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
ADOBE SYSTEMS INCORPORATED COM 00724F101 252 514 SH   SOLE   514 0 0
AFLAC INC COM 001055102 3,231 88,873 SH   SOLE   88,873 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 4,274 14,539 SH   SOLE   14,539 0 0
ALPHABET INC CAP STK CL C 02079K107 6,162 4,193 SH   SOLE   4,193 0 0
ALPHABET INC CAP STK CL A 02079K305 655 447 SH   SOLE   447 0 0
AMAZON COM INC COM 023135106 3,372 1,071 SH   SOLE   1,071 0 0
AMERICAN EXPRESS CO COM 025816109 3,514 35,051 SH   SOLE   35,051 0 0
AMGEN INC COM 031162100 5,601 22,039 SH   SOLE   22,039 0 0
APPLE INC COM 037833100 14,239 122,952 SH   SOLE   122,952 0 0
AT&T INC COM 00206R102 3,189 111,862 SH   SOLE   111,862 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 443 2,081 SH   SOLE   2,081 0 0
BK OF AMERICA CORP COM 060505104 3,663 152,074 SH   SOLE   152,074 0 0
BLACKLINE INC COM 09239B109 305 3,405 SH   SOLE   3,405 0 0
BOEING CO COM 097023105 3,276 19,824 SH   SOLE   19,824 0 0
BP PLC SPONSORED ADR 055622104 1,745 99,918 SH   SOLE   99,918 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 742 12,312 SH   SOLE   12,312 0 0
CANADA GOOSE HLDGS INC SHS SUB VTG 135086106 732 22,765 SH   SOLE   22,765 0 0
CATERPILLAR INC DEL COM 149123101 244 1,634 SH   SOLE   1,634 0 0
CHEVRON CORP NEW COM 166764100 3,145 43,680 SH   SOLE   43,680 0 0
CIGNA CORP NEW COM 125523100 4,287 25,307 SH   SOLE   25,307 0 0
CISCO SYS INC COM 17275R102 3,685 93,555 SH   SOLE   93,555 0 0
CITIGROUP INC COM NEW 172967424 2,874 66,664 SH   SOLE   66,664 0 0
COSTCO WHSL CORP NEW COM 22160K105 292 822 SH   SOLE   822 0 0
D R HORTON INC COM 23331A109 4,413 58,351 SH   SOLE   58,351 0 0
DUPONT DE NEMOURS INC COM 26614N102 3,475 62,636 SH   SOLE   62,636 0 0
EXXON MOBIL CORP COM 30231G102 1,293 37,651 SH   SOLE   37,651 0 0
FACEBOOK INC CL A 30303M102 6,665 25,447 SH   SOLE   25,447 0 0
FIRST TR EXCHANGE-TRADED FD FIRST TR TA HIYL 33738D408 25,446 539,338 SH   SOLE   539,338 0 0
FRESENIUS MED CARE AG&CO KGA SPONSORED ADR 358029106 445 10,482 SH   SOLE   10,482 0 0
GENERAL DYNAMICS CORP COM 369550108 3,072 22,194 SH   SOLE   22,194 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 31,731 315,951 SH   SOLE   315,951 0 0
HOME DEPOT INC COM 437076102 4,447 16,013 SH   SOLE   16,013 0 0
INTEL CORP COM 458140100 3,562 68,790 SH   SOLE   68,790 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 279 2,293 SH   SOLE   2,293 0 0
INTUIT COM 461202103 489 1,500 SH   SOLE   1,500 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 8,369 30,121 SH   SOLE   30,121 0 0
ISHARES GOLD TRUST ISHARES 464285105 2,139 118,909 SH   SOLE   118,909 0 0
ISHARES INC CORE MSCI EMKT 46434G103 5,380 101,902 SH   SOLE   101,902 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,319 38,479 SH   SOLE   38,479 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 1,428 32,491 SH   SOLE   32,491 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 406 6,388 SH   SOLE   6,388 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 53,643 976,918 SH   SOLE   976,918 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 45,839 424,047 SH   SOLE   424,047 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 20,129 331,014 SH   SOLE   331,014 0 0
ISHARES TR RUS MD CP GR ETF 464287481 19,877 114,982 SH   SOLE   114,982 0 0
ISHARES TR NATIONAL MUN ETF 464288414 18,458 159,219 SH   SOLE   159,219 0 0
ISHARES TR EAFE SML CP ETF 464288273 17,647 299,152 SH   SOLE   299,152 0 0
ISHARES TR MICRO-CAP ETF 464288869 16,952 187,381 SH   SOLE   187,381 0 0
ISHARES TR S&P SML 600 GWT 464287887 15,779 89,428 SH   SOLE   89,428 0 0
ISHARES TR SP SMCP600VL ETF 464287879 15,616 127,562 SH   SOLE   127,562 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 14,967 185,141 SH   SOLE   185,141 0 0
ISHARES TR COHEN STEER REIT 464287564 9,024 88,457 SH   SOLE   88,457 0 0
