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
iShares Lehman 20 Year Treas Bond Equity 464287432 24,059 209,444 SH   SOLE   0 0 209,444
Vanguard Utilities Equity 92204A876 20,617 135,329 SH   SOLE   0 0 135,329
iShares 0-5 Year TIPS Bond ETF Equity 46429B747 16,348 161,171 SH   SOLE   0 0 161,171
Standard & Poors Dep Rcpts Series 1 Equity 78462F103 15,130 40,106 SH   SOLE   0 0 40,106
Schwab US Broad Market ETF Equity 808524102 12,526 283,465 SH   SOLE   0 0 283,465
Apple Computer Inc Equity 037833100 11,674 85,385 SH   SOLE   0 0 85,385
Schwab US Dividend Equity ETF Equity 808524797 11,641 162,521 SH   SOLE   0 0 162,521
Proshares Short S&P 500 Equity 74347B425 11,202 678,909 SH   SOLE   0 0 678,909
Schwab US Small Cap ETF Equity 808524607 10,698 274,369 SH   SOLE   0 0 274,369
Schwab US Mid-Cap ETF Equity 808524508 10,331 164,683 SH   SOLE   0 0 164,683
Invesco DB Oil Fund Equity 46140H403 10,026 549,694 SH   SOLE   0 0 549,694
SPDR S&P Dividend ETF Equity 78464A763 9,923 83,607 SH   SOLE   0 0 83,607
Vanguard REIT Equity 922908553 9,190 100,863 SH   SOLE   0 0 100,863
Vanguard Mid Cap Equity 922908629 8,889 45,128 SH   SOLE   0 0 45,128
Schwab US Large Cap ETF Equity 808524201 8,616 192,934 SH   SOLE   0 0 192,934
American Water Works Co Equity 030420103 8,554 57,496 SH   SOLE   0 0 57,496
Schwab International Equity ETF Equity 808524805 7,482 237,916 SH   SOLE   0 0 237,916
Vanguard Small Cap ETF Equity 922908751 7,277 41,320 SH   SOLE   0 0 41,320
PIMCO Enhaced Low Duration Active ETF Equity 72201R718 7,125 74,207 SH   SOLE   0 0 74,207
Leggett&Platt Inc Com Equity 524660107 6,303 182,272 SH   SOLE   0 0 182,272
Vanguard S&P 500 ETF Equity 922908363 5,720 16,491 SH   SOLE   0 0 16,491
Essential Utilities Equity 29670G102 5,103 111,290 SH   SOLE   0 0 111,290
iShares S&P North Amer Tech-Semicondctrs Equity 464287523 4,965 14,203 SH   SOLE   0 0 14,203
iShares iBoxx Investment Grade Corp Bond Equity 464287242 4,898 44,515 SH   SOLE   0 0 44,515
Energy Select Sector SPDR Equity 81369Y506 4,721 66,025 SH   SOLE   0 0 66,025
SPDR Gold Shares Equity 78463V107 3,803 22,577 SH   SOLE   0 0 22,577
Invesco QQQ Trust Equity 46090E103 3,670 13,093 SH   SOLE   0 0 13,093
Goldman Sachs ActiveBeta International Equity 381430107 3,592 129,359 SH   SOLE   0 0 129,359
Berkshire Hathaway Inc Class B Equity 084670207 3,584 13,128 SH   SOLE   0 0 13,128
Vanguard FTSE Developed Markets Index Fund Equity 921943858 3,499 85,753 SH   SOLE   0 0 85,753
ProShares UltraShort Bloomberg Crude Oil Equity 74347Y797 3,456 150,704 SH   SOLE   0 0 150,704
Schwab US TIPS ETF Equity 808524870 3,193 57,220 SH   SOLE   0 0 57,220
iShares Core Dividend Growth ETF Equity 46434V621 3,147 66,058 SH   SOLE   0 0 66,058
iShares DJ US Aerospace & Defense Index Equity 464288760 2,851 28,747 SH   SOLE   0 0 28,747
Eli Lilly & Company Equity 532457108 2,696 8,316 SH   SOLE   0 0 8,316
California Water Service Group Equity 130788102 2,569 46,241 SH   SOLE   0 0 46,241
