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 SCP ETF 464287804 1,155 15,398 SH   SOLE   0 0 15,398
ISHARES TR CORE S&P500 ETF 464287200 4,136 12,311 SH   SOLE   0 0 12,311
ISHARES TR RUSSELL 2000 ETF 464287655 1,062 6,803 SH   SOLE   0 0 6,803
ISHARES TR U.S. REAL ES ETF 464287739 248 2,996 SH   SOLE   0 0 2,996
SPDR S&P 500 ETF TR TR UNIT 78462F103 16,066 48,019 SH   SOLE   0 0 48,019
AMAZON COM INC COM 023135106 24,256 7,658 SH   SOLE   0 0 7,658
BRISTOL-MYERS SQUIBB CO COM 110122108 1,882 30,845 SH   SOLE   0 0 30,845
EMERSON ELEC CO COM 291011104 210 3,160 SH   SOLE   0 0 3,160
BOEING CO COM 097023105 13,770 80,988 SH   SOLE   0 0 80,988
INVESCO QQQ TR UNIT SER 1 46090E103 47,636 175,475 SH   SOLE   0 0 175,475
AMGEN INC COM 031162100 7,865 32,677 SH   SOLE   0 0 32,677
ABBOTT LABS COM 002824100 1,769 17,472 SH   SOLE   0 0 17,472
ADVANCED MICRO DEVICES INC COM 007903107 272 3,200 SH   SOLE   0 0 3,200
ALTRIA GROUP INC COM 02209S103 1,452 34,436 SH   SOLE   0 0 34,436
INTEL CORP COM 458140100 2,120 44,136 SH   SOLE   0 0 44,136
ILLINOIS TOOL WKS INC COM 452308109 387 2,030 SH   SOLE   0 0 2,030
ORACLE CORP COM 68389X105 329 5,964 SH   SOLE   0 0 5,964
DISNEY WALT CO COM DISNEY 254687106 491 3,780 SH   SOLE   0 0 3,780
SEMPRA ENERGY COM 816851109 203 1,560 SH   SOLE   0 0 1,560
JOHNSON & JOHNSON COM 478160104 2,436 16,395 SH   SOLE   0 0 16,395
PFIZER INC COM 717081103 798 20,758 SH   SOLE   0 0 20,758
CHEVRON CORP NEW COM 166764100 918 10,577 SH   SOLE   0 0 10,577
MICROSOFT CORP COM 594918104 19,535 91,939 SH   SOLE   0 0 91,939
UNITED PARCEL SERVICE INC CL B 911312106 1,224 7,803 SH   SOLE   0 0 7,803
AT&T INC COM 00206R102 3,530 117,596 SH   SOLE   0 0 117,596
CISCO SYS INC COM 17275R102 688 14,509 SH   SOLE   0 0 14,509
INTERNATIONAL BUSINESS MACHS COM 459200101 563 4,509 SH   SOLE   0 0 4,509
COCA COLA CO COM 191216100 730 15,266 SH   SOLE   0 0 15,266
LOCKHEED MARTIN CORP COM 539830109 737 1,911 SH   SOLE   0 0 1,911
PEPSICO INC COM 713448108 1,261 9,222 SH   SOLE   0 0 9,222
VERIZON COMMUNICATIONS INC COM 92343V104 3,033 51,823 SH   SOLE   0 0 51,823
SPDR SER TR PRTFLO S&P500 GW 78464A409 1,635 33,187 SH   SOLE   0 0 33,187
ISHARES TR RUS MD CP GR ETF 464287481 859 5,023 SH   SOLE   0 0 5,023
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 2,699 23,734 SH   SOLE   0 0 23,734
DEERE & CO COM 244199105 831 4,530 SH   SOLE   0 0 4,530
BK OF AMERICA CORP COM 060505104 916 35,087 SH   SOLE   0 0 35,087
EXXON MOBIL CORP COM 30231G102 671 15,439 SH   SOLE   0 0 15,439
APPLIED MATLS INC COM 038222105 806 12,682 SH   SOLE   0 0 12,682
TEXAS INSTRS INC COM 882508104 422 3,161 SH   SOLE   0 0 3,161
COLGATE PALMOLIVE CO COM 194162103 1,046 13,721 SH   SOLE   0 0 13,721
COSTCO WHSL CORP NEW COM 22160K105 401 1,176 SH   SOLE   0 0 1,176
LILLY ELI & CO COM 532457108 2,575 16,838 SH   SOLE   0 0 16,838
MERCK & CO. INC COM 58933Y105 1,061 13,098 SH   SOLE   0 0 13,098
