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
ABBOTT LABS COM 002824100 316 2,886 SH   SOLE   0 0 2,886
ABBVIE INC COM 00287Y109 277 2,586 SH   SOLE   0 0 2,586
ADOBE SYSTEMS INCORPORATED COM 00724F101 267 534 SH   SOLE   0 0 534
AEGON N V NY REGISTRY SHS 007924103 77 19,554 SH   SOLE   0 0 19,554
AERCAP HOLDINGS NV SHS N00985106 545 11,957 SH   SOLE   0 0 11,957
AES CORP COM 00130H105 1,070 45,538 SH   SOLE   0 0 45,538
ALPHABET INC CAP STK CL A 02079K305 967 552 SH   SOLE   0 0 552
ALPHABET INC CAP STK CL C 02079K107 1,174 670 SH   SOLE   0 0 670
AMAZON COM INC COM 023135106 2,387 733 SH   SOLE   0 0 733
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 549 8,880 SH   SOLE   0 0 8,880
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 4,405 77,015 SH   SOLE   0 0 77,015
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 470 8,233 SH   SOLE   0 0 8,233
AMERICAN CENTY ETF TR US EQT ETF 025072885 6,960 110,476 SH   SOLE   0 0 110,476
AMERICAN CENTY ETF TR US SML CP VALU 025072877 8,970 157,810 SH   SOLE   0 0 157,810
AMERICAN EXPRESS CO COM 025816109 821 6,794 SH   SOLE   0 0 6,794
AMGEN INC COM 031162100 534 2,322 SH   SOLE   0 0 2,322
APPLE INC COM 037833100 7,668 57,790 SH   SOLE   0 0 57,790
ASML HOLDING N V N Y REGISTRY SHS N07059210 436 894 SH   SOLE   0 0 894
ASTRAZENECA PLC SPONSORED ADR 046353108 382 7,638 SH   SOLE   0 0 7,638
AT&T INC COM 00206R102 207 7,185 SH   SOLE   0 0 7,185
AUTODESK INC COM 052769106 345 1,130 SH   SOLE   0 0 1,130
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 115 23,304 SH   SOLE   0 0 23,304
BANCO SANTANDER S.A. ADR 05964H105 52 16,959 SH   SOLE   0 0 16,959
BARCLAYS PLC ADR 06738E204 119 14,922 SH   SOLE   0 0 14,922
BARRICK GOLD CORP COM 067901108 446 19,563 SH   SOLE   0 0 19,563
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 469 2,022 SH   SOLE   0 0 2,022
BHP GROUP LTD SPONSORED ADS 088606108 866 13,260 SH   SOLE   0 0 13,260
BLACKROCK INC COM 09247X101 1,004 1,391 SH   SOLE   0 0 1,391
BLOOM ENERGY CORP COM CL A 093712107 296 10,342 SH   SOLE   0 0 10,342
BOEING CO COM 097023105 553 2,584 SH   SOLE   0 0 2,584
BOOKING HOLDINGS INC COM 09857L108 263 118 SH   SOLE   0 0 118
BP PLC SPONSORED ADR 055622104 324 15,791 SH   SOLE   0 0 15,791
BRISTOL-MYERS SQUIBB CO COM 110122108 630 10,149 SH   SOLE   0 0 10,149
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 210 5,612 SH   SOLE   0 0 5,612
BROADCOM INC COM 11135F101 428 977 SH   SOLE   0 0 977
CAMECO CORP COM 13321L108 622 46,402 SH   SOLE   0 0 46,402
CAPRI HOLDINGS LIMITED SHS G1890L107 217 5,162 SH   SOLE   0 0 5,162
CARNIVAL CORP UNIT 99/99/9999 143658300 272 12,555 SH   SOLE   0 0 12,555
CHEVRON CORP NEW COM 166764100 263 3,110 SH   SOLE   0 0 3,110
CISCO SYS INC COM 17275R102 776 17,341 SH   SOLE   0 0 17,341
CLEVELAND-CLIFFS INC NEW COM 185899101 235 16,134 SH   SOLE   0 0 16,134
COCA COLA CO COM 191216100 213 3,875 SH   SOLE   0 0 3,875
COMCAST CORP NEW CL A 20030N101 1,257 23,990 SH   SOLE   0 0 23,990
COSTCO WHSL CORP NEW COM 22160K105 675 1,792 SH   SOLE   0 0 1,792
CREE INC COM 225447101 218 2,060 SH   SOLE   0 0 2,060
