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
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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
Apple Computer, Inc. Stock 037833100 1,094 4,886 SH   SOLE   4,886 0 0
Abbott Laboratories Stock 002824100 38 457 SH   SOLE   457 0 0
Analog Devices Inc Stock 032654105 53 478 SH   SOLE   478 0 0
Ameren Corp Stock 023608102 3 34 SH   SOLE   34 0 0
AGCO Corp Stock 001084102 10 134 SH   SOLE   134 0 0
iShares Barclays Aggregate Bond Fund (ETF) ETF 464287226 15,486 136,840 SH   SOLE   136,840 0 0
American Intl Group Inc Wt Exp 01/19/202 Stock 026874156 6 413 SH   SOLE   413 0 0
Alexion Pharma Inc Stock 015351109 1 15 SH   SOLE   15 0 0
Advanced Micro Devices Inc Stock 007903107 1 24 SH   SOLE   24 0 0
Affiliated Managers Grp Stock 008252108 1 8 SH   SOLE   8 0 0
American Tower Corp Stock 03027X100 20 90 SH   SOLE   90 0 0
Amazon.com Stock 023135106 26 15 SH   SOLE   15 0 0
Avalonbay Communities Inc. Stock 053484101 3 14 SH   SOLE   14 0 0
American Express Stock 025816109 24 200 SH   SOLE   200 0 0
Boeing Stock 097023105 152 400 SH   SOLE   400 0 0
Bank of America Stock 060505104 712 24,415 SH   SOLE   24,415 0 0
Brighthouse Financial Inc Stock 10922N103 0 9 SH   SOLE   9 0 0
Bank of New York Co Inc Stock 064058100 32 697 SH   SOLE   697 0 0
Biomarin Pharmaceutl Stock 09061G101 1 16 SH   SOLE   16 0 0
Vanguard Total Bond Market (ETF) ETF 921937835 7,721 91,452 SH   SOLE   91,452 0 0
Bank Of Commerce Holdings Inc Stock 06424J103 22 2,000 SH   SOLE   2,000 0 0
PIMCO Total Return (ETF) ETF 72201R775 16 150 SH   SOLE   150 0 0
Berkshire Hathaway Class B Stock 084670702 69 331 SH   SOLE   331 0 0
Boston Scientific Corp. Stock 101137107 2 51 SH   SOLE   51 0 0
Citigroup, Inc. Stock 172967424 15 220 SH   SOLE   220 0 0
Barclays ETN Shiller Capet Stock 06742A669 6 45 SH   SOLE   45 0 0
Chubb Corp. Stock H1467J104 2 13 SH   SOLE   13 0 0
Celanese Corp Stock 150870103 1 12 SH   SOLE   12 0 0
Cigna Corp. Stock 125523100 24 156 SH   SOLE   156 0 0
Colgate-Palmolive Co. Stock 194162103 10 137 SH   SOLE   137 0 0
Comcast Corp. A Stock 20030N101 18 410 SH   SOLE   410 0 0
iShares Cali AMT-Free Muni Bond (ETF) ETF 464288356 940 15,339 SH   SOLE   15,339 0 0
Compass Minerals International Stock 20451N101 6 113 SH   SOLE   113 0 0
C M S Energy Corp Stock 125896100 2 39 SH   SOLE   39 0 0
Cooper Companies Stock 216648402 1 5 SH   SOLE   5 0 0
ConocoPhillips Stock 20825C104 7 131 SH   SOLE   131 0 0
Campbell Soup Co Stock 134429109 6 124 SH   SOLE   124 0 0
Cisco Systems Stock 17275R102 74 1,496 SH   SOLE   1,496 0 0
