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
Abb Ltd ADR SPONSORED ADR 000375204 25 827 SH   SOLE   827 0 0
AFLAC Inc Com COM 001055102 10 200 SH   SOLE   200 0 0
Alps ETF Tr ALERIAN MLP 00162Q452 6 182 SH   SOLE   182 0 0
AT&T Inc COM 00206R102 2,848 94,081 SH   SOLE   94,081 0 0
Adobe Systems, Inc COM 00724F101 95 200 SH   SOLE   200 0 0
Agilent Technologies Inc Com COM 00846U101 215 1,693 SH   SOLE   1,693 0 0
Alcoa Corp COM 013872106 591 18,200 SH   SOLE   18,200 0 0
Alibaba Group Holding SPONSORED ADS 01609W102 37 161 SH   SOLE   161 0 0
Alleghany Corp Del Common COM 017175100 81 130 SH   SOLE   130 0 0
Allstate Corp COM 020002101 2,839 24,707 SH   SOLE   24,707 0 0
Alphabet INC CLASS A CORP COMMON CAP STK CL A 02079K305 118 57 SH   SOLE   57 0 0
Altria Group Inc COM 02209S103 1,143 22,345 SH   SOLE   22,345 0 0
Amazon Com Inc COM 023135106 922 298 SH   SOLE   298 0 0
Ameren Corp Com COM 023608102 244 3,000 SH   SOLE   3,000 0 0
Amgen Inc Com COM 031162100 4,467 17,953 SH   SOLE   17,953 0 0
Amplify Online Retail ETF ONLIN RETL ETF 032108102 87 700 SH   SOLE   700 0 0
APA Corporation COM 03743Q108 487 27,200 SH   SOLE   27,200 0 0
Apple Inc COM 037833100 14,579 119,352 SH   SOLE   119,352 0 0
Archer Daniels Midland Co. COM 039483102 912 16,000 SH   SOLE   16,000 0 0
Autoliv Inc Common COM 052800109 11 119 SH   SOLE   119 0 0
Automatic Data Processing COM 053015103 165 877 SH   SOLE   877 0 0
BP Amoco P L C Sponsored ADR SPONSORED ADR 055622104 334 13,700 SH   SOLE   13,700 0 0
Banco Santander SA ADR ADR 05964H105 13 3,858 SH   SOLE   3,858 0 0
Bank of America Corporation COM 060505104 682 17,622 SH   SOLE   17,622 0 0
Bank of New York Mellon Corp COM 064058100 1,594 33,700 SH   SOLE   33,700 0 0
Barclays Bank Ipath Bloom Commodity Etn DJUBS CMDT ETN36 06738C778 32 1,345 SH   SOLE   1,345 0 0
Becton Dickinson & Company COM 075887109 1,127 4,636 SH   SOLE   4,636 0 0
Berkshire Hathaway Inc Del CL B NEW 084670702 395 1,548 SH   SOLE   1,548 0 0
Black Knight Inc Common COM 09215C105 95 1,286 SH   SOLE   1,286 0 0
Blackrock, Inc COM 09247X101 75 100 SH   SOLE   100 0 0
Boeing Co COM 097023105 178 700 SH   SOLE   700 0 0
Broadridge Finl Solutions COM 11133T103 873 5,700 SH   SOLE   5,700 0 0
Brookfield Asset Management INC CLASS A CORP COMMON CL A LTD VT SH 112585104 300 6,750 SH   SOLE   6,750 0 0
Brookfield Infrastructure Corp CLASS A COMMON COM SB VTG SHS A 11275Q107 4 48 SH   SOLE   48 0 0
Brown-Forman Corp Cl B Com CL B 115637209 25 358 SH   SOLE   358 0 0
CME Group Inc Class A COM 12572Q105 15 75 SH   SOLE   75 0 0
California Wtr Svc Group Com COM 130788102 107 1,900 SH   SOLE   1,900 0 0
