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
AT & T INC COM 00206R102 4,237 139,978 SH   SOLE   139,978 0 0
ABBVIE INC COM 00287Y109 373 3,453 SH   SOLE   3,453 0 0
ACCENTURE PLC CL-A SHS CLASS A G1151C101 248 898 SH   SOLE   898 0 0
ADOBE INC COM 00724F101 269 567 SH   SOLE   567 0 0
AFLAC INC COM 001055102 5,028 98,254 SH   SOLE   98,254 0 0
ALIBABA GROUP HOLDING-ADR SPONSORED ADS 01609W102 3,634 16,029 SH   SOLE   16,029 0 0
ALPHABET INC CL-A CAP STK CL A 02079K305 919 446 SH   SOLE   446 0 0
ALPHABET INC CL-C CAP STK CL C 02079K107 8,260 3,993 SH   SOLE   3,993 0 0
AMAZON COM INC COM 023135106 3,344 1,081 SH   SOLE   1,081 0 0
AMERICAN EXPRESS CO COM 025816109 5,274 37,290 SH   SOLE   37,290 0 0
AMGEN INC COM 031162100 7,240 29,099 SH   SOLE   29,099 0 0
SCHWAB US BROAD MRKT-ETF US BRD MKT ETF 808524102 487 5,046 SH   SOLE   5,046 0 0
SCHWAB US LARGE-CAP ETF US LRG CAP ETF 808524201 1,146 11,941 SH   SOLE   11,941 0 0
SCHWAB US SMALL-CAP ETF US SML CAP ETF 808524607 968 9,719 SH   SOLE   9,719 0 0
SCHWAB INTL EQUITY ETF INTL EQTY ETF 808524805 1,374 36,542 SH   SOLE   36,542 0 0
APPLE INC COM 037833100 15,462 126,588 SH   SOLE   126,588 0 0
BP PLC ADR SPONSORED ADR 055622104 3,178 130,541 SH   SOLE   130,541 0 0
BANK OF AMERICA COM 060505104 7,074 182,850 SH   SOLE   182,850 0 0
BERKSHIRE HATHAWAY-B-NEW CL B NEW 084670702 560 2,194 SH   SOLE   2,194 0 0
BLACKLINE INC COM 09239B109 312 2,884 SH   SOLE   2,884 0 0
BOEING COMPANY COM 097023105 5,799 22,770 SH   SOLE   22,770 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 880 13,947 SH   SOLE   13,947 0 0
CSX CORP COM 126408103 221 2,300 SH   SOLE   2,300 0 0
CATERPILLAR INC COM 149123101 221 957 SH   SOLE   957 0 0
CHEVRON CORP COM 166764100 5,098 48,651 SH   SOLE   48,651 0 0
CIGNA CORP-NEW COM 125523100 6,551 27,101 SH   SOLE   27,101 0 0
CISCO SYSTEMS INC COM 17275R102 5,397 104,371 SH   SOLE   104,371 0 0
CITIGROUP INC-NEW COM NEW 172967424 5,330 73,271 SH   SOLE   73,271 0 0
COSTCO WHOLESALE CORP COM 22160K105 230 653 SH   SOLE   653 0 0
D.R HORTON INC COM 23331A109 5,138 57,657 SH   SOLE   57,657 0 0
DEERE & CO COM 244199105 258 691 SH   SOLE   691 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 202 619 SH   SOLE   619 0 0
DOCUSIGN INC COM 256163106 266 1,315 SH   SOLE   1,315 0 0
DOMINION ENERGY INC COM 25746U109 4,955 65,241 SH   SOLE   65,241 0 0
DUPONT DE NEMOURS INC COM 26614N102 5,148 66,619 SH   SOLE   66,619 0 0
EXXON MOBIL CORP COM 30231G102 3,511 62,900 SH   SOLE   62,900 0 0
FACEBOOK INC CL-A CL A 30303M102 8,011 27,200 SH   SOLE   27,200 0 0
