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
SPDR SERIES TRUST PORTFLI TIPS ETF 78464A656 48,626 1,704,976 SH   SOLE 0 0 0 1,704,976
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 43,199 463,264 SH   SOLE 0 0 0 463,264
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 37,411 868,615 SH   SOLE 0 0 0 868,615
ISHARES TR CORE INTL AGGR 46435G672 26,924 482,596 SH   SOLE 0 0 0 482,596
ISHARES TR TIPS BD ETF 464287176 23,761 204,322 SH   SOLE 0 0 0 204,322
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 19,486 530,380 SH   SOLE 0 0 0 530,380
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 19,138 651,839 SH   SOLE 0 0 0 651,839
FIDELITY COVINGTON TR MSCI RL EST ETF 316092857 18,033 646,333 SH   SOLE 0 0 0 646,333
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 17,262 420,214 SH   SOLE 0 0 0 420,214
VANGUARD INDEX FDS TOTAL STK MKT 922908769 14,786 97,918 SH   SOLE 0 0 0 97,918
ISHARES TR CORE MSCI EAFE 46432F842 12,411 203,225 SH   SOLE 0 0 0 203,225
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 12,404 418,473 SH   SOLE 0 0 0 418,473
ISHARES TR CALIF MUN BD ETF 464288356 12,251 199,924 SH   SOLE 0 0 0 199,924
VANGUARD INDEX FDS VALUE ETF 922908744 11,720 105,000 SH   SOLE 0 0 0 105,000
ISHARES TR CRE U S REIT ETF 464288521 10,977 197,597 SH   SOLE 0 0 0 197,597
ISHARES TR EAFE SML CP ETF 464288273 9,904 173,048 SH   SOLE 0 0 0 173,048
ISHARES TR S&P 500 VAL ETF 464287408 9,871 82,851 SH   SOLE 0 0 0 82,851
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 9,730 304,428 SH   SOLE 0 0 0 304,428
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 8,723 257,403 SH   SOLE 0 0 0 257,403
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 8,718 85,510 SH   SOLE 0 0 0 85,510
ISHARES TR CORE S&P TTL STK 464287150 8,361 124,657 SH   SOLE 0 0 0 124,657
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 8,315 73,581 SH   SOLE 0 0 0 73,581
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 7,805 265,555 SH   SOLE 0 0 0 265,555
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 7,729 225,453 SH   SOLE 0 0 0 225,453
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7,262 145,538 SH   SOLE 0 0 0 145,538
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 6,972 232,403 SH   SOLE 0 0 0 232,403
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 6,798 236,876 SH   SOLE 0 0 0 236,876
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,076 150,907 SH   SOLE 0 0 0 150,907
ISHARES TR S&P MC 400VL ETF 464287705 5,326 33,309 SH   SOLE 0 0 0 33,309
ISHARES TR NORTH AMERN NAT 464287374 5,025 172,785 SH   SOLE 0 0 0 172,785
ISHARES TR CORE S&P500 ETF 464287200 4,177 13,991 SH   SOLE 0 0 0 13,991
APPLE INC COM 037833100 3,842 17,155 SH   SOLE 0 0 0 17,155
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 3,801 45,018 SH   SOLE 0 0 0 45,018
ISHARES INC CORE MSCI EMKT 46434G103 3,784 77,195 SH   SOLE 0 0 0 77,195
ISHARES TR CORE US AGGBD ET 464287226 3,698 32,679 SH   SOLE 0 0 0 32,679
ISHARES TR SP SMCP600VL ETF 464287879 3,599 23,965 SH   SOLE 0 0 0 23,965
ISHARES TR INTL TREA BD ETF 464288117 3,456 68,478 SH   SOLE 0 0 0 68,478
ISHARES INC MSCI BRIC INDX 464286657 3,384 83,666 SH   SOLE 0 0 0 83,666
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,296 25,583 SH   SOLE 0 0 0 25,583
