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
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 22,328 342,041 SH   SOLE   342,041 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 21,291 258,070 SH   SOLE   258,070 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 20,495 384,011 SH   SOLE   373,411 0 10,600
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 18,106 139,513 SH   SOLE   139,513 0 0
ISHARES TR CORE TOTAL USD 46434V613 11,999 227,463 SH   SOLE   221,963 0 5,500
VANGUARD INDEX FDS GROWTH ETF 922908736 9,781 38,051 SH   SOLE   38,051 0 0
ISHARES TR US TREAS BD ETF 46429B267 9,177 350,412 SH   SOLE   350,412 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,250 219,297 SH   SOLE   219,297 0 0
ISHARES TR EAFE VALUE ETF 464288877 7,648 150,046 SH   SOLE   150,046 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 7,445 83,904 SH   SOLE   83,904 0 0
ISHARES TR CORE S&P SCP ETF 464287804 7,151 65,894 SH   SOLE   65,894 0 0
ISHARES TR IBOXX INV CP ETF 464287242 6,423 49,390 SH   SOLE   49,390 0 0
CHEVRON CORP NEW COM 166764100 5,506 52,546 SH   SOLE   52,546 0 0
ISHARES TR EAFE GRWTH ETF 464288885 5,325 53,005 SH   SOLE   53,005 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 5,314 58,474 SH   SOLE   58,474 0 0
MICROSOFT CORP COM 594918104 4,995 21,184 SH   SOLE   20,184 0 1,000
ISHARES TR CORE US AGGBD ET 464287226 4,723 41,488 SH   SOLE   31,988 0 9,500
HONEYWELL INTL INC COM 438516106 4,424 20,380 SH   SOLE   19,180 0 1,200
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 4,271 15,460 SH   SOLE   14,710 0 750
SCHWAB CHARLES CORP COM 808513105 4,226 64,832 SH   SOLE   64,832 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,035 41,725 SH   SOLE   41,725 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,741 76,256 SH   SOLE   76,256 0 0
EXXON MOBIL CORP COM 30231G102 3,510 62,874 SH   SOLE   62,874 0 0
ISHARES TR FALN ANGLS USD 46435G474 3,487 119,261 SH   SOLE   119,261 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,464 42,150 SH   SOLE   42,150 0 0
MEDTRONIC PLC SHS G5960L103 3,371 28,536 SH   SOLE   26,836 0 1,700
GOLDMAN SACHS GROUP INC COM 38141G104 3,340 10,215 SH   SOLE   10,215 0 0
GOLD TR ISHARES 464285105 3,315 203,891 SH   SOLE   203,891 0 0
INTEL CORP COM 458140100 3,270 51,098 SH   SOLE   51,098 0 0
EMERSON ELEC CO COM 291011104 3,182 35,273 SH   SOLE   32,573 0 2,700
ABBVIE INC COM 00287Y109 3,134 28,960 SH   SOLE   28,960 0 0
GENERAL DYNAMICS CORP COM 369550108 3,104 17,095 SH   SOLE   17,095 0 0
WALMART INC COM 931142103 2,958 21,780 SH   SOLE   20,280 0 1,500
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,931 11,471 SH   SOLE   11,471 0 0
CISCO SYS INC COM 17275R102 2,907 56,214 SH   SOLE   56,214 0 0
SEMPRA ENERGY COM 816851109 2,864 21,605 SH   SOLE   21,605 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 2,863 55,827 SH   SOLE   55,827 0 0
ORACLE CORP COM 68389X105 2,816 40,130 SH   SOLE   40,130 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 2,786 55,514 SH   SOLE   49,314 0 6,200
VERIZON COMMUNICATIONS INC COM 92343V104 2,626 45,163 SH   SOLE   45,163 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 2,577 26,700 SH   SOLE   26,700 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,530 51,521 SH   SOLE   51,521 0 0
APPLE INC COM 037833100 2,502 20,485 SH   SOLE   18,885 0 1,600
MCDONALDS CORP COM 580135101 2,439 10,880 SH   SOLE   10,880 0 0
KINDER MORGAN INC DEL COM 49456B101 2,284 137,154 SH   SOLE   137,154 0 0
ABBOTT LABS COM 002824100 2,218 18,512 SH   SOLE   18,512 0 0
ISHARES TR U.S. MED DVC ETF 464288810 2,172 6,575 SH   SOLE   6,575 0 0
PUBLIC STORAGE COM 74460D109 2,048 8,300 SH   SOLE   8,300 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2,023 57,200 SH   SOLE   57,200 0 0
WELLS FARGO CO NEW COM 949746101 1,798 46,013 SH   SOLE   46,013 0 0
CYRUSONE INC COM 23283R100 1,774 26,195 SH   SOLE   26,195 0 0
VISA INC COM CL A 92826C839 1,530 7,225 SH   SOLE   6,325 0 900
AGILENT TECHNOLOGIES INC COM 00846U101 1,492 11,735 SH   SOLE   9,435 0 2,300
LOCKHEED MARTIN CORP COM 539830109 1,419 3,840 SH   SOLE   3,840 0 0
NUCOR CORP COM 670346105 1,412 17,595 SH   SOLE   17,595 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 1,397 9,003 SH   SOLE   7,303 0 1,700
