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
ABBVIE INC COM 00287Y109 412 4,200 SH   SOLE   4,200 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 351 1,637 SH   SOLE   1,637 0 0
ADOBE INC COM 00724F101 310 711 SH   SOLE   711 0 0
AFLAC INC COM 001055102 2,900 80,491 SH   SOLE   80,491 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 3,325 15,415 SH   SOLE   15,415 0 0
ALPHABET INC CAP STK CL A 02079K305 780 550 SH   SOLE   550 0 0
ALPHABET INC CAP STK CL C 02079K107 6,120 4,329 SH   SOLE   4,329 0 0
AMAZON COM INC COM 023135106 2,960 1,073 SH   SOLE   1,073 0 0
AMERICAN EXPRESS CO COM 025816109 3,116 32,732 SH   SOLE   32,732 0 0
AMGEN INC COM 031162100 5,198 22,038 SH   SOLE   22,038 0 0
APPLE INC COM 037833100 11,891 32,596 SH   SOLE   32,596 0 0
AT&T INC COM 00206R102 3,085 102,053 SH   SOLE   102,053 0 0
BECTON DICKINSON & CO COM 075887109 371 1,550 SH   SOLE   1,550 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 387 2,168 SH   SOLE   2,168 0 0
BK OF AMERICA CORP COM 060505104 3,397 143,026 SH   SOLE   143,026 0 0
BLACKLINE INC COM 09239B109 282 3,405 SH   SOLE   3,405 0 0
BOEING CO COM 097023105 2,971 16,208 SH   SOLE   16,208 0 0
BP PLC SPONSORED ADR 055622104 1,998 85,661 SH   SOLE   85,661 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 732 12,454 SH   SOLE   12,454 0 0
CANADIAN NATL RY CO COM 136375102 208 2,348 SH   SOLE   2,348 0 0
CATERPILLAR INC DEL COM 149123101 259 2,044 SH   SOLE   2,044 0 0
CHEVRON CORP NEW COM 166764100 3,780 42,363 SH   SOLE   42,363 0 0
CIGNA CORP NEW COM 125523100 4,407 23,487 SH   SOLE   23,487 0 0
CISCO SYS INC COM 17275R102 4,146 88,898 SH   SOLE   88,898 0 0
CITIGROUP INC COM NEW 172967424 2,999 58,699 SH   SOLE   58,699 0 0
COCA COLA CO COM 191216100 339 7,578 SH   SOLE   7,578 0 0
COSTCO WHSL CORP NEW COM 22160K105 263 867 SH   SOLE   867 0 0
D R HORTON INC COM 23331A109 3,532 63,706 SH   SOLE   63,706 0 0
DISNEY WALT CO COM DISNEY 254687106 3,586 32,157 SH   SOLE   32,157 0 0
DOLLAR GEN CORP NEW COM 256677105 317 1,663 SH   SOLE   1,663 0 0
DUPONT DE NEMOURS INC COM 26614N102 3,028 56,995 SH   SOLE   56,995 0 0
EXXON MOBIL CORP COM 30231G102 1,405 31,412 SH   SOLE   31,412 0 0
FACEBOOK INC CL A 30303M102 6,302 27,752 SH   SOLE   27,752 0 0
FIRST TR EXCHANGE-TRADED FD FIRST TR TA HIYL 33738D408 18,262 398,483 SH   SOLE   398,483 0 0
FRESENIUS MED CARE AG&CO KGA SPONSORED ADR 358029106 454 10,482 SH   SOLE   10,482 0 0
GARTNER INC COM 366651107 211 1,737 SH   SOLE   1,737 0 0
GENERAL DYNAMICS CORP COM 369550108 3,091 20,680 SH   SOLE   20,680 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 25,823 256,974 SH   SOLE   256,974 0 0
HOME DEPOT INC COM 437076102 4,103 16,378 SH   SOLE   16,378 0 0
HONEYWELL INTL INC COM 438516106 207 1,434 SH   SOLE   1,434 0 0
HORMEL FOODS CORP COM 440452100 212 4,385 SH   SOLE   4,385 0 0
INTEL CORP COM 458140100 4,234 70,774 SH   SOLE   70,774 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 327 2,707 SH   SOLE   2,707 0 0
INTUIT COM 461202103 1,667 5,627 SH   SOLE   5,627 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 6,447 26,040 SH   SOLE   26,040 0 0
ISHARES GOLD TRUST ISHARES 464285105 2,175 128,031 SH   SOLE   128,031 0 0
