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
Estimated average burden
hours per response: 23.8
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   7,963,571 33,570 SH   SOLE   33,570 0 0
Apple Common 037833100   7,468,632 38,792 SH   SOLE   38,792 0 0
Novo Nordisk A/S ADR Fmly Novo Common 670100205   5,857,442 56,621 SH   SOLE   56,621 0 0
Schwab US Broad Market ETF Common 808524102   4,820,118 86,584 SH   SOLE   86,584 0 0
Vanguard Index Small Cap ETF Common 922908751   4,196,712 19,672 SH   SOLE   19,672 0 0
Vanguard Mid Cap Index ETF Common 922908629   3,356,036 14,426 SH   SOLE   14,426 0 0
Microsoft Common 594918104   3,206,777 8,528 SH   SOLE   8,528 0 0
Vanguard FTSE All-World Ex-US Common 922042775   2,973,319 52,963 SH   SOLE   52,963 0 0
Stryker Common 863667101   2,722,091 9,090 SH   SOLE   9,090 0 0
Vanguard Index Growth ETF Common 922908736   2,404,482 7,734 SH   SOLE   7,734 0 0
Pepsico Common 713448108   2,313,555 13,622 SH   SOLE   13,622 0 0
Vanguard Value ETF Common 922908744   2,308,589 15,442 SH   SOLE   15,442 0 0
Vanguard Dividend Appreciation Common 921908844   2,153,673 12,639 SH   SOLE   12,639 0 0
SPDR Utilities Select ETF Common 81369Y886   2,099,013 33,144 SH   SOLE   33,144 0 0
Caterpillar Common 149123101   2,064,194 6,981 SH   SOLE   6,981 0 0
Procter & Gamble Common 742718109   1,919,715 13,100 SH   SOLE   13,100 0 0
Johnson & Johnson Common 478160104   1,914,938 12,217 SH   SOLE   12,217 0 0
Oracle Common 68389X105   1,859,785 17,640 SH   SOLE   17,640 0 0
Illinois Tool Works Common 452308109   1,597,834 6,100 SH   SOLE   6,100 0 0
SPDR Health Care Select Sctr E Common 81369Y209   1,591,555 11,670 SH   SOLE   11,670 0 0
SPDR Materials Common 81369Y100   1,538,266 17,983 SH   SOLE   17,983 0 0
Schwab Charles Corp New Common 808513105   1,534,243 22,300 SH   SOLE   22,300 0 0
Abbott Laboratories Common 002824100   1,431,901 13,009 SH   SOLE   13,009 0 0
Unitedhealth Group Inc Com Common 91324P102   1,363,096 2,589 SH   SOLE   2,589 0 0
Nextera Energy Common 65339F101   1,348,002 22,193 SH   SOLE   22,193 0 0
Applied Materials Common 038222105   1,347,447 8,314 SH   SOLE   8,314 0 0
Honeywell International Common 438516106   1,308,381 6,239 SH   SOLE   6,239 0 0
Schwab International Equity ET Common 808524805   1,149,812 31,110 SH   SOLE   31,110 0 0
Lowe's Common 548661107   1,138,343 5,115 SH   SOLE   5,115 0 0
Vanguard Emerging Markets ETF Common 922042858   1,134,623 27,606 SH   SOLE   27,606 0 0
Wal Mart Stores Common 931142103   1,083,315 6,872 SH   SOLE   6,872 0 0
SPDR Energy Sector ETF Common 81369Y506   1,039,601 12,400 SH   SOLE   12,400 0 0
Vaneck Vectors Fallen Common 92189F437   1,038,958 36,100 SH   SOLE   36,100 0 0
Amgen Common 031162100   1,026,215 3,563 SH   SOLE   3,563 0 0
AbbVie Inc Com Common 00287Y109   989,174 6,383 SH   SOLE   6,383 0 0
Amazon Com Inc Common 023135106   980,013 6,450 SH   SOLE   6,450 0 0
Schwab US Small Cap ETF Common 808524607   973,339 20,604 SH   SOLE   20,604 0 0
General Mills Common 370334104   925,897 14,214 SH   SOLE   14,214 0 0
SPDR Technology Sector ETF Common 81369Y803   925,636 4,809 SH   SOLE   4,809 0 0
United Parcel Service Common 911312106   894,639 5,690 SH   SOLE   5,690 0 0
S & P Depository Receipts Common 78462F103   870,800 1,832 SH   SOLE   1,832 0 0
iShares Fallen Angels Common 46435G474   858,000 32,500 SH   SOLE   32,500 0 0
Starbucks Common 855244109   851,993 8,874 SH   SOLE   8,874 0 0
Cisco Systems Common 17275R102   841,815 16,663 SH   SOLE   16,663 0 0
Union Pacific Corp Common 907818108   820,001 3,339 SH   SOLE   3,339 0 0
Cummins Inc Common 231021106   804,444 3,358 SH   SOLE   3,358 0 0
Sysco Corporation Common 871829107   803,699 10,990 SH   SOLE   10,990 0 0
Duke Energy Common 26441C105   771,759 7,953 SH   SOLE   7,953 0 0
Qualcomm Common 747525103   737,302 5,098 SH   SOLE   5,098 0 0
CVS Caremark Corp Common 126650100   728,714 9,229 SH   SOLE   9,229 0 0
Google Inc Class C Class C 02079K107   720,152 5,110 SH   SOLE   5,110 0 0
Schwab US Mid-Cap ETF Common 808524508   702,736 9,330 SH   SOLE   9,330 0 0
