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
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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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 548 2,097 SH   SOLE   0 0 2,097
ALPHABET INC CAP STK CL A 02079K305 210 120 SH   SOLE   0 0 120
AMAZON COM INC COM 023135106 267 82 SH   SOLE   0 0 82
AMPHENOL CORP NEW CL A 032095101 314 2,400 SH   SOLE   0 0 2,400
APPLE INC COM 037833100 1,221 9,204 SH   SOLE   0 0 9,204
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 355 1,532 SH   SOLE   0 0 1,532
ECOLAB INC COM 278865100 212 979 SH   SOLE   0 0 979
FLEXSHARES TR MORNSTAR UPSTR 33939L407 2,321 71,316 SH   SOLE   0 0 71,316
INVESCO ACTIVELY MANAGED ETF ACTIVE US REAL 46090A101 207 2,383 SH   SOLE   0 0 2,383
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 3,264 113,160 SH   SOLE   0 0 113,160
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 3,136 161,316 SH   SOLE   0 0 161,316
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 7,950 374,819 SH   SOLE   0 0 374,819
INVESCO EXCHANGE TRADED FD T S&P500 BUY WRT 46137V399 1,495 72,938 SH   SOLE   0 0 72,938
INVESCO QQQ TR UNIT SER 1 46090E103 2,720 8,670 SH   SOLE   0 0 8,670
ISHARES INC CORE MSCI EMKT 46434G103 3,181 51,274 SH   SOLE   0 0 51,274
ISHARES INC EM MKT SM-CP ETF 464286475 1,665 31,531 SH   SOLE   0 0 31,531
ISHARES TR CALIF MUN BD ETF 464288356 3,373 53,689 SH   SOLE   0 0 53,689
ISHARES TR CORE 1 5 YR USD 46432F859 3,334 64,554 SH   SOLE   0 0 64,554
ISHARES TR CORE MSCI EAFE 46432F842 3,301 47,782 SH   SOLE   0 0 47,782
ISHARES TR CORE S&P MCP ETF 464287507 4,527 19,698 SH   SOLE   0 0 19,698
ISHARES TR CORE S&P SCP ETF 464287804 6,386 69,486 SH   SOLE   0 0 69,486
ISHARES TR CORE S&P US GWT 464287671 1,117 12,597 SH   SOLE   0 0 12,597
ISHARES TR CORE S&P500 ETF 464287200 4,862 12,952 SH   SOLE   0 0 12,952
ISHARES TR CORE US AGGBD ET 464287226 4,389 37,139 SH   SOLE   0 0 37,139
ISHARES TR EAFE GRWTH ETF 464288885 3,577 35,451 SH   SOLE   0 0 35,451
ISHARES TR EAFE SML CP ETF 464288273 3,271 47,858 SH   SOLE   0 0 47,858
ISHARES TR IBOXX HI YD ETF 464288513 5,392 61,766 SH   SOLE   0 0 61,766
ISHARES TR IBOXX INV CP ETF 464287242 3,600 26,063 SH   SOLE   0 0 26,063
ISHARES TR INTL TREA BD ETF 464288117 2,746 49,362 SH   SOLE   0 0 49,362
ISHARES TR JPMORGAN USD EMG 464288281 5,112 44,106 SH   SOLE   0 0 44,106
ISHARES TR NATIONAL MUN ETF 464288414 1,298 11,074 SH   SOLE   0 0 11,074
ISHARES TR PFD AND INCM SEC 464288687 295 7,667 SH   SOLE   0 0 7,667
ISHARES TR RUS 1000 ETF 464287622 8,535 40,289 SH   SOLE   0 0 40,289
ISHARES TR RUSSELL 2000 ETF 464287655 332 1,695 SH   SOLE   0 0 1,695
ISHARES TR S&P MC 400VL ETF 464287705 3,689 42,746 SH   SOLE   0 0 42,746
ISHARES TR SELECT DIVID ETF 464287168 5,862 60,950 SH   SOLE   0 0 60,950
ISHARES TR SHRT NAT MUN ETF 464288158 1,874 17,338 SH   SOLE   0 0 17,338
ISHARES TR U.S. REAL ES ETF 464287739 5,829 68,055 SH   SOLE   0 0 68,055
NETFLIX INC COM 64110L106 379 700 SH   SOLE   0 0 700
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 384 10,283 SH   SOLE   0 0 10,283
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,606 150,287 SH   SOLE   0 0 150,287
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,684 102,316 SH   SOLE   0 0 102,316
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,292 60,889 SH   SOLE   0 0 60,889
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 8,636 154,140 SH   SOLE   0 0 154,140
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 248 3,869 SH   SOLE   0 0 3,869
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 918 7,152 SH   SOLE   0 0 7,152
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,456 70,980 SH   SOLE   0 0 70,980
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 14,319 210,025 SH   SOLE   0 0 210,025
SCHWAB STRATEGIC TR US REIT ETF 808524847 8,177 215,361 SH   SOLE   0 0 215,361
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,340 48,761 SH   SOLE   0 0 48,761
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,220 23,634 SH   SOLE   0 0 23,634
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,226 8,628 SH   SOLE   0 0 8,628
SPDR SER TR BLOMBRG BRC INTL 78464A151 2,389 63,027 SH   SOLE   0 0 63,027
SPDR SER TR NUVEEN BLMBRG SR 78468R739 300 6,022 SH   SOLE   0 0 6,022
SPDR SER TR PORTFOLIO S&P400 78464A847 301 7,451 SH   SOLE   0 0 7,451
SPDR SER TR S&P 400 MDCP VAL 78464A839 2,719 48,991 SH   SOLE   0 0 48,991
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 941 15,294 SH   SOLE   0 0 15,294
VANGUARD INDEX FDS MID CAP ETF 922908629 477 2,307 SH   SOLE   0 0 2,307
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,361 74,896 SH   SOLE   0 0 74,896
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 231 3,951 SH   SOLE   0 0 3,951
VISA INC COM CL A 92826C839 740 3,382 SH   SOLE   0 0 3,382