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
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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
Abbvie Inc COM 00287Y109 3,221 36,769 SH   SOLE NONE 36,769 0 36,769
Accenture Plc Cl A SHS CLASS A G1151C101 1,218 5,390 SH   SOLE NONE 5,390 0 5,390
Adobe Systems Inc. COM 00724F101 1,194 2,435 SH   SOLE NONE 2,435 0 2,435
Alibaba Group Hldg ADR SPONSORED ADS 01609W102 2,041 6,942 SH   SOLE NONE 6,942 0 6,942
Alphabet Inc Class A CAP STK CL A 02079K305 303 207 SH   SOLE NONE 207 0 207
Alphabet Inc Class C CAP STK CL C 02079K107 4,477 3,046 SH   SOLE NONE 3,046 0 3,046
Altria Group Inc. COM 02209S103 666 17,235 SH   SOLE NONE 17,235 0 17,235
Amazon.com Inc. COM 023135106 998 317 SH   SOLE NONE 317 0 317
American Express Company COM 025816109 1,803 17,987 SH   SOLE NONE 17,987 0 17,987
Amgen Inc. COM 031162100 1,168 4,596 SH   SOLE NONE 4,596 0 4,596
Apple Inc. COM 037833100 22,683 195,861 SH   SOLE NONE 195,861 0 195,861
Berkshire Hathaway Cl B CL B NEW 084670702 11,672 54,814 SH   SOLE NONE 54,814 0 54,814
Booking Holdings Inc COM 09857L108 399 233 SH   SOLE NONE 233 0 233
BP PLC ADR SPONSORED ADR 055622104 2,023 115,858 SH   SOLE NONE 115,858 0 115,858
Chevron Corp. COM 166764100 1,091 15,148 SH   SOLE NONE 15,148 0 15,148
Cloudflare Inc. CL A COM 18915M107 218 5,313 SH   SOLE NONE 5,313 0 5,313
Consumer Staples Select Sector SPDR SBI CONS STPLS 81369Y308 2,402 37,475 SH   SOLE NONE 37,475 0 37,475
Energy Select Sector SPDR ENERGY 81369Y506 3,256 108,703 SH   SOLE NONE 108,703 0 108,703
Facebook Inc Class A CL A 30303M102 9,262 35,366 SH   SOLE NONE 35,366 0 35,366
FedEx Corporation COM 31428X106 1,920 7,635 SH   SOLE NONE 7,635 0 7,635
Financial Select Sector SPDR SBI INT-FINL 81369Y605 2,106 87,498 SH   SOLE NONE 87,498 0 87,498
Industrial Select Sector SPDR SBI INT-INDS 81369Y704 238 3,096 SH   SOLE NONE 3,096 0 3,096
Intercontinental Exchange Inc. COM 45866F104 556 5,558 SH   SOLE NONE 5,558 0 5,558
Invesco KBW Bank ETF KBW BK ETF 46138E628 5,347 142,630 SH   SOLE NONE 142,630 0 142,630
Invesco S&P 500 Pure Growth ETF S&P500 PUR GWT 46137V266 407 2,875 SH   SOLE NONE 2,875 0 2,875
Invesco S&P 500 Pure Value ETF S&P500 PUR VAL 46137V258 2,835 57,843 SH   SOLE NONE 57,843 0 57,843
iShares Dow Jones Transportation Average TRANS AVG ETF 464287192 242 1,218 SH   SOLE NONE 1,218 0 1,218
iShares Dow Jones US Medical Devices U.S. MED DVC ETF 464288810 459 1,532 SH   SOLE NONE 1,532 0 1,532
iShares Edge MSCI Min Vol Global ETF MSCI GBL MIN VOL 464286525 236 2,567 SH   SOLE NONE 2,567 0 2,567
iShares MSCI Brazil MSCI BRAZIL ETF 464286400 658 23,803 SH   SOLE NONE 23,803 0 23,803
iShares MSCI EAFE MSCI EAFE ETF 464287465 391 6,145 SH   SOLE NONE 6,145 0 6,145
iShares Russell Microcap MICRO-CAP ETF 464288869 228 2,518 SH   SOLE NONE 2,518 0 2,518
iShares S&P MidCap 400 CORE S&P MCP ETF 464287507 948 5,115 SH   SOLE NONE 5,115 0 5,115
iShares S&P SmallCap 600 CORE S&P SCP ETF 464287804 1,090 15,527 SH   SOLE NONE 15,527 0 15,527
Ishares US Energy Etf U.S. ENERGY ETF 464287796 4,364 273,461 SH   SOLE NONE 273,461 0 273,461
Janus Short Duration HENDRSN SHRT ETF 47103U886 9,013 178,871 SH   SOLE NONE 178,871 0 178,871
JPMorgan Chase & Co. COM 46625H100 1,810 18,801 SH   SOLE NONE 18,801 0 18,801
