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
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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
3M CO COM 88579Y101 286 2,096 SH   SOLE   0 0 2,096
AGILENT TECHNOLOGIES INC COM 00846U101 471 6,573 SH   SOLE   0 0 6,573
AMAZON COM INC COM 023135106 331 170 SH   SOLE   0 0 170
APPLE INC COM 037833100 626 2,461 SH   SOLE   0 0 2,461
COSTCO WHSL CORP NEW COM 22160K105 529 1,855 SH   SOLE   0 0 1,855
DBX ETF TR XTRACKERS S&P 233051143 200 8,858 SH   SOLE   0 0 8,858
DBX ETF TR XTRACKERS MSCI 233051218 255 12,065 SH   SOLE   0 0 12,065
DBX ETF TR XTRACKERS SHRT 233051283 5,540 129,222 SH   SOLE   0 0 129,222
ETF SER SOLUTIONS US GLB JETS 26922A842 11,765 798,734 SH   SOLE   0 0 798,734
GLOBAL X FDS GLBL X MLP ETF 37950E473 56 17,840 SH   SOLE   0 0 17,840
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 33,573 1,113,908 SH   SOLE   0 0 1,113,908
ISHARES INC CORE MSCI EMKT 46434G103 6,767 167,201 SH   SOLE   0 0 167,201
ISHARES TR CORE S&P500 ETF 464287200 51,271 198,417 SH   SOLE   0 0 198,417
ISHARES TR CORE S&P MCP ETF 464287507 19,054 132,450 SH   SOLE   0 0 132,450
ISHARES TR RUSSELL 2000 ETF 464287655 1,051 9,178 SH   SOLE   0 0 9,178
ISHARES TR CORE S&P SCP ETF 464287804 10,849 193,342 SH   SOLE   0 0 193,342
ISHARES TR IBOXX HI YD ETF 464288513 309 4,007 SH   SOLE   0 0 4,007
ISHARES TR SH TR CRPORT ETF 464288646 231 4,404 SH   SOLE   0 0 4,404
ISHARES TR FLTG RATE NT ETF 46429B655 46,386 951,712 SH   SOLE   0 0 951,712
ISHARES TR CORE MSCI EAFE 46432F842 1,306 26,181 SH   SOLE   0 0 26,181
ISHARES TR ULTR SH TRM BD 46434V878 300 6,000 SH   SOLE   0 0 6,000
ISHARES TR ESG 1 5 YR USD 46435G243 871 34,939 SH   SOLE   0 0 34,939
ISHARES TR CORE MSCI INTL 46435G326 13,927 314,314 SH   SOLE   0 0 314,314
ISHARES TR ESG MSCI USA ETF 46435G425 298 5,191 SH   SOLE   0 0 5,191
ISHARES TR ESG US AGR BD 46435U549 430 7,768 SH   SOLE   0 0 7,768
KEYSIGHT TECHNOLOGIES INC COM 49338L103 275 3,286 SH   SOLE   0 0 3,286
MCDONALDS CORP COM 580135101 914 5,530 SH   SOLE   0 0 5,530
MICROSOFT CORP COM 594918104 289 1,834 SH   SOLE   0 0 1,834
NUSHARES ETF TR NUVEEN ESG US 67092P870 201 7,587 SH   SOLE   0 0 7,587
NUVEEN CALIF MUN VALUE FD IN COM 67062C107 153 15,250 SH   SOLE   0 0 15,250
PAYCHEX INC COM 704326107 201 3,200 SH   SOLE   0 0 3,200
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 234 2,724 SH   SOLE   0 0 2,724
PROCTER & GAMBLE CO COM 742718109 353 3,208 SH   SOLE   0 0 3,208
QUALCOMM INC COM 747525103 438 6,475 SH   SOLE   0 0 6,475
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 330 5,463 SH   SOLE   0 0 5,463
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 14,815 241,875 SH   SOLE   0 0 241,875
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,126 97,858 SH   SOLE   0 0 97,858
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,263 43,922 SH   SOLE   0 0 43,922
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,389 17,029 SH   SOLE   0 0 17,029
SPDR SER TR PORTFOLIO INTRMD 78464A375 29,085 855,200 SH   SOLE   0 0 855,200
SPDR SER TR BLOMBERG BRC INV 78468R200 23,437 797,188 SH   SOLE   0 0 797,188
SPDR SER TR BLOOMBERG SRT TR 78468R408 12,413 526,868 SH   SOLE   0 0 526,868
TORTOISE PIPELINE & ENERGY F COM 89148H108 42 16,000 SH   SOLE   0 0 16,000
UNITED PARCEL SERVICE INC CL B 911312106 968 10,367 SH   SOLE   0 0 10,367
VANECK VECTORS ETF TR INVT GRADE FLTG 92189F486 17,059 722,242 SH   SOLE   0 0 722,242
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 18,269 641,695 SH   SOLE   0 0 641,695
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,115 24,770 SH   SOLE   0 0 24,770
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 61,897 261,368 SH   SOLE   0 0 261,368
VANGUARD INDEX FDS MID CAP ETF 922908629 407 3,091 SH   SOLE   0 0 3,091
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,432 20,539 SH   SOLE   0 0 20,539
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,566 19,904 SH   SOLE   0 0 19,904
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,644 64,459 SH   SOLE   0 0 64,459
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 24,721 736,854 SH   SOLE   0 0 736,854
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 40,555 744,131 SH   SOLE   0 0 744,131
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 650 6,290 SH   SOLE   0 0 6,290
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 50,665 1,519,665 SH   SOLE   0 0 1,519,665
WISDOMTREE TR EM EX ST-OWNED 97717X578 12,777 523,209 SH   SOLE   0 0 523,209
WISDOMTREE TR CHINADIV EX FI 97717X719 6,229 81,495 SH   SOLE   0 0 81,495