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
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 114,222 4,233,570 SH   SOLE   0 0 4,233,570
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 79,941 1,149,325 SH   SOLE   0 0 1,149,325
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 76,339 749,962 SH   SOLE   0 0 749,962
ISHARES TR CORE MSCI EAFE 46432F842 67,805 905,753 SH   SOLE   0 0 905,753
SPDR S&P 500 ETF TR TR UNIT 78462F103 65,641 153,346 SH   SOLE   0 0 153,346
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 55,302 1,043,440 SH   SOLE   0 0 1,043,440
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 52,192 607,662 SH   SOLE   0 0 607,662
SPDR SER TR PORTFLI TIPS ETF 78464A656 41,976 1,347,982 SH   SOLE   0 0 1,347,982
ISHARES TR CORE S&P TTL STK 464287150 40,743 412,544 SH   SOLE   0 0 412,544
ISHARES TR ISHS 1-5YR INVS 464288646 26,421 482,051 SH   SOLE   0 0 482,051
VANGUARD INDEX FDS TOTAL STK MKT 922908769 26,421 118,575 SH   SOLE   0 0 118,575
ISHARES TR TIPS BD ETF 464287176 24,264 189,549 SH   SOLE   0 0 189,549
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 21,901 403,268 SH   SOLE   0 0 403,268
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 21,459 416,514 SH   SOLE   0 0 416,514
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 19,961 479,839 SH   SOLE   0 0 479,839
SCHWAB STRATEGIC TR US TIPS ETF 808524870 19,389 310,172 SH   SOLE   0 0 310,172
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 19,212 631,359 SH   SOLE   0 0 631,359
VANGUARD INDEX FDS MID CAP ETF 922908629 18,668 78,653 SH   SOLE   0 0 78,653
SPDR SER TR PRTFLO S&P500 VL 78464A508 18,528 468,599 SH   SOLE   0 0 468,599
ISHARES TR CORE INTL AGGR 46435G672 18,466 335,134 SH   SOLE   0 0 335,134
SPDR SER TR PORTFOLI S&P1500 78464A805 17,396 328,409 SH   SOLE   0 0 328,409
SPDR SER TR PORTFOLIO S&P600 78468R853 15,794 359,447 SH   SOLE   0 0 359,447
ISHARES TR CALIF MUN BD ETF 464288356 14,618 233,432 SH   SOLE   0 0 233,432
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 13,627 221,829 SH   SOLE   0 0 221,829
VANGUARD INDEX FDS VALUE ETF 922908744 13,516 98,326 SH   SOLE   0 0 98,326
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 12,850 225,035 SH   SOLE   0 0 225,035
FLEXSHARES TR MORNSTAR UPSTR 33939L407 12,005 313,518 SH   SOLE   0 0 313,518
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 11,962 325,139 SH   SOLE   0 0 325,139
ISHARES TR EAFE SML CP ETF 464288273 11,948 161,112 SH   SOLE   0 0 161,112
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 10,219 174,980 SH   SOLE   0 0 174,980
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 9,801 119,288 SH   SOLE   0 0 119,288
ISHARES TR CRE U S REIT ETF 464288521 9,485 162,584 SH   SOLE   0 0 162,584
ISHARES TR IBOXX HI YD ETF 464288513 9,159 104,034 SH   SOLE   0 0 104,034
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,058 40,206 SH   SOLE   0 0 40,206
