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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Laboratories Common 002824100   1,435,285 13,073 SH   SOLE   13,073 0 0
AbbVie Inc Com Common 00287Y109   1,006,022 6,225 SH   SOLE   6,225 0 0
Amazon Com Inc Common 023135106   505,680 6,020 SH   SOLE   6,020 0 0
Amgen Common 031162100   931,059 3,545 SH   SOLE   3,545 0 0
Apple Common 037833100   4,608,012 35,465 SH   SOLE   35,465 0 0
Applied Materials Common 038222105   616,803 6,334 SH   SOLE   6,334 0 0
Automatic Data Processing Common 053015103   510,205 2,136 SH   SOLE   2,136 0 0
Bank of New York Co Common 064058100   370,533 8,140 SH   SOLE   8,140 0 0
Berkshire Hathaway Inc Del Cl Class B 084670702   333,612 1,080 SH   SOLE   1,080 0 0
Caterpillar Common 149123101   1,668,873 6,966 SH   SOLE   6,966 0 0
Chevron Corp Common 166764100   748,550 4,170 SH   SOLE   4,170 0 0
Cisco Systems Common 17275R102   747,281 15,686 SH   SOLE   15,686 0 0
Costco Wholesale Common 22160K105   378,439 829 SH   SOLE   829 0 0
Cummins Inc Common 231021106   819,877 3,384 SH   SOLE   3,384 0 0
CVS Caremark Corp Common 126650100   862,271 9,253 SH   SOLE   9,253 0 0
Cyber Security ETF Common 26924G201   397,331 9,020 SH   SOLE   9,020 0 0
Duke Energy Common 26441C105   868,000 8,428 SH   SOLE   8,428 0 0
Eastman Chemical Common 277432100   374,855 4,603 SH   SOLE   4,603 0 0
Emerson Electric Common 291011104   484,238 5,041 SH   SOLE   5,041 0 0
Exxon Mobil Common 30231G102   644,704 5,845 SH   SOLE   5,845 0 0
General Mills Common 370334104   1,228,734 14,654 SH   SOLE   14,654 0 0
Genuine Parts Common 372460105   225,563 1,300 SH   SOLE   1,300 0 0
Goldman Sachs Group Common 38141G104   346,547 1,009 SH   SOLE   1,009 0 0
Google Inc Class C Class C 02079K107   475,593 5,360 SH   SOLE   5,360 0 0
Home Depot Common 437076102   475,369 1,505 SH   SOLE   1,505 0 0
Honeywell International Common 438516106   1,331,446 6,213 SH   SOLE   6,213 0 0
Illinois Tool Works Common 452308109   1,309,684 5,945 SH   SOLE   5,945 0 0
Intel Common 458140100   307,865 11,648 SH   SOLE   11,648 0 0
International Business Machine Common 459200101   405,514 2,878 SH   SOLE   2,878 0 0
Invesco Preferred ETF Common 46138E511   320,866 28,700 SH   SOLE   28,700 0 0
Invesco QQQ Trust Common 46090E103   205,039 770 SH   SOLE   770 0 0
iShares Broad High Yield Common 46435U853   324,582 9,400 SH   SOLE   9,400 0 0
iShares Dj US Home Const Common 464288752   360,903 5,955 SH   SOLE   5,955 0 0
iShares Emerging Markets ETF Common 464287234   236,496 6,240 SH   SOLE   6,240 0 0
iShares Exponential Technology Common 46434V381   508,711 10,746 SH   SOLE   10,746 0 0
iShares Fallen Angels Common 46435G474   819,513 33,300 SH   SOLE   33,300 0 0
iShares Russell Micro-Cap ETF Common 464288869   250,705 2,325 SH   SOLE   2,325 0 0
iShares S&P US Preferred Stock Common 464288687   381,625 12,500 SH   SOLE   12,500 0 0
Johnson & Johnson Common 478160104   2,210,473 12,513 SH   SOLE   12,513 0 0
JPMorgan & Co Common 46625H100   272,089 2,029 SH   SOLE   2,029 0 0
Lowe's Common 548661107   996,200 5,000 SH   SOLE   5,000 0 0
Mckesson Hboc Inc Common 58155Q103   256,401 684 SH   SOLE   684 0 0
Medtronic Common G5960L103   237,979 3,062 SH   SOLE   3,062 0 0
Microsoft Common 594918104   2,025,737 8,447 SH   SOLE   8,447 0 0
Nextera Energy Common 65339F101   1,950,792 23,335 SH   SOLE   23,335 0 0
Novo Nordisk A/S ADR Fmly Novo Common 670100205   3,654,857 27,005 SH   SOLE   27,005 0 0
Nucor Corp Common 670346105   250,439 1,900 SH   SOLE   1,900 0 0
Oracle Common 68389X105   1,449,250 17,730 SH   SOLE   17,730 0 0
Pepsico Common 713448108   2,521,045 13,955 SH   SOLE   13,955 0 0
Procter & Gamble Common 742718109   1,927,985 12,721 SH   SOLE   12,721 0 0
