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 PHYSCL GOLD SHS 00326A104 906 49,561 SH   SOLE   49,561 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 202 1,706 SH   SOLE   1,706 0 0
ALPHABET INC CAP STK CL A 02079K305 307 175 SH   SOLE   175 0 0
AMAZON COM INC COM 023135106 456 140 SH   SOLE   140 0 0
APPLE INC COM 037833100 1,397 10,531 SH   SOLE   10,531 0 0
AUDIOCODES LTD ORD M15342104 223 8,083 SH   SOLE   8,083 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 275 1,186 SH   SOLE   1,186 0 0
BLACKROCK CORE BD TR SHS BEN INT 09249E101 2,749 168,641 SH   SOLE   168,641 0 0
GLOBAL X FDS US PFD ETF 37954Y657 2,059 79,788 SH   SOLE   79,788 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 214 2,137 SH   SOLE   2,137 0 0
GRANITESHARES ETF TR HIPS US HIGH INC 38747R306 527 38,803 SH   SOLE   38,803 0 0
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 1,159 34,759 SH   SOLE   34,759 0 0
INTUIT COM 461202103 490 1,291 SH   SOLE   1,291 0 0
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 293 10,147 SH   SOLE   10,147 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 301 19,746 SH   SOLE   19,746 0 0
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 1,203 40,115 SH   SOLE   40,115 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 595 1,895 SH   SOLE   1,895 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 790 18,829 SH   SOLE   18,829 0 0
ISHARES INC JP MORGAN EM ETF 464286517 355 7,843 SH   SOLE   7,843 0 0
ISHARES INC MSCI EMERG MKT 46434G889 5,383 109,566 SH   SOLE   109,566 0 0
ISHARES INC MSCI EMERG MRKT 464286533 4,157 68,052 SH   SOLE   68,052 0 0
ISHARES INC MSCI GBL GOLD MN 46434G855 887 29,745 SH   SOLE   29,745 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 588 5,635 SH   SOLE   5,635 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 1,673 36,827 SH   SOLE   36,827 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 302 5,982 SH   SOLE   5,982 0 0
ISHARES TR CALIF MUN BD ETF 464288356 1,101 17,521 SH   SOLE   17,521 0 0
ISHARES TR CONV BD ETF 46435G102 691 7,159 SH   SOLE   7,159 0 0
ISHARES TR CORE INTL AGGR 46435G672 750 13,343 SH   SOLE   13,343 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 1,360 18,623 SH   SOLE   18,623 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 535 6,218 SH   SOLE   6,218 0 0
ISHARES TR INTL TREA BD ETF 464288117 354 6,371 SH   SOLE   6,371 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 245 4,432 SH   SOLE   4,432 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 5,742 78,225 SH   SOLE   78,225 0 0
ISHARES TR MSCI INTL MULTFT 46434V274 4,860 178,802 SH   SOLE   178,802 0 0
ISHARES TR MSCI INTL SML CP 46434V266 4,004 120,346 SH   SOLE   120,346 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 6,044 89,043 SH   SOLE   89,043 0 0
ISHARES TR MSCI USA MMENTM 46432F396 697 4,319 SH   SOLE   4,319 0 0
ISHARES TR RUS MD CP GR ETF 464287481 256 2,493 SH   SOLE   2,493 0 0
ISHARES TR USD INV GRDE ETF 464288620 1,715 27,671 SH   SOLE   27,671 0 0
MCDONALDS CORP COM 580135101 314 1,463 SH   SOLE   1,463 0 0
MICROSOFT CORP COM 594918104 1,398 6,285 SH   SOLE   6,285 0 0
ORACLE CORP COM 68389X105 226 3,492 SH   SOLE   3,492 0 0
PIMCO EQUITY SER RAFI ESG US 72201T342 1,421 55,033 SH   SOLE   55,033 0 0
PIMCO ETF TR 25YR+ ZERO U S 72201R882 267 1,635 SH   SOLE   1,635 0 0
QUEST DIAGNOSTICS INC COM 74834L100 396 3,320 SH   SOLE   3,320 0 0
SALESFORCE COM INC COM 79466L302 323 1,452 SH   SOLE   1,452 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,160 37,836 SH   SOLE   37,836 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,835 50,951 SH   SOLE   50,951 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 4,627 79,471 SH   SOLE   79,471 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 1,369 30,227 SH   SOLE   30,227 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 457 10,647 SH   SOLE   10,647 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 3,509 124,162 SH   SOLE   124,162 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 4,263 145,587 SH   SOLE   145,587 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 6,416 184,465 SH   SOLE   184,465 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 601 11,704 SH   SOLE   11,704 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,120 19,997 SH   SOLE   19,997 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,592 28,487 SH   SOLE   28,487 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 859 13,399 SH   SOLE   13,399 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,105 29,103 SH   SOLE   29,103 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,089 81,980 SH   SOLE   81,980 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 488 10,818 SH   SOLE   10,818 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104 624 41,327 SH   SOLE   41,327 0 0
TARGET CORP COM 87612E106 225 1,275 SH   SOLE   1,275 0 0
UBS AG LONDON BRANCH ETRACS UBS BLOOM 90274D390 2,526 165,918 SH   SOLE   165,918 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 483 1,908 SH   SOLE   1,908 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 283 1,454 SH   SOLE   1,454 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 997 5,121 SH   SOLE   5,121 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 204 1,713 SH   SOLE   1,713 0 0
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 4,657 48,586 SH   SOLE   48,586 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 400 2,833 SH   SOLE   2,833 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 997 21,127 SH   SOLE   21,127 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 473 5,166 SH   SOLE   5,166 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 2,459 16,148 SH   SOLE   16,148 0 0
WISDOMTREE TR 90/60 BALNCED FD 97717Y790 3,293 89,977 SH   SOLE   89,977 0 0
WISDOMTREE TR CBOE S&P 500 97717X560 3,255 114,083 SH   SOLE   114,083 0 0