Corteva Inc Com Stock 22052L104 17 623 SH   SOLE   623 0 0
Citrix Systems Inc Stock 177376100 1 11 SH   SOLE   11 0 0
CVS Corp Del Stock 126650100 1 10 SH   SOLE   10 0 0
Chevron Corporation Stock 166764100 164 1,383 SH   SOLE   1,383 0 0
Concho Resources, Inc. Stock 20605P101 1 11 SH   SOLE   11 0 0
Deutsche X-trackers MSCI Europe Hedged Equity (ETF) ETF 233051853 6 191 SH   SOLE   191 0 0
DuPont de Nemours Inc Stock 26614N102 44 623 SH   SOLE   623 0 0
Guggenheim Defensive Equity (ETF) ETF 46138J775 5 100 SH   SOLE   100 0 0
Diageo PLC Stock 25243Q205 115 703 SH   SOLE   703 0 0
Discover Financial Services Stock 254709108 122 1,500 SH   SOLE   1,500 0 0
Danaher Corp. Stock 235851102 18 128 SH   SOLE   128 0 0
Walt Disney Holding Company Stock 254687106 2 12 SH   SOLE   12 0 0
Delphi Technologies PLC Stock G2709G107 0 34 SH   SOLE   34 0 0
Dollar Tree Inc Stock 256746108 1 13 SH   SOLE   13 0 0
Dunkin' Brands Group Inc. Stock 265504100 2 19 SH   SOLE   19 0 0
Dow Chemical Company Stock 260557103 11 223 SH   SOLE   223 0 0
iShares MSCI KLD 400 Social ETF 464288570 2,776 25,030 SH   SOLE   25,030 0 0
Doubleline Income Solutions Fund ETF 258622109 485 24,351 SH   SOLE   24,351 0 0
Devon Energy Stock 25179M103 1 32 SH   SOLE   32 0 0
iShares Select Dividend (ETF) ETF 464287168 5 53 SH   SOLE   53 0 0
WisdomTree International Equity (ETF) ETF 97717W703 562 11,300 SH   SOLE   11,300 0 0
DXC Technology Co Stock 23355L106 14 464 SH   SOLE   464 0 0
Encana Corp. Stock 292505104 5 1,014 SH   SOLE   1,014 0 0
iShares MSCI Emerging Market Fund (ETF) ETF 464287234 684 16,724 SH   SOLE   16,724 0 0
iShares MSCI EAFE Index Fund (ETF) ETF 464287465 8,542 130,998 SH   SOLE   130,998 0 0
iShares J.P. Morgan USD Emerging Markets Bond (ETF) ETF 464288281 3,759 33,166 SH   SOLE   33,166 0 0
Emerson Electric Co. Stock 291011104 11 162 SH   SOLE   162 0 0
EOG Resources, Inc. Stock 26875P101 1 18 SH   SOLE   18 0 0
Equity Residential Stock 29476L107 3 30 SH   SOLE   30 0 0
iShares MSCI EAFE ESG Optimized (ETF) ETF 46435G516 1,691 26,377 SH   SOLE   26,377 0 0
iShares MSCI EM ESG Optimized (ETF) ETF 46434G863 2,342 71,980 SH   SOLE   71,980 0 0
iShares MSCI USA Small-Cap ESG Optimized (ETF) ETF 46435U663 129 4,850 SH   SOLE   4,850 0 0
Facebook Inc Class A Stock 30303M102 21 116 SH   SOLE   116 0 0
Fedex Corp Stock 31428X106 1 7 SH   SOLE   7 0 0
Fox Corp Cl A Com Stock 35137L105 0 13 SH   SOLE   13 0 0
Federal Realty Stock 313747206 1 7 SH   SOLE   7 0 0
General Electric Company Stock 369604103 22 2,417 SH   SOLE   2,417 0 0
General Finance Corp Stock 369822101 450 50,913 SH   SOLE   50,913 0 0
