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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 | 388 | 199 | SH | | SOLE | 0 | 199 | 0 | 0 |
WISDOMTREE U.S. SMALLCAP FUND | ETF | 97717W562 | 255 | 11,417 | SH | | SOLE | 0 | 11,417 | 0 | 0 |
ISHARES GOLD TRUST | ETF | 464285105 | 1,669 | 110,752 | SH | | SOLE | 0 | 110,752 | 0 | 0 |
VANGUARD TOTAL STOCK MARKET INDEX ETF | ETF | 922908769 | 282,502 | 2,191,471 | SH | | SOLE | 0 | 2,191,470 | 0 | 0 |
INVESCO FUNDAMENTAL HIGH YIELD CORPORATE BOND ETF | ETF | 46138E719 | 1,904 | 114,861 | SH | | SOLE | 0 | 114,861 | 0 | 0 |
COCA COLA CO COM | Stock | 191216100 | 415 | 9,373 | SH | | SOLE | 0 | 9,373 | 0 | 0 |
VANGUARD REAL ESTATE INDEX ETF | ETF | 922908553 | 34,391 | 492,349 | SH | | SOLE | 0 | 492,349 | 0 | 0 |
ISHARES DOW JONES U.S. ETF | ETF | 464287846 | 757 | 6,000 | SH | | SOLE | 0 | 6,000 | 0 | 0 |
SPDR TR UNIT SER 1 | ETF | 78462F103 | 814 | 3,160 | SH | | SOLE | 0 | 3,160 | 0 | 0 |
ISHARES CORE MSCI PACIFIC ETF | ETF | 46434V696 | 2,477 | 53,437 | SH | | SOLE | 0 | 53,437 | 0 | 0 |
ISHARES CALIFORNIA MUNI BOND ETF | ETF | 464288356 | 3,853 | 63,672 | SH | | SOLE | 0 | 63,672 | 0 | 0 |
BECTON DICKINSON & CO COM | Stock | 075887109 | 363 | 1,580 | SH | | SOLE | 0 | 1,580 | 0 | 0 |
SCHWAB U.S. SMALL-CAP ETF | ETF | 808524607 | 1,043 | 20,237 | SH | | SOLE | 0 | 20,237 | 0 | 0 |
SCHWAB U.S. BROAD MARKET ETF | ETF | 808524102 | 3,232 | 53,488 | SH | | SOLE | 0 | 53,488 | 0 | 0 |
SCHWAB INTERNATIONAL EQUITY ETF | ETF | 808524805 | 612 | 23,700 | SH | | SOLE | 0 | 23,700 | 0 | 0 |
PIMCO EXCH TRADED FUND ENHANCED SHORT MATURITY EXCHANGE | ETF | 72201R833 | 226 | 2,288 | SH | | SOLE | 0 | 2,288 | 0 | 0 |
ISHARE S&P SMALL-CAP 600 | ETF | 464287804 | 634 | 11,308 | SH | | SOLE | 0 | 11,308 | 0 | 0 |
BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 | 230 | 1,260 | SH | | SOLE | 0 | 1,260 | 0 | 0 |
SCHWAB EMERGING MARKETS EQUITY ETF | ETF | 808524706 | 2,821 | 136,352 | SH | | SOLE | 0 | 136,352 | 0 | 0 |
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF | ETF | 808524888 | 2,561 | 104,949 | SH | | SOLE | 0 | 104,949 | 0 | 0 |
JPMORGAN BETABUILDERS EUROPE ETF | ETF | 46641Q720 | 450 | 23,512 | SH | | SOLE | 0 | 23,512 | 0 | 0 |
