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
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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
DISNEY WALT CO COM 254687106 46,599 252,539 SH   SOLE   235,469 0 17,071
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,220 38,385 SH   SOLE   37,435 0 950
YUM CHINA HLDGS INC COM 98850P109 218 3,689 SH   SOLE   3,689 0 0
GLOBAL X FDS AUTONMOUS EV ETF 37954Y624 358 13,492 SH   SOLE   13,492 0 0
PFIZER INC COM 717081103 20,547 567,126 SH   SOLE   532,490 0 34,636
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,221 18,220 SH   SOLE   18,220 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 495 4,588 SH   SOLE   4,298 0 290
DANAHER CORPORATION COM 235851102 36,729 163,180 SH   SOLE   151,487 0 11,693
ISHARES TR EXPND TEC SC ETF 464287549 61,832 171,352 SH   SOLE   158,886 0 12,466
AMERICAN TOWER CORP NEW COM 03027X100 16,964 70,960 SH   SOLE   65,881 0 5,080
KIMBERLY-CLARK CORP COM 494368103 6,116 43,987 SH   SOLE   41,496 0 2,490
PIMCO ETF TR ACTIVE BD ETF 72201R775 7,960 72,722 SH   SOLE   68,295 0 4,427
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 18,339 334,035 SH   SOLE   308,425 0 25,610
EVERSOURCE ENERGY COM 30040W108 399 4,605 SH   SOLE   4,605 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 283 2,000 SH   SOLE   2,000 0 0
MASTERCARD INCORPORATED CL A 57636Q104 40,309 113,211 SH   SOLE   105,735 0 7,476
VANGUARD INDEX FDS LARGE CAP ETF 922908637 14,228 76,782 SH   SOLE   70,038 0 6,745
AMERICAN EXPRESS CO COM 025816109 21,477 151,846 SH   SOLE   142,890 0 8,956
ABBOTT LABS COM 002824100 26,623 222,154 SH   SOLE   209,339 0 12,815
PEPSICO INC COM 713448108 5,663 40,034 SH   SOLE   37,617 0 2,417
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 283 5,754 SH   SOLE   5,754 0 0
BK OF AMERICA CORP COM 060505104 566 14,622 SH   SOLE   14,488 0 134
COSTCO WHSL CORP NEW COM 22160K105 40,175 113,978 SH   SOLE   107,082 0 6,896
ROSS STORES INC COM 778296103 11,953 99,682 SH   SOLE   92,438 0 7,244
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 5,044 73,836 SH   SOLE   68,999 0 4,836
ABIOMED INC COM 003654100 248 777 SH   SOLE   777 0 0
CATERPILLAR INC COM 149123101 299 1,288 SH   SOLE   1,288 0 0
TARGET CORP COM 87612E106 20,076 101,360 SH   SOLE   95,509 0 5,850
AT&T INC COM 00206R102 510 16,847 SH   SOLE   16,847 0 0
AMAZON COM INC COM 023135106 31,770 10,268 SH   SOLE   9,785 0 483
SOUTHWEST AIRLS CO COM 844741108 22,607 370,235 SH   SOLE   347,254 0 22,981
XCEL ENERGY INC COM 98389B100 342 5,136 SH   SOLE   5,136 0 0
APPLE INC COM 037833100 105,045 859,964 SH   SOLE   784,987 0 74,977
ISHARES TR 0-5 YR TIPS ETF 46429B747 63,122 597,065 SH   SOLE   558,626 0 38,440
ISHARES TR INTL SEL DIV ETF 464288448 9,843 312,667 SH   SOLE   304,592 0 8,075
MERCK & CO. INC COM 58933Y105 16,389 212,590 SH   SOLE   199,456 0 13,134
QUALCOMM INC COM 747525103 24,069 181,527 SH   SOLE   170,996 0 10,530
COLGATE PALMOLIVE CO COM 194162103 36,028 457,039 SH   SOLE   425,003 0 32,036
ISHARES GOLD TR ISHARES 464285105 227 13,978 SH   SOLE   13,425 0 553
ORACLE CORP COM 68389X105 236 3,368 SH   SOLE   3,368 0 0
TEXAS INSTRS INC COM 882508104 452 2,390 SH   SOLE   2,360 0 30
EDWARDS LIFESCIENCES CORP COM 28176E108 637 7,618 SH   SOLE   7,021 0 597
CUMMINS INC COM 231021106 201 774 SH   SOLE   774 0 0
PRICE T ROWE GROUP INC COM 74144T108 229 1,335 SH   SOLE   1,335 0 0
