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
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 54,510 641,818 SH   SOLE   0 0 641,818
ISHARES TR CORE MSCI EAFE 46432F842 50,662 733,274 SH   SOLE   0 0 733,274
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 49,743 1,110,838 SH   SOLE   0 0 1,110,838
SPDR SER TR PORTFLI TIPS ETF 78464A656 43,178 1,385,234 SH   SOLE   0 0 1,385,234
ISHARES TR CORE S&P TTL STK 464287150 36,848 427,367 SH   SOLE   0 0 427,367
SPDR S&P 500 ETF TR TR UNIT 78462F103 29,528 78,977 SH   SOLE   0 0 78,977
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 26,886 304,861 SH   SOLE   0 0 304,861
ISHARES TR TIPS BD ETF 464287176 24,111 188,883 SH   SOLE   0 0 188,883
VANGUARD INDEX FDS TOTAL STK MKT 922908769 23,760 122,073 SH   SOLE   0 0 122,073
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 20,977 444,342 SH   SOLE   0 0 444,342
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 20,288 404,870 SH   SOLE   0 0 404,870
ISHARES TR CORE INTL AGGR 46435G672 19,408 345,270 SH   SOLE   0 0 345,270
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 18,912 502,301 SH   SOLE   0 0 502,301
SPDR SER TR PRTFLO S&P500 VL 78464A508 18,509 538,205 SH   SOLE   0 0 538,205
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 17,971 708,065 SH   SOLE   0 0 708,065
SPDR SER TR PORTFOLI S&P1500 78464A805 17,923 388,871 SH   SOLE   0 0 388,871
VANGUARD INDEX FDS MID CAP ETF 922908629 17,599 85,116 SH   SOLE   0 0 85,116
SPDR SER TR PORTFOLIO S&P600 78468R853 15,117 422,254 SH   SOLE   0 0 422,254
ISHARES TR ISHS 1-5YR INVS 464288646 13,052 236,574 SH   SOLE   0 0 236,574
SCHWAB STRATEGIC TR US TIPS ETF 808524870 12,909 207,943 SH   SOLE   0 0 207,943
VANGUARD INDEX FDS VALUE ETF 922908744 12,669 106,501 SH   SOLE   0 0 106,501
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 12,439 368,548 SH   SOLE   0 0 368,548
ISHARES TR EAFE SML CP ETF 464288273 12,105 177,100 SH   SOLE   0 0 177,100
ISHARES TR CALIF MUN BD ETF 464288356 11,960 190,351 SH   SOLE   0 0 190,351
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 10,547 180,140 SH   SOLE   0 0 180,140
ISHARES INC CORE MSCI EMKT 46434G103 8,772 141,387 SH   SOLE   0 0 141,387
ISHARES TR S&P 500 VAL ETF 464287408 8,675 67,765 SH   SOLE   0 0 67,765
ISHARES TR CRE U S REIT ETF 464288521 8,649 178,658 SH   SOLE   0 0 178,658
APPLE INC COM 037833100 8,643 65,136 SH   SOLE   0 0 65,136
FLEXSHARES TR MORNSTAR UPSTR 33939L407 8,396 258,034 SH   SOLE   0 0 258,034
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,752 39,822 SH   SOLE   0 0 39,822
SPDR SER TR PORTFOLIO AGRGTE 78464A649 7,523 244,344 SH   SOLE   0 0 244,344
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 6,705 108,849 SH   SOLE   0 0 108,849
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,839 138,492 SH   SOLE   0 0 138,492
SPDR SER TR SPDR BLOOMBERG 78468R663 5,816 63,552 SH   SOLE   0 0 63,552
ISHARES TR CORE S&P MCP ETF 464287507 5,599 24,363 SH   SOLE   0 0 24,363
SPDR SER TR PORTFOLIO S&P400 78464A847 5,432 134,462 SH   SOLE   0 0 134,462
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 5,197 89,049 SH   SOLE   0 0 89,049
SPDR SER TR BLOMBERG INTL TR 78464A516 5,142 164,647 SH   SOLE   0 0 164,647