CYRUSONE INC COM 23283R100 416 5,684 SH   SOLE   0 0 5,684
DANAHER CORPORATION COM 235851102 240 1,080 SH   SOLE   0 0 1,080
DAVITA INC COM 23918K108 305 2,597 SH   SOLE   0 0 2,597
DIAGEO PLC SPON ADR NEW 25243Q205 246 1,547 SH   SOLE   0 0 1,547
DISNEY WALT CO COM 254687106 385 2,127 SH   SOLE   0 0 2,127
DOCUSIGN INC COM 256163106 17,807 80,104 SH   SOLE   0 0 80,104
DUKE ENERGY CORP NEW COM NEW 26441C204 211 2,305 SH   SOLE   0 0 2,305
EATON VANCE CORP COM NON VTG 278265103 1,889 27,805 SH   SOLE   0 0 27,805
EATON VANCE TAX MNGED BUY WR COM 27828X100 773 51,525 SH   SOLE   0 0 51,525
EPAM SYS INC COM 29414B104 718 2,004 SH   SOLE   0 0 2,004
FACEBOOK INC CL A 30303M102 792 2,898 SH   SOLE   0 0 2,898
FASTLY INC CL A 31188V100 868 9,939 SH   SOLE   0 0 9,939
FIRST REP BK SAN FRANCISCO C COM 33616C100 618 4,206 SH   SOLE   0 0 4,206
GABELLI UTIL TR COM 36240A101 1,302 160,346 SH   SOLE   0 0 160,346
GENERAL ELECTRIC CO COM 369604103 151 13,976 SH   SOLE   0 0 13,976
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 297 2,970 SH   SOLE   0 0 2,970
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 478 9,419 SH   SOLE   0 0 9,419
HEWLETT PACKARD ENTERPRISE C COM 42824C109 594 50,148 SH   SOLE   0 0 50,148
HOME DEPOT INC COM 437076102 452 1,701 SH   SOLE   0 0 1,701
HYRECAR INC COM 44916T107 1,342 188,000 SH   SOLE   0 0 188,000
ILLUMINA INC COM 452327109 344 931 SH   SOLE   0 0 931
ING GROEP N.V. SPONSORED ADR 456837103 132 13,959 SH   SOLE   0 0 13,959
INTEL CORP COM 458140100 485 9,736 SH   SOLE   0 0 9,736
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 4,351 17,160 SH   SOLE   0 0 17,160
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 13,797 108,178 SH   SOLE   0 0 108,178
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 425 2,609 SH   SOLE   0 0 2,609
ISHARES GOLD TRUST ISHARES 464285105 11,342 625,610 SH   SOLE   0 0 625,610
ISHARES INC CORE MSCI EMKT 46434G103 3,896 62,797 SH   SOLE   0 0 62,797
ISHARES TR CORE INTL AGGR 46435G672 1,491 26,526 SH   SOLE   0 0 26,526
ISHARES TR CORE MSCI EAFE 46432F842 11,407 165,109 SH   SOLE   0 0 165,109
ISHARES TR CORE S&P MCP ETF 464287507 386 1,680 SH   SOLE   0 0 1,680
ISHARES TR CORE S&P SCP ETF 464287804 330 3,594 SH   SOLE   0 0 3,594
ISHARES TR CORE S&P500 ETF 464287200 1,747 4,655 SH   SOLE   0 0 4,655
ISHARES TR CORE US AGGBD ET 464287226 455 3,848 SH   SOLE   0 0 3,848
ISHARES TR EAFE SML CP ETF 464288273 564 8,250 SH   SOLE   0 0 8,250
ISHARES TR FLTG RATE NT ETF 46429B655 812 16,011 SH   SOLE   0 0 16,011
ISHARES TR MSCI EMG MKT ETF 464287234 266 5,150 SH   SOLE   0 0 5,150
ISHARES TR MSCI EURO FL ETF 464289180 368 21,000 SH   SOLE   0 0 21,000
ISHARES TR PFD AND INCM SEC 464288687 775 20,135 SH   SOLE   0 0 20,135
ISHARES TR RUS 1000 GRW ETF 464287614 482 2,000 SH   SOLE   0 0 2,000
ISHARES TR RUSSELL 2000 ETF 464287655 1,294 6,602 SH   SOLE   0 0 6,602
ISHARES TR U.S. REAL ES ETF 464287739 1,255 14,647 SH   SOLE   0 0 14,647
JAMES HARDIE INDS PLC SPONSORED ADR 47030M106 201 6,776 SH   SOLE   0 0 6,776
JOHNSON & JOHNSON COM 478160104 1,054 6,695 SH   SOLE   0 0 6,695
JPMORGAN CHASE & CO COM 46625H100 1,170 9,205 SH   SOLE   0 0 9,205
