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   1,450,947 13,309 SH   SOLE   13,309 0 0
AbbVie Inc Com Common 00287Y109   873,455 6,483 SH   SOLE   6,483 0 0
Amazon Com Inc Common 023135106   840,822 6,450 SH   SOLE   6,450 0 0
Amgen Common 031162100   789,281 3,555 SH   SOLE   3,555 0 0
Apple Common 037833100   7,125,754 36,736 SH   SOLE   36,736 0 0
Applied Materials Common 038222105   912,623 6,314 SH   SOLE   6,314 0 0
Automatic Data Processing Common 053015103   469,471 2,136 SH   SOLE   2,136 0 0
Bank of New York Co Common 064058100   331,229 7,440 SH   SOLE   7,440 0 0
Berkshire Hathaway Inc Del Cl Class B 084670702   373,395 1,095 SH   SOLE   1,095 0 0
Brookfield Corp Common 11271J107   119,222 3,543 SH   SOLE   3,543 0 0
Caterpillar Common 149123101   1,717,776 6,981 SH   SOLE   6,981 0 0
Chevron Corp Common 166764100   645,652 4,103 SH   SOLE   4,103 0 0
Cisco Systems Common 17275R102   810,404 15,663 SH   SOLE   15,663 0 0
Costco Wholesale Common 22160K105   441,472 820 SH   SOLE   820 0 0
Cummins Inc Common 231021106   829,589 3,384 SH   SOLE   3,384 0 0
CVS Caremark Corp Common 126650100   637,961 9,228 SH   SOLE   9,228 0 0
Cyber Security ETF Common 26924G201   401,858 7,945 SH   SOLE   7,945 0 0
Duke Energy Common 26441C105   747,355 8,328 SH   SOLE   8,328 0 0
Eastman Chemical Common 277432100   385,349 4,603 SH   SOLE   4,603 0 0
Emerson Electric Common 291011104   468,582 5,184 SH   SOLE   5,184 0 0
Exxon Mobil Common 30231G102   590,411 5,505 SH   SOLE   5,505 0 0
General Mills Common 370334104   1,101,715 14,364 SH   SOLE   14,364 0 0
Genuine Parts Common 372460105   219,999 1,300 SH   SOLE   1,300 0 0
Goldman Sachs Group Common 38141G104   329,047 1,020 SH   SOLE   1,020 0 0
Google Inc Class C Class C 02079K107   618,157 5,110 SH   SOLE   5,110 0 0
Home Depot Common 437076102   450,428 1,450 SH   SOLE   1,450 0 0
Honeywell International Common 438516106   1,294,593 6,239 SH   SOLE   6,239 0 0
Illinois Tool Works Common 452308109   1,525,976 6,100 SH   SOLE   6,100 0 0
Industrial Select Sector SPDR Common 81369Y704   137,370 1,280 SH   SOLE   1,280 0 0
Intel Common 458140100   301,134 9,005 SH   SOLE   9,005 0 0
International Business Machine Common 459200101   388,080 2,900 SH   SOLE   2,900 0 0
Invesco Preferred ETF Common 46138E511   295,620 26,000 SH   SOLE   26,000 0 0
Invesco QQQ Trust Common 46090E103   253,792 687 SH   SOLE   687 0 0
iShares Broad High Yield Common 46435U853   331,820 9,400 SH   SOLE   9,400 0 0
iShares Core Europe ETF Common 46434V738   121,049 2,300 SH   SOLE   2,300 0 0
iShares Dj US Home Const Common 464288752   502,814 5,885 SH   SOLE   5,885 0 0
iShares Emerging Markets ETF Common 464287234   246,854 6,240 SH   SOLE   6,240 0 0
iShares Exponential Technology Common 46434V381   597,475 10,746 SH   SOLE   10,746 0 0