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 5,025 141,896 SH   SOLE   0 0 141,896
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,696 39,475 SH   SOLE   0 0 39,475
ISHARES TR 1 3 YR TREAS BD 464287457 4,575 52,967 SH   SOLE   0 0 52,967
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,432 65,004 SH   SOLE   0 0 65,004
ISHARES TR CORE S&P SCP ETF 464287804 4,334 47,160 SH   SOLE   0 0 47,160
ISHARES TR CORE US AGGBD ET 464287226 4,090 34,607 SH   SOLE   0 0 34,607
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,992 110,864 SH   SOLE   0 0 110,864
ISHARES TR CORE S&P500 ETF 464287200 3,509 9,346 SH   SOLE   0 0 9,346
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,014 36,357 SH   SOLE   0 0 36,357
MICROSOFT CORP COM 594918104 2,990 13,445 SH   SOLE   0 0 13,445
ISHARES TR IBOXX HI YD ETF 464288513 2,965 33,967 SH   SOLE   0 0 33,967
ISHARES TR NORTH AMERN NAT 464287374 2,910 124,956 SH   SOLE   0 0 124,956
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,651 44,538 SH   SOLE   0 0 44,538
SEMPRA ENERGY COM 816851109 2,610 20,485 SH   SOLE   0 0 20,485
ISHARES TR S&P MC 400VL ETF 464287705 2,598 30,107 SH   SOLE   0 0 30,107
UNITED PARCEL SERVICE INC CL B 911312106 2,475 14,699 SH   SOLE   0 0 14,699
TESLA INC COM 88160R101 2,216 3,140 SH   SOLE   0 0 3,140
AMAZON COM INC COM 023135106 2,182 670 SH   SOLE   0 0 670
QUALCOMM INC COM 747525103 2,082 13,666 SH   SOLE   0 0 13,666
MVB FINL CORP COM 553810102 1,924 84,824 SH   SOLE   0 0 84,824
ISHARES INC MSCI BRIC INDX 464286657 1,906 36,497 SH   SOLE   0 0 36,497
ISHARES TR SP SMCP600VL ETF 464287879 1,900 23,371 SH   SOLE   0 0 23,371
HOME DEPOT INC COM 437076102 1,887 7,104 SH   SOLE   0 0 7,104
AVALARA INC COM 05338G106 1,869 11,336 SH   SOLE   0 0 11,336
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,858 15,251 SH   SOLE   0 0 15,251
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,850 35,823 SH   SOLE   0 0 35,823
ABBOTT LABS COM 002824100 1,847 16,866 SH   SOLE   0 0 16,866
ABBVIE INC COM 00287Y109 1,812 16,908 SH   SOLE   0 0 16,908
ISHARES INC EM MKT SM-CP ETF 464286475 1,770 33,518 SH   SOLE   0 0 33,518
ISHARES TR INTL TREA BD ETF 464288117 1,748 31,423 SH   SOLE   0 0 31,423
ISHARES TR RUS MDCP VAL ETF 464287473 1,702 17,556 SH   SOLE   0 0 17,556
ISHARES TR RUS 1000 GRW ETF 464287614 1,671 6,929 SH   SOLE   0 0 6,929
MERCK & CO. INC COM 58933Y105 1,607 19,644 SH   SOLE   0 0 19,644
AON PLC SHS CL A G0403H108 1,527 7,230 SH   SOLE   0 0 7,230
ISHARES TR PFD AND INCM SEC 464288687 1,526 39,637 SH   SOLE   0 0 39,637
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,506 27,131 SH   SOLE   0 0 27,131
EDWARDS LIFESCIENCES CORP COM 28176E108 1,492 16,356 SH   SOLE   0 0 16,356
ISHARES TR JPMORGAN USD EMG 464288281 1,485 12,812 SH   SOLE   0 0 12,812
DISNEY WALT CO COM 254687106 1,321 7,289 SH   SOLE   0 0 7,289
ISHARES TR MSCI USA QLT FCT 46432F339 1,303 11,209 SH   SOLE   0 0 11,209
GENERAL DYNAMICS CORP COM 369550108 1,151 7,735 SH   SOLE   0 0 7,735
ISHARES TR RUS 2000 VAL ETF 464287630 1,143 8,675 SH   SOLE   0 0 8,675
JOHNSON & JOHNSON COM 478160104 1,074 6,825 SH   SOLE   0 0 6,825
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,020 4,810 SH   SOLE   0 0 4,810
