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
3M Company COM 88579Y101 792 4,000 SH   SOLE   4,000 0 0
Abbott Laboratories COM 002824100 372 3,076 SH   SOLE   3,076 0 0
AbbVie Inc. COM 00287Y109 614 5,278 SH   SOLE   5,278 0 0
Accenture PLC Class A COM G1151C101 220 692 SH   SOLE   692 0 0
Alibaba Group Holding Ltd A ADR 01609W102 342 1,750 SH   SOLE   1,750 0 0
Allstate Corporation COM 020002101 1,804 13,870 SH   SOLE   13,870 0 0
Alphabet Inc A COM 02079K305 4,548 1,688 SH   SOLE   1,688 0 0
Alphabet Inc C COM 02079K107 828 306 SH   SOLE   306 0 0
Amazon.com Inc. COM 023135106 2,779 835 SH   SOLE   835 0 0
American Tower Corporation COM 03027X100 218 771 SH   SOLE   771 0 0
American Water Works Co Inc COM 030420103 258 1,515 SH   SOLE   1,515 0 0
Ameriprise Financial Inc . COM 03076C106 1,081 4,197 SH   SOLE   4,197 0 0
Analog Devices Inc. COM 032654105 229 1,366 SH   SOLE   1,366 0 0
Apple Inc. COM 037833100 17,384 119,182 SH   SOLE   119,182 0 0
Aptiv PLC COM G6095L109 1,207 7,237 SH   SOLE   7,237 0 0
AstraZeneca PLC COM 046353108 283 4,948 SH   SOLE   4,948 0 0
AT&T Inc. COM 00206R102 287 10,240 SH   SOLE   10,240 0 0
Auto Data Processing COM 053015103 262 1,250 SH   SOLE   1,250 0 0
Bank of America Corp. COM 060505104 2,394 62,414 SH   SOLE   62,414 0 0
Bank of New York Mellon Cor COM 064058100 215 4,180 SH   SOLE   4,180 0 0
Berkshire Hathaway Inc. Cla COM 084670702 350 1,259 SH   SOLE   1,259 0 0
Boston Scientific Corp. COM 101137107 210 4,596 SH   SOLE   4,596 0 0
BP Plc. (ADR) ADR 055622104 291 12,044 SH   SOLE   12,044 0 0
Bristol-Myers Squibb Co. COM 110122108 817 12,043 SH   SOLE   12,043 0 0
Capital One Financial Corp COM 14040H105 1,817 11,240 SH   SOLE   11,240 0 0
CarGurus Inc. Class A COM 141788109 229 8,000 SH   SOLE   8,000 0 0
Carrier Global Corp Ordinar COM 14448C104 236 4,280 SH   SOLE   4,280 0 0
CF Industries Holdings Inc COM 125269100 757 16,027 SH   SOLE   16,027 0 0
Chevron Corp. COM 166764100 6,281 61,689 SH   SOLE   61,689 0 0
Chubb Ltd. COM H1467J104 383 2,272 SH   SOLE   2,272 0 0
Cisco Systems Inc. COM 17275R102 1,887 34,077 SH   SOLE   34,077 0 0
Clorox Co. COM 189054109 213 1,175 SH   SOLE   1,175 0 0
Coca-Cola Company COM 191216100 1,245 21,832 SH   SOLE   21,832 0 0
Communication Services Sel ETF 81369Y852 234 2,842 SH   SOLE   2,842 0 0
Constellation Brands Inc. COM 21036P108 3,915 17,452 SH   SOLE   17,452 0 0
Costco Wholesale Corp. COM 22160K105 751 1,747 SH   SOLE   1,747 0 0
Cummins Inc. COM 231021106 761 3,278 SH   SOLE   3,278 0 0
CVS Caremark Corp. COM 126650100 1,165 14,140 SH   SOLE   14,140 0 0
Danaher Corp. COM 235851102 1,563 5,255 SH   SOLE   5,255 0 0
Darden Restaurants Inc. COM 237194105 1,641 11,250 SH   SOLE   11,250 0 0
DTE Energy Company COM 233331107 673 5,736 SH   SOLE   5,736 0 0
Eaton Vance California Muni COM 27828A100 135 11,201 SH   SOLE   11,201 0 0
eBay Inc COM 278642103 274 4,015 SH   SOLE   4,015 0 0
Ecolab Inc. COM 278865100 633 2,866 SH   SOLE   2,866 0 0
Eli Lilly & Co. COM 532457108 1,245 5,111 SH   SOLE   5,111 0 0
Emerson Electric Co. COM 291011104 376 3,730 SH   SOLE   3,730 0 0
Exxon Mobil Corporation COM 30231G102 37,803 656,641 SH   SOLE   656,641 0 0
Facebook Inc. COM 30303M102 2,164 6,073 SH   SOLE   6,073 0 0
Financial Select Sector SPD ETF 81369Y605 1,983 54,309 SH   SOLE   54,309 0 0
