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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   1,501,837 8,561 SH   SOLE   6,895 0 1,666
ABBVIE INC COM 00287Y109   2,644,826 24,519 SH   SOLE   21,786 0 2,733
AMGEN INC COM 031162100   2,981,097 14,019 SH   SOLE   12,234 0 1,785
APPLE HOSPITALITY REIT INC COM NEW 03784Y200   249,393 15,855 SH   SOLE   15,855 0 0
APPLE INC COM 037833100   377,004 2,664 SH   SOLE   914 0 1,750
BLACKROCK INC COM 09247X101   893,993 1,066 SH   SOLE   698 0 368
BLACKROCK MUNIASSETS FD INC COM 09254J102   1,931,632 127,165 SH   SOLE   83,941 0 43,224
BRISTOL-MYERS SQUIBB CO COM 110122108   985,511 16,656 SH   SOLE   14,343 0 2,313
CISCO SYS INC COM 17275R102   2,744,160 50,416 SH   SOLE   43,963 0 6,453
CITRIX SYS INC COM 177376100   391,642 3,648 SH   SOLE   3,365 0 283
CVB FINL CORP COM 126600105   616,027 30,242 SH   SOLE   26,733 0 3,509
DBX ETF TR XTRACK MSCI EAFE 233051200   917,972 24,311 SH   SOLE   16,696 0 7,615
DBX ETF TR XTRACK MSCI EURP 233051853   397,784 11,645 SH   SOLE   4,745 0 6,900
EAST WEST BANCORP INC COM 27579R104   240,838 3,106 SH   SOLE   2,567 0 539
EBAY INC. COM 278642103   349,907 5,022 SH   SOLE   4,611 0 411
FLEXSHARES TR READY ACC VARI 33939L886   205,475 2,698 SH   SOLE   1,637 0 1,061
HOME DEPOT INC COM 437076102   689,502 2,100 SH   SOLE   2,072 0 28
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230   1,082,412 35,338 SH   SOLE   25,738 0 9,600
INVESCO MUNI INCOME OPP TRST COM 46132X101   1,411,482 177,545 SH   SOLE   138,437 0 39,108
ISHARES TR CORE MSCI EAFE 46432F842   645,628 8,695 SH   SOLE   6,665 0 2,030
ISHARES TR CORE S&P500 ETF 464287200   5,066,587 11,760 SH   SOLE   11,588 0 172
ISHARES TR CORE US AGGBD ET 464287226   1,271,849 11,076 SH   SOLE   11,076 0 0
ISHARES TR EAFE SML CP ETF 464288273   1,558,578 20,946 SH   SOLE   17,238 0 3,708
ISHARES TR HDG MSCI EAFE 46434V803   1,010,827 29,393 SH   SOLE   21,351 0 8,042
ISHARES TR MICRO-CAP ETF 464288869   337,970 2,342 SH   SOLE   1,842 0 500
ISHARES TR MSCI EAFE SMCP 46435G839   5,688,716 154,375 SH   SOLE   137,545 0 16,830
ISHARES TR MSCI USA MIN VOL 46429B697   2,733,016 37,184 SH   SOLE   35,425 0 1,759
ISHARES TR MSCI USA SMCP MN 46435G433   954,989 25,755 SH   SOLE   21,272 0 4,483
ISHARES TR RUS 1000 GRW ETF 464287614   360,804 1,317 SH   SOLE   1,302 0 15
ISHARES TR RUS 1000 VAL ETF 464287598   458,558 2,930 SH   SOLE   2,901 0 29
ISHARES TR RUS 2000 VAL ETF 464287630   881,266 5,500 SH   SOLE   4,323 0 1,177
ISHARES TR RUS MDCP VAL ETF 464287473   1,384,929 12,229 SH   SOLE   10,880 0 1,349
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886   281,107 5,602 SH   SOLE   3,106 0 2,496
JOHNSON & JOHNSON COM 478160104   215,412 1,334 SH   SOLE   1,084 0 250
KANSAS CITY SOUTHERN COM NEW 485170302   270,843 1,001 SH   SOLE   1 0 1,000
LOWES COS INC COM 548661107   6,432,836 31,711 SH   SOLE   26,794 0 4,917
MASTERCARD INCORPORATED CL A 57636Q104   5,565,797 16,008 SH   SOLE   12,086 0 3,922
MERCK & CO INC COM 58933Y105   744,838 9,917 SH   SOLE   7,447 0 2,470
MICROSOFT CORP COM 594918104   1,519,615 5,390 SH   SOLE   2,341 0 3,049
NETAPP INC COM 64110D104   503,863 5,613 SH   SOLE   4,524 0 1,089
ORACLE CORP COM 68389X105   211,116 2,423 SH   SOLE   2,423 0 0
PAYCHEX INC COM 704326107   477,604 4,247 SH   SOLE   2,647 0 1,600
PFIZER INC COM 717081103   242,090 5,629 SH   SOLE   4,429 0 1,200
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,114,905 10,938 SH   SOLE   10,854 0 84
ROSS STORES INC COM 778296103   1,429,271 13,131 SH   SOLE   11,532 0 1,599
