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 Company COM 88579Y101 445 2,522 SH   SOLE   2,522 0 0
AIG Warrants Expire 1/19/21 COM 026874156 2,611 254,030 SH   SOLE   254,030 0 0
AT&T, Inc. COM 00206R102 3,620 92,620 SH   SOLE   92,620 0 0
Agilent Technologies Inc. COM 00846U101 346 4,061 SH   SOLE   4,061 0 0
Alibaba Group Holding Limited COM 01609w102 426 2,007 SH   SOLE   2,007 0 0
Alphabet Inc Cl A COM 02079k305 534 399 SH   SOLE   399 0 0
Alphabet Inc Cl C COM 02079k107 735 550 SH   SOLE   550 0 0
Altria Group Inc COM 02209S103 220 4,404 SH   SOLE   4,404 0 0
Amazon.Com Inc. COM 023135106 652 353 SH   SOLE   353 0 0
American Express Company COM 025816109 1,676 13,463 SH   SOLE   13,463 0 0
American International Group N COM 026874784 1,411 27,481 SH   SOLE   27,481 0 0
Amgen Inc. COM 031162100 538 2,230 SH   SOLE   2,230 0 0
Apollo Commercial Real Estate COM 03762U105 415 22,700 SH   SOLE   22,700 0 0
Apollo Global Management Inc. COM 03768e105 2,708 56,750 SH   SOLE   56,750 0 0
Apple Inc. COM 037833100 9,381 31,947 SH   SOLE   31,947 0 0
Applied Materials Inc COM 038222105 482 7,900 SH   SOLE   7,900 0 0
Assurant Inc. COM 04621X108 236 1,800 SH   SOLE   1,800 0 0
Autodesk Inc COM 052769106 261 1,420 SH   SOLE   1,420 0 0
Avis Budget Group Inc. COM 053774105 219 6,800 SH   SOLE   6,800 0 0
Banco Santander, S.A. (ADR) COM 05964h105 272 65,816 SH   SOLE   65,816 0 0
Bank of America Corp. COM 060505104 4,969 141,079 SH   SOLE   141,079 0 0
Becton Dickinson & Co COM 075887109 927 3,410 SH   SOLE   3,410 0 0
Berkshire Hathaway Cl B COM 084670702 1,592 7,027 SH   SOLE   7,027 0 0
Blackstone Group Inc. Cl A COM 09260D107 4,253 76,020 SH   SOLE   76,020 0 0
Blackstone Mortgage Trust, Inc COM 09257W100 398 10,700 SH   SOLE   10,700 0 0
Boeing Company COM 097023105 1,482 4,549 SH   SOLE   4,549 0 0
Bristol-Myers Squibb Co. COM 110122108 1,125 17,527 SH   SOLE   17,527 0 0
Brookfield Asset Management Cl COM 112585104 1,036 17,930 SH   SOLE   17,930 0 0
CIGNA Corp. New Com COM 125523100 202 989 SH   SOLE   989 0 0
CSX Corp. COM 126408103 275 3,800 SH   SOLE   3,800 0 0
CVS Health Corp. COM 126650100 2,234 30,066 SH   SOLE   30,066 0 0
Carlyle Group COM 14316J108 5,037 157,000 SH   SOLE   157,000 0 0
Caterpillar Inc. COM 149123101 945 6,396 SH   SOLE   6,396 0 0
CenturyLink Inc. COM 156700106 2,538 192,107 SH   SOLE   192,107 0 0
Charles Schwab Corp. COM 808513105 1,891 39,752 SH   SOLE   39,752 0 0
Chevron Corporation COM 166764100 948 7,868 SH   SOLE   7,868 0 0
Cisco Systems Inc COM 17275R102 1,930 40,240 SH   SOLE   40,240 0 0
Citigroup Inc. COM 172967424 3,036 38,007 SH   SOLE   38,007 0 0
Coca-Cola Co. COM 191216100 235 4,239 SH   SOLE   4,239 0 0
Comcast Corp New Cl A COM 20030N101 2,807 62,415 SH   SOLE   62,415 0 0
ConocoPhillips COM 20825C104 799 12,280 SH   SOLE   12,280 0 0
