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 10,600 118,501 SH   SOLE   118,501 0 0
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 200 2,231 SH   SOLE 1 2,231 0 0
ALPHABET INC CAP STK CL A 02079K305 351 121 SH   SOLE   121 0 0
AMAZON COM INC COM 023135106 361 108 SH   SOLE   108 0 0
APPLE INC COM 037833100 934 5,261 SH   SOLE   5,261 0 0
AT&T INC COM 00206R102 334 13,579 SH   SOLE   13,579 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 307 1,028 SH   SOLE   1,028 0 0
CISCO SYS INC COM 17275R102 220 3,479 SH   SOLE   3,479 0 0
DBX ETF TR XTRACK INTL REAL 233051846 3,826 136,658 SH   SOLE 1 136,658 0 0
DBX ETF TR XTRACK INTL REAL 233051846 529,227 18,903,659 SH   SOLE   18,903,659 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 615,335 26,018,414 SH   SOLE   26,018,414 0 0
DBX ETF TR XTRACK USD HIGH 233051432 263,736 6,619,882 SH   SOLE   6,619,882 0 0
DBX ETF TR XTRACK USD HIGH 233051432 163 4,092 SH   SOLE 1 4,092 0 0
EXXON MOBIL CORP COM 30231G102 255 4,161 SH   SOLE   4,161 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 455 13,001 SH   SOLE   13,001 0 0
GLOBAL X FDS US PFD ETF 37954Y657 48,641 1,888,234 SH   SOLE   1,888,234 0 0
HOME DEPOT INC COM 437076102 266 642 SH   SOLE   642 0 0
HUMANA INC COM 444859102 267 576 SH   SOLE   576 0 0
ICAHN ENTERPRISES LP DEPOSITARY UNIT 451100101 780 15,725 SH   SOLE   15,725 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 176,766 6,335,685 SH   SOLE   6,335,685 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 455,695 9,617,881 SH   SOLE   9,617,881 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 6,725 141,932 SH   SOLE 1 141,932 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 3,739 170,822 SH   SOLE 1 170,822 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 319,863 14,612,280 SH   SOLE   14,612,280 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 242,450 6,590,106 SH   SOLE   6,590,106 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 3,719 101,082 SH   SOLE 1 101,082 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 73,178 3,311,206 SH   SOLE   3,311,206 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 897 40,577 SH   SOLE 1 40,577 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 485,419 2,827,133 SH   SOLE   2,827,133 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 7,226 42,085 SH   SOLE 1 42,085 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 454,953 2,373,131 SH   SOLE   2,373,131 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 6,631 34,589 SH   SOLE 1 34,589 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,334 3,352 SH   SOLE   3,352 0 0
ISHARES GOLD TR ISHARES NEW 464285204 5,056 145,251 SH   SOLE 1 145,251 0 0
ISHARES GOLD TR ISHARES NEW 464285204 721,542 20,728,010 SH   SOLE   20,728,010 0 0
ISHARES INC CORE MSCI EMKT 46434G103 230,676 3,853,588 SH   SOLE   3,853,588 0 0
ISHARES INC CORE MSCI EMKT 46434G103 5,573 93,097 SH   SOLE 1 93,097 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 280 6,173 SH   SOLE   6,173 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 7,227 56,167 SH   SOLE   56,167 0 0
ISHARES TR BROAD USD HIGH 46435U853 27,700 672,503 SH   SOLE   672,503 0 0
ISHARES TR BROAD USD HIGH 46435U853 177 4,294 SH   SOLE 1 4,294 0 0
ISHARES TR CALIF MUN BD ETF 464288356 375,173 6,019,147 SH   SOLE   6,019,147 0 0
ISHARES TR CORE INTL AGGR 46435G672 29,651 543,758 SH   SOLE   543,758 0 0
ISHARES TR CORE INTL AGGR 46435G672 389 7,128 SH   SOLE 1 7,128 0 0
ISHARES TR CORE S&P500 ETF 464287200 711 1,491 SH   SOLE   1,491 0 0
ISHARES TR CORE US AGGBD ET 464287226 241 2,111 SH   SOLE 1 2,111 0 0
ISHARES TR CORE US AGGBD ET 464287226 179 1,572 SH   SOLE   1,572 0 0
ISHARES TR CRE U S REIT ETF 464288521 101,559 1,502,579 SH   SOLE   1,502,579 0 0
ISHARES TR CRE U S REIT ETF 464288521 2,044 30,242 SH   SOLE 1 30,242 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 776 14,401 SH   SOLE   14,401 0 0
ISHARES TR MBS ETF 464288588 232,454 2,163,773 SH   SOLE   2,163,773 0 0
ISHARES TR MBS ETF 464288588 979 9,110 SH   SOLE 1 9,110 0 0
ISHARES TR PFD AND INCM SEC 464288687 1,108 28,088 SH   SOLE 1 28,088 0 0
ISHARES TR PFD AND INCM SEC 464288687 36 919 SH   SOLE   919 0 0
JOHNSON & JOHNSON COM 478160104 227 1,324 SH   SOLE   1,324 0 0
JPMORGAN CHASE & CO COM 46625H100 255 1,610 SH   SOLE   1,610 0 0
LUCID GROUP INC COM 549498103 371 9,759 SH   SOLE   9,759 0 0
MICROSOFT CORP COM 594918104 820 2,439 SH   SOLE   2,439 0 0
NVIDIA CORPORATION COM 67066G104 432 1,469 SH   SOLE   1,469 0 0
PROCTER AND GAMBLE CO COM 742718109 227 1,388 SH   SOLE   1,388 0 0
REE AUTOMOTIVE LTD CLASS A ORD SHS M8287R103 117 21,150 SH   SOLE   21,150 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 695 13,754 SH   SOLE 1 13,754 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 13 257 SH   SOLE   257 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 3,118 60,365 SH   SOLE 1 60,365 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 8 152 SH   SOLE   152 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,099,747 70,889,515 SH   SOLE   70,889,515 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 10,639 359,189 SH   SOLE 1 359,189 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,418,177 62,211,923 SH   SOLE   62,211,923 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 13,520 347,818 SH   SOLE 1 347,818 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 6,318 154,354 SH   SOLE 1 154,354 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,210,813 29,582,520 SH   SOLE   29,582,520 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,483 26,413 SH   SOLE 1 26,413 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 716,969 12,771,099 SH   SOLE   12,771,099 0 0
SCHWAB STRATEGIC TR LONG TERM US 808524680 524 10,233 SH   SOLE 1 10,233 0 0