ISHARES TR S&P 500 VAL ETF 464287408 8,437 57,148 SH   SOLE   0 0 57,148
APPLE INC COM 037833100 8,282 60,471 SH   SOLE   0 0 60,471
SPDR SER TR PORTFOLIO AGRGTE 78464A649 7,440 247,913 SH   SOLE   0 0 247,913
ISHARES INC CORE MSCI EMKT 46434G103 6,616 98,759 SH   SOLE   0 0 98,759
ISHARES TR CORE US AGGBD ET 464287226 6,247 54,165 SH   SOLE   0 0 54,165
ISHARES TR CORE S&P MCP ETF 464287507 5,403 20,107 SH   SOLE   0 0 20,107
MICROSOFT CORP COM 594918104 5,222 19,276 SH   SOLE   0 0 19,276
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 5,045 79,592 SH   SOLE   0 0 79,592
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 5,019 35,724 SH   SOLE   0 0 35,724
ISHARES TR 1 3 YR TREAS BD 464287457 4,974 57,732 SH   SOLE   0 0 57,732
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,952 63,269 SH   SOLE   0 0 63,269
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 4,779 123,619 SH   SOLE   0 0 123,619
SPDR SER TR PORTFOLIO S&P400 78464A847 4,751 100,629 SH   SOLE   0 0 100,629
SPDR SER TR BLOMBERG INTL TR 78464A516 4,707 160,384 SH   SOLE   0 0 160,384
ISHARES TR PFD AND INCM SEC 464288687 4,637 117,894 SH   SOLE   0 0 117,894
ISHARES TR JPMORGAN USD EMG 464288281 4,436 39,444 SH   SOLE   0 0 39,444
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 4,304 96,056 SH   SOLE   0 0 96,056
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,092 103,737 SH   SOLE   0 0 103,737
ISHARES TR CORE S&P SCP ETF 464287804 4,083 36,142 SH   SOLE   0 0 36,142
ISHARES TR CORE S&P500 ETF 464287200 3,686 8,574 SH   SOLE   0 0 8,574
MVB FINL CORP COM 553810102 3,619 84,824 SH   SOLE   0 0 84,824
ISHARES TR NORTH AMERN NAT 464287374 3,231 106,190 SH   SOLE   0 0 106,190
UNITED PARCEL SERVICE INC CL B 911312106 3,057 14,699 SH   SOLE   0 0 14,699
CORNERSTONE STRATEGIC VALUE COM 21924B302 2,872 247,354 SH   SOLE   0 0 247,354
CORNERSTONE TOTAL RETURN FD COM 21924U300 2,833 249,614 SH   SOLE   0 0 249,614
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,751 40,240 SH   SOLE   0 0 40,240
TESLA INC COM 88160R101 2,748 4,043 SH   SOLE   0 0 4,043
SEMPRA ENERGY COM 816851109 2,654 20,034 SH   SOLE   0 0 20,034
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,629 57,782 SH   SOLE   0 0 57,782
ISHARES TR S&P MC 400VL ETF 464287705 2,481 23,555 SH   SOLE   0 0 23,555
ISHARES TR MSCI USA QLT FCT 46432F339 2,473 18,614 SH   SOLE   0 0 18,614
AMAZON COM INC COM 023135106 2,329 677 SH   SOLE   0 0 677
HOME DEPOT INC COM 437076102 2,249 7,053 SH   SOLE   0 0 7,053
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 2,224 36,268 SH   SOLE   0 0 36,268
QUALCOMM INC COM 747525103 2,125 14,869 SH   SOLE   0 0 14,869
ABBVIE INC COM 00287Y109 1,907 16,926 SH   SOLE   0 0 16,926
ISHARES TR RUS 2000 VAL ETF 464287630 1,892 11,412 SH   SOLE   0 0 11,412
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,882 13,792 SH   SOLE   0 0 13,792
