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
PROCTER & GAMBLE CO COM 742718109 346,017 2,770,350 SH   SOLE   0 0 2,770,350
MICROSOFT CORP COM 594918104 53,776 341,002 SH   SOLE   0 0 341,002
APPLE INC COM 037833100 45,301 154,269 SH   SOLE   0 0 154,269
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 31,271 138,063 SH   SOLE   0 0 138,063
TEXAS INSTRS INC COM 882508104 27,358 213,248 SH   SOLE   0 0 213,248
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 26,715 318,561 SH   SOLE   0 0 318,561
JOHNSON & JOHNSON COM 478160104 25,984 178,134 SH   SOLE   0 0 178,134
ALPHABET INC CAP STK CL A 02079K305 23,090 17,239 SH   SOLE   0 0 17,239
ABBOTT LABS COM 002824100 22,389 257,756 SH   SOLE   0 0 257,756
AMAZON COM INC COM 023135106 19,500 10,553 SH   SOLE   0 0 10,553
3M CO COM 88579Y101 18,385 104,211 SH   SOLE   0 0 104,211
ISHARES TR SHORT TREAS BD 464288679 17,919 162,223 SH   SOLE   0 0 162,223
DISNEY WALT CO COM DISNEY 254687106 17,437 120,561 SH   SOLE   0 0 120,561
MASTERCARD INC CL A 57636Q104 17,238 57,732 SH   SOLE   0 0 57,732
ALPHABET INC CAP STK CL C 02079K107 16,871 12,619 SH   SOLE   0 0 12,619
VISA INC COM CL A 92826C839 16,646 88,589 SH   SOLE   0 0 88,589
CISCO SYS INC COM 17275R102 15,889 331,306 SH   SOLE   0 0 331,306
EXXON MOBIL CORP COM 30231G102 15,522 222,444 SH   SOLE   0 0 222,444
PEPSICO INC COM 713448108 15,411 112,758 SH   SOLE   0 0 112,758
CHEVRON CORP NEW COM 166764100 14,128 117,238 SH   SOLE   0 0 117,238
NOVARTIS A G SPONSORED ADR 66987V109 13,939 147,204 SH   SOLE   0 0 147,204
ISHARES TR BARCLAYS 7 10 YR 464287440 13,434 121,883 SH   SOLE   0 0 121,883
MCDONALDS CORP COM 580135101 13,333 67,472 SH   SOLE   0 0 67,472
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 12,716 156,928 SH   SOLE   0 0 156,928
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 12,704 59,896 SH   SOLE   0 0 59,896
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 12,360 252,307 SH   SOLE   0 0 252,307
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 12,333 131,611 SH   SOLE   0 0 131,611
UNITED TECHNOLOGIES CORP COM 913017109 12,209 81,523 SH   SOLE   0 0 81,523
VERIZON COMMUNICATIONS INC COM 92343V104 11,782 191,893 SH   SOLE   0 0 191,893
ABBVIE INC COM 00287Y109 11,774 132,980 SH   SOLE   0 0 132,980
PFIZER INC COM 717081103 11,478 292,967 SH   SOLE   0 0 292,967
AMGEN INC COM 031162100 11,008 45,662 SH   SOLE   0 0 45,662
AUTODESK INC COM 052769106 10,328 56,293 SH   SOLE   0 0 56,293
WORKDAY INC CL A 98138H101 10,151 61,729 SH   SOLE   0 0 61,729
VANGUARD STAR FD VG TL INTL STK F 921909768 9,202 165,230 SH   SOLE   0 0 165,230
INTEL CORP COM 458140100 8,637 144,304 SH   SOLE   0 0 144,304
ISHARES TR 1 3 YR TREAS BD 464287457 8,341 98,560 SH   SOLE   0 0 98,560
UNION PACIFIC CORP COM 907818108 7,736 42,790 SH   SOLE   0 0 42,790
COSTCO WHSL CORP NEW COM 22160K105 7,591 25,828 SH   SOLE   0 0 25,828
CUMMINS INC COM 231021106 7,534 42,099 SH   SOLE   0 0 42,099