ISHARES TR U.S. MED DVC ETF 464288810 2,296 6,950 SH   SOLE   6,396 0 554
VANGUARD INDEX FDS GROWTH ETF 922908736 53,013 206,243 SH   SOLE   193,578 0 12,665
BOEING CO COM 097023105 1,499 5,886 SH   SOLE   5,129 0 757
PROCTER AND GAMBLE CO COM 742718109 7,188 53,076 SH   SOLE   51,118 0 1,958
SCHWAB CHARLES CORP COM 808513105 2,255 34,600 SH   SOLE   34,600 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,374 33,853 SH   SOLE   31,535 0 2,318
STRYKER CORPORATION COM 863667101 18,779 77,094 SH   SOLE   72,760 0 4,334
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 17,804 150,525 SH   SOLE   141,442 0 9,083
WALMART INC COM 931142103 16,807 123,735 SH   SOLE   114,967 0 8,769
INTEL CORP COM 458140100 4,072 63,619 SH   SOLE   63,246 0 373
ISHARES TR GBL COMM SVC ETF 464287275 8,284 103,056 SH   SOLE   98,959 0 4,097
PIMCO ETF TR 1-5 US TIP IDX 72201R205 886 16,157 SH   SOLE   15,836 0 321
DUKE ENERGY CORP NEW COM NEW 26441C204 435 4,502 SH   SOLE   4,502 0 0
ISHARES TR MSCI KLD400 SOC 464288570 753 9,864 SH   SOLE   9,057 0 807
ISHARES TR CORE TOTAL USD 46434V613 37,310 707,290 SH   SOLE   666,168 0 41,123
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 17,874 331,315 SH   SOLE   307,855 0 23,460
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 12,498 46,315 SH   SOLE   42,573 0 3,741
NIKE INC CL B 654106103 18,307 137,763 SH   SOLE   129,280 0 8,483
ISHARES TR GL CLEAN ENE ETF 464288224 311 12,808 SH   SOLE   12,808 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 314 4,970 SH   SOLE   4,970 0 0
COMCAST CORP NEW CL A 20030N101 275 5,079 SH   SOLE   5,079 0 0
FORTIVE CORP COM 34959J108 29,019 410,804 SH   SOLE   382,088 0 28,716
ISHARES TR CORE S&P SCP ETF 464287804 83,088 765,576 SH   SOLE   713,680 0 51,897
CISCO SYS INC COM 17275R102 1,346 26,022 SH   SOLE   25,772 0 250
ISHARES TR GOV/CRED BD ETF 464288596 17,090 142,503 SH   SOLE   134,747 0 7,756
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,419 25,009 SH   SOLE   23,323 0 1,686
JPMORGAN CHASE & CO COM 46625H100 25,657 168,543 SH   SOLE   158,165 0 10,378
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 37,948 148,543 SH   SOLE   139,051 0 9,492
BROADCOM INC COM 11135F101 259 560 SH   SOLE   560 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 278 2,466 SH   SOLE   2,466 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 223 983 SH   SOLE   983 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 30,117 593,096 SH   SOLE   556,236 0 36,860
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855 296 5,059 SH   SOLE   5,059 0 0
ABBVIE INC COM 00287Y109 409 3,779 SH   SOLE   3,779 0 0
ISHARES INC CORE MSCI EMKT 46434G103 55,868 868,054 SH   SOLE   806,733 0 61,321
VANGUARD INDEX FDS VALUE ETF 922908744 3,439 26,159 SH   SOLE   25,015 0 1,144
ISHARES TR PFD AND INCM SEC 464288687 2,613 68,043 SH   SOLE   66,312 0 1,731
VONTIER CORPORATION COM 928881101 4,411 145,731 SH   SOLE   135,080 0 10,651
CHEVRON CORP NEW COM 166764100 4,245 40,510 SH   SOLE   38,456 0 2,054
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 2,453 8,306 SH   SOLE   7,673 0 633
ISHARES TR CALIF MUN BD ETF 464288356 934 15,032 SH   SOLE   15,032 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 478 3,683 SH   SOLE   3,525 0 158
ISHARES TR CORE DIV GRWTH 46434V621 468 9,702 SH   SOLE   9,171 0 532
