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
ABBOTT LABS COM 002824100 932 11,807 SH   SOLE 0 0 11,807
ABBVIE INC COM 00287Y109 925 12,140 SH   SOLE 0 0 12,140
ALLERGAN PLC SHS G0177J108 382 2,156 SH   SOLE 0 0 2,156
ALPHABET INC CAP STK CL A 02079K305 361 311 SH   SOLE 0 0 311
ALPHABET INC CAP STK CL C 02079K107 286 246 SH   SOLE 0 0 246
AMAZON COM INC COM 023135106 1,100 564 SH   SOLE 0 0 564
AMEREN CORP COM 023608102 576 7,903 SH   SOLE 0 0 7,903
AMGEN INC COM 031162100 290 1,429 SH   SOLE 0 0 1,429
AON PLC SHS CL A G0408V102 1,208 7,319 SH   SOLE 0 0 7,319
APPLE INC COM 037833100 4,357 17,134 SH   SOLE 0 0 17,134
AT&T INC COM 00206R102 295 10,134 SH   SOLE 0 0 10,134
BAXTER INTL INC COM 071813109 621 7,653 SH   SOLE 0 0 7,653
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 716 3,916 SH   SOLE 0 0 3,916
BK OF AMERICA CORP COM 060505104 268 12,623 SH   SOLE 0 0 12,623
BOEING CO COM 097023105 576 3,864 SH   SOLE 0 0 3,864
CHARTER COMMUNICATIONS INC N CL A 16119P108 466 1,069 SH   SOLE 0 0 1,069
DISNEY WALT CO COM DISNEY 254687106 610 6,319 SH   SOLE 0 0 6,319
EDISON INTL COM 281020107 229 4,174 SH   SOLE 0 0 4,174
EDWARDS LIFESCIENCES CORP COM 28176E108 1,011 5,361 SH   SOLE 0 0 5,361
FIDELITY COVINGTON TR MSCI RL EST ETF 316092857 16,077 772,932 SH   SOLE 0 0 772,932
FIRSTENERGY CORP COM 337932107 603 15,058 SH   SOLE 0 0 15,058
FLEXSHARES TR MORNSTAR UPSTR 33939L407 4,997 221,790 SH   SOLE 0 0 221,790
GENERAL DYNAMICS CORP COM 369550108 991 7,491 SH   SOLE 0 0 7,491
HOME DEPOT INC COM 437076102 1,096 5,868 SH   SOLE 0 0 5,868
INTEGRA LIFESCIENCES HLDGS C COM NEW 457985208 482 10,781 SH   SOLE 0 0 10,781
INTEL CORP COM 458140100 246 4,549 SH   SOLE 0 0 4,549
INVESCO QQQ TR UNIT SER 1 46090E103 225 1,180 SH   SOLE 0 0 1,180
ISHARES INC CORE MSCI EMKT 46434G103 7,404 182,947 SH   SOLE 0 0 182,947
ISHARES INC EM MKT SM-CP ETF 464286475 1,091 34,016 SH   SOLE 0 0 34,016
ISHARES INC MSCI BRIC INDX 464286657 2,023 56,772 SH   SOLE 0 0 56,772
ISHARES TR 0-5 YR TIPS ETF 46429B747 776 7,770 SH   SOLE 0 0 7,770
ISHARES TR 1 3 YR TREAS BD 464287457 2,304 26,587 SH   SOLE 0 0 26,587
ISHARES TR 3 7 YR TREAS BD 464288661 412 3,093 SH   SOLE 0 0 3,093
ISHARES TR CALIF MUN BD ETF 464288356 10,326 170,616 SH   SOLE 0 0 170,616
ISHARES TR CORE INTL AGGR 46435G672 19,193 350,935 SH   SOLE 0 0 350,935
ISHARES TR CORE MSCI EAFE 46432F842 38,909 779,888 SH   SOLE 0 0 779,888
ISHARES TR CORE MSCI TOTAL 46432F834 433 9,206 SH   SOLE 0 0 9,206
ISHARES TR CORE S&P MCP ETF 464287507 5,668 39,403 SH   SOLE 0 0 39,403
ISHARES TR CORE S&P SCP ETF 464287804 4,478 79,807 SH   SOLE 0 0 79,807
ISHARES TR CORE S&P TTL STK 464287150 35,016 612,056 SH   SOLE 0 0 612,056
ISHARES TR CORE S&P US VLU 464287663 659 14,269 SH   SOLE 0 0 14,269
ISHARES TR CORE S&P500 ETF 464287200 2,909 11,258 SH   SOLE 0 0 11,258
ISHARES TR CORE US AGGBD ET 464287226 1,984 17,197 SH   SOLE 0 0 17,197
ISHARES TR CRE U S REIT ETF 464288521 7,256 185,232 SH   SOLE 0 0 185,232
ISHARES TR EAFE SML CP ETF 464288273 11,077 247,079 SH   SOLE 0 0 247,079
