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
3M CO COM 88579Y101 3,777 21,410 SH   SOLE   20,762 0 648
ABBOTT LABS COM 002824100 6,506 74,900 SH   SOLE   72,126 0 2,774
ABBVIE INC COM 00287Y109 551 6,220 SH   SOLE   6,220 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,618 7,685 SH   SOLE   7,685 0 0
AFLAC INC COM 001055102 430 8,126 SH   SOLE   8,126 0 0
ALPHABET INC CAP STK CL A 02079K305 10,232 7,639 SH   SOLE   7,484 0 155
ALPHABET INC CAP STK CL C 02079K107 1,218 911 SH   SOLE   911 0 0
AMAZON COM INC COM 023135106 10,888 5,892 SH   SOLE   5,678 0 214
AMGEN INC COM 031162100 219 910 SH   SOLE   910 0 0
APPLE INC COM 037833100 15,044 51,230 SH   SOLE   49,793 0 1,437
AT&T INC COM 00206R102 6,923 177,159 SH   SOLE   170,107 0 7,052
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 557 2,461 SH   SOLE   2,461 0 0
BLACKROCK INC COM 09247X101 4,588 9,126 SH   SOLE   8,758 0 368
BOEING CO COM 097023105 424 1,301 SH   SOLE   1,301 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 298 4,650 SH   SOLE   3,950 0 700
BROWN FORMAN CORP CL B 115637209 903 13,357 SH   SOLE   13,357 0 0
CHEVRON CORP NEW COM 166764100 5,804 48,160 SH   SOLE   46,301 0 1,859
CHUBB LIMITED COM H1467J104 5,604 36,003 SH   SOLE   34,928 0 1,075
CISCO SYS INC COM 17275R102 1,346 28,072 SH   SOLE   27,012 0 1,060
CITIGROUP INC COM NEW 172967424 382 4,786 SH   SOLE   4,786 0 0
CME GROUP INC COM 12572Q105 7,610 37,913 SH   SOLE   36,193 0 1,720
COLGATE PALMOLIVE CO COM 194162103 693 10,071 SH   SOLE   10,071 0 0
CONSTELLATION BRANDS INC CL A 21036P108 2,549 13,435 SH   SOLE   12,923 0 512
COSTCO WHSL CORP NEW COM 22160K105 1,218 4,145 SH   SOLE   4,145 0 0
CROWN HOLDINGS INC COM 228368106 557 7,684 SH   SOLE   7,684 0 0
CVS HEALTH CORP COM 126650100 4,379 58,944 SH   SOLE   56,718 0 2,226
DAILY JOURNAL CORP COM 233912104 468 1,613 SH   SOLE   1,613 0 0
DANAHER CORPORATION COM 235851102 6,321 41,186 SH   SOLE   39,880 0 1,306
DISNEY WALT CO COM DISNEY 254687106 8,041 55,596 SH   SOLE   54,196 0 1,400
DOLLAR GEN CORP NEW COM 256677105 1,326 8,502 SH   SOLE   8,502 0 0
ECOLAB INC COM 278865100 6,034 31,266 SH   SOLE   30,296 0 970
EXXON MOBIL CORP COM 30231G102 4,465 63,980 SH   SOLE   62,459 0 1,521
FACEBOOK INC CL A 30303M102 9,788 47,686 SH   SOLE   46,899 0 787
FIDELITY NATL INFORMATION SV COM 31620M106 4,623 33,240 SH   SOLE   32,351 0 889
FIRST AMERN FINL CORP COM 31847R102 288 4,931 SH   SOLE   4,931 0 0
FISERV INC COM 337738108 959 8,291 SH   SOLE   8,291 0 0
FIVE9 INC COM 338307101 345 5,268 SH   SOLE   5,268 0 0
GENERAL AMERN INVS INC COM 368802104 338 8,962 SH   SOLE   8,962 0 0
GENERAL ELECTRIC CO COM 369604103 3,503 313,930 SH   SOLE   302,783 0 11,147
GILEAD SCIENCES INC COM 375558103 2,959 45,530 SH   SOLE   43,848 0 1,682
HERSHEY CO COM 427866108 3,675 25,004 SH   SOLE   24,031 0 973
HOLOGIC INC COM 436440101 207 3,964 SH   SOLE   3,964 0 0
HOME DEPOT INC COM 437076102 1,182 5,413 SH   SOLE   5,413 0 0
HONEYWELL INTL INC COM 438516106 5,870 33,165 SH   SOLE   32,311 0 854
INTEL CORP COM 458140100 6,968 116,430 SH   SOLE   112,237 0 4,193
INTERNATIONAL BUSINESS MACHS COM 459200101 505 3,768 SH   SOLE   3,768 0 0
INTUIT COM 461202103 358 1,365 SH   SOLE   1,365 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 1,002 1,695 SH   SOLE   1,695 0 0
