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
AbbVie Inc. Equity 00287Y109 492 5,012 SH   SOLE   0 0 5,012
Adobe Systems Inc Equity 00724F101 538 1,235 SH   SOLE   0 0 1,235
Alphabet Inc Class A Equity 02079K305 1,324 933 SH   SOLE   0 0 933
Alphabet Inc Class C Equity 02079K107 368 260 SH   SOLE   0 0 260
Amazon Com Inc Equity 023135106 1,186 430 SH   SOLE   0 0 430
Amgen Inc. Equity 031162100 897 3,804 SH   SOLE   0 0 3,804
Apple Inc. Equity 037833100 8,055 22,081 SH   SOLE   0 0 22,081
Applied Materials Equity 038222105 468 7,740 SH   SOLE   0 0 7,740
AT&T Corp. Equity 00206R102 527 17,429 SH   SOLE   0 0 17,429
Automatic Data Processing Equity 053015103 253 1,700 SH   SOLE   0 0 1,700
Bank Of America Corp Equity 060505104 243 10,218 SH   SOLE   0 0 10,218
Bank Of New York Mellon Equity 064058100 907 23,456 SH   SOLE   0 0 23,456
Berkshire Hathaway B Shs. Equity 084670702 3,212 17,995 SH   SOLE   0 0 17,995
Bio-Rad Laboratories Equity 090572207 835 1,850 SH   SOLE   0 0 1,850
Boeing Corp. Equity 097023105 227 1,240 SH   SOLE   0 0 1,240
Chevron Corp Equity 166764100 412 4,621 SH   SOLE   0 0 4,621
Costco Companies Inc. Equity 22160K105 425 1,400 SH   SOLE   0 0 1,400
CVS Health Equity 126650100 389 5,984 SH   SOLE   0 0 5,984
Exxon Mobil Corporation Equity 30231G102 980 21,911 SH   SOLE   0 0 21,911
Facebook Inc Class A Equity 30303M102 479 2,108 SH   SOLE   0 0 2,108
Fiserv Inc. Equity 337738108 200 2,050 SH   SOLE   0 0 2,050
General Electric Corp. Equity 369604103 178 26,067 SH   SOLE   0 0 26,067
Home Depot Equity 437076102 660 2,635 SH   SOLE   0 0 2,635
Intel Corp. Equity 458140100 426 7,115 SH   SOLE   0 0 7,115
Intuitive Surgical Inc Equity 46120E602 402 705 SH   SOLE   0 0 705
Invesco 2020 Corp Bulletshares Equity 46138J502 333 15,655 SH   SOLE   0 0 15,655
Invesco 2020 HY Bulletshares Equity 46138J601 5,565 239,043 SH   SOLE   0 0 239,043
Invesco 2021 HY Bulletshares Equity 46138J809 1,306 57,580 SH   SOLE   0 0 57,580
Invesco Emer Mkts Sovereign De Equity 46138E784 391 14,618 SH   SOLE   0 0 14,618
Invesco FTSE RAFI US 1000 Equity 46137V613 3,812 35,196 SH   SOLE   0 0 35,196
Invesco KBW High Div Financial Equity 46138E610 143 10,540 SH   SOLE   0 0 10,540
Invesco QQQ Trust Equity 46090E103 229 922 SH   SOLE   0 0 922
Invesco S&P 500 Equal Weight E Equity 46137V357 427 4,192 SH   SOLE   0 0 4,192
Invesco S&P 500 Hedged ETF Equity 46090A705 3,380 109,094 SH   SOLE   0 0 109,094
Invesco S&P 500 Low Volatility Equity 46138E354 6,393 128,683 SH   SOLE   0 0 128,683
IShares Core S&P Total US Stoc Equity 464287150 1,635 23,544 SH   SOLE   0 0 23,544
IShares LehmanTIPS Bond Fd Equity 464287176 813 6,607 SH   SOLE   0 0 6,607
Ishares S&P Midcap Equity 464287507 1,145 6,439 SH   SOLE   0 0 6,439
Ishares Trust Lehman Aggregate Equity 464287226 356 3,008 SH   SOLE   0 0 3,008
Johnson & Johnson Equity 478160104 1,173 8,342 SH   SOLE   0 0 8,342
JPMorgan Ultra Short Income Equity 46641Q837 9,203 181,406 SH   SOLE   0 0 181,406
