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 202 2,038 SH   SOLE 1 2,038 0 0
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 11,454 115,752 SH   SOLE   115,752 0 0
ALPHABET INC CAP STK CL C 02079K107 405 231 SH   SOLE   231 0 0
AMAZON COM INC COM 023135106 616 189 SH   SOLE   189 0 0
APPLE INC COM 037833100 611 4,605 SH   SOLE   4,605 0 0
DBX ETF TR XTRACK INTL REAL 233051846 1,859 69,546 SH   SOLE 1 69,546 0 0
DBX ETF TR XTRACK INTL REAL 233051846 315,676 11,809,800 SH   SOLE   11,809,800 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 435,882 18,812,358 SH   SOLE   18,812,358 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 3,301 142,467 SH   SOLE 1 142,467 0 0
DBX ETF TR XTRACK USD HIGH 233051432 266 5,318 SH   SOLE 1 5,318 0 0
DBX ETF TR XTRACK USD HIGH 233051432 224,445 4,480,838 SH   SOLE   4,480,838 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 578 21,093 SH   SOLE   21,093 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 14 497 SH   SOLE 1 497 0 0
GLOBAL X FDS US PFD ETF 37954Y657 176 6,827 SH   SOLE 1 6,827 0 0
GLOBAL X FDS US PFD ETF 37954Y657 38,615 1,496,710 SH   SOLE   1,496,710 0 0
HUMANA INC COM 444859102 238 580 SH   SOLE   580 0 0
ICAHN ENTERPRISES LP DEPOSITARY UNIT 451100101 417 8,235 SH   SOLE   8,235 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 147,167 5,255,975 SH   SOLE   5,255,975 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 5,473 128,960 SH   SOLE 1 128,960 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 335,662 7,909,104 SH   SOLE   7,909,104 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 244,645 11,561,680 SH   SOLE   11,561,680 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 3,058 144,504 SH   SOLE 1 144,504 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 2,967 85,864 SH   SOLE 1 85,864 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 188,747 5,461,430 SH   SOLE   5,461,430 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 63,966 2,871,019 SH   SOLE   2,871,019 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 809 36,311 SH   SOLE 1 36,311 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 375,004 2,815,343 SH   SOLE   2,815,343 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 5,676 42,611 SH   SOLE 1 42,611 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 384,379 2,546,565 SH   SOLE   2,546,565 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 5,657 37,478 SH   SOLE 1 37,478 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 390 1,243 SH   SOLE   1,243 0 0
ISHARES GOLD TRUST ISHARES 464285105 611,002 33,701,141 SH   SOLE   33,701,141 0 0
ISHARES GOLD TRUST ISHARES 464285105 2,946 162,517 SH   SOLE 1 162,517 0 0
ISHARES INC CORE MSCI EMKT 46434G103 2,565 41,341 SH   SOLE 1 41,341 0 0
ISHARES INC CORE MSCI EMKT 46434G103 161,288 2,599,749 SH   SOLE   2,599,749 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 437 9,608 SH   SOLE   9,608 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 10,111 76,037 SH   SOLE   76,037 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 66 500 SH   SOLE 1 500 0 0
ISHARES TR BROAD USD HIGH 46435U853 32,296 782,752 SH   SOLE   782,752 0 0
ISHARES TR BROAD USD HIGH 46435U853 628 15,229 SH   SOLE 1 15,229 0 0
ISHARES TR CALIF MUN BD ETF 464288356 244,372 3,889,412 SH   SOLE   3,889,412 0 0
ISHARES TR CORE INTL AGGR 46435G672 238 4,236 SH   SOLE 1 4,236 0 0
ISHARES TR CORE INTL AGGR 46435G672 33,384 593,909 SH   SOLE   593,909 0 0
ISHARES TR CORE S&P500 ETF 464287200 238 634 SH   SOLE   634 0 0
ISHARES TR CRE U S REIT ETF 464288521 84,154 1,738,366 SH   SOLE   1,738,366 0 0
ISHARES TR CRE U S REIT ETF 464288521 1,769 36,538 SH   SOLE 1 36,538 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 231 4,183 SH   SOLE   4,183 0 0
ISHARES TR MBS ETF 464288588 98,864 897,705 SH   SOLE   897,705 0 0
ISHARES TR MBS ETF 464288588 1,669 15,159 SH   SOLE 1 15,159 0 0
ISHARES TR NATIONAL MUN ETF 464288414 282 2,409 SH   SOLE   2,409 0 0
ISHARES TR PFD AND INCM SEC 464288687 593 15,410 SH   SOLE 1 15,410 0 0
ISHARES TR PFD AND INCM SEC 464288687 1 37 SH   SOLE   37 0 0
MICROSOFT CORP COM 594918104 340 1,528 SH   SOLE   1,528 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 207 4,037 SH   SOLE 1 4,037 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 13 252 SH   SOLE   252 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 1,216 22,657 SH   SOLE 1 22,657 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 25 468 SH   SOLE   468 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 6,679 217,909 SH   SOLE 1 217,909 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,681,143 54,849,696 SH   SOLE   54,849,696 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,861,658 51,698,349 SH   SOLE   51,698,349 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,788 216,280 SH   SOLE 1 216,280 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 952,892 25,309,222 SH   SOLE   25,309,222 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 3,562 94,605 SH   SOLE 1 94,605 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 3,099 53,226 SH   SOLE 1 53,226 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 654,061 11,234,293 SH   SOLE   11,234,293 0 0
SCHWAB STRATEGIC TR LONG TERM US 808524680 7 121 SH   SOLE   121 0 0