Corning, Inc. Stock 219350105 32 1,130 SH   SOLE   1,130 0 0
Alphabet Inc Class A Stock 02079K305 23 19 SH   SOLE   19 0 0
Global Payments Inc Stock 37940X102 2 12 SH   SOLE   12 0 0
FlexShares Morningstar Global Upstream Natural Resources Index Fund (ETF) ETF 33939L407 2,873 92,230 SH   SOLE   92,230 0 0
Halliburton Co Stock 406216101 1 29 SH   SOLE   29 0 0
Home Depot Inc Stock 437076102 2 7 SH   SOLE   7 0 0
iShares High Dividend Equity Fund (ETF) ETF 46429B663 1,856 19,713 SH   SOLE   19,713 0 0
Hecla Mining Company Stock 422704106 1 700 SH   SOLE   700 0 0
Honda Motor Co. Stock 438128308 17 650 SH   SOLE   650 0 0
Honeywell International Inc. Stock 438516106 21 126 SH   SOLE   126 0 0
Hill-Rom Holdings Inc Stock 431475102 13 126 SH   SOLE   126 0 0
iShares iBoxx High Yield Corp Bond Fund (ETF) ETF 464288513 3,682 42,239 SH   SOLE   42,239 0 0
PIMCO 0-5 Year High Yield Corporate Bond Index (ETF) ETF 72201R783 1 7 SH   SOLE   7 0 0
International Business Machines Corp. Stock 459200101 7 50 SH   SOLE   50 0 0
iShares Barclays 7-10 Yr Treasury Bond Fund (ETF) ETF 464287440 32,796 291,602 SH   SOLE   291,602 0 0
iShares Core MSCI EAFE (ETF) ETF 46432F842 3 45 SH   SOLE   45 0 0
iShares Core MSCI Emerging Markets (ETF) ETF 46434G103 5,514 112,486 SH   SOLE   112,486 0 0
iShares Core MSCI Europe (ETF) ETF 46434V738 14,425 315,371 SH   SOLE   315,371 0 0
iShares Intermediate-Term Corporate Bond (ETF) ETF 464288638 1 25 SH   SOLE   25 0 0
iShares Long-Term Corporate Bond (ETF) ETF 464289511 2 31 SH   SOLE   31 0 0
iShares Short-Term Corporate Bond (ETF) ETF 464288646 2 44 SH   SOLE   44 0 0
iShares S&P MidCap 400 Index (ETF) ETF 464287507 20 104 SH   SOLE   104 0 0
iShares S&P MidCap 400 Value Index (ETF) ETF 464287705 13 83 SH   SOLE   83 0 0
iShares S&P Mid-Cap 400 Growth (ETF) ETF 464287606 14 64 SH   SOLE   64 0 0
iShares S&P Small-Cap 600 Index (ETF) ETF 464287804 207 2,654 SH   SOLE   2,654 0 0
Intel Corporation Stock 458140100 2 33 SH   SOLE   33 0 0
Intuit Inc. Stock 461202103 2 6 SH   SOLE   6 0 0
iShares Core S&P Total US Stock Market (ETF) ETF 464287150 22,441 334,587 SH   SOLE   334,587 0 0
Itt Inc Stock 45073V108 2 34 SH   SOLE   34 0 0
iShares Core S&P U.S. Value (ETF) ETF 464287663 79 1,359 SH   SOLE   1,359 0 0
iShares S&P 500/Barra Value (ETF) ETF 464287408 134 1,126 SH   SOLE   1,126 0 0
iShares S&P 500 Index Fund (ETF) ETF 464287200 44,703 149,750 SH   SOLE   149,750 0 0
iShares S&P 500 Growth Index (ETF) ETF 464287309 218 1,213 SH   SOLE   1,213 0 0
iShares Russell 1000 Index Fund (ETF) ETF 464287622 102 618 SH   SOLE   618 0 0