SCHWAB STRATEGIC TR LONG TERM US 808524680 0 0 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 24,776 422,727 SH   SOLE 1 422,727 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 5,272,034 89,951,107 SH   SOLE   89,951,107 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 3,452,299 62,080,537 SH   SOLE   62,080,537 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 15,329 275,650 SH   SOLE 1 275,650 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 3,107,974 100,289,564 SH   SOLE   100,289,564 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 19,109 616,609 SH   SOLE 1 616,609 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 21,351 656,748 SH   SOLE 1 656,748 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 3,692,463 113,579,301 SH   SOLE   113,579,301 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 10,152 271,528 SH   SOLE 1 271,528 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,861,617 49,789,181 SH   SOLE   49,789,181 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 317 6,240 SH   SOLE 1 6,240 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 0 0 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 156 2,901 SH   SOLE   2,901 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 500 9,273 SH   SOLE 1 9,273 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 472 4,173 SH   SOLE   4,173 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 693,287 8,577,102 SH   SOLE   8,577,102 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,495 30,865 SH   SOLE 1 30,865 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 217 1,322 SH   SOLE   1,322 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,532,703 66,180,838 SH   SOLE   66,180,838 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 33,512 294,434 SH   SOLE 1 294,434 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,239,690 23,528,002 SH   SOLE   23,528,002 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 7,357 139,621 SH   SOLE 1 139,621 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,548,149 44,415,519 SH   SOLE   44,415,519 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 22,371 218,470 SH   SOLE 1 218,470 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 6,140,230 97,634,442 SH   SOLE   97,634,442 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 20,664 328,580 SH   SOLE 1 328,580 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 209 1,200 SH   SOLE   1,200 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 431 908 SH   SOLE   908 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391 389,998 15,957,354 SH   SOLE   15,957,354 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391 1,530 62,619 SH   SOLE 1 62,619 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 23 213 SH   SOLE   213 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 1,507 13,879 SH   SOLE 1 13,879 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 3,275 76,326 SH   SOLE   76,326 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 669 12,927 SH   SOLE 1 12,927 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 498,120 9,629,226 SH   SOLE   9,629,226 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 2,636 83,669 SH   SOLE 1 83,669 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 257,080 8,161,274 SH   SOLE   8,161,274 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 9,304 257,383 SH   SOLE 1 257,383 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 779,021 21,549,682 SH   SOLE   21,549,682 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 3 82 SH   SOLE   82 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 917 21,750 SH   SOLE 1 21,750 0 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 326 10,722 SH   SOLE   10,722 0 0
STARBUCKS CORP COM 855244109 203 1,732 SH   SOLE   1,732 0 0
TESLA INC COM 88160R101 1,246 1,179 SH   SOLE   1,179 0 0
UPSTART HLDGS INC COM 91680M107 693 4,581 SH   SOLE   4,581 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 752 26,283 SH   SOLE 1 26,283 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 109,545 3,830,256 SH   SOLE   3,830,256 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 34 406 SH   SOLE 1 406 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 365 4,308 SH   SOLE   4,308 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 84,770 1,536,799 SH   SOLE   1,536,799 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 17 312 SH   SOLE 1 312 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 235 2,027 SH   SOLE   2,027 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 14,409 33,005 SH   SOLE 1 33,005 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 716,960 1,642,257 SH   SOLE   1,642,257 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 452,913 2,003,952 SH   SOLE   2,003,952 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,209 31,897 SH   SOLE 1 31,897 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 403 1,669 SH   SOLE   1,669 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 133 2,679 SH   SOLE   2,679 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 106 2,142 SH   SOLE 1 2,142 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,599 19,400 SH   SOLE 1 19,400 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 137,441 1,025,984 SH   SOLE   1,025,984 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 315,495 5,847,924 SH   SOLE   5,847,924 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,382 25,622 SH   SOLE 1 25,622 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 875 15,928 SH   SOLE 1 15,928 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,166,122 21,236,968 SH   SOLE   21,236,968 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 345 5,194 SH   SOLE   5,194 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,832,667 52,098,608 SH   SOLE   52,098,608 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 14,844 160,027 SH   SOLE 1 160,027 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 6,159 116,551 SH   SOLE 1 116,551 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 3,784,307 71,618,221 SH   SOLE   71,618,221 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 321,414 6,294,828 SH   SOLE   6,294,828 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,902 96,014 SH   SOLE 1 96,014 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 78,012 695,848 SH   SOLE   695,848 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 115,524 1,719,882 SH   SOLE   1,719,882 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 213 4,095 SH   SOLE   4,095 0 0