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 PRECIOUS METALS PHYSCL PM BASKET 003263100 215 2,866 SH   SOLE 1 2,866 0 0
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 15,776 210,065 SH   SOLE   210,065 0 0
ALPHABET INC CAP STK CL C 02079K107 264 227 SH   SOLE   227 0 0
AT&T INC COM 00206R102 245 8,411 SH   SOLE   8,411 0 0
DBX ETF TR XTRACK INTL REAL 233051846 192,874 9,029,660 SH   SOLE   9,029,660 0 0
DBX ETF TR XTRACK INTL REAL 233051846 833 38,980 SH   SOLE 1 38,980 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 304,144 16,502,639 SH   SOLE   16,502,639 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 3,581 194,324 SH   SOLE 1 194,324 0 0
DBX ETF TR XTRACK USD HIGH 233051432 830,413 18,843,034 SH   SOLE   18,843,034 0 0
DBX ETF TR XTRACK USD HIGH 233051432 1,363 30,933 SH   SOLE 1 30,933 0 0
DIREXION SHS ETF TR ZACKS MLP HG INC 25459Y298 4,741 971,417 SH   SOLE   971,417 0 0
DIREXION SHS ETF TR ZACKS MLP HG INC 25459Y298 394 80,673 SH   SOLE 1 80,673 0 0
GLOBAL X FDS GLBL X MLP ETF 37950E473 36,301 11,524,001 SH   SOLE   11,524,001 0 0
GLOBAL X FDS GLBL X MLP ETF 37950E473 505 160,184 SH   SOLE 1 160,184 0 0
GLOBAL X FDS US PFD ETF 37954Y657 148,525 6,788,166 SH   SOLE   6,788,166 0 0
GLOBAL X FDS US PFD ETF 37954Y657 1,089 49,768 SH   SOLE 1 49,768 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 521,255 5,638,850 SH   SOLE   5,638,850 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 10,839 117,257 SH   SOLE 1 117,257 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 5,566 62,228 SH   SOLE 1 62,228 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 307,718 3,440,502 SH   SOLE   3,440,502 0 0
INVESCO EXCHANGE-TRADED FD T CALIF AMT MUN 46138E206 217,381 8,059,649 SH   SOLE   8,059,649 0 0
INVESCO EXCHANGE-TRADED FD T FTSE RAFI DEV 46138E743 4,412 145,405 SH   SOLE 1 145,405 0 0
INVESCO EXCHANGE-TRADED FD T FTSE RAFI DEV 46138E743 407,109 13,418,213 SH   SOLE   13,418,213 0 0
INVESCO EXCHANGE-TRADED FD T FTSE RAFI EMNG 46138E727 2,597 168,330 SH   SOLE 1 168,330 0 0
INVESCO EXCHANGE-TRADED FD T FTSE RAFI EMNG 46138E727 157,954 10,236,806 SH   SOLE   10,236,806 0 0
INVESCO EXCHANGE-TRADED FD T FTSE RAFI SML 46138E735 175,486 7,600,097 SH   SOLE   7,600,097 0 0
INVESCO EXCHANGE-TRADED FD T FTSE RAFI SML 46138E735 2,632 113,982 SH   SOLE 1 113,982 0 0
INVESCO EXCHANGE-TRADED FD T SR LN ETF 46138G508 157,680 7,706,722 SH   SOLE   7,706,722 0 0
INVESCO EXCHANGE-TRADED FD T SR LN ETF 46138G508 2,775 135,633 SH   SOLE 1 135,633 0 0
ISHARES GOLD TRUST ISHARES 464285105 2,356 156,359 SH   SOLE 1 156,359 0 0
ISHARES GOLD TRUST ISHARES 464285105 735,998 48,838,609 SH   SOLE   48,838,609 0 0
ISHARES INC CORE MSCI EMKT 46434G103 127,785 3,157,517 SH   SOLE   3,157,517 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,018 49,863 SH   SOLE 1 49,863 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 0 2 SH   SOLE 1 2 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 581 14,217 SH   SOLE   14,217 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 54,969 412,246 SH   SOLE   412,246 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 97 729 SH   SOLE 1 729 0 0
ISHARES TR BROAD USD HIGH 46435U853 4,213 118,669 SH   SOLE 1 118,669 0 0
ISHARES TR BROAD USD HIGH 46435U853 161,587 4,551,755 SH   SOLE   4,551,755 0 0
ISHARES TR CALIF MUN BD ETF 464288356 106,727 1,763,492 SH   SOLE   1,763,492 0 0
ISHARES TR CORE INTL AGGR 46435G672 36,211 662,115 SH   SOLE   662,115 0 0
ISHARES TR CORE INTL AGGR 46435G672 103 1,878 SH   SOLE 1 1,878 0 0
ISHARES TR CRE U S REIT ETF 464288521 159,347 4,068,092 SH   SOLE   4,068,092 0 0
ISHARES TR CRE U S REIT ETF 464288521 3,330 85,011 SH   SOLE 1 85,011 0 0
ISHARES TR MBS ETF 464288588 4,495 40,703 SH   SOLE 1 40,703 0 0
ISHARES TR MBS ETF 464288588 135,593 1,227,753 SH   SOLE   1,227,753 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 623,290 30,125,194 SH   SOLE   30,125,194 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 931 45,011 SH   SOLE 1 45,011 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,161 83,641 SH   SOLE 1 83,641 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,448,781 56,067,386 SH   SOLE   56,067,386 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 604,386 24,769,935 SH   SOLE   24,769,935 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 618 25,333 SH   SOLE 1 25,333 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 2,500,195 42,534,793 SH   SOLE   42,534,793 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 12,211 207,734 SH   SOLE 1 207,734 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 3,932 125,489 SH   SOLE 1 125,489 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 3,634,288 116,000,268 SH   SOLE   116,000,268 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 4,173 161,302 SH   SOLE 