Cannae Holdings Inc. COM 13765N107 24 600 SH   SOLE   600 0 0
Chevron Corporation COM 166764100 3,232 30,847 SH   SOLE   30,847 0 0
Cisco Sys Inc COM 17275R102 3,069 59,348 SH   SOLE   59,348 0 0
Cloudera Inc. COM 18914U100 37 3,000 SH   SOLE   3,000 0 0
Cognizant Technology Solutions Corp CL A 192446102 535 6,850 SH   SOLE   6,850 0 0
Colgate Palmolive Co COM 194162103 39 500 SH   SOLE   500 0 0
Comcast Corp New Cl A CL A 20030N101 20 364 SH   SOLE   364 0 0
Comerica Inc COM 200340107 2,249 31,343 SH   SOLE   31,343 0 0
Conocophillips COM 20825C104 144 2,727 SH   SOLE   2,727 0 0
Constellation Brands Inc Cl A CL A 21036P108 10 45 SH   SOLE   45 0 0
Corning Inc COM 219350105 1,635 37,575 SH   SOLE   37,575 0 0
Corteva Inc. COM 22052L104 60 1,296 SH   SOLE   1,296 0 0
Costco Wholesale Corp New Common COM 22160K105 44 125 SH   SOLE   125 0 0
Coty Inc Common Class A COM CL A 222070203 413 45,811 SH   SOLE   45,811 0 0
DXC Technology Company COM 23355L106 49 1,578 SH   SOLE   1,578 0 0
Diageo PLC Sponsored ADR New SPON ADR NEW 25243Q205 8 50 SH   SOLE   50 0 0
Disney (Walt) Co Holding Co. COM 254687106 5,050 27,369 SH   SOLE   27,369 0 0
Dow, Inc. COM 260557103 76 1,196 SH   SOLE   1,196 0 0
Dupont De Nemours Inc COM 26614N102 48 615 SH   SOLE   615 0 0
Emerson Electric CO CORP COMMON COM 291011104 9 100 SH   SOLE   100 0 0
Energy Transfer LP COM UT LTD PTN 29273V100 46 6,000 SH   SOLE   6,000 0 0
Extreme Networks Inc COM 30226D106 13 1,500 SH   SOLE   1,500 0 0
Exxon Mobil Corp COM 30231G102 1,385 24,809 SH   SOLE   24,809 0 0
Facebook, Inc. CL A 30303M102 44 150 SH   SOLE   150 0 0
Federated Hermes, Inc. CL B 314211103 1,480 47,300 SH   SOLE   47,300 0 0
Fidelity Natl Information Svcs Inc Common COM 31620M106 211 1,500 SH   SOLE   1,500 0 0
Fidelity Natl Finl Inc New Fnf Group Common FNF GROUP COM 31620R303 122 3,000 SH   SOLE   3,000 0 0
Fireeye Inc. COM 31816Q101 108 5,500 SH   SOLE   5,500 0 0
Fox Corporation Class A Common Stock CL A COM 35137L105 1 9 SH   SOLE   9 0 0
Freeport-McMoran Copper & Gold Inc. CL B 35671D857 32 986 SH   SOLE   986 0 0
General Dynamics Corp COM 369550108 2,145 11,812 SH   SOLE   11,812 0 0
General Electric Co COM 369604103 560 42,626 SH   SOLE   42,626 0 0
Gilead Sciences Inc COM 375558103 1,367 21,150 SH   SOLE   21,150 0 0
Glaxosmithline PLC Sponsored ADR SPONSORED ADR 37733W105 15 424 SH   SOLE   424 0 0
Hsbc Holdings Plc ADR SPON ADR NEW 404280406 15 501 SH   SOLE   501 0 0
Heritage Comm Corp COM 426927109 1,251 102,369 SH   SOLE   102,369 0 0
Hewlett Packard Enterprise Co COM 42824C109 456 29,000 SH   SOLE   29,000 0 0