ISHARES TR NASDAQ BIOTECH 464287556 324 2,152 SH   SOLE   2,152 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 6,261 105,713 SH   SOLE   102,003 0 3,710
PALANTIR TECHNOLOGIES INC CL A 69608A108 12,998 558,082 SH   SOLE   558,082 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 249 1,693 SH   SOLE   1,693 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,484 27,040 SH   SOLE   26,106 0 934
VISA INC COM CL A 92826C839 37,805 178,554 SH   SOLE   168,652 0 9,902
WISDOMTREE TR US SMALLCAP DIVD 97717W604 8,926 286,553 SH   SOLE   281,826 0 4,727
ISHARES TR RUS 1000 VAL ETF 464287598 267 1,761 SH   SOLE   1,761 0 0
J P MORGAN EXCHANGE-TRADED F BETBULD JAPAN 46641Q712 544 19,107 SH   SOLE   19,107 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,437 171,116 SH   SOLE   160,417 0 10,699
FACEBOOK INC CL A 30303M102 909 3,087 SH   SOLE   3,087 0 0
VIATRIS INC COM 92556V106 878 62,856 SH   SOLE   58,969 0 3,887
ISHARES U S ETF TR INT RT HD LONG 46431W812 594 23,259 SH   SOLE   23,259 0 0
TJX COS INC NEW COM 872540109 22,125 334,474 SH   SOLE   312,162 0 22,312
PIMCO ETF TR ENHANCD SHORT 72201R643 1,938 19,250 SH   SOLE   17,711 0 1,539
ZOETIS INC CL A 98978V103 19,053 120,986 SH   SOLE   113,304 0 7,682
MARSH & MCLENNAN COS INC COM 571748102 268 2,199 SH   SOLE   2,199 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 282 1,497 SH   SOLE   1,497 0 0
ISHARES TR US TELECOM ETF 464287713 2,033 62,892 SH   SOLE   59,532 0 3,360
LILLY ELI & CO COM 532457108 208 1,115 SH   SOLE   1,115 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 5,310 23,214 SH   SOLE   21,580 0 1,633
CITIGROUP INC COM NEW 172967424 17,479 240,261 SH   SOLE   224,713 0 15,548
VANGUARD WORLD FD MEGA CAP INDEX 921910873 7,544 53,795 SH   SOLE   49,612 0 4,183
BLUEROCK RESIDENTIAL GWT REI COM CL A 09627J102 248 24,483 SH   SOLE   24,483 0 0
ISHARES TR CORE US AGGBD ET 464287226 188,185 1,653,215 SH   SOLE   1,536,164 0 117,051
ISHARES TR USD INV GRDE ETF 464288620 10,863 183,991 SH   SOLE   174,020 0 9,971
ISHARES TR CORE MSCI INTL 46435G326 282 4,366 SH   SOLE   4,366 0 0
HOME DEPOT INC COM 437076102 1,544 5,057 SH   SOLE   4,650 0 407
ISHARES TR CR 5 10 YR ETF 46435G417 17,442 342,064 SH   SOLE   321,706 0 20,358
NVIDIA CORPORATION COM 67066G104 2,770 5,189 SH   SOLE   5,189 0 0
WASTE MGMT INC DEL COM 94106L109 20,562 159,373 SH   SOLE   149,197 0 10,176
LOCKHEED MARTIN CORP COM 539830109 6,258 16,937 SH   SOLE   16,133 0 804
NETFLIX INC COM 64110L106 355 680 SH   SOLE   680 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 18,059 310,561 SH   SOLE   291,481 0 19,080
AMGEN INC COM 031162100 338 1,359 SH   SOLE   1,359 0 0
COCA COLA CO COM 191216100 5,664 107,450 SH   SOLE   102,977 0 4,473
INVESCO QQQ TR UNIT SER 1 46090E103 3,809 11,936 SH   SOLE   11,833 0 102
ECOLAB INC COM 278865100 18,237 85,191 SH   SOLE   79,569 0 5,622
INTERNATIONAL BUSINESS MACHS COM 459200101 558 4,189 SH   SOLE   4,189 0 0
YUM BRANDS INC COM 988498101 429 3,962 SH   SOLE   3,962 0 0
3M CO COM 88579Y101 304 1,579 SH   SOLE   1,563 0 16
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,641 4,504 SH   SOLE   3,812 0 692
CAPITAL ONE FINL CORP COM 14040H105 15,853 124,599 SH   SOLE   117,217 0 7,382
TESLA INC COM 88160R101 209 313 SH   SOLE   313 0 0
ISHARES TR CORE S&P MCP ETF 464287507 51,845 199,188 SH   SOLE   184,432 0 14,757
ISHARES TR RUS 1000 ETF 464287622 5,401 24,132 SH   SOLE   23,202 0 929
