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 ETF Common 922908769 6,772 29,747 SH   SOLE   28,747 0 1,000
Apple Common 037833100 6,569 37,623 SH   SOLE   37,623 0 0
Schwab US Broad Market ETF Common 808524102 4,315 80,819 SH   SOLE   80,819 0 0
Vanguard Index Small Cap ETF Common 922908751 4,087 19,233 SH   SOLE   19,233 0 0
Vanguard Mid Cap Index ETF Common 922908629 3,121 13,123 SH   SOLE   13,123 0 0
Novo Nordisk A/S ADR Fmly No Common 670100205 2,987 26,900 SH   SOLE   23,900 0 3,000
Microsoft Common 594918104 2,737 8,878 SH   SOLE   8,878 0 0
Vanguard Index Growth ETF Common 922908736 2,406 8,364 SH   SOLE   8,364 0 0
Pepsico Common 713448108 2,294 13,703 SH   SOLE   12,903 0 800
SPDR Utilities Select ETF Common 81369Y886 2,271 30,502 SH   SOLE   28,962 0 1,540
Stryker Common 863667101 2,201 8,231 SH   SOLE   7,431 0 800
Vaneck Vectors Fallen Common 92189F437 2,178 71,650 SH   SOLE   71,350 0 300
Johnson & Johnson Common 478160104 2,107 11,888 SH   SOLE   11,388 0 500
Procter & Gamble Common 742718109 2,074 13,575 SH   SOLE   12,925 0 650
Schwab Charles Corp New Common 808513105 2,018 23,941 SH   SOLE   23,941 0 0
Nextera Energy Common 65339F101 1,881 22,208 SH   SOLE   17,408 0 4,800
Abbott Laboratories Common 002824100 1,672 14,123 SH   SOLE   13,123 0 1,000
SPDR Materials Common 81369Y100 1,624 18,423 SH   SOLE   17,423 0 1,000
Vanguard FTSE All-World Ex-U Common 922042775 1,587 27,564 SH   SOLE   27,564 0 0
Caterpillar Common 149123101 1,475 6,621 SH   SOLE   6,021 0 600
Oracle Common 68389X105 1,473 17,800 SH   SOLE   13,800 0 4,000
SPDR Health Care Select Sctr ET Common 81369Y209 1,427 10,417 SH   SOLE   10,417 0 0
Vanguard Emerging Markets ETF Common 922042858 1,420 30,775 SH   SOLE   30,675 0 100
Vanguard Dividend Appreciation Common 921908844 1,298 8,004 SH   SOLE   7,874 0 130
Unitedhealth Group Inc Com Common 91324P102 1,266 2,482 SH   SOLE   2,482 0 0
Honeywell International Common 438516106 1,248 6,413 SH   SOLE   5,563 0 850
United Parcel Service Common 911312106 1,246 5,810 SH   SOLE   5,310 0 500
Illinois Tool Works Common 452308109 1,203 5,745 SH   SOLE   5,745 0 0
iShares Fallen Angels Common 46435G474 1,181 42,540 SH   SOLE   42,540 0 0
Lowe's Common 548661107 1,112 5,500 SH   SOLE   5,500 0 0
AbbVie Inc Com Common 00287Y109 1,070 6,600 SH   SOLE   5,600 0 1,000
Wal Mart Stores Common 931142103 1,046 7,022 SH   SOLE   6,922 0 100
Schwab International Equity ETF Common 808524805 1,020 27,781 SH   SOLE   27,781 0 0
Duke Energy Common 26441C105 999 8,951 SH   SOLE   8,379 0 572
Sysco Corporation Common 871829107 983 12,039 SH   SOLE   11,839 0 200
General Mills Common 370334104 974 14,379 SH   SOLE   12,379 0 2,000
CVS Caremark Corp Common 126650100 972 9,602 SH   SOLE   8,002 0 1,600
Vanguard Value ETF Common 922908744 961 6,500 SH   SOLE   6,500 0 0
Travelers Co. Common 89417E109 949 5,194 SH   SOLE   5,194 0 0
Schwab US Small Cap ETF Common 808524607 948 20,015 SH   SOLE   20,015 0 0
Amgen Common 031162100 906 3,745 SH   SOLE   3,270 0 475
Verizon Common 92343V104 901 17,693 SH   SOLE   16,248 0 1,445
Cisco Systems Common 17275R102 880 15,781 SH   SOLE   13,781 0 2,000
Amazon Com Inc Common 023135106 874 268 SH   SOLE   268 0 0
Union Pacific Corp Common 907818108 855 3,130 SH   SOLE   3,130 0 0
Starbucks Common 855244109 840 9,230 SH   SOLE   9,230 0 0
Applied Materials Common 038222105 834 6,331 SH   SOLE   5,331 0 1,000
SPDR High Yield Bond Common 78468R622 782 7,633 SH   SOLE   7,633 0 0
SPDR Energy Sector ETF Common 81369Y506 750 9,813 SH   SOLE   8,693 0 1,120
S & P Depository Receipts Common 78462F103 735 1,627 SH   SOLE   1,627 0 0
Google Inc Class C Class C 02079K107 726 260 SH   SOLE   260 0 0
Chevron Corp Common 166764100 677 4,160 SH   SOLE   2,960 0 1,200
Wells Fargo & Co Common 949746101 672 13,875 SH   SOLE   11,875 0 2,000
Schwab US Mid-Cap ETF Common 808524508 670 8,830 SH   SOLE   8,830 0 0
iShares Exponential Technology Common 46434V381 664 11,246 SH   SOLE   11,246 0 0