KKR & CO INC COM 48251W104 423 10,455 SH   SOLE   0 0 10,455
KKR INCOME OPPORTUNITIES FD COM 48249T106 3,403 235,852 SH   SOLE   0 0 235,852
LILLY ELI & CO COM 532457108 340 2,016 SH   SOLE   0 0 2,016
LYFT INC CL A COM 55087P104 1,091 22,197 SH   SOLE   0 0 22,197
MASTERCARD INCORPORATED CL A 57636Q104 334 936 SH   SOLE   0 0 936
MCDONALDS CORP COM 580135101 218 1,014 SH   SOLE   0 0 1,014
MEDTRONIC PLC SHS G5960L103 361 3,083 SH   SOLE   0 0 3,083
MERCK & CO. INC COM 58933Y105 830 10,145 SH   SOLE   0 0 10,145
MICROSOFT CORP COM 594918104 2,569 11,551 SH   SOLE   0 0 11,551
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 158 35,658 SH   SOLE   0 0 35,658
MIZUHO FINANCIAL GROUP INC. SPONSORED ADR 60687Y109 123 48,160 SH   SOLE   0 0 48,160
NETFLIX INC COM 64110L106 997 1,843 SH   SOLE   0 0 1,843
NEW YORK MTG TR INC COM PAR $.02 649604501 42 11,272 SH   SOLE   0 0 11,272
NEWMONT CORP COM 651639106 631 10,528 SH   SOLE   0 0 10,528
NEXTERA ENERGY INC COM 65339F101 215 2,789 SH   SOLE   0 0 2,789
NOMURA HLDGS INC SPONSORED ADR 65535H208 96 17,946 SH   SOLE   0 0 17,946
NOVARTIS AG SPONSORED ADR 66987V109 478 5,059 SH   SOLE   0 0 5,059
NOVO-NORDISK A S ADR 670100205 310 4,439 SH   SOLE   0 0 4,439
NVIDIA CORPORATION COM 67066G104 308 589 SH   SOLE   0 0 589
ORACLE CORP COM 68389X105 693 10,708 SH   SOLE   0 0 10,708
PAYPAL HLDGS INC COM 70450Y103 300 1,282 SH   SOLE   0 0 1,282
PEPSICO INC COM 713448108 221 1,491 SH   SOLE   0 0 1,491
PFIZER INC COM 717081103 279 7,567 SH   SOLE   0 0 7,567
PHILIP MORRIS INTL INC COM 718172109 610 7,363 SH   SOLE   0 0 7,363
PHILLIPS 66 COM 718546104 264 3,779 SH   SOLE   0 0 3,779
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 945 9,259 SH   SOLE   0 0 9,259
PROCTER AND GAMBLE CO COM 742718109 844 6,066 SH   SOLE   0 0 6,066
QUALCOMM INC COM 747525103 526 3,453 SH   SOLE   0 0 3,453
RIO TINTO PLC SPONSORED ADR 767204100 224 2,983 SH   SOLE   0 0 2,983
ROSS STORES INC COM 778296103 702 5,718 SH   SOLE   0 0 5,718
SAFEGUARD SCIENTIFICS INC COM NEW 786449207 64 10,000 SH   SOLE   0 0 10,000
SALESFORCE COM INC COM 79466L302 881 3,957 SH   SOLE   0 0 3,957
SANOFI SPONSORED ADR 80105N105 316 6,510 SH   SOLE   0 0 6,510
SAP SE SPON ADR 803054204 295 2,260 SH   SOLE   0 0 2,260
SCHWAB CHARLES CORP COM 808513105 808 15,239 SH   SOLE   0 0 15,239
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 379 4,259 SH   SOLE   0 0 4,259
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 4,694 53,005 SH   SOLE   0 0 53,005
SONY CORP SPONSORED ADR 835699307 314 3,104 SH   SOLE   0 0 3,104
SOUTHWESTERN ENERGY CO COM 845467109 60 20,129 SH   SOLE   0 0 20,129
SPDR GOLD TR GOLD SHS 78463V107 255 1,428 SH   SOLE   0 0 1,428
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 946 21,134 SH   SOLE   0 0 21,134
SPDR SER TR BLMBRG BRC CNVRT 78464A359 1,546 18,673 SH   SOLE   0 0 18,673
SPDR SER TR S&P DIVID ETF 78464A763 8,765 82,745 SH   SOLE   0 0 82,745
SPLUNK INC COM 848637104 511 3,006 SH   SOLE   0 0 3,006
STARBUCKS CORP COM 855244109 291 2,722 SH   SOLE   0 0 2,722
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 204 33,032 SH   SOLE   0 0 33,032
