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| | | 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 | 368 | 199 | SH | | SOLE | 0 | 199 | 0 | 0 |
WISDOMTREE U.S. SMALLCAP FUND | ETF | 97717W562 | 573 | 14,910 | SH | | SOLE | 0 | 14,910 | 0 | 0 |
ISHARES GOLD TRUST | ETF | 464285105 | 3,427 | 236,370 | SH | | SOLE | 0 | 236,370 | 0 | 0 |
VANGUARD TOTAL STOCK MARKET INDEX ETF | ETF | 922908769 | 353,775 | 2,162,172 | SH | | SOLE | 0 | 2,162,171 | 0 | 0 |
INVESCO FUNDAMENTAL HIGH YIELD CORPORATE BOND ETF | ETF | 46138E719 | 2,321 | 120,491 | SH | | SOLE | 0 | 120,491 | 0 | 0 |
COCA COLA CO COM | Stock | 191216100 | 489 | 8,829 | SH | | SOLE | 0 | 8,829 | 0 | 0 |
VANGUARD REAL ESTATE INDEX ETF | ETF | 922908553 | 39,829 | 429,233 | SH | | SOLE | 0 | 429,233 | 0 | 0 |
ISHARES DOW JONES U.S. ETF | ETF | 464287846 | 958 | 6,000 | SH | | SOLE | 0 | 6,000 | 0 | 0 |
SPDR TR UNIT SER 1 | ETF | 78462F103 | 967 | 3,005 | SH | | SOLE | 0 | 3,005 | 0 | 0 |
ISHARES CORE MSCI PACIFIC ETF | ETF | 46434V696 | 1,336 | 22,866 | SH | | SOLE | 0 | 22,866 | 0 | 0 |
ISHARES CALIFORNIA MUNI BOND ETF | ETF | 464288356 | 4,463 | 72,893 | SH | | SOLE | 0 | 72,893 | 0 | 0 |
BECTON DICKINSON & CO COM | Stock | 075887109 | 430 | 1,580 | SH | | SOLE | 0 | 1,580 | 0 | 0 |
SCHWAB U.S. SMALL-CAP ETF | ETF | 808524607 | 755 | 9,980 | SH | | SOLE | 0 | 9,980 | 0 | 0 |
SCHWAB U.S. BROAD MARKET ETF | ETF | 808524102 | 3,742 | 48,678 | SH | | SOLE | 0 | 48,678 | 0 | 0 |
SCHWAB INTERNATIONAL EQUITY ETF | ETF | 808524805 | 592 | 17,590 | SH | | SOLE | 0 | 17,590 | 0 | 0 |
ISHARE S&P SMALL-CAP 600 | ETF | 464287804 | 806 | 9,609 | SH | | SOLE | 0 | 9,609 | 0 | 0 |
BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 | 277 | 1,225 | SH | | SOLE | 0 | 1,225 | 0 | 0 |
SCHWAB EMERGING MARKETS EQUITY ETF | ETF | 808524706 | 2,965 | 108,340 | SH | | SOLE | 0 | 108,340 | 0 | 0 |
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF | ETF | 808524888 | 3,075 | 88,738 | SH | | SOLE | 0 | 88,738 | 0 | 0 |
VANGUARD SMALL-CAP INDEX FUND | ETF | 922908751 | 1,550 | 9,356 | SH | | SOLE | 0 | 9,356 | 0 | 0 |
LINDE PLC SHS | Stock | G5494J103 | 309 | 1,452 | SH | | SOLE | 0 | 1,452 | 0 | 0 |
VANGUARD FTSE EUROPE INDEX ETF | ETF | 922042874 | 71,499 | 1,220,126 | SH | | SOLE | 0 | 1,220,125 | 0 | 0 |
SCHWAB U.S. LARGE-CAP VALUE ETF | ETF | 808524409 | 383 | 6,378 | SH | | SOLE | 0 | 6,378 | 0 | 0 |
SCHWAB U.S. TIPS ETF | ETF | 808524870 | 1,806 | 31,888 | SH | | SOLE | 0 | 31,888 | 0 | 0 |
VANGUARD S&P 500 ETF | ETF | 922908363 | 333 | 1,125 | SH | | SOLE | 0 | 1,124 | 0 | 0 |
VANGUARD FTSE PACIFIC INDEX ETF | ETF | 922042866 | 70,844 | 1,018,159 | SH | | SOLE | 0 | 1,018,159 | 0 | 0 |
SCHWAB US AGGREGATE BOND ETF | ETF | 808524839 | 5,370 | 100,508 | SH | | SOLE | 0 | 100,508 | 0 | 0 |
ISHARES MSCI ETF EAFE MINIMUM VOLATILITY | ETF | 46429B689 | 847 | 11,357 | SH | | SOLE | 0 | 11,357 | 0 | 0 |
ISHARES EDGE MSCI MIN VOL USA ETF | ETF | 46429B697 | 5,357 | 81,668 | SH | | SOLE | 0 | 81,668 | 0 | 0 |
VANGUARD BOND INDEX FUND TOTAL BOND MARKET | ETF | 921937835 | 1,655 | 19,739 | SH | | SOLE | 0 | 19,739 | 0 | 0 |
INVESCO S&P MIDCAP LOW VOLATILITY ETF | ETF | 46138E198 | 5,432 | 100,947 | SH | | SOLE | 0 | 100,947 | 0 | 0 |
VANGUARD INTERMEDIATE-TERM B | ETF | 921937819 | 568 | 6,509 | SH | | SOLE | 0 | 6,509 | 0 | 0 |
VANGUARD MID-CAP VALUE INDEX FUND | ETF | 922908512 | 875 | 7,340 | SH | | SOLE | 0 | 7,340 | 0 | 0 |
ISHARES S&P NAT AMT-FREE MUN | ETF | 464288414 | 40,101 | 352,037 | SH | | SOLE | 0 | 352,037 | 0 | 0 |
VANGUARD MSCI EAFE ETF | ETF | 921943858 | 795 | 18,054 | SH | | SOLE | 0 | 18,054 | 0 | 0 |
SPDR S&P DIVIDEND ETF | ETF | 78464A763 | 280 | 2,607 | SH | | SOLE | 0 | 2,607 | 0 | 0 |
VANGUARD EMERGING MARKET | ETF | 922042858 | 248 | 5,575 | SH | | SOLE | 0 | 5,575 | 0 | 0 |
ISHARES CORE MSCI EUROPE ETF | ETF | 46434V738 | 3,309 | 66,344 | SH | | SOLE | 0 | 66,344 | 0 | 0 |
ISHARES S&P SMALL-CAP 600 VALUE INDEX ETF | ETF | 464287879 | 111,242 | 691,802 | SH | | SOLE | 0 | 691,801 | 0 | 0 |
VANGUARD SHORT-TERM BOND INDEX FUND | ETF | 921937827 | 417 | 5,178 | SH | | SOLE | 0 | 5,178 | 0 | 0 |
VANGUARD MEGA CAP ETF | ETF | 921910873 | 2,563 | 22,938 | SH | | SOLE | 0 | 22,938 | 0 | 0 |
SPDR BLOOMBERG BARCLAYS HIGH YIELD BOND ETF | ETF | 78468R622 | 290 | 2,646 | SH | | SOLE | 0 | 2,646 | 0 | 0 |
ISHARES RUSSELL 3000 ETF | ETF | 464287689 | 293 | 1,555 | SH | | SOLE | 0 | 1,555 | 0 | 0 |
EXXON MOBIL CORP COM | Stock | 30231G102 | 459 | 6,572 | SH | | SOLE | 0 | 6,572 | 0 | 0 |