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
Aberdeen Standard Physical Pal PHYSICAL PALLADM 003262102 857 4,270 SH   SOLE NONE 0 0 4,270
Aberdeen Standard Physical Pla PHYSCL PLATM SHS 003260106 958 12,001 SH   SOLE NONE 0 0 12,001
Apple Computer COM 037833100 3,552 25,701 SH   SOLE NONE 0 0 25,701
Ball Corporation COM 058498106 1,087 22,514 SH   SOLE NONE 0 0 22,514
BlackRock MuniHoldings CA Qual COM 09254L107 264 24,670 SH   SOLE NONE 0 0 24,670
Caterpillar Inc. COM 149123101 262 1,600 SH   SOLE NONE 0 0 1,600
Charles River Laboratories Int COM 159864107 561 2,851 SH   SOLE NONE 0 0 2,851
Chevron Corporation COM 166764100 460 3,207 SH   SOLE NONE 0 0 3,207
Cigna Corp. COM 125523100 1,739 6,270 SH   SOLE NONE 0 0 6,270
Comcast Corp New Cl A CL A 20030N101 576 19,647 SH   SOLE NONE 0 0 19,647
Corning Inc. COM 219350105 752 25,914 SH   SOLE NONE 0 0 25,914
Deutsche X-Trackers MSCI EAFE XTRACK MSCI EAFE 233051200 21,884 653,664 SH   SOLE NONE 0 0 653,664
Diamonds Trust - Unit Series 1 UT SER 1 78467X109 556 1,937 SH   SOLE NONE 0 0 1,937
Dollar Tree Inc Com COM 256746108 371 2,731 SH   SOLE NONE 0 0 2,731
Eaton Vance Fl Rt In Tr COM 278279104 128 11,312 SH   SOLE NONE 0 0 11,312
Eaton Vance SR Fl Rt Tr COM 27828Q105 510 45,933 SH   SOLE NONE 0 0 45,933
Essex Property Trust Inc. COM 297178105 687 2,840 SH   SOLE NONE 0 0 2,840
FedEx Corporation COM 31428X106 996 6,712 SH   SOLE NONE 0 0 6,712
First Trust Dow Jones Sel Micr COM SHS ANNUAL 33718M105 2,027 40,556 SH   SOLE NONE 0 0 40,556
First Trust/Four Corners COM 33733U108 221 22,142 SH   SOLE NONE 0 0 22,142
Fiserv Inc. Wisc Pv 1CT COM 337738108 1,752 18,730 SH   SOLE NONE 0 0 18,730
Global Payments Inc. COM 37940X102 867 8,025 SH   SOLE NONE 0 0 8,025
Goldman Sachs Equal Wght US Lg EQUAL WEIGHT US 381430438 6,417 120,395 SH   SOLE NONE 0 0 120,395
Hartford Multifactor Dev Mkts HARTFORD MLT ETF 518416102 2,546 117,123 SH   SOLE NONE 0 0 117,123
Honeywell Inc. COM 438516106 9,803 58,713 SH   SOLE NONE 0 0 58,713
Intel Corp. COM 458140100 231 9,000 SH   SOLE NONE 0 0 9,000
Invesco S&P 500 Equal Weight E S&P500 EQL WGT 46137V357 25,826 202,911 SH   SOLE NONE 0 0 202,911
Invesco S&P 500 Garp S&P 500 GARP ETF 46137V431 7,883 105,350 SH   SOLE NONE 0 0 105,350
Invesco S&P SmallCap Value wit S&P SMCP VLU MNT 46137V480 666 16,169 SH   SOLE NONE 0 0 16,169
IQ 50 Percent Hedged FTSE Intl FTSE INTERNL EQT 45409B560 1,680 87,193 SH   SOLE NONE 0 0 87,193
iShares Core MSCI Emerging Mar CORE MSCI EMKT 46434G103 2,149 50,009 SH   SOLE NONE 0 0 50,009