ISHARES TR INTL TREA BD ETF 464288117 1,959 39,720 SH   SOLE 0 0 39,720
ISHARES TR MSCI ACWI ETF 464288257 219 3,500 SH   SOLE 0 0 3,500
ISHARES TR MSCI EAFE ETF 464287465 620 11,589 SH   SOLE 0 0 11,589
ISHARES TR MSCI EMG MKT ETF 464287234 254 7,435 SH   SOLE 0 0 7,435
ISHARES TR NORTH AMERN NAT 464287374 2,590 155,741 SH   SOLE 0 0 155,741
ISHARES TR RUS 1000 GRW ETF 464287614 1,258 8,350 SH   SOLE 0 0 8,350
ISHARES TR RUS 1000 VAL ETF 464287598 390 3,935 SH   SOLE 0 0 3,935
ISHARES TR RUS MD CP GR ETF 464287481 264 2,172 SH   SOLE 0 0 2,172
ISHARES TR RUS MDCP VAL ETF 464287473 1,543 24,076 SH   SOLE 0 0 24,076
ISHARES TR RUSSELL 3000 ETF 464287689 666 4,493 SH   SOLE 0 0 4,493
ISHARES TR S&P 500 VAL ETF 464287408 9,848 102,315 SH   SOLE 0 0 102,315
ISHARES TR S&P MC 400VL ETF 464287705 2,398 21,848 SH   SOLE 0 0 21,848
ISHARES TR SP SMCP600VL ETF 464287879 1,865 18,658 SH   SOLE 0 0 18,658
ISHARES TR TIPS BD ETF 464287176 22,006 186,618 SH   SOLE 0 0 186,618
ISHARES TR U.S. REAL ES ETF 464287739 234 3,363 SH   SOLE 0 0 3,363
JOHNSON & JOHNSON COM 478160104 679 5,180 SH   SOLE 0 0 5,180
JPMORGAN CHASE & CO COM 46625H100 210 2,330 SH   SOLE 0 0 2,330
LEIDOS HOLDINGS INC COM 525327102 629 6,863 SH   SOLE 0 0 6,863
LILLY ELI & CO COM 532457108 347 2,504 SH   SOLE 0 0 2,504
LOCKHEED MARTIN CORP COM 539830109 742 2,190 SH   SOLE 0 0 2,190
MCDONALDS CORP COM 580135101 284 1,716 SH   SOLE 0 0 1,716
MERCK & CO. INC COM 58933Y105 1,488 19,344 SH   SOLE 0 0 19,344
MICROSOFT CORP COM 594918104 1,540 9,765 SH   SOLE 0 0 9,765
NORTHROP GRUMMAN CORP COM 666807102 327 1,081 SH   SOLE 0 0 1,081
NUVEEN CA QUALTY MUN INCOME COM 67066Y105 166 12,103 SH   SOLE 0 0 12,103
PEPSICO INC COM 713448108 328 2,729 SH   SOLE 0 0 2,729
PFIZER INC COM 717081103 775 23,754 SH   SOLE 0 0 23,754
PHILIP MORRIS INTL INC COM 718172109 255 3,499 SH   SOLE 0 0 3,499
PIMCO CALIF MUN INCOME FD II COM 72200M108 164 19,387 SH   SOLE 0 0 19,387
PNC FINL SVCS GROUP INC COM 693475105 388 4,050 SH   SOLE 0 0 4,050
PPL CORP COM 69351T106 254 10,285 SH   SOLE 0 0 10,285
QUALCOMM INC COM 747525103 997 14,737 SH   SOLE 0 0 14,737
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 586 28,303 SH   SOLE 0 0 28,303
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,248 87,002 SH   SOLE 0 0 87,002
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 16,777 687,587 SH   SOLE 0 0 687,587
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 604 11,681 SH   SOLE 0 0 11,681
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 721 13,290 SH   SOLE 0 0 13,290
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 858 14,193 SH   SOLE 0 0 14,193
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,694 38,261 SH   SOLE 0 0 38,261
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,853 67,669 SH   SOLE 0 0 67,669
SCHWAB STRATEGIC TR US REIT ETF 808524847 329 10,042 SH   SOLE 0 0 10,042
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,378 58,737 SH   SOLE 0 0 58,737
SCIENCE APPLICATNS INTL CP N COM 808625107 331 4,433 SH   SOLE 0 0 4,433
