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
ALPHABET INC CAP STK CL C 02079K107 268 153 SH   SOLE   0 0 153
AMAZON COM INC COM 023135106 482 148 SH   SOLE   0 0 148
AMGEN INC COM 031162100 263 1,146 SH   SOLE   0 0 1,146
APPLE INC COM 037833100 5,707 43,007 SH   SOLE   0 0 43,007
ARK ETF TR INNOVATION ETF 00214Q104 281 2,258 SH   SOLE   0 0 2,258
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,591 6,861 SH   SOLE   0 0 6,861
CHASE CORP COM 16150R104 410 4,055 SH   SOLE   0 0 4,055
COCA COLA CO COM 191216100 393 7,163 SH   SOLE   0 0 7,163
DISNEY WALT CO COM 254687106 310 1,712 SH   SOLE   0 0 1,712
ECOLAB INC COM 278865100 216 1,000 SH   SOLE   0 0 1,000
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289 637 18,971 SH   SOLE   0 0 18,971
FACEBOOK INC CL A 30303M102 411 1,505 SH   SOLE   0 0 1,505
GENERAL ELECTRIC CO COM 369604103 116 10,775 SH   SOLE   0 0 10,775
HOME DEPOT INC COM 437076102 322 1,214 SH   SOLE   0 0 1,214
HONEYWELL INTL INC COM 438516106 527 2,476 SH   SOLE   0 0 2,476
HP INC COM 40434L105 216 8,784 SH   SOLE   0 0 8,784
INTEL CORP COM 458140100 2,408 48,343 SH   SOLE   0 0 48,343
INTERNATIONAL BUSINESS MACHS COM 459200101 207 1,642 SH   SOLE   0 0 1,642
INTUIT COM 461202103 275 725 SH   SOLE   0 0 725
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 33,641 665,111 SH   SOLE   0 0 665,111
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 203 13,295 SH   SOLE   0 0 13,295
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 410 14,628 SH   SOLE   0 0 14,628
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 15,650 122,707 SH   SOLE   0 0 122,707
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,735 26,192 SH   SOLE   0 0 26,192
ISHARES TR 0-5YR HI YL CP 46434V407 4,588 100,967 SH   SOLE   0 0 100,967
ISHARES TR CORE S&P MCP ETF 464287507 1,572 6,839 SH   SOLE   0 0 6,839
ISHARES TR CORE S&P SCP ETF 464287804 1,070 11,640 SH   SOLE   0 0 11,640
ISHARES TR CORE S&P TTL STK 464287150 47,598 552,052 SH   SOLE   0 0 552,052
ISHARES TR CORE S&P500 ETF 464287200 644 1,716 SH   SOLE   0 0 1,716
ISHARES TR FLTG RATE NT ETF 46429B655 4,435 87,440 SH   SOLE   0 0 87,440
ISHARES TR HDG MSCI EAFE 46434V803 420 13,793 SH   SOLE   0 0 13,793
ISHARES TR IBOXX INV CP ETF 464287242 2,105 15,241 SH   SOLE   0 0 15,241
ISHARES TR MSCI USA MIN VOL 46429B697 996 14,667 SH   SOLE   0 0 14,667
ISHARES TR MSCI USA QLT FCT 46432F339 7,079 60,916 SH   SOLE   0 0 60,916
ISHARES TR NATIONAL MUN ETF 464288414 531 4,527 SH   SOLE   0 0 4,527
ISHARES TR SHORT TREAS BD 464288679 1,763 15,952 SH   SOLE   0 0 15,952
ISHARES TR SHRT NAT MUN ETF 464288158 293 2,712 SH   SOLE   0 0 2,712
ISHARES TR TIPS BD ETF 464287176 246 1,924 SH   SOLE   0 0 1,924
ISHARES TR US TREAS BD ETF 46429B267 17,259 633,603 SH   SOLE   0 0 633,603
JOHNSON & JOHNSON COM 478160104 993 6,310 SH   SOLE   0 0 6,310
KROGER CO COM 501044101 269 8,483 SH   SOLE   0 0 8,483
MCDONALDS CORP COM 580135101 336 1,568 SH   SOLE   0 0 1,568
MERCK & CO. INC COM 58933Y105 374 4,570 SH   SOLE   0 0 4,570
MICROSOFT CORP COM 594918104 1,058 4,758 SH   SOLE   0 0 4,758
NIKE INC CL B 654106103 1,093 7,724 SH   SOLE   0 0 7,724
NORFOLK SOUTHN CORP COM 655844108 243 1,023 SH   SOLE   0 0 1,023
NUCOR CORP COM 670346105 203 3,823 SH   SOLE   0 0 3,823
ORACLE CORP COM 68389X105 207 3,198 SH   SOLE   0 0 3,198
PFIZER INC COM 717081103 443 12,039 SH   SOLE   0 0 12,039
PROCTER AND GAMBLE CO COM 742718109 448 3,222 SH   SOLE   0 0 3,222
REALTY INCOME CORP COM 756109104 399 6,419 SH   SOLE   0 0 6,419
RIVERVIEW BANCORP INC COM 769397100 252 47,847 SH   SOLE   0 0 47,847
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 6,548 213,652 SH   SOLE   0 0 213,652
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,314 64,250 SH   SOLE   0 0 64,250
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 21,677 70,887 SH   SOLE   0 0 70,887
SPDR GOLD TR GOLD SHS 78463V107 6,009 33,691 SH   SOLE   0 0 33,691
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 29,538 599,396 SH   SOLE   0 0 599,396
STARBUCKS CORP COM 855244109 420 3,926 SH   SOLE   0 0 3,926
TAYLOR DEVICES INC COM 877163105 208 20,000 SH   SOLE   0 0 20,000
TESLA INC COM 88160R101 442 627 SH   SOLE   0 0 627
US BANCORP DEL COM NEW 902973304 303 6,513 SH   SOLE   0 0 6,513
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 216 6,489 SH   SOLE   0 0 6,489
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 266 4,540 SH   SOLE   0 0 4,540
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,737 39,740 SH   SOLE   0 0 39,740
VANGUARD INDEX FDS SML CP GRW ETF 922908595 386 1,444 SH   SOLE   0 0 1,444
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,312 205,792 SH   SOLE   0 0 205,792
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 8,295 162,338 SH   SOLE   0 0 162,338
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 1,726 31,923 SH   SOLE   0 0 31,923
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 232 2,792 SH   SOLE   0 0 2,792
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 10,949 77,557 SH   SOLE   0 0 77,557
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 13,963 295,764 SH   SOLE   0 0 295,764
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 986 10,772 SH   SOLE   0 0 10,772
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 6,718 82,547 SH   SOLE   0 0 82,547
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 502 8,265 SH   SOLE   0 0 8,265
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 7,307 32,659 SH   SOLE   0 0 32,659
VSE CORP COM 918284100 269 7,000 SH   SOLE   0 0 7,000
WEYERHAEUSER CO MTN BE COM NEW 962166104 399 11,885 SH   SOLE   0 0 11,885