHARES CORE S&P MID CAP ETF CORE S&P MCP ETF 464287507 2,254 11,665 SH   SOLE   0 0 6,024
ISHARES TR RUSSELL 1000 INDEX ETF RUS 1000 ETF 464287622 6,997 42,524 SH   SOLE   0 0 28,665
ISHARES RUSSELL 2000 GROWTH INDEX RUS 2000 GRW ETF 464287648 206 3,474 SH   SOLE   0 0 3,021
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 1,670 11,035 SH   SOLE   0 0 9,540
ISHARES S&P SMALLCAP 600 ETF CORE S&P SCP ETF 464287804 6,491 83,389 SH   SOLE   0 0 60,559
ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD SHRT NAT MUN ETF 464288158 689 6,468 SH   SOLE   0 0 6,468
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF JPMORGAN USD EMG 464288281 10,209 90,064 SH   SOLE   0 0 70,964
ISHARES AMT-FREE MUNI BOND ETF NATIONAL MUN ETF 464288414 361 3,168 SH   SOLE   0 0 3,168
ISHARES CORE U.S. REIT ETF CRE U S REIT ETF 464288521 9,820 176,778 SH   SOLE   0 0 142,108
ISHARES MSCI USA ESG SELECT ETF MSCI USA ESG SLC 464288802 6,617 53,535 SH   SOLE   0 0 47,725
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 10,105 206,136 SH   SOLE   0 0 169,914
ISHARES MSCI EM ESG SELECT ETF ESG MSCI EM ETF 46434G863 2,177 66,936 SH   SOLE   0 0 61,176
ISHARES MSCI EAFE ESG SELECT ETF ESG MSCI EAFE 46435G516 8,059 125,680 SH   SOLE   0 0 115,980
ISORAY INC COM COM 46489V104 42 130,000 SH   SOLE   0 0 130,000
JPMORGAN CHASE & CO COM COM 46625H100 535 4,545 SH   SOLE   0 0 4,545
JOHNSON & JOHNSON COM COM 478160104 363 2,802 SH   SOLE   0 0 2,802
LOCKHEED MARTIN CORP COM 539830109 82 209 SH   SOLE   0 0 209
LOWES COS INC COM COM 548661107 66 597 SH   SOLE   0 0 596
MARRIOTT INTL INC CL A 571903202 140 1,123 SH   SOLE   0 0 1,123
MASTERCARD INC CL A 57636Q104 160 590 SH   SOLE   0 0 590
MCDONALDS CORP COM COM 580135101 331 1,543 SH   SOLE   0 0 1,542
MERCK & CO INC COM 58933Y105 419 4,978 SH   SOLE   0 0 4,978
MICROSOFT COM 594918104 44,499 320,066 SH   SOLE   0 0 317,647
MONDELEZ INTL INC CL A CL A 609207105 57 1,028 SH   SOLE   0 0 1,028
NETFLIX COM INC COM 64110L106 61 228 SH   SOLE   0 0 228
NEXTERA ENERGY INC COM COM 65339F101 89 383 SH   SOLE   0 0 383
NIKE INC CLASS B CL B 654106103 204 2,167 SH   SOLE   0 0 2,167
NVIDIA CORP COM 67066G104 86 492 SH   SOLE   0 0 492
ORACLE CORPORATION COM 68389X105 141 2,568 SH   SOLE   0 0 2,568
PAYPAL HLDGS INC COM COM 70450Y103 76 735 SH   SOLE   0 0 735
PEPSICO INC COM COM 713448108 253 1,848 SH   SOLE   0 0 1,848
PFIZER INC COM COM 717081103 253 7,032 SH   SOLE   0 0 7,032
PIMCO ACTIVE BOND EXCHANGE-TRADED FUND ACTIVE BD ETF 72201R775 375 3,440 SH   SOLE   0 0 3,440
PROCTER & GAMBLE CO COM COM 742718109 287 2,304 SH   SOLE   0 0 2,304