iShares Russell 1000 Value Index Fund (ETF) ETF 464287598 32 250 SH   SOLE   250 0 0
iShares Russell 1000 Growth Index Fund (ETF) ETF 464287614 2 15 SH   SOLE   15 0 0
iShares Russell 2000 Index Fund (ETF) ETF 464287655 12,000 79,295 SH   SOLE   79,295 0 0
iShares Russell 2000 Value Index Fund (ETF) ETF 464287630 19 162 SH   SOLE   162 0 0
iShares Russell 2000 Growth Index (ETF) ETF 464287648 122 634 SH   SOLE   634 0 0
iShares Russell Mid-Cap (ETF) ETF 464287499 958 17,128 SH   SOLE   17,128 0 0
iShares Russell Midcap (ETF) ETF 464287473 37 416 SH   SOLE   416 0 0
iShares US Financials (ETF) ETF 464287788 32 251 SH   SOLE   251 0 0
Johnson & Johnson Stock 478160104 88 679 SH   SOLE   679 0 0
JP Morgan & Co. Stock 46625H100 181 1,539 SH   SOLE   1,539 0 0
The Kraft Heinz Co Stock 500754106 4 160 SH   SOLE   160 0 0
Kroger Company Stock 501044101 1 46 SH   SOLE   46 0 0
Lazard Ltd Stock G54050102 1 28 SH   SOLE   28 0 0
Lab Co Of Amer Hldg Stock 50540R409 1 7 SH   SOLE   7 0 0
Eli Lilly & Company Stock 532457108 25 225 SH   SOLE   225 0 0
Lockheed Martin Corporation Stock 539830109 156 401 SH   SOLE   401 0 0
Live Nation Entmt Stock 538034109 1 22 SH   SOLE   22 0 0
Mastercard Incorporated Stock 57636Q104 27 99 SH   SOLE   99 0 0
iShares MBS ETF 464288588 8 74 SH   SOLE   74 0 0
McDonald's Corporation Stock 580135101 16 73 SH   SOLE   73 0 0
Mondelez Intl Inc Com Stock 609207105 23 415 SH   SOLE   415 0 0
Medtronic, Inc. Stock G5960L103 4 36 SH   SOLE   36 0 0
SPDR S&P MidCap 400 (ETF) ETF 78467Y107 56 158 SH   SOLE   158 0 0
Metlife Inc. Stock 59156R108 7 155 SH   SOLE   155 0 0
Vanguard Mega Cap Growth Index Fund (ETF) ETF 921910816 3,091 23,297 SH   SOLE   23,297 0 0
Marsh & McLennan Co., Inc. Stock 571748102 228 2,279 SH   SOLE   2,279 0 0
Altria Group Inc. Stock 02209S103 26 631 SH   SOLE   631 0 0
Marathon Pete Corp Stock 56585A102 7 119 SH   SOLE   119 0 0
Merck & Co., Inc. Stock 58933Y105 2 21 SH   SOLE   21 0 0
Marvell Technology Group Ltd Stock G5876H105 2 73 SH   SOLE   73 0 0
Microsoft Corporation Stock 594918104 125 896 SH   SOLE   896 0 0
M & T BK Corp Stock 55261F104 2 10 SH   SOLE   10 0 0
Micron Technology Inc Stock 595112103 36 843 SH   SOLE   843 0 0
iShares S&P National Muni Bond (ETF) ETF 464288414 2 21 SH   SOLE   21 0 0
Nextera Energy Inc Stock 65339F101 4 17 SH   SOLE   17 0 0
Nike Stock 654106103 19 200 SH   SOLE   200 0 0
Northrop Grumman Corp Stock 666807102 4 10 SH   SOLE   10 0 0
Nestle SA Stock H57312649 313 2,884 SH   SOLE   2,884 0 0
Northern Trust Corp. Stock 665859104 13 138 SH   SOLE   138 0 0
Nuveen ESG US Aggregate Bond (ETF) ETF 67092P870 903 35,124 SH   SOLE   35,124 0 0
