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 113,375 646,305 SH   SOLE   646,305 0 0
3M CO COM 88579Y101 24,468 139,484 SH   OTR   0 24,468 0
ABBOTT LABS COM 002824100 790 6,690 SH   SOLE   6,690 0 0
ABBVIE INC COM 00287Y109 247 2,287 SH   SOLE   2,287 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 208 649 SH   SOLE   649 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 220 382 SH   SOLE   382 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 533 3,600 SH   SOLE   3,600 0 0
ALPHABET INC CAP STK CL A 02079K305 350 131 SH   SOLE   131 0 0
ALPHABET INC CAP STK CL C 02079K107 338 127 SH   SOLE   127 0 0
AMAZON COM INC COM 023135106 466 142 SH   SOLE   142 0 0
AMER STATES WTR CO COM 029899101 392 4,588 SH   SOLE   4,588 0 0
AMERICAN EXPRESS CO COM 025816109 951 5,675 SH   SOLE   5,675 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 1,204 7,123 SH   SOLE   7,123 0 0
AMGEN INC COM 031162100 249 1,171 SH   SOLE   1,171 0 0
APPLE INC COM 037833100 179,357 1,267,538 SH   SOLE   1,267,538 0 0
APPLE INC COM 037833100 37,109 262,253 SH   OTR   0 37,109 0
AUTOMATIC DATA PROCESSING IN COM 053015103 562 2,811 SH   SOLE   2,811 0 0
BIOGEN INC COM 09062X103 490 1,733 SH   SOLE   1,733 0 0
BK OF AMERICA CORP COM 060505104 889 20,935 SH   SOLE   20,935 0 0
BOEING CO COM 097023105 626 2,845 SH   SOLE   2,845 0 0
BP PLC SPONSORED ADR 055622104 640 23,410 SH   SOLE   23,410 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 2,425 40,985 SH   SOLE   40,985 0 0
BROADCOM INC COM 11135F101 491 1,013 SH   SOLE   1,013 0 0
CALIFORNIA WTR SVC GROUP COM 130788102 384 6,513 SH   SOLE   6,513 0 0
CATERPILLAR INC COM 149123101 116,318 605,920 SH   SOLE   605,920 0 0
CATERPILLAR INC COM 149123101 24,988 130,168 SH   OTR   0 24,988 0
CHEVRON CORP NEW COM 166764100 165,890 1,635,187 SH   SOLE   1,635,187 0 0
CHEVRON CORP NEW COM 166764100 35,770 352,590 SH   OTR   0 35,770 0
CISCO SYS INC COM 17275R102 481 8,840 SH   SOLE   8,840 0 0
CLOROX CO DEL COM 189054109 2,025 12,225 SH   SOLE   12,225 0 0
CME GROUP INC COM 12572Q105 517 2,674 SH   SOLE   2,674 0 0
COCA COLA CO COM 191216100 652 12,421 SH   SOLE   12,421 0 0
COMCAST CORP NEW CL A 20030N101 2,562 45,809 SH   SOLE   45,809 0 0
CONAGRA BRANDS INC COM 205887102 974 28,759 SH   SOLE   28,759 0 0
CONOCOPHILLIPS COM 20825C104 433 6,396 SH   SOLE   6,396 0 0
COSTCO WHSL CORP NEW COM 22160K105 327 728 SH   SOLE   728 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 213 1,228 SH   SOLE   1,228 0 0
CSX CORP COM 126408103 87,601 2,945,569 SH   SOLE   2,945,569 0 0
CSX CORP COM 126408103 18,706 628,970 SH   OTR   0 18,706 0
DIREXION SHS ETF TR DLY SCOND 3XBU 25459W458 581 14,503 SH   SOLE   14,503 0 0
DISNEY WALT CO COM 254687106 1,083 6,400 SH   SOLE   6,400 0 0
DOCUSIGN INC COM 256163106 259 1,006 SH   SOLE   1,006 0 0
DOW INC COM 260557103 49,062 852,360 SH   SOLE   852,360 0 0
DOW INC COM 260557103 10,821 188,002 SH   OTR   0 10,821 0
DUKE ENERGY CORP NEW COM NEW 26441C204 94,696 970,349 SH   SOLE   970,349 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 19,656 201,416 SH   OTR   0 19,656 0
