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
Vanguard Total Stock Mkt Vipers COM 922908769 17,678 77,649 SH   SOLE   0 0 77,649
Apple Inc. COM 037833100 12,443 71,264 SH   SOLE   0 0 71,264
JPMorgan Ultra Short Income COM 46641Q837 6,763 134,535 SH   SOLE   0 0 134,535
Invesco S&P 500 Low Volatility ETF COM 46138E354 5,963 88,877 SH   SOLE   0 0 88,877
Invesco FTSE RAFI US 1000 COM 46137V613 5,327 31,175 SH   SOLE   0 0 31,175
Berkshire Hathaway Inc B COM 084670702 4,935 13,985 SH   SOLE   0 0 13,985
Schwab US Broad Mkt ETF COM 808524102 4,393 82,281 SH   SOLE   0 0 82,281
Invesco 2022 HY Bulletshares COM 46138J874 3,536 154,360 SH   SOLE   0 0 154,360
Invesco S&P 500 Hedged ETF COM 46090A705 3,356 92,860 SH   SOLE   0 0 92,860
Qualcomm Inc. COM 747525103 3,304 21,618 SH   SOLE   0 0 21,618
Invesco BulletShares 2024 High Yield Corporate Bon COM 46138J833 3,057 128,349 SH   SOLE   0 0 128,349
SPDR Gold Mini ETF COM 98149E303 2,196 57,086 SH   SOLE   0 0 57,086
Ishares S&P Midcap COM 464287507 2,173 8,097 SH   SOLE   0 0 8,097
Alphabet Inc Class A COM 02079K305 2,118 762 SH   SOLE   0 0 762
Vanguard Dividend Appreciation Fd COM 921908844 2,099 12,945 SH   SOLE   0 0 12,945
SPDR Developed World Ex-US ETF COM 78463X889 1,909 55,678 SH   SOLE   0 0 55,678
Tesla Motors Inc COM 88160R101 1,832 1,700 SH   SOLE   0 0 1,700
Vanguard S/T Corp Bond Fd COM 92206C409 1,730 22,154 SH   SOLE   0 0 22,154
Microsoft Corp. COM 594918104 1,719 5,575 SH   SOLE   0 0 5,575
Vanguard FTSE All-World Ex. US Idx COM 922042775 1,690 29,340 SH   SOLE   0 0 29,340
Schwab US Mid-Cap COM 808524508 1,677 22,113 SH   SOLE   0 0 22,113
iShares JPM USD Emeg Mkt Bnd ETF COM 464288281 1,528 15,634 SH   SOLE   0 0 15,634
Realty Income Corp. COM 756109104 1,311 18,922 SH   SOLE   0 0 18,922
Schwab US Dividend Equity COM 808524797 1,303 16,518 SH   SOLE   0 0 16,518
Amazon Com Inc COM 023135106 1,296 398 SH   SOLE   0 0 398
Vanguard Bond Index Fund COM 921937835 1,266 15,911 SH   SOLE   0 0 15,911
Invesco FTSE RAFI Dev Mkts Ex-US COM 46138E743 1,260 27,308 SH   SOLE   0 0 27,308
Johnson & Johnson COM 478160104 1,221 6,890 SH   SOLE   0 0 6,890
Vanguard FTSE Emerging Mkts COM 922042858 1,203 26,072 SH   SOLE   0 0 26,072
JPMorgan Equity Premium Income ETF COM 46641Q332 1,202 19,577 SH   SOLE   0 0 19,577
SPDR Total Stock Market ETF COM 78464A805 1,059 19,047 SH   SOLE   0 0 19,047
IShares TIPS Bond Fd COM 464287176 942 7,563 SH   SOLE   0 0 7,563
IShares S&P Smallcap COM 464287804 938 8,697 SH   SOLE   0 0 8,697
Exxon Mobil Corporation COM 30231G102 908 10,997 SH   SOLE   0 0 10,997
SPDR MSCI ACWI Ex-US ETF COM 78463X848 871 31,638 SH   SOLE   0 0 31,638
Vanguard Short-Term Treasury ETF COM 92206C102 851 14,367 SH   SOLE   0 0 14,367
Wells Fargo & Co New Perp PFD Cnv L COM 949746804 844 637 SH   SOLE   0 0 637
IShares Core S&P Total US Stock Mkt COM 464287150 807 7,998 SH   SOLE   0 0 7,998
Bio-Rad Laboratories COM 090572207 800 1,420 SH   SOLE   0 0 1,420
Novo-Nordisk A-S Adr COM 670100205 766 6,900 SH   SOLE   0 0 6,900
Schwab US TIPS ETF COM 808524870 745 12,265 SH   SOLE   0 0 12,265
Bank Of New York Mellon COM 064058100 723 14,568 SH   SOLE   0 0 14,568
SPDR Trust 1 COM 78462F103 686 1,518 SH   SOLE   0 0 1,518