Fiserv Inc. COM 337738108 2,859 24,833 SH   SOLE   24,833 0 0
Gilead Sciences Inc. COM 375558103 696 10,187 SH   SOLE   10,187 0 0
Global X US Infrastructure ETF 37954Y673 1,765 66,650 SH   SOLE   66,650 0 0
HP Inc COM 40434l105 1,177 40,769 SH   SOLE   40,769 0 0
Illinois Tool Works Inc. COM 452308109 256 1,131 SH   SOLE   1,131 0 0
Intel Corp. COM 458140100 1,907 35,496 SH   SOLE   35,496 0 0
International Business Mach COM 459200101 549 3,894 SH   SOLE   3,894 0 0
Invesco QQQ Trust ETF 46090E103 3,011 8,260 SH   SOLE   8,260 0 0
Invesco S&P 500 Equal Weig ETF 46137v357 4,150 27,180 SH   SOLE   27,180 0 0
Invesco Senior Loan ETF ETF 46138G508 1,109 50,349 SH   SOLE   50,349 0 0
Invesco Variable Rate Prefe ETF 46138G870 2,291 86,808 SH   SOLE   86,808 0 0
iShares Barclays 1-3 Yr. Tr ETF 464287457 716 8,294 SH   SOLE   8,294 0 0
iShares Barclays Aggregate ETF 464287226 7,748 66,533 SH   SOLE   66,533 0 0
iShares Barclays TIPS Bond ETF 464287176 1,498 11,469 SH   SOLE   11,469 0 0
iShares Cohen & Steers REIT ETF 464287564 1,284 18,738 SH   SOLE   18,738 0 0
iShares DJ Select Dividend ETF 464287168 608 5,257 SH   SOLE   5,257 0 0
iShares Dow Jones US Techno ETF 464287721 202 1,960 SH   SOLE   1,960 0 0
iShares Edge MSCI USA Quali ETF 46432F339 1,474 10,731 SH   SOLE   10,731 0 0
iShares Floating Rate Bond ETF 46429B655 2,037 40,093 SH   SOLE   40,093 0 0
iShares Intermediate-Term C ETF 464288638 636 10,401 SH   SOLE   10,401 0 0
iShares MSCI EAFE Index Fun ETF 464287465 586 7,374 SH   SOLE   7,374 0 0
iShares MSCI EAFE Minimum V ETF 46429B689 1,407 18,203 SH   SOLE   18,203 0 0
iShares MSCI Emerging Marke ETF 464287234 3,168 61,388 SH   SOLE   61,388 0 0
iShares MSCI USA Min Vol Fa ETF 46429B697 1,122 14,723 SH   SOLE   14,723 0 0
iShares MSCI USA Momentum F ETF 46432F396 1,469 8,393 SH   SOLE   8,393 0 0
iShares National Muni Bond ETF 464288414 578 4,913 SH   SOLE   4,913 0 0
iShares Russell 1000 ETF ETF 464287622 1,724 6,974 SH   SOLE   6,974 0 0
iShares Russell 1000 Growth ETF 464287614 2,554 9,100 SH   SOLE   9,100 0 0
iShares Russell 2000 Index ETF 464287655 6,171 27,917 SH   SOLE   27,917 0 0
iShares S&P 500 Index Fund ETF 464287200 9,656 21,926 SH   SOLE   21,926 0 0
iShares S&P SmallCap 600 In ETF 464287804 486 4,407 SH   SOLE   4,407 0 0
iShares S&P US Pref. Stock ETF 464288687 930 23,595 SH   SOLE   23,595 0 0
iShares US Home Constructio ETF 464288752 1,589 22,211 SH   SOLE   22,211 0 0
Johnson & Johnson COM 478160104 927 5,384 SH   SOLE   5,384 0 0
JP Morgan Chase & Co. COM 46625H100 3,557 23,438 SH   SOLE   23,438 0 0
KLA Corp COM 482480100 875 2,512 SH   SOLE   2,512 0 0
L3Harris Technologies Inc COM 502431109 485 2,138 SH   SOLE   2,138 0 0
LKQ Corp COM 501889208 1,085 21,383 SH   SOLE   21,383 0 0
Lowe's Companies Inc. COM 548661107 2,042 10,597 SH   SOLE   10,597 0 0
Mastercard Inc COM 57636Q104 3,529 9,143 SH   SOLE   9,143 0 0
McDonald's Corp. COM 580135101 2,147 8,845 SH   SOLE   8,845 0 0
McKesson Corp. COM 58155Q103 1,547 7,589 SH   SOLE   7,589 0 0
Merck & Co. Inc. COM 58933Y105 633 8,235 SH   SOLE   8,235 0 0
Microchip Technology Inc. COM 595017104 936 6,541 SH   SOLE   6,541 0 0
Microsoft Corp COM 594918104 3,521 12,357 SH   SOLE   12,357 0 0
Novartis AG (ADR) ADR 66987V109 287 3,111 SH   SOLE   3,111 0 0
Nvidia Corp. COM 67066G104 13,518 69,327 SH   SOLE   69,327 0 0