JPMORGAN CHASE & CO COM 46625H100 7,423 53,252 SH   SOLE   0 0 53,252
AMERICAN TOWER CORP NEW COM 03027X100 7,241 31,505 SH   SOLE   0 0 31,505
EMERSON ELEC CO COM 291011104 6,921 90,750 SH   SOLE   0 0 90,750
THE CHARLES SCHWAB CORPORATI COM 808513105 6,383 134,218 SH   SOLE   0 0 134,218
BRISTOL MYERS SQUIBB CO COM 110122108 6,269 97,662 SH   SOLE   0 0 97,662
KKR & CO INC CL A 48251W104 6,112 209,539 SH   SOLE   0 0 209,539
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,909 36,112 SH   SOLE   0 0 36,112
CLOROX CO DEL COM 189054109 5,898 38,411 SH   SOLE   0 0 38,411
MOODYS CORP COM 615369105 5,675 23,905 SH   SOLE   0 0 23,905
BOEING CO COM 097023105 5,639 17,310 SH   SOLE   0 0 17,310
NORFOLK SOUTHERN CORP COM 655844108 4,953 25,514 SH   SOLE   0 0 25,514
DEERE & CO COM 244199105 4,907 28,322 SH   SOLE   0 0 28,322
DOLLAR TREE INC COM 256746108 4,836 51,421 SH   SOLE   0 0 51,421
MADISON SQUARE GARDEN CO NEW CL A 55825T103 4,368 14,849 SH   SOLE   0 0 14,849
EPAM SYS INC COM 29414B104 4,312 20,326 SH   SOLE   0 0 20,326
CYBERARK SOFTWARE LTD SHS M2682V108 4,145 35,559 SH   SOLE   0 0 35,559
INVESCO QQQ TR UNIT SER 1 46090E103 4,103 19,300 SH   SOLE   0 0 19,300
COCA COLA CO COM 191216100 4,087 73,839 SH   SOLE   0 0 73,839
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,073 12,656 SH   SOLE   0 0 12,656
HONEYWELL INTL INC COM 438516106 4,063 22,956 SH   SOLE   0 0 22,956
HOME DEPOT INC COM 437076102 4,014 18,381 SH   SOLE   0 0 18,381
SYSCO CORP COM 871829107 3,772 44,093 SH   SOLE   0 0 44,093
WALMART INC COM 931142103 3,754 31,591 SH   SOLE   0 0 31,591
FACEBOOK INC CL A 30303M102 3,698 18,018 SH   SOLE   0 0 18,018
BECTON DICKINSON & CO COM 075887109 3,542 13,022 SH   SOLE   0 0 13,022
DIAGEO P L C SPON ADR NEW 25243Q205 3,476 20,640 SH   SOLE   0 0 20,640
VANGUARD WORLD FDS UTILITIES ETF 92204A876 3,467 24,262 SH   SOLE   0 0 24,262
UNITEDHEALTH GROUP INC COM 91324P102 3,456 11,757 SH   SOLE   0 0 11,757
ISHARES GOLD TRUST ISHARES 464285105 3,405 234,861 SH   SOLE   0 0 234,861
RAYTHEON CO COM NEW 755111507 3,234 14,717 SH   SOLE   0 0 14,717
US BANCORP DEL COM NEW 902973304 3,211 54,163 SH   SOLE   0 0 54,163
NIKE INC CL B 654106103 3,116 30,754 SH   SOLE   0 0 30,754
SMUCKER J M CO COM NEW 832696405 2,793 26,818 SH   SOLE   0 0 26,818
LOWES COS INC COM 548661107 2,695 22,506 SH   SOLE   0 0 22,506
FISERV INC COM 337738108 2,648 22,902 SH   SOLE   0 0 22,902
KIMBERLY CLARK CORP COM 494368103 2,570 18,686 SH   SOLE   0 0 18,686
ROSS STORES INC COM 778296103 2,528 21,712 SH   SOLE   0 0 21,712
INTERNATIONAL BUSINESS MACHS COM 459200101 2,488 18,564 SH   SOLE   0 0 18,564
LINDE PLC SHS G5494J103 2,440 11,460 SH   SOLE   0 0 11,460
ETSY INC COM 29786A106 2,123 47,930 SH   SOLE   0 0 47,930
ISHARES TR CORE S&P500 ETF 464287200 2,069 6,402 SH   SOLE   0 0 6,402
SS&C TECHNOLOGIES HLDGS INC COM 78467J100 2,034 33,132 SH   SOLE   0 0 33,132
MONDELEZ INTL INC CL A 609207105 1,997 36,257 SH   SOLE   0 0 36,257
