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
AT&T INC COM 00206R102 463 16,106 SH   SOLE   0 0 16,106
ALTRIA GROUP INC COM 02209S103 440 10,740 SH   SOLE   0 0 10,740
APPLE INC COM 037833100 18,669 140,696 SH   SOLE   0 0 140,696
BK OF AMERICA CORP COM 060505104 991 32,681 SH   SOLE   0 0 32,681
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105 828 32,226 SH   SOLE   0 0 32,226
BRISTOL-MYERS SQUIBB CO COM 110122108 832 13,415 SH   SOLE   0 0 13,415
CARRIER GLOBAL CORPORATION COM 14448C104 440 11,672 SH   SOLE   0 0 11,672
CHEVRON CORP NEW COM 166764100 1,050 12,439 SH   SOLE   0 0 12,439
CISCO SYS INC COM 17275R102 546 12,198 SH   SOLE   0 0 12,198
COCA COLA CO COM 191216100 1,145 20,875 SH   SOLE   0 0 20,875
COHEN & STEERS QUALITY INCOM COM 19247L106 316 25,466 SH   SOLE   0 0 25,466
DEVON ENERGY CORP NEW COM 25179M103 1,527 96,601 SH   SOLE   0 0 96,601
EMERSON ELEC CO COM 291011104 1,564 19,454 SH   SOLE   0 0 19,454
ENBRIDGE INC COM 29250N105 604 18,882 SH   SOLE   0 0 18,882
ENTERPRISE PRODS PARTNERS L COM 293792107 433 22,109 SH   SOLE   0 0 22,109
EXELON CORP COM 30161N101 2,046 48,456 SH   SOLE   0 0 48,456
EXXON MOBIL CORP COM 30231G102 507 12,295 SH   SOLE   0 0 12,295
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200 465 21,193 SH   SOLE   0 0 21,193
FORD MTR CO DEL COM 345370860 537 61,061 SH   SOLE   0 0 61,061
INNOVATOR ETFS TR IBD 50 ETF 45782C102 507 12,348 SH   SOLE   0 0 12,348
INTEL CORP COM 458140100 1,067 21,419 SH   SOLE   0 0 21,419
INVESCO CALIF MUN INCOME TR COM 46132P108 225 14,352 SH   SOLE   0 0 14,352
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 2,352 15,581 SH   SOLE   0 0 15,581
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 18,053 321,063 SH   SOLE   0 0 321,063
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 313 14,794 SH   SOLE   0 0 14,794
GOLD TRUST ISHARES 464285105 266 14,668 SH   SOLE   0 0 14,668
ISHARES INC JP MRGN EM HI BD 464286285 1,011 21,813 SH   SOLE   0 0 21,813
ISHARES TR CORE S&P TTL STK 464287150 21,347 247,582 SH   SOLE   0 0 247,582
ISHARES TR SELECT DIVID ETF 464287168 1,597 16,607 SH   SOLE   0 0 16,607
ISHARES TR CORE S&P500 ETF 464287200 33,604 89,517 SH   SOLE   0 0 89,517
ISHARES TR CORE US AGGBD ET 464287226 109,106 923,139 SH   SOLE   0 0 923,139
ISHARES TR MSCI EMG MKT ETF 464287234 2,906 56,237 SH   SOLE   0 0 56,237
ISHARES TR S&P 500 GRWT ETF 464287309 96,658 1,514,546 SH   SOLE   0 0 1,514,546
ISHARES TR S&P 500 VAL ETF 464287408 92,078 719,250 SH   SOLE   0 0 719,250
ISHARES TR 20 YR TR BD ETF 464287432 2,277 14,438 SH   SOLE   0 0 14,438
ISHARES TR 1 3 YR TREAS BD 464287457 5,512 63,808 SH   SOLE   0 0 63,808
ISHARES TR MSCI EAFE ETF 464287465 4,381 60,050 SH   SOLE   0 0 60,050
ISHARES TR RUS MID CAP ETF 464287499 1,110 16,193 SH   SOLE   0 0 16,193
ISHARES TR CORE S&P MCP ETF 464287507 46,641 202,935 SH   SOLE   0 0 202,935
ISHARES TR RUS 1000 VAL ETF 464287598 5,007 36,618 SH   SOLE   0 0 36,618
ISHARES TR RUS 1000 GRW ETF 464287614 8,694 36,054 SH   SOLE   0 0 36,054
ISHARES TR RUSSELL 2000 ETF 464287655 2,923 14,908 SH   SOLE   0 0 14,908