FERRARI N.V. COM N3167Y103 523 2,500 SH   SOLE   2,500 0 0
FIRST TR DJ SEL MICROCAP COM SHS ANNUAL 33718M105 269 4,490 SH   SOLE   4,490 0 0
FIRST TR TACTICAL H/Y ETF FIRST TR TA HIYL 33738D408 31,630 650,167 SH   SOLE   650,167 0 0
FRESENIUS MED CARE AG&CO SPONSORED ADR 358029106 386 10,482 SH   SOLE   10,482 0 0
GENERAL DYNAMICS CORP COM 369550108 4,779 26,322 SH   SOLE   26,322 0 0
GOLDMAN ACC TREAS 0-1 ETF ACCES TREASURY 381430529 7,084 70,752 SH   SOLE   70,752 0 0
HOME DEPOT INC COM 437076102 5,481 17,957 SH   SOLE   17,957 0 0
INTEL CORPORATION COM 458140100 4,832 75,503 SH   SOLE   75,503 0 0
INTL BUSINESS MACHINES COM 459200101 396 2,975 SH   SOLE   2,975 0 0
INTUIT INC COM 461202103 245 642 SH   SOLE   642 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103 9,519 29,830 SH   SOLE   29,830 0 0
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 218 1,545 SH   SOLE   1,545 0 0
ISHARES C&S REIT ETF COHEN STEER REIT 464287564 7,182 124,239 SH   SOLE   124,239 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 4,545 59,916 SH   SOLE   59,916 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 6,519 16,387 SH   SOLE   16,387 0 0
ISHARES MSCI EAFE GTH ETF EAFE GRWTH ETF 464288885 4,320 43,003 SH   SOLE   43,003 0 0
ISHARES CORE S&P SML-CAP CORE S&P SCP ETF 464287804 11,897 109,627 SH   SOLE   109,627 0 0
ISHARES CORE S&P MID-CAP CORE S&P MCP ETF 464287507 448 1,722 SH   SOLE   1,722 0 0
ISHARES MSCI EAFE VAL IND EAFE VALUE ETF 464288877 627 12,307 SH   SOLE   12,307 0 0
ISHARES RUSSELL 2000 INDX RUSSELL 2000 ETF 464287655 259 1,174 SH   SOLE   1,174 0 0
ISHARES RUSS 1000 VAL IND RUS 1000 VAL ETF 464287598 2,978 19,652 SH   SOLE   19,652 0 0
ISHRS ESG AWR MSCI EAFE ESG AW MSCI EAFE 46435G516 382 5,034 SH   SOLE   5,034 0 0
ISHARES S&P MC 400VAL IND S&P MC 400VL ETF 464287705 4,092 40,155 SH   SOLE   40,155 0 0
ISHARES S&P MC 400 GW IND S&P MC 400GR ETF 464287606 1,146 14,624 SH   SOLE   14,624 0 0
ISHARES S&P SC 600VAL IND SP SMCP600VL ETF 464287879 23,667 234,933 SH   SOLE   234,933 0 0
ISHARES S&P SC 600 GW IND S&P SML 600 GWT 464287887 21,625 168,649 SH   SOLE   168,649 0 0
ISHARES RUSS 2000 VAL IND RUS 2000 VAL ETF 464287630 4,778 29,963 SH   SOLE   29,963 0 0
ISHARES RUSS 2000 GW INDX RUS 2000 GRW ETF 464287648 6,490 21,581 SH   SOLE   21,581 0 0
ISHARES RUSS 1000 GWT IND RUS 1000 GRW ETF 464287614 4,494 18,466 SH   SOLE   18,466 0 0
ISHARES-RUSSEL MID GWTH RUS MD CP GR ETF 464287481 16,736 163,989 SH   SOLE   163,989 0 0
ISHARES RUSSELL M/CAP IND RUS MID CAP ETF 464287499 2,470 33,420 SH   SOLE   33,420 0 0