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,018 26,803 SH   SOLE   0 0 26,803
SPDR SER TR S&P 400 MDCP GRW 78464A821 921 13,289 SH   SOLE   0 0 13,289
LOCKHEED MARTIN CORP COM 539830109 914 2,574 SH   SOLE   0 0 2,574
PFIZER INC COM 717081103 898 24,400 SH   SOLE   0 0 24,400
ISHARES TR RUSSELL 3000 ETF 464287689 863 3,863 SH   SOLE   0 0 3,863
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 854 9,386 SH   SOLE   0 0 9,386
INTEL CORP COM 458140100 841 16,882 SH   SOLE   0 0 16,882
BOEING CO COM 097023105 833 3,892 SH   SOLE   0 0 3,892
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 789 15,346 SH   SOLE   0 0 15,346
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 756 3,260 SH   SOLE   0 0 3,260
VANGUARD INDEX FDS SM CP VAL ETF 922908611 753 5,297 SH   SOLE   0 0 5,297
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 750 13,377 SH   SOLE   0 0 13,377
LEIDOS HOLDINGS INC COM 525327102 721 6,863 SH   SOLE   0 0 6,863
PERKINELMER INC COM 714046109 721 5,025 SH   SOLE   0 0 5,025
CHARTER COMMUNICATIONS INC N CL A 16119P108 720 1,088 SH   SOLE   0 0 1,088
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 713 12,485 SH   SOLE   0 0 12,485
ISHARES TR 0-5 YR TIPS ETF 46429B747 709 6,793 SH   SOLE   0 0 6,793
UNITEDHEALTH GROUP INC COM 91324P102 704 2,006 SH   SOLE   0 0 2,006
INTEGRA LIFESCIENCES HLDGS C COM NEW 457985208 696 10,724 SH   SOLE   0 0 10,724
ISHARES GOLD TRUST ISHARES 464285105 680 37,503 SH   SOLE   0 0 37,503
ISHARES INC MSCI EMERG MKT 46434G889 669 13,626 SH   SOLE   0 0 13,626
ISHARES TR MSCI EAFE ETF 464287465 657 9,001 SH   SOLE   0 0 9,001
VANECK VECTORS ETF TR NAT RES ETF 92189F841 651 16,877 SH   SOLE   0 0 16,877
JUNIPER NETWORKS INC COM 48203R104 637 28,293 SH   SOLE   0 0 28,293
AMEREN CORP COM 023608102 617 7,903 SH   SOLE   0 0 7,903
BAXTER INTL INC COM 071813109 614 7,656 SH   SOLE   0 0 7,656
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 605 19,731 SH   SOLE   0 0 19,731
PNC FINL SVCS GROUP INC COM 693475105 603 4,050 SH   SOLE   0 0 4,050
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 573 1,667 SH   SOLE   0 0 1,667
ISHARES TR RUS 1000 VAL ETF 464287598 568 4,157 SH   SOLE   0 0 4,157
VANGUARD INDEX FDS LARGE CAP ETF 922908637 563 3,203 SH   SOLE   0 0 3,203
ISHARES TR CORE S&P US VLU 464287663 544 8,744 SH   SOLE   0 0 8,744
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 539 3,273 SH   SOLE   0 0 3,273
ALPHABET INC CAP STK CL A 02079K305 538 307 SH   SOLE   0 0 307
SPDR SER TR PRTFLO S&P500 GW 78464A409 514 9,288 SH   SOLE   0 0 9,288
ALPHABET INC CAP STK CL C 02079K107 506 289 SH   SOLE   0 0 289
COSTCO WHSL CORP NEW COM 22160K105 485 1,288 SH   SOLE   0 0 1,288
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 464 2,002 SH   SOLE   0 0 2,002
FIRSTENERGY CORP COM 337932107 461 15,058 SH   SOLE   0 0 15,058
INVESCO QQQ TR UNIT SER 1 46090E103 458 1,459 SH   SOLE   0 0 1,459
ISHARES TR MSCI ACWI ETF 464288257 449 4,952 SH   SOLE   0 0 4,952
LILLY ELI & CO COM 532457108 424 2,512 SH   SOLE   0 0 2,512
BECTON DICKINSON & CO COM 075887109 416 1,661 SH   SOLE   0 0 1,661
WELLS FARGO CO NEW COM 949746101 394 13,045 SH   SOLE   0 0 13,045
