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
AFLAC INC COM 001055102 599 11,984 SH   SOLE   11,984 0 0
ALPS ETF TR SPROTT GL MINE 00162Q643 204 10,763 SH   SOLE   10,763 0 0
AMDOCS LTD SHS G02602103 217 4,006 SH   SOLE   4,006 0 0
APPLE INC COM 037833100 605 3,187 SH   SOLE   3,187 0 0
AUDIOCODES LTD ORD M15342104 183 13,195 SH   SOLE   13,195 0 0
BLACKROCK CORE BD TR SHS BEN INT 09249E101 3,654 271,709 SH   SOLE   271,709 0 0
CREDIT SUISSE NASSAU BRH INVRS VIX MDTERM 22542D829 365 4,923 SH   SOLE   4,923 0 0
DISNEY WALT CO COM DISNEY 254687106 213 1,920 SH   SOLE   1,920 0 0
EXXON MOBIL CORP COM 30231G102 294 3,637 SH   SOLE   3,637 0 0
GLOBAL X FDS US PFD ETF 37954Y657 1,291 53,658 SH   SOLE   53,658 0 0
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 1,071 33,557 SH   SOLE   33,557 0 0
INVESCO EXCHNG TRADED FD TR PFD ETF 46138E511 290 19,972 SH   SOLE   19,972 0 0
INVESCO EXCHNG TRADED FD TR S&P EMRNG MKTS 46138E297 254 10,563 SH   SOLE   10,563 0 0
INVESCO EXCHNG TRADED FD TR S&P INTL LOW 46138E230 2,934 89,365 SH   SOLE   89,365 0 0
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 1,177 22,368 SH   SOLE   22,368 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 395 2,200 SH   SOLE   2,200 0 0
ISHARES INC JP MORGAN EM ETF 464286517 572 13,049 SH   SOLE   13,049 0 0
ISHARES INC MIN VOL EMRG MKT 464286533 2,997 50,563 SH   SOLE   50,563 0 0
ISHARES INC MLT FCTR EMG MKT 46434G889 1,573 36,800 SH   SOLE   36,800 0 0
ISHARES INC MSCI GBL GOLD MN 46434G855 631 35,954 SH   SOLE   35,954 0 0
ISHARES TR CALIF MUN BD ETF 464288356 1,206 20,236 SH   SOLE   20,236 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 5,543 76,987 SH   SOLE   76,987 0 0
ISHARES TR MIN VOL USA ETF 46429B697 3,586 60,990 SH   SOLE   60,990 0 0
ISHARES TR MLTFCTR INTL SML 46434V266 681 23,799 SH   SOLE   23,799 0 0
ISHARES TR MULTIFACTOR INTL 46434V274 1,931 73,357 SH   SOLE   73,357 0 0
ISHARES TR MULTIFACTOR USA 46434V282 407 13,116 SH   SOLE   13,116 0 0
ISHARES TR RUS MD CP GR ETF 464287481 226 1,663 SH   SOLE   1,663 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 959 8,551 SH   SOLE   8,551 0 0
MCDONALDS CORP COM 580135101 500 2,632 SH   SOLE   2,632 0 0
MICROSOFT CORP COM 594918104 694 5,887 SH   SOLE   5,887 0 0
ORACLE CORP COM 68389X105 231 4,310 SH   SOLE   4,310 0 0
PENNANTPARK INVT CORP COM 708062104 261 37,777 SH   SOLE   37,777 0 0
PIMCO ETF TR INV GRD CRP BD 72201R817 2,141 20,636 SH   SOLE   20,636 0 0
QUEST DIAGNOSTICS INC COM 74834L100 496 5,515 SH   SOLE   5,515 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,315 50,540 SH   SOLE   50,540 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,564 81,881 SH   SOLE   81,881 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,878 34,914 SH   SOLE   34,914 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 1,152 30,345 SH   SOLE   30,345 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 3,359 121,143 SH   SOLE   121,143 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 3,989 144,637 SH   SOLE   144,637 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,876 92,568 SH   SOLE   92,568 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 400 7,979 SH   SOLE   7,979 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 859 16,563 SH   SOLE   16,563 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,892 27,803 SH   SOLE   27,803 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,964 44,214 SH   SOLE   44,214 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 422 7,676 SH   SOLE   7,676 0 0
SPDR SERIES TRUST BLOMBRG BRC EMRG 78464A391 2,409 89,518 SH   SOLE   89,518 0 0
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 554 15,220 SH   SOLE   15,220 0 0
UBS AG JERSEY BRH CMCI ETN 38 902641778 1,093 73,368 SH   SOLE   73,368 0 0
UBS AG LONDON BRH ETRACS MP2X DJ 90268G607 982 14,402 SH   SOLE   14,402 0 0
UNITED STS COMMODITY INDEX F COMM IDX FND 911717106 699 18,040 SH   SOLE   18,040 0 0
VANGUARD GROUP DIV APP ETF 921908844 311 2,841 SH   SOLE   2,841 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 463 2,960 SH   SOLE   2,960 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 284 2,207 SH   SOLE   2,207 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 222 1,454 SH   SOLE   1,454 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,154 7,976 SH   SOLE   7,976 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 281 2,610 SH   SOLE   2,610 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 507 6,520 SH   SOLE   6,520 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,062 25,974 SH   SOLE   25,974 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 886 7,432 SH   SOLE   7,432 0 0
WELLS FARGO CO NEW COM 949746101 249 5,147 SH   SOLE   5,147 0 0
WISDOMTREE TR 90/60 BALNCED FD 97717Y790 1,008 39,044 SH   SOLE   39,044 0 0
WISDOMTREE TR CBOE S&P 500 97717X560 4,189 155,566 SH   SOLE   155,566 0 0