TENABLE HLDGS INC COM | Stock | 88025T102 | 2,628 | 120,220 | SH | | SOLE | 0 | 120,220 | 0 | 0 |
VANGUARD SMALL-CAP INDEX FUND | ETF | 922908751 | 1,049 | 9,090 | SH | | SOLE | 0 | 9,090 | 0 | 0 |
LINDE PLC SHS | Stock | G5494J103 | 251 | 1,452 | SH | | SOLE | 0 | 1,452 | 0 | 0 |
VANGUARD FTSE EUROPE INDEX ETF | ETF | 922042874 | 58,798 | 1,358,546 | SH | | SOLE | 0 | 1,358,546 | 0 | 0 |
SCHWAB U.S. TIPS ETF | ETF | 808524870 | 1,123 | 19,524 | SH | | SOLE | 0 | 19,524 | 0 | 0 |
VANGUARD S&P 500 ETF | ETF | 922908363 | 409 | 1,727 | SH | | SOLE | 0 | 1,726 | 0 | 0 |
SCHWAB U.S. REIT ETF | ETF | 808524847 | 225 | 6,862 | SH | | SOLE | 0 | 6,862 | 0 | 0 |
VANGUARD FTSE PACIFIC INDEX ETF | ETF | 922042866 | 58,795 | 1,065,891 | SH | | SOLE | 0 | 1,065,890 | 0 | 0 |
SCHWAB US AGGREGATE BOND ETF | ETF | 808524839 | 4,384 | 80,783 | SH | | SOLE | 0 | 80,783 | 0 | 0 |
ISHARES MSCI ETF EAFE MINIMUM VOLATILITY | ETF | 46429B689 | 994 | 16,018 | SH | | SOLE | 0 | 16,018 | 0 | 0 |
ISHARES EDGE MSCI MIN VOL USA ETF | ETF | 46429B697 | 5,298 | 98,100 | SH | | SOLE | 0 | 98,100 | 0 | 0 |
INVESCO TOTAL RETURN BOND ETF | ETF | 46090A804 | 2,837 | 53,414 | SH | | SOLE | 0 | 53,414 | 0 | 0 |
VANGUARD BOND INDEX FUND TOTAL BOND MARKET | ETF | 921937835 | 1,945 | 22,785 | SH | | SOLE | 0 | 22,785 | 0 | 0 |
INVESCO S&P MIDCAP LOW VOLATILITY ETF | ETF | 46138E198 | 4,680 | 117,529 | SH | | SOLE | 0 | 117,529 | 0 | 0 |
VANGUARD INTERMEDIATE-TERM B | ETF | 921937819 | 551 | 6,164 | SH | | SOLE | 0 | 6,164 | 0 | 0 |
VANGUARD MID-CAP VALUE INDEX FUND | ETF | 922908512 | 621 | 7,644 | SH | | SOLE | 0 | 7,644 | 0 | 0 |
ISHARES S&P NAT AMT-FREE MUN | ETF | 464288414 | 36,087 | 319,323 | SH | | SOLE | 0 | 319,323 | 0 | 0 |
ISHARES CORE MSCI EUROPE ETF | ETF | 46434V738 | 2,961 | 79,863 | SH | | SOLE | 0 | 79,863 | 0 | 0 |
ISHARES S&P SMALL-CAP 600 VALUE INDEX ETF | ETF | 464287879 | 87,507 | 875,593 | SH | | SOLE | 0 | 875,593 | 0 | 0 |
VANGUARD SHORT-TERM BOND INDEX FUND | ETF | 921937827 | 527 | 6,414 | SH | | SOLE | 0 | 6,414 | 0 | 0 |
VANGUARD MEGA CAP ETF | ETF | 921910873 | 2,120 | 23,308 | SH | | SOLE | 0 | 23,308 | 0 | 0 |
ISHARES RUSSELL 3000 ETF | ETF | 464287689 | 231 | 1,555 | SH | | SOLE | 0 | 1,555 | 0 | 0 |
EXXON MOBIL CORP COM | Stock | 30231G102 | 259 | 6,818 | SH | | SOLE | 0 | 6,818 | 0 | 0 |