Mastercard Inc Equity 57636Q104 229 775 SH   SOLE   0 0 775
Merck & Co. Equity 58933Y105 236 3,055 SH   SOLE   0 0 3,055
Microsoft Corp. Equity 594918104 1,390 6,830 SH   SOLE   0 0 6,830
Mondelez Intl Inc Equity 609207105 456 8,916 SH   SOLE   0 0 8,916
Novo-Nordisk A-S Adr Equity 670100205 456 6,970 SH   SOLE   0 0 6,970
Pepsico Equity 713448108 283 2,141 SH   SOLE   0 0 2,141
Pfizer Inc. Equity 717081103 269 8,227 SH   SOLE   0 0 8,227
Proctor & Gamble Equity 742718109 598 5,005 SH   SOLE   0 0 5,005
Qualcomm Inc. Equity 747525103 2,298 25,190 SH   SOLE   0 0 25,190
Realty Income Corp. Equity 756109104 1,470 24,698 SH   SOLE   0 0 24,698
Schwab Emerg Mkt Equity Equity 808524706 531 21,791 SH   SOLE   0 0 21,791
Schwab Intermediate Term Treas Equity 808524854 685 11,651 SH   SOLE   0 0 11,651
Schwab US Agg Bnd ETF Equity 808524839 323 5,737 SH   SOLE   0 0 5,737
Schwab US Broad Mkt ETF Equity 808524102 3,975 54,102 SH   SOLE   0 0 54,102
Schwab US Dividend Equity Equity 808524797 1,145 22,117 SH   SOLE   0 0 22,117
Schwab US Mid-Cap Equity 808524508 1,696 32,231 SH   SOLE   0 0 32,231
Schwab US TIPS ETF Equity 808524870 934 15,568 SH   SOLE   0 0 15,568
Sempra Energy Equity 816851109 300 2,561 SH   SOLE   0 0 2,561
SPDR Aggregate Bond ETF Equity 78464A649 311 10,079 SH   SOLE   0 0 10,079
SPDR Barclays TIPS Equity 78464A656 215 7,138 SH   SOLE   0 0 7,138
SPDR Gold Mini ETF Equity 98149E204 1,906 107,337 SH   SOLE   0 0 107,337
SPDR Mid Cap Equity 78464A847 446 14,274 SH   SOLE   0 0 14,274
SPDR MSCI ACWI Ex-US ETF Equity 78463X848 1,115 49,212 SH   SOLE   0 0 49,212
SPDR S&P Dividend Equity 78464A763 283 3,105 SH   SOLE   0 0 3,105
SPDR St Term Corp BndETF Equity 78464A474 382 12,180 SH   SOLE   0 0 12,180
SPDR Total Stock Market ETF Equity 78464A805 995 26,328 SH   SOLE   0 0 26,328
SPDR Trust 1 Equity 78462F103 537 1,740 SH   SOLE   0 0 1,740
SPDR World Ex-US ETF Equity 78463X889 1,126 40,752 SH   SOLE   0 0 40,752
Tesla Motors Inc Equity 88160R101 324 300 SH   SOLE   0 0 300
Union Pacific Corp. Equity 907818108 201 1,190 SH   SOLE   0 0 1,190
Vanguard Bond Index Fund Equity 921937835 1,120 12,672 SH   SOLE   0 0 12,672
Vanguard Dividend Appreciation Equity 921908844 1,289 11,003 SH   SOLE   0 0 11,003
Vanguard FTSE All-World Ex. US Equity 922042775 1,519 31,895 SH   SOLE   0 0 31,895
Vanguard FTSE Emerging Mkts Equity 922042858 884 22,321 SH   SOLE   0 0 22,321
Vanguard I/T Corp Bond Equity 92206C870 595 6,255 SH   SOLE   0 0 6,255
Vanguard Inter Govt Bond ETF Equity 92206C706 677 9,591 SH   SOLE   0 0 9,591
Vanguard S/T Corp Bond Fd Equity 92206C409 1,473 17,824 SH   SOLE   0 0 17,824
Vanguard Total Stock Mkt Viper Equity 922908769 14,719 94,034 SH   SOLE   0 0 94,034
Ventas Inc Equity 92276F100 484 13,205 SH   SOLE   0 0 13,205
Verizon Communications Equity 92343V104 904 16,388 SH   SOLE   0 0 16,388
Wells Fargo 7.5 Cnv Pfd L Equity 949746804 952 734 SH   SOLE   0 0 734