NuShares ESG Small-Cap (ETF) ETF 67092P607 100 3,417 SH   SOLE   3,417 0 0
Novartis AG Stock 66987V109 35 400 SH   SOLE   400 0 0
iShares S&P 100 Index Fund (ETF) ETF 464287101 202 1,536 SH   SOLE   1,536 0 0
OGE Energy Corp Stock 670837103 6 130 SH   SOLE   130 0 0
PG & E Corporation Stock 69331C108 12 1,162 SH   SOLE   1,162 0 0
PIMCO Dynamic Credit and Mortgage Income Fund ETF 72202D106 791 32,332 SH   SOLE   32,332 0 0
Pimco Dynamic Income ETF 72201Y101 65 2,000 SH   SOLE   2,000 0 0
Pepsico Inc. Stock 713448108 122 892 SH   SOLE   892 0 0
Pfizer Inc. Stock 717081103 100 2,770 SH   SOLE   2,770 0 0
Procter & Gamble Co. Stock 742718109 3 23 SH   SOLE   23 0 0
Polaris Industries Inc. Stock 731068102 24 269 SH   SOLE   269 0 0
Philip Morris Intl Inc Stock 718172109 56 732 SH   SOLE   732 0 0
PowerShares FTSE RAFI US 1500 Small-Mid (ETF) ETF 46137V597 68 539 SH   SOLE   539 0 0
Pvh Corp Stock 693656100 1 10 SH   SOLE   10 0 0
Royal Caribbean Cruises Ltd. Stock V7780T103 2 19 SH   SOLE   19 0 0
Royal Dutch Shell Stock G7690A100 35 600 SH   SOLE   600 0 0
Ross Stores Inc. Stock 778296103 19 169 SH   SOLE   169 0 0
Guggenheim S&P 500 Equal ETF 46137V357 22 204 SH   SOLE   204 0 0
Raytheon Co. Stock 755111507 100 509 SH   SOLE   509 0 0
Guggenheim S&P 500 Equal Weight Health Care (ETF) ETF 46137V332 38 193 SH   SOLE   193 0 0
Seabridge Gold Inc. Stock 811916105 4 300 SH   SOLE   300 0 0
Schwab US Broad Market (ETF) ETF 808524102 9 125 SH   SOLE   125 0 0
Schwab U.S. Large-Cap Growth (ETF) ETF 808524300 8 91 SH   SOLE   91 0 0
Schwab U.S. TIPS (ETF) ETF 808524870 4,115 72,493 SH   SOLE   72,493 0 0
Sherwin-Williams Stock 824348106 16 29 SH   SOLE   29 0 0
Powershares S&P 500 Low Volatility Portfolio (ETF) ETF 46138E354 16 278 SH   SOLE   278 0 0
SPDR Portfolio Short Term Corporate Bond (ETF) ETF 78464A474 2,009 65,137 SH   SOLE   65,137 0 0
SPDR S&P 500 (ETF) ETF 78462F103 1,740 5,862 SH   SOLE   5,862 0 0
Sempra Energy Stock 816851109 2 12 SH   SOLE   12 0 0
Suntrust Banks Inc. Stock 867914103 2 31 SH   SOLE   31 0 0
iShares Short-Term National Muni Bond (ETF) ETF 464288158 45 419 SH   SOLE   419 0 0
iShares MSCI USA ESG Select (ETF) ETF 464288802 548 4,436 SH   SOLE   4,436 0 0
SPDR MFS Systematic Core Equity (ETF) ETF 78467V806 5 55 SH   SOLE   55 0 0
AT&T Inc. Stock 00206R102 14 357 SH   SOLE   357 0 0
iShares Barclays 20 Year Treasury Bond Fund (ETF) ETF 464287432 1 9 SH   SOLE   9 0 0
SPDR DoubleLine Total Return Tact (ETF) ETF 78467V848 6,068 123,250 SH   SOLE   123,250 0 0
TCW Strategic Income Fund, Inc. ETF 872340104 92 16,200 SH   SOLE   16,200 0 0