ISHARES INC EM MKT SM-CP ETF 464286475 1,847 29,471 SH   SOLE   0 0 29,471
ABBOTT LABS COM 002824100 1,809 15,601 SH   SOLE   0 0 15,601
ISHARES TR SP SMCP600VL ETF 464287879 1,763 16,726 SH   SOLE   0 0 16,726
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 1,731 26,735 SH   SOLE   0 0 26,735
AON PLC SHS CL A G0403H108 1,726 7,230 SH   SOLE   0 0 7,230
ISHARES TR RUS 1000 GRW ETF 464287614 1,713 6,309 SH   SOLE   0 0 6,309
ISHARES INC MSCI BRIC INDX 464286657 1,710 31,268 SH   SOLE   0 0 31,268
AVALARA INC COM 05338G106 1,673 10,339 SH   SOLE   0 0 10,339
EDWARDS LIFESCIENCES CORP COM 28176E108 1,638 15,816 SH   SOLE   0 0 15,816
ISHARES INC MSCI EMERG MKT 46434G889 1,614 29,786 SH   SOLE   0 0 29,786
ISHARES TR RUS MDCP VAL ETF 464287473 1,573 13,683 SH   SOLE   0 0 13,683
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,542 22,833 SH   SOLE   0 0 22,833
MERCK & CO INC COM 58933Y105 1,539 19,791 SH   SOLE   0 0 19,791
ISHARES TR INTL TREA BD ETF 464288117 1,349 25,815 SH   SOLE   0 0 25,815
DISNEY WALT CO COM 254687106 1,216 6,917 SH   SOLE   0 0 6,917
JOHNSON & JOHNSON COM 478160104 1,211 7,351 SH   SOLE   0 0 7,351
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,182 5,002 SH   SOLE   0 0 5,002
GENERAL DYNAMICS CORP COM 369550108 1,121 5,954 SH   SOLE   0 0 5,954
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,097 23,949 SH   SOLE   0 0 23,949
PFIZER INC COM 717081103 981 25,052 SH   SOLE   0 0 25,052
SPDR SER TR S&P 400 MDCP GRW 78464A821 978 12,620 SH   SOLE   0 0 12,620
ISHARES TR RUSSELL 3000 ETF 464287689 965 3,770 SH   SOLE   0 0 3,770
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 959 5,087 SH   SOLE   0 0 5,087
LOCKHEED MARTIN CORP COM 539830109 937 2,477 SH   SOLE   0 0 2,477
BOEING CO COM 097023105 896 3,741 SH   SOLE   0 0 3,741
INTEL CORP COM 458140100 893 15,908 SH   SOLE   0 0 15,908
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 876 17,101 SH   SOLE   0 0 17,101
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 858 8,227 SH   SOLE   0 0 8,227
VISA INC COM CL A 92826C839 835 3,570 SH   SOLE   0 0 3,570
UNITEDHEALTH GROUP INC COM 91324P102 809 2,021 SH   SOLE   0 0 2,021
CHARTER COMMUNICATIONS INC N CL A 16119P108 785 1,088 SH   SOLE   0 0 1,088
PNC FINL SVCS GROUP INC COM 693475105 773 4,050 SH   SOLE   0 0 4,050
ALPHABET INC CAP STK CL C 02079K107 749 299 SH   SOLE   0 0 299
INTEGRA LIFESCIENCES HLDGS C COM NEW 457985208 732 10,724 SH   SOLE   0 0 10,724
VANGUARD INDEX FDS SM CP VAL ETF 922908611 730 4,206 SH   SOLE   0 0 4,206
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 725 13,270 SH   SOLE   0 0 13,270
ALPHABET INC CAP STK CL A 02079K305 718 294 SH   SOLE   0 0 294
ISHARES GOLD TR ISHARES NEW 464285204 706 20,934 SH   SOLE   0 0 20,934
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 666 1,693 SH   SOLE   0 0 1,693
