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
Vanguard Total Stock Mkt ETF Common 922908769   6,895,041 32,461 SH   SOLE   32,461 0 0
Apple Common 037833100   6,325,193 36,944 SH   SOLE   36,944 0 0
Novo Nordisk A/S ADR Fmly Novo Common 670100205   5,111,374 56,206 SH   SOLE   56,206 0 0
Schwab US Broad Market ETF Common 808524102   4,261,359 85,484 SH   SOLE   85,484 0 0
Vanguard Index Small Cap ETF Common 922908751   3,620,198 19,147 SH   SOLE   19,147 0 0
Vanguard Mid Cap Index ETF Common 922908629   2,899,925 13,926 SH   SOLE   13,926 0 0
Microsoft Common 594918104   2,664,160 8,438 SH   SOLE   8,438 0 0
Vanguard FTSE All-World Ex-US Common 922042775   2,585,853 49,853 SH   SOLE   49,853 0 0
Stryker Common 863667101   2,484,024 9,090 SH   SOLE   9,090 0 0
Pepsico Common 713448108   2,307,995 13,621 SH   SOLE   13,621 0 0
Vanguard Value ETF Common 922908744   2,130,467 15,446 SH   SOLE   15,446 0 0
Vanguard Index Growth ETF Common 922908736   2,098,667 7,707 SH   SOLE   7,707 0 0
Vanguard Dividend Appreciation Common 921908844   1,962,670 12,631 SH   SOLE   12,631 0 0
SPDR Utilities Select ETF Common 81369Y886   1,961,755 33,290 SH   SOLE   33,290 0 0
Procter & Gamble Common 742718109   1,910,758 13,100 SH   SOLE   13,100 0 0
Caterpillar Common 149123101   1,905,925 6,981 SH   SOLE   6,981 0 0
Johnson & Johnson Common 478160104   1,902,843 12,217 SH   SOLE   12,217 0 0
Oracle Common 68389X105   1,847,245 17,440 SH   SOLE   17,440 0 0
SPDR Health Care Select Sctr E Common 81369Y209   1,451,544 11,275 SH   SOLE   11,275 0 0
SPDR Materials Common 81369Y100   1,412,565 17,983 SH   SOLE   17,983 0 0
Illinois Tool Works Common 452308109   1,404,891 6,100 SH   SOLE   6,100 0 0
Unitedhealth Group Inc Com Common 91324P102   1,305,393 2,589 SH   SOLE   2,589 0 0
Abbott Laboratories Common 002824100   1,279,292 13,209 SH   SOLE   13,209 0 0
Nextera Energy Common 65339F101   1,265,640 22,092 SH   SOLE   22,092 0 0
Schwab Charles Corp New Common 808513105   1,257,237 22,900 SH   SOLE   22,900 0 0
Honeywell International Common 438516106   1,152,593 6,239 SH   SOLE   6,239 0 0
SPDR Energy Sector ETF Common 81369Y506   1,102,705 12,199 SH   SOLE   12,199 0 0
Wal Mart Stores Common 931142103   1,098,983 6,872 SH   SOLE   6,872 0 0
Schwab International Equity ET Common 808524805   1,083,313 31,900 SH   SOLE   31,900 0 0
Lowe's Common 548661107   1,063,102 5,115 SH   SOLE   5,115 0 0
Vanguard Emerging Markets ETF Common 922042858   1,027,553 26,206 SH   SOLE   26,206 0 0
Amgen Common 031162100   957,592 3,563 SH   SOLE   3,563 0 0
AbbVie Inc Com Common 00287Y109   951,450 6,383 SH   SOLE   6,383 0 0
Vaneck Vectors Fallen Common 92189F437   949,806 35,100 SH   SOLE   35,100 0 0
General Mills Common 370334104   909,551 14,214 SH   SOLE   14,214 0 0
United Parcel Service Common 911312106   900,305 5,776 SH   SOLE   5,776 0 0
Applied Materials Common 038222105   874,170 6,314 SH   SOLE   6,314 0 0
Schwab US Small Cap ETF Common 808524607   853,271 20,600 SH   SOLE   20,600 0 0
Cisco Systems Common 17275R102   842,043 15,663 SH   SOLE   15,663 0 0
Amazon Com Inc Common 023135106   819,924 6,450 SH   SOLE   6,450 0 0
Starbucks Common 855244109   809,930 8,874 SH   SOLE   8,874 0 0
S & P Depository Receipts Common 78462F103   783,041 1,832 SH   SOLE   1,832 0 0
iShares Fallen Angels Common 46435G474   776,240 31,300 SH   SOLE   31,300 0 0
Cummins Inc Common 231021106   770,565 3,373 SH   SOLE   3,373 0 0
SPDR Technology Sector ETF Common 81369Y803   743,259 4,534 SH   SOLE   4,534 0 0
Duke Energy Common 26441C105   731,499 8,288 SH   SOLE   8,288 0 0
Sysco Corporation Common 871829107   725,890 10,990 SH   SOLE   10,990 0 0
Chevron Corp Common 166764100   691,927 4,103 SH   SOLE   4,103 0 0
Union Pacific Corp Common 907818108   679,818 3,338 SH   SOLE   3,338 0 0
Google Inc Class C Class C 02079K107   673,754 5,110 SH   SOLE   5,110 0 0
Exxon Mobil Common 30231G102   647,278 5,505 SH   SOLE   5,505 0 0