Honeywell Intl Inc Com COM 438516106 282 1,300 SH   SOLE   1,300 0 0
ING Groep N.V. ADR SPONSORED ADR 456837103 18 1,493 SH   SOLE   1,493 0 0
Intel Corporation COM 458140100 5,411 84,547 SH   SOLE   84,547 0 0
International Business Machines COM 459200101 1,216 9,125 SH   SOLE   9,125 0 0
International Flavors & Fragrances Inc. COM 459506101 68 488 SH   SOLE   488 0 0
International Paper Corp COM 460146103 1,903 35,200 SH   SOLE   35,200 0 0
Intuitive Surgical Inc. COM NEW 46120E602 7,419 10,040 SH   SOLE   10,040 0 0
Invesco S&P 500 Equal Weight ETF S&P500 EQL WGT 46137V357 227 1,599 SH   SOLE   1,599 0 0
Ishares Gold Trust ETF ISHARES 464285105 15 914 SH   SOLE   914 0 0
Ishares Inv Grade Corporate Bond IBOXX INV CP ETF 464287242 92 705 SH   SOLE   705 0 0
Ishares S&P 500 Growth ETF S&P 500 GRWT ETF 464287309 26 400 SH   SOLE   400 0 0
Ishares Nasdaq Biotechnology ETF NASDAQ BIOTECH 464287556 89 590 SH   SOLE   590 0 0
Ishares Trust Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 36 150 SH   SOLE   150 0 0
Ishares Russell 2000 Growth ETF RUS 2000 GRW ETF 464287648 45 150 SH   SOLE   150 0 0
Ishares Russell 2000 ETF RUSSELL 2000 ETF 464287655 129 582 SH   SOLE   582 0 0
Ishares Core S&P US Growth ETF CORE S&P US GWT 464287671 136 1,500 SH   SOLE   1,500 0 0
Ishares JP Morgan Usd Emerging Markets Bond ETF Mts JPMORGAN USD EMG 464288281 10 90 SH   SOLE   90 0 0
Ishares 1-5 Year Investment Grade Corporate Bond ETF ISHS 1-5YR INVS 464288646 81 1,480 SH   SOLE   1,480 0 0
Ishares Silver Trust ETF ISHARES 46428Q109 53 2,347 SH   SOLE   2,347 0 0
Ishares Core High Dividend CORE HIGH DV ETF 46429B663 42 446 SH   SOLE   446 0 0
Ishares Core Msci Eafe ETF CORE MSCI EAFE 46432F842 405 5,627 SH   SOLE   5,627 0 0
Ishares Trust 0-5 Yr High Yield 0-5YR HI YL CP 46434V407 29 639 SH   SOLE   639 0 0
JP Morgan Ultra-short Income ETF ULTRA SHRT INC 46641Q837 62 1,221 SH   SOLE   1,221 0 0
Johnson & Johnson COM 478160104 4,546 27,662 SH   SOLE   27,662 0 0
Keysight Technologies Inc. COM 49338L103 121 846 SH   SOLE   846 0 0
Kimberly Clark Corp COM 494368103 61 437 SH   SOLE   437 0 0
Kinder Morgan Inc Del COM 49456B101 2 103 SH   SOLE   103 0 0
Lockheed Martin Corp COM 539830109 3,573 9,670 SH   SOLE   9,670 0 0
Manulife Financial Corp COM 56501R106 30 1,400 SH   SOLE   1,400 0 0
McDonalds Corp COM 580135101 118 526 SH   SOLE   526 0 0
Merck & Co. Inc. COM 58933Y105 2,762 35,825 SH   SOLE   35,825 0 0
Microsoft Corporation COM 594918104 17,736 75,226 SH   SOLE   75,226 0 0
Microchip Technology Inc COM 595017104 2,521 16,243 SH   SOLE   16,243 0 0
Micron Technology Inc COM 595112103 6,673 75,645 SH   SOLE   75,645 0 0
