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 3,032 22,211 SH   SOLE   21,563 0 648
ABBOTT LABS COM 002824100 5,992 75,941 SH   SOLE   73,165 0 2,776
ABBVIE INC COM 00287Y109 552 7,246 SH   SOLE   7,246 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,239 7,588 SH   SOLE   7,588 0 0
ADOBE INC COM 00724F101 246 773 SH   SOLE   773 0 0
AFLAC INC COM 001055102 286 8,365 SH   SOLE   8,365 0 0
ALPHABET INC CAP STK CL A 02079K305 9,006 7,751 SH   SOLE   7,606 0 145
ALPHABET INC CAP STK CL C 02079K107 986 848 SH   SOLE   848 0 0
AMAZON COM INC COM 023135106 12,803 6,566 SH   SOLE   6,363 0 203
APPLE INC COM 037833100 14,323 56,324 SH   SOLE   55,032 0 1,292
AT&T INC COM 00206R102 5,230 179,420 SH   SOLE   172,468 0 6,952
BANCO SANTANDER SA ADR 05964H105 24 10,273 SH   SOLE   10,273 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 387 2,119 SH   SOLE   2,119 0 0
BLACKROCK INC COM 09247X101 4,103 9,325 SH   SOLE   8,957 0 368
BRISTOL-MYERS SQUIBB CO COM 110122108 217 3,891 SH   SOLE   3,191 0 700
BROWN FORMAN CORP CL B 115637209 744 13,410 SH   SOLE   13,410 0 0
CHEVRON CORP NEW COM 166764100 3,450 47,614 SH   SOLE   45,820 0 1,794
CHUBB LIMITED COM H1467J104 4,009 35,891 SH   SOLE   34,816 0 1,075
CISCO SYS INC COM 17275R102 1,119 28,455 SH   SOLE   27,395 0 1,060
CME GROUP INC COM 12572Q105 6,617 38,267 SH   SOLE   36,572 0 1,695
COLGATE PALMOLIVE CO COM 194162103 642 9,676 SH   SOLE   9,676 0 0
CONSTELLATION BRANDS INC CL A 21036P108 1,972 13,759 SH   SOLE   13,272 0 487
COSTCO WHSL CORP NEW COM 22160K105 1,221 4,283 SH   SOLE   4,283 0 0
CVS HEALTH CORP COM 126650100 3,673 61,913 SH   SOLE   59,687 0 2,226
DAILY JOURNAL CORP COM 233912104 368 1,613 SH   SOLE   1,613 0 0
DANAHER CORPORATION COM 235851102 5,706 41,226 SH   SOLE   39,934 0 1,292
DISNEY WALT CO COM DISNEY 254687106 5,446 56,378 SH   SOLE   55,013 0 1,365
DOLLAR GEN CORP NEW COM 256677105 1,280 8,479 SH   SOLE   8,479 0 0
ECOLAB INC COM 278865100 5,487 35,209 SH   SOLE   34,288 0 921
EXXON MOBIL CORP COM 30231G102 233 6,145 SH   SOLE   5,660 0 485
FACEBOOK INC CL A 30303M102 8,033 48,157 SH   SOLE   47,414 0 743
FIDELITY NATL INFORMATION SV COM 31620M106 4,143 34,062 SH   SOLE   33,173 0 889
FISERV INC COM 337738108 765 8,051 SH   SOLE   8,051 0 0
FIVE9 INC COM 338307101 403 5,268 SH   SOLE   5,268 0 0
GENERAL ELECTRIC CO COM 369604103 2,388 300,744 SH   SOLE   289,972 0 10,772
GILEAD SCIENCES INC COM 375558103 3,426 45,822 SH   SOLE   44,140 0 1,682
HERSHEY CO COM 427866108 3,318 25,038 SH   SOLE   24,095 0 943
HEWLETT PACKARD ENTERPRISE C COM 42824C109 101 10,355 SH   SOLE   10,355 0 0
HOME DEPOT INC COM 437076102 1,038 5,557 SH   SOLE   5,557 0 0
HONEYWELL INTL INC COM 438516106 4,474 33,441 SH   SOLE   32,587 0 854
INTEL CORP COM 458140100 6,449 119,161 SH   SOLE   114,968 0 4,193
INTERNATIONAL BUSINESS MACHS COM 459200101 322 2,907 SH   SOLE   2,907 0 0
INTUIT COM 461202103 431 1,873 SH   SOLE   1,873 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 665 3,491 SH   SOLE   3,491 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,065 7,406 SH   SOLE   7,039 0 367
ISHARES TR CORE S&P500 ETF 464287200 21,770 84,248 SH   SOLE   84,248 0 0
ISHARES TR RUS 1000 ETF 464287622 1,606 11,345 SH   SOLE   11,345 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 315 3,172 SH   SOLE   3,172 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 485 3,217 SH   SOLE   3,217 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 82,297 719,003 SH   SOLE   694,598 0 24,405
ISHARES TR RUSSELL 3000 ETF 464287689 2,845 19,183 SH   SOLE   19,183 0 0
ISHARES TR CORE S&P US VLU 464287663 212 4,597 SH   SOLE   4,597 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 2,224 14,059 SH   SOLE   14,003 0 56
ISHARES TR MSCI EAFE ETF 464287465 88,720 1,659,562 SH   SOLE   1,608,297 0 51,265
ISHARES TR IBOXX INV CP ETF 464287242 408 3,307 SH   SOLE   3,307 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 202 5,919 SH   SOLE   5,919 0 0
ISHARES TR S&P 100 ETF 464287101 24,508 206,609 SH   SOLE   200,617 0 5,992
ISHARES TR CORE US AGGBD ET 464287226 10,212 88,514 SH   SOLE   87,974 0 540
ISHARES TR MBS ETF 464288588 259 2,342 SH   SOLE   2,342 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,569 22,731 SH   SOLE   14,776 0 7,955
ISHARES TR MSCI ACWI EX US 464288240 2,201 58,458 SH   SOLE   58,458 0 0