Materials Select Sector SPDR SBI MATERIALS 81369Y100 2,138 33,595 SH   SOLE NONE 33,595 0 33,595
Microsoft Corp COM 594918104 1,355 6,440 SH   SOLE NONE 6,440 0 6,440
Netflix Inc COM 64110L106 2,556 5,111 SH   SOLE NONE 5,111 0 5,111
Nvidia Corp COM 67066G104 299 552 SH   SOLE NONE 552 0 552
Paypal Holdings Incorpor COM 70450Y103 2,182 11,072 SH   SOLE NONE 11,072 0 11,072
Philip Morris International, Inc. COM 718172109 294 3,914 SH   SOLE NONE 3,914 0 3,914
Phillips 66 Common Stock COM 718546104 236 4,546 SH   SOLE NONE 4,546 0 4,546
Pinterest Inc CL A 72352L106 236 5,675 SH   SOLE NONE 5,675 0 5,675
Progressive Corp. COM 743315103 652 6,884 SH   SOLE NONE 6,884 0 6,884
Qualcomm, Inc. COM 747525103 394 3,349 SH   SOLE NONE 3,349 0 3,349
Roper Technologies Inc. COM 776696106 981 2,484 SH   SOLE NONE 2,484 0 2,484
SPDR S&P 500 TR UNIT 78462F103 1,971 5,885 SH   SOLE NONE 5,885 0 5,885
SPDR S&P Biotech S&P BIOTECH 78464A870 753 6,758 SH   SOLE NONE 6,758 0 6,758
SPDR S&P MidCap 400 ETF UTSER1 S&PDCRP 78467Y107 9,724 28,700 SH   SOLE NONE 28,700 0 28,700
Square Inc CL A 852234103 2,071 12,741 SH   SOLE NONE 12,741 0 12,741
Stanley Black & Decker COM 854502101 206 1,270 SH   SOLE NONE 1,270 0 1,270
Starbucks Corp. COM 855244109 504 5,864 SH   SOLE NONE 5,864 0 5,864
Sysco Corporation COM 871829107 271 4,363 SH   SOLE NONE 4,363 0 4,363
Technology Select Sector SPDR TECHNOLOGY 81369Y803 485 4,153 SH   SOLE NONE 4,153 0 4,153
Tesla Motors Inc. COM 88160R101 337 785 SH   SOLE NONE 785 0 785
Thermo Fisher Scientific Inc COM 883556102 569 1,288 SH   SOLE NONE 1,288 0 1,288
Unitedhealth Group, Inc. COM 91324P102 1,337 4,290 SH   SOLE NONE 4,290 0 4,290
Valero Energy Corp New COM 91913Y100 1,655 38,197 SH   SOLE NONE 38,197 0 38,197
Vanguard Energy ENERGY ETF 92204A306 1,711 42,439 SH   SOLE NONE 42,439 0 42,439
Vanguard Financials ETF FINANCIALS ETF 92204A405 355 6,070 SH   SOLE NONE 6,070 0 6,070
Vanguard FTSE Emerging Markets Index FTSE EMR MKT ETF 922042858 404 9,342 SH   SOLE NONE 9,342 0 9,342
Vanguard Growth GROWTH ETF 922908736 636 2,793 SH   SOLE NONE 2,793 0 2,793
Vanguard Mid Cap MID CAP ETF 922908629 255 1,445 SH   SOLE NONE 1,445 0 1,445
Vanguard Mid Cap Growth MCAP GR IDXVIP 922908538 332 1,844 SH   SOLE NONE 1,844 0 1,844
Vanguard Mid-Cap Value MCAP VL IDXVIP 922908512 372 3,670 SH   SOLE NONE 3,670 0 3,670
Vanguard Msci Eafe Etf FTSE DEV MKT ETF 921943858 932 22,797 SH   SOLE NONE 22,797 0 22,797
Vanguard REIT Index ETF REAL ESTATE ETF 922908553 383 4,849 SH   SOLE NONE 4,849 0 4,849
Vanguard S&P 500 Etf S&P 500 ETF SHS 922908363 13,419 43,617 SH   SOLE NONE 43,617 0 43,617
Vanguard Small Cap SMALL CP ETF 922908751 9,544 62,053 SH   SOLE NONE 62,053 0 62,053
Vanguard Small Cap Growth SML CP GRW ETF 922908595 282 1,311 SH   SOLE NONE 1,311 0 1,311
Vanguard Small Cap Value SM CP VAL ETF 922908611 316 2,856 SH   SOLE NONE 2,856 0 2,856
Vanguard Total Intl ETF VG TL INTL STK F 921909768 471 9,037 SH   SOLE NONE 9,037 0 9,037
Vanguard Total Stock Market TOTAL STK MKT 922908769 261 1,534 SH   SOLE NONE 1,534 0 1,534
Vanguard Value VALUE ETF 922908744 487 4,664 SH   SOLE NONE 4,664 0 4,664
Walt Disney Co. COM DISNEY 254687106 805 6,492 SH   SOLE NONE 6,492 0 6,492
Wells Fargo & Company COM 949746101 827 35,189 SH   SOLE NONE 35,189 0 35,189