1 161,302 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 2,204,224 85,203,850 SH   SOLE   85,203,850 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 2,102 102,239 SH   SOLE 1 102,239 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 981,990 47,762,182 SH   SOLE   47,762,182 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 5,565 264,634 SH   SOLE 1 264,634 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,374,274 112,899,392 SH   SOLE   112,899,392 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,836 78,181 SH   SOLE 1 78,181 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 969,297 41,281,835 SH   SOLE   41,281,835 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 490,924 10,914,283 SH   SOLE   10,914,283 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,425 76,154 SH   SOLE 1 76,154 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,385 87,918 SH   SOLE 1 87,918 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,629,899 42,937,131 SH   SOLE   42,937,131 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,206 36,841 SH   SOLE 1 36,841 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 865,430 26,433,407 SH   SOLE   26,433,407 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,579 50,061 SH   SOLE 1 50,061 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,246,951 24,203,248 SH   SOLE   24,203,248 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,512,995 43,696,669 SH   SOLE   43,696,669 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,512 78,448 SH   SOLE 1 78,448 0 0
SPDR SER TR BLOMBRG BRC EMRG 78464A391 543,722 22,201,802 SH   SOLE   22,201,802 0 0
SPDR SER TR BLOMBRG BRC EMRG 78464A391 1,291 52,720 SH   SOLE 1 52,720 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 573,518 11,470,355 SH   SOLE   11,470,355 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 737 14,735 SH   SOLE 1 14,735 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 5,537 190,651 SH   SOLE 1 190,651 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 379,107 13,054,651 SH   SOLE   13,054,651 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 567,695 16,691,996 SH   SOLE   16,691,996 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 2,192 64,452 SH   SOLE 1 64,452 0 0
SPDR SER TR WELLS FG PFD ETF 78464A292 54,989 1,403,129 SH   SOLE   1,403,129 0 0
SPDR SER TR WELLS FG PFD ETF 78464A292 3,083 78,680 SH   SOLE 1 78,680 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 3,142 110,370 SH   SOLE 1 110,370 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 316,480 11,116,251 SH   SOLE   11,116,251 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 29 521 SH   SOLE 1 521 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 16,949 301,263 SH   SOLE   301,263 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 391,361 1,652,568 SH   SOLE   1,652,568 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,005 25,358 SH   SOLE 1 25,358 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 240,479 2,083,150 SH   SOLE   2,083,150 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,874 24,900 SH   SOLE 1 24,900 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 212 1,643 SH   SOLE   1,643 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 124,161 1,586,726 SH   SOLE   1,586,726 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,374 30,344 SH   SOLE 1 30,344 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 373,492 8,704,070 SH   SOLE   8,704,070 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,041 47,563 SH   SOLE 1 47,563 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 315,712 5,968,082 SH   SOLE   5,968,082 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 105 1,991 SH   SOLE 1 1,991 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 39,801 457,015 SH   SOLE   457,015 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 876 10,058 SH   SOLE 1 10,058 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 8,880 162,928 SH   SOLE 1 162,928 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 2,599,133 47,690,519 SH   SOLE   47,690,519 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 330,865 9,923,962 SH   SOLE   9,923,962 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,050 121,471 SH   SOLE 1 121,471 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 77,773 1,099,261 SH   SOLE   1,099,261 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 9,471 133,868 SH   SOLE 1 133,868 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 74,767 1,650,840 SH   SOLE   1,650,840 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 4,582 101,179 SH   SOLE 1 101,179 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 574 10,681 SH   SOLE   10,681 0 0
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 2,746 18,796 SH   SOLE   18,796 0 0