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
Aberdeen Std Gold ETF TR Physical Swiss Gold Shares SGOL 00326A104 709 38,150 SH   SOLE 38,150 0 0
ALPHABET INC CAP STK CL A 02079K305 915 329 SH   SOLE 329 0 0
ALPHABET INC CAP STK CL C 02079K107 261 93 SH   SOLE 93 0 0
AMAZON COM INC COM 023135106 2,236 686 SH   SOLE 686 0 0
AMGEN INC COM 031162100 362 1,496 SH   SOLE 1,496 0 0
ANNALY CAP MGMT INC COM 035710409 201 28,500 SH   SOLE 28,500 0 0
APPLE INC COM 037833100 5,853 33,521 SH   SOLE 33,521 0 0
ARISTA NETWORKS INC COM 040413106 2,390 17,200 SH   SOLE 17,200 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 234 350 SH   SOLE 350 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 999 2,830 SH   SOLE 2,830 0 0
CATERPILLAR INC DEL COM 149123101 796 3,574 SH   SOLE 3,574 0 0
CISCO SYS INC COM 17275R102 468 8,400 SH   SOLE 8,400 0 0
CVS HEALTH CORP COM 126650100 547 5,401 SH   SOLE 5,401 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 465 4,160 SH   SOLE 4,160 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 761 6,461 SH   SOLE 6,461 0 0
EXXON MOBIL CORP COM 30231G102 235 2,849 SH   SOLE 2,849 0 0
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 249 2,794 SH   SOLE 2,794 0 0
HONEYWELL INTL INC COM 438516106 225 1,154 SH   SOLE 1,154 0 0
INTEL CORP COM 458140100 470 9,475 SH   SOLE 9,475 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 201 1,547 SH   SOLE 1,547 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 4,433 12,227 SH   SOLE 12,227 0 0
ISHARES GOLD TRUST ISHARES 464285105 9,054 245,833 SH   SOLE 245,833 0 0
ISHARES INC MSCI EM ESG OPZ 46434G863 1,339 36,445 SH   SOLE 36,445 0 0
Ishares MSCI Global Gold Miners EFT RING 464286335 348 11,204 SH   SOLE 11,204 0 0
ISHARES TR CALIF MUN BD ETF 464288356 247 4,250 SH   SOLE 4,250 0 0
ISHARES TR COHEN STEER REIT 464287564 1,399 19,708 SH   SOLE 19,708 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 10,510 157,853 SH   SOLE 157,853 0 0
ISHARES TR CORE S&P SCP ETF 464287804 757 7,013 SH   SOLE 7,013 0 0
ISHARES TR CORE S&P US GWT 464287671 1,339 12,677 SH   SOLE 12,677 0 0
ISHARES TR CORE S&P500 ETF 464287200 698 1,539 SH   SOLE 1,539 0 0
ISHARES TR EAFE GRWTH ETF 464288885 288 2,995 SH   SOLE 2,995 0 0
ISHARES TR ETF MSCI USA 46435G425 2,176 21,468 SH   SOLE 21,468 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 979 45,471 SH   SOLE 45,471 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 1,843 21,038 SH   SOLE 21,038 0 0
ISHARES TR JPMORGAN USD EMG 464288281 524 5,360 SH   SOLE 5,360 0 0
ISHARES TR MSCI EAFE ESG OP 46435G516 1,824 24,735 SH   SOLE 24,735 0 0
ISHARES TR MSCI KLD400 SOC 464288570 1,395 16,109 SH   SOLE 16,109 0 0
ISHARES TR MSCI USA ESG SLC 464288802 320 3,301 SH   SOLE 3,301 0 0
ISHARES TR N AMER TECH ETF 464287549 4,571 11,763 SH   SOLE 11,763 0 0
ISHARES TR NASDAQ BIOTECH 464287556 1,602 12,298 SH   SOLE 12,298 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,550 23,254 SH   SOLE 23,254 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 7,301 26,297 SH   SOLE 26,297 0 0
ISHARES TR RUS MD CP GR ETF 464287481 352 3,500 SH   SOLE 3,500 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,807 14,441 SH   SOLE 14,441 0 0
ISHARES TR S&P US PFD STK 464288687 261 7,160 SH   SOLE 7,160 0 0
ISHARES TR SELECT DIVID ETF 464287168 9,056 70,678 SH   SOLE 70,678 0 0
ISHARES TR SHORT TREAS BD 464288679 6,568 59,574 SH   SOLE 59,574 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 994 9,500 SH   SOLE 9,500 0 0
ISHARES TR ULTR SH TRM BD 46434V878 326 6,500 SH   SOLE 6,500 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 1,250 7,431 SH   SOLE 7,431 0 0
ISHARES TR USA QUALITY FCTR 46432F339 802 5,955 SH   SOLE 5,955 0 0
JOHNSON & JOHNSON COM 478160104 1,475 8,321 SH   SOLE 8,321 0 0
LOCKHEED MARTIN CORP COM 539830109 221 501 SH   SOLE 501 0 0
MEDTRONIC PLC SHS G5960L103 315 2,843 SH   SOLE 2,843 0 0
MERCK & CO INC COM 58933Y105 238 2,895 SH   SOLE 2,895 0 0
MICROSOFT CORP COM 594918104 1,715 5,564 SH   SOLE 5,564 0 0
Nestle S A F Sponsored Adr NSRGY 641069406 291 2,235 SH   SOLE 2,235 0 0
NUSHARES ETF TR ESG LARGE CAP 67092P201 481 7,917 SH   SOLE 7,917 0 0
NUSHARES ETF TR ESG SMALL CAP 67092P607 516 12,963 SH   SOLE 12,963 0 0
PEPSICO INC COM 713448108 404 2,414 SH   SOLE 2,414 0 0
PFIZER INC COM 717081103 262 5,057 SH   SOLE 5,057 0 0
