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 11,458 121,944 SH   SOLE   121,944 0 0
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 191 2,038 SH   SOLE 1 2,038 0 0
ALPHABET INC CAP STK CL A 02079K305 211 144 SH   SOLE   144 0 0
ALPHABET INC CAP STK CL C 02079K107 552 375 SH   SOLE   375 0 0
AMAZON COM INC COM 023135106 419 133 SH   SOLE   133 0 0
APPLE INC COM 037833100 656 5,666 SH   SOLE   5,666 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 7,940 390,000 SH   SOLE 1 390,000 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 360,196 17,691,348 SH   SOLE   17,691,348 0 0
DBX ETF TR XTRACK USD HIGH 233051432 212,553 4,418,977 SH   SOLE   4,418,977 0 0
DBX ETF TR XTRACK INTL REAL 233051846 254,386 10,617,103 SH   SOLE   10,617,103 0 0
DBX ETF TR XTRACK INTL REAL 233051846 1,792 74,805 SH   SOLE 1 74,805 0 0
DBX ETF TR XTRACK USD HIGH 233051432 367 7,631 SH   SOLE 1 7,631 0 0
DIREXION SHS ETF TR ZACKS MLP HG INC 25460G799 6,988 137,955 SH   SOLE   137,955 0 0
DIREXION SHS ETF TR ZACKS MLP HG INC 25460G799 576 11,363 SH   SOLE 1 11,363 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 599 27,279 SH   SOLE 1 27,279 0 0
GLOBAL X FDS US PFD ETF 37954Y657 36,618 1,478,931 SH   SOLE   1,478,931 0 0
GLOBAL X FDS US PFD ETF 37954Y657 425 17,165 SH   SOLE 1 17,165 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 44,442 2,023,759 SH   SOLE   2,023,759 0 0
HUMANA INC COM 444859102 238 576 SH   SOLE   576 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 2,554 85,867 SH   SOLE 1 85,867 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 841 38,691 SH   SOLE 1 38,691 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 171,487 5,766,217 SH   SOLE   5,766,217 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 205,980 11,736,750 SH   SOLE   11,736,750 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 284,602 8,030,540 SH   SOLE   8,030,540 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 61,825 2,843,822 SH   SOLE   2,843,822 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 3,970 112,013 SH   SOLE 1 112,013 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 148,055 5,362,357 SH   SOLE   5,362,357 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 2,536 144,510 SH   SOLE 1 144,510 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 4,527 38,663 SH   SOLE 1 38,663 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 327,499 2,878,100 SH   SOLE   2,878,100 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 320,094 2,733,713 SH   SOLE   2,733,713 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 4,817 42,331 SH   SOLE 1 42,331 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 281 1,012 SH   SOLE   1,012 0 0
ISHARES GOLD TRUST ISHARES 464285105 2,562 142,408 SH   SOLE 1 142,408 0 0
ISHARES GOLD TRUST ISHARES 464285105 598,701 33,279,643 SH   SOLE   33,279,643 0 0
ISHARES INC CORE MSCI EMKT 46434G103 144,135 2,729,832 SH   SOLE   2,729,832 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,198 41,623 SH   SOLE 1 41,623 0 0
ISHARES TR MBS ETF 464288588 101,714 921,318 SH   SOLE   921,318 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 67 505 SH   SOLE 1 505 0 0
ISHARES TR BROAD USD HIGH 46435U853 818 20,712 SH   SOLE 1 20,712 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 9,380 70,215 SH   SOLE   70,215 0 0
ISHARES TR NATIONAL MUN ETF 464288414 214 1,847 SH   SOLE   1,847 0 0
ISHARES TR CALIF MUN BD ETF 464288356 213,179 3,416,781 SH   SOLE   3,416,781 0 0
ISHARES TR CORE INTL AGGR 46435G672 152 2,727 SH   SOLE 1 2,727 0 0
ISHARES TR CRE U S REIT ETF 464288521 1,828 41,781 SH   SOLE 1 41,781 0 0
ISHARES TR CRE U S REIT ETF 464288521 80,091 1,831,061 SH   SOLE   1,831,061 0 0
ISHARES TR MBS ETF 464288588 2,882 26,109 SH   SOLE 1 26,109 0 0
ISHARES TR BROAD USD HIGH 46435U853 32,505 823,535 SH   SOLE   823,535 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 465 10,575 SH   SOLE   10,575 0 0
ISHARES TR CORE INTL AGGR 46435G672 36,418 654,294 SH   SOLE   654,294 0 0
MICROSOFT CORP COM 594918104 300 1,424 SH   SOLE   1,424 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 14,931 185,174 SH   SOLE 1 185,174 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 5,518 166,968 SH   SOLE 1 166,968 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 807,675 24,828,621 SH   SOLE   24,828,621 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 9,392 169,842 SH   SOLE 1 169,842 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 4,175 139,620 SH   SOLE 1 139,620 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,933,364 81,507,752 SH   SOLE   81,507,752 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 2,038,180 61,669,606 SH   SOLE   61,669,606 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,846,354 41,662,084 SH   SOLE   41,662,084 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 717,002 20,271,471 SH   SOLE   20,271,471 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,999 84,776 SH   SOLE 1 84,776 