QUALCOMM INC COM 747525103 98 1,286 SH   SOLE   0 0 1,286
S&P GLOBAL INC COM COM 78409V104 200 815 SH   SOLE   0 0 815
SPDR S&P 500 ETF TR UNIT 78462F103 14,424 48,604 SH   SOLE   0 0 35,599
SVB FINL GROUP COM 78486Q101 249 1,191 SH   SOLE   0 0 1,191
SALESFORCE COM COM 79466L302 110 744 SH   SOLE   0 0 744
SCHWAB STRATEGIC TR US LRG CAP ETF US LRG CAP ETF 808524201 575 8,100 SH   SOLE   0 0 8,099
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 1,477 26,969 SH   SOLE   0 0 16,149
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 37,477 1,176,291 SH   SOLE   0 0 787,521
STARBUCKS CORP COM 855244109 1,745 19,737 SH   SOLE   0 0 19,697
STRYKER CORP COM 863667101 29 134 SH   SOLE   0 0 134
TESLA MOTORS INC COM 88160R101 225 935 SH   SOLE   0 0 335
TEXAS INSTRS INC COM COM 882508104 155 1,200 SH   SOLE   0 0 1,200
THERAPEUTICSMD INC COM COM 88338N107 39 10,685 SH   SOLE   0 0 10,685
THERMO FISHER SCIENTIFIC INC COM COM 883556102 55 189 SH   SOLE   0 0 189
3M CO COM COM 88579Y101 158 963 SH   SOLE   0 0 963
US BANCORP DEL COM NEW COM NEW 902973304 59 1,068 SH   SOLE   0 0 1,068
UNION PACIFIC CORP COM COM 907818108 107 658 SH   SOLE   0 0 658
UNITED TECHNOLOGIES CORP COM COM 913017109 94 691 SH   SOLE   0 0 691
UNITEDHEALTH GROUP COM 91324P102 567 2,607 SH   SOLE   0 0 2,607
VANGUARD DIVIDEND APPRECIATION INDEX FUND DIV APP ETF 921908844 16,119 134,794 SH   SOLE   0 0 115,239
VANGUARD TOTAL INTERNATIONAL STOCK ETF VG TL INTL STK F 921909768 13,834 267,785 SH   SOLE   0 0 176,337
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 9,110 103,528 SH   SOLE   0 0 86,093
VANGUARD SHORT TERM BOND SHORT TRM BOND 921937827 1,297 16,057 SH   SOLE   0 0 13,217
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MRKT 921937835 264 3,122 SH   SOLE   0 0 2,167
VANGUARD EMERGING MARKETS GOVERNMENT BOND ETF EMERG MKT BD ETF 921946885 2,524 31,320 SH   SOLE   0 0 19,250
VANGUARD FTSE ALL-WORLD EX-US ALLWRLD EX US 922042775 12,656 253,619 SH   SOLE   0 0 164,125
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 9,675 240,304 SH   SOLE   0 0 161,556
VANGUARD SHORT TERM CORP BOND FD ETF SHRT TRM CORP BD 92206C409 221 2,730 SH   SOLE   0 0 2,610
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 11,895 43,634 SH   SOLE   0 0 34,274
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 2,963 17,680 SH   SOLE   0 0 15,805
VANGUARD GROWTH INDEX FUND GROWTH ETF 922908736 288 1,731 SH   SOLE   0 0 1,731
VERIZON COMMUNICATIONS COM 92343V104 281 4,658 SH   SOLE   0 0 4,658
VISA INC COM CL A 92826C839 200 1,162 SH   SOLE   0 0 1,162
WALMART INC COM COM 931142103 144 1,214 SH   SOLE   0 0 1,214
