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 366 2,096 SH   SOLE   0 0 2,096
AGILENT TECHNOLOGIES INC COM 00846U101 779 6,573 SH   SOLE   0 0 6,573
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 203 6,000 SH   SOLE   0 0 6,000
ALPHABET INC CAP STK CL A 02079K305 210 120 SH   SOLE   0 0 120
AMAZON COM INC COM 023135106 554 170 SH   SOLE   0 0 170
APPLE INC COM 037833100 1,366 10,292 SH   SOLE   0 0 10,292
APPLIED MATLS INC COM 038222105 262 3,038 SH   SOLE   0 0 3,038
BROOKFIELD RENEWABLE PARTNER PARTNERSHIP UNIT G16258108 259 6,000 SH   SOLE   0 0 6,000
COSTCO WHSL CORP NEW COM 22160K105 691 1,835 SH   SOLE   0 0 1,835
DBX ETF TR XTRACKERS S&P 233051143 268 8,153 SH   SOLE   0 0 8,153
DBX ETF TR XTRACKERS SHRT 233051283 15,291 321,879 SH   SOLE   0 0 321,879
ENERGY TRANSFER LP COM UT LTD PTN 29273V100 70 11,400 SH   SOLE   0 0 11,400
FACEBOOK INC CL A 30303M102 292 1,070 SH   SOLE   0 0 1,070
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 36,968 1,109,138 SH   SOLE   0 0 1,109,138
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 42 1,256 SH   SOLE 41,030 0 0 1,256
INVESCO QQQ TR UNIT SER 1 46090E103 103 329 SH   SOLE 41,030 0 0 329
INVESCO QQQ TR UNIT SER 1 46090E103 62,566 199,419 SH   SOLE   0 0 199,419
ISHARES INC CORE MSCI EMKT 46434G103 6,901 111,231 SH   SOLE   0 0 111,231
ISHARES TR 3 7 YR TREAS BD 464288661 21,573 162,225 SH   SOLE   0 0 162,225
ISHARES TR CORE MSCI EAFE 46432F842 1,545 22,366 SH   SOLE   0 0 22,366
ISHARES TR CORE MSCI INTL 46435G326 12,550 203,635 SH   SOLE   0 0 203,635
ISHARES TR CORE S&P MCP ETF 464287507 59 258 SH   SOLE 41,030 0 0 258
ISHARES TR CORE S&P MCP ETF 464287507 29,622 128,888 SH   SOLE   0 0 128,888
ISHARES TR CORE S&P SCP ETF 464287804 18,320 199,351 SH   SOLE   0 0 199,351
ISHARES TR CORE S&P SCP ETF 464287804 39 420 SH   SOLE 41,030 0 0 420
ISHARES TR CORE S&P500 ETF 464287200 78,900 210,182 SH   SOLE   0 0 210,182
ISHARES TR CORE US AGGBD ET 464287226 501 4,237 SH   SOLE   0 0 4,237
ISHARES TR ESG AWR MSCI USA 46435G425 388 4,510 SH   SOLE   0 0 4,510
ISHARES TR ESG AWRE 1 5 YR 46435G243 278 10,631 SH   SOLE   0 0 10,631
ISHARES TR FLTG RATE NT ETF 46429B655 8 148 SH   SOLE 41,030 0 0 148
ISHARES TR FLTG RATE NT ETF 46429B655 21,095 415,909 SH   SOLE   0 0 415,909
ISHARES TR IBOXX HI YD ETF 464288513 612 7,007 SH   SOLE   0 0 7,007
ISHARES TR ISHS 1-5YR INVS 464288646 240 4,346 SH   SOLE   0 0 4,346
ISHARES TR RUSSELL 2000 ETF 464287655 1,770 9,030 SH   SOLE   0 0 9,030
MCDONALDS CORP COM 580135101 1,015 4,728 SH   SOLE   0 0 4,728
MICROSOFT CORP COM 594918104 445 2,000 SH   SOLE   0 0 2,000
NETAPP INC COM 64110D104 265 4,000 SH   SOLE   0 0 4,000
NEXPOINT STRATEGIC OPPORTES COM NEW 65340G205 835 79,354 SH   SOLE   0 0 79,354
NUSHARES ETF TR NUVEEN ESG US 67092P870 237 8,834 SH   SOLE   0 0 8,834
NUVEEN CALIFORNIA MUNI VLU F COM STK 67062C107 111 10,250 SH   SOLE   0 0 10,250
PAYCHEX INC COM 704326107 298 3,200 SH   SOLE   0 0 3,200
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 481 4,894 SH   SOLE   0 0 4,894
PROCTER AND GAMBLE CO COM 742718109 446 3,208 SH   SOLE   0 0 3,208
QUALCOMM INC COM 747525103 817 5,363 SH   SOLE   0 0 5,363