NETEASE INC SPONSORED ADS 64110W102 394 3,815 SH   SOLE   3,815 0 0
UNITED SEC BANCSHARES CALIF COM 911460103 774 94,506 SH   SOLE   94,506 0 0
STARBUCKS CORP COM 855244109 333 3,052 SH   SOLE   3,052 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 746 3,070 SH   SOLE   3,070 0 0
MICROSOFT CORP COM 594918104 39,878 169,137 SH   SOLE   158,793 0 10,345
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 12,736 132,625 SH   SOLE   122,176 0 10,449
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 693 25,056 SH   SOLE   25,056 0 0
ISHARES TR U.S. UTILITS ETF 464287697 50,927 640,113 SH   SOLE   604,219 0 35,895
ADOBE SYSTEMS INCORPORATED COM 00724F101 448 943 SH   SOLE   943 0 0
BLACKSTONE GROUP INC COM 09260D107 23,798 319,307 SH   SOLE   299,150 0 20,157
UNILEVER PLC SPON ADR NEW 904767704 6,163 110,395 SH   SOLE   104,346 0 6,049
APPLE INC COM 037833100 8 2,000 SH Put SOLE   2,000 0 0
MCDONALDS CORP COM 580135101 19,515 87,064 SH   SOLE   81,503 0 5,562
ALPHABET INC CAP STK CL A 02079K305 43,517 21,099 SH   SOLE   19,863 0 1,236
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 2,369 107,062 SH   SOLE   98,683 0 8,379
ISHARES TR CORE 1 5 YR USD 46432F859 24,248 472,768 SH   SOLE   445,716 0 27,051
APPLIED MATLS INC COM 038222105 344 2,574 SH   SOLE   2,574 0 0
CLOROX CO DEL COM 189054109 20,239 104,930 SH   SOLE   98,615 0 6,315
ISHARES TR ISHS 1-5YR INVS 464288646 61,638 1,127,242 SH   SOLE   1,052,182 0 75,060
VERTEX PHARMACEUTICALS INC COM 92532F100 672 3,128 SH   SOLE   3,128 0 0
HONEYWELL INTL INC COM 438516106 609 2,807 SH   SOLE   2,807 0 0
CALIFORNIA BANCORP INC COM 13005U101 468 26,250 SH   SOLE   26,250 0 0
ISHARES TR MSCI EAFE ETF 464287465 29,690 391,332 SH   SOLE   368,835 0 22,497
WISDOMTREE TR US MIDCAP DIVID 97717W505 10,202 252,388 SH   SOLE   242,359 0 10,029
ALPHABET INC CAP STK CL C 02079K107 2,633 1,273 SH   SOLE   1,235 0 38
ISHARES TR 20 YR TR BD ETF 464287432 233 1,718 SH   SOLE   1,718 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 20,273 399,425 SH   SOLE   375,962 0 23,463
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 14,951 146,704 SH   SOLE   136,814 0 9,890
ISHARES TR CORE S&P500 ETF 464287200 63,472 159,549 SH   SOLE   148,467 0 11,082
XILINX INC COM 983919101 576 4,645 SH   SOLE   4,645 0 0
BAXTER INTL INC COM 071813109 31,969 379,044 SH   SOLE   354,457 0 24,587
ISHARES TR CORE HIGH DV ETF 46429B663 287 3,026 SH   SOLE   3,026 0 0
SPDR SER TR S&P DIVID ETF 78464A763 96,058 813,846 SH   SOLE   764,920 0 48,927
ISHARES TR MSCI USA ESG SLC 464288802 2,318 26,396 SH   SOLE   25,680 0 716
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 653 11,431 SH   SOLE   11,431 0 0
BLACKROCK INC COM 09247X101 926 1,228 SH   SOLE   1,228 0 0
AFLAC INC COM 001055102 16,803 328,305 SH   SOLE   305,821 0 22,485
ISHARES TR SHORT TREAS BD 464288679 860 7,786 SH   SOLE   6,902 0 884
MORGAN STANLEY COM NEW 617446448 328 4,229 SH   SOLE   4,229 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 332 1,547 SH   SOLE   1,547 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,577 21,189 SH   SOLE   20,943 0 246
ISHARES TR EXPONENTIAL TECH 46434V381 475 8,020 SH   SOLE   8,020 0 0
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 350 10,559 SH   SOLE   10,559 0 0
JOHNSON & JOHNSON COM 478160104 38,231 232,618 SH   SOLE   217,902 0 14,717