WASTE MANAGEMENT INC COM 94106L109 111 969 SH   SOLE   0 0 969
WELLS FARGO CO NEW COM COM 949746101 151 2,989 SH   SOLE   0 0 2,989
ZOETIS INC CL A CL A 98978V103 57 461 SH   SOLE   0 0 461
ACCENTURE LTD BERMUDA CL A SHS CLASS A G1151C101 217 1,127 SH   OTR 1 1,127 0 0
MEDTRONIC PLC SHS SHS G5960L103 282 2,598 SH   OTR 1 2,598 0 0
CHUBB LIMITED COM COM H1467J104 165 1,019 SH   OTR 1 1,019 0 0
AT&T INC COM COM 00206R102 502 13,260 SH   OTR 1 13,260 0 0
ABBOTT LABS COM COM 002824100 203 2,422 SH   OTR 1 2,422 0 0
ABBVIE INC COM COM 00287Y109 164 2,164 SH   OTR 1 2,164 0 0
ADOBE SYS INC COM 00724F101 231 835 SH   OTR 1 835 0 0
AIR PRODS & CHEMS INC COM COM 009158106 170 766 SH   OTR 1 766 0 0
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 512 420 SH   OTR 1 420 0 0
GOOGLE INC CAP STK CL A 02079K305 1,111 910 SH   OTR 1 910 0 0
AMAZON.COM INC COM 023135106 864 498 SH   OTR 1 498 0 0
AMERICAN EXPRESS CO COM COM 025816109 206 1,743 SH   OTR 1 1,743 0 0
AMERICAN TOWER CORP COM 03027X100 210 948 SH   OTR 1 948 0 0
AMGEN INC COM 031162100 236 1,221 SH   OTR 1 1,221 0 0
APPLE INC COM 037833100 1,562 6,976 SH   OTR 1 6,976 0 0
AUTOMATIC DATA PROCESSING INC COM COM 053015103 158 979 SH   OTR 1 979 0 0
BANK AMER CORP COM COM 060505104 463 15,880 SH   OTR 1 15,880 0 0
BECTON DICKINSON & CO COM COM 075887109 180 711 SH   OTR 1 711 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 357 1,717 SH   OTR 1 1,717 0 0
BOEING CO COM COM 097023105 258 678 SH   OTR 1 678 0 0
BRISTOL MYERS SQUIBB CO COM COM 110122108 162 3,203 SH   OTR 1 3,203 0 0
CVS HEALTH CORP COM COM 126650100 122 1,941 SH   OTR 1 1,941 0 0
CATERPILLAR INC DEL COM COM 149123101 171 1,355 SH   OTR 1 1,355 0 0
CELGENE CORP COM 151020104 150 1,510 SH   OTR 1 1,510 0 0
CHEVRON CORP NEW COM COM 166764100 293 2,467 SH   OTR 1 2,467 0 0
CISCO SYS INC COM 17275R102 467 9,457 SH   OTR 1 9,457 0 0
CITIGROUP INC COM NEW 172967424 227 3,279 SH   OTR 1 3,279 0 0
COCA COLA CO COM COM 191216100 288 5,282 SH   OTR 1 5,282 0 0
COMCAST CORP NEW CL A CL A 20030N101 351 7,787 SH   OTR 1 7,787 0 0
COSTCO WHOLESALE CORP COM 22160K105 151 525 SH   OTR 1 525 0 0
DISNEY WALT CO COM DISNEY COM DISNEY 254687106 444 3,407 SH   OTR 1 3,406 0 0
EXXON MOBIL CORP COM COM 30231G102 227 3,219 SH   OTR 1 3,219 0 0
FACEBOOK INC CL A CL A 30303M102 483 2,712 SH   OTR 1 2,712 0 0
FORD MOTOR COMPANY COM 345370860 12 1,302 SH   OTR 1 1,302 0 0
GENERAL ELECTRIC CO COM COM 369604103 65 7,227 SH   OTR 1 7,227 0 0
HOME DEPOT COM 437076102 438 1,887 SH   OTR 1 1,887 0 0
HONEYWELL INTL INC COM 438516106 81 476 SH   OTR 1 476 0 0
