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 265 1,335 SH   SOLE   1,335 0 0
AT&T, Inc. COM 00206R102 1,847 64,187 SH   SOLE   64,187 0 0
Agilent Technologies Inc. COM 00846U101 568 3,846 SH   SOLE   3,846 0 0
Alibaba Group Holding Limited COM 01609w102 817 3,602 SH   SOLE   3,602 0 0
Alphabet Inc Cl A COM 02079k305 1,311 537 SH   SOLE   537 0 0
Alphabet Inc Cl C COM 02079k107 1,095 437 SH   SOLE   437 0 0
Altria Group Inc COM 02209S103 217 4,560 SH   SOLE   4,560 0 0
Amazon.Com Inc. COM 023135106 1,252 364 SH   SOLE   364 0 0
American Express Company COM 025816109 2,096 12,683 SH   SOLE   12,683 0 0
American International Group N COM 026874784 1,664 34,950 SH   SOLE   34,950 0 0
Amgen Inc. COM 031162100 518 2,127 SH   SOLE   2,127 0 0
Apollo Commercial Real Estate COM 03762U105 622 39,000 SH   SOLE   39,000 0 0
Apollo Global Management Inc. COM 03768e105 4,094 65,815 SH   SOLE   65,815 0 0
Apple Inc. COM 037833100 16,404 119,769 SH   SOLE   119,769 0 0
Applied Materials Inc COM 038222105 1,082 7,600 SH   SOLE   7,600 0 0
Assurant Inc. COM 04621X108 273 1,750 SH   SOLE   1,750 0 0
Autodesk Inc COM 052769106 414 1,420 SH   SOLE   1,420 0 0
Avis Budget Group Inc. COM 053774105 249 3,200 SH   SOLE   3,200 0 0
Banco Santander, S.A. (ADR) COM 05964h105 113 29,016 SH   SOLE   29,016 0 0
Bank of America Corp. COM 060505104 6,821 165,442 SH   SOLE   165,442 0 0
Becton Dickinson & Co COM 075887109 804 3,308 SH   SOLE   3,308 0 0
Berkshire Hathaway Cl B COM 084670702 2,349 8,453 SH   SOLE   8,453 0 0
Blackstone Group Inc. Cl A COM 09260D107 6,392 65,805 SH   SOLE   65,805 0 0
Blackstone Mortgage Trust, Inc COM 09257W100 402 12,600 SH   SOLE   12,600 0 0
Boeing Company COM 097023105 1,357 5,663 SH   SOLE   5,663 0 0
Bristol-Myers Squibb Co. COM 110122108 1,020 15,263 SH   SOLE   15,263 0 0
Brookfield Asset Management Cl COM 112585104 2,826 55,433 SH   SOLE   55,433 0 0
CSX Corp. COM 126408103 366 11,400 SH   SOLE   11,400 0 0
CVS Health Corp. COM 126650100 2,317 27,765 SH   SOLE   27,765 0 0
Carlyle Group COM 14316J108 6,253 134,535 SH   SOLE   134,535 0 0
Caterpillar Inc. COM 149123101 1,228 5,644 SH   SOLE   5,644 0 0
Charles Schwab Corp. COM 808513105 3,185 43,746 SH   SOLE   43,746 0 0
Chevron Corporation COM 166764100 519 4,953 SH   SOLE   4,953 0 0
Cisco Systems Inc COM 17275R102 2,130 40,180 SH   SOLE   40,180 0 0
Citigroup Inc. COM 172967424 3,851 54,434 SH   SOLE   54,434 0 0
Coca-Cola Co. COM 191216100 232 4,289 SH   SOLE   4,289 0 0
Comcast Corp New Cl A COM 20030N101 3,315 58,146 SH   SOLE   58,146 0 0
ConocoPhillips COM 20825C104 436 7,167 SH   SOLE   7,167 0 0
Corning Inc. COM 219350105 235 5,740 SH   SOLE   5,740 0 0
Costco Wholesale Corp. New COM 22160K105 2,060 5,206 SH   SOLE   5,206 0 0
DXC Technology Company Com. COM 23355l106 863 22,161 SH   SOLE   22,161 0 0
Danaher Corporation COM 235851102 335 1,250 SH   SOLE   1,250 0 0
Dell Inc COM 24703l202 724 7,262 SH   SOLE   7,262 0 0