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,428,596 53,385,496 SH   SOLE   53,385,496 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 3,037,647 78,431,372 SH   SOLE   78,431,372 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,484,042 55,612,567 SH   SOLE   55,612,567 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 418,934 7,575,657 SH   SOLE   7,575,657 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 9,459 244,224 SH   SOLE 1 244,224 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 8,231 347,014 SH   SOLE 1 347,014 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,259,066 85,332,890 SH   SOLE   85,332,890 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 645,278 10,996,551 SH   SOLE   10,996,551 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 234 4,441 SH   SOLE 1 4,441 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,206,746 40,359,407 SH   SOLE   40,359,407 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,449 203,625 SH   SOLE 1 203,625 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 11,234 164,426 SH   SOLE 1 164,426 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,758 183,387 SH   SOLE 1 183,387 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,584,631 50,465,946 SH   SOLE   50,465,946 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 3,586 61,105 SH   SOLE 1 61,105 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,312,540 94,120,458 SH   SOLE   94,120,458 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 23,719 384,861 SH   SOLE 1 384,861 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 8 153 SH   SOLE   153 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 8,364 340,435 SH   SOLE 1 340,435 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,699 82,962 SH   SOLE 1 82,962 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 205 613 SH   SOLE   613 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 763 14,695 SH   SOLE 1 14,695 0 0
SPDR SER TR WELLS FG PFD ETF 78464A292 5,020 115,482 SH   SOLE   115,482 0 0
SPDR SER TR WELLS FG PFD ETF 78464A292 277 6,370 SH   SOLE 1 6,370 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 5,493 177,944 SH   SOLE 1 177,944 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 2,428 66,046 SH   SOLE 1 66,046 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 493,369 9,500,657 SH   SOLE   9,500,657 0 0
SPDR SER TR BLOMBRG BRC EMRG 78464A391 329,778 12,548,625 SH   SOLE   12,548,625 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 575,278 15,649,564 SH   SOLE   15,649,564 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 354,820 11,494,021 SH   SOLE   11,494,021 0 0
SPDR SER TR BLOMBRG BRC EMRG 78464A391 1,031 39,248 SH   SOLE 1 39,248 0 0
TESLA INC COM 88160R101 422 983 SH   SOLE   983 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 1,411 45,752 SH   SOLE 1 45,752 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 146,731 4,757,816 SH   SOLE   4,757,816 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 30 512 SH   SOLE 1 512 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 47,010 807,932 SH   SOLE   807,932 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 255,627 1,662,073 SH   SOLE   1,662,073 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 460,202 1,495,861 SH   SOLE   1,495,861 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 229 1,346 SH   SOLE   1,346 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,830 18,403 SH   SOLE 1 18,403 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,247 20,305 SH   SOLE 1 20,305 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,800 37,021 SH   SOLE 1 37,021 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,884 17,889 SH   SOLE 1 17,889 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 111,892 1,062,699 SH   SOLE   1,062,699 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 355,910 7,321,748 SH   SOLE   7,321,748 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 607 11,146 SH   SOLE 1 11,146 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 526,649 9,673,934 SH   SOLE   9,673,934 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,786,039 29,081,823 SH   SOLE   29,081,823 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 20,145 210,280 SH   SOLE 1 210,280 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 8,186 150,844 SH   SOLE 1 150,844 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 2,578,676 47,515,684 SH   SOLE   47,515,684 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,519 61,598 SH   SOLE 1 61,598 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 245,036 5,991,096 SH   SOLE   5,991,096 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 3,408 65,466 SH   SOLE 1 65,466 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 84,092 1,615,295 SH   SOLE   1,615,295 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,837 35,053 SH   SOLE 1 35,053 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 53,817 664,977 SH   SOLE   664,977 0 0