ISHARES TR CORE S&P SCP ETF 464287804 8,629 122,862 SH   SOLE   122,862 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 5,943 26,830 SH   SOLE   26,830 0 0
ISHARES TR CORE S&P500 ETF 464287200 5,414 16,110 SH   SOLE   16,110 0 0
ISHARES TR CORE US AGGBD ET 464287226 5,338 45,212 SH   SOLE   45,212 0 0
ISHARES TR SHORT TREAS BD 464288679 5,105 46,112 SH   SOLE   46,112 0 0
ISHARES TR EAFE GRWTH ETF 464288885 4,475 49,788 SH   SOLE   49,788 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,956 62,145 SH   SOLE   62,145 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 3,953 18,225 SH   SOLE   18,225 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 3,255 32,772 SH   SOLE   32,772 0 0
ISHARES TR S&P MC 400VL ETF 464287705 2,834 21,011 SH   SOLE   21,011 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 2,315 19,601 SH   SOLE   19,601 0 0
ISHARES TR RUS MID CAP ETF 464287499 2,009 35,008 SH   SOLE   35,008 0 0
ISHARES TR CALIF MUN BD ETF 464288356 1,710 27,415 SH   SOLE   27,415 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,089 4,553 SH   SOLE   4,553 0 0
ISHARES TR EAFE VALUE ETF 464288877 580 14,373 SH   SOLE   14,373 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 357 2,383 SH   SOLE   2,383 0 0
ISHARES TR CORE S&P MCP ETF 464287507 342 1,848 SH   SOLE   1,848 0 0
ISHARES TR IBOXX HI YD ETF 464288513 339 4,046 SH   SOLE   4,046 0 0
ISHARES TR MSCI USA ESG SLC 464288802 329 2,239 SH   SOLE   2,239 0 0
ISHARES TR TIPS BD ETF 464287176 272 2,151 SH   SOLE   2,151 0 0
ISHARES TR U.S. REAL ES ETF 464287739 201 2,514 SH   SOLE   2,514 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 4,430 29,755 SH   SOLE   29,755 0 0
JPMORGAN CHASE & CO COM 46625H100 4,033 41,890 SH   SOLE   41,890 0 0
KIMBERLY CLARK CORP COM 494368103 3,798 25,722 SH   SOLE   25,722 0 0
KONINKLIJKE PHILIPS N V NY REG SH NEW 500472303 3,409 72,311 SH   SOLE   72,311 0 0
MASTERCARD INCORPORATED CL A 57636Q104 308 911 SH   SOLE   911 0 0
MCDONALDS CORP COM 580135101 362 1,649 SH   SOLE   1,649 0 0
MERCK & CO. INC COM 58933Y105 4,142 49,935 SH   SOLE   49,935 0 0
METLIFE INC COM 59156R108 2,959 79,602 SH   SOLE   79,602 0 0
MGE ENERGY INC COM 55277P104 251 4,000 SH   SOLE   4,000 0 0
MICROSOFT CORP COM 594918104 7,860 37,371 SH   SOLE   37,371 0 0
NETFLIX INC COM 64110L106 1,060 2,120 SH   SOLE   2,120 0 0
NIKE INC CL B 654106103 451 3,593 SH   SOLE   3,593 0 0
NORTHERN DYNASTY MINERALS LT COM NEW 66510M204 10 10,000 SH   SOLE   10,000 0 0
NVIDIA CORPORATION COM 67066G104 6,676 12,335 SH   SOLE   12,335 0 0
ORACLE CORP COM 68389X105 201 3,363 SH   SOLE   3,363 0 0
PAGSEGURO DIGITAL LTD COM CL A G68707101 3,961 105,037 SH   SOLE   105,037 0 0
PAYPAL HLDGS INC COM 70450Y103 786 3,990 SH   SOLE   3,990 0 0
PEPSICO INC COM 713448108 624 4,500 SH   SOLE   4,500 0 0
PFIZER INC COM 717081103 3,936 107,237 SH   SOLE   107,237 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 612 5,441 SH   SOLE   5,441 0 0
PROCTER AND GAMBLE CO COM 742718109 4,564 32,840 SH   SOLE   32,840 0 0
REGENERON PHARMACEUTICALS COM 75886F107 4,964 8,868 SH   SOLE   8,868 0 0
RPM INTL INC COM 749685103 4,135 49,915 SH   SOLE   49,915 0 0
SALESFORCE COM INC COM 79466L302 437 1,739 SH   SOLE   1,739 0 0
SAP SE SPON ADR 803054204 3,216 20,644 SH   SOLE   20,644 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 6,592 57,234 SH   SOLE   57,234 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,930 113,614 SH   SOLE   113,614 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,455 136,947 SH   SOLE   136,947 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,145 36,454 SH   SOLE   36,454 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 742 13,382 SH   SOLE   13,382 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 701 12,491 SH   SOLE   12,491 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 669 9,786 SH   SOLE   9,786 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 444 16,591 SH   SOLE   16,591 