ILLINOIS TOOL WKS INC COM COM 452308109 169 1,077 SH   OTR 1 1,077 0 0
INTEL CORP COM COM 458140100 614 11,915 SH   OTR 1 11,915 0 0
INTL BUSINESS MACHINES COM 459200101 192 1,318 SH   OTR 1 1,318 0 0
INTUIT INC COM 461202103 170 639 SH   OTR 1 639 0 0
JPMORGAN CHASE & CO COM COM 46625H100 664 5,643 SH   OTR 1 5,643 0 0
JOHNSON & JOHNSON COM COM 478160104 893 6,902 SH   OTR 1 6,902 0 0
LOCKHEED MARTIN CORP COM 539830109 119 304 SH   OTR 1 304 0 0
LOWES COS INC COM COM 548661107 260 2,367 SH   OTR 1 2,367 0 0
MARRIOTT INTL INC CL A 571903202 87 698 SH   OTR 1 698 0 0
MASTERCARD INC CL A 57636Q104 433 1,595 SH   OTR 1 1,595 0 0
MCDONALDS CORP COM COM 580135101 389 1,813 SH   OTR 1 1,813 0 0
MERCK & CO INC COM 58933Y105 500 5,934 SH   OTR 1 5,934 0 0
MICROSOFT COM 594918104 1,037 7,457 SH   OTR 1 7,457 0 0
MONDELEZ INTL INC CL A CL A 609207105 153 2,764 SH   OTR 1 2,764 0 0
NETFLIX COM INC COM 64110L106 255 953 SH   OTR 1 953 0 0
NEXTERA ENERGY INC COM COM 65339F101 208 891 SH   OTR 1 891 0 0
NIKE INC CLASS B CL B 654106103 288 3,064 SH   OTR 1 3,064 0 0
NVIDIA CORP COM 67066G104 180 1,032 SH   OTR 1 1,032 0 0
ORACLE CORPORATION COM 68389X105 351 6,376 SH   OTR 1 6,376 0 0
PAYPAL HLDGS INC COM COM 70450Y103 163 1,573 SH   OTR 1 1,573 0 0
PEPSICO INC COM COM 713448108 473 3,449 SH   OTR 1 3,449 0 0
PFIZER INC COM COM 717081103 168 4,688 SH   OTR 1 4,688 0 0
PROCTER & GAMBLE CO COM COM 742718109 590 4,743 SH   OTR 1 4,743 0 0
QUALCOMM INC COM 747525103 131 1,714 SH   OTR 1 1,714 0 0
SALESFORCE COM COM 79466L302 273 1,841 SH   OTR 1 1,841 0 0
STARBUCKS CORP COM 855244109 222 2,508 SH   OTR 1 2,508 0 0
STRYKER CORP COM 863667101 178 823 SH   OTR 1 823 0 0
TESLA MOTORS INC COM 88160R101 4 18 SH   OTR 1 18 0 0
TEXAS INSTRS INC COM COM 882508104 337 2,608 SH   OTR 1 2,608 0 0
THERMO FISHER SCIENTIFIC INC COM COM 883556102 151 518 SH   OTR 1 518 0 0
3M CO COM COM 88579Y101 302 1,835 SH   OTR 1 1,835 0 0
US BANCORP DEL COM NEW COM NEW 902973304 153 2,770 SH   OTR 1 2,770 0 0
UNION PACIFIC CORP COM COM 907818108 248 1,530 SH   OTR 1 1,530 0 0
UNITED TECHNOLOGIES CORP COM COM 913017109 179 1,309 SH   OTR 1 1,309 0 0
UNITEDHEALTH GROUP COM 91324P102 440 2,026 SH   OTR 1 2,026 0 0
VERIZON COMMUNICATIONS COM 92343V104 514 8,522 SH   OTR 1 8,522 0 0
VISA INC COM CL A 92826C839 504 2,928 SH   OTR 1 2,928 0 0
WALMART INC COM COM 931142103 163 1,374 SH   OTR 1 1,374 0 0
WASTE MANAGEMENT INC COM 94106L109 142 1,231 SH   OTR 1 1,231 0 0
WELLS FARGO CO NEW COM COM 949746101 98 1,949 SH   OTR 1 1,949 0 0
ZOETIS INC CL A CL A 98978V103 152 1,219 SH   OTR 1 1,219 0 0