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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P MCP ETF 464287507 2,558 12,306 SH   SOLE   0 0 12,306
ISHARES TR CORE S&P SCP ETF 464287804 1,130 13,359 SH   SOLE   0 0 13,359
ISHARES TR CORE S&P500 ETF 464287200 20,416 61,336 SH   SOLE   0 0 61,336
ISHARES TR RUSSELL 2000 ETF 464287655 9,155 54,639 SH   SOLE   0 0 54,639
ISHARES TR U.S. REAL ES ETF 464287739 286 2,996 SH   SOLE   0 0 2,996
SPDR S&P 500 ETF TR TR UNIT 78462F103 201 608 SH   SOLE   0 0 608
AMAZON COM INC COM 023135106 7,869 4,169 SH   SOLE   0 0 4,169
BRISTOL MYERS SQUIBB CO COM 110122108 2,093 31,034 SH   SOLE   0 0 31,034
EMERSON ELEC CO COM 291011104 243 3,160 SH   SOLE   0 0 3,160
BOEING CO COM 097023105 1,377 4,455 SH   SOLE   0 0 4,455
INVESCO QQQ TR UNIT SER 1 46090E103 22,230 99,298 SH   SOLE   0 0 99,298
AMGEN INC COM 031162100 5,791 24,461 SH   SOLE   0 0 24,461
ABBOTT LABS COM 002824100 1,599 17,411 SH   SOLE   0 0 17,411
ADVANCED MICRO DEVICES INC COM 007903107 206 4,000 SH   SOLE   0 0 4,000
ALTRIA GROUP INC COM 02209S103 1,939 37,997 SH   SOLE   0 0 37,997
INTEL CORP COM 458140100 3,063 48,822 SH   SOLE   0 0 48,822
ILLINOIS TOOL WKS INC COM 452308109 360 2,030 SH   SOLE   0 0 2,030
ORACLE CORP COM 68389X105 325 5,937 SH   SOLE   0 0 5,937
DISNEY WALT CO COM DISNEY 254687106 213 1,477 SH   SOLE   0 0 1,477
HONEYWELL INTL INC COM 438516106 261 1,452 SH   SOLE   0 0 1,452
SEMPRA ENERGY COM 816851109 244 1,549 SH   SOLE   0 0 1,549
SYSCO CORP COM 871829107 221 2,654 SH   SOLE   0 0 2,654
JOHNSON & JOHNSON COM 478160104 2,701 18,218 SH   SOLE   0 0 18,218
PFIZER INC COM 717081103 968 24,078 SH   SOLE   0 0 24,078
ISHARES TR MSCI EAFE ETF 464287465 2,246 32,097 SH   SOLE   0 0 32,097
CHEVRON CORP NEW COM 166764100 3,651 32,338 SH   SOLE   0 0 32,338
MICROSOFT CORP COM 594918104 4,466 26,953 SH   SOLE   0 0 26,953
UNITED PARCEL SERVICE INC CL B 911312106 919 7,834 SH   SOLE   0 0 7,834
AT&T INC COM 00206R102 11,072 283,601 SH   SOLE   0 0 283,601
CISCO SYS INC COM 17275R102 1,094 22,308 SH   SOLE   0 0 22,308
INTERNATIONAL BUSINESS MACHS COM 459200101 1,016 7,058 SH   SOLE   0 0 7,058
COCA COLA CO COM 191216100 895 15,543 SH   SOLE   0 0 15,543
LOCKHEED MARTIN CORP COM 539830109 962 2,266 SH   SOLE   0 0 2,266
PEPSICO INC COM 713448108 1,331 9,284 SH   SOLE   0 0 9,284
VERIZON COMMUNICATIONS INC COM 92343V104 3,036 50,197 SH   SOLE   0 0 50,197
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 1,545 35,201 SH   SOLE   0 0 35,201
ISHARES TR RUS MD CP GR ETF 464287481 847 5,329 SH   SOLE   0 0 5,329
DEERE & CO COM 244199105 769 4,494 SH   SOLE   0 0 4,494
BANK AMER CORP COM 060505104 1,135 33,018 SH   SOLE   0 0 33,018
EXXON MOBIL CORP COM 30231G102 1,214 18,067 SH   SOLE   0 0 18,067
WALMART INC COM 931142103 2,734 23,548 SH   SOLE   0 0 23,548
APPLIED MATLS INC COM 038222105 808 12,649 SH   SOLE   0 0 12,649
TEXAS INSTRS INC COM 882508104 562 4,218 SH   SOLE   0 0 4,218