Diageo Plc New (ADR) COM 25243Q205 265 1,380 SH   SOLE   1,380 0 0
Discovery Communications Ser C COM 25470F302 889 30,675 SH   SOLE   30,675 0 0
Expedia Group Inc. COM 30212p303 248 1,516 SH   SOLE   1,516 0 0
Exxon Mobil Corp. COM 30231G102 784 12,436 SH   SOLE   12,436 0 0
Facebook Inc. COM 30303m102 565 1,625 SH   SOLE   1,625 0 0
FedEx Corp. COM 31428X106 3,611 12,105 SH   SOLE   12,105 0 0
General Electric Company COM 369604103 4,734 351,704 SH   SOLE   351,704 0 0
Goldman Sachs Group Inc. COM 38141G104 609 1,605 SH   SOLE   1,605 0 0
HP Inc. COM 40434l105 1,085 35,936 SH   SOLE   35,936 0 0
Hewlett Packard Enterprise Com COM 42824c109 490 33,592 SH   SOLE   33,592 0 0
Home Depot Inc. COM 437076102 3,897 12,220 SH   SOLE   12,220 0 0
Honeywell International Inc. COM 438516106 1,972 8,989 SH   SOLE   8,989 0 0
Host Hotels & Resorts, Inc. COM 44107P104 468 27,401 SH   SOLE   27,401 0 0
Humana Inc. COM 444859102 1,180 2,665 SH   SOLE   2,665 0 0
Intel Corp. COM 458140100 2,297 40,921 SH   SOLE   40,921 0 0
International Bancshares Corp. COM 459044103 11,326 263,775 SH   SOLE   263,775 0 0
International Business Machine COM 459200101 919 6,269 SH   SOLE   6,269 0 0
JPMorgan Chase & Co. COM 46625H100 4,827 31,032 SH   SOLE   31,032 0 0
Johnson & Johnson COM 478160104 1,740 10,565 SH   SOLE   10,565 0 0
Johnson Controls Inc. COM g51502105 613 8,927 SH   SOLE   8,927 0 0
KKR & Co. Inc. COM 48251w104 7,090 119,685 SH   SOLE   119,685 0 0
Koninklijke Philips Electronic COM 500472303 1,219 24,518 SH   SOLE   24,518 0 0
Lockheed Martin Corp. COM 539830109 871 2,303 SH   SOLE   2,303 0 0
Lowe's Companies, Inc. COM 548661107 635 3,275 SH   SOLE   3,275 0 0
Lumen Technologies, Inc. COM 550241103 3,074 226,200 SH   SOLE   226,200 0 0
Marriott International, Inc. C COM 571903202 334 2,450 SH   SOLE   2,450 0 0
Marsh & McLennan Companies, In COM 571748102 355 2,520 SH   SOLE   2,520 0 0
McDonald's Corp. COM 580135101 2,088 9,041 SH   SOLE   9,041 0 0
McKesson Corp. COM 58155Q103 432 2,260 SH   SOLE   2,260 0 0
Medtronic Inc. COM g5960L103 485 3,906 SH   SOLE   3,906 0 0
Merck & Co. Inc. New COM 58933Y105 364 4,676 SH   SOLE   4,676 0 0
Microsoft Corp. COM 594918104 7,506 27,709 SH   SOLE   27,709 0 0
Morgan Stanley COM 617446448 323 3,520 SH   SOLE   3,520 0 0
Motorola Solutions Inc. COM 620076307 281 1,297 SH   SOLE   1,297 0 0
Nike Inc. Cl B COM 654106103 962 6,226 SH   SOLE   6,226 0 0
Nokia Corp (ADR) COM 654902204 874 164,272 SH   SOLE   164,272 0 0
Oracle Corp. COM 68389X105 2,847 36,575 SH   SOLE   36,575 0 0
PNC Financial Services Group, COM 693475105 660 3,460 SH   SOLE   3,460 0 0
Paypal Holdings Inc. COM 70450y103 5,146 17,655 SH   SOLE   17,655 0 0
Pepsico, Inc. COM 713448108 694 4,685 SH   SOLE   4,685 0 0
Pfizer, Inc. COM 717081103 1,390 35,506 SH   SOLE   35,506 0 0
Philip Morris International In COM 718172109 543 5,475 SH   SOLE   5,475 0 0
Procter & Gamble Co. COM 742718109 2,281 16,904 SH   SOLE   16,904 0 0
Qualcomm Inc. COM 747525103 1,152 8,060 SH   SOLE   8,060 0 0