SCHWAB STRATEGIC TR LONG TERM US 808524680 606 11,061 SH   SOLE 1 11,061 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 3,659,471 80,800,865 SH   SOLE   80,800,865 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 13,243 292,395 SH   SOLE 1 292,395 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 2,654,285 61,842,604 SH   SOLE   61,842,604 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 8,188 190,771 SH   SOLE 1 190,771 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 2,370,434 83,879,471 SH   SOLE   83,879,471 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 11,033 390,410 SH   SOLE 1 390,410 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 11,674 398,699 SH   SOLE 1 398,699 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,832,952 96,753,810 SH   SOLE   96,753,810 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,439,977 41,402,447 SH   SOLE   41,402,447 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 5,743 165,130 SH   SOLE 1 165,130 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 76 1,360 SH   SOLE   1,360 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 197 3,523 SH   SOLE 1 3,523 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 6,033 94,057 SH   SOLE 1 94,057 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 476,507 7,429,164 SH   SOLE   7,429,164 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 19,745 217,096 SH   SOLE 1 217,096 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,236,951 57,580,548 SH   SOLE   57,580,548 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 3,507 92,353 SH   SOLE 1 92,353 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 786,934 20,725,160 SH   SOLE   20,725,160 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 15,647 175,809 SH   SOLE 1 175,809 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,720,125 41,799,152 SH   SOLE   41,799,152 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,556,678 89,508,339 SH   SOLE   89,508,339 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 17,877 287,972 SH   SOLE 1 287,972 0 0
SPDR SER TR BLOMBRG BRC EMRG 78464A391 356,094 12,694,968 SH   SOLE   12,694,968 0 0
SPDR SER TR BLOMBRG BRC EMRG 78464A391 1,081 38,549 SH   SOLE 1 38,549 0 0
SPDR SER TR BLOOMBERG BRCLYS 78468R622 23 213 SH   SOLE   213 0 0
SPDR SER TR BLOOMBERG BRCLYS 78468R622 799 7,332 SH   SOLE 1 7,332 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 477,276 9,092,699 SH   SOLE   9,092,699 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 771 14,695 SH   SOLE 1 14,695 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 357,292 11,462,680 SH   SOLE   11,462,680 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 5,784 185,567 SH   SOLE 1 185,567 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 556,798 14,975,729 SH   SOLE   14,975,729 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 1,917 51,573 SH   SOLE 1 51,573 0 0
SPDR SER TR WELLS FG PFD ETF 78464A292 115 2,592 SH   SOLE 1 2,592 0 0
SPDR SER TR WELLS FG PFD ETF 78464A292 4,621 104,054 SH   SOLE   104,054 0 0
TESLA INC COM 88160R101 951 1,347 SH   SOLE   1,347 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 148,143 4,452,764 SH   SOLE   4,452,764 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 1,220 36,683 SH   SOLE 1 36,683 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 30 507 SH   SOLE 1 507 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 52,580 898,037 SH   SOLE   898,037 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 7,034 20,467 SH   SOLE 1 20,467 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 501,428 1,458,954 SH   SOLE   1,458,954 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 296,529 1,523,161 SH   SOLE   1,523,161 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,557 18,272 SH   SOLE 1 18,272 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 216 1,112 SH   SOLE   1,112 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 122,750 1,007,470 SH   SOLE   1,007,470 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,180 17,889 SH   SOLE 1 17,889 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 373,684 6,880,566 SH   SOLE   6,880,566 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,687 31,060 SH   SOLE 1 31,060 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 643 11,656 SH   SOLE 1 11,656 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 636,276 11,528,832 SH   SOLE   11,528,832 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 19,025 195,852 SH   SOLE 1 195,852 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,007,835 30,963,923 SH   SOLE   30,963,923 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 2,759,911 51,043,301 SH   SOLE   51,043,301 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 5,861 108,399 SH   SOLE 1 108,399 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,397 71,953 SH   SOLE 1 71,953 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 273,222 5,787,367 SH   SOLE   5,787,367 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 344 3,761 SH   SOLE 1 3,761 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 58,776 642,292 SH   SOLE   642,292 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 94,638 1,557,063 SH   SOLE   1,557,063 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 1,781 29,306 SH   SOLE 1 29,306 0 0