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 453 5,583 SH   SOLE 1 5,583 0 0
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 21,087 259,916 SH   SOLE   259,916 0 0
ALPHABET INC CAP STK CL A 02079K305 266 2,777 SH   SOLE   2,777 0 0
AMAZON COM INC COM 023135106 466 4,120 SH   SOLE   4,120 0 0
APPLE INC COM 037833100 984 7,123 SH   SOLE   7,123 0 0
AT&T INC COM 00206R102 174 11,361 SH   SOLE   11,361 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 310 1,161 SH   SOLE   1,161 0 0
CHEVRON CORP NEW COM 166764100 238 1,656 SH   SOLE   1,656 0 0
COCA COLA CO COM 191216100 205 3,655 SH   SOLE   3,655 0 0
DBX ETF TR XTRACK INTL REAL 233051846 1,109 56,971 SH   SOLE 1 56,971 0 0
DBX ETF TR XTRACK INTL REAL 233051846 427,133 21,949,302 SH   SOLE   21,949,302 0 0
DBX ETF TR XTRACK MSCI EAFE 233051630 571,955 31,460,661 SH   SOLE   31,460,661 0 0
DBX ETF TR XTRACK USD HIGH 233051432 236,235 7,215,489 SH   SOLE   7,215,489 0 0
DBX ETF TR XTRACK USD HIGH 233051432 143 4,364 SH   SOLE 1 4,364 0 0
EXXON MOBIL CORP COM 30231G102 366 4,194 SH   SOLE   4,194 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 340 8,617 SH   SOLE   8,617 0 0
GLOBAL X FDS US PFD ETF 37954Y657 43,442 2,118,080 SH   SOLE   2,118,080 0 0
HOME DEPOT INC COM 437076102 209 758 SH   SOLE   758 0 0
HUMANA INC COM 444859102 281 579 SH   SOLE   579 0 0
ICAHN ENTERPRISES LP DEPOSITARY UNIT 451100101 928 18,692 SH   SOLE   18,692 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 269,486 11,630,805 SH   SOLE   11,630,805 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 489,779 13,961,786 SH   SOLE   13,961,786 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 7,006 199,720 SH   SOLE 1 199,720 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 4,306 266,148 SH   SOLE 1 266,148 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI EMNG 46138E727 429,970 26,574,151 SH   SOLE   26,574,151 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 2,974 116,118 SH   SOLE 1 116,118 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 241,896 9,445,364 SH   SOLE   9,445,364 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 429 36,151 SH   SOLE 1 36,151 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 1 70 SH   SOLE   70 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 507 25,092 SH   SOLE 1 25,092 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 74,608 3,695,273 SH   SOLE   3,695,273 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 9,217 66,417 SH   SOLE 1 66,417 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 714,354 5,147,752 SH   SOLE   5,147,752 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 618,926 4,247,653 SH   SOLE   4,247,653 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 6,670 45,777 SH   SOLE 1 45,777 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,059 3,961 SH   SOLE   3,961 0 0
INVESCO SR INCOME TR COM 46131H107 61 16,354 SH   SOLE   16,354 0 0
ISHARES GOLD TR ISHARES NEW 464285204 1,698 53,855 SH   SOLE 1 53,855 0 0
ISHARES GOLD TR ISHARES NEW 464285204 650,050 20,616,883 SH   SOLE   20,616,883 0 0
ISHARES INC CORE MSCI EMKT 46434G103 324,688 7,554,390 SH   SOLE   7,554,390 0 0
ISHARES INC CORE MSCI EMKT 46434G103 3,107 72,294 SH   SOLE 1 72,294 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 221 5,533 SH   SOLE   5,533 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 4,343 38,001 SH   SOLE 1 38,001 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 183,584 1,606,440 SH   SOLE   1,606,440 0 0
ISHARES TR BROAD USD HIGH 46435U853 22,041 655,596 SH   SOLE   655,596 0 0
ISHARES TR BROAD USD HIGH 46435U853 71 2,098 SH   SOLE 1 2,098 0 0
ISHARES TR CALIF MUN BD ETF 464288356 292,406 5,392,953 SH   SOLE   5,392,953 0 0
ISHARES TR CORE INTL AGGR 46435G672 17,974 371,936 SH   SOLE   371,936 0 0
ISHARES TR CORE INTL AGGR 46435G672 53 1,094 SH   SOLE 1 1,094 0 0
ISHARES TR CORE S&P TTL STK 464287150 646 8,121 SH   SOLE   8,121 0 0
ISHARES TR CORE S&P US GWT 464287671 1 14 SH   SOLE   14 0 0
ISHARES TR CORE S&P US GWT 464287671 7,464 93,096 SH   SOLE 1 93,096 0 0
ISHARES TR CORE S&P500 ETF 464287200 789 2,200 SH   SOLE   2,200 0 0
ISHARES TR CORE US AGGBD ET 464287226 9,021 93,636 SH   SOLE 1 93,636 0 0
ISHARES TR CORE US AGGBD ET 464287226 752 7,803 SH   SOLE   7,803 0 0
ISHARES TR CRE U S REIT ETF 464288521 4,121 86,765 SH   SOLE 1 86,765 0 0
ISHARES TR CRE U S REIT ETF 464288521 107,686 2,267,071 SH   SOLE   2,267,071 0 0
