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 U.S. UTILITS ETF 464287697 13,753 127,440 SH   SOLE   0 0 127,440
ISHARES TR CORE S&P MCP ETF 464287507 27,966 200,732 SH   SOLE   0 0 200,732
ISHARES TR S&P MC 400GR ETF 464287606 569 3,537 SH   SOLE   0 0 3,537
ISHARES TR CORE S&P SCP ETF 464287804 48,835 443,509 SH   SOLE   0 0 443,509
ISHARES TR CORE S&P500 ETF 464287200 44,736 218,362 SH   SOLE   0 0 218,362
ISHARES TR RUS 1000 ETF 464287622 796 7,022 SH   SOLE   0 0 7,022
ISHARES TR DOW JONES US ETF 464287846 322 3,158 SH   SOLE   0 0 3,158
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,103 5,410 SH   SOLE   0 0 5,410
ISHARES TR GLB CNSM STP ETF 464288737 2,942 31,625 SH   SOLE   0 0 31,625
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 16,476 124,784 SH   SOLE   0 0 124,784
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 552 4,930 SH   SOLE   0 0 4,930
ABBOTT LABS COM 002824100 9,082 202,228 SH   SOLE   0 0 202,228
BP PLC SPONSORED ADR 055622104 283 9,053 SH   SOLE   0 0 9,053
EBAY INC COM 278642103 262 9,540 SH   SOLE   0 0 9,540
INTEL CORP COM 458140100 639 18,536 SH   SOLE   0 0 18,536
ORACLE CORP COM 68389X105 15,321 419,417 SH   SOLE   0 0 419,417
QUALCOMM INC COM 747525103 11,474 229,558 SH   SOLE   0 0 229,558
DISNEY WALT CO COM DISNEY 254687106 17,451 166,069 SH   SOLE   0 0 166,069
HONEYWELL INTL INC COM 438516106 335 3,232 SH   SOLE   0 0 3,232
JOHNSON & JOHNSON COM 478160104 17,459 169,965 SH   SOLE   0 0 169,965
PFIZER INC COM 717081103 1,036 32,079 SH   SOLE   0 0 32,079
ISHARES TR MSCI EAFE ETF 464287465 17,493 297,913 SH   SOLE   0 0 297,913
CHEVRON CORP NEW COM 166764100 17,375 193,143 SH   SOLE   0 0 193,143
MICROSOFT CORP COM 594918104 215 3,869 SH   SOLE   0 0 3,869
VODAFONE GROUP PLC NEW SPNSR ADR NO PAR 92857W308 818 25,367 SH   SOLE   0 0 25,367
AT&T INC COM 00206R102 1,469 42,694 SH   SOLE   0 0 42,694
CITIGROUP INC COM NEW 172967424 8,379 161,918 SH   SOLE   0 0 161,918
INTERNATIONAL BUSINESS MACHS COM 459200101 476 3,457 SH   SOLE   0 0 3,457
COCA COLA CO COM 191216100 855 19,892 SH   SOLE   0 0 19,892
LOCKHEED MARTIN CORP COM 539830109 1,131 5,209 SH   SOLE   0 0 5,209
PEPSICO INC COM 713448108 962 9,623 SH   SOLE   0 0 9,623
STRYKER CORP COM 863667101 15,947 171,587 SH   SOLE   0 0 171,587
VERIZON COMMUNICATIONS INC COM 92343V104 7,693 166,440 SH   SOLE   0 0 166,440
ISHARES MSCI GERMANY ETF 464286806 250 9,530 SH   SOLE   0 0 9,530
ISHARES TR GLOBAL ENERG ETF 464287341 1,267 45,203 SH   SOLE   0 0 45,203
ISHARES TR GLOB TELECOM ETF 464287275 5,511 95,270 SH   SOLE   0 0 95,270
ISHARES TR U.S. CNSM GD ETF 464287812 1,416 13,060 SH   SOLE   0 0 13,060
ISHARES TR U.S. INDS ETF 464287754 1,881 18,274 SH   SOLE   0 0 18,274
ISHARES TR N AMER TECH ETF 464287549 29,724 268,535 SH   SOLE   0 0 268,535
SCHWAB CHARLES CORP NEW COM 808513105 3,112 94,495 SH   SOLE   0 0 94,495
BANK AMER CORP COM 060505104 241 14,298 SH   SOLE   0 0 14,298
EXXON MOBIL CORP COM 30231G102 16,337 209,578 SH   SOLE   0 0 209,578
AFLAC INC COM 001055102 17,008 283,939 SH   SOLE   0 0 283,939