ISHARES RUSS M/CAP VL IND RUS MDCP VAL ETF 464287473 25,919 237,143 SH   SOLE   237,143 0 0
ISHARES GOLD TRUST ETF ISHARES 464285105 2,044 125,748 SH   SOLE   125,748 0 0
ISHS TR MSCI USA ESG ETF MSCI USA ESG SLC 464288802 384 4,378 SH   SOLE   4,378 0 0
ISHARES CORE US AGG BD ET CORE US AGGBD ET 464287226 4,899 43,043 SH   SOLE   43,043 0 0
ISHARES RUSS MICROCAP IND MICRO-CAP ETF 464288869 24,108 164,058 SH   SOLE   164,058 0 0
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 234 1,869 SH   SOLE   1,869 0 0
ISHARES IBOXX $ HI YLD BD IBOXX HI YD ETF 464288513 352 4,045 SH   SOLE   4,045 0 0
ISHARES CALIFORNIA MUNI CALIF MUN BD ETF 464288356 1,676 26,989 SH   SOLE   26,989 0 0
ISHARES 1-5Y I/G CORP BND ISHS 1-5YR INVS 464288646 63,429 1,160,008 SH   SOLE   1,160,008 0 0
ISHARES 5-10Y I/G CORP BD ISHS 5-10YR INVT 464288638 23,867 402,967 SH   SOLE   402,967 0 0
ISHARES SHORT TREASURY BD SHORT TREAS BD 464288679 3,659 33,113 SH   SOLE   33,113 0 0
ISHARES NATL MUNI BND ETF NATIONAL MUN ETF 464288414 25,352 218,461 SH   SOLE   218,461 0 0
JP MORG ULT-SHRT INCM ETF ULTRA SHRT INC 46641Q837 20,136 396,739 SH   SOLE   396,739 0 0
ISHARES GLOBAL REIT ETF 46434V 46434V647 7,313 287,038 SH   SOLE   287,038 0 0
ISHRS S/T NATL MUN BD ETF SHRT NAT MUN ETF 464288158 49,327 457,497 SH   SOLE   457,497 0 0
ISHARES CORE MSCI EAFE CORE MSCI EAFE 46432F842 2,135 29,637 SH   SOLE   29,637 0 0
ISHARES 0-5 YEAR HIGH YLD 0-5YR HI YL CP 46434V407 1,907 41,638 SH   SOLE   41,638 0 0
ISHARES CORE MSCI EMG MKT CORE MSCI EMKT 46434G103 5,660 87,956 SH   SOLE   87,956 0 0
JOHNSON & JOHNSON COM 478160104 5,611 34,145 SH   SOLE   34,145 0 0
KIMBERLY CLARK CORP COM 494368103 4,409 31,714 SH   SOLE   31,714 0 0
KONINKLIJKE PHILIPS N.V. NY REG SH NEW 500472303 4,177 73,249 SH   SOLE   73,249 0 0
ISHARES MSCI EAFE S/C ETF EAFE SML CP ETF 464288273 22,843 317,975 SH   SOLE   317,975 0 0
ISHS ESG MSCI USA LDR ETF ESG MSCI LEADR 46435U218 284 4,105 SH   SOLE   4,105 0 0
LOWES COMPANIES INC COM 548661107 344 1,810 SH   SOLE   1,810 0 0
LULULEMON ATHLETICA INC COM 550021109 207 675 SH   SOLE   675 0 0
MASTERCARD INC CL-A CL A 57636Q104 437 1,228 SH   SOLE   1,228 0 0
MCDONALDS CORP COM 580135101 376 1,678 SH   SOLE   1,678 0 0
MERCK & CO INC-NEW COM 58933Y105 4,720 61,239 SH   SOLE   61,239 0 0
METLIFE INC COM 59156R108 4,939 81,256 SH   SOLE   81,256 0 0
MICROSOFT CORP COM 594918104 9,028 38,295 SH   SOLE   38,295 0 0
JP MORGAN CHASE & CO COM 46625H100 6,709 44,074 SH   SOLE   44,074 0 0
NVIDIA CORP COM 67066G104 6,180 11,575 SH   SOLE   11,575 0 0