CVS Health COM 126650100 653 6,448 SH   SOLE   0 0 6,448
Vanguard I/T Corp Bond COM 92206C870 640 7,444 SH   SOLE   0 0 7,444
Vanguard S&P 500 Etf COM 922908363 630 1,518 SH   SOLE   0 0 1,518
Home Depot COM 437076102 609 2,034 SH   SOLE   0 0 2,034
Amgen Inc. COM 031162100 589 2,434 SH   SOLE   0 0 2,434
AbbVie Inc. COM 00287Y109 581 3,582 SH   SOLE   0 0 3,582
Eaton Vance Tax Mgd Global Eq Inc COM 27829F108 570 58,748 SH   SOLE   0 0 58,748
Adobe Systems Inc COM 00724F101 553 1,213 SH   SOLE   0 0 1,213
Vanguard Inter Govt Bond ETF COM 92206C706 548 8,703 SH   SOLE   0 0 8,703
Proctor & Gamble COM 742718109 543 3,552 SH   SOLE   0 0 3,552
Invesco 2023 HY Bulletshares COM 46138J858 536 21,889 SH   SOLE   0 0 21,889
Alphabet Inc Class C COM 02079K107 517 185 SH   SOLE   0 0 185
SPDR Mid Cap COM 78464A847 489 10,366 SH   SOLE   0 0 10,366
Costco Companies Inc. COM 22160K105 480 833 SH   SOLE   0 0 833
Intuitive Surgical Inc COM 46120E602 477 1,580 SH   SOLE   0 0 1,580
Verizon Communications COM 92343V104 464 9,107 SH   SOLE   0 0 9,107
Mondelez Intl Inc COM 609207105 464 7,388 SH   SOLE   0 0 7,388
Chevron Corp COM 166764100 454 2,791 SH   SOLE   0 0 2,791
Invesco S&P 500 Equal Weight ETF COM 46137V357 432 2,742 SH   SOLE   0 0 2,742
Applied Materials COM 038222105 424 3,218 SH   SOLE   0 0 3,218
Schwab Emerg Mkt Equity COM 808524706 412 14,824 SH   SOLE   0 0 14,824
Pacer Trendpilot US Bond ETF COM 69374H642 407 16,747 SH   SOLE   0 0 16,747
Invesco QQQ Trust COM 46090E103 404 1,114 SH   SOLE   0 0 1,114
Invesco Emer Mkts Sovereign Debt COM 46138E784 396 17,513 SH   SOLE   0 0 17,513
Schwab Intermediate Term Treasury COM 808524854 393 7,377 SH   SOLE   0 0 7,377
SPDR S&P Dividend COM 78464A763 374 2,918 SH   SOLE   0 0 2,918
Bank Of America Pfd E COM 060505815 357 15,925 SH   SOLE   0 0 15,925
Merck & Co. COM 58933Y105 348 4,243 SH   SOLE   0 0 4,243
Meta Platforms Inc. COM 30303M102 336 1,513 SH   SOLE   0 0 1,513
Vanguard Russell 1000 Value ETF COM 92206C714 325 4,461 SH   SOLE   0 0 4,461
Pepsico COM 713448108 321 1,920 SH   SOLE   0 0 1,920
Bank Of America Corp COM 060505104 316 7,655 SH   SOLE   0 0 7,655
Sempra Energy COM 816851109 311 1,850 SH   SOLE   0 0 1,850
Pfizer Inc. COM 717081103 302 5,836 SH   SOLE   0 0 5,836
Novozymes A/S Ord B COM K7317J133 293 4,250 SH   SOLE   0 0 4,250
Mastercard Inc COM 57636Q104 291 813 SH   SOLE   0 0 813
Ishares Trust Lehman Aggregate Bd Fd COM 464287226 271 2,534 SH   SOLE   0 0 2,534
iShares Dow Jones US Home Construction COM 464288752 243 4,102 SH   SOLE   0 0 4,102
Bristol-Myers Squibb COM 110122108 242 3,320 SH   SOLE   0 0 3,320
AT&T Corp. COM 00206R102 231 9,796 SH   SOLE   0 0 9,796
Coca-Cola Co. COM 191216100 226 3,642 SH   SOLE   0 0 3,642
IShares DJ Select Div Index Fd COM 464287168 220 1,715 SH   SOLE   0 0 1,715
General Electric Corp. COM 369604301 216 2,361 SH   SOLE   0 0 2,361
Cisco Systems COM 17275R102 214 3,834 SH   SOLE   0 0 3,834
Philip Morris Intl COM 718172109 213 2,263 SH   SOLE   0 0 2,263
Automatic Data Processing COM 053015103 212 933 SH   SOLE   0 0 933
Lowe's Companies COM 548661107 211 1,044 SH   SOLE   0 0 1,044
Boeing Corp. COM 097023105 201 1,048 SH   SOLE   0 0 1,048