ISHARES TR TIPS BD ETF 464287176 1,985 17,030 SH   SOLE   0 0 17,030
SERVICEMASTER GLOBAL HLDGS I COM 81761R109 1,977 51,146 SH   SOLE   0 0 51,146
PHILIP MORRIS INTL INC COM 718172109 1,933 22,722 SH   SOLE   0 0 22,722
AVALARA INC COM 05338G106 1,844 25,180 SH   SOLE   0 0 25,180
ALTRIA GROUP INC COM 02209S103 1,788 35,833 SH   SOLE   0 0 35,833
FASTENAL CO COM 311900104 1,787 48,360 SH   SOLE   0 0 48,360
VANGUARD INDEX FDS MID CAP ETF 922908629 1,736 9,745 SH   SOLE   0 0 9,745
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,708 18,404 SH   SOLE   0 0 18,404
LILLY ELI & CO COM 532457108 1,685 12,823 SH   SOLE   0 0 12,823
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,676 20,791 SH   SOLE   0 0 20,791
AUTOMATIC DATA PROCESSING IN COM 053015103 1,656 9,711 SH   SOLE   0 0 9,711
MARKEL CORP COM 570535104 1,647 1,441 SH   SOLE   0 0 1,441
COLGATE PALMOLIVE CO COM 194162103 1,628 23,653 SH   SOLE   0 0 23,653
MERCK & CO INC COM 58933Y105 1,622 17,839 SH   SOLE   0 0 17,839
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 1,569 5,505 SH   SOLE   0 0 5,505
PROGRESSIVE CORP OHIO COM 743315103 1,560 21,550 SH   SOLE   0 0 21,550
ECOLAB INC COM 278865100 1,490 7,722 SH   SOLE   0 0 7,722
CATERPILLAR INC DEL COM 149123101 1,475 9,991 SH   SOLE   0 0 9,991
NORTHROP GRUMMAN CORP COM 666807102 1,461 4,248 SH   SOLE   0 0 4,248
ISHARES TR EAFE SML CP ETF 464288273 1,451 23,306 SH   SOLE   0 0 23,306
AMERICAN EXPRESS CO COM 025816109 1,447 11,627 SH   SOLE   0 0 11,627
FRONTDOOR INC COM 35905A109 1,437 30,309 SH   SOLE   0 0 30,309
UNITED PARCEL SERVICE INC CL B 911312106 1,426 12,183 SH   SOLE   0 0 12,183
UNILEVER N V N Y SHS NEW 904784709 1,414 24,609 SH   SOLE   0 0 24,609
REALTY INCOME CORP COM 756109104 1,367 18,565 SH   SOLE   0 0 18,565
TJX COS INC NEW COM 872540109 1,297 21,242 SH   SOLE   0 0 21,242
BANK AMER CORP COM 060505104 1,234 35,044 SH   SOLE   0 0 35,044
ISHARES TR FLTG RATE NT ETF 46429B655 1,234 24,241 SH   SOLE   0 0 24,241
MEDTRONIC PLC SHS G5960L103 1,231 10,853 SH   SOLE   0 0 10,853
ISHARES TR NATIONAL MUN ETF 464288414 1,226 10,761 SH   SOLE   0 0 10,761
WELLS FARGO CO NEW COM 949746101 1,199 22,288 SH   SOLE   0 0 22,288
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 1,185 20,089 SH   SOLE   0 0 20,089
CONOCOPHILLIPS COM 20825C104 1,179 18,125 SH   SOLE   0 0 18,125
ORACLE CORP COM 68389X105 1,158 21,853 SH   SOLE   0 0 21,853
AMERICAN ELEC PWR CO INC COM 025537101 1,134 11,994 SH   SOLE   0 0 11,994
CVB FINL CORP COM 126600105 1,129 52,304 SH   SOLE   0 0 52,304
ILLINOIS TOOL WKS INC COM 452308109 1,113 6,197 SH   SOLE   0 0 6,197
ZIMMER BIOMET HLDGS INC COM 98956P102 1,101 7,355 SH   SOLE   0 0 7,355
PRICE T ROWE GROUP INC COM 74144T108 1,094 8,975 SH   SOLE   0 0 8,975
WEYERHAEUSER CO COM 962166104 1,068 35,373 SH   SOLE   0 0 35,373
TARGET CORP COM 87612E106 1,031 8,042 SH   SOLE   0 0 8,042
STARBUCKS CORP COM 855244109 1,025 11,663 SH   SOLE   0 0 11,663
