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   1,195,137 6,203 SH   SOLE   5,058 0 1,145
ABBOTT LABS COM 002824100   217,282 1,813 SH   SOLE   1,753 0 60
ABBVIE INC COM 00287Y109   2,625,168 24,258 SH   SOLE   21,699 0 2,559
AMGEN INC COM 031162100   3,264,062 13,119 SH   SOLE   11,260 0 1,859
APPLE HOSPITALITY REIT INC COM NEW 03784Y200   241,075 16,546 SH   SOLE   16,546 0 0
APPLE INC COM 037833100   325,428 2,664 SH   SOLE   914 0 1,750
BLACKROCK INC COM 09247X101   1,909,588 2,533 SH   SOLE   1,896 0 637
BLACKROCK MUNIASSETS FD INC COM 09254J102   1,919,008 125,919 SH   SOLE   80,656 0 45,263
BRISTOL-MYERS SQUIBB CO COM 110122108   727,418 11,523 SH   SOLE   9,850 0 1,673
CISCO SYS INC COM 17275R102   2,617,095 50,611 SH   SOLE   44,181 0 6,430
COCA COLA CO COM 191216100   245,736 4,662 SH   SOLE   4,662 0 0
CSX CORP COM 126408103   218,391 2,265 SH   SOLE   2,265 0 0
CVB FINL CORP COM 126600105   391,435 17,720 SH   SOLE   15,620 0 2,100
DBX ETF TR XTRACK MSCI EAFE 233051200   900,795 24,808 SH   SOLE   17,237 0 7,571
DBX ETF TR XTRACK MSCI EURP 233051853   405,818 12,518 SH   SOLE   5,618 0 6,900
DISNEY WALT CO COM 254687106   250,434 1,357 SH   SOLE   682 0 675
HOME DEPOT INC COM 437076102   678,752 2,224 SH   SOLE   2,196 0 28
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230   1,087,603 35,776 SH   SOLE   26,200 0 9,576
INVESCO MUNI INCOME OPP TRST COM 46132X101   1,373,742 174,112 SH   SOLE   127,847 0 46,265
ISHARES TR CORE MSCI EAFE 46432F842   530,567 7,364 SH   SOLE   5,334 0 2,030
ISHARES TR CORE S&P500 ETF 464287200   4,636,536 11,655 SH   SOLE   11,553 0 102
ISHARES TR CORE US AGGBD ET 464287226   1,295,848 11,384 SH   SOLE   11,384 0 0
ISHARES TR EAFE SML CP ETF 464288273   1,490,237 20,744 SH   SOLE   17,130 0 3,614
ISHARES TR HDG MSCI EAFE 46434V803   968,366 29,371 SH   SOLE   18,373 0 10,998
ISHARES TR MICRO-CAP ETF 464288869   343,941 2,341 SH   SOLE   1,841 0 500
ISHARES TR MSCI EAFE MIN VL 46429B689   4,100,789 56,183 SH   SOLE   51,426 0 4,757
ISHARES TR MSCI EAFE SMCP 46435G839   5,309,367 151,116 SH   SOLE   132,814 0 18,302
ISHARES TR MSCI USA MIN VOL 46429B697   2,623,546 37,918 SH   SOLE   35,786 0 2,132
ISHARES TR MSCI USA SMCP MN 46435G433   986,385 26,768 SH   SOLE   22,288 0 4,480
ISHARES TR RUS 1000 GRW ETF 464287614   372,254 1,532 SH   SOLE   1,517 0 15
ISHARES TR RUS 1000 VAL ETF 464287598   473,908 3,127 SH   SOLE   3,098 0 29
ISHARES TR RUS 2000 VAL ETF 464287630   991,246 6,216 SH   SOLE   5,039 0 1,177
ISHARES TR RUS MDCP VAL ETF 464287473   1,444,347 13,215 SH   SOLE   11,867 0 1,348
JOHNSON & JOHNSON COM 478160104   214,685 1,306 SH   SOLE   1,056 0 250
KANSAS CITY SOUTHERN COM NEW 485170302   1,843,771 6,986 SH   SOLE   4,236 0 2,750
LOWES COS INC COM 548661107   5,916,665 31,111 SH   SOLE   25,793 0 5,318
MASTERCARD INCORPORATED CL A 57636Q104   5,823,337 16,355 SH   SOLE   12,434 0 3,921
MERCK & CO. INC COM 58933Y105   725,525 9,411 SH   SOLE   6,164 0 3,247
MICROSOFT CORP COM 594918104   1,237,174 5,247 SH   SOLE   2,198 0 3,049
MORNINGSTAR INC COM 617700109   958,218 4,258 SH   SOLE   2,735 0 1,523
ORACLE CORP COM 68389X105   205,107 2,923 SH   SOLE   2,923 0 0
OREILLY AUTOMOTIVE INC COM 67103H107   344,930 680 SH   SOLE   680 0 0
