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
AERCAP HOLDINGS NV SHS N00985106 412 13,376 SH   SOLE   0 0 13,376
ISHARES TR EAFE SML CP ETF 464288273 444 8,282 SH   SOLE   0 0 8,282
PHILIP MORRIS INTL INC COM 718172109 549 7,840 SH   SOLE   0 0 7,840
ROSS STORES INC COM 778296103 553 6,489 SH   SOLE   0 0 6,489
HYRECAR INC COM 44916T107 551 188,000 SH   SOLE   0 0 188,000
UNITEDHEALTH GROUP INC COM 91324P102 604 2,047 SH   SOLE   0 0 2,047
ISHARES GOLD TRUST ISHARES 464285105 9,540 561,505 SH   SOLE   0 0 561,505
FASTLY INC CL A 31188V100 857 10,070 SH   SOLE   0 0 10,070
DAVITA INC COM 23918K108 1,030 13,015 SH   SOLE   0 0 13,015
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,556 32,692 SH   SOLE   0 0 32,692
ISHARES TR MSCI EMG MKT ETF 464287234 210 5,250 SH   SOLE   0 0 5,250
PFIZER INC COM 717081103 244 7,475 SH   SOLE   0 0 7,475
ISHARES TR CORE S&P500 ETF 464287200 1,485 4,795 SH   SOLE   0 0 4,795
ZUORA INC COM CL A 98983V106 1,069 83,882 SH   SOLE   0 0 83,882
HEWLETT PACKARD ENTERPRISE C COM 42824C109 445 45,713 SH   SOLE   0 0 45,713
PAYPAL HLDGS INC COM 70450Y103 287 1,645 SH   SOLE   0 0 1,645
ASML HOLDING N V N Y REGISTRY SHS N07059210 328 890 SH   SOLE   0 0 890
FACEBOOK INC CL A 30303M102 707 3,115 SH   SOLE   0 0 3,115
KKR & CO INC COM 48251W104 323 10,455 SH   SOLE   0 0 10,455
GENERAL ELECTRIC CO COM 369604103 75 10,947 SH   SOLE   0 0 10,947
AMGEN INC COM 031162100 548 2,324 SH   SOLE   0 0 2,324
VANGUARD WORLD FDS MATERIALS ETF 92204A801 1,165 9,657 SH   SOLE   0 0 9,657
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 766 20,735 SH   SOLE   0 0 20,735
AT&T INC COM 00206R102 278 9,204 SH   SOLE   0 0 9,204
BANCO SANTANDER S.A. ADR 05964H105 67 27,645 SH   SOLE   0 0 27,645
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 384 3,820 SH   SOLE   0 0 3,820
SANOFI SPONSORED ADR 80105N105 325 6,375 SH   SOLE   0 0 6,375
NOVARTIS AG SPONSORED ADR 66987V109 451 5,164 SH   SOLE   0 0 5,164
AMERICAN CENTY ETF TR US SML CP VALU 025072877 6,065 149,715 SH   SOLE   0 0 149,715
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,218 20,559 SH   SOLE   0 0 20,559
TOTAL S.A. SPONSORED ADS 89151E109 201 5,215 SH   SOLE   0 0 5,215
WALMART INC COM 931142103 248 2,070 SH   SOLE   0 0 2,070
CARNIVAL CORP UNIT 99/99/9999 143658300 338 20,595 SH   SOLE   0 0 20,595
QUALCOMM INC COM 747525103 338 3,708 SH   SOLE   0 0 3,708
AUTODESK INC COM 052769106 271 1,131 SH   SOLE   0 0 1,131
TWILIO INC CL A 90138F102 3,058 13,939 SH   SOLE   0 0 13,939
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 11,021 108,308 SH   SOLE   0 0 108,308
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 3,657 53,233 SH   SOLE   0 0 53,233
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,016 9,988 SH   SOLE   0 0 9,988
NOMURA HLDGS INC SPONSORED ADR 65535H208 82 18,446 SH   SOLE   0 0 18,446
CHEVRON CORP NEW COM 166764100 287 3,214 SH   SOLE   0 0 3,214
THERMO FISHER SCIENTIFIC INC COM 883556102 241 666 SH   SOLE   0 0 666