GENUINE PARTS CO COM 372460105 1,015 9,557 SH   SOLE   0 0 9,557
LOCKHEED MARTIN CORP COM 539830109 958 2,459 SH   SOLE   0 0 2,459
VANGUARD INDEX FDS SML CP GRW ETF 922908595 950 4,779 SH   SOLE   0 0 4,779
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 941 21,159 SH   SOLE   0 0 21,159
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 925 2,464 SH   SOLE   0 0 2,464
PHILLIPS 66 COM 718546104 906 8,131 SH   SOLE   0 0 8,131
WALGREENS BOOTS ALLIANCE INC COM 931427108 888 15,056 SH   SOLE   0 0 15,056
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 867 14,462 SH   SOLE   0 0 14,462
VANGUARD GROUP DIV APP ETF 921908844 853 6,842 SH   SOLE   0 0 6,842
VANECK VECTORS ETF TRUST BIOTECH ETF 92189F726 837 6,000 SH   SOLE   0 0 6,000
CANADIAN PAC RY LTD COM 13645T100 823 3,228 SH   SOLE   0 0 3,228
HERSHEY CO COM 427866108 823 5,600 SH   SOLE   0 0 5,600
ISHARES TR RUSSELL 2000 ETF 464287655 804 4,855 SH   SOLE   0 0 4,855
VANGUARD INDEX FDS SMALL CP ETF 922908751 782 4,723 SH   SOLE   0 0 4,723
NUVEEN CA QUALTY MUN INCOME COM 67066Y105 746 50,122 SH   SOLE   0 0 50,122
VANGUARD INDEX FDS SM CP VAL ETF 922908611 739 5,395 SH   SOLE   0 0 5,395
HUMANA INC COM 444859102 733 2,000 SH   SOLE   0 0 2,000
DUPONT DE NEMOURS INC COM 26614N102 731 11,379 SH   SOLE   0 0 11,379
NEXTERA ENERGY INC COM 65339F101 671 2,770 SH   SOLE   0 0 2,770
BERKSHIRE HATHAWAY INC DEL CL A 084670108 647 2 SH   SOLE   0 0 2
GENERAL MLS INC COM 370334104 645 12,049 SH   SOLE   0 0 12,049
ISHARES TR CORE S&P MCP ETF 464287507 641 3,115 SH   SOLE   0 0 3,115
UNILEVER PLC SPON ADR NEW 904767704 637 11,140 SH   SOLE   0 0 11,140
DANAHER CORPORATION COM 235851102 632 4,115 SH   SOLE   0 0 4,115
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 615 13,086 SH   SOLE   0 0 13,086
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 590 10,335 SH   SOLE   0 0 10,335
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 590 6,762 SH   SOLE   0 0 6,762
PAYCHEX INC COM 704326107 582 6,848 SH   SOLE   0 0 6,848
GENERAL ELECTRIC CO COM 369604103 515 46,187 SH   SOLE   0 0 46,187
SCHWAB STRATEGIC TR US TIPS ETF 808524870 510 9,000 SH   SOLE   0 0 9,000
AFLAC INC COM 001055102 503 9,507 SH   SOLE   0 0 9,507
CAMPBELL SOUP CO COM 134429109 502 10,150 SH   SOLE   0 0 10,150
ISHARES TR MSCI EMG MKT ETF 464287234 492 10,960 SH   SOLE   0 0 10,960
FEDEX CORP COM 31428X106 491 3,248 SH   SOLE   0 0 3,248
CIGNA CORP NEW COM 125523100 486 2,379 SH   SOLE   0 0 2,379
GILEAD SCIENCES INC COM 375558103 468 7,200 SH   SOLE   0 0 7,200
TELEDYNE TECHNOLOGIES INC COM 879360105 460 1,328 SH   SOLE   0 0 1,328
STATE STR CORP COM 857477103 459 5,800 SH   SOLE   0 0 5,800
NORDSTROM INC COM 655664100 446 10,900 SH   SOLE   0 0 10,900
GOLDMAN SACHS GROUP INC COM 38141G104 431 1,875 SH   SOLE   0 0 1,875
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 418 3,511 SH   SOLE   0 0 3,511
CSX CORP COM 126408103 417 5,758 SH   SOLE   0 0 5,758
