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
3M CO COM 88579Y101 412 2,351 SH   SOLE   2,351 0 0
ALLSTATE CORP COM 020002101 256 2,010 SH   SOLE   2,010 0 0
ALPHABET INC CAP STK CL A 02079K305 783 293 SH   SOLE   293 0 0
ALPHABET INC CAP STK CL C 02079K107 344 129 SH   SOLE   129 0 0
ALTRIA GROUP INC COM 02209S103 1,490 32,725 SH   SOLE   32,725 0 0
AMAZON COM INC COM 023135106 3,203 975 SH   SOLE   975 0 0
AMERICAN EXPRESS CO COM 025816109 1,092 6,516 SH   SOLE   6,516 0 0
AMERIPRISE FINL INC COM 03076C106 328 1,242 SH   SOLE   1,242 0 0
AMGEN INC COM 031162100 470 2,210 SH   SOLE   2,210 0 0
APPLE INC COM 037833100 5,336 37,709 SH   SOLE   37,709 0 0
AT&T INC COM 00206R102 602 22,300 SH   SOLE   22,300 0 0
BANK NEW YORK MELLON CORP COM 064058100 345 6,654 SH   SOLE   6,654 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 249 8,496 SH   SOLE   8,496 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 307 1,124 SH   SOLE   1,124 0 0
BLACKROCK INC COM 09247X101 500 596 SH   SOLE   596 0 0
BLACKSTONE INC COM 09260D107 1,391 11,958 SH   SOLE   11,958 0 0
BOEING CO COM 097023105 398 1,811 SH   SOLE   1,811 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 369 7,131 SH   SOLE   7,131 0 0
CATERPILLAR INC COM 149123101 384 2,000 SH   SOLE   2,000 0 0
CHEVRON CORP NEW COM 166764100 1,094 10,784 SH   SOLE   10,784 0 0
CISCO SYS INC COM 17275R102 917 16,848 SH   SOLE   16,848 0 0
CLOROX CO DEL COM 189054109 628 3,792 SH   SOLE   3,792 0 0
COMCAST CORP NEW CL A 20030N101 416 7,446 SH   SOLE   7,446 0 0
COSTCO WHSL CORP NEW COM 22160K105 495 1,102 SH   SOLE   1,102 0 0
DISNEY WALT CO COM 254687106 403 2,382 SH   SOLE   2,382 0 0
EXXON MOBIL CORP COM 30231G102 2,623 44,595 SH   SOLE   44,595 0 0
FACEBOOK INC CL A 30303M102 387 1,140 SH   SOLE   1,140 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 5,541 151,391 SH   SOLE   151,391 0 0
GENERAL ELECTRIC CO COM NEW 369604301 206 2,002 SH   SOLE   2,002 0 0
GENERAL MLS INC COM 370334104 879 14,687 SH   SOLE   14,687 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 563 14,721 SH   SOLE   14,721 0 0
HOME DEPOT INC COM 437076102 955 2,910 SH   SOLE   2,910 0 0
HP INC COM 40434L105 251 9,184 SH   SOLE   9,184 0 0
INTEL CORP COM 458140100 887 16,648 SH   SOLE   16,648 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 906 6,519 SH   SOLE   6,519 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 212 213 SH   SOLE   213 0 0
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 7,913 375,936 SH   SOLE   375,936 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 5,633 374,768 SH   SOLE   374,768 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,102 3,077 SH   SOLE   3,077 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 20,742 240,765 SH   SOLE   240,765 0 0
ISHARES TR CALIF MUN BD ETF 464288356 1,265 20,374 SH   SOLE   20,374 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,032 9,451 SH   SOLE   9,451 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,479 5,753 SH   SOLE   5,753 0 0
ISHARES TR CORE US AGGBD ET 464287226 21,692 188,907 SH   SOLE   188,907 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 694 12,710 SH   SOLE   12,710 0 0
ISHARES TR MSCI EAFE ETF 464287465 700 8,975 SH   SOLE   8,975 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 437 5,800 SH   SOLE   5,800 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 780 15,477 SH   SOLE   15,477 0 0
ISHARES TR PFD AND INCM SEC 464288687 7,399 190,649 SH   SOLE   190,649 0 0
ISHARES TR RUS 1000 ETF 464287622 254 1,050 SH   SOLE   1,050 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,044 7,459 SH   SOLE   7,459 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 5,402 34,518 SH   SOLE   34,518 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 11,871 54,267 SH   SOLE   54,267 0 0
JOHNSON & JOHNSON COM 478160104 1,929 11,943 SH   SOLE   11,943 0 0
JPMORGAN CHASE & CO COM 46625H100 1,366 8,344 SH   SOLE   8,344 0 0