Qualcomm Common 747525103   360,660 3,281 SH   SOLE   3,281 0 0
Quest Diagnostics Inc Com Common 74834L100   234,660 1,500 SH   SOLE   1,500 0 0
Robo Global Robotics Common 301505707   208,485 4,500 SH   SOLE   4,500 0 0
S & P Depository Receipts Common 78462F103   720,002 1,883 SH   SOLE   1,883 0 0
Santa Cruz Cnty Bank Common 801827106   448,597 17,908 SH   SOLE   17,908 0 0
Schwab Charles Corp New Common 808513105   1,975,098 23,722 SH   SOLE   23,722 0 0
Schwab Emg Mkt Eq ETF Common 808524706   458,459 19,369 SH   SOLE   19,369 0 0
Schwab International Equity ET Common 808524805   1,036,973 32,194 SH   SOLE   32,194 0 0
Schwab US Broad Market ETF Common 808524102   3,841,753 85,734 SH   SOLE   85,734 0 0
Schwab US Mid-Cap ETF Common 808524508   605,580 9,230 SH   SOLE   9,230 0 0
Schwab US Small Cap ETF Common 808524607   838,280 20,693 SH   SOLE   20,693 0 0
SPDR Energy Sector ETF Common 81369Y506   922,658 10,548 SH   SOLE   10,548 0 0
SPDR Financial Select Sector E Common 81369Y605   239,400 7,000 SH   SOLE   7,000 0 0
SPDR Health Care Select Sctr E Common 81369Y209   1,422,485 10,471 SH   SOLE   10,471 0 0
SPDR High Yield Bond Common 78468R622   423,000 4,700 SH   SOLE   4,700 0 0
SPDR Materials Common 81369Y100   1,384,491 17,823 SH   SOLE   17,823 0 0
SPDR S&P Hi Yld Div Aristocrat Common 78464A763   262,731 2,100 SH   SOLE   2,100 0 0
SPDR Technology Sector ETF Common 81369Y803   472,250 3,795 SH   SOLE   3,795 0 0
SPDR Total Stock Mrk Common 78464A805   226,992 4,800 SH   SOLE   4,800 0 0
SPDR Utilities Select ETF Common 81369Y886   2,090,564 29,653 SH   SOLE   29,653 0 0
Starbucks Common 855244109   907,793 9,151 SH   SOLE   9,151 0 0
Stryker Common 863667101   2,082,077 8,516 SH   SOLE   8,516 0 0
Sysco Corporation Common 871829107   824,513 10,785 SH   SOLE   10,785 0 0
Travelers Co. Common 89417E109   672,714 3,588 SH   SOLE   3,588 0 0
Union Pacific Corp Common 907818108   679,292 3,280 SH   SOLE   3,280 0 0
United Parcel Service Common 911312106   1,004,795 5,780 SH   SOLE   5,780 0 0
United Rentals Inc Common 911363109   218,228 614 SH   SOLE   614 0 0
Unitedhealth Group Inc Com Common 91324P102   1,302,652 2,457 SH   SOLE   2,457 0 0
Vaneck Vectors Fallen Common 92189F437   994,336 36,800 SH   SOLE   36,800 0 0
Vanguard Dividend Appreciation Common 921908844   1,948,705 12,833 SH   SOLE   12,833 0 0
Vanguard Emerging Markets ETF Common 922042858   1,094,808 28,086 SH   SOLE   28,086 0 0
Vanguard Energy ETF Common 92204A306   200,112 1,650 SH   SOLE   1,650 0 0
Vanguard FTSE All-World Ex-US Common 922042775   2,169,165 43,262 SH   SOLE   43,262 0 0
Vanguard FTSE Developed Mkt ET Common 921943858   402,912 9,600 SH   SOLE   9,600 0 0
Vanguard Health Care ETF Common 92204A504   248,050 1,000 SH   SOLE   1,000 0 0
Vanguard Index Growth ETF Common 922908736   1,612,323 7,566 SH   SOLE   7,566 0 0
Vanguard Index Mid-Cap Growth Common 922908538   215,712 1,200 SH   SOLE   1,200 0 0
Vanguard Index Small Cap ETF Common 922908751   3,486,782 18,997 SH   SOLE   18,997 0 0
Vanguard Mid Cap Index ETF Common 922908629   2,687,414 13,186 SH   SOLE   13,186 0 0
Vanguard REIT ETF Common 922908553   412,400 5,000 SH   SOLE   5,000 0 0
Vanguard Total Stock Mkt ETF Common 922908769   5,514,474 28,843 SH   SOLE   28,843 0 0
Vanguard Total World Common 922042742   323,213 3,750 SH   SOLE   3,750 0 0
Vanguard Value ETF Common 922908744   2,193,713 15,628 SH   SOLE   15,628 0 0
Verizon Common 92343V104   628,850 15,961 SH   SOLE   15,961 0 0
Wal Mart Stores Common 931142103   929,667 6,557 SH   SOLE   6,557 0 0
Wells Fargo & Co Common 949746101   572,879 13,875 SH   SOLE   13,875 0 0
Western Asset High Incm Common 42967Q105   238,185 60,300 SH   SOLE   60,300 0 0
Wisdomtr Small Cap Earnings ET Common 97717W562   229,986 5,400 SH   SOLE   5,400 0 0