INGERSOLL-RAND PLC SHS G47791101 399 3,000 SH   SOLE   0 0 3,000
AQUA AMERICA INC COM 03836W103 383 8,168 SH   SOLE   0 0 8,168
AT&T INC COM 00206R102 377 9,647 SH   SOLE   0 0 9,647
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 361 3,600 SH   SOLE   0 0 3,600
TRAVELERS COMPANIES INC COM 89417E109 359 2,619 SH   SOLE   0 0 2,619
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 347 7,866 SH   SOLE   0 0 7,866
SOUTHERN CO COM 842587107 346 5,432 SH   SOLE   0 0 5,432
CITIGROUP INC COM NEW 172967424 342 4,280 SH   SOLE   0 0 4,280
DOW INC COM 260557103 335 6,129 SH   SOLE   0 0 6,129
UNITED RENTALS INC COM 911363109 334 2,000 SH   SOLE   0 0 2,000
CHUBB LIMITED COM H1467J104 334 2,146 SH   SOLE   0 0 2,146
CARMAX INC COM 143130102 333 3,800 SH   SOLE   0 0 3,800
PACCAR INC COM 693718108 333 4,215 SH   SOLE   0 0 4,215
ISHARES TR CORE S&P US VLU 464287663 329 5,224 SH   SOLE   0 0 5,224
TESLA INC COM 88160R101 316 755 SH   SOLE   0 0 755
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 313 4,000 SH   SOLE   0 0 4,000
ISHARES TR S&P 500 VAL ETF 464287408 310 2,386 SH   SOLE   0 0 2,386
ALLIANT ENERGY CORP COM 018802108 306 5,600 SH   SOLE   0 0 5,600
SCHLUMBERGER LTD COM 806857108 298 7,406 SH   SOLE   0 0 7,406
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 297 3,252 SH   SOLE   0 0 3,252
ISHARES TR PFD AND INCM SEC 464288687 276 7,352 SH   SOLE   0 0 7,352
PAYPAL HLDGS INC COM 70450Y103 276 2,550 SH   SOLE   0 0 2,550
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 267 4,250 SH   SOLE   0 0 4,250
HAWAIIAN ELEC INDUSTRIES COM 419870100 266 5,678 SH   SOLE   0 0 5,678
SALESFORCE COM INC COM 79466L302 266 1,635 SH   SOLE   0 0 1,635
DOMINION ENERGY INC COM 25746U109 262 3,165 SH   SOLE   0 0 3,165
BOOKING HLDGS INC COM 09857L108 253 123 SH   SOLE   0 0 123
RAYONIER INC COM 754907103 246 7,500 SH   SOLE   0 0 7,500
HANNON ARMSTRONG SUST INFR C COM 41068X100 238 7,406 SH   SOLE   0 0 7,406
QUALCOMM INC COM 747525103 238 2,700 SH   SOLE   0 0 2,700
CORTEVA INC COM 22052L104 236 8,000 SH   SOLE   0 0 8,000
NVR INC COM 62944T105 229 60 SH   SOLE   0 0 60
HARTFORD FINL SVCS GROUP INC COM 416515104 225 3,700 SH   SOLE   0 0 3,700
EATON CORP PLC SHS G29183103 224 2,365 SH   SOLE   0 0 2,365
ALLSTATE CORP COM 020002101 223 1,981 SH   SOLE   0 0 1,981
GENERAL DYNAMICS CORP COM 369550108 220 1,249 SH   SOLE   0 0 1,249
CAPITAL ONE FINL CORP COM 14040H105 206 2,000 SH   SOLE   0 0 2,000
BANCO SANTANDER SA ADR 05964H105 205 49,401 SH   SOLE   0 0 49,401
ABERDEEN STD PALLADIUM ETF T PHYSCL PALLADM 003262102 203 1,110 SH   SOLE   0 0 1,110
ISHARES TR RUS MID CAP ETF 464287499 203 3,409 SH   SOLE   0 0 3,409
NUVEEN CALIF MUN VALUE FD COM 67062C107 177 16,618 SH   SOLE   0 0 16,618
ZIOPHARM ONCOLOGY INC COM 98973P101 132 28,000 SH   SOLE   0 0 28,000
PIMCO CALIF MUN INCOME FD II COM 72201C109 114 10,000 SH   SOLE   0 0 10,000
PIMCO CALIF MUN INCOME FD II COM 72200M108 100 10,000 SH   SOLE   0 0 10,000