Netflix Inc Common COM 64110L106 315 604 SH   SOLE   604 0 0
Novo Nordisk A/S ADR ADR 670100205 12 178 SH   SOLE   178 0 0
Nvidia Corp COM 67066G104 11,466 21,475 SH   SOLE   21,475 0 0
Old Rep Intl Corp COM 680223104 44 2,000 SH   SOLE   2,000 0 0
Oneok, Inc COM 682680103 101 2,000 SH   SOLE   2,000 0 0
Ovintiv Inc COM 69047Q102 1,102 46,260 SH   SOLE   46,260 0 0
PNC Financial Services Group Inc COM 693475105 18 100 SH   SOLE   100 0 0
Pepsico Inc COM 713448108 1,851 13,087 SH   SOLE   13,087 0 0
Pfizer Inc COM 717081103 3,134 86,497 SH   SOLE   86,497 0 0
Philip Morris Intl Inc. COM 718172109 2,986 33,651 SH   SOLE   33,651 0 0
Phillips 66 COM 718546104 98 1,200 SH   SOLE   1,200 0 0
Pimco Enhanced Short Maturity ENHAN SHRT MA AC 72201R833 62 606 SH   SOLE   606 0 0
Pluralsight Inc COM CL A 72941B106 58 2,600 SH   SOLE   2,600 0 0
Procter & Gamble Company COM 742718109 3,234 23,880 SH   SOLE   23,880 0 0
Realty Income Corp COM 756109104 64 1,000 SH   SOLE   1,000 0 0
Ringcentral Inc. CL A 76680R206 298 1,000 SH   SOLE   1,000 0 0
Rio Tinto Plc ADR SPONSORED ADR 767204100 24 307 SH   SOLE   307 0 0
Royal Dutch Shell PLC SPONS ADR A 780259206 57 1,465 SH   SOLE   1,465 0 0
Royal Gold, Inc. COM 780287108 18 171 SH   SOLE   171 0 0
S&P Global Inc Common COM 78409V104 247 700 SH   SOLE   700 0 0
SJW Group COM 784305104 580 9,200 SH   SOLE   9,200 0 0
SPDR S&P 500 ETF Trust TR UNIT 78462F103 22,119 55,810 SH   SOLE   55,810 0 0
SPDR Gold Trust GOLD SHS 78463V107 24 151 SH   SOLE   151 0 0
SPDR Doubleline Total Return Tactical ETF SPDR TR TACTIC 78467V848 10 210 SH   SOLE   210 0 0
Spdr S&P Midcap 400 ETF UTSER1 S&PDCRP 78467Y107 60 125 SH   SOLE   125 0 0
SVB Financial Group COM 78486Q101 2,140 4,335 SH   SOLE   4,335 0 0
Schlumberger LTD COM 806857108 1,396 51,329 SH   SOLE   51,329 0 0
Healthcare Select Sector SPDR SBI HEALTHCARE 81369Y209 1,979 16,950 SH   SOLE   16,950 0 0
Energy Sector SPDR TR ENERGY 81369Y506 3,554 72,442 SH   SOLE   72,442 0 0
Financial Select Sector SPDR ETF SBI INT-FINL 81369Y605 1,289 37,867 SH   SOLE   37,867 0 0
Servicenow Inc. COM 81762P102 1,902 3,803 SH   SOLE   3,803 0 0
Snowflake Inc. CL A 833445109 23 100 SH   SOLE   100 0 0
Square Inc CL A 852234103 79 350 SH   SOLE   350 0 0
Starbucks Corp COM 855244109 32 297 SH   SOLE   297 0 0
Sumitomo Mitsui Financial Group Inc Mit ADR SPONSORED ADR 86562M209 15 2,062 SH   SOLE   2,062 0 0
Synaptics Inc COM 87157D109 1,310 9,675 SH   SOLE   9,675 0 0
Taiwan Semiconductor Manufacturing CO Ltd ADR SPONSORED ADS 874039100 27 227 SH   SOLE   227 0 0
Target Corp Com COM 87612E106 3,476 17,550 SH   SOLE   17,550 0 0