iShares Fallen Angels Common 46435G474   794,081 31,300 SH   SOLE   31,300 0 0
iShares Russell Micro-Cap ETF Common 464288869   254,123 2,325 SH   SOLE   2,325 0 0
iShares S&P US Preferred Stock Common 464288687   337,137 10,900 SH   SOLE   10,900 0 0
iShars Kld 400 Social Idx Common 464288570   233,151 2,770 SH   SOLE   2,770 0 0
Johnson & Johnson Common 478160104   2,025,848 12,239 SH   SOLE   12,239 0 0
JPMorgan & Co Common 46625H100   340,350 2,340 SH   SOLE   2,340 0 0
Lamb Weston Holdings Common 513272104   211,278 1,838 SH   SOLE   1,838 0 0
Lowe's Common 548661107   1,165,741 5,165 SH   SOLE   5,165 0 0
Mckesson Hboc Inc Common 58155Q103   292,074 684 SH   SOLE   684 0 0
Medtronic Common G5960L103   260,952 2,962 SH   SOLE   2,962 0 0
Microsoft Common 594918104   2,905,611 8,532 SH   SOLE   8,532 0 0
Nextera Energy Common 65339F101   1,720,780 23,191 SH   SOLE   23,191 0 0
Novo Nordisk A/S ADR Fmly Novo Common 670100205   4,496,123 27,783 SH   SOLE   27,783 0 0
Nucor Corp Common 670346105   262,368 1,600 SH   SOLE   1,600 0 0
Oracle Common 68389X105   2,088,839 17,540 SH   SOLE   17,540 0 0
Pepsico Common 713448108   2,546,909 13,751 SH   SOLE   13,751 0 0
Procter & Gamble Common 742718109   1,934,627 12,750 SH   SOLE   12,750 0 0
Qualcomm Common 747525103   487,665 4,097 SH   SOLE   4,097 0 0
Quest Diagnostics Inc Com Common 74834L100   210,840 1,500 SH   SOLE   1,500 0 0
Robo Global Robotics Common 301505707   263,520 4,500 SH   SOLE   4,500 0 0
S & P Depository Receipts Common 78462F103   814,053 1,836 SH   SOLE   1,836 0 0
Salesforce Com Common 79466L302   279,920 1,325 SH   SOLE   1,325 0 0
Santa Cruz Cnty Bank Common 801827106   456,654 17,908 SH   SOLE   17,908 0 0
Schwab Charles Corp New Common 808513105   1,297,988 22,900 SH   SOLE   22,900 0 0
Schwab Emg Mkt Eq ETF Common 808524706   477,100 19,371 SH   SOLE   19,371 0 0
Schwab International Equity ET Common 808524805   1,133,658 31,800 SH   SOLE   31,800 0 0
Schwab Int'l Small Cap Common 808524888   202,620 6,000 SH   SOLE   6,000 0 0
Schwab US Broad Market ETF Common 808524102   4,353,528 84,208 SH   SOLE   84,208 0 0
Schwab US Large-Cap ETF Common 808524201   148,453 2,835 SH   SOLE   2,835 0 0
Schwab US Mid-Cap ETF Common 808524508   655,607 9,230 SH   SOLE   9,230 0 0
Schwab US Small Cap ETF Common 808524607   893,427 20,398 SH   SOLE   20,398 0 0
Sensory Science Common 92204A108   345,221 1,219 SH   SOLE   1,219 0 0
SPDR Devlpd Ex-US ETF Common 78463X889   152,938 4,700 SH   SOLE   4,700 0 0
SPDR Energy Sector ETF Common 81369Y506   990,201 12,199 SH   SOLE   12,199 0 0
SPDR Financial Select Sector E Common 81369Y605   219,115 6,500 SH   SOLE   6,500 0 0
SPDR Gold Trust Common 78463V107   143,507 805 SH   SOLE   805 0 0
SPDR Health Care Select Sctr E Common 81369Y209   1,414,371 10,656 SH   SOLE   10,656 0 0
SPDR High Yield Bond Common 78468R622   381,925 4,150 SH   SOLE   4,150 0 0
