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 178 2,135 SH   SOLE 1 2,135 0 0
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 11,436 136,904 SH   SOLE   136,904 0 0
ALPHABET INC CAP STK CL C 02079K107 11 8 SH   SOLE 1 8 0 0
ALPHABET INC CAP STK CL C 02079K107 331 234 SH   SOLE   234 0 0
APPLE INC COM 037833100 100 275 SH   SOLE 1 275 0 0
APPLE INC COM 037833100 246 675 SH   SOLE   675 0 0
DBX ETF TR XTRACK USD HIGH 233051432 207,182 4,431,698 SH   SOLE   4,431,698 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 361,322 17,729,241 SH   SOLE   17,729,241 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 7,843 384,836 SH   SOLE 1 384,836 0 0
DBX ETF TR XTRACK INTL REAL 233051846 1,551 67,565 SH   SOLE 1 67,565 0 0
DBX ETF TR XTRACK USD HIGH 233051432 339 7,259 SH   SOLE 1 7,259 0 0
DBX ETF TR XTRACK INTL REAL 233051846 225,105 9,804,237 SH   SOLE   9,804,237 0 0
DIREXION SHS ETF TR ZACKS MLP HG INC 25460G799 6,018 111,410 SH   SOLE   111,410 0 0
DIREXION SHS ETF TR ZACKS MLP HG INC 25460G799 492 9,105 SH   SOLE 1 9,105 0 0
GLOBAL X FDS US PFD ETF 37954Y657 426 18,121 SH   SOLE 1 18,121 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 55,039 2,021,999 SH   SOLE   2,021,999 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 804 29,526 SH   SOLE 1 29,526 0 0
GLOBAL X FDS US PFD ETF 37954Y657 36,079 1,535,281 SH   SOLE   1,535,281 0 0
HUMANA INC COM 444859102 223 576 SH   SOLE   576 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 2,379 137,582 SH   SOLE 1 137,582 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 170,884 9,883,418 SH   SOLE   9,883,418 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 3,846 111,124 SH   SOLE 1 111,124 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 2,386 87,028 SH   SOLE 1 87,028 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 154,635 5,666,351 SH   SOLE   5,666,351 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 167,352 6,103,276 SH   SOLE   6,103,276 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 283,554 8,192,845 SH   SOLE   8,192,845 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 4,857 44,847 SH   SOLE 1 44,847 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 312,582 2,798,155 SH   SOLE   2,798,155 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 310,672 2,868,359 SH   SOLE   2,868,359 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 4,444 39,781 SH   SOLE 1 39,781 0 0
INVESCO EXCHANGE-TRADED FD T SR LN ETF 46138G508 979 45,834 SH   SOLE 1 45,834 0 0
INVESCO EXCHANGE-TRADED FD T SR LN ETF 46138G508 62,246 2,915,520 SH   SOLE   2,915,520 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 256 1,034 SH   SOLE   1,034 0 0
ISHARES GOLD TRUST ISHARES 464285105 2,402 141,376 SH   SOLE 1 141,376 0 0
ISHARES GOLD TRUST ISHARES 464285105 584,207 34,385,360 SH   SOLE   34,385,360 0 0
ISHARES INC CORE MSCI EMKT 46434G103 136,970 2,877,528 SH   SOLE   2,877,528 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,000 42,012 SH   SOLE 1 42,012 0 0
ISHARES TR BROAD USD HIGH 46435U853 777 20,321 SH   SOLE 1 20,321 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 9,759 73,007 SH   SOLE   73,007 0 0
ISHARES TR SH TR CRPORT ETF 464288646 253 4,622 SH   SOLE   4,622 0 0
ISHARES TR CORE US AGGBD ET 464287226 205 1,736 SH   SOLE   1,736 0 0
ISHARES TR CORE INTL AGGR 46435G672 101 1,811 SH   SOLE 1 1,811 0 0
ISHARES TR CRE U S REIT ETF 464288521 1,745 40,144 SH   SOLE 1 40,144 0 0
ISHARES TR BROAD USD HIGH 46435U853 33,056 864,895 SH   SOLE   864,895 0 0
ISHARES TR MBS ETF 464288588 2,963 26,762 SH   SOLE 1 26,762 0 0
ISHARES TR CORE INTL AGGR 46435G672 39,702 713,035 SH   SOLE   713,035 0 0
ISHARES TR CALIF MUN BD ETF 464288356 197,147 3,171,599 SH   SOLE   3,171,599 0 0
ISHARES TR CRE U S REIT ETF 464288521 85,051 1,956,102 SH   SOLE   1,956,102 0 0
ISHARES TR CORE US AGGBD ET 464287226 302 2,557 SH   SOLE 1 2,557 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 71 531 SH   SOLE 1 531 0 0
ISHARES TR CORE S&P500 ETF 464287200 251 812 SH   SOLE   812 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 531 12,387 SH   SOLE   12,387 0 0
ISHARES TR MBS ETF 464288588 106,269 959,973 SH   SOLE   959,973 0 0
MICROSOFT CORP COM 594918104 15 75 SH   SOLE 1 75 0 0
MICROSOFT CORP COM 594918104 211 1,038 SH   SOLE   1,038 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 720,987 20,470,959 SH   SOLE   20,470,959 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 729,341 24,664,890 SH   SOLE   24,664,890 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,648,868 40,539,761 SH   SOLE   40,539,761 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,173 73,491 SH   SOLE 1 73,491 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,093,471 39,704,824 SH   SOLE   39,704,824 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 625,258 10,637,260 SH   SOLE   10,637,260 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,277,377 52,459,017 SH   SOLE   52,459,017 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 