JP MORGAN TR ULTRA SHORT ULTRA SHT MUNCPL 46641Q654 21,083 413,073 SH   SOLE   413,073 0 0
NETFLIX INC COM 64110L106 1,262 2,421 SH   SOLE   2,421 0 0
NIKE INC CL-B CL B 654106103 546 4,111 SH   SOLE   4,111 0 0
NORTHROP GRUMMAN CORP COM 666807102 218 675 SH   SOLE   675 0 0
ORACLE CORP COM 68389X105 495 7,067 SH   SOLE   7,067 0 0
PAGSEGURO DIGITAL LTD-A COM CL A G68707101 4,542 98,109 SH   SOLE   98,109 0 0
PARKER-HANNIFIN CORP COM 701094104 212 674 SH   SOLE   674 0 0
PAYPAL HOLDINGS INC COM 70450Y103 629 2,594 SH   SOLE   2,594 0 0
PEPSICO INC COM 713448108 621 4,394 SH   SOLE   4,394 0 0
PFIZER INC COM 717081103 4,804 132,600 SH   SOLE   132,600 0 0
PIMCO ACTIVE BOND ETF ACTIVE BD ETF 72201R775 456 4,170 SH   SOLE   4,170 0 0
PROCTER & GAMBLE CO. COM 742718109 5,052 37,306 SH   SOLE   37,306 0 0
RPM INTL INC (DEL) COM 749685103 4,903 53,390 SH   SOLE   53,390 0 0
RAYTHEON TECHNOLOGIES CRP COM 75513E101 206 2,671 SH   SOLE   2,671 0 0
REGENERON PHARM INC COM 75886F107 4,880 10,315 SH   SOLE   10,315 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 1,636 4,129 SH   SOLE   4,129 0 0
SALESFORCE.COM INC COM 79466L302 523 2,471 SH   SOLE   2,471 0 0
SAP SE SPON ADR SPON ADR 803054204 3,094 25,198 SH   SOLE   25,198 0 0
SCHWAB STR US L/C VAL ETF US LCAP VA ETF 808524409 7,120 109,073 SH   SOLE   109,073 0 0
SCHWAB STR US L/C GWT ETF US LCAP GR ETF 808524300 7,192 55,418 SH   SOLE   55,418 0 0
SCHWAB US MID CAP ETF US MID-CAP ETF 808524508 1,152 15,489 SH   SOLE   15,489 0 0
SCHWAB INTL S/CP EQT ETF INTL SCEQT ETF 808524888 4,947 125,520 SH   SOLE   125,520 0 0
SCHWAB EMRG MKT EQT ETF EMRG MKTEQ ETF 808524706 487 15,349 SH   SOLE   15,349 0 0
SCHWAB US AGGREG BD ETF US AGGREGATE B 808524839 660 12,236 SH   SOLE   12,236 0 0
SHERWIN-WILLIAMS CO COM 824348106 214 290 SH   SOLE   290 0 0
STARBUCKS CORP COM 855244109 4,065 37,206 SH   SOLE   37,206 0 0
SPDR S&P 600 S/C GWTH ETF S&P 600 SMCP GRW 78464A201 1,379 16,067 SH   SOLE   16,067 0 0
SPDR S&P 600 S/C VAL ETF S&P 600 SMCP VAL 78464A300 607 7,415 SH   SOLE   7,415 0 0
SPDR DJ REIT ETF DJ REIT ETF 78464A607 2,266 23,936 SH   SOLE   23,936 0 0
SPDR INDX PTFL EM MKT ETF PORTFOLIO EMG MK 78463X509 974 22,254 SH   SOLE   22,254 0 0
SPDR S&P INTL SM CAP ETF S&P INTL SMLCP 78463X871 1,041 27,870 SH   SOLE   27,870 0 0
SPDR DJ INTL R/ESTATE ETF DJ INTL RL ETF 78463X863 3,638 105,624 SH   SOLE   105,624 0 0
SPDR NUV BLM BARC S/T MUN NUVEEN BLMBRG SR 78468R739 715 14,432 SH   SOLE   14,432 0 0
SPDR NUV BLM BARC MUNI BD NUVEEN BRC MUNIC 78468R721 3,000 58,085 SH   SOLE   58,085 0 0