ISHARES TR U.S. ENERGY ETF 464287796 217 10,708 SH   SOLE 0 0 0 10,708
ISHARES TR CORE S&P SCP ETF 464287804 28,105 305,823 SH   SOLE 0 0 0 305,823
ISHARES TR SHRT NAT MUN ETF 464288158 7,757 71,754 SH   SOLE 0 0 0 71,754
ISHARES TR JPMORGAN USD EMG 464288281 23,042 198,791 SH   SOLE 0 0 0 198,791
ISHARES TR NATIONAL MUN ETF 464288414 118,152 1,008,123 SH   SOLE 0 0 0 1,008,123
ISHARES TR INTL SEL DIV ETF 464288448 1,260 42,766 SH   SOLE 0 0 0 42,766
ISHARES TR MBS ETF 464288588 4,719 42,852 SH   SOLE 0 0 0 42,852
ISHARES TR USD INV GRDE ETF 464288620 10,224 164,977 SH   SOLE 0 0 0 164,977
ISHARES TR ISHS 1-5YR INVS 464288646 4,984 90,334 SH   SOLE 0 0 0 90,334
ISHARES TR 3 7 YR TREAS BD 464288661 1,385 10,414 SH   SOLE 0 0 0 10,414
ISHARES TR SHORT TREAS BD 464288679 1,263 11,428 SH   SOLE 0 0 0 11,428
ISHARES TR PFD AND INCM SEC 464288687 9,968 258,855 SH   SOLE 0 0 0 258,855
ISHARES TR EAFE VALUE ETF 464288877 690 14,628 SH   SOLE 0 0 0 14,628
ISHARES TR US TREAS BD ETF 46429B267 10,155 372,784 SH   SOLE 0 0 0 372,784
ISHARES TR FLTG RATE NT ETF 46429B655 4,934 97,276 SH   SOLE 0 0 0 97,276
ISHARES TR CORE HIGH DV ETF 46429B663 1,736 19,797 SH   SOLE 0 0 0 19,797
ISHARES TR MSCI EAFE MIN VL 46429B689 19,244 262,137 SH   SOLE 0 0 0 262,137
ISHARES TR MSCI USA MIN VOL 46429B697 8,223 121,133 SH   SOLE 0 0 0 121,133
ISHARES U S ETF TR INT RT HDG C B 46431W705 2,014 21,085 SH   SOLE 0 0 0 21,085
ISHARES TR MSCI USA QLT FCT 46432F339 132,028 1,136,119 SH   SOLE 0 0 0 1,136,119
ISHARES TR CORE MSCI TOTAL 46432F834 22,867 340,326 SH   SOLE 0 0 0 340,326
ISHARES TR CORE MSCI EAFE 46432F842 111,649 1,615,995 SH   SOLE 0 0 0 1,615,995
ISHARES INC CORE MSCI EMKT 46434G103 39,917 643,410 SH   SOLE 0 0 0 643,410
ISHARES INC ESG AWR MSCI EM 46434G863 4,259 101,459 SH   SOLE 0 0 0 101,459
ISHARES TR 0-5YR HI YL CP 46434V407 3,627 79,814 SH   SOLE 0 0 0 79,814
ISHARES TR MSCI INTL QUALTY 46434V456 48,861 1,370,186 SH   SOLE 0 0 0 1,370,186
ISHARES TR CORE DIV GRWTH 46434V621 9,060 202,142 SH   SOLE 0 0 0 202,142
ISHARES TR HDG MSCI EAFE 46434V803 790 25,925 SH   SOLE 0 0 0 25,925
ISHARES TR BLACKROCK ULTRA 46434V878 18,306 362,347 SH   SOLE 0 0 0 362,347
ISHARES TR IBONDS DEC23 ETF 46434VAX8 2,559 97,423 SH   SOLE 0 0 0 97,423
ISHARES TR IBONDS DEC22 ETF 46434VBA7 3,222 126,018 SH   SOLE 0 0 0 126,018
ISHARES TR IBONDS DEC25 ETF 46434VBD1 2,050 74,888 SH   SOLE 0 0 0 74,888
ISHARES TR IBONDS DEC24 ETF 46434VBG4 2,148 80,827 SH   SOLE 0 0 0 80,827
ISHARES TR IBONDS DEC21 ETF 46434VBK5 3,016 121,093 SH   SOLE 0 0 0 121,093
ISHARES TR IBONDS DEC2023 46435G318 3,045 116,282 SH   SOLE 0 0 0 116,282
ISHARES TR IBONDS DEC2022 46435G755 3,873 146,910 SH   SOLE 0 0 0 146,910
ISHARES TR IBONDS DEC2021 46435G789 5,393 209,234 SH   SOLE 0 0 0 209,234
ISHARES TR IBONDS DEC2026 46435GAA0 1,744 64,369 SH   SOLE 0 0 0 64,369
ISHARES TR ESG MSCI LEADR 46435U218 917 14,122 SH   SOLE 0 0 0 14,122
ISHARES TR IBONDS DEC 26 46435U259 1,909 70,468 SH   SOLE 0 0 0 70,468
ISHARES TR IBONDS DEC 27 46435U283 1,224 44,815 SH   SOLE 0 0 0 44,815
ISHARES TR IBONDS DEC 28 46435U325 2,068 74,921 SH   SOLE 0 0 0 74,921
