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
3M CO COM 88579Y101 2,574 16,071 SH   SOLE   0 0 16,071
ABBOTT LABORATORIES COM 002824100 606 5,566 SH   SOLE   0 0 5,566
ABBVIE INC COM 00287Y109 296 3,384 SH   SOLE   0 0 3,384
ACCENTURE PLC-CL A COM G1151C101 5,168 22,867 SH   SOLE   0 0 22,867
ADOBE INC COM 00724F101 362 738 SH   SOLE   0 0 738
ALPHABET INC-CL A COM 02079K305 7,834 5,345 SH   SOLE   0 0 5,345
ALPHABET INC-CL C COM 02079K107 776 528 SH   SOLE   0 0 528
AMAZON.COM INC COM 023135106 14,909 4,735 SH   SOLE   0 0 4,735
AMGEN INC COM 031162100 232 911 SH   SOLE   0 0 911
AMPHENOL CORP-CL A COM 032095101 3,240 29,929 SH   SOLE   0 0 29,929
APPLE INC COM 037833100 17,565 151,675 SH   SOLE   0 0 151,675
AT&T INC COM 00206R102 330 11,591 SH   SOLE   0 0 11,591
BALL CORP COM 058498106 2,173 26,139 SH   SOLE   0 0 26,139
BERKSHIRE HATHAWAY INC-CL B COM 084670702 1,616 7,588 SH   SOLE   0 0 7,588
BERKSHIRE HATHAWAY INC-CL A COM 084670108 320 1 SH   SOLE   0 0 1
BLACKROCK INC COM 09247X101 2,675 4,747 SH   SOLE   0 0 4,747
BRISTOL-MYERS SQUIBB CO COM 110122108 212 3,514 SH   SOLE   0 0 3,514
BROADCOM INC COM 11135F101 4,271 11,724 SH   SOLE   0 0 11,724
BROWN & BROWN INC COM 115236101 1,544 34,105 SH   SOLE   0 0 34,105
CHEVRON CORP COM 166764100 240 3,327 SH   SOLE   0 0 3,327
CHURCH & DWIGHT CO INC COM 171340102 3,571 38,109 SH   SOLE   0 0 38,109
CIGNA CORP COM 125523100 2,560 15,114 SH   SOLE   0 0 15,114
CISCO SYSTEMS INC COM 17275R102 3,504 88,947 SH   SOLE   0 0 88,947
CITIGROUP INC COM 172967317 464 18,105 SH   SOLE   0 0 18,105
COCA-COLA CO/THE COM 191216100 357 7,227 SH   SOLE   0 0 7,227
COMCAST CORP-CLASS A COM 20030N101 289 6,245 SH   SOLE   0 0 6,245
COSTCO WHOLESALE CORP COM 22160K105 5,657 15,935 SH   SOLE   0 0 15,935
CROWN CASTLE INTL CORP COM 22822V101 1,776 10,668 SH   SOLE   0 0 10,668
CULLEN/FROST BANKERS INC COM 229899109 1,794 28,046 SH   SOLE   0 0 28,046
DANAHER CORP COM 235851102 247 1,148 SH   SOLE   0 0 1,148
DIGITAL REALTY TRUST INC COM 253868103 2,732 18,617 SH   SOLE   0 0 18,617
ECOLAB INC COM 278865100 3,717 18,601 SH   SOLE   0 0 18,601
EDWARDS LIFESCIENCES CORP COM 28176E108 5,970 74,795 SH   SOLE   0 0 74,795
ELI LILLY & CO COM 532457108 214 1,444 SH   SOLE   0 0 1,444
ESTEE LAUDER COMPANIES-CL A COM 518439104 825 3,779 SH   SOLE   0 0 3,779
EXTRACTION OIL & GAS INC COM 30227M105 3 56,000 SH   SOLE   0 0 56,000
FACEBOOK INC-CLASS A COM 30303M102 1,106 4,224 SH   SOLE   0 0 4,224
FASTENAL CO COM 311900104 228 5,057 SH   SOLE   0 0 5,057
FIDELITY HEALTH CARE ETF COM 316092600 217 4,120 SH   SOLE   0 0 4,120
FIDELITY MSCI INFO TECH ETF COM 316092808 367 3,982 SH   SOLE   0 0 3,982
FIDELITY REAL ESTATE ETF COM 316092857 2,776 118,133 SH   SOLE   0 0 118,133
FIRST REPUBLIC BANK/CA COM 33616C100 275 2,525 SH   SOLE   0 0 2,525
FORTITUDE GROUP INC COM 34960C100 0 50,000 SH   SOLE   0 0 50,000
FORTIVE CORP COM 34959J108 2,420 31,754 SH   SOLE   0 0 31,754