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 211 5,429 SH   SOLE   0 0 5,429
ISHARES TR PFD AND INCM SEC 464288687 681 19,673 SH   SOLE   0 0 19,673
SPDR GOLD TR GOLD SHS 78463V107 76 2,500 SH Call SOLE   0 0 2,500
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,796 121,090 SH   SOLE   0 0 121,090
JPMORGAN CHASE & CO COM 46625H100 859 9,131 SH   SOLE   0 0 9,131
DISNEY WALT CO COM DISNEY 254687106 261 2,341 SH   SOLE   0 0 2,341
AMERICAN EXPRESS CO COM 025816109 729 7,657 SH   SOLE   0 0 7,657
SPDR SER TR S&P DIVID ETF 78464A763 7,331 80,383 SH   SOLE   0 0 80,383
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 998 21,381 SH   SOLE   0 0 21,381
ISHARES TR CORE INTL AGGR 46435G672 1,400 25,139 SH   SOLE   0 0 25,139
BHP GROUP LTD SPONSORED ADS 088606108 688 13,836 SH   SOLE   0 0 13,836
ABBOTT LABS COM 002824100 279 3,048 SH   SOLE   0 0 3,048
DIAGEO P L C SPON ADR NEW 25243Q205 210 1,560 SH   SOLE   0 0 1,560
TESLA INC COM 88160R101 1,829 1,694 SH   SOLE   0 0 1,694
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 209 5,127 SH   SOLE   0 0 5,127
ORACLE CORP COM 68389X105 1,091 19,747 SH   SOLE   0 0 19,747
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 3,814 48,413 SH   SOLE   0 0 48,413
BLACKROCK INC COM 09247X101 746 1,371 SH   SOLE   0 0 1,371
ABBVIE INC COM 00287Y109 252 2,562 SH   SOLE   0 0 2,562
VERTEX PHARMACEUTICALS INC COM 92532F100 302 1,041 SH   SOLE   0 0 1,041
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 856 8,998 SH   SOLE   0 0 8,998
SONY CORP SPONSORED ADR 835699307 214 3,094 SH   SOLE   0 0 3,094
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 96 24,431 SH   SOLE   0 0 24,431
SOUTHWESTERN ENERGY CO COM 845467109 43 16,918 SH   SOLE   0 0 16,918
SPDR GOLD TR GOLD SHS 78463V107 234 1,400 SH   SOLE   0 0 1,400
OFFICE DEPOT INC COM 676220106 39 16,625 SH   SOLE   0 0 16,625
ISHARES TR ULTR SH TRM BD 46434V878 390 7,709 SH   SOLE   0 0 7,709
EATON VANCE CORP COM NON VTG 278265103 1,050 27,195 SH   SOLE   0 0 27,195
AEGON N V NY REGISTRY SHS 007924103 70 23,959 SH   SOLE   0 0 23,959
ILLUMINA INC COM 452327109 347 938 SH   SOLE   0 0 938
EPAM SYS INC COM 29414B104 652 2,589 SH   SOLE   0 0 2,589
LILLY ELI & CO COM 532457108 336 2,045 SH   SOLE   0 0 2,045
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 231 2,941 SH   SOLE   0 0 2,941
BP PLC SPONSORED ADR 055622104 356 15,254 SH   SOLE   0 0 15,254
INTEL CORP COM 458140100 604 10,098 SH   SOLE   0 0 10,098
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 529 4,515 SH   SOLE   0 0 4,515
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 320 2,547 SH   SOLE   0 0 2,547
JOHNSON & JOHNSON COM 478160104 931 6,619 SH   SOLE   0 0 6,619
CYRUSONE INC COM 23283R100 383 5,261 SH   SOLE   0 0 5,261
HOME DEPOT INC COM 437076102 421 1,682 SH   SOLE   0 0 1,682
AMAZON COM INC COM 023135106 1,981 718 SH   SOLE   0 0 718
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 167 29,761 SH   SOLE   0 0 29,761
