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 196 2,031 SH   SOLE 1 2,031 0 0
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 11,276 116,914 SH   SOLE   116,914 0 0
ALPHABET INC CAP STK CL A 02079K305 281 115 SH   SOLE   115 0 0
ALPHABET INC CAP STK CL C 02079K107 594 237 SH   SOLE   237 0 0
AMAZON COM INC COM 023135106 1,112 323 SH   SOLE   323 0 0
APPLE INC COM 037833100 676 4,937 SH   SOLE   4,937 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 225 811 SH   SOLE   811 0 0
DBX ETF TR XTRACK INTL REAL 233051846 3,087 109,270 SH   SOLE 1 109,270 0 0
DBX ETF TR XTRACK INTL REAL 233051846 439,203 15,547,000 SH   SOLE   15,547,000 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 603 24,820 SH   SOLE 1 24,820 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 550,379 22,668,016 SH   SOLE   22,668,016 0 0
DBX ETF TR XTRACK USD HIGH 233051432 201 4,992 SH   SOLE 1 4,992 0 0
DBX ETF TR XTRACK USD HIGH 233051432 246,331 6,110,912 SH   SOLE   6,110,912 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 603 15,596 SH   SOLE   15,596 0 0
GLOBAL X FDS US PFD ETF 37954Y657 45,216 1,727,794 SH   SOLE   1,727,794 0 0
GLOBAL X FDS US PFD ETF 37954Y657 38 1,433 SH   SOLE 1 1,433 0 0
HUMANA INC COM 444859102 255 576 SH   SOLE   576 0 0
ICAHN ENTERPRISES LP DEPOSITARY UNIT 451100101 747 13,580 SH   SOLE   13,580 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 150,158 5,341,805 SH   SOLE   5,341,805 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 5,525 114,772 SH   SOLE 1 114,772 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 357,620 7,428,741 SH   SOLE   7,428,741 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 257,765 11,039,170 SH   SOLE   11,039,170 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 3,132 134,140 SH   SOLE 1 134,140 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 2,904 75,887 SH   SOLE 1 75,887 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 191,147 4,994,688 SH   SOLE   4,994,688 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 871 39,339 SH   SOLE 1 39,339 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 67,627 3,053,157 SH   SOLE   3,053,157 0 0
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621 401 20,800 SH   SOLE   20,800 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 6,050 37,734 SH   SOLE 1 37,734 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 414,437 2,584,900 SH   SOLE   2,584,900 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 392,786 2,101,924 SH   SOLE   2,101,924 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 5,744 30,740 SH   SOLE 1 30,740 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 563 1,590 SH   SOLE   1,590 0 0
ISHARES GOLD TR ISHARES NEW 464285204 640,708 19,006,458 SH   SOLE   19,006,458 0 0
ISHARES GOLD TR ISHARES NEW 464285204 4,186 124,187 SH   SOLE 1 124,187 0 0
ISHARES INC CORE MSCI EMKT 46434G103 176,302 2,631,771 SH   SOLE   2,631,771 0 0
ISHARES INC CORE MSCI EMKT 46434G103 4,369 65,221 SH   SOLE 1 65,221 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 302 6,562 SH   SOLE   6,562 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 7,308 55,984 SH   SOLE   55,984 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 2 13 SH   SOLE 1 13 0 0
ISHARES TR BROAD USD HIGH 46435U853 29,670 711,177 SH   SOLE   711,177 0 0
ISHARES TR BROAD USD HIGH 46435U853 214 5,141 SH   SOLE 1 5,141 0 0
ISHARES TR CALIF MUN BD ETF 464288356 358,458 5,724,332 SH   SOLE   5,724,332 0 0
ISHARES TR CORE INTL AGGR 46435G672 23,220 421,420 SH   SOLE   421,420 0 0
ISHARES TR CORE INTL AGGR 46435G672 382 6,932 SH   SOLE 1 6,932 0 0
ISHARES TR CORE S&P500 ETF 464287200 639 1,486 SH   SOLE   1,486 0 0
ISHARES TR CORE US AGGBD ET 464287226 171 1,479 SH   SOLE   1,479 0 0
ISHARES TR CORE US AGGBD ET 464287226 241 2,091 SH   SOLE 1 2,091 0 0
ISHARES TR CRE U S REIT ETF 464288521 1,852 31,751 SH   SOLE 1 31,751 0 0
ISHARES TR CRE U S REIT ETF 464288521 93,907 1,609,654 SH   SOLE   1,609,654 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 632 11,526 SH   SOLE   11,526 0 0
ISHARES TR MBS ETF 464288588 976 9,015 SH   SOLE 1 9,015 0 0
ISHARES TR MBS ETF 464288588 145,278 1,342,310 SH   SOLE   1,342,310 0 0
ISHARES TR PFD AND INCM SEC 464288687 1,002 25,485 SH   SOLE 1 25,485 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 206 896 SH   SOLE   896 0 0
MARKETAXESS HLDGS INC COM 57060D108 420 907 SH   SOLE   907 0 0
MICROSOFT CORP COM 594918104 462 1,706 SH   SOLE   1,706 0 0
NVIDIA CORPORATION COM 67066G104 278 347 SH   SOLE   347 0 0
QUANTUMSCAPE CORP COM CL A 74767V109 228 7,785 SH   SOLE   7,785 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 450 8,801 SH   SOLE 1 8,801 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 10 205 SH   SOLE   205 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 1,803 34,307 SH   SOLE 1 34,307 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 1 10 SH   SOLE   10 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,031,700 61,791,361 SH   SOLE   61,791,361 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 10,017 304,647 SH   SOLE 1 304,647 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,272,471 57,603,830 SH   SOLE   57,603,830 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12,472 316,154 SH   SOLE 1 316,154 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 5,799 139,406 SH   SOLE 1 139,406 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,156,527 27,801,132 SH   SOLE   27,801,132 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 651,336 11,453,065 SH   SOLE   11,453,065 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 2,078 36,543 SH   SOLE 1 36,543 0 0