GENERAL ELECTRIC CO COM 369604103 64 10,346 SH   SOLE   0 0 10,346
GOLDMAN ACTIVEBETA US LC ETF COM 381430503 283 4,155 SH   SOLE   0 0 4,155
HARTFORD FINANCIAL SVCS GRP COM 416515104 839 22,771 SH   SOLE   0 0 22,771
HILL-ROM HOLDINGS INC COM 431475102 1,468 17,583 SH   SOLE   0 0 17,583
HOME DEPOT INC COM 437076102 910 3,278 SH   SOLE   0 0 3,278
HONEYWELL INTERNATIONAL INC COM 438516106 3,662 22,244 SH   SOLE   0 0 22,244
INTEL CORP COM 458140100 412 7,958 SH   SOLE   0 0 7,958
INTERCONTINENTAL EXCHANGE IN COM 45866F104 4,220 42,177 SH   SOLE   0 0 42,177
INTUIT INC COM 461202103 5,098 15,629 SH   SOLE   0 0 15,629
INTUITIVE SURGICAL INC COM 46120E602 333 470 SH   SOLE   0 0 470
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357 7,014 64,877 SH   SOLE   0 0 64,877
INVESCO S&P 500 LOW VOLATILI COM 46138E354 496 9,255 SH   SOLE   0 0 9,255
IQVIA HOLDINGS INC COM 46266C105 1,928 12,233 SH   SOLE   0 0 12,233
ISHA CURR HEDGED MSCI EAFE COM 46434V803 4,037 146,601 SH   SOLE   0 0 146,601
ISHARES CORE MSCI EAFE ETF COM 46432F842 6,327 104,966 SH   SOLE   0 0 104,966
ISHARES CORE MSCI EMERGING COM 46434G103 11,424 216,357 SH   SOLE   0 0 216,357
ISHARES CORE S&P 500 ETF COM 464287200 70,034 208,396 SH   SOLE   0 0 208,396
ISHARES CORE S&P MIDCAP ETF COM 464287507 60,976 329,048 SH   SOLE   0 0 329,048
ISHARES CORE S&P SMALL-CAP E COM 464287804 14,468 206,008 SH   SOLE   0 0 206,008
ISHARES CORE U.S. AGGREGATE COM 464287226 10,516 89,074 SH   SOLE   0 0 89,074
ISHARES IBOXX HIGH YLD CORP COM 464288513 551 6,564 SH   SOLE   0 0 6,564
ISHARES INTL AGGREGATE BOND COM 46435G672 740 13,290 SH   SOLE   0 0 13,290
ISHARES MSCI EAFE ETF COM 464287465 7,136 112,118 SH   SOLE   0 0 112,118
ISHARES MSCI EAFE GROWTH ETF COM 464288885 26,850 298,734 SH   SOLE   0 0 298,734
ISHARES MSCI EAFE SMALL-CAP COM 464288273 877 14,860 SH   SOLE   0 0 14,860
ISHARES MSCI EAFE VALUE ETF COM 464288877 15,141 375,241 SH   SOLE   0 0 375,241
ISHARES MSCI EMERGING MARKET COM 464287234 2,981 67,618 SH   SOLE   0 0 67,618
ISHARES MSCI USA MIN VOL FAC COM 46429B697 278 4,363 SH   SOLE   0 0 4,363
ISHARES MSCI USA QUALITY FAC COM 46432F339 34,634 333,855 SH   SOLE   0 0 333,855
ISHARES NATIONAL MUNI BOND E COM 464288414 215 1,851 SH   SOLE   0 0 1,851
ISHARES PREFERRED & INCOME S COM 464288687 1,870 51,299 SH   SOLE   0 0 51,299
ISHARES RUSSELL 1000 ETF COM 464287622 25,840 138,073 SH   SOLE   0 0 138,073
ISHARES RUSSELL 1000 GROWTH COM 464287614 1,087 5,010 SH   SOLE   0 0 5,010
ISHARES RUSSELL 1000 VALUE E COM 464287598 489 4,141 SH   SOLE   0 0 4,141
ISHARES RUSSELL 2000 ETF COM 464287655 2,939 19,621 SH   SOLE   0 0 19,621
ISHARES RUSSELL 3000 ETF COM 464287689 1,093 5,585 SH   SOLE   0 0 5,585
ISHARES RUSSELL TOP 200 GROW COM 464289438 282 2,327 SH   SOLE   0 0 2,327
ISHARES S&P 500 GROWTH ETF COM 464287309 10,798 46,727 SH   SOLE   0 0 46,727
ISHARES S&P 500 VALUE ETF COM 464287408 1,159 10,311 SH   SOLE   0 0 10,311