SYSCO CORP COM 871829107 520 7,005 SH   SOLE   0 0 7,005
TE CONNECTIVITY LTD REG SHS H84989104 204 1,682 SH   SOLE   0 0 1,682
TELEFONICA S A SPONSORED ADR 879382208 63 15,485 SH   SOLE   0 0 15,485
TERRENO RLTY CORP COM 88146M101 1,425 24,347 SH   SOLE   0 0 24,347
TESLA INC COM 88160R101 5,362 7,599 SH   SOLE   0 0 7,599
TEXAS INSTRS INC COM 882508104 218 1,326 SH   SOLE   0 0 1,326
THERMO FISHER SCIENTIFIC INC COM 883556102 312 670 SH   SOLE   0 0 670
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 389 2,518 SH   SOLE   0 0 2,518
TWILIO INC CL A 90138F102 5,432 16,047 SH   SOLE   0 0 16,047
TWITTER INC COM 90184L102 297 5,492 SH   SOLE   0 0 5,492
UBER TECHNOLOGIES INC COM 90353T100 766 15,011 SH   SOLE   0 0 15,011
UBS GROUP AG SHS H42097107 172 12,169 SH   SOLE   0 0 12,169
UNILEVER PLC SPON ADR NEW 904767704 360 5,956 SH   SOLE   0 0 5,956
UNION PAC CORP COM 907818108 285 1,367 SH   SOLE   0 0 1,367
UNITED PARCEL SERVICE INC CL B 911312106 202 1,201 SH   SOLE   0 0 1,201
UNITEDHEALTH GROUP INC COM 91324P102 713 2,033 SH   SOLE   0 0 2,033
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,584 17,966 SH   SOLE   0 0 17,966
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 782 4,748 SH   SOLE   0 0 4,748
VANGUARD INDEX FDS MID CAP ETF 922908629 10,437 50,477 SH   SOLE   0 0 50,477
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 250 2,941 SH   SOLE   0 0 2,941
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,804 50,358 SH   SOLE   0 0 50,358
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,072 20,919 SH   SOLE   0 0 20,919
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,936 33,172 SH   SOLE   0 0 33,172
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,972 119,185 SH   SOLE   0 0 119,185
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,410 27,991 SH   SOLE   0 0 27,991
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,147 21,120 SH   SOLE   0 0 21,120
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,341 65,391 SH   SOLE   0 0 65,391
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,029 10,594 SH   SOLE   0 0 10,594
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 651 4,615 SH   SOLE   0 0 4,615
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 405 8,573 SH   SOLE   0 0 8,573
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4,636 50,657 SH   SOLE   0 0 50,657
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 3,905 17,453 SH   SOLE   0 0 17,453
VANGUARD WORLD FDS MATERIALS ETF 92204A801 1,421 9,050 SH   SOLE   0 0 9,050
VERIZON COMMUNICATIONS INC COM 92343V104 472 8,041 SH   SOLE   0 0 8,041
VERTEX PHARMACEUTICALS INC COM 92532F100 295 1,248 SH   SOLE   0 0 1,248
VISA INC COM CL A 92826C839 553 2,526 SH   SOLE   0 0 2,526
WALMART INC COM 931142103 302 2,096 SH   SOLE   0 0 2,096
WELLS FARGO CO NEW COM 949746101 654 21,671 SH   SOLE   0 0 21,671
WESTPAC BANKING CORP SPONSORED ADR 961214301 202 13,548 SH   SOLE   0 0 13,548
WORKIVA INC COM CL A 98139A105 458 5,000 SH   SOLE   0 0 5,000
ZOETIS INC CL A 98978V103 661 3,992 SH   SOLE   0 0 3,992
ZUORA INC COM CL A 98983V106 1,110 79,667 SH   SOLE   0 0 79,667