SALESFORCE COM INC COM 79466L302 223 1,000 SH   SOLE   0 0 1,000
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 476 5,234 SH   SOLE   0 0 5,234
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 19,591 215,404 SH   SOLE   0 0 215,404
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,269 91,950 SH   SOLE   0 0 91,950
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,470 38,993 SH   SOLE   0 0 38,993
SKYWORKS SOLUTIONS INC COM 83088M102 314 2,056 SH   SOLE   0 0 2,056
SPDR GOLD TR GOLD SHS 78463V107 210 1,175 SH   SOLE   0 0 1,175
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,854 15,657 SH   SOLE   0 0 15,657
SPDR SER TR BLOMBERG BRC INV 78468R200 14,714 481,017 SH   SOLE   0 0 481,017
SPDR SER TR BLOOMBERG SRT TR 78468R408 5 189 SH   SOLE 41,030 0 0 189
SPDR SER TR BLOOMBERG SRT TR 78468R408 26,141 969,978 SH   SOLE   0 0 969,978
SPDR SER TR PORTFOLIO INTRMD 78464A375 5 130 SH   SOLE 41,030 0 0 130
SPDR SER TR PORTFOLIO INTRMD 78464A375 42,293 1,137,517 SH   SOLE   0 0 1,137,517
UNITED PARCEL SERVICE INC CL B 911312106 1,779 10,567 SH   SOLE   0 0 10,567
VANECK VECTORS ETF TR INVT GRADE FLTG 92189F486 8,161 322,711 SH   SOLE   0 0 322,711
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 1 34 SH   SOLE 41,030 0 0 34
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 272 8,161 SH   SOLE   0 0 8,161
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,481 28,134 SH   SOLE   0 0 28,134
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1 10 SH   SOLE 41,030 0 0 10
VANGUARD INDEX FDS LARGE CAP ETF 922908637 3,875 22,049 SH   SOLE   0 0 22,049
VANGUARD INDEX FDS MID CAP ETF 922908629 764 3,697 SH   SOLE   0 0 3,697
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 308 895 SH   SOLE 41,030 0 0 895
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 79,210 230,469 SH   SOLE   0 0 230,469
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8 42 SH   SOLE 41,030 0 0 42
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,693 24,113 SH   SOLE   0 0 24,113
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,628 45,034 SH   SOLE   0 0 45,034
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3 53 SH   SOLE 41,030 0 0 53
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 24,456 488,052 SH   SOLE   0 0 488,052
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 87 1,733 SH   SOLE 41,030 0 0 1,733
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 318 3,274 SH   SOLE   0 0 3,274
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 62,375 1,153,593 SH   SOLE   0 0 1,153,593
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 6 109 SH   SOLE 41,030 0 0 109
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 926 6,556 SH   SOLE   0 0 6,556
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 106 2,254 SH   SOLE 41,030 0 0 2,254
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 49,497 1,048,440 SH   SOLE   0 0 1,048,440
WALMART INC COM 931142103 320 2,223 SH   SOLE   0 0 2,223
WISDOMTREE TR CHINADIV EX FI 97717X719 6,728 102,302 SH   SOLE   0 0 102,302
WISDOMTREE TR EM EX ST-OWNED 97717X578 14,934 376,458 SH   SOLE   0 0 376,458