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   9,860,366 36,860 SH   SOLE   36,860 0 0
Novo Nordisk A/S ADR Fmly Novo Common 670100205   8,020,275 56,188 SH   SOLE   56,188 0 0
Apple Common 037833100   7,805,828 37,061 SH   SOLE   37,061 0 0
Schwab US Broad Market ETF Common 808524102   5,879,531 93,519 SH   SOLE   93,519 0 0
Vanguard Index Small Cap ETF Common 922908751   4,259,934 19,537 SH   SOLE   19,537 0 0
Microsoft Common 594918104   3,888,736 8,701 SH   SOLE   8,701 0 0
Vanguard Mid Cap Index ETF Common 922908629   3,562,714 14,716 SH   SOLE   14,716 0 0
Vanguard FTSE All-World Ex-US Common 922042775   3,423,847 58,388 SH   SOLE   58,388 0 0
Stryker Common 863667101   2,966,980 8,720 SH   SOLE   8,720 0 0
Vanguard Index Growth ETF Common 922908736   2,912,338 7,787 SH   SOLE   7,787 0 0
Vanguard Value ETF Common 922908744   2,468,176 15,387 SH   SOLE   15,387 0 0
Vanguard Dividend Appreciation Common 921908844   2,359,450 12,925 SH   SOLE   12,925 0 0
Oracle Common 68389X105   2,300,148 16,290 SH   SOLE   16,290 0 0
SPDR Utilities Select ETF Common 81369Y886   2,110,426 30,972 SH   SOLE   30,972 0 0
Caterpillar Common 149123101   2,102,615 6,312 SH   SOLE   6,312 0 0
Pepsico Common 713448108   2,096,096 12,709 SH   SOLE   12,709 0 0
Procter & Gamble Common 742718109   1,998,161 12,116 SH   SOLE   12,116 0 0
SPDR Health Care Select Sctr E Common 81369Y209   1,987,156 13,634 SH   SOLE   13,634 0 0
Applied Materials Common 038222105   1,785,024 7,564 SH   SOLE   7,564 0 0
Johnson & Johnson Common 478160104   1,591,588 10,889 SH   SOLE   10,889 0 0
Schwab Charles Corp New Common 808513105   1,562,603 21,205 SH   SOLE   21,205 0 0
SPDR Materials Common 81369Y100   1,511,691 17,118 SH   SOLE   17,118 0 0
Illinois Tool Works Common 452308109   1,386,216 5,850 SH   SOLE   5,850 0 0
Wal Mart Stores Common 931142103   1,368,957 20,218 SH   SOLE   20,218 0 0
Unitedhealth Group Inc Com Common 91324P102   1,364,433 2,679 SH   SOLE   2,679 0 0
Nextera Energy Common 65339F101   1,335,995 18,867 SH   SOLE   18,867 0 0
Vanguard Emerging Markets ETF Common 922042858   1,238,688 28,306 SH   SOLE   28,306 0 0
Amazon Com Inc Common 023135106   1,220,374 6,315 SH   SOLE   6,315 0 0
SPDR Technology Sector ETF Common 81369Y803   1,216,911 5,379 SH   SOLE   5,379 0 0
Honeywell International Common 438516106   1,214,829 5,689 SH   SOLE   5,689 0 0
Abbott Laboratories Common 002824100   1,207,406 11,620 SH   SOLE   11,620 0 0
Schwab International Equity ET Common 808524805   1,195,232 31,110 SH   SOLE   31,110 0 0
Schwab US Small Cap ETF Common 808524607   1,167,303 24,601 SH   SOLE   24,601 0 0
SPDR Energy Sector ETF Common 81369Y506   1,136,550 12,469 SH   SOLE   12,469 0 0
Costco Wholesale Common 22160K105   1,079,487 1,270 SH   SOLE   1,270 0 0
Qualcomm Common 747525103   1,051,689 5,280 SH   SOLE   5,280 0 0
AbbVie Inc Com Common 00287Y109   1,030,149 6,006 SH   SOLE   6,006 0 0
Vaneck Vectors Fallen Common 92189F437   1,021,630 36,100 SH   SOLE   36,100 0 0
S & P Depository Receipts Common 78462F103   1,017,144 1,869 SH   SOLE   1,869 0 0
Lowe's Common 548661107   1,009,787 4,580 SH   SOLE   4,580 0 0
Amgen Common 031162100   963,283 3,083 SH   SOLE   3,083 0 0
Google Inc Class C Class C 02079K107   905,741 4,938 SH   SOLE   4,938 0 0
iShares Fallen Angels Common 46435G474   848,556 32,400 SH   SOLE   32,400 0 0
Vanguard Total World Common 922042742   814,315 7,230 SH   SOLE   7,230 0 0
Cummins Inc Common 231021106   798,352 2,883 SH   SOLE   2,883 0 0
Vanguard Information Technolog Common 92204A702   792,811 1,375 SH   SOLE   1,375 0 0
General Mills Common 370334104   784,858 12,407 SH   SOLE   12,407 0 0
Invesco QQQ Trust Common 46090E103   774,400 1,616 SH   SOLE   1,616 0 0
Wells Fargo & Co Common 949746101   770,407 12,972 SH   SOLE   12,972 0 0
Cisco Systems Common 17275R102   760,778 16,013 SH   SOLE   16,013 0 0
Union Pacific Corp Common 907818108   732,742 3,238 SH   SOLE   3,238 0 0
Schwab US Mid-Cap ETF Common 808524508   726,154 9,330 SH   SOLE   9,330 0 0
Travelers Co. Common 89417E109   688,916 3,388 SH   SOLE   3,388 0 0
iShares Dj US Home Const Common 464288752   671,948 6,649 SH   SOLE   6,649 0 0