Costco Wholesale Corp. New COM 22160K105 1,708 5,811 SH   SOLE   5,811 0 0
DXC Technology Company Com. COM 23355l106 1,076 28,615 SH   SOLE   28,615 0 0
Danaher Corporation COM 235851102 253 1,650 SH   SOLE   1,650 0 0
Dell Inc COM 24703l202 385 7,496 SH   SOLE   7,496 0 0
Diageo Plc New (ADR) COM 25243Q205 232 1,380 SH   SOLE   1,380 0 0
Discovery Communications Ser C COM 25470F302 715 23,463 SH   SOLE   23,463 0 0
Exxon Mobil Corp. COM 30231G102 1,008 14,439 SH   SOLE   14,439 0 0
Facebook Inc. COM 30303m102 438 2,135 SH   SOLE   2,135 0 0
FedEx Corp. COM 31428X106 2,044 13,515 SH   SOLE   13,515 0 0
Fiat Chrysler Automobiles N.V. COM N31738102 521 35,450 SH   SOLE   35,450 0 0
General Electric Company COM 369604103 3,847 344,710 SH   SOLE   344,710 0 0
General Motors Corp. COM 37045v100 282 7,692 SH   SOLE   7,692 0 0
Gilead Sciences Inc. COM 375558103 362 5,570 SH   SOLE   5,570 0 0
GlaxoSmithKline Plc (ADR) COM 37733W105 233 4,959 SH   SOLE   4,959 0 0
Goldman Sachs Group Inc. COM 38141G104 350 1,522 SH   SOLE   1,522 0 0
HP Inc. COM 40434l105 820 39,916 SH   SOLE   39,916 0 0
HSBC Holdings PLC (ADR)New COM 404280406 207 5,294 SH   SOLE   5,294 0 0
Hewlett Packard Enterprise Com COM 42824c109 696 43,896 SH   SOLE   43,896 0 0
Home Depot Inc. COM 437076102 3,017 13,814 SH   SOLE   13,814 0 0
Honeywell International Inc. COM 438516106 1,668 9,426 SH   SOLE   9,426 0 0
Host Hotels & Resorts, Inc. COM 44107P104 467 25,172 SH   SOLE   25,172 0 0
Humana Inc. COM 444859102 1,041 2,840 SH   SOLE   2,840 0 0
Impinj Inc. COM 453204109 211 8,150 SH   SOLE   8,150 0 0
Intel Corp. COM 458140100 2,462 41,136 SH   SOLE   41,136 0 0
International Bancshares Corp. COM 459044103 14,128 328,025 SH   SOLE   328,025 0 0
International Business Machine COM 459200101 976 7,285 SH   SOLE   7,285 0 0
JPMorgan Chase & Co. COM 46625H100 3,063 21,971 SH   SOLE   21,971 0 0
Johnson & Johnson COM 478160104 1,725 11,823 SH   SOLE   11,823 0 0
Johnson Controls Inc. COM g51502105 377 9,262 SH   SOLE   9,262 0 0
KKR & Co. Inc. LP Delaware COM 48251w104 4,163 142,700 SH   SOLE   142,700 0 0
Koninklijke Philips Electronic COM 500472303 1,292 26,485 SH   SOLE   26,485 0 0
Lockheed Martin Corp. COM 539830109 963 2,473 SH   SOLE   2,473 0 0
Lowe's Companies, Inc. COM 548661107 443 3,700 SH   SOLE   3,700 0 0
Marriott International, Inc. C COM 571903202 280 1,850 SH   SOLE   1,850 0 0
Marsh & McLennan Companies, In COM 571748102 375 3,370 SH   SOLE   3,370 0 0
McDonald's Corp. COM 580135101 1,883 9,531 SH   SOLE   9,531 0 0
McKesson Corp. COM 58155Q103 344 2,487 SH   SOLE   2,487 0 0
Medtronic Inc. COM g5960L103 507 4,470 SH   SOLE   4,470 0 0
Merck & Co. Inc. New COM 58933Y105 423 4,651 SH   SOLE   4,651 0 0
Microsoft Corp. COM 594918104 4,923 31,216 SH   SOLE   31,216 0 0
