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
PROSPECT CAP CORP 6.375 03/01/2025 Convertible 74348TAT9 11 10,000 SH   SOLE   10,000 0 0
INVESCO BULLETSHARES 2021 CORPORATE BOND ETF ETF 46138J700 255 12,077 SH   SOLE   12,077 0 0
ISHARES S&P MIDCAP FUND ETF 464287507 261 1,003 SH   SOLE   1,003 0 0
MERCK & CO. INC COM Stock 58933Y105 270 3,508 SH   SOLE   3,508 0 0
SCHWAB US LARGE CAP GROWTH ETF ETF 808524300 296 2,284 SH   SOLE   2,284 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 298 1,229 SH   SOLE   1,229 0 0
INTEL CORP COM Stock 458140100 341 5,333 SH   SOLE   5,333 0 0
VANGUARD CONSUMER STAPLES INDEX FUND ETF 92204A207 352 1,978 SH   SOLE   1,978 0 0
AMAZON COM INC COM Stock 023135106 399 129 SH   SOLE   129 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 423 2,879 SH   SOLE   2,879 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 445 2,928 SH   SOLE   2,928 0 0
SCHWAB US MID-CAP ETF ETF 808524508 479 6,441 SH   SOLE   6,441 0 0
AMER STATES WTR CO COM Stock 029899101 517 6,843 SH   SOLE   6,843 0 0
MICROSOFT Stock 594918104 540 2,292 SH   SOLE   2,292 0 0
SPDR S&P 500 ETF ETF 78462F103 546 1,380 SH   SOLE   1,380 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 614 6,395 SH   SOLE   6,395 0 0
VANGUARD ENERGY ETF 92204A306 615 9,054 SH   SOLE   9,054 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 653 589 SH   SOLE   5,089 0 0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 707 8,581 SH   SOLE   8,581 0 0
APPLE INC Stock 037833100 978 8,011 SH   SOLE   8,011 0 0
VANGUARD INFORMATION TECHNOLOGY ETF 92204A702 1,095 3,055 SH   SOLE   3,055 0 0
VANGUARD FINANCIALS ETF ETF 92204A405 1,108 13,114 SH   SOLE   13,114 0 0
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325 1,245 45,872 SH   SOLE   45,872 0 0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515 1,407 49,694 SH   SOLE   49,694 0 0
ISHARES IBONDS DEC 2021 TERM CORPORATE ETF ETF 46434VBK5 1,594 64,160 SH   SOLE   64,160 0 0
ISHARES IBONDS DEC 2021 TERM MUNI BOND ETF ETF 46435G789 1,601 62,276 SH   SOLE   62,276 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 2,000 74,879 SH   SOLE   74,879 0 0
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283 2,296 85,249 SH   SOLE   85,249 0 0
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF ETF 46434VBA7 2,700 106,067 SH   SOLE   106,067 0 0
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF ETF 46435G755 2,895 109,932 SH   SOLE   109,932 0 0
VANGUARD TOTAL STK MKT ETF 922908769 2,913 14,095 SH   SOLE   14,095 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 3,101 117,674 SH   SOLE   117,674 0 0
ISHARES IBONDS DEC 2026 TERM MUNI BOND ETF ETF 46435U259 3,151 117,479 SH   SOLE   117,479 0 0
ISHARES IBONDS DEC 2025 TERM MUNI BOND ETF ETF 46435U432 3,513 125,770 SH   SOLE   125,770 0 0
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8 3,527 134,932 SH   SOLE   134,932 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1 3,531 131,622 SH   SOLE   131,622 0 0
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4 3,553 134,663 SH   SOLE   134,663 0 0
ISHARES IBONDS DEC 2024 TERM MUNI BOND ETF ETF 46435U697 3,765 139,497 SH   SOLE   139,497 0 0
ISHARES IBONDS DEC 2023 TERM MUNI BOND ETF ETF 46435G318 3,788 144,777 SH   SOLE   144,777 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF 92204A884 4,222 32,476 SH   SOLE   32,476 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 4,393 89,324 SH   SOLE   89,324 0 0
VANGUARD CONSUMER DISCRETIONARY ETF 92204A108 4,489 15,198 SH   SOLE   15,198 0 0
VANGUARD INDUSTRIALS ETF 92204A603 4,868 25,720 SH   SOLE   25,720 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 5,133 22,443 SH   SOLE   22,443 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 8,884 53,644 SH   SOLE   53,644 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595 8,884 32,348 SH   SOLE   32,348 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 9,008 173,079 SH   SOLE   173,079 0 0
VANGUARD SMALL CAP ETF ETF 922908751 9,199 42,971 SH   SOLE   42,971 0 0
ISHARES S&P 500 INDEX ETF 464287200 10,386 26,107 SH   SOLE   26,107 0 0
VANGUARD INDEX FDS MID-CAP VALUE INDEX VIPER SHS ETF ETF 922908512 16,634 123,337 SH   SOLE   123,337 0 0
VANGUARD MID CAP GROWTH ETF ETF 922908538 17,111 79,741 SH   SOLE   79,741 0 0
VANGUARD MID CAP ETF 922908629 18,102 81,786 SH   SOLE   81,786 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 18,609 378,938 SH   SOLE   378,938 0 0
VANGUARD SHORT-TERM GOVERNMENT BOND ETF ETF 92206C102 23,023 374,290 SH   SOLE   374,290 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 31,096 220,167 SH   SOLE   220,167 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 31,886 489,737 SH   SOLE   489,737 0 0