Qurate Retail Group COM 74915m100 177 13,490 SH   SOLE   13,490 0 0
Raytheon Technologies Corp COM 75513E101 445 5,215 SH   SOLE   5,215 0 0
Royal Dutch Shell Plc COM 780259107 620 15,973 SH   SOLE   15,973 0 0
SAP AG (ADR) COM 803054204 797 5,673 SH   SOLE   5,673 0 0
SJW Group Com COM 784305104 440 6,945 SH   SOLE   6,945 0 0
Schlumberger Ltd F COM 806857108 230 7,180 SH   SOLE   7,180 0 0
Sempra Energy COM 816851109 201 1,519 SH   SOLE   1,519 0 0
Sony Corp. (ADR) COM 835699307 1,712 17,605 SH   SOLE   17,605 0 0
Southwest Airlines Co. COM 844741108 208 3,912 SH   SOLE   3,912 0 0
Stellantis N.V. COM N82405106 662 33,600 SH   SOLE   33,600 0 0
TE Connectivity Ltd. F COM h84989104 1,406 10,400 SH   SOLE   10,400 0 0
Tapestry Inc. COM 876030107 343 7,879 SH   SOLE   7,879 0 0
Tesla Motors Inc. COM 88160r101 391 575 SH   SOLE   575 0 0
Teva Pharmaceutical Industries COM 881624209 441 44,568 SH   SOLE   44,568 0 0
The Walt Disney Co. COM 254687106 2,630 14,962 SH   SOLE   14,962 0 0
Thermo Fisher Scientific Inc. COM 883556102 1,022 2,025 SH   SOLE   2,025 0 0
Toyota Motor Corp. (ADR) COM 892331307 262 1,500 SH   SOLE   1,500 0 0
UBS Group CHF0.10 COM H42097107 693 45,180 SH   SOLE   45,180 0 0
UnitedHealth Group, Inc. COM 91324P102 6,013 15,016 SH   SOLE   15,016 0 0
Verizon Communications Inc. COM 92343V104 568 10,139 SH   SOLE   10,139 0 0
ViacomCBS Class B COM 92556H206 1,155 25,563 SH   SOLE   25,563 0 0
Viatris COM 92556v106 427 29,882 SH   SOLE   29,882 0 0
Visa, Inc. Cl A COM 92826C839 477 2,039 SH   SOLE   2,039 0 0
Vishay Intertechnology Inc. COM 928298108 214 9,500 SH   SOLE   9,500 0 0
WPP PLC F Sponsored ADR COM 92937A102 549 8,100 SH   SOLE   8,100 0 0
Wal-Mart Inc. COM 931142103 1,366 9,690 SH   SOLE   9,690 0 0
Waste Management Inc. COM 94106L109 771 5,500 SH   SOLE   5,500 0 0
Wells Fargo & Co. New COM 949746101 2,870 63,360 SH   SOLE   63,360 0 0
Yum China Holdings Inc. COM 98850p109 764 11,530 SH   SOLE   11,530 0 0
Yum! Brands, Inc. COM 988498101 1,271 11,045 SH   SOLE   11,045 0 0
eBay, Inc. COM 278642103 1,343 19,135 SH   SOLE   19,135 0 0
ARK Innovations ETF COM 00214q104 502 3,835 SH   SOLE   3,835 0 0
Avantis Emerging Markets Equit COM 025072604 351 5,043 SH   SOLE   5,043 0 0
Avantis International Equity E COM 025072703 505 8,004 SH   SOLE   8,004 0 0
Avantis U.S. Equity ETF COM 025072885 518 6,975 SH   SOLE   6,975 0 0
Avantis US Small Cap ValueETF COM 025072877 252 3,319 SH   SOLE   3,319 0 0
Consumer Discret Sel Sect SPDR COM 81369Y407 268 1,500 SH   SOLE   1,500 0 0
Dimensional US Target Value ET COM 25434v609 2,017 45,026 SH   SOLE   45,026 0 0
Direxion Daily Financial Bull COM 25459y694 1,312 12,000 SH   SOLE   12,000 0 0
Energy Select Sector SPDR COM 81369Y506 6,373 118,310 SH   SOLE   118,310 0 0
Financial Select Sector SPDR COM 81369Y605 1,447 39,431 SH   SOLE   39,431 0 0
Global X MLP & Energy Infrastr COM 37954y293 4,131 113,663 SH   SOLE   113,663 0 0