SCHWAB STRATEGIC TR LONG TERM US 808524680 372 7,425 SH   SOLE 1 7,425 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 4,638,164 84,761,777 SH   SOLE   84,761,777 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 21,401 391,095 SH   SOLE 1 391,095 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 13,522 248,618 SH   SOLE 1 248,618 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 3,180,631 58,478,237 SH   SOLE   58,478,237 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 17,519 543,212 SH   SOLE 1 543,212 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 3,015,383 93,500,262 SH   SOLE   93,500,262 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 19,611 589,263 SH   SOLE 1 589,263 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 3,507,999 105,408,615 SH   SOLE   105,408,615 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,823,096 46,448,295 SH   SOLE   46,448,295 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 9,605 244,711 SH   SOLE 1 244,711 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 393 7,189 SH   SOLE 1 7,189 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 154 2,827 SH   SOLE   2,827 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 232 2,228 SH   SOLE   2,228 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 607,926 8,039,219 SH   SOLE   8,039,219 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,737 36,199 SH   SOLE 1 36,199 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 28,443 273,567 SH   SOLE 1 273,567 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,567,274 63,165,089 SH   SOLE   63,165,089 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,031,333 22,523,109 SH   SOLE   22,523,109 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 5,966 130,282 SH   SOLE 1 130,282 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,307,185 41,343,680 SH   SOLE   41,343,680 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 20,729 198,974 SH   SOLE 1 198,974 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 19,205 307,238 SH   SOLE 1 307,238 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,650,669 90,396,240 SH   SOLE   90,396,240 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 276 801 SH   SOLE   801 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 551 1,287 SH   SOLE   1,287 0 0
SPDR SER TR BLOMBRG BRC EMRG 78464A391 376,473 14,244,162 SH   SOLE   14,244,162 0 0
SPDR SER TR BLOMBRG BRC EMRG 78464A391 1,355 51,280 SH   SOLE 1 51,280 0 0
SPDR SER TR BLOOMBERG BRCLYS 78468R622 1,385 12,593 SH   SOLE 1 12,593 0 0
SPDR SER TR BLOOMBERG BRCLYS 78468R622 25 223 SH   SOLE   223 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 14 312 SH   SOLE 1 312 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 3,819 86,370 SH   SOLE   86,370 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 764 14,668 SH   SOLE 1 14,668 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 453,288 8,698,670 SH   SOLE   8,698,670 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 3,104 99,680 SH   SOLE 1 99,680 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 253,702 8,147,136 SH   SOLE   8,147,136 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 8,419 229,399 SH   SOLE 1 229,399 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 708,835 19,314,306 SH   SOLE   19,314,306 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 3 82 SH   SOLE   82 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 885 21,421 SH   SOLE 1 21,421 0 0
TESLA INC COM 88160R101 880 1,294 SH   SOLE   1,294 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 894 28,486 SH   SOLE 1 28,486 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 125,420 3,996,824 SH   SOLE   3,996,824 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 572 6,657 SH   SOLE   6,657 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 35 406 SH   SOLE 1 406 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 92,615 1,621,974 SH   SOLE   1,621,974 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 60 1,049 SH   SOLE 1 1,049 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1 7 SH   SOLE 1 7 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 215 2,109 SH   SOLE   2,109 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 12,614 32,054 SH   SOLE 1 32,054 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 590,518 1,500,606 SH   SOLE   1,500,606 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 321,632 1,427,700 SH   SOLE   1,427,700 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,648 25,070 SH   SOLE 1 25,070 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,002 4,496 SH   SOLE   4,496 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 116 2,142 SH   SOLE 1 2,142 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 149 2,750 SH   SOLE   2,750 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 125,223 917,719 SH   SOLE   917,719 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,290 16,784 SH   SOLE 1 16,784 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,535 26,297 SH   SOLE 1 26,297 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 361,254 6,190,103 SH   SOLE   6,190,103 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 876 15,833 SH   SOLE 1 15,833 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,045,656 18,908,797 SH   SOLE   18,908,797 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 257 3,796 SH   SOLE   3,796 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,528,123 47,629,360 SH   SOLE   47,629,360 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 15,880 167,033 SH   SOLE 1 167,033 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 6,231 116,759 SH   SOLE 1 116,759 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 3,592,432 67,311,822 SH   SOLE   67,311,822 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 228 2,751 SH   SOLE   2,751 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 280,768 5,449,688 SH   SOLE   5,449,688 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,095 79,490 SH   SOLE 1 79,490 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 62,875 600,126 SH   SOLE   600,126 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 75 1,105 SH   SOLE 1 1,105 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 104,590 1,538,542 SH   SOLE   1,538,542 0 0