Intel Common 458140100 661 13,334 SH   SOLE   13,334 0 0
Cummins Inc Common 231021106 612 2,984 SH   SOLE   2,584 0 400
Vanguard REIT ETF Common 922908553 585 5,400 SH   SOLE   5,400 0 0
Cyber Security ETF Common 26924G201 565 9,630 SH   SOLE   9,630 0 0
SPDR Technology Sector ETF Common 81369Y803 544 3,420 SH   SOLE   3,420 0 0
Eastman Chemical Common 277432100 527 4,703 SH   SOLE   4,703 0 0
Schwab Emg Mkt Eq ETF Common 808524706 526 18,959 SH   SOLE   18,959 0 0
Automatic Data Processing Common 053015103 520 2,286 SH   SOLE   2,286 0 0
Qualcomm Common 747525103 515 3,370 SH   SOLE   2,170 0 1,200
Emerson Electric Common 291011104 504 5,141 SH   SOLE   5,141 0 0
Costco Wholesale Common 22160K105 495 859 SH   SOLE   859 0 0
iShares S&P US Preferred Stock Common 464288687 492 13,500 SH   SOLE   13,500 0 0
Bank of New York Co Common 064058100 483 9,740 SH   SOLE   9,140 0 600
iShares Dj US Home Const Common 464288752 463 7,805 SH   SOLE   7,805 0 0
Home Depot Common 437076102 450 1,505 SH   SOLE   1,105 0 400
Exxon Mobil Common 30231G102 450 5,450 SH   SOLE   5,450 0 0
Santa Cruz Cnty Bank Common 801827106 448 17,908 SH   SOLE   17,908 0 0
Invesco Preferred ETF Common 46138E511 426 31,400 SH   SOLE   31,400 0 0
JPMorgan & Co Common 46625H100 424 3,111 SH   SOLE   3,111 0 0
Berkshire Hathaway Inc Del Cl B Class B 084670702 388 1,100 SH   SOLE   1,100 0 0
International Business Machines Common 459200101 380 2,926 SH   SOLE   2,926 0 0
Medtronic Common G5960L103 370 3,338 SH   SOLE   3,064 0 274
Western Asset High Incm Common 42967Q105 362 80,875 SH   SOLE   75,875 0 5,000
SPDR Devlpd Ex-US ETF Common 78463X889 353 10,300 SH   SOLE   10,300 0 0
Invesco Emerging Markets Sovere Common 46138E784 344 15,200 SH   SOLE   15,200 0 0
Citigroup Common 172967424 336 6,296 SH   SOLE   6,296 0 0
Goldman Sachs Group Common 38141G104 326 988 SH   SOLE   988 0 0
iShares Emerging Markets ETF Common 464287234 308 6,815 SH   SOLE   6,815 0 0
iShares Russell Micro-Cap ETF Common 464288869 300 2,325 SH   SOLE   2,325 0 0
SPDR Financial Select Sector ET Common 81369Y605 295 7,700 SH   SOLE   7,700 0 0
Salesforce Com Common 79466L302 291 1,370 SH   SOLE   1,370 0 0
Nucor Corp Common 670346105 282 1,900 SH   SOLE   1,900 0 0
SPDR S&P Hi Yld Div Aristocrat Common 78464A763 269 2,100 SH   SOLE   2,100 0 0
Robo Global Robotics Common 301505707 268 4,600 SH   SOLE   4,600 0 0
Vanguard Index Mid-Cap Growth Common 922908538 267 1,200 SH   SOLE   1,200 0 0
Tesla Motors Inc Common 88160R101 264 245 SH   SOLE   245 0 0
SPDR Total Stock Mrk Common 78464A805 261 4,700 SH   SOLE   4,700 0 0
Wisdomtr Small Cap Earnings ET Common 97717W562 259 5,400 SH   SOLE   5,400 0 0
Vanguard Health Care ETF Common 92204A504 254 1,000 SH   SOLE   1,000 0 0
Vanguard Total World Common 922042742 248 2,450 SH   SOLE   2,450 0 0
SPDR Senior Loan ETF Common 78467V608 247 5,500 SH   SOLE   5,500 0 0
Invesco QQQ Trust Common 46090E103 247 681 SH   SOLE   681 0 0
Vanguard FTSE Developed Mkt E Common 921943858 245 5,100 SH   SOLE   5,100 0 0
iShars Kld 400 Social Idx Common 464288570 240 2,770 SH   SOLE   2,770 0 0
United Rentals Inc Common 911363109 236 665 SH   SOLE   665 0 0
Schwab Int'l Small Cap Common 808524888 232 6,100 SH   SOLE   6,100 0 0
Cognizant Tech Sol Cl A Class A 192446102 223 2,490 SH   SOLE   2,490 0 0
Vanguard Financials ETF Common 92204A405 217 2,325 SH   SOLE   2,325 0 0
Vanguard Ex US Small Cap Common 922042718 211 1,700 SH   SOLE   1,700 0 0
Mckesson Hboc Inc Common 58155Q103 209 684 SH   SOLE   684 0 0
Enbridge Inc. Common 29250N105 207 4,484 SH   SOLE   4,484 0 0
SPDR Gold Trust Common 78463V107 206 1,140 SH   SOLE   1,140 0 0
Quest Diagnostics Inc Com Common 74834L100 205 1,500 SH   SOLE   500 0 1,000
Target Common 87612E106 202 953 SH   SOLE   953 0 0
Brookfield Asset Mgmt Inc Com Common 10549P606 200 3,543 SH   SOLE   3,543 0 0
Odyssey Pictures Corp Common 676121106 0 13,171 SH   SOLE   13,171 0 0