EDWARDS LIFESCIENCES CORP COM 28176e108 221 1,953 SH   SOLE   1,953 0 0
ESSENTIAL UTILS INC COM 29670G102 771 16,742 SH   SOLE   16,742 0 0
EXXON MOBIL CORP COM 30231G102 610 10,369 SH   SOLE   10,369 0 0
FACEBOOK INC CL A 30303M102 2,592 7,636 SH   SOLE   7,636 0 0
FASTENAL CO COM 311900104 60,791 1,177,900 SH   SOLE   1,177,900 0 0
GLOBAL PMTS INC COM 37940X102 961 6,100 SH   SOLE   6,100 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 164,880 436,157 SH   SOLE   436,157 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 31,991 84,625 SH   OTR   0 31,991 0
HOME DEPOT INC COM 437076102 106,425 324,208 SH   SOLE   324,208 0 0
HOME DEPOT INC COM 437076102 22,256 67,800 SH   OTR   0 22,256 0
HONEYWELL INTL INC COM 438516106 150,963 711,149 SH   SOLE   711,149 0 0
HONEYWELL INTL INC COM 438516106 32,065 151,052 SH   OTR   0 32,065 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 94,106 819,600 SH   SOLE   819,600 0 0
INTERCONTINENTAL EXCHANGE INC COM COM 45866F104 19,964 173,876 SH   OTR   0 19,964 0
INTUITIVE SURGICAL INC COM NEW 46120E602 228 229 SH   SOLE   229 0 0
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 1,527 75,676 SH   SOLE   75,676 0 0
INVESCO QQQ TR UNIT SER 1 46090e103 1,494 4,173 SH   SOLE   4,173 0 0
ISHARES SILVER TR ISHARES 46428Q109 288 14,012 SH   SOLE   14,012 0 0
ISHARES TR IBOXX INV CP ETF 464287242 585 4,400 SH   SOLE   4,400 0 0
ISHARES TR ISHARES SEMICDTR 464287523 1,068 2,395 SH   SOLE   2,395 0 0
JOHNSON & JOHNSON COM 478160104 153,754 952,034 SH   SOLE   952,034 0 0
JOHNSON & JOHNSON COM 478160104 33,691 208,613 SH   OTR   0 33,691 0
JPMORGAN CHASE & CO COM 46625H100 109,815 670,871 SH   SOLE   670,871 0 0
JPMORGAN CHASE & CO. COM 46625H100 25,070 153,155 SH   OTR   0 25,070 0
LAMB WESTON HLDGS INC COM 513272104 249 4,060 SH   SOLE   4,060 0 0
LOCKHEED MARTIN CORP COM 539830109 568 1,645 SH   SOLE   1,645 0 0
LOWES COS INC COM 548661107 323 1,594 SH   SOLE   1,594 0 0
MCDONALDS CORP COM 580135101 169,955 704,886 SH   SOLE   704,886 0 0
MCDONALDS CORP COM 580135101 36,318 150,629 SH   OTR   0 36,318 0
MEDTRONIC PLC SHS G5960L103 96,988 773,735 SH   SOLE   773,735 0 0
MEDTRONIC PLC SHS G5960L103 20,448 163,130 SH   OTR   0 20,448 0
MERCK & CO INC COM 58933Y105 1,126 14,995 SH   SOLE   14,995 0 0
MICROSOFT CORP COM 594918104 2 1,000 SH   OTR   0 2 0
MICROSOFT CORP COM 594918104 180,737 641,095 SH   SOLE   641,095 0 0
MICROSOFT CORP COM 594918104 38,051 134,972 SH   OTR   0 38,051 0
MONDELEZ INTL INC CL A 609207105 223 3,835 SH   SOLE   3,835 0 0
NETFLIX INC COM 64110L106 638 1,046 SH   SOLE   1,046 0 0
NEWMONT CORP COM 651639106 120,250 2,214,542 SH   SOLE   2,214,542 0 0
NEWMONT CORP COM 651639106 25,711 473,496 SH   OTR   0 25,711 0
NIKE INC CL B 654106103 95,575 658,091 SH   SOLE   658,091 0 0
NIKE INC CL B 654106103 20,119 138,529 SH   OTR   0 20,119 0
NVIDIA CORPORATION COM 67066G104 245 1,183 SH   SOLE   1,183 0 0
ORACLE CORP COM 68389X105 2,390 27,430 SH   SOLE   27,430 0 0
PAYPAL HLDGS INC COM 70450Y103 351 1,350 SH   SOLE   1,350 0 0
PEPSICO INC COM 713448108 813 5,407 SH   SOLE   5,407 0 0