TOTAL S A SPONSORED ADS 89151E109 722 13,650 SH   SOLE   0 0 13,650
COLGATE PALMOLIVE CO COM 194162103 968 13,718 SH   SOLE   0 0 13,718
COSTCO WHSL CORP NEW COM 22160K105 367 1,176 SH   SOLE   0 0 1,176
LILLY ELI & CO COM 532457108 2,389 16,880 SH   SOLE   0 0 16,880
MERCK & CO INC COM 58933Y105 1,176 13,119 SH   SOLE   0 0 13,119
PROCTER & GAMBLE CO COM 742718109 1,217 9,636 SH   SOLE   0 0 9,636
KIMBERLY CLARK CORP COM 494368103 303 2,100 SH   SOLE   0 0 2,100
GOLDMAN SACHS GROUP INC COM 38141G104 1,630 6,597 SH   SOLE   0 0 6,597
MCDONALDS CORP COM 580135101 2,322 10,980 SH   SOLE   0 0 10,980
NIKE INC CL B 654106103 483 4,624 SH   SOLE   0 0 4,624
WELLS FARGO CO NEW COM 949746101 6,338 130,524 SH   SOLE   0 0 130,524
WESTAMERICA BANCORPORATION COM 957090103 974 14,661 SH   SOLE   0 0 14,661
ISHARES TR 1 3 YR TREAS BD 464287457 5,270 62,142 SH   SOLE   0 0 62,142
UNITED TECHNOLOGIES CORP COM 913017109 1,210 7,867 SH   SOLE   0 0 7,867
3M CO COM 88579Y101 234 1,314 SH   SOLE   0 0 1,314
CSX CORP COM 126408103 224 3,000 SH   SOLE   0 0 3,000
APPLE INC COM 037833100 11,072 34,850 SH   SOLE   0 0 34,850
NEKTAR THERAPEUTICS COM 640268108 584 26,400 SH   SOLE   0 0 26,400
CATERPILLAR INC DEL COM 149123101 1,301 9,119 SH   SOLE   0 0 9,119
ISHARES TR MSCI EMG MKT ETF 464287234 3,489 76,793 SH   SOLE   0 0 76,793
DTE ENERGY CO COM 233331107 935 7,054 SH   SOLE   0 0 7,054
GENERAL MLS INC COM 370334104 381 7,063 SH   SOLE   0 0 7,063
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,277 50,558 SH   SOLE   0 0 50,558
PAYCHEX INC COM 704326107 296 3,300 SH   SOLE   0 0 3,300
ISHARES TR CORE US AGGBD ET 464287226 18,589 163,883 SH   SOLE   0 0 163,883
ISHARES TR TIPS BD ETF 464287176 2,092 17,815 SH   SOLE   0 0 17,815
NVIDIA CORP COM 67066G104 10,566 42,254 SH   SOLE   0 0 42,254
ALPHABET INC CAP STK CL A 02079K305 2,903 1,956 SH   SOLE   0 0 1,956
VANGUARD INDEX FDS VALUE ETF 922908744 1,661 13,720 SH   SOLE   0 0 13,720
VANGUARD INDEX FDS MID CAP ETF 922908629 3,543 19,334 SH   SOLE   0 0 19,334
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,981 21,673 SH   SOLE   0 0 21,673
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,856 19,540 SH   SOLE   0 0 19,540
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 644 11,210 SH   SOLE   0 0 11,210
SEAGATE TECHNOLOGY PLC SHS G7945M107 462 7,548 SH   SOLE   0 0 7,548
BAIDU INC SPON ADR REP A 056752108 2,312 17,150 SH   SOLE   0 0 17,150
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,528 7,445 SH   SOLE   0 0 7,445
SPDR SERIES TRUST S&P DIVID ETF 78464A763 668 6,181 SH   SOLE   0 0 6,181
ISHARES TR EAFE GRWTH ETF 464288885 1,346 15,249 SH   SOLE   0 0 15,249
BANK OF MARIN BANCORP COM 063425102 3,129 70,945 SH   SOLE   0 0 70,945
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,048 6,324 SH   SOLE   0 0 6,324
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,982 32,925 SH   SOLE   0 0 32,925