ISHARES INC CORE MSCI EMKT 46434G103 6,548 137,555 SH   SOLE   137,555 0 0
ISHARES TR MSCI USA ESG SLC 464288802 265 1,979 SH   SOLE   1,979 0 0
ISHARES TR CORE S&P MCP ETF 464287507 338 1,898 SH   SOLE   1,898 0 0
ISHARES TR ESG MSCI EAFE 46435G516 374 6,173 SH   SOLE   6,173 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 455 3,177 SH   SOLE   3,177 0 0
ISHARES TR TIPS BD ETF 464287176 468 3,805 SH   SOLE   3,805 0 0
ISHARES TR IBOXX HI YD ETF 464288513 495 6,061 SH   SOLE   6,061 0 0
ISHARES TR EAFE VALUE ETF 464288877 732 18,308 SH   SOLE   18,308 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,169 5,219 SH   SOLE   5,219 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 1,459 34,008 SH   SOLE   34,008 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,825 34,057 SH   SOLE   34,057 0 0
ISHARES TR CALIF MUN BD ETF 464288356 2,135 34,340 SH   SOLE   34,340 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 2,223 19,741 SH   SOLE   19,741 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,397 41,935 SH   SOLE   41,935 0 0
ISHARES TR S&P MC 400VL ETF 464287705 2,839 21,352 SH   SOLE   21,352 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 3,229 33,134 SH   SOLE   33,134 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 3,342 17,408 SH   SOLE   17,408 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,849 63,226 SH   SOLE   63,226 0 0
ISHARES TR EAFE GRWTH ETF 464288885 4,419 53,168 SH   SOLE   53,168 0 0
ISHARES TR SHORT TREAS BD 464288679 4,972 44,897 SH   SOLE   44,897 0 0
ISHARES TR CORE S&P500 ETF 464287200 5,045 16,289 SH   SOLE   16,289 0 0
ISHARES TR CORE US AGGBD ET 464287226 5,465 46,232 SH   SOLE   46,232 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 5,661 27,367 SH   SOLE   27,367 0 0
ISHARES TR CORE S&P SCP ETF 464287804 8,400 123,012 SH   SOLE   123,012 0 0
ISHARES TR COHEN STEER REIT 464287564 8,426 83,523 SH   SOLE   83,523 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 13,699 178,996 SH   SOLE   178,996 0 0
ISHARES TR SP SMCP600VL ETF 464287879 14,630 121,539 SH   SOLE   121,539 0 0
ISHARES TR S&P SML 600 GWT 464287887 14,887 87,676 SH   SOLE   87,676 0 0
ISHARES TR EAFE SML CP ETF 464288273 15,389 286,994 SH   SOLE   286,994 0 0
ISHARES TR MICRO-CAP ETF 464288869 15,858 181,715 SH   SOLE   181,715 0 0
ISHARES TR NATIONAL MUN ETF 464288414 18,137 157,168 SH   SOLE   157,168 0 0
ISHARES TR INTRM TR CRP ETF 464288638 18,814 311,594 SH   SOLE   311,594 0 0
ISHARES TR RUS MD CP GR ETF 464287481 18,887 119,450 SH   SOLE   119,450 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 45,718 423,860 SH   SOLE   423,860 0 0
ISHARES TR SH TR CRPORT ETF 464288646 50,328 919,909 SH   SOLE   919,909 0 0
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 306 6,112 SH   SOLE   6,112 0 0
JOHNSON & JOHNSON COM 478160104 4,526 32,184 SH   SOLE   32,184 0 0
JPMORGAN CHASE & CO COM 46625H100 3,732 39,675 SH   SOLE   39,675 0 0
KEYCORP COM 493267108 140 11,505 SH   SOLE   11,505 0 0
KIMBERLY CLARK CORP COM 494368103 3,674 25,991 SH   SOLE   25,991 0 0
KONINKLIJKE PHILIPS N V NY REG SH NEW 500472303 3,378 72,112 SH   SOLE   72,112 0 0
LAUDER ESTEE COS INC CL A 518439104 201 1,065 SH   SOLE   1,065 0 0
LOCKHEED MARTIN CORP COM 539830109 266 729 SH   SOLE   729 0 0