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 1,346 7,265 SH   SOLE   7,265 0 0
CORESITE RLTY CORP COM 21870Q105 1,341 11,185 SH   SOLE   11,185 0 0
AMETEK INC COM 031100100 1,288 10,080 SH   SOLE   8,180 0 1,900
QUALCOMM INC COM 747525103 1,288 9,715 SH   SOLE   9,715 0 0
INTUIT COM 461202103 1,285 3,355 SH   SOLE   2,755 0 600
DANAHER CORPORATION COM 235851102 1,265 5,620 SH   SOLE   4,620 0 1,000
COSTCO WHSL CORP NEW COM 22160K105 1,251 3,548 SH   SOLE   2,998 0 550
COGNEX CORP COM 192422103 1,247 15,020 SH   SOLE   12,220 0 2,800
TESLA INC COM 88160R101 1,239 1,855 SH   SOLE   1,855 0 0
FRANCO NEV CORP COM 351858105 1,215 9,700 SH   SOLE   8,200 0 1,500
KANSAS CITY SOUTHERN COM NEW 485170302 1,201 4,551 SH   SOLE   3,676 0 875
ISHARES TR CORE HIGH DV ETF 46429B663 1,176 12,397 SH   SOLE   12,397 0 0
MASTERCARD INCORPORATED CL A 57636Q104 1,169 3,284 SH   SOLE   2,684 0 600
STRYKER CORPORATION COM 863667101 1,150 4,720 SH   SOLE   3,870 0 850
IDEX CORP COM 45167R104 1,119 5,345 SH   SOLE   4,345 0 1,000
TRACTOR SUPPLY CO COM 892356106 1,062 6,000 SH   SOLE   4,900 0 1,100
WALGREENS BOOTS ALLIANCE INC COM 931427108 1,060 19,308 SH   SOLE   15,618 0 3,690
FORTIVE CORP COM 34959J108 1,031 14,600 SH   SOLE   11,900 0 2,700
GLOBAL X FDS GLOBAL X SILVER 37954Y848 1,031 25,840 SH   SOLE   21,160 0 4,680
NORDSON CORP COM 655663102 1,027 5,170 SH   SOLE   4,220 0 950
SPDR S&P 500 ETF TR TR UNIT 78462F103 909 2,293 SH   SOLE   2,293 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 894 4,324 SH   SOLE   4,324 0 0
DISNEY WALT CO COM 254687106 722 3,912 SH   SOLE   3,912 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 654 12,267 SH   SOLE   12,267 0 0
DEERE & CO COM 244199105 636 1,700 SH   SOLE   1,700 0 0
NIKE INC CL B 654106103 620 4,662 SH   SOLE   4,662 0 0
ALPHABET INC CAP STK CL C 02079K107 598 289 SH   SOLE   289 0 0
ISHARES TR RUS 1000 ETF 464287622 550 2,457 SH   SOLE   2,457 0 0
AMAZON COM INC COM 023135106 520 168 SH   SOLE   168 0 0
BP PLC SPONSORED ADR 055622104 508 20,866 SH   SOLE   20,866 0 0
ALPHABET INC CAP STK CL A 02079K305 497 241 SH   SOLE   241 0 0
PEPSICO INC COM 713448108 481 3,401 SH   SOLE   3,401 0 0
WISDOMTREE TR EMER MKT HIGH FD 97717W315 421 9,500 SH   SOLE   9,500 0 0
MORNINGSTAR INC COM 617700109 405 1,800 SH   SOLE   1,800 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 402 845 SH   SOLE   845 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 399 7,734 SH   SOLE   7,734 0 0
ADVISORSHARES TR PURE CANNABIS 00768Y495 386 16,329 SH   SOLE   16,329 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 385 4,460 SH   SOLE   4,460 0 0
UNITEDHEALTH GROUP INC COM 91324P102 381 1,024 SH   SOLE   1,024 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 375 7,310 SH   SOLE   7,310 0 0
ALTRIA GROUP INC COM 02209S103 369 7,214 SH   SOLE   7,214 0 0
ISHARES TR CALIF MUN BD ETF 464288356 351 5,650 SH   SOLE   5,650 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 346 1,085 SH   SOLE   1,085 0 0
TEXAS INSTRS INC COM 882508104 321 1,700 SH   SOLE   1,700 0 0
CADENCE DESIGN SYSTEM INC COM 127387108 316 2,310 SH   SOLE   2,310 0 0
MARRIOTT INTL INC NEW CL A 571903202 299 2,020 SH   SOLE   2,020 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 298 3,565 SH   SOLE   3,565 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 285 3,692 SH   SOLE   3,692 0 0
MP MATERIALS CORP COM CL A 553368101 284 7,900 SH   SOLE   7,900 0 0
M & T BK CORP COM 55261F104 280 1,845 SH   SOLE   1,845 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 278 8,394 SH   SOLE   8,394 0 0
EDISON INTL COM 281020107 267 4,559 SH   SOLE   4,559 0 0
PFIZER INC COM 717081103 248 6,855 SH   SOLE   6,855 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 248 7,645 SH   SOLE   7,645 0 0
ISHARES TR CORE S&P500 ETF 464287200 233 585 SH   SOLE   585 0 0
MERCK & CO. INC COM 58933Y105 225 2,923 SH   SOLE   2,923 0 0
BK OF AMERICA CORP COM 060505104 212 5,483 SH   SOLE   5,483 0 0
VOLITIONRX LTD COM 928661107 210 55,596 SH   SOLE   55,596 0 0
BLACKROCK ENHANCED GOVT FD I COM 09255K108 176 13,780 SH   SOLE   13,780 0 0
CBRE CLARION GLOBAL REAL EST COM 12504G100 87 11,150 SH   SOLE   11,150 0 0
ABERDEEN ASIA-PACIFIC INCOME COM 003009107 46 11,207 SH   SOLE   11,207 0 0