Morgan Stanley COM 617446448 312 6,100 SH   SOLE   6,100 0 0
Motorola Solutions Inc. COM 620076307 209 1,297 SH   SOLE   1,297 0 0
Nike Inc. Cl B COM 654106103 1,673 16,516 SH   SOLE   16,516 0 0
Nokia Corp (ADR) COM 654902204 548 147,797 SH   SOLE   147,797 0 0
Oracle Corp. COM 68389X105 2,080 39,267 SH   SOLE   39,267 0 0
PNC Financial Services Group, COM 693475105 555 3,475 SH   SOLE   3,475 0 0
Paypal Holdings Inc. COM 70450y103 2,055 18,998 SH   SOLE   18,998 0 0
Pepsico, Inc. COM 713448108 702 5,136 SH   SOLE   5,136 0 0
Pfizer, Inc. COM 717081103 1,297 33,106 SH   SOLE   33,106 0 0
Philip Morris International In COM 718172109 508 5,971 SH   SOLE   5,971 0 0
Procter & Gamble Co. COM 742718109 2,443 19,561 SH   SOLE   19,561 0 0
Qualcomm Inc. COM 747525103 928 10,523 SH   SOLE   10,523 0 0
Qurate Retail Group COM 74915m100 85 10,090 SH   SOLE   10,090 0 0
Royal Dutch Shell Plc COM 780259107 249 4,145 SH   SOLE   4,145 0 0
SAP AG (ADR) COM 803054204 778 5,810 SH   SOLE   5,810 0 0
SJW Group Com COM 784305104 494 6,945 SH   SOLE   6,945 0 0
Schlumberger Ltd F COM 806857108 838 20,855 SH   SOLE   20,855 0 0
Sempra Energy COM 816851109 230 1,519 SH   SOLE   1,519 0 0
Sony Corp. (ADR) COM 835699307 1,402 20,617 SH   SOLE   20,617 0 0
TE Connectivity Ltd. F COM h84989104 1,100 11,481 SH   SOLE   11,481 0 0
Tapestry Inc. COM 876030107 239 8,879 SH   SOLE   8,879 0 0
Teva Pharmaceutical Industries COM 881624209 502 51,218 SH   SOLE   51,218 0 0
The Walt Disney Co. COM 254687106 2,160 14,937 SH   SOLE   14,937 0 0
Thermo Fisher Scientific Inc. COM 883556102 715 2,202 SH   SOLE   2,202 0 0
Toyota Motor Corp. (ADR) COM 892331307 415 2,950 SH   SOLE   2,950 0 0
UBS Group CHF0.10 COM H42097107 459 36,480 SH   SOLE   36,480 0 0
United Technologies Corp. COM 913017109 700 4,673 SH   SOLE   4,673 0 0
UnitedHealth Group, Inc. COM 91324P102 5,372 18,273 SH   SOLE   18,273 0 0
Vale S.A. American Depositary COM 91912e105 140 10,600 SH   SOLE   10,600 0 0
Verizon Communications Inc. COM 92343V104 943 15,354 SH   SOLE   15,354 0 0
ViacomCBS Class B COM 92556H206 741 17,651 SH   SOLE   17,651 0 0
Visa, Inc. Cl A COM 92826C839 393 2,089 SH   SOLE   2,089 0 0
Vishay Intertechnology Inc. COM 928298108 253 11,900 SH   SOLE   11,900 0 0
WPP PLC F Sponsored ADR COM 92937A102 515 7,333 SH   SOLE   7,333 0 0
Wal-Mart Inc. COM 931142103 1,311 11,030 SH   SOLE   11,030 0 0
Waste Management Inc. COM 94106L109 627 5,500 SH   SOLE   5,500 0 0
Wells Fargo & Co. New COM 949746101 1,761 32,732 SH   SOLE   32,732 0 0
Yum China Holdings Inc. COM 98850p109 592 12,330 SH   SOLE   12,330 0 0
Yum! Brands, Inc. COM 988498101 1,262 12,529 SH   SOLE   12,529 0 0
eBay, Inc. COM 278642103 729 20,175 SH   SOLE   20,175 0 0
Consumer Discret Sel Sect SPDR COM 81369Y407 309 2,465 SH   SOLE   2,465 0 0