Global X Robotics & AI Themati COM 37954y715 5,937 169,860 SH   SOLE   169,860 0 0
Global X Silver Miners ETF COM 37954y848 337 7,901 SH   SOLE   7,901 0 0
Goldman Sachs Innovative Equit COM 38149W820 4,073 65,466 SH   SOLE   65,466 0 0
Health Care Sector Select SPDR COM 81369Y209 1,504 11,944 SH   SOLE   11,944 0 0
Industrial Select Sector SPDR COM 81369y704 1,791 17,490 SH   SOLE   17,490 0 0
Invesco Dynamic Leisure & Ente COM 46137V720 403 7,710 SH   SOLE   7,710 0 0
Invesco KBW Bank ETF COM 46138e628 20,501 318,287 SH   SOLE   318,287 0 0
Invesco KBW Regional Banking COM 46138e578 393 6,575 SH   SOLE   6,575 0 0
Invesco QQQ Trust Series 1 COM 46090e103 15,680 44,240 SH   SOLE   44,240 0 0
Invesco Water Resources COM 46137v142 268 5,000 SH   SOLE   5,000 0 0
Materials Select Sector SPDR E COM 81369Y100 1,193 14,500 SH   SOLE   14,500 0 0
ProShares Ultra Pro S&P500 COM 74347x864 2,041 18,000 SH   SOLE   18,000 0 0
Robo Global Healthcare Tech & COM 301505723 2,168 45,010 SH   SOLE   45,010 0 0
Robo Global Robotics & Automat COM 301505707 561 8,610 SH   SOLE   8,610 0 0
Royce Value Trust Inc. COM 780910105 359 18,950 SH   SOLE   18,950 0 0
SPDR DJ Euro Stoxx 50 ETF COM 78463x202 225 4,800 SH   SOLE   4,800 0 0
SPDR Dow Jones Global Real Est COM 78463x749 2,081 40,419 SH   SOLE   40,419 0 0
SPDR Dow Jones Industrial Aver COM 78467x109 1,254 3,635 SH   SOLE   3,635 0 0
SPDR Gold Trust ETF COM 78463v107 979 5,910 SH   SOLE   5,910 0 0
SPDR KBW Regional Banking ETF COM 78464A698 955 14,575 SH   SOLE   14,575 0 0
SPDR S&P 400 Mid Cap Value ETF COM 78464A839 637 9,430 SH   SOLE   9,430 0 0
SPDR S&P 500 Index ETF COM 78462F103 2,677 6,254 SH   SOLE   6,254 0 0
SPDR S&P Bank ETF COM 78464A797 461 8,987 SH   SOLE   8,987 0 0
SPDR S&P Global Natural Resour COM 78463X541 4,627 87,303 SH   SOLE   87,303 0 0
SPDR S&P MidCap 400 ETF COM 78467Y107 1,403 2,858 SH   SOLE   2,858 0 0
SPDR Series Trust Biotech COM 78464a870 230 1,700 SH   SOLE   1,700 0 0
Schwab 1000 Index ETF COM 808524722 505 11,845 SH   SOLE   11,845 0 0
Schwab Emerging Markets Equity COM 808524706 774 23,525 SH   SOLE   23,525 0 0
Schwab Fundamental Intl Large COM 808524755 474 14,233 SH   SOLE   14,233 0 0
Schwab Fundamental US Broad Mk COM 808524789 307 5,637 SH   SOLE   5,637 0 0
Schwab Fundamental US Large Co COM 808524771 520 9,500 SH   SOLE   9,500 0 0
Schwab International Equity ET COM 808524805 773 19,586 SH   SOLE   19,586 0 0
Schwab International Small Cap COM 808524888 1,607 38,618 SH   SOLE   38,618 0 0
Schwab Strategic US Large Cap COM 808524300 436 2,985 SH   SOLE   2,985 0 0
Schwab US Broad Market ETF COM 808524102 1,322 12,679 SH   SOLE   12,679 0 0
Schwab US Large Cap Value ETF COM 808524409 810 11,843 SH   SOLE   11,843 0 0
Schwab US Mid Cap ETF COM 808524508 866 11,065 SH   SOLE   11,065 0 0
Schwab US Small Cap ETF COM 808524607 270 2,588 SH   SOLE   2,588 0 0
Technology Select Sector SPDR COM 81369Y803 554 3,750 SH   SOLE   3,750 0 0
