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 | 576 | 183 | SH | | SOLE | 0 | 183 | 0 | 0 |
ISHARES GOLD TRUST | ETF | 464285105 | 2,407 | 133,819 | SH | | SOLE | 0 | 133,819 | 0 | 0 |
VANGUARD TOTAL STOCK MARKET INDEX ETF | ETF | 922908769 | 333,086 | 1,955,763 | SH | | SOLE | 0 | 1,955,763 | 0 | 0 |
INVESCO FUNDAMENTAL HIGH YIELD CORPORATE BOND ETF | ETF | 46138E719 | 2,508 | 135,259 | SH | | SOLE | 0 | 135,259 | 0 | 0 |
COCA COLA CO COM | Stock | 191216100 | 463 | 9,373 | SH | | SOLE | 0 | 9,373 | 0 | 0 |
VANGUARD REAL ESTATE INDEX ETF | ETF | 922908553 | 37,394 | 473,586 | SH | | SOLE | 0 | 473,586 | 0 | 0 |
ISHARES DOW JONES U.S. ETF | ETF | 464287846 | 1,000 | 6,000 | SH | | SOLE | 0 | 6,000 | 0 | 0 |
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF | ETF | 464288158 | 373 | 3,451 | SH | | SOLE | 0 | 3,451 | 0 | 0 |
SPDR TR UNIT SER 1 | ETF | 78462F103 | 877 | 2,620 | SH | | SOLE | 0 | 2,620 | 0 | 0 |
ISHARES S&P 100 ETF | ETF | 464287101 | 853 | 5,475 | SH | | SOLE | 0 | 5,475 | 0 | 0 |
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND | ETF | 922042718 | 266 | 2,531 | SH | | SOLE | 0 | 2,531 | 0 | 0 |
ISHARES CORE MSCI PACIFIC ETF | ETF | 46434V696 | 5,953 | 105,685 | SH | | SOLE | 0 | 105,685 | 0 | 0 |
ISHARES CALIFORNIA MUNI BOND ETF | ETF | 464288356 | 7,055 | 113,083 | SH | | SOLE | 0 | 113,083 | 0 | 0 |
BECTON DICKINSON & CO COM | Stock | 075887109 | 377 | 1,620 | SH | | SOLE | 0 | 1,620 | 0 | 0 |
SCHWAB U.S. SMALL-CAP ETF | ETF | 808524607 | 5,466 | 80,003 | SH | | SOLE | 0 | 80,002 | 0 | 0 |
SCHWAB U.S. BROAD MARKET ETF | ETF | 808524102 | 6,588 | 82,720 | SH | | SOLE | 0 | 82,719 | 0 | 0 |
SCHWAB INTERNATIONAL EQUITY ETF | ETF | 808524805 | 980 | 31,197 | SH | | SOLE | 0 | 31,197 | 0 | 0 |
PIMCO ENHANCED SHORT MATURITY ETF | ETF | 72201R833 | 404 | 3,959 | SH | | SOLE | 0 | 3,959 | 0 | 0 |
ISHARE S&P SMALL-CAP 600 | ETF | 464287804 | 785 | 11,172 | SH | | SOLE | 0 | 11,172 | 0 | 0 |
BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 | 270 | 1,266 | SH | | SOLE | 0 | 1,266 | 0 | 0 |
SCHWAB EMERGING MARKETS EQUITY ETF | ETF | 808524706 | 6,814 | 254,641 | SH | | SOLE | 0 | 254,641 | 0 | 0 |
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF | ETF | 808524888 | 8,033 | 246,954 | SH | | SOLE | 0 | 246,954 | 0 | 0 |
JPMORGAN BETABUILDERS EUROPE ETF | ETF | 46641Q720 | 657 | 28,724 | SH | | SOLE | 0 | 28,724 | 0 | 0 |
TENABLE HLDGS INC COM | Stock | 88025T102 | 4,538 | 120,220 | SH | | SOLE | 0 | 120,220 | 0 | 0 |
VANGUARD SMALL-CAP INDEX FUND | ETF | 922908751 | 1,591 | 10,344 | SH | | SOLE | 0 | 10,344 | 0 | 0 |