Oracle Corporation COM 68389X105 249 2,857 SH   SOLE   2,857 0 0
PayPal Holdings Inc. COM 70450Y103 2,152 7,810 SH   SOLE   7,810 0 0
Pepsico Incorporated COM 713448108 247 1,575 SH   SOLE   1,575 0 0
Pfizer Inc. COM 717081103 2,245 52,453 SH   SOLE   52,453 0 0
Procter & Gamble COM 742718109 1,691 11,888 SH   SOLE   11,888 0 0
Public Service Enterprise G COM 744573106 1,266 20,343 SH   SOLE   20,343 0 0
Quanta Services Inc. COM 74762E102 1,977 21,750 SH   SOLE   21,750 0 0
Raytheon Technologies Corp COM 75513E101 441 5,071 SH   SOLE   5,071 0 0
Roper Industries Inc. COM 776696106 2,407 4,898 SH   SOLE   4,898 0 0
Salesforce.com Inc. COM 79466L302 297 1,229 SH   SOLE   1,229 0 0
Sherwin-Williams Co. COM 824348106 275 945 SH   SOLE   945 0 0
Snowflake Inc Ordinary Shar COM 833445109 449 1,689 SH   SOLE   1,689 0 0
SPDR BarCap ST High Yield B ETF 78468R408 2,490 90,721 SH   SOLE   90,721 0 0
SPDR Blackstone / GSO Seni ETF 78467V608 724 15,805 SH   SOLE   15,805 0 0
SPDR Gold Shares ETF 78463V107 3,190 18,784 SH   SOLE   18,784 0 0
SPDR Nuveen Blmbg Barclays ETF 78468R721 621 11,858 SH   SOLE   11,858 0 0
SPDR Nuveen Blmbg Barclays ETF 78468R739 2,522 50,795 SH   SOLE   50,795 0 0
SPDR S&P 500 ETF ETF 78462F103 5,429 12,381 SH   SOLE   12,381 0 0
SPDR S&P MidCap 400 ETF ETF 78467Y107 8,031 16,309 SH   SOLE   16,309 0 0
Stanley Black & Decker Inc. COM 854502101 1,348 6,843 SH   SOLE   6,843 0 0
Stryker Corp. COM 863667101 863 3,186 SH   SOLE   3,186 0 0
SVB Financial Group COM 78486Q101 304 552 SH   SOLE   552 0 0
Synopsys Inc. COM 871607107 744 2,582 SH   SOLE   2,582 0 0
Sysco Corporation COM 871829107 329 4,439 SH   SOLE   4,439 0 0
Target Corporation COM 87612E106 3,642 13,952 SH   SOLE   13,952 0 0
Technology Select Sector SP COM 81369Y803 1,902 12,399 SH   SOLE   12,399 0 0
Tesla Motors Inc. COM 88160R101 471 685 SH   SOLE   685 0 0
Thermo Fisher Scientific In COM 883556102 4,332 8,021 SH   SOLE   8,021 0 0
TJX Companies Inc. COM 872540109 265 3,850 SH   SOLE   3,850 0 0
Trane Technologies PLC COM G8994E103 763 3,748 SH   SOLE   3,748 0 0
Travelers Companies Inc. COM 89417E109 1,417 9,512 SH   SOLE   9,512 0 0
Tyson Foods, Inc. Class A COM 902494103 1,046 14,634 SH   SOLE   14,634 0 0
Union Pacific Corp. COM 907818108 1,065 4,867 SH   SOLE   4,867 0 0
UnitedHealth Group Inc. COM 91324P102 206 500 SH   SOLE   500 0 0
Valero Energy Corp. COM 91913Y100 752 11,223 SH   SOLE   11,223 0 0
VanEck Vectors High Yield M ETF 92189H409 1,828 28,615 SH   SOLE   28,615 0 0
Vanguard Dividend Appreciat ETF 921908844 213 1,334 SH   SOLE   1,334 0 0
Vanguard High Dividend Yiel ETF 921946406 302 2,862 SH   SOLE   2,862 0 0
Vanguard Int-Term Corporate ETF 92206C870 1,232 12,822 SH   SOLE   12,822 0 0
Vanguard Short-Term Corp. B ETF 92206C409 4,178 50,414 SH   SOLE   50,414 0 0
Vanguard Small Cap ETF ETF 922908751 5,837 26,299 SH   SOLE   26,299 0 0
Vanguard Value ETF COM 922908744 327 2,358 SH   SOLE   2,358 0 0
Verizon Communications COM 92343V104 1,890 33,890 SH   SOLE   33,890 0 0
Visa Inc. COM 92826C839 330 1,340 SH   SOLE   1,340 0 0
Wal-Mart Stores Inc. COM 931142103 1,731 12,142 SH   SOLE   12,142 0 0
Walt Disney Co. COM 254687106 2,755 15,654 SH   SOLE   15,654 0 0
Wyndham Hotels & Resorts In COM 98311A105 223 3,100 SH   SOLE   3,100 0 0
Zoetis Inc. COM 98978V103 451 2,226 SH   SOLE   2,226 0 0