PHILIP MORRIS INTL INC COM 718172109 808 8,605 SH   SOLE 8,605 0 0
PROCTER AND GAMBLE CO COM 742718109 644 4,217 SH   SOLE 4,217 0 0
PUBLIC STORAGE COM 74460D109 293 752 SH   SOLE 752 0 0
RIO TINTO PLC SPONSORED ADR 767204100 241 3,000 SH   SOLE 3,000 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 321 8,735 SH   SOLE 8,735 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 239 6,289 SH   SOLE 6,289 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,337 42,298 SH   SOLE 42,298 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,722 44,839 SH   SOLE 44,839 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 244 1,535 SH   SOLE 1,535 0 0
SOUTHERN CO COM 842587107 1,014 13,982 SH   SOLE 13,982 0 0
Spdr Bloomberg Barclays 1-3 Month T-bill Etf BIL 78464A680 247 2,700 SH   SOLE 2,700 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,428 7,903 SH   SOLE 7,903 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,145 4,750 SH   SOLE 4,750 0 0
SPDR SER TR SSGA GNDER ETF 78468R747 203 2,203 SH   SOLE 2,203 0 0
SPDR SERIES TRUST NUV HGHYLD MUN 78464A284 248 4,500 SH   SOLE 4,500 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 1,166 30,395 SH   SOLE 30,395 0 0
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 3,438 41,981 SH   SOLE 41,981 0 0
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 1,532 16,712 SH   SOLE 16,712 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 8,551 109,771 SH   SOLE 109,771 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 8,631 108,511 SH   SOLE 108,511 0 0
VANGUARD GROUP DIV APP ETF 921908844 8,231 50,758 SH   SOLE 50,758 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 61,788 214,839 SH   SOLE 214,839 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 533 2,556 SH   SOLE 2,556 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,743 12,310 SH   SOLE 12,310 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,109 20,772 SH   SOLE 20,772 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,700 11,352 SH   SOLE 11,352 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,183 29,368 SH   SOLE 29,368 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,899 9,392 SH   SOLE 9,392 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,324 30,262 SH   SOLE 30,262 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,897 18,337 SH   SOLE 18,337 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,290 5,666 SH   SOLE 5,666 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 12,979 87,824 SH   SOLE 87,824 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 703 12,215 SH   SOLE 12,215 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,941 63,747 SH   SOLE 63,747 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 652 10,465 SH   SOLE 10,465 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 436 5,894 SH   SOLE 5,894 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,534 69,015 SH   SOLE 69,015 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 402 7,798 SH   SOLE 7,798 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 11,288 131,199 SH   SOLE 131,199 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 8,048 85,919 SH   SOLE 85,919 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 6,165 104,030 SH   SOLE 104,030 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 18,709 239,581 SH   SOLE 239,581 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 21,453 359,098 SH   SOLE 359,098 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,149 23,923 SH   SOLE 23,923 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 392 5,611 SH   SOLE 5,611 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 36,379 324,093 SH   SOLE 324,093 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 3,304 57,765 SH   SOLE 57,765 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 3,009 37,108 SH   SOLE 37,108 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 984 4,179 SH   SOLE 4,179 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 6,539 25,705 SH   SOLE 25,705 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 16,933 40,657 SH   SOLE 40,657 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 350 2,164 SH   SOLE 2,164 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 260 5,108 SH   SOLE 5,108 0 0
WALMART INC COM 931142103 1,011 6,787 SH   SOLE 6,787 0 0