ISHARES TR EAFE SML CP ETF 464288273 806 16,526 SH   SOLE 1 16,526 0 0
ISHARES TR EAFE SML CP ETF 464288273 51 1,043 SH   SOLE   1,043 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 1,027 20,844 SH   SOLE   20,844 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 258 5,338 SH   SOLE   5,338 0 0
ISHARES TR MBS ETF 464288588 366,713 4,004,290 SH   SOLE   4,004,290 0 0
ISHARES TR MBS ETF 464288588 4,026 43,962 SH   SOLE 1 43,962 0 0
ISHARES TR NATIONAL MUN ETF 464288414 976,053 9,515,038 SH   SOLE   9,515,038 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,681 16,386 SH   SOLE 1 16,386 0 0
ISHARES TR PFD AND INCM SEC 464288687 2 75 SH   SOLE   75 0 0
ISHARES TR PFD AND INCM SEC 464288687 498 15,720 SH   SOLE 1 15,720 0 0
JOHNSON & JOHNSON COM 478160104 256 1,565 SH   SOLE   1,565 0 0
JPMORGAN CHASE & CO COM 46625H100 222 2,129 SH   SOLE   2,129 0 0
MICROSOFT CORP COM 594918104 630 2,705 SH   SOLE   2,705 0 0
NUVEEN SR INCOME FD COM 67067Y104 65 13,908 SH   SOLE   13,908 0 0
OLO INC CL A 68134L109 297 37,588 SH   SOLE   37,588 0 0
PROCTER AND GAMBLE CO COM 742718109 233 1,843 SH   SOLE   1,843 0 0
REE AUTOMOTIVE LTD CLASS A ORD SHS M8287R103 34 50,250 SH   SOLE   50,250 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 274 5,913 SH   SOLE 1 5,913 0 0
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 12 259 SH   SOLE   259 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 1,009 24,018 SH   SOLE 1 24,018 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 8 185 SH   SOLE   185 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,731,460 77,297,338 SH   SOLE   77,297,338 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,407 196,719 SH   SOLE 1 196,719 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 6 294 SH   SOLE   294 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 465 23,258 SH   SOLE 1 23,258 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,020,177 71,815,748 SH   SOLE   71,815,748 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,663 201,312 SH   SOLE 1 201,312 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,635 94,957 SH   SOLE 1 94,957 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,004,908 36,212,893 SH   SOLE   36,212,893 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 2,133 43,397 SH   SOLE 1 43,397 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 3,885,163 79,063,148 SH   SOLE   79,063,148 0 0
SCHWAB STRATEGIC TR LONG TERM US 808524680 312 8,652 SH   SOLE 1 8,652 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 18,136 379,740 SH   SOLE 1 379,740 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 5,564,057 116,500,359 SH   SOLE   116,500,359 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 6,966 163,826 SH   SOLE 1 163,826 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 3,666,760 86,236,134 SH   SOLE   86,236,134 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 2,621,630 111,844,291 SH   SOLE   111,844,291 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 6,020 256,809 SH   SOLE 1 256,809 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 9,342 371,442 SH   SOLE 1 371,442 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 3,244,613 129,010,460 SH   SOLE   129,010,460 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 3,420 125,797 SH   SOLE 1 125,797 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,519,055 55,868,139 SH   SOLE   55,868,139 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 11 218 SH   SOLE   218 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,487 30,813 SH   SOLE 1 30,813 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 6,686 147,571 SH   SOLE 1 147,571 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 80 1,759 SH   SOLE   1,759 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 321 7,649 SH   SOLE   7,649 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 610,354 9,187,921 SH   SOLE   9,187,921 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,373 20,673 SH   SOLE 1 20,673 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 570 10,221 SH   SOLE 1 10,221 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 151 2,698 SH   SOLE   2,698 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,962,806 93,572,760 SH   SOLE   93,572,760 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 15,060 355,615 SH   SOLE 1 355,615 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 846,126 45,271,596 SH   SOLE   45,271,596 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 3,450 184,582 SH   SOLE 1 184,582 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,757,865 72,959,394 SH   SOLE   72,959,394 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,466 197,523 SH   SOLE 1 197,523 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,717 71,751 SH   SOLE 1 71,751 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,334,022 45,058,345 SH   SOLE   45,058,345 0 0