CVS Caremark Corp Common 126650100   644,344 9,229 SH   SOLE   9,229 0 0
Schwab US Mid-Cap ETF Common 808524508   631,454 9,330 SH   SOLE   9,330 0 0
Vanguard Information Technolog Common 92204A702   570,488 1,375 SH   SOLE   1,375 0 0
iShares Exponential Technology Common 46434V381   561,046 10,746 SH   SOLE   10,746 0 0
Travelers Co. Common 89417E109   553,294 3,388 SH   SOLE   3,388 0 0
Wells Fargo & Co Common 949746101   539,128 13,195 SH   SOLE   13,195 0 0
Vanguard Consumer Staples ETF Common 92204A207   533,944 2,923 SH   SOLE   2,923 0 0
Automatic Data Processing Common 053015103   513,879 2,136 SH   SOLE   2,136 0 0
Emerson Electric Common 291011104   500,619 5,184 SH   SOLE   5,184 0 0
Schwab Emg Mkt Eq ETF Common 808524706   463,735 19,371 SH   SOLE   19,371 0 0
Costco Wholesale Common 22160K105   463,267 820 SH   SOLE   820 0 0
Verizon Common 92343V104   463,042 14,287 SH   SOLE   14,287 0 0
iShares Dj US Home Const Common 464288752   461,914 5,885 SH   SOLE   5,885 0 0
Santa Cruz Cnty Bank Common 801827106   455,759 17,908 SH   SOLE   17,908 0 0
Qualcomm Common 747525103   455,049 4,097 SH   SOLE   4,097 0 0
Home Depot Common 437076102   438,132 1,450 SH   SOLE   1,450 0 0
Vanguard FTSE Developed Mkt ET Common 921943858   428,456 9,800 SH   SOLE   9,800 0 0
Berkshire Hathaway Inc Del Cl Class B 084670702   383,579 1,095 SH   SOLE   1,095 0 0
Cyber Security ETF Common 26924G201   381,582 7,395 SH   SOLE   7,395 0 0
Sensory Science Common 92204A108   376,849 1,399 SH   SOLE   1,399 0 0
Vanguard Total World Common 922042742   375,515 4,030 SH   SOLE   4,030 0 0
SPDR High Yield Bond Common 78468R622   375,160 4,150 SH   SOLE   4,150 0 0
International Business Machine Common 459200101   364,813 2,600 SH   SOLE   2,600 0 0
Vanguard REIT ETF Common 922908553   363,168 4,800 SH   SOLE   4,800 0 0
Eastman Chemical Common 277432100   353,129 4,603 SH   SOLE   4,603 0 0
JPMorgan & Co Common 46625H100   339,386 2,340 SH   SOLE   2,340 0 0
Goldman Sachs Group Common 38141G104   330,268 1,021 SH   SOLE   1,021 0 0
iShares S&P US Preferred Stock Common 464288687   328,635 10,900 SH   SOLE   10,900 0 0
iShares Broad High Yield Common 46435U853   326,274 9,400 SH   SOLE   9,400 0 0
Intel Common 458140100   320,228 9,008 SH   SOLE   9,008 0 0
Bank of New York Co Common 064058100   298,124 6,990 SH   SOLE   6,990 0 0
Mckesson Hboc Inc Common 58155Q103   297,227 684 SH   SOLE   684 0 0
Invesco Preferred ETF Common 46138E511   284,700 26,000 SH   SOLE   26,000 0 0
United Rentals Inc Common 911363109   272,966 614 SH   SOLE   614 0 0
Salesforce Com Common 79466L302   268,684 1,325 SH   SOLE   1,325 0 0
SPDR Total Stock Mrk Common 78464A805   251,952 4,800 SH   SOLE   4,800 0 0
SPDR Portfolio S&P 500 ETF Common 78464A854   251,300 5,000 SH   SOLE   5,000 0 0
SPDR S&P Hi Yld Div Aristocrat Common 78464A763   241,521 2,100 SH   SOLE   2,100 0 0
iShares Emerging Markets ETF Common 464287234   239,085 6,300 SH   SOLE   6,300 0 0
Invesco QQQ Trust Common 46090E103   237,252 662 SH   SOLE   662 0 0
Vanguard Health Care ETF Common 92204A504   235,100 1,000 SH   SOLE   1,000 0 0
Vanguard Index Mid-Cap Growth Common 922908538   233,724 1,200 SH   SOLE   1,200 0 0
Wisdomtr Small Cap Earnings ET Common 97717W562   233,658 5,400 SH   SOLE   5,400 0 0
iShares Russell Micro-Cap ETF Common 464288869   232,733 2,325 SH   SOLE   2,325 0 0
Robo Global Robotics Common 301505707   226,620 4,500 SH   SOLE   4,500 0 0
iShars Kld 400 Social Idx Common 464288570   225,506 2,770 SH   SOLE   2,770 0 0
Medtronic Common G5960L103   224,266 2,862 SH   SOLE   2,862 0 0
Nucor Corp Common 670346105   218,890 1,400 SH   SOLE   1,400 0 0
SPDR Financial Select Sector E Common 81369Y605   215,605 6,500 SH   SOLE   6,500 0 0
Vanguard Energy ETF Common 92204A306   209,121 1,650 SH   SOLE   1,650 0 0
Western Asset High Incm Common 95766K109   147,420 40,500 SH   SOLE   40,500 0 0