iShares Currency Hdgd MSCI EAF MSCI EAFE SMCP 46435G839 1,414 47,750 SH   SOLE NONE 0 0 47,750
iShares Currency Hedged MSCI E HDG MSCI EAFE 46434V803 8,862 296,511 SH   SOLE NONE 0 0 296,511
iShares Edge MSCI Min Vol USA MSCI USA MIN VOL 46429B697 271 4,103 SH   SOLE NONE 0 0 4,103
iShares Floating Rate Bond ETF FLTG RATE NT ETF 46429B655 7,849 156,154 SH   SOLE NONE 0 0 156,154
Ishares MSCI EAFE Small Cap EAFE SML CP ETF 464288273 5,397 110,641 SH   SOLE NONE 0 0 110,641
iShares MSCI USA Equal Weighte MSCI EQUAL WEITE 464286681 800 11,984 SH   SOLE NONE 0 0 11,984
Ishares Russell Microcap MICRO-CAP ETF 464288869 2,136 20,668 SH   SOLE NONE 0 0 20,668
iShares Silver Trust ISHARES 46428Q109 1,848 105,612 SH   SOLE NONE 0 0 105,612
iShares Ultra Short-Term Bond BLACKROCK ULTRA 46434V878 929 18,595 SH   SOLE NONE 0 0 18,595
Johnson & Johnson COM 478160104 226 1,387 SH   SOLE NONE 0 0 1,387
Laboratory Crp of Amer Hldgs COM NEW 50540R409 525 2,564 SH   SOLE NONE 0 0 2,564
LKQ Corp COM 501889208 1,615 34,263 SH   SOLE NONE 0 0 34,263
M S Emerging Market Debt COM 61744H105 145 23,668 SH   SOLE NONE 0 0 23,668
Microchip Technology Inc COM 595017104 932 15,281 SH   SOLE NONE 0 0 15,281
Nike CL B 654106103 456 5,492 SH   SOLE NONE 0 0 5,492
Norfolk Southern Corp COM 655844108 525 2,505 SH   SOLE NONE 0 0 2,505
Northrop Grumman Corp COM 666807102 503 1,070 SH   SOLE NONE 0 0 1,070
Pfizer Inc COM 717081103 1,490 34,069 SH   SOLE NONE 0 0 34,069
Pimco Enhanced Short Maturity ENHAN SHRT MA AC 72201R833 985 9,966 SH   SOLE NONE 0 0 9,966
PowerShares Ultra Short Durati ULTRA SHRT DUR 46090A887 4,699 95,158 SH   SOLE NONE 0 0 95,158
Prestige Consumer Healthcare I COM 74112D101 868 17,423 SH   SOLE NONE 0 0 17,423
Schwab Fnd Intl Large Company SCHWB FDT INT LG 808524755 11,511 457,699 SH   SOLE NONE 0 0 457,699
Schwab US Mid-Cap ETF US MID-CAP ETF 808524508 4,247 70,174 SH   SOLE NONE 0 0 70,174
Sector Spdr Health Fund SBI HEALTHCARE 81369Y209 413 3,418 SH   SOLE NONE 0 0 3,418
SPDR Barclays 1-3 Month T-Bill BLOOMBERG 1-3 MO 78468R663 1,135 12,400 SH   SOLE NONE 0 0 12,400
SPDR Blmbg Barclays Inv Grd Fl BLOOMBERG INVT 78468R200 9,640 318,181 SH   SOLE NONE 0 0 318,181
SPDR Gold Trust GOLD SHS 78463V107 1,047 6,775 SH   SOLE NONE 0 0 6,775
SPDR Portfolio Emerging Market PORTFOLIO EMG MK 78463X509 2,516 81,088 SH   SOLE NONE 0 0 81,088
SPDR Portfolio Small Cap ETF PORTFOLIO S&P600 78468R853 1,788 52,505 SH   SOLE NONE 0 0 52,505
