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
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 155 1,814 SH   SOLE 1 1,814 0 0
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 9,900 116,025 SH   SOLE   116,025 0 0
ALPHABET INC CAP STK CL A 02079K305 294 135 SH   SOLE   135 0 0
AMAZON COM INC COM 023135106 339 3,189 SH   SOLE   3,189 0 0
APPLE INC COM 037833100 831 6,077 SH   SOLE   6,077 0 0
AT&T INC COM 00206R102 237 11,305 SH   SOLE   11,305 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 319 1,169 SH   SOLE   1,169 0 0
CHEVRON CORP NEW COM 166764100 270 1,865 SH   SOLE   1,865 0 0
COCA COLA CO COM 191216100 244 3,872 SH   SOLE   3,872 0 0
DBX ETF TR XTRACK INTL REAL 233051846 458,995 20,555,099 SH   SOLE   20,555,099 0 0
DBX ETF TR XTRACK INTL REAL 233051846 2,036 91,162 SH   SOLE 1 91,162 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 587,738 28,188,885 SH   SOLE   28,188,885 0 0
DBX ETF TR XTRACK USD HIGH 233051432 239,585 7,103,018 SH   SOLE   7,103,018 0 0
DBX ETF TR XTRACK USD HIGH 233051432 172 5,103 SH   SOLE 1 5,103 0 0
EXXON MOBIL CORP COM 30231G102 384 4,484 SH   SOLE   4,484 0 0
GENERAL MLS INC COM 370334104 213 2,824 SH   SOLE   2,824 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 366 9,926 SH   SOLE   9,926 0 0
GLOBAL X FDS US PFD ETF 37954Y657 44,151 2,081,625 SH   SOLE   2,081,625 0 0
HOME DEPOT INC COM 437076102 209 763 SH   SOLE   763 0 0
HUMANA INC COM 444859102 271 579 SH   SOLE   579 0 0
ICAHN ENTERPRISES LP DEPOSITARY UNIT 451100101 865 17,985 SH   SOLE   17,985 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 209,891 8,630,381 SH   SOLE   8,630,381 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 11,257 282,843 SH   SOLE 1 282,843 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 492,333 12,370,186 SH   SOLE   12,370,186 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 5,669 311,999 SH   SOLE 1 311,999 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 388,476 21,380,055 SH   SOLE   21,380,055 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 269,515 9,258,503 SH   SOLE   9,258,503 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 5,730 196,825 SH   SOLE 1 196,825 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 1 70 SH   SOLE   70 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 855 69,309 SH   SOLE 1 69,309 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 72,888 3,595,870 SH   SOLE   3,595,870 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 842 41,515 SH   SOLE 1 41,515 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 857,120 5,783,534 SH   SOLE   5,783,534 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 16,276 109,823 SH   SOLE 1 109,823 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 12,263 79,970 SH   SOLE 1 79,970 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 682,362 4,449,992 SH   SOLE   4,449,992 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,083 3,863 SH   SOLE   3,863 0 0
ISHARES GOLD TR ISHARES NEW 464285204 5,015 146,176 SH   SOLE 1 146,176 0 0
ISHARES GOLD TR ISHARES NEW 464285204 712,771 20,774,425 SH   SOLE   20,774,425 0 0
ISHARES INC CORE MSCI EMKT 46434G103 231,166 4,711,893 SH   SOLE   4,711,893 0 0
ISHARES INC CORE MSCI EMKT 46434G103 5,982 121,927 SH   SOLE 1 121,927 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 249 6,144 SH   SOLE   6,144 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 4,542 38,059 SH   SOLE 1 38,059 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 405,367 3,396,741 SH   SOLE   3,396,741 0 0
ISHARES TR BROAD USD HIGH 46435U853 811 23,423 SH   SOLE 1 23,423 0 0
ISHARES TR BROAD USD HIGH 46435U853 22,645 654,097 SH   SOLE   654,097 0 0
ISHARES TR CALIF MUN BD ETF 464288356 381,168 6,751,120 SH   SOLE   6,751,120 0 0
ISHARES TR CORE INTL AGGR 46435G672 45 905 SH   SOLE 1 905 0 0
ISHARES TR CORE INTL AGGR 46435G672 18,550 372,417 SH   SOLE   372,417 0 0
ISHARES TR CORE S&P500 ETF 464287200 777 2,048 SH   SOLE   2,048 0 0
ISHARES TR CORE US AGGBD ET 464287226 353 3,469 SH   SOLE   3,469 0 0
ISHARES TR CORE US AGGBD ET 464287226 418 4,111 SH   SOLE 1 4,111 0 0
ISHARES TR CRE U S REIT ETF 464288521 101,833 1,906,985 SH   SOLE   1,906,985 0 0
ISHARES TR CRE U S REIT ETF 464288521 2,008 37,611 SH   SOLE 1 37,611 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 1,038 20,525 SH   SOLE   20,525 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 268 5,242 SH   SOLE   5,242 0 0
ISHARES TR MBS ETF 464288588 11,894 122,001 SH   SOLE 1 122,001 0 0
ISHARES TR MBS ETF 464288588 435,055 4,462,560 SH   SOLE   4,462,560 0 0
ISHARES TR NATIONAL MUN ETF 464288414 456,844 4,295,263 SH   SOLE   4,295,263 0 0
ISHARES TR PFD AND INCM SEC 464288687 29 891 SH   SOLE   891 0 0
ISHARES TR PFD AND INCM SEC 464288687 489 14,884 SH   SOLE 1 14,884 0 0
JOHNSON & JOHNSON COM 478160104 292 1,645 SH   SOLE   1,645 0 0
JPMORGAN CHASE & CO COM 46625H100 218 1,936 SH   SOLE   1,936 0 0
MICROSOFT CORP COM 594918104 806 3,138 SH   SOLE   3,138 0 0
PROCTER AND GAMBLE CO COM 742718109 264 1,834 SH   SOLE   1,834 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 235 2,449 SH   SOLE   2,449 0 0
REE AUTOMOTIVE LTD CLASS A ORD SHS M8287R103 58 50,250 SH   SOLE   50,250 0 0
SAN JUAN BASIN RTY TR UNIT BEN INT 798241105 130 15,000 SH   SOLE   15,000 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 20 430 SH   SOLE   430 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 657 13,836 SH   SOLE 1 13,836 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 20 454 SH   SOLE   454 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 1,209 27,125 SH   SOLE 1 27,125 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 9,571 377,100 SH   SOLE 1 377,100 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,043,875 80,530,921 SH   SOLE   80,530,921 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 1,032 45,902 SH   SOLE 1 45,902 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,309 264,183 SH   SOLE 1 264,183 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,131,189 67,764,365 SH   SOLE   67,764,365 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,479 143,409 SH   SOLE 1 143,409 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,065,603 34,121,128 SH   SOLE   34,121,128 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 3,828,458 74,194,912 SH   SOLE   74,194,912 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 7,618 147,631 SH   SOLE 1 147,631 0 0