DB X-Trackers MSCI Europe UCIT COM 233051853 541 7,500 SH   SOLE   7,500 0 0
Direxion Daily Financial Bull COM 25459y694 1,136 12,000 SH   SOLE   12,000 0 0
Energy Select Sector SPDR COM 81369Y506 1,851 30,830 SH   SOLE   30,830 0 0
Financial Select Sector SPDR COM 81369Y605 1,195 38,818 SH   SOLE   38,818 0 0
Global X MLP & Energy Infrastr COM 37950E226 608 49,525 SH   SOLE   49,525 0 0
Global X Robotics & AI Themati COM 37954y715 4,379 200,245 SH   SOLE   200,245 0 0
Global X Silver Miners ETF COM 37954y848 361 10,895 SH   SOLE   10,895 0 0
Health Care Sector Select SPDR COM 81369Y209 993 9,744 SH   SOLE   9,744 0 0
Industrial Select Sector SPDR COM 81369y704 1,820 22,345 SH   SOLE   22,345 0 0
Invesco KBW Bank ETF COM 46138e628 14,674 251,999 SH   SOLE   251,999 0 0
Invesco KBW Regional Banking COM 46138e578 1,627 30,143 SH   SOLE   30,143 0 0
Invesco QQQ Trust Series 1 COM 46090e103 11,638 54,738 SH   SOLE   54,738 0 0
Invesco Water Resources COM 46137v142 425 11,000 SH   SOLE   11,000 0 0
Materials Select Sector SPDR E COM 81369Y100 1,297 21,115 SH   SOLE   21,115 0 0
ProShares Ultra Pro S&P500 COM 74347x864 1,260 18,000 SH   SOLE   18,000 0 0
SPDR Dow Jones Global Real Est COM 78463x749 1,629 31,624 SH   SOLE   31,624 0 0
SPDR Dow Jones Industrial Aver COM 78467x109 1,327 4,655 SH   SOLE   4,655 0 0
SPDR Gold Trust ETF COM 78463v107 279 1,950 SH   SOLE   1,950 0 0
SPDR KBW Regional Banking ETF COM 78464A698 3,417 58,665 SH   SOLE   58,665 0 0
SPDR S&P 500 Index ETF COM 78462F103 2,493 7,746 SH   SOLE   7,746 0 0
SPDR S&P Bank ETF COM 78464A797 824 17,417 SH   SOLE   17,417 0 0
SPDR S&P Global Natural Resour COM 78463X541 4,790 103,793 SH   SOLE   103,793 0 0
SPDR S&P Homebuilders ETF COM 78464a888 345 7,575 SH   SOLE   7,575 0 0
SPDR S&P MidCap 400 ETF COM 78467Y107 674 1,795 SH   SOLE   1,795 0 0
SPDR S&P Oil & Gas Explor & Pr COM 78464A730 1,200 50,620 SH   SOLE   50,620 0 0
Schwab 1000 Index ETF COM 808524722 384 12,175 SH   SOLE   12,175 0 0
Schwab Emerging Markets Equity COM 808524706 841 30,740 SH   SOLE   30,740 0 0
Schwab Fundamental Emerg Mkts COM 808524730 815 27,310 SH   SOLE   27,310 0 0
Schwab Fundamental Intl Large COM 808524755 661 22,873 SH   SOLE   22,873 0 0
Schwab Fundamental Intl Small COM 808524748 437 13,131 SH   SOLE   13,131 0 0
Schwab Fundamental US Broad Mk COM 808524789 738 17,524 SH   SOLE   17,524 0 0
Schwab Fundamental US Large Co COM 808524771 598 14,000 SH   SOLE   14,000 0 0
Schwab Fundamental US Small Co COM 808524763 258 6,410 SH   SOLE   6,410 0 0
Schwab International Equity ET COM 808524805 765 22,755 SH   SOLE   22,755 0 0
Schwab International Small Cap COM 808524888 2,404 69,385 SH   SOLE   69,385 0 0
Schwab US Broad Market ETF COM 808524102 1,296 16,851 SH   SOLE   16,851 0 0
Schwab US Large Cap Growth ETF COM 808524300 240 2,580 SH   SOLE   2,580 0 0