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 426 5,347 SH   SOLE   5,347 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 354 4,396 SH   SOLE   4,396 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 206 3,340 SH   SOLE   3,340 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 4,860 163,578 SH   SOLE   163,578 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 906 29,853 SH   SOLE   29,853 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 899 24,579 SH   SOLE   24,579 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,528 4,562 SH   SOLE   4,562 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 303 895 SH   SOLE   895 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 3,094 59,585 SH   SOLE   59,585 0 0
SPDR SER TR DJ REIT ETF 78464A607 2,013 25,821 SH   SOLE   25,821 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201 986 16,705 SH   SOLE   16,705 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 670 13,437 SH   SOLE   13,437 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 375 7,490 SH   SOLE   7,490 0 0
STARBUCKS CORP COM 855244109 2,806 32,663 SH   SOLE   32,663 0 0
TARGET CORP COM 87612E106 5,064 32,166 SH   SOLE   32,166 0 0
TECK RESOURCES LTD CL B 878742204 2,884 207,165 SH   SOLE   207,165 0 0
TESLA INC COM 88160R101 204 475 SH   SOLE   475 0 0
TEXAS INSTRS INC COM 882508104 259 1,815 SH   SOLE   1,815 0 0
UNILEVER N V N Y SHS NEW 904784709 3,082 51,022 SH   SOLE   51,022 0 0
UNITEDHEALTH GROUP INC COM 91324P102 220 707 SH   SOLE   707 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 2,080 53,103 SH   SOLE   53,103 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,425 27,491 SH   SOLE   27,491 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 249 2,994 SH   SOLE   2,994 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 4,436 25,165 SH   SOLE   25,165 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 3,360 14,760 SH   SOLE   14,760 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,658 17,279 SH   SOLE   17,279 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,459 14,437 SH   SOLE   14,437 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,637 7,615 SH   SOLE   7,615 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,005 12,729 SH   SOLE   12,729 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 799 5,108 SH   SOLE   5,108 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 507 1,648 SH   SOLE   1,648 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 314 1,745 SH   SOLE   1,745 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 236 2,258 SH   SOLE   2,258 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,824 55,974 SH   SOLE   55,974 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,591 36,784 SH   SOLE   36,784 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 434 8,933 SH   SOLE   8,933 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 687 16,800 SH   SOLE   16,800 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 446 7,501 SH   SOLE   7,501 0 0
VISA INC COM CL A 92826C839 3,325 16,625 SH   SOLE   16,625 0 0
WALMART INC COM 931142103 4,212 30,108 SH   SOLE   30,108 0 0
WISDOMTREE TR INTL QULTY DIV 97717X131 40,177 1,232,151 SH   SOLE   1,232,151 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 38,065 767,904 SH   SOLE   767,904 0 0
WISDOMTREE TR EM MKTS QTLY DIV 97717W323 10,413 430,295 SH   SOLE   430,295 0 0
WISDOMTREE TR INTL ESG FUND 97717Y709 1,236 48,655 SH   SOLE   48,655 0 0
WISDOMTREE TR INTL SMCAP DIV 97717W760 1,199 20,014 SH   SOLE   20,014 0 0
WISDOMTREE TR GLB EX US RL EST 97717W331 1,130 46,485 SH   SOLE   46,485 0 0
WISDOMTREE TR INTL MIDCAP DV 97717W778 689 12,315 SH   SOLE   12,315 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 524 5,400 SH   SOLE   5,400 0 0
WISDOMTREE TR EMER MKT HIGH FD 97717W315 286 8,105 SH   SOLE   8,105 0 0
XILINX INC COM 983919101 3,319 31,836 SH   SOLE   31,836 0 0