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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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
AMAZON COM INC COM Stock 023135106 925 269 SH   SOLE 0 0 0 269
INVESCO QQQ TRUST ETF 46090E103 362 1,020 SH   SOLE 0 0 0 1,020
STARBUCKS CORP COM Stock 855244109 299 2,678 SH   SOLE 0 0 0 2,677
JOHNSON & JOHNSON COM Stock 478160104 1,164 7,066 SH   SOLE 0 0 0 7,066
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 866 3,888 SH   SOLE 0 0 0 3,888
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 214 3,145 SH   SOLE 0 0 0 3,145
COSTCO WHSL CORP NEW COM Stock 22160K105 217 548 SH   SOLE 0 0 0 548
PROCTER AND GAMBLE CO COM Stock 742718109 270 2,001 SH   SOLE 0 0 0 2,001
UNITED PARCEL SERVICE INC CL B Stock 911312106 220 1,059 SH   SOLE 0 0 0 1,059
VANGUARD REAL ESTATE ETF ETF 922908553 2,013 19,777 SH   SOLE 0 0 0 19,777
INTEL CORP COM Stock 458140100 546 9,728 SH   SOLE 0 0 0 9,728
NETFLIX INC COM Stock 64110L106 429 812 SH   SOLE 0 0 0 812
SPDR DOW JONES GLOBAL REAL ESTATE ETF ETF 78463X749 1,282 24,904 SH   SOLE 0 0 0 24,904
SPDR S&P 500 ETF ETF 78462F103 574 1,341 SH   SOLE 0 0 0 1,341
ISHARES TIPS BOND ETF ETF 464287176 450 3,516 SH   SOLE 0 0 0 3,516
ISHARES COHEN & STEERS REIT ETF ETF 464287564 393 6,008 SH   SOLE 0 0 0 6,008
ISHARES S&P/CITIGROUP INTERNATIONAL TREASURY BOND FUND EX-US ETF 464288117 246 4,716 SH   SOLE 0 0 0 4,716
HOME DEPOT INC COM Stock 437076102 688 2,157 SH   SOLE 0 0 0 2,157
INVESCO CALIFORNIA AMT-FREE MUNICIPAL BOND ETF ETF 46138E206 236 8,384 SH   SOLE 0 0 0 8,384
SPDR GOLD SHARES ETF 78463V107 764 4,612 SH   SOLE 0 0 0 4,612
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 832 7,989 SH   SOLE 0 0 0 7,988
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1,603 15,378 SH   SOLE 0 0 0 15,378
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 10,030 254,246 SH   SOLE 0 0 0 254,246
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 5,059 48,655 SH   SOLE 0 0 0 48,654
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 859 12,271 SH   SOLE 0 0 0 12,271
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 13,232 260,788 SH   SOLE 0 0 0 260,788
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 1,264 40,384 SH   SOLE 0 0 0 40,384
ISHARES S&P SMALL-CAP FUND ETF 464287804 801 7,094 SH   SOLE 0 0 0 7,094
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 1,411 5,078 SH   SOLE 0 0 0 5,078
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 617 18,768 SH   SOLE 0 0 0 18,767
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 5,505 66,554 SH   SOLE 0 0 0 66,554
ALPHABET INC CAP STK CL A Stock 02079K305 1,089 446 SH   SOLE 0 0 0 446
INTUIT COM Stock 461202103 215 438 SH   SOLE 0 0 0 438
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 415 9,976 SH   SOLE 0 0 0 9,975
MICROSOFT CORP COM Stock 594918104 3,162 11,672 SH   SOLE 0 0 0 11,672
SPDR GOLD MINISHARES TRUST ETF 98149E204 734 41,685 SH   SOLE 0 0 0 41,685
BOEING CO COM Stock 097023105 473 1,974 SH   SOLE 0 0 0 1,974
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 3,117 13,837 SH   SOLE 0 0 0 13,836
VANGUARD MID-CAP INDEX FUND ETF 922908629 3,020 12,722 SH   SOLE 0 0 0 12,722