ISHARES TR MSCI ACWI ETF 464288257 655 6,474 SH   SOLE   0 0 6,474
VANGUARD INDEX FDS LARGE CAP ETF 922908637 654 3,256 SH   SOLE   0 0 3,256
LEIDOS HOLDINGS INC COM 525327102 650 6,427 SH   SOLE   0 0 6,427
AMEREN CORP COM 023608102 649 8,113 SH   SOLE   0 0 8,113
INVESCO QQQ TR UNIT SER 1 46090E103 641 1,810 SH   SOLE   0 0 1,810
VANECK VECTORS ETF TR NAT RES ETF 92189F841 634 13,724 SH   SOLE   0 0 13,724
ISHARES TR CORE S&P US VLU 464287663 634 8,804 SH   SOLE   0 0 8,804
ISHARES TR MSCI EAFE ETF 464287465 633 8,025 SH   SOLE   0 0 8,025
ISHARES TR RUS 1000 VAL ETF 464287598 627 3,952 SH   SOLE   0 0 3,952
ISHARES TR 0-5 YR TIPS ETF 46429B747 625 5,876 SH   SOLE   0 0 5,876
BAXTER INTL INC COM 071813109 617 7,659 SH   SOLE   0 0 7,659
WELLS FARGO CO NEW COM 949746101 596 13,152 SH   SOLE   0 0 13,152
PERKINELMER INC COM 714046109 591 3,825 SH   SOLE   0 0 3,825
SPDR SER TR PRTFLO S&P500 GW 78464A409 588 9,341 SH   SOLE   0 0 9,341
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,487 5,349 SH   SOLE   0 0 5,349
LILLY ELI & CO COM 532457108 577 2,512 SH   SOLE   0 0 2,512
FIRSTENERGY CORP COM 337932107 562 15,108 SH   SOLE   0 0 15,108
NVIDIA CORPORATION COM 67066G104 489 611 SH   SOLE   0 0 611
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 482 14,662 SH   SOLE   0 0 14,662
BK OF AMERICA CORP COM 060505104 458 11,120 SH   SOLE   0 0 11,120
MCDONALDS CORP COM 580135101 456 1,973 SH   SOLE   0 0 1,973
AMGEN INC COM 031162100 419 1,719 SH   SOLE   0 0 1,719
PHILIP MORRIS INTL INC COM 718172109 415 4,189 SH   SOLE   0 0 4,189
JPMORGAN CHASE & CO COM 46625H100 408 2,622 SH   SOLE   0 0 2,622
BECTON DICKINSON & CO COM 075887109 404 1,661 SH   SOLE   0 0 1,661
ANTHEM INC COM 036752103 374 980 SH   SOLE   0 0 980
RAYTHEON TECHNOLOGIES CORP COM 75513E101 371 4,354 SH   SOLE   0 0 4,354
COLGATE PALMOLIVE CO COM 194162103 368 4,528 SH   SOLE   0 0 4,528
PROCTER AND GAMBLE CO COM 742718109 363 2,689 SH   SOLE   0 0 2,689
ISHARES TR ESG AWR US AGRGT 46435U549 354 6,392 SH   SOLE   0 0 6,392
SCIENCE APPLICATIONS INTL CO COM 808625107 348 3,966 SH   SOLE   0 0 3,966
ISHARES SILVER TR ISHARES 46428Q109 343 14,151 SH   SOLE   0 0 14,151
COSTCO WHSL CORP NEW COM 22160K105 338 854 SH   SOLE   0 0 854
ISHARES TR RUS MD CP GR ETF 464287481 331 2,920 SH   SOLE   0 0 2,920
SPDR SER TR FTSE INT GVT ETF 78464A490 324 5,735 SH   SOLE   0 0 5,735
PRUDENTIAL FINL INC COM 744320102 323 3,156 SH   SOLE   0 0 3,156
WALMART INC COM 931142103 323 2,293 SH   SOLE   0 0 2,293
ISHARES TR CORE MSCI TOTAL 46432F834 323 4,410 SH   SOLE   0 0 4,410
PEPSICO INC COM 713448108 320 2,157 SH   SOLE   0 0 2,157
ISHARES TR MBS ETF 464288588 319 2,952 SH   SOLE   0 0 2,952
ISHARES TR MSCI EMG MKT ETF 464287234 315 5,719 SH   SOLE   0 0 5,719
PPL CORP COM 69351T106 313 11,186 SH   SOLE   0 0 11,186
ISHARES TR U.S. REAL ES ETF 464287739 311 3,049 SH   SOLE   0 0 3,049