SPDR S&P MIDCAP 400 ETF UTSER1 S&PDCRP 78467Y107 416 875 SH   SOLE   875 0 0
TARGET CORP COM 87612E106 5,898 29,779 SH   SOLE   29,779 0 0
TESLA INC COM 88160R101 344 516 SH   SOLE   516 0 0
TEXAS INSTRUMENTS INC COM 882508104 559 2,961 SH   SOLE   2,961 0 0
UNILEVER PLC ADR SPON ADR NEW 904767704 3,386 60,659 SH   SOLE   60,659 0 0
UNITED HEALTH GROUP INC COM 91324P102 584 1,572 SH   SOLE   1,572 0 0
VANECK VEC GLD MINERS ETF GOLD MINERS ETF 92189F106 1,953 60,115 SH   SOLE   60,115 0 0
VANGUARD TOT WRLD STK ETF TT WRLD ST ETF 922042742 650 6,682 SH   SOLE   6,682 0 0
VANGUARD TTL STK MRKT ETF TOTAL STK MKT 922908769 2,802 13,559 SH   SOLE   13,559 0 0
VANGUARD VALUE ETF VALUE ETF 922908744 248 1,890 SH   SOLE   1,890 0 0
VANGUARD SMALL-CAP ETF SMALL CP ETF 922908751 3,669 17,141 SH   SOLE   17,141 0 0
VANGUARD SM-CAP GWTH ETF SML CP GRW ETF 922908595 2,037 7,420 SH   SOLE   7,420 0 0
VANGUARD LARGE-CAP ETF LARGE CAP ETF 922908637 1,017 5,492 SH   SOLE   5,492 0 0
VANGUARD MID-CAP ETF MID CAP ETF 922908629 4,754 21,479 SH   SOLE   21,479 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 3,676 14,305 SH   SOLE   14,305 0 0
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 1,097 11,952 SH   SOLE   11,952 0 0
VANGRD FTSE ALL-WLD EX-US ALLWRLD EX US 922042775 3,751 61,822 SH   SOLE   61,822 0 0
VANGUARD FTSE EMERG MKT FTSE EMR MKT ETF 922042858 1,836 35,276 SH   SOLE   35,276 0 0
VANGUARD MID-CAP GWTH IND MCAP GR IDXVIP 922908538 374 1,745 SH   SOLE   1,745 0 0
VANGUARD FTSE DEV MKT ETF FTSE DEV MKT ETF 921943858 358 7,290 SH   SOLE   7,290 0 0
VANGUARD GL EX-US R/E ETF GLB EX US ETF 922042676 816 14,641 SH   SOLE   14,641 0 0
VERIZON COMMUNICATIONS COM 92343V104 636 10,952 SH   SOLE   10,952 0 0
VISA INC CLASS-A COM CL A 92826C839 4,234 20,000 SH   SOLE   20,000 0 0
WALMART INC COM 931142103 4,688 34,516 SH   SOLE   34,516 0 0
WELLS FARGO CO COM 949746101 1,500 38,403 SH   SOLE   38,403 0 0
WISDOMTREE ITL MIDCP DIV INTL MIDCAP DV 97717W778 881 13,142 SH   SOLE   13,142 0 0
WISDOMTREE US L/C DIV FD US LARGECAP DIVD 97717W307 481 4,195 SH   SOLE   4,195 0 0
WISDOMTREE ITL SMCP DV/FD INTL SMCAP DIV 97717W760 1,227 16,998 SH   SOLE   16,998 0 0
WISDOMTREE US QLTY DIV GW US QTLY DIV GRT 97717X669 45,637 797,992 SH   SOLE   797,992 0 0
WISDOMTREE GL EX-US R/EST GLB EX US RL EST 97717W331 1,079 40,665 SH   SOLE   40,665 0 0
WISDOMTREE E/M QLTY DV GW EM MKTS QTLY DIV 97717W323 14,136 475,504 SH   SOLE   475,504 0 0
WISDOM INTL QLTY DIV GWTH INTL QULTY DIV 97717X131 45,607 1,229,975 SH   SOLE   1,229,975 0 0
ZOETIS INC-A CL A 98978V103 212 1,351 SH   SOLE   1,351 0 0