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   1,347,669 13,309 SH   SOLE   13,309 0 0
AbbVie Inc Com Common 00287Y109   1,033,196 6,483 SH   SOLE   6,483 0 0
Amazon Com Inc Common 023135106   666,221 6,450 SH   SOLE   6,450 0 0
Amgen Common 031162100   859,421 3,555 SH   SOLE   3,555 0 0
Apple Common 037833100   6,062,352 36,764 SH   SOLE   36,764 0 0
Applied Materials Common 038222105   775,546 6,314 SH   SOLE   6,314 0 0
Automatic Data Processing Common 053015103   475,538 2,136 SH   SOLE   2,136 0 0
Bank of New York Co Common 064058100   369,882 8,140 SH   SOLE   8,140 0 0
Berkshire Hathaway Inc Del Cl Class B 084670702   338,103 1,095 SH   SOLE   1,095 0 0
Caterpillar Common 149123101   1,597,626 6,981 SH   SOLE   6,981 0 0
Chevron Corp Common 166764100   684,961 4,198 SH   SOLE   4,198 0 0
Cisco Systems Common 17275R102   818,783 15,663 SH   SOLE   15,663 0 0
Costco Wholesale Common 22160K105   411,905 829 SH   SOLE   829 0 0
Cummins Inc Common 231021106   808,338 3,384 SH   SOLE   3,384 0 0
CVS Caremark Corp Common 126650100   685,747 9,228 SH   SOLE   9,228 0 0
Cyber Security ETF Common 26924G201   393,080 8,220 SH   SOLE   8,220 0 0
Duke Energy Common 26441C105   813,049 8,428 SH   SOLE   8,428 0 0
Eastman Chemical Common 277432100   388,203 4,603 SH   SOLE   4,603 0 0
Emerson Electric Common 291011104   451,734 5,184 SH   SOLE   5,184 0 0
Exxon Mobil Common 30231G102   620,127 5,655 SH   SOLE   5,655 0 0
General Mills Common 370334104   1,254,891 14,684 SH   SOLE   14,684 0 0
Genuine Parts Common 372460105   217,503 1,300 SH   SOLE   1,300 0 0
Goldman Sachs Group Common 38141G104   333,553 1,020 SH   SOLE   1,020 0 0
Google Inc Class C Class C 02079K107   531,440 5,110 SH   SOLE   5,110 0 0
Home Depot Common 437076102   427,924 1,450 SH   SOLE   1,450 0 0
Honeywell International Common 438516106   1,192,398 6,239 SH   SOLE   6,239 0 0
Illinois Tool Works Common 452308109   1,485,045 6,100 SH   SOLE   6,100 0 0
Intel Common 458140100   300,632 9,202 SH   SOLE   9,202 0 0
International Business Machine Common 459200101   380,192 2,900 SH   SOLE   2,900 0 0
Invesco Preferred ETF Common 46138E511   309,960 27,000 SH   SOLE   27,000 0 0
Invesco QQQ Trust Common 46090E103   247,257 770 SH   SOLE   770 0 0
iShares Broad High Yield Common 46435U853   334,170 9,400 SH   SOLE   9,400 0 0
iShares Dj US Home Const Common 464288752   411,548 5,855 SH   SOLE   5,855 0 0
iShares Emerging Markets ETF Common 464287234   246,230 6,240 SH   SOLE   6,240 0 0
iShares Exponential Technology Common 46434V381   566,309 10,746 SH   SOLE   10,746 0 0
iShares Fallen Angels Common 46435G474   808,640 32,000 SH   SOLE   32,000 0 0
iShares Russell Micro-Cap ETF Common 464288869   242,986 2,325 SH   SOLE   2,325 0 0
iShares S&P US Preferred Stock Common 464288687   377,762 12,100 SH   SOLE   12,100 0 0
iShars Kld 400 Social Idx Common 464288570   216,032 2,770 SH   SOLE   2,770 0 0
Johnson & Johnson Common 478160104   1,928,865 12,444 SH   SOLE   12,444 0 0
JPMorgan & Co Common 46625H100   304,925 2,340 SH   SOLE   2,340 0 0
Lowe's Common 548661107   1,037,844 5,190 SH   SOLE   5,190 0 0
Mckesson Hboc Inc Common 58155Q103   243,366 684 SH   SOLE   684 0 0
Medtronic Common G5960L103   238,796 2,962 SH   SOLE   2,962 0 0
Microsoft Common 594918104   2,480,004 8,602 SH   SOLE   8,602 0 0
Nextera Energy Common 65339F101   1,787,521 23,190 SH   SOLE   23,190 0 0
Novo Nordisk A/S ADR Fmly Novo Common 670100205   4,403,086 27,668 SH   SOLE   27,668 0 0
Nucor Corp Common 670346105   247,152 1,600 SH   SOLE   1,600 0 0
Oracle Common 68389X105   1,647,472 17,730 SH   SOLE   17,730 0 0
Pepsico Common 713448108   2,529,445 13,875 SH   SOLE   13,875 0 0
Procter & Gamble Common 742718109   1,895,692 12,749 SH   SOLE   12,749 0 0
Qualcomm Common 747525103   522,569 4,096 SH   SOLE   4,096 0 0
Quest Diagnostics Inc Com Common 74834L100   212,220 1,500 SH   SOLE   1,500 0 0