SEMPRA ENERGY COM 816851109 2,489 22,026 SH   SOLE 0 0 22,026
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 37,520 1,212,676 SH   SOLE 0 0 1,212,676
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 12,266 512,355 SH   SOLE 0 0 512,355
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,370 188,701 SH   SOLE 0 0 188,701
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,356 40,956 SH   SOLE 0 0 40,956
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 4,706 206,654 SH   SOLE 0 0 206,654
SPDR SER TR BLOMBERG INTL TR 78464A516 4,861 174,872 SH   SOLE 0 0 174,872
SPDR SER TR FTSE INT GVT ETF 78464A490 376 7,703 SH   SOLE 0 0 7,703
SPDR SER TR PORTFLI TIPS ETF 78464A656 43,028 1,481,688 SH   SOLE 0 0 1,481,688
SPDR SER TR PORTFOLI S&P1500 78464A805 15,895 505,391 SH   SOLE 0 0 505,391
SPDR SER TR PORTFOLIO AGRGTE 78464A649 7,356 243,401 SH   SOLE 0 0 243,401
SPDR SER TR PORTFOLIO S&P400 78464A847 5,306 209,492 SH   SOLE 0 0 209,492
SPDR SER TR PORTFOLIO S&P600 78468R853 14,573 667,241 SH   SOLE 0 0 667,241
SPDR SER TR PRTFLO S&P500 GW 78464A409 408 11,408 SH   SOLE 0 0 11,408
SPDR SER TR PRTFLO S&P500 VL 78464A508 17,931 693,909 SH   SOLE 0 0 693,909
SPDR SER TR S&P 400 MDCP GRW 78464A821 642 14,992 SH   SOLE 0 0 14,992
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,045 29,635 SH   SOLE 0 0 29,635
SPDR SER TR SPDR BLOOMBERG 78468R663 2,813 30,702 SH   SOLE 0 0 30,702
TESLA INC COM 88160R101 258 493 SH   SOLE 0 0 493
TORO CO COM 891092108 312 4,800 SH   SOLE 0 0 4,800
UNITED PARCEL SERVICE INC CL B 911312106 1,374 14,709 SH   SOLE 0 0 14,709
UNITED TECHNOLOGIES CORP COM 913017109 290 3,077 SH   SOLE 0 0 3,077
UNITEDHEALTH GROUP INC COM 91324P102 500 2,004 SH   SOLE 0 0 2,004
US BANCORP DEL COM NEW 902973304 220 6,387 SH   SOLE 0 0 6,387
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,083 36,117 SH   SOLE 0 0 36,117
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 984 17,490 SH   SOLE 0 0 17,490
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 750 5,923 SH   SOLE 0 0 5,923
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,459 54,858 SH   SOLE 0 0 54,858
VANGUARD INDEX FDS MID CAP ETF 922908629 14,703 111,680 SH   SOLE 0 0 111,680
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 38,474 550,805 SH   SOLE 0 0 550,805
VANGUARD INDEX FDS SM CP VAL ETF 922908611 967 10,893 SH   SOLE 0 0 10,893
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,413 38,228 SH   SOLE 0 0 38,228
VANGUARD INDEX FDS TOTAL STK MKT 922908769 17,136 132,932 SH   SOLE 0 0 132,932
VANGUARD INDEX FDS VALUE ETF 922908744 10,537 118,310 SH   SOLE 0 0 118,310
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,856 118,387 SH   SOLE 0 0 118,387
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 13,739 409,516 SH   SOLE 0 0 409,516
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,459 44,199 SH   SOLE 0 0 44,199
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 18,018 540,446 SH   SOLE 0 0 540,446
VISA INC COM CL A 92826C839 263 1,631 SH   SOLE 0 0 1,631
WALMART INC COM 931142103 227 1,999 SH   SOLE 0 0 1,999