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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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
AMAZON COM INC COM Stock 023135106 826 267 SH   SOLE 0 0 0 267
INVESCO QQQ TRUST ETF 46090E103 326 1,020 SH   SOLE 0 0 0 1,020
STARBUCKS CORP COM Stock 855244109 295 2,697 SH   SOLE 0 0 0 2,696
JOHNSON & JOHNSON COM Stock 478160104 1,066 6,484 SH   SOLE 0 0 0 6,484
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 785 3,797 SH   SOLE 0 0 0 3,797
PROCTER AND GAMBLE CO COM Stock 742718109 256 1,887 SH   SOLE 0 0 0 1,886
VANGUARD REAL ESTATE ETF ETF 922908553 1,786 19,441 SH   SOLE 0 0 0 19,441
INTEL CORP COM Stock 458140100 570 8,914 SH   SOLE 0 0 0 8,913
NETFLIX INC COM Stock 64110L106 455 872 SH   SOLE 0 0 0 872
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 1,156 24,474 SH   SOLE 0 0 0 24,474
SPDR S&P 500 ETF ETF 78462F103 547 1,379 SH   SOLE 0 0 0 1,379
ISHARES TIPS BOND ETF ETF 464287176 435 3,466 SH   SOLE 0 0 0 3,466
ISHARES COHEN & STEERS REIT ETF ETF 464287564 347 6,008 SH   SOLE 0 0 0 6,008
ISHARES S&P/CITIGROUP INTERNATIONAL TREASURY BOND FUND EX-US ETF 464288117 245 4,716 SH   SOLE 0 0 0 4,716
HOME DEPOT INC COM Stock 437076102 645 2,112 SH   SOLE 0 0 0 2,111
INVESCO CALIFORNIA AMT-FREE MUNICIPAL BOND ETF ETF 46138E206 480 17,344 SH   SOLE 0 0 0 17,344
SPDR GOLD SHARES ETF 78463V107 687 4,296 SH   SOLE 0 0 0 4,296
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 967 9,703 SH   SOLE 0 0 0 9,703
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1,433 14,822 SH   SOLE 0 0 0 14,822
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 9,501 252,540 SH   SOLE 0 0 0 252,539
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 4,774 49,717 SH   SOLE 0 0 0 49,717
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 838 12,271 SH   SOLE 0 0 0 12,271
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 13,141 258,916 SH   SOLE 0 0 0 258,916
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1,278 40,802 SH   SOLE 0 0 0 40,802
ISHARES S&P SMALL-CAP FUND ETF 464287804 796 7,331 SH   SOLE 0 0 0 7,330
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,297 5,078 SH   SOLE 0 0 0 5,078
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 619 19,476 SH   SOLE 0 0 0 19,475
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 4,649 56,354 SH   SOLE 0 0 0 56,353
ALPHABET INC CAP STK CL A Stock 02079K305 850 412 SH   SOLE 0 0 0 412
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 408 10,352 SH   SOLE 0 0 0 10,351
MICROSOFT CORP COM Stock 594918104 2,726 11,562 SH   SOLE 0 0 0 11,562
SPDR GOLD MINISHARES TRUST ETF 98149E204 646 38,011 SH   SOLE 0 0 0 38,011
BOEING CO COM Stock 097023105 478 1,875 SH   SOLE 0 0 0 1,875
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 2,887 13,486 SH   SOLE 0 0 0 13,485
VANGUARD MID-CAP INDEX FUND ETF 922908629 2,807 12,681 SH   SOLE 0 0 0 12,680
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 3,495 18,863 SH   SOLE 0 0 0 18,862
TESLA INC COM Stock 88160R101 5,819 8,712 SH   SOLE 0 0 0 8,712
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 702 13,756 SH   SOLE 0 0 0 13,756
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 671 2,935 SH   SOLE 0 0 0 2,934
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 450 8,764 SH   SOLE 0 0 0 8,764
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1,021 15,645 SH   SOLE 0 0 0 15,645
SCHWAB U.S. TIPS ETF ETF 808524870 662 10,821 SH   SOLE 0 0 0 10,821
VANGUARD S&P 500 ETF ETF 922908363 1,925 5,285 SH   SOLE 0 0 0 5,285
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 2,489 44,645 SH   SOLE 0 0 0 44,645
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 835 7,901 SH   SOLE 0 0 0 7,901
SCHWAB U.S. REIT ETF ETF 808524847 2,831 68,908 SH   SOLE 0 0 0 68,908
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 678 9,386 SH   SOLE 0 0 0 9,386
SCHWAB U.S. MID-CAP ETF ETF 808524508 5,354 71,927 SH   SOLE 0 0 0 71,927
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 740 11,894 SH   SOLE 0 0 0 11,894
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3,597 57,369 SH   SOLE 0 0 0 57,369
ISHARES RUSSELL 2000 ETF ETF 464287655 310 1,401 SH   SOLE 0 0 0 1,401
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 399 6,863 SH   SOLE 0 0 0 6,863