ISHARES SELECT DIVIDEND ETF COM 464287168 1,025 12,566 SH   SOLE   0 0 12,566
ISHARES US REAL ESTATE ETF COM 464287739 806 10,101 SH   SOLE   0 0 10,101
JACOBS ENGINEERING GROUP INC COM 469814107 1,666 17,957 SH   SOLE   0 0 17,957
JOHNSON & JOHNSON COM 478160104 6,236 41,884 SH   SOLE   0 0 41,884
JPMORGAN CHASE & CO COM 46625H100 5,109 53,065 SH   SOLE   0 0 53,065
KEYSIGHT TECHNOLOGIES IN COM 49338L103 2,199 22,261 SH   SOLE   0 0 22,261
KIMBERLY-CLARK CORP COM 494368103 427 2,889 SH   SOLE   0 0 2,889
LOWE'S COS INC COM 548661107 5,100 30,750 SH   SOLE   0 0 30,750
MASTERCARD INC - A COM 57636Q104 7,858 23,238 SH   SOLE   0 0 23,238
MCDONALD'S CORP COM 580135101 428 1,949 SH   SOLE   0 0 1,949
MERCK & CO. INC. COM 58933Y105 504 6,080 SH   SOLE   0 0 6,080
MICROSOFT CORP COM 594918104 10,861 51,639 SH   SOLE   0 0 51,639
MONDELEZ INTERNATIONAL INC-A COM 609207105 2,193 38,169 SH   SOLE   0 0 38,169
MORGAN STANLEY COM 617446448 2,162 44,714 SH   SOLE   0 0 44,714
NETFLIX INC COM 64110L106 315 629 SH   SOLE   0 0 629
NIKE INC -CL B COM 654106103 1,307 10,414 SH   SOLE   0 0 10,414
NOVO-NORDISK A/S-SPONS ADR COM 670100205 293 4,225 SH   SOLE   0 0 4,225
NVIDIA CORP COM 67066G104 535 989 SH   SOLE   0 0 989
ORACLE CORP COM 68389X105 464 7,774 SH   SOLE   0 0 7,774
O'REILLY AUTOMOTIVE INC COM 67103H107 1,345 2,918 SH   SOLE   0 0 2,918
PALO ALTO NETWORKS INC COM 697435105 1,991 8,134 SH   SOLE   0 0 8,134
PAYPAL HOLDINGS INC COM 70450Y103 353 1,791 SH   SOLE   0 0 1,791
PEPSICO INC COM 713448108 3,192 23,030 SH   SOLE   0 0 23,030
PFIZER INC COM 717081103 583 15,899 SH   SOLE   0 0 15,899
PHILLIPS EDISON GROCERY CENT COM 71844V102 1,825 208,539 SH   SOLE   0 0 208,539
PIONEER NATURAL RESOURCES CO COM 723787107 958 11,139 SH   SOLE   0 0 11,139
PROCTER & GAMBLE CO/THE COM 742718109 549 3,947 SH   SOLE   0 0 3,947
SALESFORCE.COM INC COM 79466L302 3,721 14,807 SH   SOLE   0 0 14,807
SCHWAB EMERGING MARKETS EQUI COM 808524706 395 14,761 SH   SOLE   0 0 14,761
SCHWAB INTL EQUITY ETF COM 808524805 10,271 327,114 SH   SOLE   0 0 327,114
SCHWAB INTL SMALL-CAP EQUITY COM 808524888 312 9,598 SH   SOLE   0 0 9,598
SCHWAB SHORT-TERM US TREAS COM 808524862 1,214 23,581 SH   SOLE   0 0 23,581
SCHWAB US BROAD MARKET ETF COM 808524102 8,241 103,473 SH   SOLE   0 0 103,473
SCHWAB US DVD EQUITY ETF COM 808524797 601 10,871 SH   SOLE   0 0 10,871
SCHWAB US LARGE-CAP ETF COM 808524201 2,580 31,995 SH   SOLE   0 0 31,995
SCHWAB US LARGE-CAP VALUE COM 808524409 254 4,861 SH   SOLE   0 0 4,861
SCHWAB US REIT ETF COM 808524847 2,500 70,675 SH   SOLE   0 0 70,675
SCHWAB US SMALL-CAP ETF COM 808524607 398 5,829 SH   SOLE   0 0 5,829
SOLAR WIND ENERGY TOWER INC COM 83416V105 0 100,000 SH   SOLE   0 0 100,000
SPDR GOLD SHARES COM 78463V107 2,970 16,771 SH   SOLE   0 0 16,771
SPDR S&P 500 ETF TRUST COM 78462F103 758 2,264 SH   SOLE   0 0 2,264
SPDR S&P DIVIDEND ETF COM 78464A763 5,821 62,998 SH   SOLE   0 0 62,998