American States Water Co Equity 029899101 2,566 31,479 SH   SOLE   0 0 31,479
SJW Corp Equity 784305104 2,436 39,027 SH   SOLE   0 0 39,027
Microsoft Corp Equity 594918104 2,430 9,463 SH   SOLE   0 0 9,463
SPDR Barclays Investment Grade Floating Rate ETF Equity 78468R200 2,385 79,203 SH   SOLE   0 0 79,203
Vanguard Total International Bond ETF Equity 92203J407 2,382 48,089 SH   SOLE   0 0 48,089
Johnson & Johnson Equity 478160104 2,266 12,766 SH   SOLE   0 0 12,766
Alphabet Inc Class A Equity 02079K305 2,119 972 SH   SOLE   0 0 972
SPDR Barclays Capital Convertible Securities Equity 78464A359 2,008 31,107 SH   SOLE   0 0 31,107
iShares Barclays MBS Bonds Equity 464288588 1,897 19,454 SH   SOLE   0 0 19,454
Raytheon Technologies Corp Equity 75513E101 1,842 19,165 SH   SOLE   0 0 19,165
SPDR Long Term Treasury Equity 78464A664 1,829 55,302 SH   SOLE   0 0 55,302
Schwab Fundamental US Large Company ETF Equity 808524771 1,727 33,935 SH   SOLE   0 0 33,935
1/100 Berkshire Htwy A Equity 084990175 1,636 400 SH   SOLE   0 0 400
Columbia EM Core ex-China ETF Equity 19762B202 1,597 63,121 SH   SOLE   0 0 63,121
Verizon Communications Inc Equity 92343V104 1,543 30,407 SH   SOLE   0 0 30,407
ProShares Ultra S&P 500 Equity 74347R107 1,492 33,220 SH   SOLE   0 0 33,220
Amazon.Com Inc Equity 023135106 1,477 13,910 SH   SOLE   0 0 13,910
Duke Energy Corp New Equity 26441C204 1,453 13,553 SH   SOLE   0 0 13,553
SPDR Blackstone / GSO Senior Loan Equity 78467V608 1,444 34,678 SH   SOLE   0 0 34,678
Vanguard International Equity Index Equity 922042775 1,426 28,534 SH   SOLE   0 0 28,534
iShares Convertible Bond Equity 46435G102 1,421 20,485 SH   SOLE   0 0 20,485
iShares Core S&P 500 ETF Equity 464287200 1,365 3,600 SH   SOLE   0 0 3,600
Vanguard Total Stock Mkt Equity 922908769 1,325 7,025 SH   SOLE   0 0 7,025
Abbott Laboratories Equity 002824100 1,299 11,958 SH   SOLE   0 0 11,958
Invesco Fundamental High Yield Corp Bond ETF Equity 46138E719 1,275 75,660 SH   SOLE   0 0 75,660
iShares S&P US Preferred Fund Equity 464288687 1,252 38,080 SH   SOLE   0 0 38,080
Schwab Fundamental Emerging Markets Large Company Equity 808524730 1,240 47,837 SH   SOLE   0 0 47,837
iShares Tr S&P Smallcap Equity 464287804 1,176 12,724 SH   SOLE   0 0 12,724
Pfizer Incorporated Equity 717081103 1,148 21,894 SH   SOLE   0 0 21,894
Alphabet Class C Equity 02079K107 1,144 523 SH   SOLE   0 0 523
iShares Cohen & Steers Realty Majors Equity 464287564 1,133 18,649 SH   SOLE   0 0 18,649
Merck & Company Inc Equity 58933Y105 1,103 12,103 SH   SOLE   0 0 12,103
Costco Wholesale Corp Equity 22160K105 1,091 2,277 SH   SOLE   0 0 2,277
iShares Barclays TIPS Equity 464287176 1,087 9,540 SH   SOLE   0 0 9,540
PIMCO Total Return ETF Equity 72201R775 1,058 11,109 SH   SOLE   0 0 11,109
iShares S&P Midcap Equity 464287507 1,039 4,591 SH   SOLE   0 0 4,591
AbbVie Inc Equity 00287Y109 1,010 6,593 SH   SOLE   0 0 6,593