LOWES COS INC COM 548661107 323 2,389 SH   SOLE   2,389 0 0
MARKEL CORP COM 570535104 204 221 SH   SOLE   221 0 0
MASTERCARD INCORPORATED CL A 57636Q104 466 1,575 SH   SOLE   1,575 0 0
MCDONALDS CORP COM 580135101 457 2,475 SH   SOLE   2,475 0 0
MERCK & CO. INC COM 58933Y105 3,801 49,149 SH   SOLE   49,149 0 0
METLIFE INC COM 59156R108 2,660 72,848 SH   SOLE   72,848 0 0
MGE ENERGY INC COM 55277P104 258 4,000 SH   SOLE   4,000 0 0
MICROSOFT CORP COM 594918104 9,979 49,036 SH   SOLE   49,036 0 0
NETFLIX INC COM 64110L106 976 2,144 SH   SOLE   2,144 0 0
NIKE INC CL B 654106103 948 9,668 SH   SOLE   9,668 0 0
NORTHERN DYNASTY MINERALS LT COM NEW 66510M204 16 11,000 SH   SOLE   11,000 0 0
NVIDIA CORPORATION COM 67066G104 5,965 15,702 SH   SOLE   15,702 0 0
PAGSEGURO DIGITAL LTD COM CL A G68707101 3,932 111,260 SH   SOLE   111,260 0 0
PAYPAL HLDGS INC COM 70450Y103 734 4,211 SH   SOLE   4,211 0 0
PEPSICO INC COM 713448108 753 5,690 SH   SOLE   5,690 0 0
PERKINELMER INC COM 714046109 383 3,901 SH   SOLE   3,901 0 0
PFIZER INC COM 717081103 3,458 105,755 SH   SOLE   105,755 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 618 5,541 SH   SOLE   5,541 0 0
PROCTER AND GAMBLE CO COM 742718109 4,188 35,027 SH   SOLE   35,027 0 0
REGENERON PHARMACEUTICALS COM 75886F107 5,641 9,045 SH   SOLE   9,045 0 0
RPM INTL INC COM 749685103 3,742 49,860 SH   SOLE   49,860 0 0
SALESFORCE COM INC COM 79466L302 293 1,565 SH   SOLE   1,565 0 0
SAP SE SPON ADR 803054204 3,153 22,524 SH   SOLE   22,524 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 200 3,340 SH   SOLE   3,340 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 329 4,441 SH   SOLE   4,441 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 492 6,702 SH   SOLE   6,702 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 533 21,894 SH   SOLE   21,894 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 704 12,511 SH   SOLE   12,511 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 778 14,788 SH   SOLE   14,788 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 780 11,935 SH   SOLE   11,935 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,363 45,799 SH   SOLE   45,799 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,087 138,230 SH   SOLE   138,230 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,897 117,679 SH   SOLE   117,679 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 6,279 61,842 SH   SOLE   61,842 0 0
SHERWIN WILLIAMS CO COM 824348106 220 381 SH   SOLE   381 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 818 29,903 SH   SOLE   29,903 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 834 24,913 SH   SOLE   24,913 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 4,253 147,563 SH   SOLE   147,563 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,561 5,063 SH   SOLE   5,063 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 290 895 SH   SOLE   895 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 401 8,163 SH   SOLE   8,163 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 715 14,332 SH   SOLE   14,332 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,018 17,936 SH   SOLE   17,936 0 0