STARBUCKS CORP COM 855244109 2,911 33,886 SH   SOLE   0 0 33,886
STIFEL FINANCIAL CORP COM 860630409 542 21,215 SH   SOLE   0 0 21,215
STRYKER CORP COM 863667101 280 1,345 SH   SOLE   0 0 1,345
TESLA INC COM 88160R101 360 839 SH   SOLE   0 0 839
TEXAS INSTRUMENTS INC COM 882508104 1,806 12,651 SH   SOLE   0 0 12,651
THERMO FISHER SCIENTIFIC INC COM 883556102 4,532 10,264 SH   SOLE   0 0 10,264
UNION PACIFIC CORP COM 907818108 636 3,233 SH   SOLE   0 0 3,233
UNITED PARCEL SERVICE-CL B COM 911312106 202 1,212 SH   SOLE   0 0 1,212
UNITEDHEALTH GROUP INC COM 91324P102 4,698 15,070 SH   SOLE   0 0 15,070
US BANCORP COM 902973759 222 8,230 SH   SOLE   0 0 8,230
VANGUARD FTSE ALL-WORLD EX-U COM 922042775 4,516 89,517 SH   SOLE   0 0 89,517
VANGUARD FTSE DEVELOPED ETF COM 921943858 34,605 846,099 SH   SOLE   0 0 846,099
VANGUARD FTSE EMERGING MARKE COM 922042858 20,828 481,678 SH   SOLE   0 0 481,678
VANGUARD GROWTH ETF COM 922908736 80,289 352,746 SH   SOLE   0 0 352,746
VANGUARD MID-CAP ETF COM 922908629 37,306 211,651 SH   SOLE   0 0 211,651
VANGUARD MID-CAP GROWTH ETF COM 922908538 210 1,163 SH   SOLE   0 0 1,163
VANGUARD REAL ESTATE ETF COM 922908553 33,915 429,527 SH   SOLE   0 0 429,527
VANGUARD RUSSELL 3000 COM 92206C599 983 6,460 SH   SOLE   0 0 6,460
VANGUARD S&P 500 ETF COM 922908363 57,979 188,456 SH   SOLE   0 0 188,456
VANGUARD S&P 500 GROWTH ETF COM 921932505 533 2,555 SH   SOLE   0 0 2,555
VANGUARD SHORT-TERM BOND ETF COM 921937827 2,118 25,498 SH   SOLE   0 0 25,498
VANGUARD SHORT-TERM TREASURY COM 92206C102 33,245 535,428 SH   SOLE   0 0 535,428
VANGUARD SMALL-CAP ETF COM 922908751 13,506 87,815 SH   SOLE   0 0 87,815
VANGUARD SMALL-CAP VALUE ETF COM 922908611 336 3,040 SH   SOLE   0 0 3,040
VANGUARD TOTAL BOND MARKET COM 921937835 8,319 94,302 SH   SOLE   0 0 94,302
VANGUARD TOTAL INTL BOND ETF COM 92203J407 4,193 72,071 SH   SOLE   0 0 72,071
VANGUARD TOTAL INTL STOCK COM 921909768 418 8,005 SH   SOLE   0 0 8,005
VANGUARD TOTAL STOCK MKT ETF COM 922908769 3,230 18,963 SH   SOLE   0 0 18,963
VANGUARD VALUE ETF COM 922908744 27,499 263,121 SH   SOLE   0 0 263,121
VERIZON COMMUNICATIONS INC COM 92343V104 2,809 47,213 SH   SOLE   0 0 47,213
VISA INC-CLASS A SHARES COM 92826C839 488 2,439 SH   SOLE   0 0 2,439
WALMART INC COM 931142103 736 5,257 SH   SOLE   0 0 5,257
WALT DISNEY CO/THE COM 254687106 3,389 27,316 SH   SOLE   0 0 27,316
WELLS FARGO & COMPANY COM 949746465 275 9,800 SH   SOLE   0 0 9,800
WELLS FARGO & COMPANY COM 94988U672 248 9,550 SH   SOLE   0 0 9,550
WISDOMTREE US HIGH DIVIDEND COM 97717W208 836 13,371 SH   SOLE   0 0 13,371
WISDOMTREE US SMALLCAP DIVID COM 97717W604 2,546 120,763 SH   SOLE   0 0 120,763
XTRACKERS MSCI EAFE HEDGED E COM 233051200 15,533 507,620 SH   SOLE   0 0 507,620
XTRACKERS USD HIGH YIELD COR COM 233051432 883 18,361 SH   SOLE   0 0 18,361
ZOETIS INC COM 98978V103 4,055 24,522 SH   SOLE   0 0 24,522