SCHWAB 1-5 YEAR CORP BOND ETF Equity 808524714 1,004 21,146 SH   SOLE   0 0 21,146
Vanguard Value ETF Equity 922908744 941 7,135 SH   SOLE   0 0 7,135
iShares Bloomberg Roll Sel Brd Cmdty ETF Equity 46431W598 920 15,798 SH   SOLE   0 0 15,798
Procter & Gamble Company Equity 742718109 830 5,772 SH   SOLE   0 0 5,772
Financial Select Sector SPDR Equity 81369Y605 823 26,183 SH   SOLE   0 0 26,183
Intel Corp Equity 458140100 797 21,292 SH   SOLE   0 0 21,292
S&P Global Inc Equity 78409V104 795 2,358 SH   SOLE   0 0 2,358
NextEra Energy Inc Equity 65339F101 794 10,250 SH   SOLE   0 0 10,250
iShares DJ US Health Care Providers Equity 464288828 788 3,085 SH   SOLE   0 0 3,085
iShares Core High Dividend Equity 46429B663 781 7,774 SH   SOLE   0 0 7,774
Southern Company Equity 842587107 774 10,848 SH   SOLE   0 0 10,848
Home Depot Inc Equity 437076102 687 2,505 SH   SOLE   0 0 2,505
SPDR Lehman Municipal Bond ETF Equity 78468R721 682 14,862 SH   SOLE   0 0 14,862
Exxon Mobil Corp Equity 30231G102 647 7,550 SH   SOLE   0 0 7,550
iShares Core MSCI EAFE ETF Equity 46432F842 644 10,935 SH   SOLE   0 0 10,935
iShares Russell 3000 Equity 464287689 631 2,902 SH   SOLE   0 0 2,902
International Business Machine Corp Equity 459200101 572 4,049 SH   SOLE   0 0 4,049
Paychex Inc Equity 704326107 567 4,975 SH   SOLE   0 0 4,975
SPDR Barclays Capital Tips Equity 78464A656 543 19,735 SH   SOLE   0 0 19,735
Schwab US REIT ETF Equity 808524847 543 25,731 SH   SOLE   0 0 25,731
Planet Fitness Inc Equity 72703H101 540 7,935 SH   SOLE   0 0 7,935
Amgen Inc Equity 031162100 531 2,185 SH   SOLE   0 0 2,185
Fidelity MSCI Real Estate Index ETF Equity 316092857 529 19,487 SH   SOLE   0 0 19,487
Chevron Corporation Equity 166764100 494 3,414 SH   SOLE   0 0 3,414
Guggenheim Bulletshares 2023 Corporate Bond Equity 46138J866 492 23,500 SH   SOLE   0 0 23,500
Guggenheim Bulletshares 2024 Corporate Bond Equity 46138J841 475 22,900 SH   SOLE   0 0 22,900
Cisco Systems Inc Equity 17275R102 469 11,008 SH   SOLE   0 0 11,008
SPDR S&P 500 Fossil Fuel Free ETF Equity 78468R796 467 5,067 SH   SOLE   0 0 5,067
iShares S&P 500 Growth Equity 464287309 464 7,683 SH   SOLE   0 0 7,683
Coca-Cola Company Equity 191216100 459 7,300 SH   SOLE   0 0 7,300
Genl Dynamics Corp Com Equity 369550108 451 2,040 SH   SOLE   0 0 2,040
Valero Energy Corp New Equity 91913Y100 450 4,236 SH   SOLE   0 0 4,236
Kimberly-Clark Corp Equity 494368103 445 3,295 SH   SOLE   0 0 3,295
iShares Core S&P Total US Stock Market ETF Equity 464287150 437 5,220 SH   SOLE   0 0 5,220
Deere & Co Equity 244199105 435 1,453 SH   SOLE   0 0 1,453
Vanguard Dividend Appreciation ETF Equity 921908844 427 2,974 SH   SOLE   0 0 2,974
JP Morgan Chase & Company Equity 46625H100 418 3,715 SH   SOLE   0 0 3,715
Colgate-Palmolive Company Equity 194162103 409 5,104 SH   SOLE   0 0 5,104
Travelers Companies Inc Equity 89417E109 390 2,307 SH   SOLE   0 0 2,307
Visa Inc Cl A Equity 92826C839 382 1,942 SH   SOLE   0 0 1,942