ISHARES FLOATING RATE BOND ETF ETF 46429B655 454 8,949 SH   SOLE 0 0 0 8,948
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 2,276 13,746 SH   SOLE 0 0 0 13,746
IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 213 21,718 SH   SOLE 0 0 0 21,718
PIMCO 0-5 YEAR HIGH YIELD CORPORATE BOND INDEX EXCHANGE-TRADED FUND ETF 72201R783 202 2,034 SH   SOLE 0 0 0 2,034
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 1,140 40,605 SH   SOLE 0 0 0 40,605
SCHWAB US AGGREGATE BOND ETF ETF 808524839 2,200 40,778 SH   SOLE 0 0 0 40,778
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 583 9,820 SH   SOLE 0 0 0 9,820
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 730 10,008 SH   SOLE 0 0 0 10,007
VISA INC COM CL A Stock 92826C839 224 1,057 SH   SOLE 0 0 0 1,057
VANGUARD VALUE INDEX FUND ETF 922908744 958 7,284 SH   SOLE 0 0 0 7,284
VANGUARD GROWTH INDEX FUND ETF 922908736 2,953 11,489 SH   SOLE 0 0 0 11,488
FACEBOOK INC CL A Stock 30303M102 2,571 8,729 SH   SOLE 0 0 0 8,729
WP CAREY INC COM REIT 92936U109 1,898 26,827 SH   SOLE 0 0 0 26,826
BROADCOM INC COM Stock 11135F101 414 893 SH   SOLE 0 0 0 892
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 9,760 189,367 SH   SOLE 0 0 0 189,367
ISHARES CORE MSCI EAFE ETF ETF 46432F842 501 6,951 SH   SOLE 0 0 0 6,951
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 440 3,895 SH   SOLE 0 0 0 3,895
SPDR BLOOMBERG BARCLAYS INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 237 7,749 SH   SOLE 0 0 0 7,749
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 3,118 57,022 SH   SOLE 0 0 0 57,022
ISHARES SHORT TREASURY BOND ETF ETF 464288679 798 7,221 SH   SOLE 0 0 0 7,221
PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 466 31,240 SH   SOLE 0 0 0 31,240
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 200 2,365 SH   SOLE 0 0 0 2,365
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1,755 28,924 SH   SOLE 0 0 0 28,924
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 293 2,477 SH   SOLE 0 0 0 2,477
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 415 26,435 SH   SOLE 0 0 0 26,435
QUALCOMM INC COM Stock 747525103 1,130 8,525 SH   SOLE 0 0 0 8,525
ISHARES S&P 500 VALUE ETF ETF 464287408 383 2,713 SH   SOLE 0 0 0 2,713
LULULEMON ATHLETICA INC COM Stock 550021109 827 2,697 SH   SOLE 0 0 0 2,697
ISHARES S&P 500 GROWTH ETF ETF 464287309 210 3,228 SH   SOLE 0 0 0 3,228
ISHARES CORE S&P 500 ETF ETF 464287200 20,830 52,360 SH   SOLE 0 0 0 52,360
LOCKHEED MARTIN CORP COM Stock 539830109 815 2,205 SH   SOLE 0 0 0 2,204
JPMORGAN CHASE & CO COM Stock 46625H100 3,400 22,337 SH   SOLE 0 0 0 22,336
CHEVRON CORP NEW COM Stock 166764100 236 2,251 SH   SOLE 0 0 0 2,251
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 3,124 63,613 SH   SOLE 0 0 0 63,613
BK OF AMERICA CORP COM Stock 060505104 1,013 26,186 SH   SOLE 0 0 0 26,186
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 250 5,083 SH   SOLE 0 0 0 5,083
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 281 2,111 SH   SOLE 0 0 0 2,111
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,274 24,477 SH   SOLE 0 0 0 24,476
PFIZER INC COM Stock 717081103 292 8,047 SH   SOLE 0 0 0 8,047
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 1,019 7,834 SH   SOLE 0 0 0 7,833
CATERPILLAR INC COM Stock 149123101 289 1,247 SH   SOLE 0 0 0 1,246
ALPHABET INC CAP STK CL C Stock 02079K107 424 205 SH   SOLE 0 0 0 205
AMGEN INC COM Stock 031162100 286 1,149 SH   SOLE 0 0 0 1,148
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 533 3,621 SH   SOLE 0 0 0 3,620
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 717 6,302 SH   SOLE 0 0 0 6,302
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 719 13,632 SH   SOLE 0 0 0 13,632
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1,659 20,184 SH   SOLE 0 0 0 20,184
LAM RESEARCH CORP COM Stock 512807108 1,429 2,401 SH   SOLE 0 0 0 2,401
TELADOC HEALTH INC COM Stock 87918A105 916 5,038 SH   SOLE 0 0 0 5,038
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 5,357 151,495 SH   SOLE 0 0 0 151,495
ISHARES S&P MIDCAP FUND ETF 464287507 339 1,303 SH   SOLE 0 0 0 1,302
ISHARES MSCI EAFE ETF ETF 464287465 439 5,783 SH   SOLE 0 0 0 5,783
APPLE INC COM Stock 037833100 12,046 98,613 SH   SOLE 0 0 0 98,613
DISNEY WALT CO COM Stock 254687106 915 4,959 SH   SOLE 0 0 0 4,959