VANGUARD MID-CAP INDEX FUND | ETF | 922908629 | 608 | 3,449 | SH | | SOLE | 0 | 3,449 | 0 | 0 |
TESLA INC COM | Stock | 88160R101 | 215 | 500 | SH | | SOLE | 0 | 500 | 0 | 0 |
LINDE PLC SHS | Stock | G5494J103 | 346 | 1,452 | SH | | SOLE | 0 | 1,452 | 0 | 0 |
VANGUARD FTSE EUROPE INDEX ETF | ETF | 922042874 | 57,238 | 1,091,696 | SH | | SOLE | 0 | 1,091,696 | 0 | 0 |
SCHWAB U.S. TIPS ETF | ETF | 808524870 | 1,081 | 17,542 | SH | | SOLE | 0 | 17,542 | 0 | 0 |
SCHWAB U.S. REIT ETF | ETF | 808524847 | 301 | 8,510 | SH | | SOLE | 0 | 8,510 | 0 | 0 |
VANGUARD TOTAL INTERNATIONAL STOCK ETF | ETF | 921909768 | 529 | 10,134 | SH | | SOLE | 0 | 10,134 | 0 | 0 |
VANGUARD FTSE PACIFIC INDEX ETF | ETF | 922042866 | 64,361 | 945,784 | SH | | SOLE | 0 | 945,783 | 0 | 0 |
SCHWAB US AGGREGATE BOND ETF | ETF | 808524839 | 5,020 | 89,510 | SH | | SOLE | 0 | 89,510 | 0 | 0 |
ISHARES MSCI ETF EAFE MINIMUM VOLATILITY | ETF | 46429B689 | 1,308 | 19,199 | SH | | SOLE | 0 | 19,199 | 0 | 0 |
ISHARES MSCI USA MIN VOL FACTOR ETF | ETF | 46429B697 | 6,737 | 105,716 | SH | | SOLE | 0 | 105,716 | 0 | 0 |
INVESCO TOTAL RETURN BOND ETF | ETF | 46090A804 | 1,868 | 32,347 | SH | | SOLE | 0 | 32,347 | 0 | 0 |
VANGUARD TOTAL BOND INDEX ETF | ETF | 921937835 | 2,225 | 25,220 | SH | | SOLE | 0 | 25,220 | 0 | 0 |
INVESCO S&P MIDCAP LOW VOLATILITY ETF | ETF | 46138E198 | 4,827 | 115,861 | SH | | SOLE | 0 | 115,860 | 0 | 0 |
ISHARES RUSSELL MIDCAP INDEX | ETF | 464287499 | 233 | 4,054 | SH | | SOLE | 0 | 4,054 | 0 | 0 |
VANGUARD INTERMEDIATE-TERM B | ETF | 921937819 | 581 | 6,219 | SH | | SOLE | 0 | 6,219 | 0 | 0 |
VANGUARD MID-CAP VALUE INDEX FUND | ETF | 922908512 | 580 | 5,718 | SH | | SOLE | 0 | 5,718 | 0 | 0 |
ISHARES S&P NAT AMT-FREE MUN | ETF | 464288414 | 32,898 | 283,775 | SH | | SOLE | 0 | 283,775 | 0 | 0 |
ISHARES CORE MSCI EUROPE ETF | ETF | 46434V738 | 10,115 | 226,231 | SH | | SOLE | 0 | 226,231 | 0 | 0 |
ISHARES S&P SMALL-CAP 600 VALUE INDEX ETF | ETF | 464287879 | 93,693 | 765,343 | SH | | SOLE | 0 | 765,342 | 0 | 0 |
VANGUARD SHORT-TERM BOND INDEX FUND | ETF | 921937827 | 1,924 | 23,169 | SH | | SOLE | 0 | 23,169 | 0 | 0 |
VANGUARD MEGA CAP ETF | ETF | 921910873 | 2,517 | 20,989 | SH | | SOLE | 0 | 20,989 | 0 | 0 |
ISHARES RUSSELL 3000 ETF | ETF | 464287689 | 253 | 1,293 | SH | | SOLE | 0 | 1,293 | 0 | 0 |
EXXON MOBIL CORP COM | Stock | 30231G102 | 233 | 6,793 | SH | | SOLE | 0 | 6,793 | 0 | 0 |
DESCARTES SYS GROUP INC COM | Stock | 249906108 | 207 | 3,639 | SH | | SOLE | 0 | 3,639 | 0 | 0 |
APPLE INC | Stock | 037833100 | 447 | 3,864 | SH | | SOLE | 0 | 3,863 | 0 | 0 |