Starbucks Common 855244109   667,486 8,574 SH   SOLE   8,574 0 0
Duke Energy Common 26441C105   665,627 6,641 SH   SOLE   6,641 0 0
Sysco Corporation Common 871829107   652,505 9,140 SH   SOLE   9,140 0 0
United Parcel Service Common 911312106   651,543 4,761 SH   SOLE   4,761 0 0
Vanguard Consumer Staples ETF Common 92204A207   593,457 2,923 SH   SOLE   2,923 0 0
Exxon Mobil Common 30231G102   589,297 5,119 SH   SOLE   5,119 0 0
Eli Lilly & Company Common 532457108   578,107 639 SH   SOLE   639 0 0
iShares Exponential Technology Common 46434V381   566,005 9,621 SH   SOLE   9,621 0 0
Emerson Electric Common 291011104   553,444 5,024 SH   SOLE   5,024 0 0
Chevron Corp Common 166764100   551,243 3,524 SH   SOLE   3,524 0 0
Vanguard FTSE Developed Mkt ET Common 921943858   533,736 10,800 SH   SOLE   10,800 0 0
Mckesson Hboc Inc Common 58155Q103   527,194 903 SH   SOLE   903 0 0
CVS Caremark Corp Common 126650100   519,845 8,802 SH   SOLE   8,802 0 0
Automatic Data Processing Common 053015103   509,842 2,136 SH   SOLE   2,136 0 0
Schwab Emg Mkt Eq ETF Common 808524706   506,860 19,084 SH   SOLE   19,084 0 0
Home Depot Common 437076102   500,879 1,455 SH   SOLE   1,455 0 0
Berkshire Hathaway Inc Del Cl Class B 084670702   473,922 1,165 SH   SOLE   1,165 0 0
JPMorgan & Co Common 46625H100   473,424 2,341 SH   SOLE   2,341 0 0
Goldman Sachs Group Common 38141G104   462,367 1,022 SH   SOLE   1,022 0 0
Sensory Science Common 92204A108   461,936 1,479 SH   SOLE   1,479 0 0
Eastman Chemical Common 277432100   450,939 4,603 SH   SOLE   4,603 0 0
Cyber Security ETF Common 26924G201   449,550 6,945 SH   SOLE   6,945 0 0
Santa Cruz Cnty Bank Common 801827106   444,950 12,808 SH   SOLE   12,808 0 0
International Business Machine Common 459200101   441,409 2,552 SH   SOLE   2,552 0 0
Verizon Common 92343V104   439,495 10,657 SH   SOLE   10,657 0 0
Vanguard REIT ETF Common 922908553   402,048 4,800 SH   SOLE   4,800 0 0
SPDR(r) Portfolio S&P 500 ETF Common 78464A854   377,600 5,900 SH   SOLE   5,900 0 0
SPDR High Yield Bond Common 78468R622   372,367 3,950 SH   SOLE   3,950 0 0
Vanguard Small Cap Value Common 922908611   350,621 1,921 SH   SOLE   1,921 0 0
United Rentals Inc Common 911363109   350,092 541 SH   SOLE   541 0 0
Salesforce Com Common 79466L302   340,658 1,325 SH   SOLE   1,325 0 0
Carrier Global Corp Common 14448C104   333,204 5,282 SH   SOLE   5,282 0 0
Facebook Inc Class A Common 30303M102   332,835 660 SH   SOLE   660 0 0
iShares S&P US Preferred Stock Common 464288687   324,965 10,300 SH   SOLE   10,300 0 0
SPDR Total Stock Mrk Common 78464A805   318,480 4,800 SH   SOLE   4,800 0 0
iShares Broad High Yield Common 46435U853   304,752 8,400 SH   SOLE   8,400 0 0
Invesco Preferred ETF Common 46138E511   291,060 25,200 SH   SOLE   25,200 0 0
iShars Kld 400 Social Idx Common 464288570   290,780 2,800 SH   SOLE   2,800 0 0
Schwab Int'l Small Cap Common 808524888   284,640 8,000 SH   SOLE   8,000 0 0
Intel Common 458140100   277,559 8,962 SH   SOLE   8,962 0 0
Vanguard Index Mid-Cap Growth Common 922908538   275,472 1,200 SH   SOLE   1,200 0 0
Bank of New York Co Common 064058100   273,398 4,565 SH   SOLE   4,565 0 0
SPDR Financial Select Sector E Common 81369Y605   267,215 6,500 SH   SOLE   6,500 0 0
SPDR S&P Hi Yld Div Aristocrat Common 78464A763   267,078 2,100 SH   SOLE   2,100 0 0
Vanguard Health Care ETF Common 92204A504   266,000 1,000 SH   SOLE   1,000 0 0
iShares Emerging Markets ETF Common 464287234   256,392 6,020 SH   SOLE   6,020 0 0
Wisdomtr Small Cap Earnings ET Common 97717W562   254,502 5,400 SH   SOLE   5,400 0 0
iShares Russell Micro-Cap ETF Common 464288869   242,250 2,125 SH   SOLE   2,125 0 0
Robo Global Robotics Common 301505707   232,798 4,225 SH   SOLE   4,225 0 0
Nvidia Corp Common 67066G104   224,294 1,816 SH   SOLE   1,816 0 0
Morningstar Wide Moat Common 57060U134   216,525 2,500 SH   SOLE   2,500 0 0
Nucor Corp Common 670346105   211,037 1,335 SH   SOLE   1,335 0 0
Vanguard Energy ETF Common 92204A306   210,491 1,650 SH   SOLE   1,650 0 0
Vanguard Financials ETF Common 92204A405   202,257 2,025 SH   SOLE   2,025 0 0
Western Asset High Inc Common 95766K109   144,780 38,000 SH   SOLE   38,000 0 0