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
ADOBE SYSTEMS INCORPORATED COM COM 00724F101 320 654 SH   SOLE NONE 0 0 654
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 726 496 SH   SOLE NONE 0 0 496
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 258 176 SH   SOLE NONE 0 0 176
AMAZON.COM INC COM 023135106 2,207 701 SH   SOLE NONE 0 0 701
AMERICAN TOWER CORP COM USD0.01 COM 03027X100 249 1,031 SH   SOLE NONE 0 0 1,031
AMGEN INC COM 031162100 338 1,333 SH   SOLE NONE 0 0 1,333
ANNALY CAPITAL MANAGEMENT INC COM COM 035710409 78 10,965 SH   SOLE NONE 0 0 10,965
APPLE INC COM USD0.00001 COM 037833100 8,583 74,118 SH   SOLE NONE 0 0 74,118
ATT INC COM USD1 COM 00206R102 953 33,429 SH   SOLE NONE 0 0 33,429
BERKSHIRE HATHAWAY INC COM USD0.0033 CLASS B CL B NEW 084670702 956 4,490 SH   SOLE NONE 0 0 4,490
BK OF AMERICA CORP COM COM 060505104 381 15,850 SH   SOLE NONE 0 0 15,850
CHEVRON CORP NEW COM COM 166764100 250 3,472 SH   SOLE NONE 0 0 3,472
CINTAS CORP COM 172908105 419 1,259 SH   SOLE NONE 0 0 1,259
CISCO SYSTEMS INC COM 17275R102 299 7,604 SH   SOLE NONE 0 0 7,604
COSTCO WHOLESALE CORP COM USD0.01 COM 22160K105 415 1,171 SH   SOLE NONE 0 0 1,171
CROWN CASTLE INTL CORP NEW COM ISIN #US22822V1017 SEDOL #BTGQCX1 COM 22822V101 569 3,422 SH   SOLE NONE 0 0 3,422
CVS HEALTH CORPORATION COM USD0.01 COM 126650100 237 4,071 SH   SOLE NONE 0 0 4,071
DIGITAL REALTY TRUST INC COM 253868103 424 2,890 SH   SOLE NONE 0 0 2,890
FACEBOOK INC-CLASS A CL A 30303M102 608 2,324 SH   SOLE NONE 0 0 2,324
FIDELITY CORPORATE BOND ETF CORP BOND ETF 316188101 21,059 376,540 SH   SOLE NONE 0 0 376,540
FIDELITY HIGH DIVIDEND ETF HIGH DIVID ETF 316092840 4,279 154,429 SH   SOLE NONE 0 0 154,429
FIDELITY LOW DURATION BOND FACTOR ETF LOW DURTIN ETF 316188408 2,709 53,048 SH   SOLE NONE 0 0 53,048
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF MSCI INFO TECH I 316092808 5,348 58,101 SH   SOLE NONE 0 0 58,101
FIDELITY MSCI UTILS INDEX ETF MSCI UTILS INDEX 316092865 1,396 36,772 SH   SOLE NONE 0 0 36,772
FIDELITY NASDAQ COMPOSITE INDEX TRACKING STOCK NDQ CP IDX TRK 315912808 4,063 9,363 SH   SOLE NONE 0 0 9,363
FIDELITY VALUE FACTOR ETF VLU FACTOR ETF 316092782 4,171 117,087 SH   SOLE NONE 0 0 117,087
FIRST TR EXCHANGE TRADED FD DOW JONES INTERNET INDEX FD DJ INTERNT IDX 33733E302 813 4,319 SH   SOLE NONE 0 0 4,319
HOME DEPOT INC COM 437076102 465 1,677 SH   SOLE NONE 0 0 1,677
INNOVATOR ETFS TR SP 500 PWRETF S&P 500 PWRETF 45782C797 501 0 SH   SOLE NONE 0 0 0
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2021 CB BULSHS 2021 CB 46138J700 613 28,763 SH   SOLE NONE 0 0 28,763
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2021 HY BULSHS 2021 HY 46138J809 279 12,178 SH   SOLE NONE 0 0 12,178
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2022 CB BULSHS 2022 CB 46138J882 540 24,743 SH   SOLE NONE 0 0 24,743
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2023 CB BULSHS 2023 CB 46138J866 473 21,752 SH   SOLE NONE 0 0 21,752
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2024 CB BULSHS 2024 CB 46138J841 423 19,073 SH   SOLE NONE 0 0 19,073
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2024 HY BULSHS 2024 HY 46138J833 222 9,235 SH   SOLE NONE 0 0 9,235
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2025 CB BULSHS 2025 CB 46138J825 324 14,521 SH   SOLE NONE 0 0 14,521
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2026 CB BULSHS 2026 CB 46138J791 316 14,612 SH   SOLE NONE 0 0 14,612
ISHARES CORE SP SMALL-CAP E CORE S&P SCP ETF 464287804 6,969 99,177 SH   SOLE NONE 0 0 99,177
ISHARES CORE SP TOTAL US STOCK MARKET ETF CORE S&P TTL STK 464287150 329 4,362 SH   SOLE NONE 0 0 4,362
ISHARES INC ESG AWR MSCI EM ESG AWR MSCI EM 46434G863 7,588 213,095 SH   SOLE NONE 0 0 213,095