Robo Global Robotics Common 301505707   246,240 4,500 SH   SOLE   4,500 0 0
S & P Depository Receipts Common 78462F103   753,729 1,841 SH   SOLE   1,841 0 0
Salesforce Com Common 79466L302   264,709 1,325 SH   SOLE   1,325 0 0
Santa Cruz Cnty Bank Common 801827106   436,060 17,908 SH   SOLE   17,908 0 0
Schwab Charles Corp New Common 808513105   1,199,504 22,900 SH   SOLE   22,900 0 0
Schwab Emg Mkt Eq ETF Common 808524706   474,923 19,369 SH   SOLE   19,369 0 0
Schwab International Equity ET Common 808524805   1,106,436 31,794 SH   SOLE   31,794 0 0
Schwab Int'l Small Cap Common 808524888   202,260 6,000 SH   SOLE   6,000 0 0
Schwab US Broad Market ETF Common 808524102   4,031,716 84,257 SH   SOLE   84,257 0 0
Schwab US Mid-Cap ETF Common 808524508   626,256 9,230 SH   SOLE   9,230 0 0
Schwab US Small Cap ETF Common 808524607   867,761 20,695 SH   SOLE   20,695 0 0
Sensory Science Common 92204A108   307,858 1,219 SH   SOLE   1,219 0 0
SPDR Energy Sector ETF Common 81369Y506   1,033,612 12,479 SH   SOLE   12,479 0 0
SPDR Financial Select Sector E Common 81369Y605   225,050 7,000 SH   SOLE   7,000 0 0
SPDR Health Care Select Sctr E Common 81369Y209   1,385,999 10,706 SH   SOLE   10,706 0 0
SPDR High Yield Bond Common 78468R622   399,126 4,300 SH   SOLE   4,300 0 0
SPDR Materials Common 81369Y100   1,429,537 17,723 SH   SOLE   17,723 0 0
SPDR S&P Hi Yld Div Aristocrat Common 78464A763   259,791 2,100 SH   SOLE   2,100 0 0
SPDR Technology Sector ETF Common 81369Y803   588,184 3,895 SH   SOLE   3,895 0 0
SPDR Total Stock Mrk Common 78464A805   242,064 4,800 SH   SOLE   4,800 0 0
SPDR Utilities Select ETF Common 81369Y886   2,273,159 33,582 SH   SOLE   33,582 0 0
Starbucks Common 855244109   924,050 8,874 SH   SOLE   8,874 0 0
Stryker Common 863667101   2,477,023 8,677 SH   SOLE   8,677 0 0
Sysco Corporation Common 871829107   848,758 10,990 SH   SOLE   10,990 0 0
Travelers Co. Common 89417E109   580,737 3,388 SH   SOLE   3,388 0 0
Union Pacific Corp Common 907818108   688,006 3,418 SH   SOLE   3,418 0 0
United Parcel Service Common 911312106   1,125,336 5,801 SH   SOLE   5,801 0 0
United Rentals Inc Common 911363109   242,997 614 SH   SOLE   614 0 0
Unitedhealth Group Inc Com Common 91324P102   1,207,000 2,554 SH   SOLE   2,554 0 0
Vaneck Vectors Fallen Common 92189F437   983,502 35,100 SH   SOLE   35,100 0 0
Vanguard Consumer Staples ETF Common 92204A207   565,659 2,923 SH   SOLE   2,923 0 0
Vanguard Dividend Appreciation Common 921908844   1,913,461 12,424 SH   SOLE   12,424 0 0
Vanguard Emerging Markets ETF Common 922042858   1,103,178 27,306 SH   SOLE   27,306 0 0
Vanguard FTSE All-World Ex-US Common 922042775   2,446,915 45,762 SH   SOLE   45,762 0 0
Vanguard FTSE Developed Mkt ET Common 921943858   442,666 9,800 SH   SOLE   9,800 0 0
Vanguard Health Care ETF Common 92204A504   238,460 1,000 SH   SOLE   1,000 0 0
Vanguard Index Growth ETF Common 922908736   1,924,717 7,716 SH   SOLE   7,716 0 0
Vanguard Index Mid-Cap Growth Common 922908538   233,868 1,200 SH   SOLE   1,200 0 0
Vanguard Index Small Cap ETF Common 922908751   3,743,316 19,747 SH   SOLE   19,747 0 0
Vanguard Information Technolog Common 92204A702   530,021 1,375 SH   SOLE   1,375 0 0
Vanguard Mid Cap Index ETF Common 922908629   2,935,137 13,916 SH   SOLE   13,916 0 0
Vanguard REIT ETF Common 922908553   406,896 4,900 SH   SOLE   4,900 0 0
Vanguard Total Stock Mkt ETF Common 922908769   6,125,506 30,012 SH   SOLE   30,012 0 0
Vanguard Total World Common 922042742   315,869 3,430 SH   SOLE   3,430 0 0
Vanguard Value ETF Common 922908744   2,179,238 15,779 SH   SOLE   15,779 0 0
Verizon Common 92343V104   606,542 15,596 SH   SOLE   15,596 0 0
Wal Mart Stores Common 931142103   999,069 6,776 SH   SOLE   6,776 0 0
Wells Fargo & Co Common 949746101   521,246 13,945 SH   SOLE   13,945 0 0
Western Asset High Incm Common 95766K109   177,165 46,500 SH   SOLE   46,500 0 0
Wisdomtr Small Cap Earnings ET Common 97717W562   233,388 5,400 SH   SOLE   5,400 0 0