Vaneck Vectors Gold Miners ETF COM 92189f106 326 9,600 SH   SOLE   9,600 0 0
Vanguard Dividend Appreciation COM 921908844 687 4,436 SH   SOLE   4,436 0 0
Vanguard Emerging Markets ETF COM 922042858 5,704 105,026 SH   SOLE   105,026 0 0
Vanguard Energy ETF COM 92204A306 523 6,888 SH   SOLE   6,888 0 0
Vanguard European ETF COM 922042874 2,454 36,480 SH   SOLE   36,480 0 0
Vanguard Extended Market Index COM 922908652 7,973 42,276 SH   SOLE   42,276 0 0
Vanguard FTSE All World Ex-US COM 922042775 6,119 96,530 SH   SOLE   96,530 0 0
Vanguard FTSE All-World Ex-US COM 922042718 1,868 13,690 SH   SOLE   13,690 0 0
Vanguard FTSE Developed Market COM 921943858 703 13,650 SH   SOLE   13,650 0 0
Vanguard Financials ETF COM 92204A405 5,459 60,356 SH   SOLE   60,356 0 0
Vanguard Global ex-US Real Est COM 922042676 2,646 45,346 SH   SOLE   45,346 0 0
Vanguard Growth ETF COM 922908736 3,147 10,971 SH   SOLE   10,971 0 0
Vanguard Health Care ETF COM 92204A504 965 3,905 SH   SOLE   3,905 0 0
Vanguard High Dividend Yield E COM 921946406 660 6,300 SH   SOLE   6,300 0 0
Vanguard Index Fund Small Cap COM 922908611 578 3,329 SH   SOLE   3,329 0 0
Vanguard Large Cap Index FDS E COM 922908637 301 1,500 SH   SOLE   1,500 0 0
Vanguard Mega Cap 300 Growth I COM 921910816 8,847 38,235 SH   SOLE   38,235 0 0
Vanguard Mega Cap 300 Index ET COM 921910873 539 3,535 SH   SOLE   3,535 0 0
Vanguard Mega Cap 300 Value In COM 921910840 9,368 94,038 SH   SOLE   94,038 0 0
Vanguard Mid Cap Growth ETF COM 922908538 2,268 9,594 SH   SOLE   9,594 0 0
Vanguard Mid-Cap ETF COM 922908629 19,289 81,267 SH   SOLE   81,267 0 0
Vanguard Mid-Cap Value ETF COM 922908512 4,560 32,455 SH   SOLE   32,455 0 0
Vanguard REIT ETF COM 922908553 953 9,367 SH   SOLE   9,367 0 0
Vanguard S&P 500 ETF COM 922908363 490 1,244 SH   SOLE   1,244 0 0
Vanguard Small Cap ETF COM 922908751 2,808 12,464 SH   SOLE   12,464 0 0
Vanguard Small Cap Growth ETF COM 922908595 320 1,103 SH   SOLE   1,103 0 0
Vanguard Total International S COM 921909768 5,429 82,661 SH   SOLE   82,661 0 0
Vanguard Total Stock Mkt ETF COM 922908769 3,793 17,021 SH   SOLE   17,021 0 0
Vanguard Value ETF COM 922908744 11,664 84,852 SH   SOLE   84,852 0 0
iShares Core Dividend Growth COM 46434v621 252 5,000 SH   SOLE   5,000 0 0
iShares Core EAFE COM 46432F842 1,256 16,782 SH   SOLE   16,782 0 0
iShares Core High Dividend ETF COM 46429B663 290 3,000 SH   SOLE   3,000 0 0
iShares Core MSCI Emerging Mkt COM 46434g103 10,611 158,395 SH   SOLE   158,395 0 0
iShares Core Russell US Growth COM 464287671 454 4,500 SH   SOLE   4,500 0 0
iShares Core S&P 500 ETF COM 464287200 1,917 4,460 SH   SOLE   4,460 0 0
iShares Core S&P Midcap ETF COM 464287507 6,026 22,424 SH   SOLE   22,424 0 0
iShares Core S&P Small Cap ETF COM 464287804 2,304 20,390 SH   SOLE   20,390 0 0
iShares Core S&P Total US Stoc COM 464287150 525 5,318 SH   SOLE   5,318 0 0
iShares DJ US Home Constructio COM 464288752 2,475 35,750 SH   SOLE   35,750 0 0