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 3,755 18,707 SH   SOLE 0 0 0 18,706
NIKE INC CL B Stock 654106103 201 1,304 SH   SOLE 0 0 0 1,304
TESLA INC COM Stock 88160R101 6,079 8,944 SH   SOLE 0 0 0 8,944
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 702 13,756 SH   SOLE 0 0 0 13,756
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 702 2,841 SH   SOLE 0 0 0 2,840
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 363 7,096 SH   SOLE 0 0 0 7,096
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 1,367 19,990 SH   SOLE 0 0 0 19,990
SCHWAB U.S. TIPS ETF ETF 808524870 674 10,789 SH   SOLE 0 0 0 10,789
VANGUARD S&P 500 ETF ETF 922908363 2,445 6,213 SH   SOLE 0 0 0 6,213
VANGUARD GLOBAL EX-U.S. REAL ESTATE INDEX ETF 922042676 2,805 48,065 SH   SOLE 0 0 0 48,065
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 846 7,954 SH   SOLE 0 0 0 7,953
SCHWAB U.S. REIT ETF ETF 808524847 3,426 74,825 SH   SOLE 0 0 0 74,825
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 1,110 14,603 SH   SOLE 0 0 0 14,603
SCHWAB U.S. MID-CAP ETF ETF 808524508 5,973 76,307 SH   SOLE 0 0 0 76,307
AVANTIS INTERNATIONAL SMALL CAP VALUE ETF ETF 025072802 939 14,502 SH   SOLE 0 0 0 14,502
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 3,723 56,687 SH   SOLE 0 0 0 56,687
ISHARES RUSSELL 2000 ETF ETF 464287655 321 1,401 SH   SOLE 0 0 0 1,401
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 421 6,911 SH   SOLE 0 0 0 6,911
ISHARES FLOATING RATE BOND ETF ETF 46429B655 455 8,949 SH   SOLE 0 0 0 8,948
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 2,142 12,335 SH   SOLE 0 0 0 12,335
IMMUNOPRECISE ANTIBODIES LTD COM NEW Stock 45257F200 131 21,718 SH   SOLE 0 0 0 21,718
PIMCO 0-5 YEAR HIGH YIELD CORPORATE BOND INDEX EXCHANGE-TRADED FUND ETF 72201R783 203 2,034 SH   SOLE 0 0 0 2,034
DIMENSIONAL EMERGING CORE EQUITY MARKET ETF ETF 25434V302 1,698 57,326 SH   SOLE 0 0 0 57,326
SCHWAB US AGGREGATE BOND ETF ETF 808524839 2,227 40,793 SH   SOLE 0 0 0 40,793
SPDR NUVEEN BLOOMBERG BARCLAYS HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284 597 9,820 SH   SOLE 0 0 0 9,820
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 1,099 14,539 SH   SOLE 0 0 0 14,538
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303 522 10,415 SH   SOLE 0 0 0 10,415
VISA INC COM CL A Stock 92826C839 254 1,086 SH   SOLE 0 0 0 1,086
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708 209 7,731 SH   SOLE 0 0 0 7,731
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609 4,252 94,906 SH   SOLE 0 0 0 94,906
VANGUARD VALUE INDEX FUND ETF 922908744 1,220 8,876 SH   SOLE 0 0 0 8,876
VANGUARD GROWTH INDEX FUND ETF 922908736 3,291 11,474 SH   SOLE 0 0 0 11,473
SPDR BLOOMBERG BARCLAYS SHORT TERM HIGH YIELD BOND ETF ETF 78468R408 826 29,965 SH   SOLE 0 0 0 29,965
ISHARES MICRO-CAP ETF ETF 464288869 244 1,597 SH   SOLE 0 0 0 1,597
FACEBOOK INC CL A Stock 30303M102 3,037 8,735 SH   SOLE 0 0 0 8,735
WP CAREY INC COM REIT 92936U109 2,177 29,181 SH   SOLE 0 0 0 29,180
BROADCOM INC COM Stock 11135F101 435 912 SH   SOLE 0 0 0 912
VANGUARD SHORT-TERM INFLATION-PROTECTED SECURITIES ETF ETF 922020805 11,016 210,181 SH   SOLE 0 0 0 210,181
