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 11,314 104,862 SH   SOLE   0 0 104,862
ISHARES TR CORE S&P MCP ETF 464287507 28,254 206,826 SH   SOLE   0 0 206,826
ISHARES TR S&P MC 400VL ETF 464287705 735 6,369 SH   SOLE   0 0 6,369
ISHARES TR S&P MC 400GR ETF 464287606 340 2,165 SH   SOLE   0 0 2,165
ISHARES TR CORE S&P SCP ETF 464287804 48,904 458,895 SH   SOLE   0 0 458,895
ISHARES TR SP SMCP600VL ETF 464287879 506 4,832 SH   SOLE   0 0 4,832
ISHARES TR CORE S&P500 ETF 464287200 18,001 93,411 SH   SOLE   0 0 93,411
ISHARES TR DOW JONES US ETF 464287846 266 2,754 SH   SOLE   0 0 2,754
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,048 10,688 SH   SOLE   0 0 10,688
ISHARES TR GLB CNSM STP ETF 464288737 2,206 24,825 SH   SOLE   0 0 24,825
BERKSHIRE HATHAWAY INC DEL CL B NEW 84670702 16,222 124,400 SH   SOLE   0 0 124,400
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 568 5,580 SH   SOLE   0 0 5,580
ABBOTT LABS COM 2824100 8,086 201,035 SH   SOLE   0 0 201,035
INTEL CORP COM 458140100 485 16,106 SH   SOLE   0 0 16,106
ORACLE CORP COM 68389X105 14,973 414,544 SH   SOLE   0 0 414,544
QUALCOMM INC COM 747525103 12,624 234,946 SH   SOLE   0 0 234,946
DISNEY WALT CO COM DISNEY 254687106 17,240 168,690 SH   SOLE   0 0 168,690
JOHNSON & JOHNSON COM 478160104 15,920 170,545 SH   SOLE   0 0 170,545
PFIZER INC COM 717081103 992 31,595 SH   SOLE   0 0 31,595
ISHARES TR MSCI EAFE ETF 464287465 3,984 69,508 SH   SOLE   0 0 69,508
CHEVRON CORP NEW COM 166764100 15,662 198,552 SH   SOLE   0 0 198,552
VODAFONE GROUP PLC NEW SPNSR ADR NO PAR 92857W308 408 12,867 SH   SOLE   0 0 12,867
AT&T INC COM 00206R102 1,070 32,840 SH   SOLE   0 0 32,840
CITIGROUP INC COM NEW 172967424 7,924 159,718 SH   SOLE   0 0 159,718
INTERNATIONAL BUSINESS MACHS COM 459200101 551 3,804 SH   SOLE   0 0 3,804
COCA COLA CO COM 191216100 657 16,364 SH   SOLE   0 0 16,364
LOCKHEED MARTIN CORP COM 539830109 848 4,090 SH   SOLE   0 0 4,090
PEPSICO INC COM 713448108 770 8,162 SH   SOLE   0 0 8,162
STRYKER CORP COM 863667101 16,082 170,903 SH   SOLE   0 0 170,903
VERIZON COMMUNICATIONS INC COM 92343V104 7,895 181,456 SH   SOLE   0 0 181,456
ISHARES MSCI GERMANY ETF 464286806 609 24,633 SH   SOLE   0 0 24,633
ISHARES TR GLOBAL ENERG ETF 464287341 1,497 52,177 SH   SOLE   0 0 52,177
ISHARES TR GLOB TELECOM ETF 464287275 6,861 120,966 SH   SOLE   0 0 120,966
ISHARES TR U.S. CNSM GD ETF 464287812 1,844 17,970 SH   SOLE   0 0 17,970
ISHARES TR U.S. INDS ETF 464287754 2,039 21,143 SH   SOLE   0 0 21,143
ISHARES TR N AMER TECH ETF 464287549 26,926 268,453 SH   SOLE   0 0 268,453
ISHARES MSCI SINGAP ETF 464286673 10,791 1,061,061 SH   SOLE   0 0 1,061,061
SCHWAB CHARLES CORP NEW COM 808513105 361 12,645 SH   SOLE   0 0 12,645