INVESCO QQQ TR UNIT SER 1 46090E193 742 3,491 SH   SOLE   3,491 0 0
ISHARES INC CORE MSCI EMKT 46434G103 252 4,691 SH   SOLE   4,691 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,672 8,123 SH   SOLE   7,635 0 488
ISHARES TR CORE S&P500 ETF 464287200 21,246 65,728 SH   SOLE   65,728 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 208 1,073 SH   SOLE   1,073 0 0
ISHARES TR RUS 1000 ETF 464287622 2,101 11,775 SH   SOLE   11,775 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 515 3,772 SH   SOLE   3,772 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 569 3,236 SH   SOLE   3,236 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 77,458 467,544 SH   SOLE   452,063 0 15,481
ISHARES TR RUS 2000 VAL ETF 464287630 249 1,937 SH   SOLE   1,937 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 3,654 19,384 SH   SOLE   19,384 0 0
ISHARES TR CORE S&P US VLU 464287663 290 4,597 SH   SOLE   4,597 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 3,064 14,305 SH   SOLE   14,249 0 56
ISHARES TR MSCI EAFE ETF 464287465 98,579 1,419,629 SH   SOLE   1,372,435 0 47,194
ISHARES TR MSCI EMG MKT ETF 464287234 266 5,919 SH   SOLE   5,919 0 0
ISHARES TR S&P 100 ETF 464287101 26,190 181,760 SH   SOLE   177,624 0 4,136
ISHARES TR CORE US AGGBD ET 464287226 24,528 218,276 SH   SOLE   216,477 0 1,799
ISHARES TR NATIONAL MUN ETF 464288414 3,788 33,256 SH   SOLE   23,590 0 9,666
ISHARES TR MSCI ACWI EX US 464288240 2,871 58,458 SH   SOLE   58,458 0 0
ISHARES TR ULTR SH TRM BD 46434V878 17,501 347,719 SH   SOLE   335,415 0 12,304
ISHARES TR ESG MSCI EAFE 46435G516 444 6,465 SH   SOLE   6,465 0 0
ISHARES US ETF TR SHT MAT BD ETF 46431W507 9,771 194,449 SH   SOLE   194,449 0 0
JOHNSON & JOHNSON COM 478160104 7,896 54,134 SH   SOLE   52,919 0 1,215
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 11,702 232,037 SH   SOLE   232,037 0 0
JPMORGAN CHASE & CO COM 46625H100 10,781 77,339 SH   SOLE   74,620 0 2,719
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 431 4,567 SH   SOLE   4,567 0 0
MCDONALDS CORP COM 580135101 297 1,502 SH   SOLE   1,502 0 0
MERCK & CO INC COM 58933Y105 586 6,442 SH   SOLE   6,442 0 0
MICROSOFT CORP COM 594918104 11,246 71,316 SH   SOLE   68,742 0 2,574
MONDELEZ INTL INC CL A 609207105 4,830 87,686 SH   SOLE   83,157 0 4,529
MOODYS CORP COM 615369105 213 899 SH   SOLE   899 0 0
NORFOLK SOUTHERN CORP COM 655844108 247 1,272 SH   SOLE   972 0 300
NVIDIA CORP COM 67066G104 267 1,135 SH   SOLE   1,135 0 0
OKTA INC CL A 679295105 208 1,800 SH   SOLE   1,800 0 0
ORACLE CORP COM 68389X105 447 8,430 SH   SOLE   8,381 0 49
PARKER HANNIFIN CORP COM 701094104 5,399 26,230 SH   SOLE   25,217 0 1,013
PAYPAL HLDGS INC COM 70450Y103 3,644 33,691 SH   SOLE   32,632 0 1,059
PEPSICO INC COM 713448108 567 4,152 SH   SOLE   4,152 0 0
PFIZER INC COM 717081103 5,082 129,704 SH   SOLE   122,647 0 7,057
PROCTER & GAMBLE CO COM 742718109 7,049 56,439 SH   SOLE   54,188 0 2,251
PROGRESSIVE CORP OHIO COM 743315103 983 13,577 SH   SOLE   13,577 0 0
RAYTHEON CO COM NEW 755111507 565 2,572 SH   SOLE   2,572 0 0
REALTY INCOME CORP COM 756109104 256 3,482 SH   SOLE   3,482 0 0
RIO TINTO PLC SPONSORED ADR 767204100 770 12,970 SH   SOLE   12,970 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 245 4,161 SH   SOLE   4,161 0 0
SALESFORCE COM INC COM 79466L302 6,496 39,943 SH   SOLE   38,839 0 1,104
