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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Laboratories Equity 002824100 1,050 11,486 SH   SOLE   0 0 11,486
Amazon.Com Inc Equity 023135106 1,404 509 SH   SOLE   0 0 509
American States Water Co Equity 029899101 1,931 24,555 SH   SOLE   0 0 24,555
American Water Works Co Equity 030420103 6,573 51,086 SH   SOLE   0 0 51,086
Amgen Inc Equity 031162100 501 2,123 SH   SOLE   0 0 2,123
Apple Computer Inc Equity 037833100 6,896 18,902 SH   SOLE   0 0 18,902
Boeing Company Equity 097023105 209 1,142 SH   SOLE   0 0 1,142
CSW Industrials Inc Equity 126402106 197 2,847 SH   SOLE   0 0 2,847
California Water Service Group Equity 130788102 1,954 40,974 SH   SOLE   0 0 40,974
Camden Natl Corp Equity 133034108 243 7,039 SH   SOLE   0 0 7,039
Chevron Corporation Equity 166764100 321 3,599 SH   SOLE   0 0 3,599
Coca-Cola Company Equity 191216100 277 6,196 SH   SOLE   0 0 6,196
Colgate-Palmolive Company Equity 194162103 385 5,259 SH   SOLE   0 0 5,259
Consolidated Edison Inc Equity 209115104 249 3,457 SH   SOLE   0 0 3,457
Deere & Co Equity 244199105 256 1,626 SH   SOLE   0 0 1,626
Digital Realty Trust Inc Equity 253868103 267 1,882 SH   SOLE   0 0 1,882
Disney Walt Company Equity 254687106 408 3,661 SH   SOLE   0 0 3,661
Fidelity MSCI Real Estate Index ETF Equity 316092857 310 13,246 SH   SOLE   0 0 13,246
Goldman Sachs ActiveBeta International Equity 381430107 1,548 58,232 SH   SOLE   0 0 58,232
Home Depot Inc Equity 437076102 559 2,233 SH   SOLE   0 0 2,233
Honeywell Intl Inc Equity 438516106 258 1,786 SH   SOLE   0 0 1,786
Intel Corp Equity 458140100 1,784 29,816 SH   SOLE   0 0 29,816
International Business Machine Corp Equity 459200101 488 4,038 SH   SOLE   0 0 4,038
iShares Core S&P Total US Stock Market ETF Equity 464287150 396 5,708 SH   SOLE   0 0 5,708
iShares Barclays TIPS Equity 464287176 613 4,984 SH   SOLE   0 0 4,984
iShares Core S&P 500 ETF Equity 464287200 800 2,582 SH   SOLE   0 0 2,582
iShares iBoxx Investment Grade Corp Bond Equity 464287242 7,477 55,588 SH   SOLE   0 0 55,588
iShares S&P 500 Growth Equity 464287309 221 1,065 SH   SOLE   0 0 1,065
iShares Lehman 20 Year Treas Bond Equity 464287432 3,414 20,829 SH   SOLE   0 0 20,829
iShares S&P Midcap Equity 464287507 697 3,920 SH   SOLE   0 0 3,920
iShares S&P North Amer Tech-Semicondctrs Equity 464287523 22,648 83,611 SH   SOLE   0 0 83,611
iShares Cohen & Steers Realty Majors Equity 464287564 540 5,352 SH   SOLE   0 0 5,352
iShares Russell 3000 Equity 464287689 523 2,902 SH   SOLE   0 0 2,902
iShares Tr S&P Smallcap Equity 464287804 759 11,115 SH   SOLE   0 0 11,115
iShares Barclays MBS Bonds Equity 464288588 1,719 15,525 SH   SOLE   0 0 15,525