UNION PAC CORP COM 907818108 509 6,510 SH   SOLE   0 0 6,510
UNILEVER PLC SPON ADR NEW 904767704 728 16,877 SH   SOLE   0 0 16,877
BAXTER INTL INC COM 071813109 7,815 204,862 SH   SOLE   0 0 204,862
COLGATE PALMOLIVE CO COM 194162103 8,298 124,564 SH   SOLE   0 0 124,564
COSTCO WHSL CORP NEW COM 22160K105 19,508 120,793 SH   SOLE   0 0 120,793
DANAHER CORP DEL COM 235851102 8,831 95,077 SH   SOLE   0 0 95,077
PROCTER & GAMBLE CO COM 742718109 1,323 16,664 SH   SOLE   0 0 16,664
GENERAL ELECTRIC CO COM 369604103 20,400 654,894 SH   SOLE   0 0 654,894
KIMBERLY CLARK CORP COM 494368103 1,263 9,919 SH   SOLE   0 0 9,919
MCDONALDS CORP COM 580135101 1,198 10,143 SH   SOLE   0 0 10,143
JPMORGAN CHASE & CO COM 46625H100 282 4,273 SH   SOLE   0 0 4,273
TJX COS INC NEW COM 872540109 8,555 120,647 SH   SOLE   0 0 120,647
HP INC COM 40434L105 153 12,886 SH   SOLE   0 0 12,886
WELLS FARGO & CO NEW COM 949746101 313 5,756 SH   SOLE   0 0 5,756
ISHARES TR 1-3 YR TR BD ETF 464287457 325 3,856 SH   SOLE   0 0 3,856
MONSANTO CO NEW COM 61166W101 5,009 50,839 SH   SOLE   0 0 50,839
XILINX INC COM 983919101 358 7,619 SH   SOLE   0 0 7,619
VANGUARD INDEX FDS TOTAL STK MKT 922908769 208 1,996 SH   SOLE   0 0 1,996
CSX CORP COM 126408103 476 18,340 SH   SOLE   0 0 18,340
APPLE INC COM 037833100 27,915 265,197 SH   SOLE   0 0 265,197
CAMPBELL SOUP CO COM 134429109 986 18,754 SH   SOLE   0 0 18,754
PG&E CORP COM 69331C108 9,290 174,665 SH   SOLE   0 0 174,665
ISHARES TR CORE US AGGBD ET 464287226 94,029 870,559 SH   SOLE   0 0 870,559
ISHARES TR SELECT DIVID ETF 464287168 453 6,027 SH   SOLE   0 0 6,027
CLOROX CO DEL COM 189054109 869 6,850 SH   SOLE   0 0 6,850
NUCOR CORP COM 670346105 206 5,111 SH   SOLE   0 0 5,111
NOVO-NORDISK A S ADR 670100205 7,366 126,828 SH   SOLE   0 0 126,828
ALPHABET INC CAP STK CL A 02079K305 16,906 21,730 SH   SOLE   0 0 21,730
VANGUARD INDEX FDS VALUE ETF 922908744 18,804 230,667 SH   SOLE   0 0 230,667
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 2,589 19,481 SH   SOLE   0 0 19,481
VANGUARD INDEX FDS REIT ETF 922908553 1,042 13,066 SH   SOLE   0 0 13,066
VANGUARD INDEX FDS GROWTH ETF 922908736 7,984 75,049 SH   SOLE   0 0 75,049
SPDR SERIES TRUST S&P DIVID ETF 78464A763 34,728 472,044 SH   SOLE   0 0 472,044
BIOTIME INC COM 09066L105 2,432 593,145 SH   SOLE   0 0 593,145
CVB FINL CORP COM 126600105 265 15,635 SH   SOLE   0 0 15,635
MASTERCARD INC CL A 57636Q104 18,447 189,470 SH   SOLE   0 0 189,470
WISDOMTREE TR MIDCAP DIVI FD 97717W505 1,347 16,730 SH   SOLE   0 0 16,730
WISDOMTREE TR SMALLCAP DIVID 97717W604 778 11,975 SH   SOLE   0 0 11,975
ISHARES TR USA ESG SLCT ETF 464288802 509 6,103 SH   SOLE   0 0 6,103
VANGUARD INDEX FDS LARGE CAP ETF 922908637 12,726 136,102 SH   SOLE   0 0 136,102
LEIDOS HLDGS INC COM 525327102 222 3,943 SH   SOLE   0 0 3,943
POWERSHARES ETF TRUST DYNA BUYBK ACH 73935X286 3,737 82,199 SH   SOLE   0 0 82,199
ISHARES TR SHRT TRS BD ETF 464288679 1,955 17,737 SH   SOLE   0 0 17,737
ISHARES TR 1-3 YR CR BD ETF 464288646 41,219 394,065 SH   SOLE   0 0 394,065