MCDONALDS CORP COM 580135101 388 1,809 SH   SOLE   0 0 1,809
BK OF AMERICA CORP COM 060505104 384 12,665 SH   SOLE   0 0 12,665
COLGATE PALMOLIVE CO COM 194162103 383 4,484 SH   SOLE   0 0 4,484
SCIENCE APPLICATIONS INTL CO COM 808625107 373 3,938 SH   SOLE   0 0 3,938
ISHARES TR MBS ETF 464288588 373 3,384 SH   SOLE   0 0 3,384
CATERPILLAR INC COM 149123101 357 1,964 SH   SOLE   0 0 1,964
JPMORGAN CHASE & CO COM 46625H100 340 2,676 SH   SOLE   0 0 2,676
AMGEN INC COM 031162100 338 1,469 SH   SOLE   0 0 1,469
WALMART INC COM 931142103 337 2,337 SH   SOLE   0 0 2,337
PEPSICO INC COM 713448108 328 2,214 SH   SOLE   0 0 2,214
ISHARES TR RUS MD CP GR ETF 464287481 326 3,171 SH   SOLE   0 0 3,171
AT&T INC COM 00206R102 324 11,273 SH   SOLE   0 0 11,273
ISHARES SILVER TR ISHARES 46428Q109 321 13,051 SH   SOLE   0 0 13,051
PHILIP MORRIS INTL INC COM 718172109 321 3,873 SH   SOLE   0 0 3,873
ISHARES TR CORE MSCI TOTAL 46432F834 319 4,751 SH   SOLE   0 0 4,751
ISHARES TR MSCI EMG MKT ETF 464287234 319 6,166 SH   SOLE   0 0 6,166
ANTHEM INC COM 036752103 315 980 SH   SOLE   0 0 980
NORTHROP GRUMMAN CORP COM 666807102 308 1,012 SH   SOLE   0 0 1,012
RAYTHEON TECHNOLOGIES CORP COM 75513E101 305 4,258 SH   SOLE   0 0 4,258
PPL CORP COM 69351T106 302 10,715 SH   SOLE   0 0 10,715
VISA INC COM CL A 92826C839 298 1,361 SH   SOLE   0 0 1,361
PROCTER AND GAMBLE CO COM 742718109 286 2,055 SH   SOLE   0 0 2,055
ADOBE SYSTEMS INCORPORATED COM 00724F101 286 571 SH   SOLE   0 0 571
CLOROX CO DEL COM 189054109 277 1,370 SH   SOLE   0 0 1,370
ISHARES TR U.S. REAL ES ETF 464287739 267 3,122 SH   SOLE   0 0 3,122
SPDR SER TR FTSE INT GVT ETF 78464A490 263 4,482 SH   SOLE   0 0 4,482
EDISON INTL COM 281020107 262 4,174 SH   SOLE   0 0 4,174
SERVICENOW INC COM 81762P102 260 472 SH   SOLE   0 0 472
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 259 2,910 SH   SOLE   0 0 2,910
NVIDIA CORPORATION COM 67066G104 253 484 SH   SOLE   0 0 484
NETFLIX INC COM 64110L106 250 462 SH   SOLE   0 0 462
THERMO FISHER SCIENTIFIC INC COM 883556102 248 533 SH   SOLE   0 0 533
CISCO SYS INC COM 17275R102 246 5,501 SH   SOLE   0 0 5,501
DUPONT DE NEMOURS INC COM 26614N102 244 3,427 SH   SOLE   0 0 3,427
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 235 5,703 SH   SOLE   0 0 5,703
3M CO COM 88579Y101 233 1,336 SH   SOLE   0 0 1,336
NORDSTROM INC COM 655664100 231 7,386 SH   SOLE   0 0 7,386
CVS HEALTH CORP COM 126650100 223 3,271 SH   SOLE   0 0 3,271
ISHARES TR RUS 1000 ETF 464287622 221 1,045 SH   SOLE   0 0 1,045
ISHARES TR RUSSELL 2000 ETF 464287655 220 1,120 SH   SOLE   0 0 1,120
CREDIT SUISSE AG NASSAU BRH LG CAP GRTH ENH 22542D423 220 401 SH   SOLE   0 0 401
BRISTOL-MYERS SQUIBB CO COM 110122108 216 3,487 SH   SOLE   0 0 3,487
ALTRIA GROUP INC COM 02209S103 215 5,255 SH   SOLE   0 0 5,255
RLI CORP COM 749607107 213 2,045 SH   SOLE   0 0 2,045
LABORATORY CORP AMER HLDGS COM NEW 50540R409 212 1,042 SH   SOLE   0 0 1,042
AECOM COM 00766T100 204 4,098 SH   SOLE   0 0 4,098
MASTERCARD INCORPORATED CL A 57636Q104 203 570 SH   SOLE   0 0 570
PIMCO CALIF MUN INCOME FD II COM 72200M108 175 19,387 SH   SOLE   0 0 19,387
NUVEEN CA QUALTY MUN INCOME COM 67066Y105 174 11,491 SH   SOLE   0 0 11,491