iShares S&P US Preferred Fund Equity 464288687 1,766 50,969 SH   SOLE   0 0 50,969
Johnson & Johnson Equity 478160104 1,763 12,540 SH   SOLE   0 0 12,540
Kimberly-Clark Corp Equity 494368103 521 3,688 SH   SOLE   0 0 3,688
Leggett&Platt Inc Com Equity 524660107 6,354 180,760 SH   SOLE   0 0 180,760
Eli Lilly & Company Equity 532457108 1,608 9,793 SH   SOLE   0 0 9,793
Microsoft Corp Equity 594918104 1,129 5,546 SH   SOLE   0 0 5,546
Paychex Inc Equity 704326107 406 5,364 SH   SOLE   0 0 5,364
Peoples United Bankcorp Equity 712704105 195 16,872 SH   SOLE   0 0 16,872
Pepsico Incorporated Equity 713448108 224 1,694 SH   SOLE   0 0 1,694
Pfizer Incorporated Equity 717081103 591 18,088 SH   SOLE   0 0 18,088
Procter & Gamble Company Equity 742718109 816 6,826 SH   SOLE   0 0 6,826
Raytheon Technologies Corp Equity 755111507 223 3,618 SH   SOLE   0 0 3,618
SJW Corp Equity 784305104 1,952 31,426 SH   SOLE   0 0 31,426
Schwab US Broad Market ETF Equity 808524102 21,198 288,528 SH   SOLE   0 0 288,528
Schwab US Large Cap ETF Equity 808524201 7,126 96,171 SH   SOLE   0 0 96,171
Schwab US Mid-Cap ETF Equity 808524508 7,854 149,250 SH   SOLE   0 0 149,250
Schwab US Small Cap ETF Equity 808524607 8,174 125,098 SH   SOLE   0 0 125,098
Schwab Emgerging Markets Equity ETF Equity 808524706 1,094 44,929 SH   SOLE   0 0 44,929
Schwab Fundamental Emerging Markets Large Company Equity 808524730 1,146 48,949 SH   SOLE   0 0 48,949
Schwab Fundamental US Large Company ETF Equity 808524771 1,451 39,386 SH   SOLE   0 0 39,386
Schwab Fundamental US Broad Market ETF Equity 808524789 492 13,570 SH   SOLE   0 0 13,570
Schwab US Dividend Equity ETF Equity 808524797 7,873 152,141 SH   SOLE   0 0 152,141
Schwab International Equity ETF Equity 808524805 11,007 369,989 SH   SOLE   0 0 369,989
Schwab US Aggregate Bond ETF Equity 808524839 477 8,488 SH   SOLE   0 0 8,488
Schwab US REIT ETF Equity 808524847 11,787 334,680 SH   SOLE   0 0 334,680
Schwab US TIPS ETF Equity 808524870 1,971 32,847 SH   SOLE   0 0 32,847
Southern Company Equity 842587107 542 10,455 SH   SOLE   0 0 10,455
Texas Instruments Inc Equity 882508104 219 1,728 SH   SOLE   0 0 1,728
Vanguard Dividend Appreciation ETF Equity 921908844 301 2,572 SH   SOLE   0 0 2,572
Vanguard Short Term Bond Index ETF Equity 921937827 301 3,624 SH   SOLE   0 0 3,624
Vanguard FTSE Developed Markets Index Fund Equity 921943858 3,200 82,503 SH   SOLE   0 0 82,503
Vanguard Total World Stock Index ETF Equity 922042742 210 2,811 SH   SOLE   0 0 2,811
Vanguard International Equity Index Equity 922042775 215 4,526 SH   SOLE   0 0 4,526
Vanguard Emerging Market Equity 922042858 233 5,874 SH   SOLE   0 0 5,874
Vanguard S&P 500 ETF Equity 922908363 2,430 8,572 SH   SOLE   0 0 8,572
