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
AbbVie Inc. COM 00287Y109 429 3,812 SH   SOLE   0 0 3,812
Adobe Systems Inc COM 00724F101 731 1,249 SH   SOLE   0 0 1,249
Alphabet Inc Class A CAP STK CL A 02079K305 1,938 794 SH   SOLE   0 0 794
Alphabet Inc Class C CAP STK CL C 02079K107 478 191 SH   SOLE   0 0 191
Amazon Com Inc COM 023135106 1,514 440 SH   SOLE   0 0 440
Amgen Inc. COM 031162100 629 2,579 SH   SOLE   0 0 2,579
Apple Inc. COM 037833100 10,622 77,558 SH   SOLE   0 0 77,558
Applied Materials COM 038222105 494 3,472 SH   SOLE   0 0 3,472
AT&T Corp. COM 00206R102 471 16,381 SH   SOLE   0 0 16,381
Automatic Data Processing COM 053015103 218 1,097 SH   SOLE   0 0 1,097
Bank Of America Corp COM 060505104 334 8,096 SH   SOLE   0 0 8,096
Bank Of New York Mellon COM 064058100 797 15,565 SH   SOLE   0 0 15,565
Berkshire Hathaway Inc B CL B NEW 084670702 4,180 15,041 SH   SOLE   0 0 15,041
Bio-Rad Laboratories CL A 090572207 992 1,539 SH   SOLE   0 0 1,539
Boeing Corp. COM 097023105 282 1,177 SH   SOLE   0 0 1,177
Bristol-Myers Squibb COM 110122108 206 3,078 SH   SOLE   0 0 3,078
Chevron Corp COM 166764100 387 3,691 SH   SOLE   0 0 3,691
Cisco Systems COM 17275R102 204 3,852 SH   SOLE   0 0 3,852
Costco Companies Inc. COM 22160K105 368 929 SH   SOLE   0 0 929
CVS Health COM 126650100 536 6,424 SH   SOLE   0 0 6,424
Exxon Mobil Corporation COM 30231G102 798 12,646 SH   SOLE   0 0 12,646
Facebook Inc Class A CL A 30303M102 534 1,537 SH   SOLE   0 0 1,537
General Electric Corp. COM 369604103 301 22,348 SH   SOLE   0 0 22,348
Home Depot COM 437076102 653 2,047 SH   SOLE   0 0 2,047
Intel Corp. COM 458140100 218 3,880 SH   SOLE   0 0 3,880
Intuitive Surgical Inc COM NEW 46120E602 492 535 SH   SOLE   0 0 535
Invesco 2021 Corp Bulletshares BULSHS 2021 CB 46138J700 378 17,903 SH   SOLE   0 0 17,903
Invesco 2021 HY Bulletshares BULSHS 2021 HY 46138J809 3,876 168,462 SH   SOLE   0 0 168,462
Invesco 2022 HY Bulletshares BULSHS 2022 HY 46138J874 3,890 166,583 SH   SOLE   0 0 166,583
Invesco Bulletshares BULSHS 2022 CB 46138J882 325 15,051 SH   SOLE   0 0 15,051
Invesco Emer Mkts Sovereign Debt EMRNG MKT SVRG 46138E784 401 14,532 SH   SOLE   0 0 14,532
Invesco FTSE RAFI Dev Mkts Ex-US FTSE RAFI DEV 46138E743 1,107 22,993 SH   SOLE   0 0 22,993
Invesco FTSE RAFI US 1000 FTSE RAFI 1000 46137V613 5,366 33,470 SH   SOLE   0 0 33,470
Invesco QQQ Trust UNIT SER 1 46090E103 366 1,033 SH   SOLE   0 0 1,033
Invesco S&P 500 Equal Weight ETF S&P500 EQL WGT 46137V357 432 2,867 SH   SOLE   0 0 2,867
Invesco S&P 500 Hedged ETF S&P500 DOWNSID 46090A705 3,448 96,981 SH   SOLE   0 0 96,981
Invesco S&P 500 Low Volatility ETF S&P500 LOW VOL 46138E354 5,941 97,545 SH   SOLE   0 0 97,545
iShares Comex Gold Trust ISHARES NEW 464285204 206 6,107 SH   SOLE   0 0 6,107
IShares Core S&P Total US Stock Mkt CORE S&P TTL STK 464287150 1,131 11,457 SH   SOLE   0 0 11,457
IShares DJ Select Div Index Fd SELECT DIVID ETF 464287168 353 3,027 SH   SOLE   0 0 3,027
iShares JPM USD Emeg Mkt Bnd ETF JPMORGAN USD EMG 464288281 925 8,225 SH   SOLE   0 0 8,225
IShares LehmanTIPS Bond Fd TIPS BD ETF 464287176 977 7,633 SH   SOLE   0 0 7,633
ISHARES MSCI USA MOMENTUM MSCI USA MMENTM 46432F396 222 1,282 SH   SOLE   0 0 1,282
Ishares S&P Midcap CORE S&P MCP ETF 464287507 2,152 8,008 SH   SOLE   0 0 8,008