SPDR SER TR DJ REIT ETF 78464A607 2,027 25,981 SH   SOLE   25,981 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 3,233 62,585 SH   SOLE   62,585 0 0
STARBUCKS CORP COM 855244109 2,889 39,259 SH   SOLE   39,259 0 0
SVB FINANCIAL GROUP COM 78486Q101 431 2,000 SH   SOLE   2,000 0 0
TARGET CORP COM 87612E106 4,082 34,040 SH   SOLE   34,040 0 0
TECK RESOURCES LTD CL B 878742204 2,147 206,004 SH   SOLE   206,004 0 0
TEXAS INSTRS INC COM 882508104 914 7,200 SH   SOLE   7,200 0 0
TJX COS INC NEW COM 872540109 297 5,881 SH   SOLE   5,881 0 0
UNILEVER N V N Y SHS NEW 904784709 2,824 53,012 SH   SOLE   53,012 0 0
UNITEDHEALTH GROUP INC COM 91324P102 412 1,398 SH   SOLE   1,398 0 0
UNIVERSAL HEALTH RLTY INCM T SH BEN INT 91359E105 238 3,000 SH   SOLE   3,000 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 2,328 63,470 SH   SOLE   63,470 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,671 30,230 SH   SOLE   30,230 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 263 2,641 SH   SOLE   2,641 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 314 1,900 SH   SOLE   1,900 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 730 5,105 SH   SOLE   5,105 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,114 14,181 SH   SOLE   14,181 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,374 6,886 SH   SOLE   6,886 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,269 14,497 SH   SOLE   14,497 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,542 17,446 SH   SOLE   17,446 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 2,983 14,760 SH   SOLE   14,760 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 4,181 25,510 SH   SOLE   25,510 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 420 8,998 SH   SOLE   8,998 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,656 41,802 SH   SOLE   41,802 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,661 55,893 SH   SOLE   55,893 0 0
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 508 13,091 SH   SOLE   13,091 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 422 7,655 SH   SOLE   7,655 0 0
VISA INC COM CL A 92826C839 3,106 16,081 SH   SOLE   16,081 0 0
VOYA GLBL EQTY DIV & PREM OP COM 92912T100 48 10,000 SH   SOLE   10,000 0 0
VOYA NAT RES EQUITY INCOME F COM 92913C106 37 14,500 SH   SOLE   14,500 0 0
WALMART INC COM 931142103 3,598 30,040 SH   SOLE   30,040 0 0
WISDOMTREE TR EMER MKT HIGH FD 97717W315 318 8,795 SH   SOLE   8,795 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 502 5,400 SH   SOLE   5,400 0 0
WISDOMTREE TR INTL MIDCAP DV 97717W778 737 13,756 SH   SOLE   13,756 0 0
WISDOMTREE TR GLB EX US RL EST 97717W331 1,102 46,215 SH   SOLE   46,215 0 0
WISDOMTREE TR INTL SMCAP DIV 97717W760 1,150 20,678 SH   SOLE   20,678 0 0
WISDOMTREE TR INTL ESG FUND 97717Y709 1,193 48,655 SH   SOLE   48,655 0 0
WISDOMTREE TR INDIA ERNGS FD 97717W422 1,387 69,270 SH   SOLE   69,270 0 0
WISDOMTREE TR EM MKTS QTLY DIV 97717W323 9,157 403,197 SH   SOLE   403,197 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 33,324 732,546 SH   SOLE   732,546 0 0
WISDOMTREE TR INTL QULTY DIV 97717X131 36,072 1,196,404 SH   SOLE   1,196,404 0 0
XILINX INC COM 983919101 3,053 31,025 SH   SOLE   31,025 0 0
ZOETIS INC CL A 98978V103 225 1,643 SH   SOLE   1,643 0 0