ISHARES CORE MSCI EAFE ETF ETF 46432F842 505 6,748 SH   SOLE 0 0 0 6,747
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109 455 3,843 SH   SOLE 0 0 0 3,843
NVIDIA CORPORATION COM Stock 67066G104 275 344 SH   SOLE 0 0 0 344
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 3,418 62,363 SH   SOLE 0 0 0 62,363
ISHARES SHORT TREASURY BOND ETF ETF 464288679 798 7,221 SH   SOLE 0 0 0 7,221
PGIM GLOBAL HIGH YIELD FD FORM COM CEF 69346J106 498 31,240 SH   SOLE 0 0 0 31,240
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 212 2,467 SH   SOLE 0 0 0 2,467
VANGUARD FTSE ALL-WORLD EX US INDEX FUND ETF 922042775 1,807 28,503 SH   SOLE 0 0 0 28,503
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 312 2,599 SH   SOLE 0 0 0 2,599
PALATIN TECHNOLOGIES INC COM PAR $ .01 Stock 696077403 7 10,760 SH   SOLE 0 0 0 10,760
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 400 23,491 SH   SOLE 0 0 0 23,491
QUALCOMM INC COM Stock 747525103 1,232 8,620 SH   SOLE 0 0 0 8,619
ISHARES S&P 500 VALUE ETF ETF 464287408 401 2,713 SH   SOLE 0 0 0 2,713
LULULEMON ATHLETICA INC COM Stock 550021109 984 2,697 SH   SOLE 0 0 0 2,697
ISHARES S&P 500 GROWTH ETF ETF 464287309 235 3,228 SH   SOLE 0 0 0 3,228
ISHARES CORE S&P 500 ETF ETF 464287200 22,962 53,410 SH   SOLE 0 0 0 53,409
LOCKHEED MARTIN CORP COM Stock 539830109 789 2,085 SH   SOLE 0 0 0 2,085
JPMORGAN CHASE & CO COM Stock 46625H100 3,508 22,553 SH   SOLE 0 0 0 22,552
CHEVRON CORP NEW COM Stock 166764100 230 2,196 SH   SOLE 0 0 0 2,196
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 3,242 62,924 SH   SOLE 0 0 0 62,924
BK OF AMERICA CORP COM Stock 060505104 1,081 26,227 SH   SOLE 0 0 0 26,227
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 269 5,083 SH   SOLE 0 0 0 5,083
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 310 2,115 SH   SOLE 0 0 0 2,115
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,305 24,034 SH   SOLE 0 0 0 24,034
TARGET CORP COM Stock 87612E106 246 1,018 SH   SOLE 0 0 0 1,018
PFIZER INC COM Stock 717081103 368 9,393 SH   SOLE 0 0 0 9,393
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 1,032 7,678 SH   SOLE 0 0 0 7,678
CATERPILLAR INC COM Stock 149123101 294 1,352 SH   SOLE 0 0 0 1,351
ALPHABET INC CAP STK CL C Stock 02079K107 514 205 SH   SOLE 0 0 0 205
AMGEN INC COM Stock 031162100 286 1,172 SH   SOLE 0 0 0 1,172
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 713 4,606 SH   SOLE 0 0 0 4,605
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 714 6,189 SH   SOLE 0 0 0 6,189
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613 729 13,632 SH   SOLE 0 0 0 13,632
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1,681 20,456 SH   SOLE 0 0 0 20,456
LAM RESEARCH CORP COM Stock 512807108 1,571 2,415 SH   SOLE 0 0 0 2,414
TELADOC HEALTH INC COM Stock 87918A105 748 4,498 SH   SOLE 0 0 0 4,498
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 6,449 175,301 SH   SOLE 0 0 0 175,301
ISHARES S&P MIDCAP FUND ETF 464287507 350 1,303 SH   SOLE 0 0 0 1,302
ISHARES MSCI EAFE ETF ETF 464287465 456 5,783 SH   SOLE 0 0 0 5,783
APPLE INC COM Stock 037833100 13,627 99,497 SH   SOLE 0 0 0 99,497
DISNEY WALT CO COM Stock 254687106 867 4,934 SH   SOLE 0 0 0 4,934