SPDR S&P 500 Fossil Fuel Free SPDR S&P 500 ETF 78468R796 728 8,357 SH   SOLE NONE 0 0 8,357
SPDR S&P 500 Trust TR UNIT 78462F103 1,814 5,081 SH   SOLE NONE 0 0 5,081
SPDR S&P Dividend ETF S&P DIVID ETF 78464A763 302 2,713 SH   SOLE NONE 0 0 2,713
SPDR S&P Emerging Markets Smal S&P EMKTSC ETF 78463X756 3,684 80,861 SH   SOLE NONE 0 0 80,861
SPDR S&P Global Natural Resour GLB NAT RESRCE 78463X541 8,011 161,978 SH   SOLE NONE 0 0 161,978
Tapestry COM 876030107 745 26,238 SH   SOLE NONE 0 0 26,238
Timken Co. COM 887389104 1,350 22,872 SH   SOLE NONE 0 0 22,872
Vanguard Europe Pacific ETF VAN FTSE DEV MKT 921943858 6,292 173,065 SH   SOLE NONE 0 0 173,065
Vanguard FTSE Emerg. Mkts. Ind FTSE EMR MKT ETF 922042858 2,123 58,193 SH   SOLE NONE 0 0 58,193
Vanguard Health Care HEALTH CAR ETF 92204A504 3,805 17,011 SH   SOLE NONE 0 0 17,011
Vanguard International Dividen INTL DVD ETF 921946810 630 10,172 SH   SOLE NONE 0 0 10,172
Vanguard Mid-Cap Stk ETF MID CAP ETF 922908629 2,962 15,758 SH   SOLE NONE 0 0 15,758
Vanguard Russell 1000 Growth I VNG RUS1000GRW 92206C680 519 9,574 SH   SOLE NONE 0 0 9,574
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 1,332 4,059 SH   SOLE NONE 0 0 4,059
Vanguard Short-Term Bond ETF SHRT TRM CORP BD 92206C409 7,583 102,088 SH   SOLE NONE 0 0 102,088
Vanguard Small Cap SMALL CP ETF 922908751 6,599 38,614 SH   SOLE NONE 0 0 38,614
Vanguard Specialized Portfolio DIV APP ETF 921908844 938 6,941 SH   SOLE NONE 0 0 6,941
Vanguard Ultra-Short Bond ETF VANGUARD ULTRA 92203C303 732 14,956 SH   SOLE NONE 0 0 14,956
Vanguard Value Index Fund ETF VALUE ETF 922908744 1,653 13,388 SH   SOLE NONE 0 0 13,388
VMWare Inc. Com CL A COM 928563402 237 2,229 SH   SOLE NONE 0 0 2,229
Vontier Corporation COM 928881101 648 38,829 SH   SOLE NONE 0 0 38,829
Walt Disney Company COM 254687106 942 9,988 SH   SOLE NONE 0 0 9,988
WisdomTree Dynamic Ccy Hdgd In CURRNCY INT EQ 97717X263 284 10,946 SH   SOLE NONE 0 0 10,946
WisdomTree European Hedged Sma EUR HDG SMLCAP 97717X552 3,144 114,626 SH   SOLE NONE 0 0 114,626
WisdomTree Intern'l Hdgd Div G ITL HDG QTLY DIV 97717X594 15,089 420,431 SH   SOLE NONE 0 0 420,431
WisdomTree International Small INTL SMCAP DIV 97717W760 4,535 88,172 SH   SOLE NONE 0 0 88,172
WisdomTree Japan - Hedged JAPN HEDGE EQT 97717W851 1,513 24,533 SH   SOLE NONE 0 0 24,533
Wisdomtree Small Emerging Mark EMG MKTS SMCAP 97717W281 2,082 52,301 SH   SOLE NONE 0 0 52,301
Wsdmtree Emrgn Mkts St EM EX ST-OWNED 97717X578 8,445 343,038 SH   SOLE NONE 0 0 343,038