IShares S&P Smallcap CORE S&P SCP ETF 464287804 1,082 9,581 SH   SOLE   0 0 9,581
Ishares Trust Lehman Aggregate Bd Fd CORE US AGGBD ET 464287226 379 3,289 SH   SOLE   0 0 3,289
Johnson & Johnson COM 478160104 1,182 7,175 SH   SOLE   0 0 7,175
JPMorgan Ultra Short Income ULTRA SHRT INC 46641Q837 8,136 160,349 SH   SOLE   0 0 160,349
Lowe's Companies COM 548661107 249 1,286 SH   SOLE   0 0 1,286
Mastercard Inc CL A 57636Q104 289 791 SH   SOLE   0 0 791
McDonalds COM 580135101 206 892 SH   SOLE   0 0 892
Merck & Co. COM 58933Y105 248 3,190 SH   SOLE   0 0 3,190
Microsoft Corp. COM 594918104 1,702 6,283 SH   SOLE   0 0 6,283
Mondelez Intl Inc CL A 609207105 475 7,613 SH   SOLE   0 0 7,613
Novo-Nordisk A-S Adr ADR 670100205 584 6,970 SH   SOLE   0 0 6,970
Pepsico COM 713448108 277 1,872 SH   SOLE   0 0 1,872
Pfizer Inc. COM 717081103 231 5,910 SH   SOLE   0 0 5,910
Philip Morris Intl COM 718172109 224 2,263 SH   SOLE   0 0 2,263
Proctor & Gamble COM 742718109 501 3,712 SH   SOLE   0 0 3,712
Qualcomm Inc. COM 747525103 3,314 23,188 SH   SOLE   0 0 23,188
Realty Income Corp. COM 756109104 1,346 20,170 SH   SOLE   0 0 20,170
Schwab Emerg Mkt Equity EMRG MKTEQ ETF 808524706 534 16,234 SH   SOLE   0 0 16,234
Schwab Intermediate Term Treasury INTRM TRM TRES 808524854 515 9,049 SH   SOLE   0 0 9,049
Schwab US Broad Mkt ETF US BRD MKT ETF 808524102 4,745 45,507 SH   SOLE   0 0 45,507
Schwab US Dividend Equity US DIVIDEND EQ 808524797 1,394 18,429 SH   SOLE   0 0 18,429
Schwab US Mid-Cap US MID-CAP ETF 808524508 1,813 23,164 SH   SOLE   0 0 23,164
Schwab US TIPS ETF US TIPS ETF 808524870 882 14,108 SH   SOLE   0 0 14,108
Sempra Energy COM 816851109 274 2,072 SH   SOLE   0 0 2,072
SPDR Aggregate Bond ETF PORTFOLIO AGRGTE 78464A649 228 7,586 SH   SOLE   0 0 7,586
SPDR Gold Mini ETF SPDR GLD MINIS 98149E204 1,924 109,283 SH   SOLE   0 0 109,283
SPDR Mid Cap PORTFOLIO S&P400 78464A847 518 10,972 SH   SOLE   0 0 10,972
SPDR MSCI ACWI Ex-US ETF MSCI ACWI EXUS 78463X848 1,074 35,576 SH   SOLE   0 0 35,576
SPDR S&P Dividend S&P DIVID ETF 78464A763 357 2,918 SH   SOLE   0 0 2,918
SPDR St Term Corp BndETF PORTFOLIO SHORT 78464A474 202 6,440 SH   SOLE   0 0 6,440
SPDR Total Stock Market ETF PORTFOLI S&P1500 78464A805 867 16,377 SH   SOLE   0 0 16,377
SPDR Trust 1 TR UNIT 78462F103 659 1,540 SH   SOLE   0 0 1,540
SPDR World Ex-US ETF PORTFOLIO DEVLPD 78463X889 1,746 47,452 SH   SOLE   0 0 47,452
Tesla Motors Inc COM 88160R101 1,179 1,735 SH   SOLE   0 0 1,735
Vanguard Bond Index Fund TOTAL BND MRKT 921937835 1,290 15,023 SH   SOLE   0 0 15,023
Vanguard Dividend Appreciation Fd DIV APP ETF 921908844 1,895 12,245 SH   SOLE   0 0 12,245
Vanguard FTSE All-World Ex. US Idx ALLWRLD EX US 922042775 1,909 30,108 SH   SOLE   0 0 30,108
Vanguard FTSE Emerging Mkts FTSE EMR MKT ETF 922042858 1,598 29,428 SH   SOLE   0 0 29,428
Vanguard I/T Corp Bond INT-TERM CORP 92206C870 677 7,126 SH   SOLE   0 0 7,126
Vanguard Inter Govt Bond ETF INTER TERM TREAS 92206C706 661 9,751 SH   SOLE   0 0 9,751
Vanguard S&P 500 Etf S&P 500 ETF SHS 922908363 678 1,724 SH   SOLE   0 0 1,724
Vanguard S/T Corp Bond Fd SHRT TRM CORP BD 92206C409 1,747 21,122 SH   SOLE   0 0 21,122
Vanguard Total Stock Mkt Vipers TOTAL STK MKT 922908769 18,170 81,545 SH   SOLE   0 0 81,545
Verizon Communications COM 92343V104 558 9,961 SH   SOLE   0 0 9,961