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
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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
ALPHABET INC CAP STK CL A 02079K305 23,504 11,396 SH   SOLE   11,396 0 0
AMAZON COM INC COM 023135106 25,433 8,220 SH   SOLE   8,220 0 0
APPLE INC COM 037833100 36,799 301,260 SH   SOLE   301,260 0 0
BROADMARK RLTY CAP INC COM 11135B100 70,767 6,765,441 SH   SOLE   6,765,441 0 0
FACEBOOK INC CL A 30303M102 13,639 46,308 SH   SOLE   46,308 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 17,475 789,663 SH   SOLE   789,663 0 0
ISHARES TR 0-5YR HI YL CP 46434v407 769 16,778 SH   SOLE   16,778 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 527,225 4,059,008 SH   SOLE   4,059,008 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 635 5,621 SH   SOLE   5,621 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,511 13,278 SH   SOLE   13,278 0 0
ISHARES TR EAFE GRWTH ETF 464288885 1,023 10,188 SH   SOLE   10,188 0 0
ISHARES TR EAFE VALUE ETF 464288877 36,753 721,078 SH   SOLE   721,078 0 0
ISHARES TR IBOXX INV CP ETF 464287242 692 5,319 SH   SOLE   5,319 0 0
ISHARES TR MSCI ACWI ETF 464288257 49,879 524,220 SH   SOLE   524,220 0 0
ISHARES TR MSCI EAFE ETF 464287465 109,141 1,438,520 SH   SOLE   1,438,520 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 5,143 96,428 SH   SOLE   96,428 0 0
ISHARES TR MSCI INTL VLU FT 46435G409 71,472 2,826,113 SH   SOLE   2,826,113 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 697,242 2,939,096 SH   SOLE   2,939,096 0 0
ISHARES TR S&P 100 ETF 464287101 7,101 39,486 SH   SOLE   39,486 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 36,166 555,467 SH   SOLE   555,467 0 0
ISHARES TR US TREAS BD ETF 46429B267 2,071 79,068 SH   SOLE   79,068 0 0
MICROSOFT CORP COM 594918104 33,625 142,617 SH   SOLE   142,617 0 0
OWL ROCK CAPITAL CORPORATION COM 69121K104 23,914 1,736,645 SH   SOLE   1,736,645 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 381,232 10,133,767 SH   SOLE   10,133,767 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 440,905 4,559,038 SH   SOLE   4,559,038 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 73,742 2,320,394 SH   SOLE   2,320,394 0 0
SPDR GOLD TR GOLD SHS 78463V107 19,578 122,395 SH   SOLE   122,395 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 68,915 173,883 SH   SOLE   173,883 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 68,773 1,219,375 SH   SOLE   1,219,375 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,300 5,056 SH   SOLE   5,056 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 523,515 2,532,851 SH   SOLE   2,532,851 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 271,082 2,062,086 SH   SOLE   2,062,086 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 265,441 5,099,730 SH   SOLE   5,099,730 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 9,172 94,271 SH   SOLE   94,271 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 375,820 7,291,817 SH   SOLE   7,291,817 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 570,294 10,437,302 SH   SOLE   10,437,302 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206c706 258 3,842 SH   SOLE   3,842 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 372,355 7,582,064 SH   SOLE   7,582,064 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 12,845 209,297 SH   SOLE   209,297 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 10,227 138,676 SH   SOLE   138,676 0 0
VANGUARD WORLD FDS INF TECH ETF 92204a702 16,752 46,728 SH   SOLE   46,728 0 0
WAYFAIR INC CL A 94419L101 3,558 11,305 SH   SOLE   11,305 0 0