Invesco QQQ Trust Common 46090E103   680,789 1,662 SH   SOLE   1,662 0 0
Vanguard Information Technolog Common 92204A702   665,500 1,375 SH   SOLE   1,375 0 0
iShares Dj US Home Const Common 464288752   659,719 6,485 SH   SOLE   6,485 0 0
Wells Fargo & Co Common 949746101   649,434 13,195 SH   SOLE   13,195 0 0
Travelers Co. Common 89417E109   645,380 3,388 SH   SOLE   3,388 0 0
iShares Exponential Technology Common 46434V381   631,388 10,546 SH   SOLE   10,546 0 0
Chevron Corp Common 166764100   612,106 4,104 SH   SOLE   4,104 0 0
Vanguard Total World Common 922042742   599,790 5,830 SH   SOLE   5,830 0 0
Costco Wholesale Common 22160K105   574,270 870 SH   SOLE   870 0 0
Vanguard Consumer Staples ETF Common 92204A207   558,176 2,923 SH   SOLE   2,923 0 0
Santa Cruz Cnty Bank Common 801827106   536,166 17,908 SH   SOLE   17,908 0 0
Intel Common 458140100   530,132 10,550 SH   SOLE   10,550 0 0
Exxon Mobil Common 30231G102   518,396 5,185 SH   SOLE   5,185 0 0
Vanguard FTSE Developed Mkt ET Common 921943858   517,320 10,800 SH   SOLE   10,800 0 0
Emerson Electric Common 291011104   504,559 5,184 SH   SOLE   5,184 0 0
Home Depot Common 437076102   502,498 1,450 SH   SOLE   1,450 0 0
Automatic Data Processing Common 053015103   497,624 2,136 SH   SOLE   2,136 0 0
Schwab Emg Mkt Eq ETF Common 808524706   480,520 19,384 SH   SOLE   19,384 0 0
Verizon Common 92343V104   463,031 12,282 SH   SOLE   12,282 0 0
Cyber Security ETF Common 26924G201   446,732 7,395 SH   SOLE   7,395 0 0
Sensory Science Common 92204A108   426,065 1,399 SH   SOLE   1,399 0 0
International Business Machine Common 459200101   425,268 2,600 SH   SOLE   2,600 0 0
Vanguard REIT ETF Common 922908553   424,128 4,800 SH   SOLE   4,800 0 0
Eastman Chemical Common 277432100   413,426 4,603 SH   SOLE   4,603 0 0
JPMorgan & Co Common 46625H100   398,106 2,340 SH   SOLE   2,340 0 0
Berkshire Hathaway Inc Del Cl Class B 084670702   394,109 1,105 SH   SOLE   1,105 0 0
Goldman Sachs Group Common 38141G104   393,929 1,021 SH   SOLE   1,021 0 0
SPDR High Yield Bond Common 78468R622   393,130 4,150 SH   SOLE   4,150 0 0
Bank of New York Co Common 064058100   353,420 6,790 SH   SOLE   6,790 0 0
United Rentals Inc Common 911363109   352,080 614 SH   SOLE   614 0 0
Salesforce Com Common 79466L302   348,661 1,325 SH   SOLE   1,325 0 0
iShares S&P US Preferred Stock Common 464288687   330,614 10,600 SH   SOLE   10,600 0 0
SPDR(r) Portfolio S&P 500 ETF Common 78464A854   329,810 5,900 SH   SOLE   5,900 0 0
iShares Broad High Yield Common 46435U853   319,880 8,800 SH   SOLE   8,800 0 0
Mckesson Hboc Inc Common 58155Q103   316,455 684 SH   SOLE   684 0 0
Invesco Preferred ETF Common 46138E511   289,044 25,200 SH   SOLE   25,200 0 0
SPDR Total Stock Mrk Common 78464A805   280,560 4,800 SH   SOLE   4,800 0 0
iShares Russell Micro-Cap ETF Common 464288869   269,770 2,325 SH   SOLE   2,325 0 0
Wisdomtr Small Cap Earnings ET Common 97717W562   269,028 5,400 SH   SOLE   5,400 0 0
Vanguard Index Mid-Cap Growth Common 922908538   263,484 1,200 SH   SOLE   1,200 0 0
SPDR S&P Hi Yld Div Aristocrat Common 78464A763   262,437 2,100 SH   SOLE   2,100 0 0
iShares Emerging Markets ETF Common 464287234   253,323 6,300 SH   SOLE   6,300 0 0
iShars Kld 400 Social Idx Common 464288570   252,209 2,770 SH   SOLE   2,770 0 0
Vanguard Health Care ETF Common 92204A504   250,700 1,000 SH   SOLE   1,000 0 0
SPDR Financial Select Sector E Common 81369Y605   244,400 6,500 SH   SOLE   6,500 0 0
Nucor Corp Common 670346105   243,656 1,400 SH   SOLE   1,400 0 0
Robo Global Robotics Common 301505707   242,093 4,225 SH   SOLE   4,225 0 0
Medtronic Common G5960L103   239,891 2,912 SH   SOLE   2,912 0 0
Facebook Inc Class A Common 30303M102   230,074 650 SH   SOLE   650 0 0
Morningstar Wide Moat Common 57060U134   212,175 2,500 SH   SOLE   2,500 0 0
Schwab Int'l Small Cap Common 808524888   209,340 6,000 SH   SOLE   6,000 0 0
Quest Diagnostics Inc Com Common 74834L100   206,820 1,500 SH   SOLE   1,500 0 0
Western Asset High Incm Common 95766K109   156,330 40,500 SH   SOLE   40,500 0 0