Schwab US Large Cap Value ETF COM 808524409 332 5,522 SH   SOLE   5,522 0 0
Schwab US Mid Cap ETF COM 808524508 674 11,210 SH   SOLE   11,210 0 0
Schwab US Small Cap ETF COM 808524607 360 4,758 SH   SOLE   4,758 0 0
Technology Select Sector SPDR COM 81369Y803 696 7,595 SH   SOLE   7,595 0 0
Vaneck Vectors Gold Miners ETF COM 92189f106 338 11,550 SH   SOLE   11,550 0 0
Vanguard Dividend Appreciation COM 921908844 578 4,640 SH   SOLE   4,640 0 0
Vanguard Emerging Markets ETF COM 922042858 4,287 96,401 SH   SOLE   96,401 0 0
Vanguard European ETF COM 922042874 1,867 31,860 SH   SOLE   31,860 0 0
Vanguard Extended Market Index COM 922908652 4,569 36,263 SH   SOLE   36,263 0 0
Vanguard FTSE All World Ex-US COM 922042775 4,756 88,490 SH   SOLE   88,490 0 0
Vanguard FTSE All-World Ex-US COM 922042718 1,430 12,870 SH   SOLE   12,870 0 0
Vanguard FTSE Developed Market COM 921943858 539 12,243 SH   SOLE   12,243 0 0
Vanguard Financials ETF COM 92204A405 5,285 69,285 SH   SOLE   69,285 0 0
Vanguard Global ex-US Real Est COM 922042676 1,039 17,585 SH   SOLE   17,585 0 0
Vanguard Growth ETF COM 922908736 2,213 12,150 SH   SOLE   12,150 0 0
Vanguard Health Care ETF COM 92204A504 782 4,080 SH   SOLE   4,080 0 0
Vanguard High Dividend Yield E COM 921946406 674 7,190 SH   SOLE   7,190 0 0
Vanguard Large Cap Index FDS E COM 922908637 222 1,500 SH   SOLE   1,500 0 0
Vanguard Mega Cap 300 Growth I COM 921910816 8,759 60,132 SH   SOLE   60,132 0 0
Vanguard Mega Cap 300 Index ET COM 921910873 418 3,745 SH   SOLE   3,745 0 0
Vanguard Mega Cap 300 Value In COM 921910840 8,942 102,569 SH   SOLE   102,569 0 0
Vanguard Mid Cap Growth ETF COM 922908538 1,801 11,340 SH   SOLE   11,340 0 0
Vanguard Mid-Cap ETF COM 922908629 15,079 84,626 SH   SOLE   84,626 0 0
Vanguard Mid-Cap Value ETF COM 922908512 4,524 37,955 SH   SOLE   37,955 0 0
Vanguard REIT ETF COM 922908553 518 5,585 SH   SOLE   5,585 0 0
Vanguard S&P 500 ETF COM 922908363 315 1,065 SH   SOLE   1,065 0 0
Vanguard S&P 500 Growth ETF COM 921932505 263 1,510 SH   SOLE   1,510 0 0
Vanguard Small Cap ETF COM 922908751 2,037 12,300 SH   SOLE   12,300 0 0
Vanguard Small Cap Growth ETF COM 922908595 268 1,350 SH   SOLE   1,350 0 0
Vanguard Total International S COM 921909768 5,226 93,848 SH   SOLE   93,848 0 0
Vanguard Total Stock Mkt ETF COM 922908769 3,299 20,165 SH   SOLE   20,165 0 0
Vanguard Value ETF COM 922908744 4,844 40,415 SH   SOLE   40,415 0 0
iShares Core Dividend Growth COM 46434v621 210 5,000 SH   SOLE   5,000 0 0
iShares Core EAFE COM 46432F842 968 14,843 SH   SOLE   14,843 0 0
iShares Core High Dividend ETF COM 46429B663 294 3,000 SH   SOLE   3,000 0 0
iShares Core MSCI Emerging Mkt COM 46434g103 8,563 159,278 SH   SOLE   159,278 0 0
iShares Core Russell US Growth COM 464287671 304 4,500 SH   SOLE   4,500 0 0