iShares Edge MSCI Intl Quality COM 46434V456 285 7,385 SH   SOLE   7,385 0 0
iShares Edge MSCI USA Quality COM 46432F339 826 6,220 SH   SOLE   6,220 0 0
iShares MSCI AC Asia Ex-Japan COM 464288182 232 2,455 SH   SOLE   2,455 0 0
iShares MSCI ACWI ex US COM 464288240 234 4,075 SH   SOLE   4,075 0 0
iShares MSCI Brazil Index ETF COM 464286400 2,644 65,220 SH   SOLE   65,220 0 0
iShares MSCI EAFE Growth ETF COM 464288885 768 7,160 SH   SOLE   7,160 0 0
iShares MSCI EAFE Index ETF COM 464287465 563 7,137 SH   SOLE   7,137 0 0
iShares MSCI EAFE Value Index COM 464288877 3,395 65,595 SH   SOLE   65,595 0 0
iShares MSCI EMU Index Fund ET COM 464286608 1,489 30,175 SH   SOLE   30,175 0 0
iShares MSCI Emerging Markets COM 464287234 637 11,550 SH   SOLE   11,550 0 0
iShares MSCI Japan Index ETF COM 46434g822 1,021 15,112 SH   SOLE   15,112 0 0
iShares Nasdaq Biotechnology COM 464287556 2,531 15,463 SH   SOLE   15,463 0 0
iShares Russell 1000 Growth In COM 464287614 2,965 10,920 SH   SOLE   10,920 0 0
iShares Russell 1000 Value Ind COM 464287598 6,070 38,268 SH   SOLE   38,268 0 0
iShares Russell 2000 Index ETF COM 464287655 4,632 20,194 SH   SOLE   20,194 0 0
iShares Russell 2000 Value Ind COM 464287630 882 5,320 SH   SOLE   5,320 0 0
iShares Russell 3000 Index Fun COM 464287689 363 1,417 SH   SOLE   1,417 0 0
iShares Russell Midcap Index F COM 464287499 446 5,630 SH   SOLE   5,630 0 0
iShares Russell Midcap Value I COM 464287473 2,180 18,956 SH   SOLE   18,956 0 0
iShares S & P Small Cap 600 Va COM 464287879 455 4,315 SH   SOLE   4,315 0 0
iShares S&P 100 Index ETF COM 464287101 810 4,130 SH   SOLE   4,130 0 0
iShares S&P 500/Barra Growth E COM 464287309 974 13,394 SH   SOLE   13,394 0 0
iShares S&P 500/Barra Value ET COM 464287408 3,051 20,667 SH   SOLE   20,667 0 0
iShares S&P Global Healthcare COM 464287325 283 3,400 SH   SOLE   3,400 0 0
iShares S&P Global Technology COM 464287291 6,602 19,560 SH   SOLE   19,560 0 0
iShares S&P Midcap 400/Growth COM 464287606 574 7,096 SH   SOLE   7,096 0 0
iShares S&P Midcap 400/Value E COM 464287705 3,298 31,306 SH   SOLE   31,306 0 0
iShares Silver Trust COM 46428q109 485 20,017 SH   SOLE   20,017 0 0
iShares Trust - iShares Core U COM 464287663 369 5,130 SH   SOLE   5,130 0 0
iShares Trust Core MSCI Total COM 46432F834 374 5,097 SH   SOLE   5,097 0 0
JP Morgan Ultra Short Income F COM 46641q837 419 8,250 SH   SOLE   8,250 0 0
PCM Fund, Inc. COM 69323T101 1,875 157,950 SH   SOLE   157,950 0 0
PIMCO 0-5 Yr. High Yield Corp. COM 72201R783 204 2,043 SH   SOLE   2,043 0 0
PIMCO Dynamic Income Opportuni COM 69355M107 1,678 72,379 SH   SOLE   72,379 0 0
PIMCO Short Maturity ETF COM 72201r833 11,524 113,014 SH   SOLE   113,014 0 0
SPDR SSgA Ultra Short Term Bon COM 78467V707 656 16,200 SH   SOLE   16,200 0 0
Vanguard Short-Term Corporate COM 92206c409 446 5,395 SH   SOLE   5,395 0 0
Vanguard Ultra Short Bond ETF COM 92203c303 471 9,400 SH   SOLE   9,400 0 0
iShares Short Maturity Bond ET COM 46431W507 2,714 54,110 SH   SOLE   54,110 0 0