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
ISHARES TR CORE S&P500 ETF 464287200 5,870 20,271 SH   SOLE NONE 0 0 20,271
ISHARES TR U.S. REAL ES ETF 464287739 3,127 39,582 SH   SOLE NONE 0 0 39,582
DOLBY LABORATORIES INC COM 25659T107 645 9,355 SH   SOLE NONE 0 0 9,355
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 566 7,127 SH   SOLE NONE 0 0 7,127
SPLUNK INC COM 848637104 619 5,951 SH   SOLE NONE 0 0 5,951
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 1,298 19,667 SH   SOLE NONE 0 0 19,667
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 296 5,902 SH   SOLE NONE 0 0 5,902
APPLIED MATLS INC COM 038222105 286 8,024 SH   SOLE NONE 0 0 8,024
ISHARES TR INTL DEV RE ETF 464288489 436 15,639 SH   SOLE NONE 0 0 15,639
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 9,741 179,856 SH   SOLE NONE 0 0 179,856
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 23,765 346,283 SH   SOLE NONE 0 0 346,283
ISHARES TR SH TR CRPORT ETF 464288646 1,003 19,450 SH   SOLE NONE 0 0 19,450
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,452 8,533 SH   SOLE NONE 0 0 8,533
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 9,666 392,959 SH   SOLE NONE 0 0 392,959
GILEAD SCIENCES INC COM 375558103 250 3,267 SH   SOLE NONE 0 0 3,267
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 342 962 SH   SOLE NONE 0 0 962
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,857 272,530 SH   SOLE NONE 0 0 272,530
APPLE INC COM 037833100 1,770 7,803 SH   SOLE NONE 0 0 7,803
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 12,901 176,737 SH   SOLE NONE 0 0 176,737
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 386 11,264 SH   SOLE NONE 0 0 11,264
ISHARES TR S&P 500 VAL ETF 464287408 1,065 9,148 SH   SOLE NONE 0 0 9,148
ISHARES TR SP SMCP600VL ETF 464287879 475 2,939 SH   SOLE NONE 0 0 2,939
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,214 39,430 SH   SOLE NONE 0 0 39,430
ISHARES TR CORE US AGGBD ET 464287226 12,025 115,138 SH   SOLE NONE 0 0 115,138
ALPHABET INC CAP STK CL C 02079K107 391 344 SH   SOLE NONE 0 0 344
WORKDAY INC CL A 98138H101 257 1,955 SH   SOLE NONE 0 0 1,955
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138E784 9,275 349,353 SH   SOLE NONE 0 0 349,353
ISHARES TR JPMORGAN USD EMG 464288281 6,354 60,037 SH   SOLE NONE 0 0 60,037
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,342 10,181 SH   SOLE NONE 0 0 10,181
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 906 21,643 SH   SOLE NONE 0 0 21,643
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,401 61,266 SH   SOLE NONE 0 0 61,266
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,095 37,457 SH   SOLE NONE 0 0 37,457
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 18,091 363,650 SH   SOLE NONE 0 0 363,650
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 43,077 553,767 SH   SOLE NONE 0 0 553,767
ISHARES TR RUSSELL 2000 ETF 464287655 234 1,456 SH   SOLE NONE 0 0 1,456
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 14,316 133,608 SH   SOLE NONE 0 0 133,608
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 422 6,094 SH   SOLE NONE 0 0 6,094
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 23,231 1,003,083 SH   SOLE NONE 0 0 1,003,083
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,026 6,577 SH   SOLE NONE 0 0 6,577
ISHARES TR INTL SEL DIV ETF 464288448 480 15,115 SH   SOLE NONE 0 0 15,115
AT&T INC COM 00206R102 271 8,118 SH   SOLE NONE 0 0 8,118
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,534 10,423 SH   SOLE NONE 0 0 10,423
ISHARES INC CORE MSCI EMKT 46434G103 3,848 78,181 SH   SOLE NONE 0 0 78,181
ISHARES TR CORE TOTAL USD 46434V613 1,332 27,404 SH   SOLE NONE 0 0 27,404
8X8 INC NEW COM 282914100 411 21,760 SH   SOLE NONE 0 0 21,760
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 6,104 163,758 SH   SOLE NONE 0 0 163,758
ALPHABET INC CAP STK CL A 02079K305 397 347 SH   SOLE NONE 0 0 347
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 272 3,504 SH   SOLE NONE 0 0 3,504
SCHWAB STRATEGIC TR US TIPS ETF 808524870 7,068 132,427 SH   SOLE NONE 0 0 132,427
ISHARES TR CORE S&P SCP ETF 464287804 4,563 54,661 SH   SOLE NONE 0 0 54,661
ISHARES TR CORE MSCI EAFE 46432F842 2,764 44,566 SH   SOLE NONE 0 0 44,566
SCHWAB STRATEGIC TR US REIT ETF 808524847 8,323 202,235 SH   SOLE NONE 0 0 202,235
ISHARES TR TIPS BD ETF 464287176 3,999 36,512 SH   SOLE NONE 0 0 36,512