ISHARES TR ULTR SH TRM BD 46434V878 18,511 370,588 SH   SOLE   370,564 0 24
ISHARES TR ESG MSCI EAFE 46435G516 370 6,962 SH   SOLE   6,962 0 0
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 9,758 201,236 SH   SOLE   201,236 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 12,410 249,848 SH   SOLE   249,848 0 0
JOHNSON & JOHNSON COM 478160104 6,920 52,773 SH   SOLE   51,558 0 1,215
JPMORGAN CHASE & CO COM 46625H100 6,911 76,767 SH   SOLE   74,129 0 2,638
KEYSIGHT TECHNOLOGIES INC COM 49338L103 2,297 27,453 SH   SOLE   26,514 0 939
MCDONALDS CORP COM 580135101 246 1,489 SH   SOLE   1,489 0 0
MERCK & CO. INC COM 58933Y105 2,647 34,398 SH   SOLE   33,475 0 923
MICROSOFT CORP COM 594918104 11,523 73,063 SH   SOLE   70,551 0 2,512
MONDELEZ INTL INC CL A 609207105 4,430 88,464 SH   SOLE   83,969 0 4,495
NETFLIX INC COM 64110L106 242 645 SH   SOLE   645 0 0
NVIDIA CORP COM 67066G104 3,213 12,188 SH   SOLE   11,798 0 390
OKTA INC CL A 679295105 226 1,845 SH   SOLE   1,845 0 0
ORACLE CORP COM 68389X105 603 12,475 SH   SOLE   12,475 0 0
PARKER HANNIFIN CORP COM 701094104 3,364 25,934 SH   SOLE   24,872 0 1,062
PAYPAL HLDGS INC COM 70450Y103 3,241 33,857 SH   SOLE   32,816 0 1,041
PEPSICO INC COM 713448108 353 2,943 SH   SOLE   2,943 0 0
PFIZER INC COM 717081103 4,238 129,843 SH   SOLE   122,344 0 7,499
PROCTER & GAMBLE CO COM 742718109 6,051 55,013 SH   SOLE   52,875 0 2,138
PROGRESSIVE CORP OHIO COM 743315103 727 9,840 SH   SOLE   9,840 0 0
REPAY HLDGS CORP COM CL A 76029L100 1,097 76,419 SH   SOLE   76,419 0 0
SALESFORCE COM INC COM 79466L302 6,065 42,125 SH   SOLE   41,049 0 1,076
SCHWAB CHARLES CORP COM 808513105 3,155 93,838 SH   SOLE   91,849 0 1,989
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 36,092 449,076 SH   SOLE   437,720 0 11,356
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,620 18,293 SH   SOLE   18,293 0 0
SHERWIN WILLIAMS CO COM 824348106 4,739 10,312 SH   SOLE   9,949 0 363
SPDR S&P 500 ETF TR TR UNIT 78462F103 258,694 1,003,662 SH   SOLE   966,552 0 37,110
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 2,977 11,323 SH   SOLE   11,174 0 149
SPDR SER TR S&P 600 SML CAP 78464A813 1,726 35,630 SH   SOLE   35,630 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 1,719 56,884 SH   SOLE   56,884 0 0
SPIRIT RLTY CAP INC NEW NOTE 3.750% 5/1 84860WAB8 17 18,000 PRN   SOLE   18,000 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 307 6,421 SH   SOLE   6,421 0 0
TRILLIUM THERAPEUTICS INC COM NEW 89620X506 48 11,990 SH   SOLE   11,990 0 0
UNION PAC CORP COM 907818108 386 2,735 SH   SOLE   2,735 0 0
UNITED PARCEL SERVICE INC CL B 911312106 3,969 42,483 SH   SOLE   41,135 0 1,348
UNITED TECHNOLOGIES CORP COM 913017109 276 2,924 SH   SOLE   2,924 0 0
UNITEDHEALTH GROUP INC COM 91324P102 979 3,925 SH   SOLE   3,925 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,141 32,126 SH   SOLE   32,126 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 5,496 41,750 SH   SOLE   41,750 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 43,344 620,532 SH   SOLE   601,391 0 19,141
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,679 31,869 SH   SOLE   31,869 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 3,370 21,505 SH   SOLE   21,505 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 443 3,741 SH   SOLE   3,741 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 92,996 392,688 SH   SOLE   385,635 0 7,053
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 72,809 2,170,156 SH   SOLE   2,106,587 0 63,569
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,881 45,863 SH   SOLE   45,863 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 749 9,474 SH   SOLE   9,474 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 803 7,767 SH   SOLE   7,767 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 622 14,830 SH   SOLE   14,830 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,396 71,879 SH   SOLE   71,879 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 340 4,802 SH   SOLE   4,802 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,281 23,833 SH   SOLE   22,987 0 846
VISA INC COM CL A 92826C839 11,277 69,991 SH   SOLE   67,766 0 2,225
WASTE MGMT INC DEL COM 94106L109 6,357 68,675 SH   SOLE   66,411 0 2,264
WELLS FARGO CO NEW COM 949746101 302 10,512 SH   SOLE   10,512 0 0
WISDOMTREE TR US DIVID EX FNCL 97717W406 518 8,022 SH   SOLE   8,022 0 0