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 749 6,462 SH   SOLE NONE 0 0 6,462
ISHARES SP 500 CORE S&P500 ETF 464287200 18,892 56,214 SH   SOLE NONE 0 0 56,214
ISHARES TR 10 YR INVST GRD 10+ YR INVST GRD 464289511 5,633 79,988 SH   SOLE NONE 0 0 79,988
ISHARES TR BARCLAYS 7 10 YR BARCLAYS 7 10 YR 464287440 264 2,171 SH   SOLE NONE 0 0 2,171
ISHARES TR EAFE GRWTH ETF EAFE GRWTH ETF 464288885 11,158 124,136 SH   SOLE NONE 0 0 124,136
ISHARES TR ESG AWR MSCI USA ESG AWR MSCI USA 46435G425 17,333 227,429 SH   SOLE NONE 0 0 227,429
ISHARES TR ISHS 1-5YR INVS ISHS 1-5YR INVS 464288646 5,422 98,684 SH   SOLE NONE 0 0 98,684
ISHARES TR ISHS 5-10YR INVT ISHS 5-10YR INVT 464288638 6,919 113,787 SH   SOLE NONE 0 0 113,787
ISHARES TR JP MOR EM MK ETF JPMORGAN USD EMG 464288281 2,233 20,139 SH   SOLE NONE 0 0 20,139
ISHARES TR MBS ETF MBS ETF 464288588 258 2,344 SH   SOLE NONE 0 0 2,344
ISHARES TR MSCI USA MIN VOL MSCI USA MIN VOL 46429B697 16,801 263,629 SH   SOLE NONE 0 0 263,629
ISHARES TR PFD AND INCM SEC PFD AND INCM SEC 464288687 1,938 53,186 SH   SOLE NONE 0 0 53,186
ISHARES TR U.S. MED DVC ETF U.S. MED DVC ETF 464288810 4,136 13,804 SH   SOLE NONE 0 0 13,804
ISHARES TR US TREAS BD ETF US TREAS BD ETF 46429B267 13,226 473,033 SH   SOLE NONE 0 0 473,033
ISHARES TRUST 0-5YR HIGH YIELD CORP BD ISIN #US46434V4077 SEDOL #BFS2LL0 0-5YR HI YL CP 46434V407 4,984 113,206 SH   SOLE NONE 0 0 113,206
ISHARES TRUST CORE DIVID GWTH CORE DIV GRWTH 46434V621 4,673 117,443 SH   SOLE NONE 0 0 117,443
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 7,080 117,445 SH   SOLE NONE 0 0 117,445
ISHARES TRUST DOW JONES UNITED STATES FINANCIAL U.S. FIN SVC ETF 464287770 2,492 20,415 SH   SOLE NONE 0 0 20,415
JOHNSON JOHNSON COM USD1.00 COM 478160104 681 4,578 SH   SOLE NONE 0 0 4,578
JPMORGAN CHASE CO COM 46625H100 770 8,001 SH   SOLE NONE 0 0 8,001
LULULEMON ATHLETICA INC COM USD0.005 COM 550021109 236 718 SH   SOLE NONE 0 0 718
MCDONALD S CORP COM 580135101 560 2,554 SH   SOLE NONE 0 0 2,554
MEDTRONIC PLC SHS G5960L103 239 2,300 SH   SOLE NONE 0 0 2,300
MERCK CO. INC COM COM 58933Y105 384 4,635 SH   SOLE NONE 0 0 4,635
MICROSOFT CORP COM 594918104 2,014 9,575 SH   SOLE NONE 0 0 9,575
MIDDLEFIELD BANC CORP(US) COM NPV COM NEW 596304204 2,130 110,402 SH   SOLE NONE 0 0 110,402
NETFLIX INC COM 64110L106 498 996 SH   SOLE NONE 0 0 996
NIKE INC CLASS B COM NPV CL B 654106103 225 1,797 SH   SOLE NONE 0 0 1,797
NVIDIA CORPORATION COM COM 67066G104 208 384 SH   SOLE NONE 0 0 384
PAYPAL HLDGS INC COM COM 70450Y103 1,000 5,077 SH   SOLE NONE 0 0 5,077
PENNANTPARK FLOATING RATE CAP COM COM 70806A106 87 10,422 SH   SOLE NONE 0 0 10,422
PEPSICO INC COM 713448108 222 1,607 SH   SOLE NONE 0 0 1,607
PFIZER INC COM 717081103 367 10,008 SH   SOLE NONE 0 0 10,008
PROCTER AND GAMBLE CO COM COM 742718109 1,026 7,388 SH   SOLE NONE 0 0 7,388
PROGRESSIVE CORP COM COM 743315103 575 6,075 SH   SOLE NONE 0 0 6,075
SALESFORCE.COM INC COM USD0.001 COM 79466L302 393 1,567 SH   SOLE NONE 0 0 1,567
SHERWIN-WILLIAMS CO COM 824348106 215 309 SH   SOLE NONE 0 0 309
SPROTT PHYSICAL GOLD TRUST UNIT ISIN #CA85207H1047 SEDOL #BYVW239 UNIT 85207H104 280 18,615 SH   SOLE NONE 0 0 18,615
STARBUCKS CORP COM USD0.001 COM 855244109 528 6,149 SH   SOLE NONE 0 0 6,149
TESLA INC COM COM 88160R101 1,429 3,333 SH   SOLE NONE 0 0 3,333
THERMO FISHER SCIENTIFIC INC COM 883556102 513 1,162 SH   SOLE NONE 0 0 1,162
UNITEDHEALTH GROUP INC COM 91324P102 1,072 3,440 SH   SOLE NONE 0 0 3,440
VERIZON COMMUNICATIONS INC COM 92343V104 816 13,728 SH   SOLE NONE 0 0 13,728
VISA INC COM CL A 92826C839 590 2,951 SH   SOLE NONE 0 0 2,951
VMWARE INC CL A COM 928563402 316 2,202 SH   SOLE NONE 0 0 2,202
WALMART INC COM COM 931142103 562 4,021 SH   SOLE NONE 0 0 4,021
WALT DISNEY CO COM DISNEY 254687106 601 4,844 SH   SOLE NONE 0 0 4,844