EXXON MOBIL CORP COM 30231G102 15,895 213,784 SH   SOLE   0 0 213,784
AFLAC INC COM 1055102 16,200 278,679 SH   SOLE   0 0 278,679
UNION PAC CORP COM 907818108 576 6,510 SH   SOLE   0 0 6,510
UNILEVER PLC SPON ADR NEW 904767704 602 14,760 SH   SOLE   0 0 14,760
BAXTER INTL INC COM 71813109 6,934 211,095 SH   SOLE   0 0 211,095
COLGATE PALMOLIVE CO COM 194162103 8,019 126,357 SH   SOLE   0 0 126,357
COSTCO WHSL CORP NEW COM 22160K105 17,951 124,166 SH   SOLE   0 0 124,166
DANAHER CORP DEL COM 235851102 8,060 94,595 SH   SOLE   0 0 94,595
PROCTER & GAMBLE CO COM 742718109 1,156 16,075 SH   SOLE   0 0 16,075
GENERAL ELECTRIC CO COM 369604103 16,804 666,299 SH   SOLE   0 0 666,299
KIMBERLY CLARK CORP COM 494368103 936 8,587 SH   SOLE   0 0 8,587
MCDONALDS CORP COM 580135101 14,359 145,736 SH   SOLE   0 0 145,736
TJX COS INC NEW COM 872540109 8,560 119,851 SH   SOLE   0 0 119,851
HEWLETT PACKARD CO COM 428236103 330 12,883 SH   SOLE   0 0 12,883
WELLS FARGO & CO NEW COM 949746101 247 4,805 SH   SOLE   0 0 4,805
ISHARES TR 1-3 YR TR BD ETF 464287457 328 3,856 SH   SOLE   0 0 3,856
MONSANTO CO NEW COM 61166W101 5,307 62,186 SH   SOLE   0 0 62,186
XILINX INC COM 983919101 365 8,611 SH   SOLE   0 0 8,611
CONOCOPHILLIPS COM 20825C104 236 4,917 SH   SOLE   0 0 4,917
CSX CORP COM 126408103 472 17,565 SH   SOLE   0 0 17,565
APPLE INC COM 37833100 19,437 176,222 SH   SOLE   0 0 176,222
CAMPBELL SOUP CO COM 134429109 714 14,095 SH   SOLE   0 0 14,095
ISHARES TR MSCI EMG MKT ETF 464287234 382 11,667 SH   SOLE   0 0 11,667
ISHARES TR S&P 100 ETF 464287101 547 6,456 SH   SOLE   0 0 6,456
PG&E CORP COM 69331C108 9,397 177,965 SH   SOLE   0 0 177,965
ISHARES TR CORE US AGGBD ET 464287226 2,818 25,720 SH   SOLE   0 0 25,720
ISHARES TR SELECT DIVID ETF 464287168 489 6,728 SH   SOLE   0 0 6,728
CLOROX CO DEL COM 189054109 719 6,222 SH   SOLE   0 0 6,222
NOVO-NORDISK A S ADR 670100205 6,849 126,277 SH   SOLE   0 0 126,277
VANGUARD INDEX FDS VALUE ETF 922908744 20,410 265,923 SH   SOLE   0 0 265,923
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 2,509 20,476 SH   SOLE   0 0 20,476
VANGUARD INDEX FDS REIT ETF 922908553 941 12,459 SH   SOLE   0 0 12,459
VANGUARD INDEX FDS GROWTH ETF 922908736 326 3,254 SH   SOLE   0 0 3,254
SPDR SERIES TRUST S&P DIVID ETF 78464A763 34,041 471,739 SH   SOLE   0 0 471,739
BIOTIME INC COM 09066L105 1,779 593,145 SH   SOLE   0 0 593,145
CVB FINL CORP COM 126600105 261 15,635 SH   SOLE   0 0 15,635
BARCLAYS BK PLC DJUBS CMDT ETN36 06738C778 7,449 304,664 SH   SOLE   0 0 304,664
MASTERCARD INC CL A 57636Q104 17,323 192,226 SH   SOLE   0 0 192,226
WISDOMTREE TR MIDCAP DIVI FD 97717W505 1,024 13,188 SH   SOLE   0 0 13,188
WISDOMTREE TR SMALLCAP DIVID 97717W604 500 7,929 SH   SOLE   0 0 7,929
