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 884 269 SH   SOLE 0 0 0 269
INVESCO QQQ TRUST ETF 46090E103 365 1,021 SH   SOLE 0 0 0 1,020
STARBUCKS CORP COM Stock 855244109 294 2,661 SH   SOLE 0 0 0 2,661
STARBUCKS CORP COM Stock 855244109 22 200 SH Call SOLE 0 0 0 200
JOHNSON & JOHNSON COM Stock 478160104 1,208 7,480 SH   SOLE 0 0 0 7,479
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 824 3,712 SH   SOLE 0 0 0 3,712
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 213 3,218 SH   SOLE 0 0 0 3,218
COSTCO WHSL CORP NEW COM Stock 22160K105 253 563 SH   SOLE 0 0 0 563
PROCTER AND GAMBLE CO COM Stock 742718109 293 2,098 SH   SOLE 0 0 0 2,098
VANGUARD REAL ESTATE ETF ETF 922908553 1,906 18,725 SH   SOLE 0 0 0 18,725
INTEL CORP COM Stock 458140100 604 11,330 SH   SOLE 0 0 0 11,330
NETFLIX INC COM Stock 64110L106 496 812 SH   SOLE 0 0 0 812
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 1,277 25,002 SH   SOLE 0 0 0 25,002
SPDR S&P 500 ETF ETF 78462F103 641 1,494 SH   SOLE 0 0 0 1,494
ISHARES TIPS BOND ETF ETF 464287176 415 3,249 SH   SOLE 0 0 0 3,249
ISHARES COHEN & STEERS REIT ETF ETF 464287564 393 6,008 SH   SOLE 0 0 0 6,008
ISHARES S&P/CITIGROUP INTERNATIONAL TREASURY BOND FUND EX-US ETF 464288117 242 4,716 SH   SOLE 0 0 0 4,716
HOME DEPOT INC COM Stock 437076102 760 2,314 SH   SOLE 0 0 0 2,314
INVESCO CALIFORNIA AMT-FREE MUNICIPAL BOND ETF ETF 46138E206 233 8,384 SH   SOLE 0 0 0 8,384
SPDR GOLD SHARES ETF 78463V107 741 4,513 SH   SOLE 0 0 0 4,513
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 820 8,192 SH   SOLE 0 0 0 8,192
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1,563 15,048 SH   SOLE 0 0 0 15,048
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 9,780 252,719 SH   SOLE 0 0 0 252,718
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 4,956 47,642 SH   SOLE 0 0 0 47,642
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 880 12,779 SH   SOLE 0 0 0 12,779
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 12,777 251,912 SH   SOLE 0 0 0 251,912
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1,208 38,666 SH   SOLE 0 0 0 38,666
ISHARES S&P SMALL-CAP FUND ETF 464287804 771 7,058 SH   SOLE 0 0 0 7,058
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,395 5,112 SH   SOLE 0 0 0 5,112
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 582 19,098 SH   SOLE 0 0 0 19,097
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 5,456 66,208 SH   SOLE 0 0 0 66,208
ALPHABET INC CAP STK CL A Stock 02079K305 1,318 493 SH   SOLE 0 0 0 493
INTUIT COM Stock 461202103 238 441 SH   SOLE 0 0 0 441
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 403 9,702 SH   SOLE 0 0 0 9,701
MICROSOFT CORP COM Stock 594918104 3,114 11,044 SH   SOLE 0 0 0 11,044
SPDR GOLD MINISHARES TRUST ETF 98149E204 865 49,530 SH   SOLE 0 0 0 49,530
BOEING CO COM Stock 097023105 432 1,962 SH   SOLE 0 0 0 1,961
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 2,913 13,322 SH   SOLE 0 0 0 13,322
VANGUARD MID-CAP INDEX FUND ETF 922908629 2,987 12,617 SH   SOLE 0 0 0 12,616
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 3,667 18,252 SH   SOLE 0 0 0 18,251
TESLA INC COM Stock 88160R101 7,269 9,374 SH   SOLE 0 0 0 9,374
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 643 12,584 SH   SOLE 0 0 0 12,584
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 712 2,881 SH   SOLE 0 0 0 2,880
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 204 5,442 SH   SOLE 0 0 0 5,442
MODERNA INC COM Stock 60770K107 267 695 SH   SOLE 0 0 0 695
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 260 5,081 SH   SOLE 0 0 0 5,081
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1,362 20,181 SH   SOLE 0 0 0 20,181
SCHWAB U.S. TIPS ETF ETF 808524870 743 11,870 SH   SOLE 0 0 0 11,870
VANGUARD S&P 500 ETF ETF 922908363 2,402 6,091 SH   SOLE 0 0 0 6,091
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 2,745 48,741 SH   SOLE 0 0 0 48,740
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 792 7,498 SH   SOLE 0 0 0 7,498
SCHWAB U.S. REIT ETF ETF 808524847 3,414 74,748 SH   SOLE 0 0 0 74,748
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 1,702 22,509 SH   SOLE 0 0 0 22,509
SCHWAB U.S. MID-CAP ETF ETF 808524508 6,058 79,024 SH   SOLE 0 0 0 79,024
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 1,118 17,300 SH   SOLE 0 0 0 17,300
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3,647 57,650 SH   SOLE 0 0 0 57,650
ISHARES RUSSELL 2000 ETF ETF 464287655 306 1,401 SH   SOLE 0 0 0 1,401
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 430 7,071 SH   SOLE 0 0 0 7,071
ISHARES FLOATING RATE BOND ETF ETF 46429B655 455 8,949 SH   SOLE 0 0 0 8,948
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 1,985 11,729 SH   SOLE 0 0 0 11,729
IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 135 21,718 SH   SOLE 0 0 0 21,718
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 2,061 75,620 SH   SOLE 0 0 0 75,620
SCHWAB US AGGREGATE BOND ETF ETF 808524839 2,205 40,636 SH   SOLE 0 0 0 40,635
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 589 9,820 SH   SOLE 0 0 0 9,820
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 1,104 14,866 SH   SOLE 0 0 0 14,866
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 1,967 39,222 SH   SOLE 0 0 0 39,222
VISA INC COM CL A Stock 92826C839 250 1,120 SH   SOLE 0 0 0 1,120
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 247 9,315 SH   SOLE 0 0 0 9,314
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 4,291 96,648 SH   SOLE 0 0 0 96,647
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880 1,154 44,609 SH   SOLE 0 0 0 44,609
VANGUARD VALUE INDEX FUND ETF 922908744 1,405 10,379 SH   SOLE 0 0 0 10,379
VANGUARD GROWTH INDEX FUND ETF 922908736 3,335 11,492 SH   SOLE 0 0 0 11,492
SPDR BLOOMBERG SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 834 30,439 SH   SOLE 0 0 0 30,439
ISHARES MICRO-CAP ETF ETF 464288869 230 1,597 SH   SOLE 0 0 0 1,597
FACEBOOK INC CL A Stock 30303M102 3,021 8,900 SH   SOLE 0 0 0 8,900
WP CAREY INC COM REIT 92936U109 2,173 29,751 SH   SOLE 0 0 0 29,750
BROADCOM INC COM Stock 11135F101 445 917 SH   SOLE 0 0 0 917
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 11,575 220,134 SH   SOLE 0 0 0 220,134
ISHARES CORE MSCI EAFE ETF ETF 46432F842 498 6,711 SH   SOLE 0 0 0 6,710
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 451 3,843 SH   SOLE 0 0 0 3,843
NVIDIA CORPORATION COM Stock 67066G104 286 1,381 SH   SOLE 0 0 0 1,381
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 3,462 63,352 SH   SOLE 0 0 0 63,351
PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 397 25,764 SH   SOLE 0 0 0 25,764
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 211 2,467 SH   SOLE 0 0 0 2,467
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1,705 27,971 SH   SOLE 0 0 0 27,971
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 258 2,311 SH   SOLE 0 0 0 2,311
PALATIN TECHNOLOGIES INC COM PAR $ .01 Stock 696077403 5 10,760 SH   SOLE 0 0 0 10,760
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 406 23,096 SH   SOLE 0 0 0 23,096
QUALCOMM INC COM Stock 747525103 1,146 8,885 SH   SOLE 0 0 0 8,884
ISHARES S&P 500 VALUE ETF ETF 464287408 395 2,713 SH   SOLE 0 0 0 2,713
LULULEMON ATHLETICA INC COM Stock 550021109 1,091 2,697 SH   SOLE 0 0 0 2,697
ISHARES S&P 500 GROWTH ETF ETF 464287309 239 3,228 SH   SOLE 0 0 0 3,228
ISHARES CORE S&P 500 ETF ETF 464287200 22,888 53,127 SH   SOLE 0 0 0 53,126
LOCKHEED MARTIN CORP COM Stock 539830109 527 1,528 SH   SOLE 0 0 0 1,528
JPMORGAN CHASE & CO COM Stock 46625H100 3,820 23,334 SH   SOLE 0 0 0 23,334
CHEVRON CORP NEW COM Stock 166764100 314 3,095 SH   SOLE 0 0 0 3,095
CHEVRON CORP NEW COM Stock 166764100 20 200 SH Call SOLE 0 0 0 200
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 3,172 62,830 SH   SOLE 0 0 0 62,830
BK OF AMERICA CORP COM Stock 060505104 1,149 27,072 SH   SOLE 0 0 0 27,072
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 269 5,083 SH   SOLE 0 0 0 5,083
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 305 2,192 SH   SOLE 0 0 0 2,191
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,198 23,951 SH   SOLE 0 0 0 23,951
TARGET CORP COM Stock 87612E106 235 1,028 SH   SOLE 0 0 0 1,028
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 251 2,431 SH   SOLE 0 0 0 2,431
PFIZER INC COM Stock 717081103 877 20,385 SH   SOLE 0 0 0 20,384
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 995 7,483 SH   SOLE 0 0 0 7,482
CATERPILLAR INC COM Stock 149123101 271 1,412 SH   SOLE 0 0 0 1,411
ALPHABET INC CAP STK CL C Stock 02079K107 546 205 SH   SOLE 0 0 0 205
AMGEN INC COM Stock 031162100 247 1,160 SH   SOLE 0 0 0 1,159
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 791 5,151 SH   SOLE 0 0 0 5,151
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 711 6,189 SH   SOLE 0 0 0 6,189
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 726 13,632 SH   SOLE 0 0 0 13,632
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1,623 19,805 SH   SOLE 0 0 0 19,805
LAM RESEARCH CORP COM Stock 512807108 1,377 2,419 SH   SOLE 0 0 0 2,418
TELADOC HEALTH INC COM Stock 87918A105 499 3,935 SH   SOLE 0 0 0 3,935
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 6,979 192,733 SH   SOLE 0 0 0 192,733
ISHARES S&P MIDCAP FUND ETF 464287507 323 1,227 SH   SOLE 0 0 0 1,226
ISHARES MSCI EAFE ETF ETF 464287465 451 5,783 SH   SOLE 0 0 0 5,783
APPLE INC COM Stock 037833100 14,412 101,849 SH   SOLE 0 0 0 101,849
DISNEY WALT CO COM Stock 254687106 839 4,959 SH   SOLE 0 0 0 4,959