SPDR Materials Common 81369Y100   1,436,386 17,333 SH   SOLE   17,333 0 0
SPDR S&P Hi Yld Div Aristocrat Common 78464A763   257,418 2,100 SH   SOLE   2,100 0 0
SPDR Small Cap Index Common 78468R853   143,708 3,700 SH   SOLE   3,700 0 0
SPDR Technology Sector ETF Common 81369Y803   698,743 4,019 SH   SOLE   4,019 0 0
SPDR Total Stock Mrk Common 78464A805   261,312 4,800 SH   SOLE   4,800 0 0
SPDR Utilities Select ETF Common 81369Y886   2,178,218 33,286 SH   SOLE   33,286 0 0
Starbucks Common 855244109   879,058 8,874 SH   SOLE   8,874 0 0
Stryker Common 863667101   2,661,910 8,725 SH   SOLE   8,725 0 0
Sysco Corporation Common 871829107   815,458 10,990 SH   SOLE   10,990 0 0
Travelers Co. Common 89417E109   588,360 3,388 SH   SOLE   3,388 0 0
Union Pacific Corp Common 907818108   683,123 3,338 SH   SOLE   3,338 0 0
United Parcel Service Common 911312106   1,035,348 5,776 SH   SOLE   5,776 0 0
United Rentals Inc Common 911363109   273,457 614 SH   SOLE   614 0 0
Unitedhealth Group Inc Com Common 91324P102   1,208,353 2,514 SH   SOLE   2,514 0 0
Vaneck Vectors Fallen Common 92189F437   974,727 35,100 SH   SOLE   35,100 0 0
Vanguard Consumer Staples ETF Common 92204A207   568,377 2,923 SH   SOLE   2,923 0 0
Vanguard Dividend Appreciation Common 921908844   2,009,951 12,374 SH   SOLE   12,374 0 0
Vanguard Emerging Markets ETF Common 922042858   1,090,484 26,806 SH   SOLE   26,806 0 0
Vanguard FTSE All-World Ex-US Common 922042775   2,626,773 48,277 SH   SOLE   48,277 0 0
Vanguard FTSE Developed Mkt ET Common 921943858   549,542 11,900 SH   SOLE   11,900 0 0
Vanguard Health Care ETF Common 92204A504   244,820 1,000 SH   SOLE   1,000 0 0
Vanguard Index Growth ETF Common 922908736   2,183,474 7,717 SH   SOLE   7,717 0 0
Vanguard Index Mid-Cap Growth Common 922908538   246,924 1,200 SH   SOLE   1,200 0 0
Vanguard Index Small Cap ETF Common 922908751   3,848,003 19,347 SH   SOLE   19,347 0 0
Vanguard Information Technolog Common 92204A702   607,970 1,375 SH   SOLE   1,375 0 0
Vanguard Materials Common 92204A801   132,838 730 SH   SOLE   730 0 0
Vanguard Mid Cap Index ETF Common 922908629   3,087,937 14,026 SH   SOLE   14,026 0 0
Vanguard REIT ETF Common 922908553   409,444 4,900 SH   SOLE   4,900 0 0
Vanguard Total Stock Mkt ETF Common 922908769   7,306,608 33,170 SH   SOLE   33,170 0 0
Vanguard Total World Common 922042742   298,698 3,080 SH   SOLE   3,080 0 0
Vanguard Value ETF Common 922908744   2,196,867 15,460 SH   SOLE   15,460 0 0
Verizon Common 92343V104   552,904 14,867 SH   SOLE   14,867 0 0
Wal Mart Stores Common 931142103   1,064,367 6,772 SH   SOLE   6,772 0 0
Wells Fargo & Co Common 949746101   571,678 13,395 SH   SOLE   13,395 0 0
Western Asset High Incm Common 95766K109   153,090 40,500 SH   SOLE   40,500 0 0
Wisdomtr Small Cap Earnings ET Common 97717W562   241,974 5,400 SH   SOLE   5,400 0 0