SCHWAB CHARLES CORP COM 808513105   217,032 2,980 SH   SOLE   2,580 0 400
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   1,231,623 49,463 SH   SOLE   45,831 0 3,632
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   1,843,007 32,499 SH   SOLE   29,210 0 3,289
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,974,002 60,128 SH   SOLE   54,357 0 5,771
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,322,272 24,369 SH   SOLE   20,591 0 3,778
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   8,447,538 113,787 SH   SOLE   100,731 0 13,056
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   409,636 2,766 SH   SOLE   2,302 0 464
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,866,288 46,778 SH   SOLE   39,276 0 7,502
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   833,040 10,867 SH   SOLE   8,340 0 2,527
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,778,494 37,747 SH   SOLE   34,703 0 3,044
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   366,670 7,181 SH   SOLE   6,565 0 616
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   322,915 8,391 SH   SOLE   7,791 0 600
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   399,611 831 SH   SOLE   831 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   485,960 15,041 SH   SOLE   14,555 0 486
SPDR SER TR PRTFLO S&P500 GW 78464A409   267,093 4,172 SH   SOLE   4,142 0 30
SPDR SER TR PRTFLO S&P500 VL 78464A508   238,056 6,104 SH   SOLE   6,104 0 0
SPDR SER TR RUSSELL LOW VOL 78468R754   2,579,535 24,969 SH   SOLE   18,990 0 5,979
SPDR SER TR S&P DIVID ETF 78464A763   2,943,863 25,043 SH   SOLE   22,164 0 2,879
SPDR SER TR SSGA US LRG ETF 78468R804   733,904 5,502 SH   SOLE   4,367 0 1,135
SPDR SER TR SSGA US SMAL ETF 78468R887   1,088,652 9,704 SH   SOLE   8,204 0 1,500
STATE STR CORP COM 857477103   1,680,236 19,833 SH   SOLE   17,664 0 2,169
TCW STRATEGIC INCOME FD INC COM 872340104   3,041,045 529,799 SH   SOLE   479,210 0 50,589
TJX COS INC NEW COM 872540109   593,741 8,999 SH   SOLE   7,325 0 1,674
US BANCORP DEL COM NEW 902973304   809,188 13,614 SH   SOLE   13,614 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,601,588 18,743 SH   SOLE   18,158 0 585
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   308,047 6,144 SH   SOLE   4,554 0 1,590
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   2,908,926 15,952 SH   SOLE   14,635 0 1,317
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,423,183 31,682 SH   SOLE   29,387 0 2,295
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,924,959 29,097 SH   SOLE   26,763 0 2,334
VANGUARD INDEX FDS SMALL CP ETF 922908751   346,373 1,584 SH   SOLE   1,584 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   649,184 2,923 SH   SOLE   2,923 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   227,053 1,677 SH   SOLE   1,477 0 200
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   213,762 3,165 SH   SOLE   2,714 0 451
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   2,476,780 49,055 SH   SOLE   45,687 0 3,368
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   205,637 832 SH   SOLE   772 0 60
VIATRIS INC COM 92556V106   766,793 56,590 SH   SOLE   51,418 0 5,172
VISA INC COM CL A 92826C839   6,003,001 26,949 SH   SOLE   22,632 0 4,317
WISDOMTREE TR INTL EQUITY FD 97717W703   271,724 5,139 SH   SOLE   2,489 0 2,650
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   7,585,431 175,711 SH   SOLE   160,378 0 15,333
WISDOMTREE TR US MIDCAP DIVID 97717W505   459,616 11,088 SH   SOLE   4,288 0 6,800