ISHARES TR IBONDS DEC 25 46435U432 1,279 45,387 SH   SOLE 0 0 0 45,387
ISHARES TR IBDS DEC28 ETF 46435U515 906 30,665 SH   SOLE 0 0 0 30,665
ISHARES TR ESG AWR US AGRGT 46435U549 684 12,089 SH   SOLE 0 0 0 12,089
ISHARES TR IBONDS DEC 46435U697 1,502 55,457 SH   SOLE 0 0 0 55,457
ISHARES TR IBONDS 27 ETF 46435UAA9 977 35,454 SH   SOLE 0 0 0 35,454
ISHARES TR IBONDS DEC 29 46436E205 549 19,973 SH   SOLE 0 0 0 19,973
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 38,018 744,864 SH   SOLE 0 0 0 744,864
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 63,488 1,250,018 SH   SOLE 0 0 0 1,250,018
KIRKLAND LAKE GOLD LTD COM 49741E100 442 10,712 SH   SOLE 0 0 0 10,712
MARATHON PETE CORP COM 56585A102 436 10,544 SH   SOLE 0 0 0 10,544
MATTHEWS INTL CORP CL A 577128101 375 12,771 SH   SOLE 0 0 0 12,771
MERCK & CO. INC COM 58933Y105 2,194 26,822 SH   SOLE 0 0 0 26,822
MICROSOFT CORP COM 594918104 9,018 40,543 SH   SOLE 0 0 0 40,543
MONDELEZ INTL INC CL A 609207105 656 11,224 SH   SOLE 0 0 0 11,224
MULTIPLAN CORPORATION COM 62548M100 200 25,000 SH   SOLE 0 0 0 25,000
NEXTERA ENERGY INC COM 65339F101 1,443 18,708 SH   SOLE 0 0 0 18,708
NUVEEN AMT FREE QLTY MUN INC COM 670657105 3,382 223,991 SH   SOLE 0 0 0 223,991
NUVEEN QUALITY MUNCP INCOME COM 67066V101 5,328 346,618 SH   SOLE 0 0 0 346,618
NUVEEN MUN HIGH INCOME OPPOR COM 670682103 3,703 256,807 SH   SOLE 0 0 0 256,807
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101 708 43,914 SH   SOLE 0 0 0 43,914
NUVEEN AMT FREE MUN CR INC F COM 67071L106 1,096 65,339 SH   SOLE 0 0 0 65,339
NUVEEN MUN VALUE FD INC COM 670928100 723 65,142 SH   SOLE 0 0 0 65,142
ORACLE CORP COM 68389X105 679 10,493 SH   SOLE 0 0 0 10,493
PG&E CORP COM 69331C108 374 30,038 SH   SOLE 0 0 0 30,038
PFIZER INC COM 717081103 550 14,931 SH   SOLE 0 0 0 14,931
PIONEER MUN HIGH INCOME ADVA COM 723762100 2,009 172,486 SH   SOLE 0 0 0 172,486
PIONEER MUN HIGH INCOME TR COM SHS 723763108 2,267 182,220 SH   SOLE 0 0 0 182,220
PROCTER AND GAMBLE CO COM 742718109 2,628 18,886 SH   SOLE 0 0 0 18,886
PROSHARES TR S&P 500 DV ARIST 74348A467 52,944 662,792 SH   SOLE 0 0 0 662,792
ROCKWELL AUTOMATION INC COM 773903109 8,830 35,204 SH   SOLE 0 0 0 35,204
SBA COMMUNICATIONS CORP NEW CL A 78410G104 3,275 11,607 SH   SOLE 0 0 0 11,607
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,506 17,401 SH   SOLE 0 0 0 17,401
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 24,933 901,736 SH   SOLE 0 0 0 901,736
SPDR SER TR BLOMBRG BRC INTL 78464A151 5,958 157,210 SH   SOLE 0 0 0 157,210
SPDR SER TR PRTFLO S&P500 GW 78464A409 18,601 336,424 SH   SOLE 0 0 0 336,424
SPDR SER TR S&P DIVID ETF 78464A763 7,363 69,510 SH   SOLE 0 0 0 69,510
SPDR SER TR NUVEEN BRC MUNIC 78468R721 19,098 363,847 SH   SOLE 0 0 0 363,847
SPDR SER TR NUVEEN BLMBRG SR 78468R739 2,646 53,144 SH   SOLE 0 0 0 53,144
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 50,465 554,622 SH   SOLE 0 0 0 554,622
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,212 13,321 SH   SOLE 0 0 0 13,321
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 31,988 249,110 SH   SOLE 0 0 0 249,110