Schwab Fundamental US Broad Market ETF Equity 808524789 368 7,323 SH   SOLE   0 0 7,323
Diageo Plc New Spn Adr Equity 25243Q205 350 2,011 SH   SOLE   0 0 2,011
Nvidia Corp Equity 67066G104 348 2,297 SH   SOLE   0 0 2,297
Disney Walt Company Equity 254687106 348 3,688 SH   SOLE   0 0 3,688
Vanguard ESG US Stock ETF Equity 921910733 343 5,171 SH   SOLE   0 0 5,171
General Mills Inc Equity 370334104 338 4,474 SH   SOLE   0 0 4,474
Xtrackers MSCI USA ESG Leaders Eq ETF Equity 233051150 335 9,602 SH   SOLE   0 0 9,602
Vanguard Total World Stock Index ETF Equity 922042742 330 3,867 SH   SOLE   0 0 3,867
Kirby Corporation Equity 497266106 324 5,326 SH   SOLE   0 0 5,326
SPDR MSCI EAFE Fossil Fuel Free ETF Equity 78470E106 321 4,907 SH   SOLE   0 0 4,907
Target Corp Equity 87612E106 320 2,265 SH   SOLE   0 0 2,265
ProShares Ultra QQQ Equity 74347R206 319 7,697 SH   SOLE   0 0 7,697
ProShares UltraShort 20 Year Treasury Equity 74347B201 312 11,926 SH   SOLE   0 0 11,926
Waste Management Inc Del Equity 94106L109 311 2,032 SH   SOLE   0 0 2,032
Camden Natl Corp Equity 133034108 310 7,039 SH   SOLE   0 0 7,039
Digital Realty Trust Inc Equity 253868103 308 2,374 SH   SOLE   0 0 2,374
CVS Corp Equity 126650100 305 3,297 SH   SOLE   0 0 3,297
Texas Instruments Inc Equity 882508104 298 1,939 SH   SOLE   0 0 1,939
CSW Industrials Inc Equity 126402106 293 2,847 SH   SOLE   0 0 2,847
Consolidated Edison Inc Equity 209115104 293 3,078 SH   SOLE   0 0 3,078
Pepsico Incorporated Equity 713448108 289 1,736 SH   SOLE   0 0 1,736
Meta Platforms Equity 30303M102 284 1,763 SH   SOLE   0 0 1,763
Vanguard Emerging Market Equity 922042858 282 6,770 SH   SOLE   0 0 6,770
SPDR Gold MiniShares Equity 98149E303 268 7,459 SH   SOLE   0 0 7,459
iShares Commodities Select Strategies ETF Equity 46431W853 263 6,435 SH   SOLE   0 0 6,435
Honeywell Intl Inc Equity 438516106 262 1,506 SH   SOLE   0 0 1,506
Qualcomm Inc Equity 747525103 256 2,004 SH   SOLE   0 0 2,004
Caterpillar Inc Equity 149123101 252 1,410 SH   SOLE   0 0 1,410
Guggenheim BulletShrs 2022 Corp Bond ETF Equity 46138J882 246 11,600 SH   SOLE   0 0 11,600
WisdomTree Floating Rate Treasury ETF Equity 97717Y527 244 4,839 SH   SOLE   0 0 4,839
Anheuser Busch Cos Inc Equity 03524A108 228 4,234 SH   SOLE   0 0 4,234
Lockheed Martin Corp Equity 539830109 225 524 SH   SOLE   0 0 524
Tesla Motors Inc Equity 88160R101 218 323 SH   SOLE   0 0 323
Invesco BulletShares 2025 Corp Bond ETF Equity 46138J825 217 10,600 SH   SOLE   0 0 10,600
Citigroup Inc Equity 172967424 213 4,630 SH   SOLE   0 0 4,630
McDonalds Corp Equity 580135101 212 861 SH   SOLE   0 0 861
SPDR S&P Intl Small Cap Equity 78463X871 207 7,150 SH   SOLE   0 0 7,150
3m Company Equity 88579Y101 207 1,598 SH   SOLE   0 0 1,598
SPDR S&P 500 Growth ETF Equity 78464A409 206 3,945 SH   SOLE   0 0 3,945
LUMIRADX ORD Equity G5709L109 163 61,140 SH   SOLE   0 0 61,140
Renovare Environmental Inc Equity 09074B107 1 16,510 SH   SOLE   0 0 16,510