Vanguard REIT Equity 922908553 6,885 87,669 SH   SOLE   0 0 87,669
Vanguard Mid Cap Equity 922908629 5,799 35,377 SH   SOLE   0 0 35,377
Vanguard Value ETF Equity 922908744 657 6,597 SH   SOLE   0 0 6,597
Vanguard Small Cap ETF Equity 922908751 5,160 35,410 SH   SOLE   0 0 35,410
Vanguard Total Stock Mkt Equity 922908769 864 5,517 SH   SOLE   0 0 5,517
Walgreens Boots Alliance Inc Equity 931427108 238 5,617 SH   SOLE   0 0 5,617
Invesco QQQ Trust Equity 46090E103 1,947 7,864 SH   SOLE   0 0 7,864
AT&T Inc Equity 00206R102 704 23,301 SH   SOLE   0 0 23,301
AbbVie Inc Equity 00287Y109 637 6,491 SH   SOLE   0 0 6,491
Alphabet Class C Equity 02079K107 530 375 SH   SOLE   0 0 375
Alphabet Inc Class A Equity 02079K305 1,079 761 SH   SOLE   0 0 761
1/100 Berkshire Htwy A Equity 084670108 1,069 400 SH   SOLE   0 0 400
Berkshire Hathaway Inc Class B Equity 084670702 1,862 10,431 SH   SOLE   0 0 10,431
BioHiTech Global Inc Equity 09074B107 41 16,510 SH   SOLE   0 0 16,510
Cisco Systems Inc Equity 17275R102 336 7,205 SH   SOLE   0 0 7,205
Citigroup Inc Equity 172967424 200 3,922 SH   SOLE   0 0 3,922
Costco Wholesale Corp Equity 22160K105 644 2,125 SH   SOLE   0 0 2,125
Diageo Plc New Spn Adr Equity 25243Q205 244 1,813 SH   SOLE   0 0 1,813
Duke Energy Corp New Equity 26441C204 727 9,094 SH   SOLE   0 0 9,094
Essential Utilities Equity 29670G102 3,802 90,021 SH   SOLE   0 0 90,021
Exxon Mobil Corp Equity 30231G102 503 11,238 SH   SOLE   0 0 11,238
Facebook Equity 30303M102 431 1,899 SH   SOLE   0 0 1,899
Invesco Fundamental High Yield Corp Bond ETF Equity 46138E719 626 34,589 SH   SOLE   0 0 34,589
Guggenheim 2020 Corporate Bond ETF Equity 46138J502 408 19,150 SH   SOLE   0 0 19,150
Guggenheim Bulletshares 2024 Corporate Bond Equity 46138J841 272 12,350 SH   SOLE   0 0 12,350
Guggenheim Bulletshares 2023 Corporate Bond Equity 46138J866 436 20,050 SH   SOLE   0 0 20,050
Invesco DB Oil Fund Equity 46140H403 7,547 1,079,692 SH   SOLE   0 0 1,079,692
iShares Aaa-A Rated Corporate Bond Equity 46429B291 3,082 53,279 SH   SOLE   0 0 53,279
iShares GNMA Bond Equity 46429B333 413 8,042 SH   SOLE   0 0 8,042
iShares Floating Rate ETF Equity 46429B655 412 8,147 SH   SOLE   0 0 8,147
iShares Core High Dividend Equity 46429B663 425 5,240 SH   SOLE   0 0 5,240
iShares 0-5 Year TIPS Bond ETF Equity 46429B747 5,645 55,136 SH   SOLE   0 0 55,136
iShares Commodities Select Strategies ETF Equity 46431W853 550 23,163 SH   SOLE   0 0 23,163
iShares Core MSCI EAFE ETF Equity 46432F842 350 6,128 SH   SOLE   0 0 6,128
iShares iBonds SEP 2020 Term Muni Bonds Equity 46434V571 822 32,251 SH   SOLE   0 0 32,251
iShares Core Dividend Growth ETF Equity 46434V621 1,309 34,805 SH   SOLE   0 0 34,805