Tesla Motors Inc Stock 88160R101 31 130 SH   SOLE   130 0 0
Texas Instruments Inc. Stock 882508104 8 60 SH   SOLE   60 0 0
Textron Inc. Stock 883203101 20 400 SH   SOLE   400 0 0
Union Pacific Corp. Stock 907818108 24 147 SH   SOLE   147 0 0
iShares MSCI World (ETF) ETF 464286392 227 2,478 SH   SOLE   2,478 0 0
Americas Silver Corp Stock 03062D100 1 396 SH   SOLE   396 0 0
Invesco Russell 1000 Low Beta Eq Wt (ETF) ETF 46138E412 53 1,566 SH   SOLE   1,566 0 0
United Technologies Corp. Stock 913017109 25 181 SH   SOLE   181 0 0
Visa, Inc. Stock 92826C839 2 13 SH   SOLE   13 0 0
Vanguard Small Cap (ETF) ETF 922908751 24 156 SH   SOLE   156 0 0
Vanguard Small-Cap Value Index Fund (ETF) ETF 922908611 12 97 SH   SOLE   97 0 0
Vanguard FTSE Developed Markets (ETF) ETF 921943858 49,499 1,204,946 SH   SOLE   1,204,946 0 0
Vanguard FTSE All-World Ex-US (ETF) ETF 922042775 3,327 66,667 SH   SOLE   66,667 0 0
Vanguard FTSE Europe (ETF) ETF 922042874 40,724 759,631 SH   SOLE   759,631 0 0
Vanguard Dividend Appreciation (ETF) ETF 921908844 5,332 44,586 SH   SOLE   44,586 0 0
Vanguard REIT (ETF) ETF 922908553 2,261 24,250 SH   SOLE   24,250 0 0
Vanguard Mid Cap (ETF) ETF 922908629 1 6 SH   SOLE   6 0 0
Vodafone Airtouch ADR Stock 92857W308 5 238 SH   SOLE   238 0 0
Vanguard S&P 500 (ETF) ETF 922908363 3,274 12,010 SH   SOLE   12,010 0 0
Vanguard FTSE Pacific Index Fund (ETF) ETF 922042866 146 2,217 SH   SOLE   2,217 0 0
Vertex Pharmaceuticals Stock 92532F100 1 7 SH   SOLE   7 0 0
Vanguard Total Stock Market (ETF) ETF 922908769 26,749 177,149 SH   SOLE   177,149 0 0
Vanguard Value (ETF) ETF 922908744 296 2,648 SH   SOLE   2,648 0 0
Vanguard Russell 2000 Value Index Fund (ETF) ETF 92206C649 104 990 SH   SOLE   990 0 0
Vanguard FTSE Emerging Markets (ETF) ETF 922042858 63,367 1,573,935 SH   SOLE   1,573,935 0 0
Vanguard Emerging Markt Stock 921946885 41 504 SH   SOLE   504 0 0
Vanguard Extended Market (ETF) ETF 922908652 128 1,103 SH   SOLE   1,103 0 0
Verizon Communication Stock 92343V104 12 204 SH   SOLE   204 0 0
Wabtec Stock 929740108 2 25 SH   SOLE   25 0 0
Wells Fargo & Company Stock 949746101 44 867 SH   SOLE   867 0 0
Walmart Stores Inc. Stock 931142103 22 182 SH   SOLE   182 0 0
Wheaton Precious Metals Corp Stock 962879102 3 105 SH   SOLE   105 0 0
Xcel Energy Inc. Stock 98389B100 3 47 SH   SOLE   47 0 0
Xcelera Inc (NV) Stock G31611109 0 150 SH   SOLE   150 0 0
Industrial Select Sector SPDR (ETF) ETF 81369Y704 59 766 SH   SOLE   766 0 0
Exxon Mobil Corporation Stock 30231G102 37 522 SH   SOLE   522 0 0
Zimmer Biomet Holdings Inc Stock 98956P102 2 16 SH   SOLE   16 0 0