SNAP INC CL A 83304A106 223 22,718 SH   SOLE   22,718 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 454 1,271 SH   SOLE   1,271 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391 1,449,126 76,390,405 SH   SOLE   76,390,405 0 0
SPDR SER TR BLOOMBERG EMERGI 78464A391 1,148 60,532 SH   SOLE 1 60,532 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 13 147 SH   SOLE   147 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 1,013 11,535 SH   SOLE 1 11,535 0 0
SPDR SER TR ICE PFD SEC ETF 78464A292 3,055 87,634 SH   SOLE   87,634 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 1,246 28,324 SH   SOLE   28,324 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 260,171 10,259,113 SH   SOLE   10,259,113 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,674 66,015 SH   SOLE 1 66,015 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 2,648 84,562 SH   SOLE 1 84,562 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 180,744 5,770,888 SH   SOLE   5,770,888 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 339 11,597 SH   SOLE   11,597 0 0
STARBUCKS CORP COM 855244109 221 2,621 SH   SOLE   2,621 0 0
TESLA INC COM 88160R101 1,051 3,961 SH   SOLE   3,961 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 258,013 11,316,356 SH   SOLE   11,316,356 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 1,773 77,773 SH   SOLE 1 77,773 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 418 5,592 SH   SOLE   5,592 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 29 406 SH   SOLE 1 406 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 327 4,588 SH   SOLE   4,588 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 131 2,749 SH   SOLE 1 2,749 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 33,750 707,111 SH   SOLE   707,111 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 458,703 1,397,208 SH   SOLE   1,397,208 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 11,690 35,607 SH   SOLE 1 35,607 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 302,584 1,770,427 SH   SOLE   1,770,427 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,018 23,509 SH   SOLE 1 23,509 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 480 2,675 SH   SOLE   2,675 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 526 4,263 SH   SOLE   4,263 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 258 7,077 SH   SOLE   7,077 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 958 26,251 SH   SOLE 1 26,251 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 172,418 1,857,752 SH   SOLE   1,857,752 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,616 17,413 SH   SOLE 1 17,413 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 804 21,077 SH   SOLE 1 21,077 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 269,594 7,064,829 SH   SOLE   7,064,829 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 113 2,353 SH   SOLE 1 2,353 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 801,609 16,651,610 SH   SOLE   16,651,610 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 833 14,282 SH   SOLE   14,282 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,868,720 24,692,394 SH   SOLE   24,692,394 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,933 25,544 SH   SOLE 1 25,544 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 4,963,787 110,086,206 SH   SOLE   110,086,206 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 5,643 125,147 SH   SOLE 1 125,147 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 293 3,950 SH   SOLE 1 3,950 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 215 2,889 SH   SOLE   2,889 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 354,648 9,753,807 SH   SOLE   9,753,807 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 11,853 325,997 SH   SOLE 1 325,997 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 84,803 893,788 SH   SOLE   893,788 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 124,324 2,389,001 SH   SOLE   2,389,001 0 0