ISHARES TR CORE MSCI TOTAL 46432F834 3,191 55,252 SH   SOLE 0 0 0 55,252
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 2,813 54,816 SH   SOLE 0 0 0 54,816
SEMPRA ENERGY COM 816851109 2,792 18,914 SH   SOLE 0 0 0 18,914
ISHARES TR CORE S&P MCP ETF 464287507 2,658 13,755 SH   SOLE 0 0 0 13,755
ISHARES TR 1 3 YR TREAS BD 464287457 2,587 30,504 SH   SOLE 0 0 0 30,504
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,565 16,670 SH   SOLE 0 0 0 16,670
ISHARES TR RUS MDCP VAL ETF 464287473 2,559 28,526 SH   SOLE 0 0 0 28,526
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,837 57,669 SH   SOLE 0 0 0 57,669
UNITED PARCEL SERVICE INC CL B 911312106 1,761 14,699 SH   SOLE 0 0 0 14,699
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,676 31,131 SH   SOLE 0 0 0 31,131
MERCK & CO INC COM 58933Y105 1,647 19,561 SH   SOLE 0 0 0 19,561
BOEING CO COM 097023105 1,632 4,290 SH   SOLE 0 0 0 4,290
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,459 33,576 SH   SOLE 0 0 0 33,576
ISHARES TR CORE MSCI EURO 46434V738 1,436 31,404 SH   SOLE 0 0 0 31,404
ISHARES TR CORE S&P US VLU 464287663 1,410 24,398 SH   SOLE 0 0 0 24,398
GENERAL DYNAMICS CORP COM 369550108 1,387 7,593 SH   SOLE 0 0 0 7,593
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,369 19,271 SH   SOLE 0 0 0 19,271
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,349 23,776 SH   SOLE 0 0 0 23,776
ISHARES TR RUS 1000 GRW ETF 464287614 1,257 7,874 SH   SOLE 0 0 0 7,874
MICROSOFT CORP COM 594918104 1,229 8,838 SH   SOLE 0 0 0 8,838
EDWARDS LIFESCIENCES CORP COM 28176E108 1,179 5,361 SH   SOLE 0 0 0 5,361
AMAZON COM INC COM 023135106 1,104 636 SH   SOLE 0 0 0 636
QUALCOMM INC COM 747525103 1,069 14,015 SH   SOLE 0 0 0 14,015
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,005 40,011 SH   SOLE 0 0 0 40,011
ABBOTT LABS COM 002824100 965 11,534 SH   SOLE 0 0 0 11,534
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 953 6,435 SH   SOLE 0 0 0 6,435
HOME DEPOT INC COM 437076102 934 4,027 SH   SOLE 0 0 0 4,027
ISHARES TR 0-5 YR TIPS ETF 46429B747 905 9,033 SH   SOLE 0 0 0 9,033
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 902 15,898 SH   SOLE 0 0 0 15,898
ABBVIE INC COM 00287Y109 897 11,846 SH   SOLE 0 0 0 11,846
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 891 4,281 SH   SOLE 0 0 0 4,281
ISHARES TR MSCI EAFE ETF 464287465 885 13,576 SH   SOLE 0 0 0 13,576
PFIZER INC COM 717081103 878 24,450 SH   SOLE 0 0 0 24,450
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 809 15,066 SH   SOLE 0 0 0 15,066
LOCKHEED MARTIN CORP COM 539830109 805 2,064 SH   SOLE 0 0 0 2,064
ISHARES TR RUSSELL 3000 ETF 464287689 804 4,628 SH   SOLE 0 0 0 4,628
SPDR SERIES TRUST DJ REIT ETF 78464A607 776 7,425 SH   SOLE 0 0 0 7,425
FIRSTENERGY CORP COM 337932107 726 15,058 SH   SOLE 0 0 0 15,058
ISHARES INC EM MKT SM-CP ETF 464286475 705 16,741 SH   SOLE 0 0 0 16,741
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 670 27,886 SH   SOLE 0 0 0 27,886
BAXTER INTL INC COM 071813109 669 7,651 SH   SOLE 0 0 0 7,651
INTEGRA LIFESCIENCES HLDGS C COM NEW 457985208 648 10,781 SH   SOLE 0 0 0 10,781
AMEREN CORP COM 023608102 633 7,903 SH   SOLE 0 0 0 7,903