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 304 2,915 SH   SOLE   0 0 2,915
CATERPILLAR INC COM 149123101 302 1,387 SH   SOLE   0 0 1,387
SERVICENOW INC COM 81762P102 302 549 SH   SOLE   0 0 549
CISCO SYS INC COM 17275R102 296 5,578 SH   SOLE   0 0 5,578
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 291 5,703 SH   SOLE   0 0 5,703
ADOBE SYSTEMS INCORPORATED COM 00724F101 290 496 SH   SOLE   0 0 496
ISHARES INC MSCI EMRG CHN 46434G764 289 4,630 SH   SOLE   0 0 4,630
LABORATORY CORP AMER HLDGS COM NEW 50540R409 287 1,042 SH   SOLE   0 0 1,042
ISHARES TR ESG AW MSCI EAFE 46435G516 287 3,629 SH   SOLE   0 0 3,629
CHEVRON CORP NEW COM 166764100 283 2,699 SH   SOLE   0 0 2,699
CREDIT SUISSE AG NASSAU BRH LG CAP GRTH ENH 22542D423 276 401 SH   SOLE   0 0 401
NORDSTROM INC COM 655664100 270 7,386 SH   SOLE   0 0 7,386
VANGUARD WORLD FD EXTENDED DUR 921910709 269 1,989 SH   SOLE   0 0 1,989
NORTHROP GRUMMAN CORP COM 666807102 269 740 SH   SOLE   0 0 740
THERMO FISHER SCIENTIFIC INC COM 883556102 269 533 SH   SOLE   0 0 533
3M CO COM 88579Y101 265 1,336 SH   SOLE   0 0 1,336
DUPONT DE NEMOURS INC COM 26614N102 263 3,396 SH   SOLE   0 0 3,396
FACEBOOK INC CL A 30303M102 262 753 SH   SOLE   0 0 753
AECOM COM 00766T100 259 4,098 SH   SOLE   0 0 4,098
CIGNA CORP NEW COM 125523100 258 1,088 SH   SOLE   0 0 1,088
NUVEEN CA QUALTY MUN INCOME COM 67066Y105 248 15,632 SH   SOLE   0 0 15,632
ISHARES TR RUS 1000 ETF 464287622 246 1,017 SH   SOLE   0 0 1,017
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 243 2,942 SH   SOLE   0 0 2,942
EDISON INTL COM 281020107 241 4,174 SH   SOLE   0 0 4,174
CLOROX CO DEL COM 189054109 239 1,330 SH   SOLE   0 0 1,330
ILLUMINA INC COM 452327109 236 498 SH   SOLE   0 0 498
VANGUARD WORLD FDS INF TECH ETF 92204A702 234 586 SH   SOLE   0 0 586
WHEATON PRECIOUS METALS CORP COM 962879102 234 5,300 SH   SOLE   0 0 5,300
BRISTOL-MYERS SQUIBB CO COM 110122108 230 3,446 SH   SOLE   0 0 3,446
NETFLIX INC COM 64110L106 226 427 SH   SOLE   0 0 427
MICRON TECHNOLOGY INC COM 595112103 226 2,654 SH   SOLE   0 0 2,654
AT&T INC COM 00206R102 225 7,834 SH   SOLE   0 0 7,834
ALTRIA GROUP INC COM 02209S103 225 4,726 SH   SOLE   0 0 4,726
DOW INC COM 260557103 224 3,537 SH   SOLE   0 0 3,537
TARGET CORP COM 87612E106 221 913 SH   SOLE   0 0 913
RLI CORP COM 749607107 214 2,045 SH   SOLE   0 0 2,045
MASTERCARD INCORPORATED CL A 57636Q104 213 584 SH   SOLE   0 0 584
VERIZON COMMUNICATIONS INC COM 92343V104 207 3,691 SH   SOLE   0 0 3,691
PIMCO CALIF MUN INCOME FD II COM 72200M108 203 21,072 SH   SOLE   0 0 21,072
KINDER MORGAN INC DEL COM 49456B101 197 10,828 SH   SOLE   0 0 10,828
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 164 15,414 SH   SOLE   0 0 15,414
EVOKE PHARMA INC COM 30049G104 24 17,647 SH   SOLE   0 0 17,647
VIRTUS ALLIANZGI CONVERTIBLE COM 92838X102 99 16,183 SH   SOLE   0 0 16,183