8,393 227,815 SH   SOLE 1 227,815 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,030,630 54,394,461 SH   SOLE   54,394,461 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 401,027 7,749,319 SH   SOLE   7,749,319 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 7,311 312,319 SH   SOLE 1 312,319 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 3,584 60,981 SH   SOLE 1 60,981 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 2,870,814 77,926,553 SH   SOLE   77,926,553 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,716 77,114 SH   SOLE 1 77,114 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,902 164,761 SH   SOLE 1 164,761 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 21,649 360,698 SH   SOLE 1 360,698 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,496,877 50,315,194 SH   SOLE   50,315,194 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,824 157,033 SH   SOLE 1 157,033 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 9,721 148,781 SH   SOLE 1 148,781 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 3,405 123,654 SH   SOLE 1 123,654 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,201,901 92,750,684 SH   SOLE   92,750,684 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,865,244 79,677,221 SH   SOLE   79,677,221 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 4,763 150,169 SH   SOLE 1 150,169 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,916,024 81,906,424 SH   SOLE   81,906,424 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 12,070 162,888 SH   SOLE 1 162,888 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 7,174 302,208 SH   SOLE 1 302,208 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,938,779 61,121,670 SH   SOLE   61,121,670 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,364 161,630 SH   SOLE 1 161,630 0 0
SPDR SER TR WELLS FG PFD ETF 78464A292 282 6,741 SH   SOLE 1 6,741 0 0
SPDR SER TR WELLS FG PFD ETF 78464A292 5,295 126,525 SH   SOLE   126,525 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 605,627 16,578,905 SH   SOLE   16,578,905 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 370,488 12,292,247 SH   SOLE   12,292,247 0 0
SPDR SER TR BLOMBRG BRC EMRG 78464A391 1,027 39,202 SH   SOLE 1 39,202 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 761 14,735 SH   SOLE 1 14,735 0 0
SPDR SER TR BLOMBRG BRC EMRG 78464A391 337,605 12,880,789 SH   SOLE   12,880,789 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 2,505 68,577 SH   SOLE 1 68,577 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 520,020 10,066,203 SH   SOLE   10,066,203 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 5,557 184,376 SH   SOLE 1 184,376 0 0
TESLA INC COM 88160R101 202 187 SH   SOLE   187 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 1,480 48,140 SH   SOLE 1 48,140 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 159,626 5,192,787 SH   SOLE   5,192,787 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 34 597 SH   SOLE 1 597 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 36,588 633,786 SH   SOLE   633,786 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 239,311 1,642,267 SH   SOLE   1,642,267 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 225 1,573 SH   SOLE   1,573 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,754 18,896 SH   SOLE 1 18,896 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 428,713 1,512,589 SH   SOLE   1,512,589 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,927 20,911 SH   SOLE 1 20,911 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 110,016 1,138,644 SH   SOLE   1,138,644 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 365,395 7,831,018 SH   SOLE   7,831,018 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,771 37,955 SH   SOLE 1 37,955 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,778 18,397 SH   SOLE 1 18,397 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 464,174 8,573,587 SH   SOLE   8,573,587 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 603 11,146 SH   SOLE 1 11,146 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,632,123 27,665,790 SH   SOLE   27,665,790 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 18,343 192,799 SH   SOLE 1 192,799 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 7,712 141,840 SH   SOLE 1 141,840 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 2,451,497 45,089,139 SH   SOLE   45,089,139 0 0
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 2,679 69,053 SH   SOLE 1 69,053 0 0
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 245,193 6,321,029 SH   SOLE   6,321,029 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 83,611 1,633,352 SH   SOLE   1,633,352 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 54,121 686,983 SH   SOLE   686,983 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,440 30,967 SH   SOLE 1 30,967 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 2,677 52,293 SH   SOLE 1 52,293 0 0