PROSHARES TR SHORT S&P 500 NE 74347B425 3,268 140,000 SH   SOLE   0 0 140,000
ISHARES TR IBOXX HI YD ETF 464288513 1,400 15,846 SH   SOLE   0 0 15,846
ISHARES TR SH TR CRPORT ETF 464288646 3,175 58,962 SH   SOLE   0 0 58,962
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 5,996 74,138 SH   SOLE   0 0 74,138
ISHARES TR PFD AND INCM SEC 464288687 330 8,678 SH   SOLE   0 0 8,678
ISHARES TR INTL SEL DIV ETF 464288448 212 6,280 SH   SOLE   0 0 6,280
ISHARES TR 3 7 YR TREAS BD 464288661 3,603 28,461 SH   SOLE   0 0 28,461
ISHARES TR NATIONAL MUN ETF 464288414 10,709 93,020 SH   SOLE   0 0 93,020
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 1,088 37,946 SH   SOLE   0 0 37,946
SPDR SERIES TRUST BLOOMBERG BRCLYS 78468R622 894 8,123 SH   SOLE   0 0 8,123
ISHARES TR EAFE SML CP ETF 464288273 1,509 24,245 SH   SOLE   0 0 24,245
PHILIP MORRIS INTL INC COM 718172109 427 4,797 SH   SOLE   0 0 4,797
HENNESSY ADVISORS INC COM 425885100 1,016 98,636 SH   SOLE   0 0 98,636
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,770 258,463 SH   SOLE   0 0 258,463
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 23,658 298,712 SH   SOLE   0 0 298,712
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,325 43,457 SH   SOLE   0 0 43,457
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,609 36,997 SH   SOLE   0 0 36,997
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,328 84,124 SH   SOLE   0 0 84,124
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,203 38,650 SH   SOLE   0 0 38,650
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,164 10,391 SH   SOLE   0 0 10,391
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,154 51,421 SH   SOLE   0 0 51,421
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,233 97,057 SH   SOLE   0 0 97,057
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,723 96,658 SH   SOLE   0 0 96,658
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 486 14,928 SH   SOLE   0 0 14,928
FACEBOOK INC CL A 30303M102 1,905 8,609 SH   SOLE   0 0 8,609
ABBVIE INC COM 00287Y109 3,847 44,117 SH   SOLE   0 0 44,117
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,276 22,378 SH   SOLE   0 0 22,378
TWITTER INC COM 90184L102 1,333 39,176 SH   SOLE   0 0 39,176
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 12,906 58,040 SH   SOLE   0 0 58,040
TWILIO INC CL A 90138F102 2,184 18,333 SH   SOLE   0 0 18,333
DUPONT DE NEMOURS INC COM 26614N102 264 4,347 SH   SOLE   0 0 4,347
DOW INC COM 260557103 225 4,429 SH   SOLE   0 0 4,429
PINTEREST INC CL A 72352L106 1,775 79,176 SH   SOLE   0 0 79,176
CORTEXYME INC COM 22053A107 470 8,278 SH   SOLE   0 0 8,278
UBER TECHNOLOGIES INC COM 90353T100 3,736 100,862 SH   SOLE   0 0 100,862
PROSHARES TR SHORT S&P 500 NE 74347B425 8 60,000 SH Call SOLE   0 0 60,000
PROSHARES TR SHORT S&P 500 NE 74347B425 116 245,000 SH Call SOLE   0 0 245,000
PROSHARES TR SHORT S&P 500 NE 74347B425 54 40,000 SH Call SOLE   0 0 40,000