PINTEREST INC CL A 72352L106 226 4,436 SH   SOLE   4,436 0 0
PROCTER AND GAMBLE CO COM 742718109 96,946 693,463 SH   SOLE   693,463 0 0
PROCTER AND GAMBLE CO COM 742718109 20,671 147,860 SH   OTR   0 20,671 0
PROSHARES TR SHORT S&P 500 NE 74347B425 2,438 160,057 SH   SOLE   160,057 0 0
PROSHARES TR PSHS ULTRA QQQ 74347R206 802 11,016 SH   SOLE   11,016 0 0
RAYMOND JAMES FINL INC COM 754730109 3,599 39,000 SH   SOLE   39,000 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100 245 11,500 SH   SOLE   11,500 0 0
ROYAL BK CDA COM 780087102 1,004 10,100 SH   SOLE   10,100 0 0
SALESFORCE COM INC COM 79466L302 214 788 SH   SOLE   788 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,075 23,523 SH   SOLE   23,523 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,407 23,174 SH   SOLE   23,174 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 816 21,086 SH   SOLE   21,086 0 0
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 594 7,199 SH   SOLE   7,199 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 596 7,435 SH   SOLE   7,435 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,322 10,387 SH   SOLE   10,387 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,616 31,023 SH   SOLE   31,023 0 0
SERVICENOW INC COM 81762P102 286 460 SH   SOLE   460 0 0
SJW GROUP COM 784305104 392 5,935 SH   SOLE   5,935 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 6,032 17,831 SH   SOLE   17,831 0 0
SPDR GOLD TR GOLD SHS 78463V107 3,765 22,927 SH   SOLE   22,927 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 90 8,000 SH Put SOLE   8,000 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 20,252 47,193 SH   SOLE   47,193 0 0
SPDR SER TR S&P METALS MNG 78464A755 733 17,568 SH   SOLE   17,568 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 1,223 13,373 SH   SOLE   13,373 0 0
STARBUCKS CORP COM 855244109 591 5,360 SH   SOLE   5,360 0 0
TE CONNECTIVITY LTD REG SHS H84989104 204 1,490 SH   SOLE   1,490 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 455 796 SH   SOLE   796 0 0
UNION PAC CORP COM 907818108 4,351 22,197 SH   SOLE   22,197 0 0
UNITED PARCEL SERVICE INC CL B 911312106 9,629 52,880 SH   SOLE   52,880 0 0
UNITEDHEALTH GROUP INC COM 91324P102 178,327 456,383 SH   SOLE   456,383 0 0
UNITEDHEALTH GROUP INC COM 91324P102 38,454 98,414 SH   OTR   0 38,454 0
V F CORP COM 918204108 270 4,033 SH   SOLE   4,033 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 270 9,160 SH   SOLE   9,160 0 0
VANGUARD WORLD FD EXTENDED DUR 921910709 991 7,311 SH   SOLE   7,311 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 797 5,725 SH   SOLE   5,725 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 78,156 1,447,064 SH   SOLE   1,447,064 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 16,910 313,093 SH   OTR   0 16,910 0
VISA INC COM CL A 92826C839 156,794 703,902 SH   SOLE   703,902 0 0
VISA INC COM CL A 92826C839 33,780 151,650 SH   OTR   0 33,780 0
WALMART INC COM 931142103 99,856 716,429 SH   SOLE   716,429 0 0
WALMART INC COM 931142103 21,424 153,706 SH   OTR   0 21,424 0
WELLS FARGO CO NEW COM 949746101 371 8,000 SH   SOLE   8,000 0 0