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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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
3M CO COM 88579Y101 327 2,096 SH   SOLE   0 0 2,096
AGILENT TECHNOLOGIES INC COM 00846U101 581 6,573 SH   SOLE   0 0 6,573
AMAZON COM INC COM 023135106 469 170 SH   SOLE   0 0 170
APPLE INC COM 037833100 757 2,075 SH   SOLE   0 0 2,075
COSTCO WHSL CORP NEW COM 22160K105 562 1,855 SH   SOLE   0 0 1,855
DBX ETF TR XTRACKERS S&P 233051143 211 7,738 SH   SOLE   0 0 7,738
DBX ETF TR XTRACKERS SHRT 233051283 12,070 268,779 SH   SOLE   0 0 268,779
DBX ETF TR XTRACKERS MSCI 233051218 257 10,554 SH   SOLE   0 0 10,554
ETF SER SOLUTIONS US GLB JETS 26922A842 19,925 1,196,710 SH   SOLE   0 0 1,196,710
FACEBOOK INC CL A 30303M102 209 920 SH   SOLE   0 0 920
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 34,849 1,105,268 SH   SOLE   0 0 1,105,268
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 200 8,528 SH   SOLE   0 0 8,528
INVESCO QQQ TR UNIT SER 1 46090E103 35,705 144,206 SH   SOLE   0 0 144,206
ISHARES INC CORE MSCI EMKT 46434G103 6,055 127,215 SH   SOLE   0 0 127,215
ISHARES TR RUSSELL 2000 ETF 464287655 1,313 9,167 SH   SOLE   0 0 9,167
ISHARES TR CORE S&P500 ETF 464287200 63,000 203,431 SH   SOLE   0 0 203,431
ISHARES TR IBOXX HI YD ETF 464288513 576 7,051 SH   SOLE   0 0 7,051
ISHARES TR ISHS 1-5YR INVS 464288646 241 4,404 SH   SOLE   0 0 4,404
ISHARES TR CORE S&P SCP ETF 464287804 13,920 203,837 SH   SOLE   0 0 203,837
ISHARES TR ULTR SH TRM BD 46434V878 303 6,000 SH   SOLE   0 0 6,000
ISHARES TR CORE MSCI EAFE 46432F842 1,328 23,236 SH   SOLE   0 0 23,236
ISHARES TR CORE S&P MCP ETF 464287507 23,573 132,565 SH   SOLE   0 0 132,565
ISHARES TR ESG AWR MSCI USA 46435G425 360 5,146 SH   SOLE   0 0 5,146
ISHARES TR ESG AWRE 1 5 YR 46435G243 416 15,994 SH   SOLE   0 0 15,994
ISHARES TR FLTG RATE NT ETF 46429B655 30,966 612,089 SH   SOLE   0 0 612,089
ISHARES TR CORE MSCI INTL 46435G326 10,836 212,021 SH   SOLE   0 0 212,021
MCDONALDS CORP COM 580135101 1,011 5,478 SH   SOLE   0 0 5,478
MICROSOFT CORP COM 594918104 373 1,834 SH   SOLE   0 0 1,834
NETAPP INC COM 64110D104 200 4,500 SH   SOLE   0 0 4,500
NUSHARES ETF TR NUVEEN ESG US 67092P870 239 8,840 SH   SOLE   0 0 8,840
NUVEEN CALIF MUN VALUE FD IN COM 67062C107 156 15,250 SH   SOLE   0 0 15,250
PAYCHEX INC COM 704326107 242 3,200 SH   SOLE   0 0 3,200
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 470 5,148 SH   SOLE   0 0 5,148
PROCTER AND GAMBLE CO COM 742718109 384 3,208 SH   SOLE   0 0 3,208
QUALCOMM INC COM 747525103 591 6,475 SH   SOLE   0 0 6,475
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,796 42,797 SH   SOLE   0 0 42,797
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 436 5,940 SH   SOLE   0 0 5,940
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 17,551 236,857 SH   SOLE   0 0 236,857
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,149 97,848 SH   SOLE   0 0 97,848
SKYWORKS SOLUTIONS INC COM 83088M102 263 2,056 SH   SOLE   0 0 2,056
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,330 17,285 SH   SOLE   0 0 17,285
SPDR SER TR PORTFOLIO INTRMD 78464A375 38,447 1,052,493 SH   SOLE   0 0 1,052,493
SPDR SER TR BLOMBERG BRC INV 78468R200 17,186 563,859 SH   SOLE   0 0 563,859
SPDR SER TR BLOOMBERG SRT TR 78468R408 24,730 981,376 SH   SOLE   0 0 981,376
UNITED PARCEL SERVICE INC CL B 911312106 1,153 10,367 SH   SOLE   0 0 10,367
VANECK VECTORS ETF TR INVT GRADE FLTG 92189F486 11,693 467,217 SH   SOLE   0 0 467,217
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 19,977 649,885 SH   SOLE   0 0 649,885
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,135 24,169 SH   SOLE   0 0 24,169
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,930 20,492 SH   SOLE   0 0 20,492
VANGUARD INDEX FDS MID CAP ETF 922908629 517 3,157 SH   SOLE   0 0 3,157
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 72,065 254,259 SH   SOLE   0 0 254,259
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,675 23,473 SH   SOLE   0 0 23,473
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 21,807 550,538 SH   SOLE   0 0 550,538
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,275 47,774 SH   SOLE   0 0 47,774
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 39,461 725,786 SH   SOLE   0 0 725,786
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 737 6,290 SH   SOLE   0 0 6,290
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 41,229 1,062,885 SH   SOLE   0 0 1,062,885
WISDOMTREE TR CHINADIV EX FI 97717X719 5,397 56,241 SH   SOLE   0 0 56,241
WISDOMTREE TR EM EX ST-OWNED 97717X578 11,873 396,955 SH   SOLE   0 0 396,955