ISHARES TR USA ESG SLCT ETF 464288802 327 4,156 SH   SOLE   0 0 4,156
VANGUARD INDEX FDS LARGE CAP ETF 922908637 12,423 141,092 SH   SOLE   0 0 141,092
POWERSHARES ETF TRUST DYNA BUYBK ACH 73935X286 3,724 85,069 SH   SOLE   0 0 85,069
ISHARES TR SHRT TRS BD ETF 464288679 4,554 41,283 SH   SOLE   0 0 41,283
ISHARES TR 1-3 YR CR BD ETF 464288646 42,739 406,531 SH   SOLE   0 0 406,531
ISHARES TR GLOBAL MATER ETF 464288695 7,456 167,779 SH   SOLE   0 0 167,779
ISHARES TR U.S. PFD STK ETF 464288687 994 25,745 SH   SOLE   0 0 25,745
RYDEX ETF TRUST GUG S&P500EQWTTE 78355W817 17,848 209,632 SH   SOLE   0 0 209,632
ISHARES TR INTL SEL DIV ETF 464288448 987 35,091 SH   SOLE   0 0 35,091
RYDEX ETF TRUST GUG S&P500 PU GR 78355W403 285 3,689 SH   SOLE   0 0 3,689
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 350 9,830 SH   SOLE   0 0 9,830
ISHARES TR INTERM CR BD ETF 464288638 323 2,971 SH   SOLE   0 0 2,971
UNITED SECURITY BANCSHARES C COM 911460103 456 86,081 SH   SOLE   0 0 86,081
ISHARES TR SHT NTLAMTFR ETF 464288158 16,958 160,084 SH   SOLE   0 0 160,084
SPDR SERIES TRUST SHRT INTL ETF 78464A334 2,417 80,362 SH   SOLE   0 0 80,362
ISHARES TR EMGR MKT INF ETF 464288216 454 16,656 SH   SOLE   0 0 16,656
PIMCO ETF TR 1-5 US TIP IDX 72201R205 38,926 754,814 SH   SOLE   0 0 754,814
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,083 10,752 SH   SOLE   0 0 10,752
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 41,908 903,577 SH   SOLE   0 0 903,577
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 227 8,285 SH   SOLE   0 0 8,285
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,103 89,655 SH   SOLE   0 0 89,655
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 376 7,406 SH   SOLE   0 0 7,406
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 403 8,071 SH   SOLE   0 0 8,071
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 485 23,972 SH   SOLE   0 0 23,972
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3,410 67,132 SH   SOLE   0 0 67,132
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533 12,875 514,802 SH   SOLE   0 0 514,802
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 1,805 78,350 SH   SOLE   0 0 78,350
ISHARES TR CORE HIGH DV ETF 46429B663 1,022 14,684 SH   SOLE   0 0 14,684
ISHARES TR FLTG RATE BD ETF 46429B655 33,324 660,529 SH   SOLE   0 0 660,529
ISHARES ASIA/PAC DIV ETF 464286293 480 12,922 SH   SOLE   0 0 12,922
ISHARES MSCI EM ASIA ETF 464286426 7,175 142,739 SH   SOLE   0 0 142,739
SPDR SER TR SHT TRM HGH YLD 78468R408 28,871 1,071,691 SH   SOLE   0 0 1,071,691
ISHARES INC CORE MSCI EMKT 46434G103 32,261 808,740 SH   SOLE   0 0 808,740
ABBVIE INC COM 00287Y109 14,847 272,871 SH   SOLE   0 0 272,871
BAXALTA INC COM 07177M103 6,908 219,231 SH   SOLE   0 0 219,231