SALESFORCE COM INC COM 79466L302 886 4,728 SH   SOLE   0 0 4,728
BARCLAYS PLC ADR 06738E204 91 16,057 SH   SOLE   0 0 16,057
WORKIVA INC COM CL A 98139A105 267 5,000 SH   SOLE   0 0 5,000
GABELLI UTIL TR COM 36240A101 507 70,386 SH   SOLE   0 0 70,386
TWITTER INC COM 90184L102 200 6,723 SH   SOLE   0 0 6,723
ISHARES TR CORE MSCI EAFE 46432F842 9,219 161,285 SH   SOLE   0 0 161,285
NOVO-NORDISK A S ADR 670100205 291 4,438 SH   SOLE   0 0 4,438
BLOOM ENERGY CORP COM CL A 093712107 113 10,342 SH   SOLE   0 0 10,342
UBS GROUP AG SHS H42097107 135 11,706 SH   SOLE   0 0 11,706
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 412 3,179 SH   SOLE   0 0 3,179
AES CORP COM 00130H105 1,087 74,984 SH   SOLE   0 0 74,984
COSTCO WHSL CORP NEW COM 22160K105 537 1,772 SH   SOLE   0 0 1,772
VANGUARD INDEX FDS MID CAP ETF 922908629 8,164 49,805 SH   SOLE   0 0 49,805
FORTRESS TRANS INFRST INVS L COM REP LTD LIAB 34960P101 162 12,459 SH   SOLE   0 0 12,459
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 222 4,700 SH   SOLE   0 0 4,700
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 66 19,310 SH   SOLE   0 0 19,310
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 297 4,550 SH   SOLE   0 0 4,550
PROCTER AND GAMBLE CO COM 742718109 719 6,010 SH   SOLE   0 0 6,010
MERCK & CO. INC COM 58933Y105 778 10,059 SH   SOLE   0 0 10,059
MASTERCARD INCORPORATED CL A 57636Q104 268 906 SH   SOLE   0 0 906
VISA INC COM CL A 92826C839 500 2,589 SH   SOLE   0 0 2,589
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 602 11,894 SH   SOLE   0 0 11,894
VERIZON COMMUNICATIONS INC COM 92343V104 434 7,880 SH   SOLE   0 0 7,880
ADOBE INC COM 00724F101 232 532 SH   SOLE   0 0 532
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 2,823 60,770 SH   SOLE   0 0 60,770
LYFT INC CL A COM 55087P104 228 6,901 SH   SOLE   0 0 6,901
TERRENO RLTY CORP COM 88146M101 1,236 23,485 SH   SOLE   0 0 23,485
EXXON MOBIL CORP COM 30231G102 300 6,712 SH   SOLE   0 0 6,712
MIZUHO FINL GROUP INC SPONSORED ADR 60687Y109 90 36,636 SH   SOLE   0 0 36,636
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 3,704 19,228 SH   SOLE   0 0 19,228
ASTRAZENECA PLC SPONSORED ADR 046353108 521 9,851 SH   SOLE   0 0 9,851
MACYS INC COM 55616P104 73 10,582 SH   SOLE   0 0 10,582
ISHARES INC CORE MSCI EMKT 46434G103 3,120 65,543 SH   SOLE   0 0 65,543
CISCO SYS INC COM 17275R102 817 17,527 SH   SOLE   0 0 17,527
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 547 4,623 SH   SOLE   0 0 4,623
PHILLIPS 66 COM 718546104 233 3,237 SH   SOLE   0 0 3,237
SPLUNK INC COM 848637104 597 3,006 SH   SOLE   0 0 3,006
BARRICK GOLD CORPORATION COM 067901108 562 20,872 SH   SOLE   0 0 20,872
SCHWAB CHARLES CORP COM 808513105 425 12,586 SH   SOLE   0 0 12,586
ISHARES TR CORE S&P MCP ETF 464287507 299 1,680 SH   SOLE   0 0 1,680
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,902 30,036 SH   SOLE   0 0 30,036