iShares iBonds Dec 2023 Term Muni Bond Equity 46435G318 684 26,056 SH   SOLE   0 0 26,056
iShares iBonds DEC 2022 Term Muni Bond Equity 46435G755 750 28,396 SH   SOLE   0 0 28,396
iShares iBonds DEC 2021 Term Muni Bonds Equity 46435G789 744 28,680 SH   SOLE   0 0 28,680
JP Morgan Chase & Company Equity 46625H100 328 3,486 SH   SOLE   0 0 3,486
Merck & Company Inc Equity 58933Y105 755 9,767 SH   SOLE   0 0 9,767
NextEra Energy Inc Equity 65339F101 839 3,493 SH   SOLE   0 0 3,493
PayPal Holdings Inc Equity 70450Y103 428 2,455 SH   SOLE   0 0 2,455
PIMCO Enhaced Low Duration Active ETF Equity 72201R718 5,816 57,052 SH   SOLE   0 0 57,052
PIMCO Total Return ETF Equity 72201R775 2,581 23,134 SH   SOLE   0 0 23,134
Pimco Short Term Muni ETF Equity 72201R874 978 19,157 SH   SOLE   0 0 19,157
Planet Fitness Inc Equity 72703H101 481 7,935 SH   SOLE   0 0 7,935
ProShares UltraShort 20 Year Treasury Equity 74347B201 432 27,162 SH   SOLE   0 0 27,162
Proshares Short S&P 500 Equity 74347B425 297 13,305 SH   SOLE   0 0 13,305
ProShares Ultra S&P 500 Equity 74347R107 1,007 8,050 SH   SOLE   0 0 8,050
ProShares Ultra QQQ Equity 74347R206 5,930 40,149 SH   SOLE   0 0 40,149
ProShares UltraShort Bloomberg Crude Oil Equity 74347W668 695 38,058 SH   SOLE   0 0 38,058
S&P Global Inc Equity 78409V104 761 2,310 SH   SOLE   0 0 2,310
Standard & Poors Dep Rcpts Series 1 Equity 78462F103 10,858 35,213 SH   SOLE   0 0 35,213
SPDR S&P Intl Small Cap Equity 78463X871 206 7,515 SH   SOLE   0 0 7,515
SPDR Barclays Capital Convertible Securities Equity 78464A359 2,030 33,550 SH   SOLE   0 0 33,550
SPDR S&P 500 Growth ETF Equity 78464A409 283 6,297 SH   SOLE   0 0 6,297
SPDRBarclays International Treasury ETF Equity 78464A516 330 11,431 SH   SOLE   0 0 11,431
SPDR Barclays Capital Tips Equity 78464A656 595 19,735 SH   SOLE   0 0 19,735
SPDR S&P Dividend ETF Equity 78464A763 8,855 97,089 SH   SOLE   0 0 97,089
SPDR Blackstone / GSO Senior Loan Equity 78467V608 641 14,782 SH   SOLE   0 0 14,782
SPDR Lehman Municipal Bond ETF Equity 78468R721 1,227 23,747 SH   SOLE   0 0 23,747
Energy Select Sector SPDR Equity 81369Y506 279 7,376 SH   SOLE   0 0 7,376
Financial Select Sector SPDR Equity 81369Y605 340 14,684 SH   SOLE   0 0 14,684
Shopify Inc Equity 82509L107 196 207 SH   SOLE   0 0 207
Teladoc Inc Equity 87918A105 224 1,175 SH   SOLE   0 0 1,175
Vanguard Total International Bond ETF Equity 92203J407 1,624 28,125 SH   SOLE   0 0 28,125
Vanguard Utilities Equity 92204A876 5,904 47,742 SH   SOLE   0 0 47,742
Vanguard Telecom Svcs Equity 92204A884 689 7,407 SH   SOLE   0 0 7,407
Verizon Communications Inc Equity 92343V104 1,738 31,522 SH   SOLE   0 0 31,522
Waste Management Inc Del Equity 94106L109 211 1,988 SH   SOLE   0 0 1,988