KIMBERLY-CLARK CORP COM 494368103 604 4,563 SH   SOLE   4,563 0 0
KRAFT HEINZ CO COM 500754106 288 7,835 SH   SOLE   7,835 0 0
MERCK & CO INC COM 58933Y105 259 3,443 SH   SOLE   3,443 0 0
MICROSOFT CORP COM 594918104 2,420 8,583 SH   SOLE   8,583 0 0
MONDELEZ INTL INC CL A 609207105 1,445 24,837 SH   SOLE   24,837 0 0
MYRIAD GENETICS INC COM 62855J104 334 10,357 SH   SOLE   10,357 0 0
NORFOLK SOUTHN CORP COM 655844108 1,354 5,659 SH   SOLE   5,659 0 0
OTIS WORLDWIDE CORP COM 68902V107 336 4,086 SH   SOLE   4,086 0 0
PEPSICO INC COM 713448108 291 1,934 SH   SOLE   1,934 0 0
PFIZER INC COM 717081103 1,288 29,957 SH   SOLE   29,957 0 0
PG&E CORP COM 69331C108 100 10,416 SH   SOLE   10,416 0 0
PHILIP MORRIS INTL INC COM 718172109 1,918 20,238 SH   SOLE   20,238 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 307 3,013 SH   SOLE   3,013 0 0
PROCTER AND GAMBLE CO COM 742718109 7,406 52,977 SH   SOLE   52,977 0 0
QUALCOMM INC COM 747525103 535 4,146 SH   SOLE   4,146 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 768 8,934 SH   SOLE   8,934 0 0
ROCKWELL AUTOMATION INC COM 773903109 357 1,213 SH   SOLE   1,213 0 0
SALESFORCE COM INC COM 79466L302 288 1,063 SH   SOLE   1,063 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,081 363,854 SH   SOLE   363,854 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 31,446 614,297 SH   SOLE   614,297 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 10,764 159,507 SH   SOLE   159,507 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 961 18,440 SH   SOLE   18,440 0 0
SOUTHERN CO COM 842587107 610 9,842 SH   SOLE   9,842 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 355 1,051 SH   SOLE   1,051 0 0
SPDR GOLD TR GOLD SHS 78463V107 380 2,313 SH   SOLE   2,313 0 0
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 224 5,904 SH   SOLE   5,904 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 32,579 75,918 SH   SOLE   75,918 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 616 12,475 SH   SOLE   12,475 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 372 12,471 SH   SOLE   12,471 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 980 25,048 SH   SOLE   25,048 0 0
SPDR SER TR S&P DIVID ETF 78464A763 471 4,010 SH   SOLE   4,010 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 2,727 29,821 SH   SOLE   29,821 0 0
STARBUCKS CORP COM 855244109 215 1,945 SH   SOLE   1,945 0 0
SUMMIT ST BK SANTA ROSA CALI COM 866264203 1,537 77,650 SH   SOLE   77,650 0 0
UMPQUA HLDGS CORP COM 904214103 656 32,410 SH   SOLE   32,410 0 0
UNILEVER PLC SPON ADR NEW 904767704 345 6,358 SH   SOLE   6,358 0 0
UNITED PARCEL SERVICE INC CL B 911312106 483 2,653 SH   SOLE   2,653 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 12,365 42,614 SH   SOLE   42,614 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 417 1,763 SH   SOLE   1,763 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,239 5,668 SH   SOLE   5,668 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 4,235 31,283 SH   SOLE   31,283 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 5,155 84,559 SH   SOLE   84,559 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,115 22,296 SH   SOLE   22,296 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 32,401 527,621 SH   SOLE   527,621 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 323 3,918 SH   SOLE   3,918 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 745 11,776 SH   SOLE   11,776 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 312 3,372 SH   SOLE   3,372 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 941 17,414 SH   SOLE   17,414 0 0
VISA INC COM CL A 92826C839 681 3,059 SH   SOLE   3,059 0 0
WASTE MGMT INC DEL COM 94106L109 333 2,231 SH   SOLE   2,231 0 0
WELLS FARGO CO NEW COM 949746101 804 17,332 SH   SOLE   17,332 0 0
WISDOMTREE TR US DIVID EX FNCL 97717W406 1,546 16,454 SH   SOLE   16,454 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 8,087 67,797 SH   SOLE   67,797 0 0