iShares Core S&P 500 ETF COM 464287200 987 3,053 SH   SOLE   3,053 0 0
iShares Core S&P Midcap ETF COM 464287507 4,760 23,127 SH   SOLE   23,127 0 0
iShares Core S&P Small Cap ETF COM 464287804 1,427 17,014 SH   SOLE   17,014 0 0
iShares Core S&P Total US Stoc COM 464287150 389 5,358 SH   SOLE   5,358 0 0
iShares DJ US Home Constructio COM 464288752 3,247 73,092 SH   SOLE   73,092 0 0
iShares MSCI ACWI ex US COM 464288240 221 4,500 SH   SOLE   4,500 0 0
iShares MSCI Brazil Index ETF COM 464286400 3,661 77,160 SH   SOLE   77,160 0 0
iShares MSCI EAFE Growth ETF COM 464288885 642 7,430 SH   SOLE   7,430 0 0
iShares MSCI EAFE Index ETF COM 464287465 586 8,437 SH   SOLE   8,437 0 0
iShares MSCI EAFE Value Index COM 464288877 2,940 58,880 SH   SOLE   58,880 0 0
iShares MSCI EMU Index Fund ET COM 464286608 1,831 43,675 SH   SOLE   43,675 0 0
iShares MSCI Emerging Markets COM 464287234 660 14,700 SH   SOLE   14,700 0 0
iShares MSCI Japan Index ETF COM 46434g822 912 15,387 SH   SOLE   15,387 0 0
iShares Nasdaq Biotechnology COM 464287556 2,254 18,701 SH   SOLE   18,701 0 0
iShares Russell 1000 Growth In COM 464287614 2,246 12,765 SH   SOLE   12,765 0 0
iShares Russell 1000 Value Ind COM 464287598 4,977 36,465 SH   SOLE   36,465 0 0
iShares Russell 2000 Index ETF COM 464287655 4,856 29,309 SH   SOLE   29,309 0 0
iShares Russell 2000 Value Ind COM 464287630 948 7,375 SH   SOLE   7,375 0 0
iShares Russell 3000 Index Fun COM 464287689 279 1,482 SH   SOLE   1,482 0 0
iShares Russell Midcap Value I COM 464287473 1,187 12,521 SH   SOLE   12,521 0 0
iShares S & P Small Cap 600 Va COM 464287879 220 1,370 SH   SOLE   1,370 0 0
iShares S&P 100 Index ETF COM 464287101 705 4,895 SH   SOLE   4,895 0 0
iShares S&P 500/Barra Growth E COM 464287309 718 3,710 SH   SOLE   3,710 0 0
iShares S&P 500/Barra Value ET COM 464287408 2,769 21,285 SH   SOLE   21,285 0 0
iShares S&P Global Healthcare COM 464287325 234 3,400 SH   SOLE   3,400 0 0
iShares S&P Global Technology COM 464287291 5,591 26,560 SH   SOLE   26,560 0 0
iShares S&P Midcap 400/Growth COM 464287606 541 2,270 SH   SOLE   2,270 0 0
iShares S&P Midcap 400/Value E COM 464287705 3,409 19,970 SH   SOLE   19,970 0 0
iShares Trust - iShares Core U COM 464287663 632 10,030 SH   SOLE   10,030 0 0
iShares Trust Core MSCI Total COM 46432F834 276 4,454 SH   SOLE   4,454 0 0
PCM Fund, Inc. COM 69323T101 1,864 162,664 SH   SOLE   162,664 0 0
PIMCO Short Maturity ETF COM 72201r833 5,524 54,374 SH   SOLE   54,374 0 0
Templeton Global Income Fund COM 880198106 61 10,000 SH   SOLE   10,000 0 0
Vanguard Short-Term Corporate COM 92206c409 456 5,630 SH   SOLE   5,630 0 0
iShares Short Maturity Bond ET COM 46431W507 626 12,450 SH   SOLE   12,450 0 0
iShares Short Treasury Bond ET COM 464288679 1,959 17,738 SH   SOLE   17,738 0 0