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,185 49,306 SH   SOLE   0 0 49,306
BIOGEN INC COM 09062X103 212 791 SH   SOLE   0 0 791
MEDTRONIC PLC SHS G5960L103 277 3,026 SH   SOLE   0 0 3,026
WISDOMTREE TR US HIGH DIVIDEND 97717W208 209 3,360 SH   SOLE   0 0 3,360
CLEVELAND CLIFFS INC COM 185899101 83 15,008 SH   SOLE   0 0 15,008
ROYAL BK SCOTLAND GROUP PLC SPONS ADR 2 ORD 780097689 63 20,556 SH   SOLE   0 0 20,556
NVIDIA CORPORATION COM 67066G104 225 592 SH   SOLE   0 0 592
FIRST REP BK SAN FRANCISCO C COM 33616C100 541 5,108 SH   SOLE   0 0 5,108
DOCUSIGN INC COM 256163106 6,637 38,538 SH   SOLE   0 0 38,538
BROADCOM INC COM 11135F101 296 937 SH   SOLE   0 0 937
NEWMONT CORP COM 651639106 667 10,802 SH   SOLE   0 0 10,802
SAP SE SPON ADR 803054204 353 2,520 SH   SOLE   0 0 2,520
ISHARES TR RUSSELL 2000 ETF 464287655 945 6,602 SH   SOLE   0 0 6,602
AMERICAN CENTY ETF TR US EQT ETF 025072885 5,264 105,389 SH   SOLE   0 0 105,389
ALPHABET INC CAP STK CL C 02079K107 1,113 787 SH   SOLE   0 0 787
SYSCO CORP COM 871829107 425 7,783 SH   SOLE   0 0 7,783
COMCAST CORP NEW CL A 20030N101 928 23,812 SH   SOLE   0 0 23,812
TELEFONICA S A SPONSORED ADR 879382208 80 16,565 SH   SOLE   0 0 16,565
ING GROEP N.V. SPONSORED ADR 456837103 85 12,369 SH   SOLE   0 0 12,369
KKR INCOME OPPORTUNITIES FD COM 48249T106 2,875 233,372 SH   SOLE   0 0 233,372
ISHARES TR U.S. REAL ES ETF 464287739 1,083 13,746 SH   SOLE   0 0 13,746
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 3,414 17,143 SH   SOLE   0 0 17,143
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 355 9,161 SH   SOLE   0 0 9,161
NETFLIX INC COM 64110L106 830 1,825 SH   SOLE   0 0 1,825
SPDR SER TR BLMBRG BRC CNVRT 78464A359 1,250 20,653 SH   SOLE   0 0 20,653
UNION PAC CORP COM 907818108 227 1,342 SH   SOLE   0 0 1,342
ISHARES TR RUS 1000 GRW ETF 464287614 384 2,000 SH   SOLE   0 0 2,000
NEW YORK MTG TR INC COM PAR $.02 649604501 30 11,481 SH   SOLE   0 0 11,481
ZOETIS INC CL A 98978V103 549 4,009 SH   SOLE   0 0 4,009
APPLE INC COM 037833100 6,103 16,729 SH   SOLE   0 0 16,729
ISHARES TR CORE US AGGBD ET 464287226 455 3,848 SH   SOLE   0 0 3,848
STARBUCKS CORP COM 855244109 219 2,979 SH   SOLE   0 0 2,979
MICROSOFT CORP COM 594918104 2,381 11,702 SH   SOLE   0 0 11,702
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 315 1,765 SH   SOLE   0 0 1,765
ALPHABET INC CAP STK CL A 02079K305 803 566 SH   SOLE   0 0 566
WESTPAC BANKING CORP SPONSORED ADR 961214301 166 13,270 SH   SOLE   0 0 13,270
CAMECO CORP COM 13321L108 446 43,488 SH   SOLE   0 0 43,488
WELLS FARGO CO NEW COM 949746101 1,239 48,390 SH   SOLE   0 0 48,390
EATON VANCE TAX MNGED BUY WR COM 27828X100 830 59,525 SH   SOLE   0 0 59,525
ISHARES TR CORE S&P SCP ETF 464287804 245 3,594 SH   SOLE   0 0 3,594
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,471 16,654 SH   SOLE   0 0 16,654
BRISTOL-MYERS SQUIBB CO COM 110122108 619 10,528 SH   SOLE   0 0 10,528
ISHARES TR FLTG RATE NT ETF 46429B655 637 12,584 SH   SOLE   0 0 12,584