ISHARES TR GLOBAL MATER ETF 464288695 4,451 98,897 SH   SOLE   0 0 98,897
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 2,469 30,578 SH   SOLE   0 0 30,578
ISHARES TR MSCI KLD400 SOC 464288570 206 2,716 SH   SOLE   0 0 2,716
ISHARES TR U.S. PFD STK ETF 464288687 1,344 34,588 SH   SOLE   0 0 34,588
RYDEX ETF TRUST GUG S&P500EQWTTE 78355W817 11,297 122,431 SH   SOLE   0 0 122,431
ISHARES TR INTL SEL DIV ETF 464288448 994 34,631 SH   SOLE   0 0 34,631
RYDEX ETF TRUST GUG S&P500 PU GR 78355W403 338 4,193 SH   SOLE   0 0 4,193
ISHARES TR INTERM CR BD ETF 464288638 1,179 10,986 SH   SOLE   0 0 10,986
SPDR SERIES TRUST BRCLYS AGG ETF 78464A649 1,060 18,582 SH   SOLE   0 0 18,582
UNITED SECURITY BANCSHARES C COM 911460103 470 87,810 SH   SOLE   0 0 87,810
ISHARES TR SHT NTLAMTFR ETF 464288158 12,447 117,481 SH   SOLE   0 0 117,481
SPDR SERIES TRUST SHRT INTL ETF 78464A334 1,025 34,465 SH   SOLE   0 0 34,465
SPDR SERIES TRUST INTR TRM CORP BD 78464A375 898 26,871 SH   SOLE   0 0 26,871
PIMCO ETF TR 1-5 US TIP IDX 72201R205 25,500 496,793 SH   SOLE   0 0 496,793
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 35,751 729,017 SH   SOLE   0 0 729,017
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 292 10,587 SH   SOLE   0 0 10,587
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 14,376 295,984 SH   SOLE   0 0 295,984
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 381 7,315 SH   SOLE   0 0 7,315
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 433 8,202 SH   SOLE   0 0 8,202
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,452 381,957 SH   SOLE   0 0 381,957
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,496 49,488 SH   SOLE   0 0 49,488
PIMCO ETF TR INV GRD CRP BD 72201R817 901 9,107 SH   SOLE   0 0 9,107
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 47,188 252,436 SH   SOLE   0 0 252,436
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 1,743 77,802 SH   SOLE   0 0 77,802
ISHARES TR CORE HIGH DV ETF 46429B663 1,162 15,831 SH   SOLE   0 0 15,831
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1,101 12,021 SH   SOLE   0 0 12,021
ISHARES TR FLTG RATE BD ETF 46429B655 29,652 587,875 SH   SOLE   0 0 587,875
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 3,619 70,279 SH   SOLE   0 0 70,279
PHILLIPS 66 COM 718546104 209 2,558 SH   SOLE   0 0 2,558
ISHARES ASIA/PAC DIV ETF 464286293 265 6,759 SH   SOLE   0 0 6,759
PIMCO ETF TR TTL RTN ACTV ETF 72201R775 1,945 18,667 SH   SOLE   0 0 18,667
SPDR SER TR SHT TRM HGH YLD 78468R408 16,253 632,669 SH   SOLE   0 0 632,669
ISHARES INC CORE MSCI EMKT 46434G103 13,904 352,992 SH   SOLE   0 0 352,992
ABBVIE INC COM 00287Y109 16,334 275,732 SH   SOLE   0 0 275,732
ALPHABET INC CAP STK CL C 02079K107 353 465 SH   SOLE   0 0 465
ISHARES TR CORE DIV GRWTH 46434V621 911 35,453 SH   SOLE   0 0 35,453
FIDELITY TOTAL BD ETF 316188309 998 20,793 SH   SOLE   0 0 20,793
BAXALTA INC COM 07177M103 8,804 225,578 SH   SOLE   0 0 225,578
PAYPAL HLDGS INC COM 70450Y103 242 6,688 SH   SOLE   0 0 6,688
HEWLETT PACKARD ENTERPRISE C COM 42824C109 196 12,884 SH   SOLE   0 0 12,884