PROCTER AND GAMBLE CO COM 742718109 1,263 9,457 SH   SOLE   0 0 9,457
KIMBERLY CLARK CORP COM 494368103 330 2,100 SH   SOLE   0 0 2,100
GOLDMAN SACHS GROUP INC COM 38141G104 1,264 6,070 SH   SOLE   0 0 6,070
HOME DEPOT INC COM 437076102 4,490 16,530 SH   SOLE   0 0 16,530
MCDONALDS CORP COM 580135101 3,990 19,503 SH   SOLE   0 0 19,503
NIKE INC CL B 654106103 488 4,787 SH   SOLE   0 0 4,787
JPMORGAN CHASE & CO COM 46625H100 2,824 28,418 SH   SOLE   0 0 28,418
WELLS FARGO CO NEW COM 949746101 2,101 83,804 SH   SOLE   0 0 83,804
WESTAMERICA BANCORPORATION COM 957090103 834 13,254 SH   SOLE   0 0 13,254
ISHARES TR 1 3 YR TREAS BD 464287457 2,775 32,062 SH   SOLE   0 0 32,062
ISHARES TR 20 YR TR BD ETF 464287432 425 2,500 SH   SOLE   0 0 2,500
ISHARES TR IBOXX INV CP ETF 464287242 903 6,506 SH   SOLE   0 0 6,506
RAYTHEON TECHNOLOGIES CORP COM 75513E101 464 7,579 SH   SOLE   0 0 7,579
3M CO COM 88579Y101 216 1,366 SH   SOLE   0 0 1,366
CSX CORP COM 126408103 219 3,000 SH   SOLE   0 0 3,000
APPLE INC COM 037833100 24,344 54,773 SH   SOLE   0 0 54,773
NEKTAR THERAPEUTICS COM 640268108 1,570 71,836 SH   SOLE   0 0 71,836
CATERPILLAR INC DEL COM 149123101 1,238 9,175 SH   SOLE   0 0 9,175
ISHARES TR MSCI EMG MKT ETF 464287234 1,634 37,239 SH   SOLE   0 0 37,239
DTE ENERGY CO COM 233331107 839 7,055 SH   SOLE   0 0 7,055
GENERAL MLS INC COM 370334104 455 7,075 SH   SOLE   0 0 7,075
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,304 53,042 SH   SOLE   0 0 53,042
PAYCHEX INC COM 704326107 242 3,300 SH   SOLE   0 0 3,300
NETFLIX INC COM 64110L106 6,603 13,347 SH   SOLE   0 0 13,347
ISHARES TR CORE US AGGBD ET 464287226 9,370 78,459 SH   SOLE   0 0 78,459
ISHARES TR TIPS BD ETF 464287176 2,255 17,871 SH   SOLE   0 0 17,871
CLOROX CO DEL COM 189054109 271 1,140 SH   SOLE   0 0 1,140
NVIDIA CORPORATION COM 67066G104 22,641 50,541 SH   SOLE   0 0 50,541
ALPHABET INC CAP STK CL A 02079K305 7,445 4,969 SH   SOLE   0 0 4,969
VANGUARD INDEX FDS VALUE ETF 922908744 1,652 15,574 SH   SOLE   0 0 15,574
VANGUARD INDEX FDS MID CAP ETF 922908629 4,178 23,591 SH   SOLE   0 0 23,591
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,519 21,719 SH   SOLE   0 0 21,719
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,514 18,374 SH   SOLE   0 0 18,374
SEAGATE TECHNOLOGY PLC SHS G7945M107 292 6,448 SH   SOLE   0 0 6,448
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,566 11,872 SH   SOLE   0 0 11,872
SPDR SER TR S&P DIVID ETF 78464A763 531 5,500 SH   SOLE   0 0 5,500
ISHARES TR EAFE GRWTH ETF 464288885 1,317 14,956 SH   SOLE   0 0 14,956
BANK OF MARIN BANCORP COM 063425102 2,326 69,134 SH   SOLE   0 0 69,134
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 823 4,598 SH   SOLE   0 0 4,598
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3,591 34,812 SH   SOLE   0 0 34,812
ISHARES TR IBOXX HI YD ETF 464288513 1,377 16,168 SH   SOLE   0 0 16,168