LEIDOS HLDGS INC COM 525327102 627 7,300 SH   SOLE 0 0 0 7,300
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 622 19,555 SH   SOLE 0 0 0 19,555
ISHARES TR CORE S&P SCP ETF 464287804 573 7,355 SH   SOLE 0 0 0 7,355
PNC FINL SVCS GROUP INC COM 693475105 568 4,050 SH   SOLE 0 0 0 4,050
DISNEY WALT CO COM DISNEY 254687106 559 4,288 SH   SOLE 0 0 0 4,288
ISHARES TR RUS 1000 VAL ETF 464287598 540 4,210 SH   SOLE 0 0 0 4,210
SPDR SERIES TRUST FTSE INT GVT ETF 78464A490 529 9,673 SH   SOLE 0 0 0 9,673
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 520 13,380 SH   SOLE 0 0 0 13,380
UNITED TECHNOLOGIES CORP COM 913017109 479 3,510 SH   SOLE 0 0 0 3,510
JOHNSON & JOHNSON COM 478160104 456 3,525 SH   SOLE 0 0 0 3,525
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 452 8,934 SH   SOLE 0 0 0 8,934
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 447 7,292 SH   SOLE 0 0 0 7,292
CHARTER COMMUNICATIONS INC N CL A 16119P108 441 1,069 SH   SOLE 0 0 0 1,069
UNITEDHEALTH GROUP INC COM 91324P102 432 1,989 SH   SOLE 0 0 0 1,989
ISHARES TR 3 7 YR TREAS BD 464288661 399 3,144 SH   SOLE 0 0 0 3,144
SCIENCE APPLICATNS INTL CP N COM 808625107 387 4,434 SH   SOLE 0 0 0 4,434
ALPHABET INC CAP STK CL A 02079K305 381 312 SH   SOLE 0 0 0 312
ALLERGAN PLC SHS G0177J108 363 2,156 SH   SOLE 0 0 0 2,156
TORO CO COM 891092108 352 4,800 SH   SOLE 0 0 0 4,800
ISHARES TR U.S. REAL ES ETF 464287739 349 3,733 SH   SOLE 0 0 0 3,733
WELLS FARGO CO NEW COM 949746101 343 6,801 SH   SOLE 0 0 0 6,801
BANK AMER CORP COM 060505104 330 11,320 SH   SOLE 0 0 0 11,320
ISHARES TR RUS MD CP GR ETF 464287481 328 2,319 SH   SOLE 0 0 0 2,319
ISHARES TR MSCI EMG MKT ETF 464287234 327 7,998 SH   SOLE 0 0 0 7,998
MCDONALDS CORP COM 580135101 327 1,523 SH   SOLE 0 0 0 1,523
US BANCORP DEL COM NEW 902973304 323 5,843 SH   SOLE 0 0 0 5,843
ISHARES TR RUS 1000 ETF 464287622 318 1,932 SH   SOLE 0 0 0 1,932
PPL CORP COM 69351T106 317 10,072 SH   SOLE 0 0 0 10,072
AT&T INC COM 00206R102 315 8,324 SH   SOLE 0 0 0 8,324
DUPONT DE NEMOURS INC COM 26614N102 304 4,269 SH   SOLE 0 0 0 4,269
SPDR S&P 500 ETF TR TR UNIT 78462F103 296 996 SH   SOLE 0 0 0 996
JPMORGAN CHASE & CO COM 46625H100 284 2,412 SH   SOLE 0 0 0 2,412
LILLY ELI & CO COM 532457108 280 2,504 SH   SOLE 0 0 0 2,504
ALPHABET INC CAP STK CL C 02079K107 278 228 SH   SOLE 0 0 0 228
NORDSTROM INC COM 655664100 249 7,386 SH   SOLE 0 0 0 7,386
ISHARES TR RUSSELL 2000 ETF 464287655 248 1,636 SH   SOLE 0 0 0 1,636
PHILIP MORRIS INTL INC COM 718172109 246 3,238 SH   SOLE 0 0 0 3,238
AMGEN INC COM 031162100 238 1,229 SH   SOLE 0 0 0 1,229
WALMART INC COM 931142103 237 1,999 SH   SOLE 0 0 0 1,999
PEPSICO INC COM 713448108 226 1,645 SH   SOLE 0 0 0 1,645
INVESCO QQQ TR UNIT SER 1 46090E103 223 1,180 SH   SOLE 0 0 0 1,180
NORTHROP GRUMMAN CORP COM 666807102 211 564 SH   SOLE 0 0 0 564
COSTCO WHSL CORP NEW COM 22160K105 205 711 SH   SOLE 0 0 0 711
CHEVRON CORP NEW COM 166764100 205 1,725 SH   SOLE 0 0 0 1,725
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 202 3,802 SH   SOLE 0 0 0 3,802
CVS HEALTH CORP COM 126650100 202 3,199 SH   SOLE 0 0 0 3,199
PIMCO CALIF MUN INCOME FD II COM 72200M108 189 19,387 SH   SOLE 0 0 0 19,387
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 155 10,281 SH   SOLE 0 0 0 10,281