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 25,993 436,642 SH   SOLE 0 0 0 436,642
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,016 14,901 SH   SOLE 0 0 0 14,901
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,691 55,161 SH   SOLE 0 0 0 55,161
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 719 24,571 SH   SOLE 0 0 0 24,571
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 11,854 329,191 SH   SOLE 0 0 0 329,191
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 26,827 478,799 SH   SOLE 0 0 0 478,799
SCHWAB STRATEGIC TR US REIT ETF 808524847 562 14,806 SH   SOLE 0 0 0 14,806
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,495 39,796 SH   SOLE 0 0 0 39,796
STARBUCKS CORP COM 855244109 1,532 14,325 SH   SOLE 0 0 0 14,325
UNITED STS COMMODITY INDEX F COMM IDX FND 911717106 1,004 30,719 SH   SOLE 0 0 0 30,719
VANECK VECTORS ETF TR SHRT HGH YLD MUN 92189F387 2,356 95,002 SH   SOLE 0 0 0 95,002
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 47,538 336,741 SH   SOLE 0 0 0 336,741
VANGUARD STAR FDS VG TL INTL STK F 921909768 871 14,477 SH   SOLE 0 0 0 14,477
VANGUARD WORLD FD ESG US STK ETF 921910733 958 13,648 SH   SOLE 0 0 0 13,648
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,753 21,149 SH   SOLE 0 0 0 21,149
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,187 36,138 SH   SOLE 0 0 0 36,138
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 18,871 399,735 SH   SOLE 0 0 0 399,735
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 893 15,254 SH   SOLE 0 0 0 15,254
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 4,074 44,000 SH   SOLE 0 0 0 44,000
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 71,972 1,233,234 SH   SOLE 0 0 0 1,233,234
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,585 51,593 SH   SOLE 0 0 0 51,593
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 1,475 18,535 SH   SOLE 0 0 0 18,535
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 29,084 482,804 SH   SOLE 0 0 0 482,804
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 997 11,974 SH   SOLE 0 0 0 11,974
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 22,263 200,440 SH   SOLE 0 0 0 200,440
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 33,120 345,507 SH   SOLE 0 0 0 345,507
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 28,347 291,821 SH   SOLE 0 0 0 291,821
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 37,713 683,335 SH   SOLE 0 0 0 683,335
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 88,321 256,979 SH   SOLE 0 0 0 256,979
VANGUARD INDEX FDS GROWTH ETF 922908736 4,105 16,202 SH   SOLE 0 0 0 16,202
VANGUARD INDEX FDS VALUE ETF 922908744 3,306 27,793 SH   SOLE 0 0 0 27,793
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,306 16,987 SH   SOLE 0 0 0 16,987
VERIZON COMMUNICATIONS INC COM 92343V104 716 12,195 SH   SOLE 0 0 0 12,195
WALGREENS BOOTS ALLIANCE INC COM 931427108 417 10,455 SH   SOLE 0 0 0 10,455
WELLS FARGO CO NEW COM 949746101 314 10,418 SH   SOLE 0 0 0 10,418
WHEATON PRECIOUS METALS CORP COM 962879102 496 11,888 SH   SOLE 0 0 0 11,888
WISDOMTREE TR US MIDCAP DIVID 97717W505 2,236 64,248 SH   SOLE 0 0 0 64,248