ISHARES TR SH TR CRPORT ETF 464288646 2,899 52,694 SH   SOLE   0 0 52,694
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,549 78,755 SH   SOLE   0 0 78,755
ISHARES TR INTL SEL DIV ETF 464288448 243 9,395 SH   SOLE   0 0 9,395
ISHARES TR 3 7 YR TREAS BD 464288661 4,182 31,242 SH   SOLE   0 0 31,242
ISHARES TR NATIONAL MUN ETF 464288414 5,283 45,085 SH   SOLE   0 0 45,085
SPDR SER TR BLOMBERG INTL TR 78464A516 1,145 38,294 SH   SOLE   0 0 38,294
LULULEMON ATHLETICA INC COM 550021109 1,515 4,428 SH   SOLE   0 0 4,428
ISHARES TR JPMORGAN USD EMG 464288281 315 2,760 SH   SOLE   0 0 2,760
SPDR SER TR BLOOMBERG BRCLYS 78468R622 832 7,859 SH   SOLE   0 0 7,859
ISHARES TR EAFE SML CP ETF 464288273 1,664 29,154 SH   SOLE   0 0 29,154
HENNESSY ADVISORS INC COM 425885100 490 56,593 SH   SOLE   0 0 56,593
CALIFORNIA BANCORP COM 13005U101 143 10,500 SH   SOLE   0 0 10,500
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,784 248,777 SH   SOLE   0 0 248,777
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 8,291 103,134 SH   SOLE   0 0 103,134
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 724 10,138 SH   SOLE   0 0 10,138
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,662 32,664 SH   SOLE   0 0 32,664
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,197 44,999 SH   SOLE   0 0 44,999
TESLA INC COM 88160R101 16,725 11,513 SH   SOLE   0 0 11,513
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,048 33,284 SH   SOLE   0 0 33,284
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,321 10,806 SH   SOLE   0 0 10,806
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 4,732 83,257 SH   SOLE   0 0 83,257
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 6,620 117,707 SH   SOLE   0 0 117,707
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 208 6,312 SH   SOLE   0 0 6,312
ISHARES TR US TREAS BD ETF 46429B267 212 7,522 SH   SOLE   0 0 7,522
FACEBOOK INC CL A 30303M102 4,509 16,797 SH   SOLE   0 0 16,797
RH COM 74967X103 1,132 3,636 SH   SOLE   0 0 3,636
ABBVIE INC COM 00287Y109 11,016 118,557 SH   SOLE   0 0 118,557
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,177 20,236 SH   SOLE   0 0 20,236
ARISTA NETWORKS INC COM 040413106 8,023 34,762 SH   SOLE   0 0 34,762
PAYPAL HLDGS INC COM 70450Y103 4,879 24,562 SH   SOLE   0 0 24,562
TWILIO INC CL A 90138F102 6,703 26,921 SH   SOLE   0 0 26,921
PINTEREST INC CL A 72352L106 19,464 556,419 SH   SOLE   0 0 556,419
CORTEXYME INC COM 22053A107 2,394 54,258 SH   SOLE   0 0 54,258
UBER TECHNOLOGIES INC COM 90353T100 13,237 402,328 SH   SOLE   0 0 402,328
CARRIER GLOBAL CORPORATION COM 14448C104 213 7,346 SH   SOLE   0 0 7,346
OTIS WORLDWIDE CORP COM 68902V107 237 3,673 SH   SOLE   0 0 3,673
APPLIED MOLECULAR TRANS INC COM 03824M109 2,368 111,390 SH   SOLE   0 0 111,390
PROSHARES TR SHORT S&P 500 NE 74347B425 60 50,000 SH Call SOLE   0 0 50,000
PROSHARES TR SHORT S&P 500 NE 74347B425 938 625,000 SH Call SOLE   0 0 625,000