SCHWAB STRATEGIC TR LONG TERM US 808524680 554 13,785 SH   SOLE 1 13,785 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 22,262 437,371 SH   SOLE 1 437,371 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 5,670,471 111,404,146 SH   SOLE   111,404,146 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 3,729,213 82,413,541 SH   SOLE   82,413,541 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 13,052 288,445 SH   SOLE 1 288,445 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 15,286 589,505 SH   SOLE 1 589,505 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 2,908,934 112,184,133 SH   SOLE   112,184,133 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 3,446,170 121,729,774 SH   SOLE   121,729,774 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 13,451 475,121 SH   SOLE 1 475,121 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,602,302 52,689,983 SH   SOLE   52,689,983 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 6,746 221,846 SH   SOLE 1 221,846 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 181 3,779 SH   SOLE 1 3,779 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 86 1,801 SH   SOLE   1,801 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 307 6,953 SH   SOLE   6,953 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,195 30,642 SH   SOLE 1 30,642 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 640,457 8,941,184 SH   SOLE   8,941,184 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,130,958 92,497,945 SH   SOLE   92,497,945 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 16,944 379,391 SH   SOLE 1 379,391 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 955,083 45,286,058 SH   SOLE   45,286,058 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 5,179 245,556 SH   SOLE 1 245,556 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 13,742 352,460 SH   SOLE 1 352,460 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,913,474 74,723,623 SH   SOLE   74,723,623 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 6,112 109,539 SH   SOLE 1 109,539 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,401,087 43,030,229 SH   SOLE   43,030,229 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 372 986 SH   SOLE   986 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391 2,571 125,702 SH   SOLE 1 125,702 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391 1,416,087 69,246,326 SH   SOLE   69,246,326 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 7 80 SH   SOLE   80 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 862 9,501 SH   SOLE 1 9,501 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 2,555 71,263 SH   SOLE   71,263 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 1,909 41,621 SH   SOLE   41,621 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 4,365 158,600 SH   SOLE 1 158,600 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 348,127 12,649,953 SH   SOLE   12,649,953 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 209,660 6,425,363 SH   SOLE   6,425,363 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 5,869 179,871 SH   SOLE 1 179,871 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 23 710 SH   SOLE   710 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 245 7,418 SH   SOLE 1 7,418 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 326 10,970 SH   SOLE   10,970 0 0
STARBUCKS CORP COM 855244109 209 2,737 SH   SOLE   2,737 0 0
TESLA INC COM 88160R101 904 1,342 SH   SOLE   1,342 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 395,227 16,144,872 SH   SOLE   16,144,872 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 2,940 120,101 SH   SOLE 1 120,101 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 289 3,766 SH   SOLE   3,766 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 493 6,551 SH   SOLE   6,551 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 31 406 SH   SOLE 1 406 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 279 5,622 SH   SOLE 1 5,622 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 34,348 693,348 SH   SOLE   693,348 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 208 2,282 SH   SOLE   2,282 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 9,271 26,727 SH   SOLE 1 26,727 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 453,161 1,306,392 SH   SOLE   1,306,392 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,949 28,102 SH   SOLE 1 28,102 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 278,900 1,583,672 SH   SOLE   1,583,672 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 568 3,014 SH   SOLE   3,014 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 220 5,293 SH   SOLE   5,293 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 91 2,189 SH   SOLE 1 2,189 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,370 32,648 SH   SOLE 1 32,648 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 179,003 1,734,359 SH   SOLE   1,734,359 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,643 59,693 SH   SOLE 1 59,693 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 305,604 6,903,188 SH   SOLE   6,903,188 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,880 37,662 SH   SOLE 1 37,662 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,397,371 27,992,203 SH   SOLE   27,992,203 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 804 13,144 SH   SOLE   13,144 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,931,428 24,136,812 SH   SOLE   24,136,812 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,627 57,819 SH   SOLE 1 57,819 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 5,156,908 107,862,535 SH   SOLE   107,862,535 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 7,198 150,558 SH   SOLE 1 150,558 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 304 2,117 SH   SOLE   2,117 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 365,547 8,959,475 SH   SOLE   8,959,475 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 7,635 187,144 SH   SOLE 1 187,144 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 80,243 789,017 SH   SOLE   789,017 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 115,181 1,958,200 SH   SOLE   1,958,200 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 255 5,033 SH   SOLE   5,033 0 0