Texas Pac Ld Corp COM 88262P102 175 110 SH   SOLE   110 0 0
3M Co Com COM 88579Y101 2,630 13,650 SH   SOLE   13,650 0 0
US Bancorp Del Com New COM NEW 902973304 24 425 SH   SOLE   425 0 0
Union Pacific Corp COM 907818108 8 35 SH   SOLE   35 0 0
United Parcel Service Cl B CL B 911312106 20 117 SH   SOLE   117 0 0
Vaneck Vectors Gold Miners ETF GOLD MINERS ETF 92189F106 5,258 161,772 SH   SOLE   161,772 0 0
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 16 109 SH   SOLE   109 0 0
Vanguard Total Bond Market Index Fund ETF TOTAL BND MRKT 921937835 87 1,028 SH   SOLE   1,028 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 2,105 42,863 SH   SOLE   42,863 0 0
Vanguard Total International Bond Index ETF INTL BD IDX ETF 92203J407 4 74 SH   SOLE   74 0 0
Vanguard Emerging Markets Stock Index Fund Ftse ETF FTSE EMR MKT ETF 922042858 191 3,672 SH   SOLE   3,672 0 0
Vanguard FTSE Europe ETF FTSE EUROPE ETF 922042874 44 700 SH   SOLE   700 0 0
Vanguard Information Technology ETF INF TECH ETF 92204A702 5 15 SH   SOLE   15 0 0
Vanguard Materials Index Fund ETF MATERIALS ETF 92204A801 3,113 18,000 SH   SOLE   18,000 0 0
Vanguard Intermediate Term Corporate Bond ETF INT-TERM CORP 92206C870 22 241 SH   SOLE   241 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 83 229 SH   SOLE   229 0 0
Vanguard Real Estate ETF REAL ESTATE ETF 922908553 7,127 77,589 SH   SOLE   77,589 0 0
Vanguard Small Cap Value ETF SM CP VAL ETF 922908611 50 304 SH   SOLE   304 0 0
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 26 128 SH   SOLE   128 0 0
Verisign Inc COM 92343E102 656 3,300 SH   SOLE   3,300 0 0
Verizon Communications COM 92343V104 5,357 92,125 SH   SOLE   92,125 0 0
Vertex Pharmaceuticals Inc Com COM 92532F100 1,708 7,950 SH   SOLE   7,950 0 0
Viatris Inc COM 92556V106 127 9,067 SH   SOLE   9,067 0 0
Visa, Inc COM CL A 92826C839 130 612 SH   SOLE   612 0 0
Walmart Inc. COM 931142103 2,826 20,806 SH   SOLE   20,806 0 0
Walgreens Boots Alliance Inc COM 931427108 4,098 74,650 SH   SOLE   74,650 0 0
Wells Fargo & Co New COM 949746101 1,611 41,225 SH   SOLE   41,225 0 0
Western Alliance Bancorp COM 957638109 123 1,300 SH   SOLE   1,300 0 0
XCEL Energy, Inc COM 98389B100 21 314 SH   SOLE   314 0 0
Zimmer Biomet Holdings Inc COM 98956P102 1,521 9,500 SH   SOLE   9,500 0 0
Accenture PLC F SHS CLASS A G1151C101 117 425 SH   SOLE   425 0 0
Brookfield Infrastructure Partners Lp Infrastructur Partner Unt LP INT UNIT G16252101 23 436 SH   SOLE   436 0 0
Bunge Limited COM G16962105 1,443 18,200 SH   SOLE   18,200 0 0
Norwegian Cruise Line Holdings Ltd SHS G66721104 4 142 SH   SOLE   142 0 0