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 672 7,334 SH   SOLE   7,334 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,868 18,343 SH   SOLE   18,343 0 0
SHERWIN WILLIAMS CO COM 824348106 5,527 9,471 SH   SOLE   9,108 0 363
SPDR S&P 500 ETF TR TR UNIT 78462F103 234,566 728,782 SH   SOLE   701,134 0 27,648
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,376 11,657 SH   SOLE   11,508 0 149
SPDR SERIES TRUST S&P 600 SML CAP 78464A813 3,379 46,634 SH   SOLE   46,634 0 0
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 4,072 138,610 SH   SOLE   138,610 0 0
SPIRIT RLTY CAP INC NEW NOTE 3.750% 5/1 84860WAB8 19 18,000 PRN   SOLE   18,000 0 0
SYSCO CORP COM 871829107 377 4,402 SH   SOLE   4,402 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 1,021 17,568 SH   SOLE   17,568 0 0
THE CHARLES SCHWAB CORPORATI COM 808513105 4,231 88,951 SH   SOLE   86,962 0 1,989
TORONTO DOMINION BK ONT COM NEW 891160509 692 12,326 SH   SOLE   12,326 0 0
TRUIST FINL CORP COM 89832Q109 733 13,007 SH   SOLE   13,007 0 0
UNILEVER PLC SPON ADR NEW 904767704 676 11,818 SH   SOLE   11,818 0 0
UNION PACIFIC CORP COM 907818108 521 2,880 SH   SOLE   2,880 0 0
UNITED PARCEL SERVICE INC CL B 911312106 4,769 40,740 SH   SOLE   39,370 0 1,370
UNITED TECHNOLOGIES CORP COM 913017109 437 2,920 SH   SOLE   2,920 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,124 3,825 SH   SOLE   3,825 0 0
V F CORP COM 918204108 5,409 54,275 SH   SOLE   52,212 0 2,063
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 6,229 110,096 SH   SOLE   110,096 0 0
VANGUARD GROUP DIV APP ETF 921908844 922 7,393 SH   SOLE   7,393 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,939 42,408 SH   SOLE   42,408 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 7,439 41,750 SH   SOLE   41,750 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 54,291 585,094 SH   SOLE   567,316 0 17,778
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,493 33,163 SH   SOLE   33,163 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 3,894 21,376 SH   SOLE   21,376 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 553 3,741 SH   SOLE   3,741 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 70,181 237,260 SH   SOLE   235,463 0 1,797
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 86,595 1,947,260 SH   SOLE   1,890,248 0 57,012
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,882 72,216 SH   SOLE   72,216 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 246 3,042 SH   SOLE   3,042 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 973 12,007 SH   SOLE   12,007 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 1,505 27,026 SH   SOLE   27,026 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 15,071 342,056 SH   SOLE   342,056 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 504 5,379 SH   SOLE   5,379 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,506 24,530 SH   SOLE   23,684 0 846
VISA INC COM CL A 92826C839 13,049 69,449 SH   SOLE   67,140 0 2,309
WASTE MGMT INC DEL COM 94106L109 4,111 36,072 SH   SOLE   35,053 0 1,019
WELLS FARGO CO NEW COM 949746101 613 11,395 SH   SOLE   11,395 0 0
WEYERHAEUSER CO COM 962166104 4,783 158,362 SH   SOLE   152,526 0 5,836
WISDOMTREE TR US DIVID EX FNCL 97717W406 745 8,050 SH   SOLE   8,050 0 0