PAYCHEX INC COM 704326107   415,064 4,234 SH   SOLE   2,634 0 1,600
PFIZER INC COM 717081103   512,294 14,140 SH   SOLE   11,570 0 2,570
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,268,856 12,451 SH   SOLE   12,367 0 84
ROSS STORES INC COM 778296103   1,465,935 12,225 SH   SOLE   10,915 0 1,310
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   1,838,272 32,588 SH   SOLE   29,702 0 2,886
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,387,783 25,724 SH   SOLE   21,955 0 3,769
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   8,243,685 113,051 SH   SOLE   97,857 0 15,194
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   386,190 2,976 SH   SOLE   2,213 0 763
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,532,355 47,197 SH   SOLE   38,228 0 8,969
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   880,183 11,826 SH   SOLE   9,200 0 2,626
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,644,278 36,563 SH   SOLE   33,555 0 3,008
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   366,451 7,761 SH   SOLE   7,151 0 610
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   320,971 8,589 SH   SOLE   7,989 0 600
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   417,020 876 SH   SOLE   876 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   487,572 15,199 SH   SOLE   14,713 0 486
SPDR SER TR PRTFLO S&P500 GW 78464A409   234,953 4,166 SH   SOLE   4,136 0 30
SPDR SER TR PRTFLO S&P500 VL 78464A508   231,342 6,104 SH   SOLE   6,104 0 0
SPDR SER TR RUSSELL LOW VOL 78468R754   2,508,075 25,251 SH   SOLE   18,024 0 7,227
SPDR SER TR S&P DIVID ETF 78464A763   3,096,729 26,237 SH   SOLE   23,062 0 3,175
SPDR SER TR SSGA US LRG ETF 78468R804   685,071 5,466 SH   SOLE   4,340 0 1,126
SPDR SER TR SSGA US SMAL ETF 78468R887   1,076,052 9,658 SH   SOLE   7,771 0 1,887
STATE STR CORP COM 857477103   1,651,594 19,659 SH   SOLE   17,105 0 2,554
TCW STRATEGIC INCOME FD INC COM 872340104   3,113,736 547,229 SH   SOLE   497,020 0 50,209
US BANCORP DEL COM NEW 902973304   743,820 13,448 SH   SOLE   13,448 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,575,835 18,601 SH   SOLE   18,018 0 583
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   2,698,797 15,255 SH   SOLE   14,210 0 1,045
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,225,883 31,333 SH   SOLE   28,989 0 2,344
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,759,184 28,737 SH   SOLE   26,516 0 2,221
VANGUARD INDEX FDS SMALL CP ETF 922908751   339,103 1,584 SH   SOLE   1,584 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   542,431 2,624 SH   SOLE   2,624 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   270,392 2,057 SH   SOLE   1,857 0 200
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   2,437,458 49,633 SH   SOLE   46,092 0 3,541
VIATRIS INC COM 92556V106   863,290 61,796 SH   SOLE   56,116 0 5,680
VISA INC COM CL A 92826C839   5,949,803 28,101 SH   SOLE   22,870 0 5,231
WISDOMTREE TR INTL EQUITY FD 97717W703   298,618 5,679 SH   SOLE   2,969 0 2,710
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   7,112,168 172,240 SH   SOLE   157,851 0 14,389
WISDOMTREE TR US MIDCAP DIVID 97717W505   448,073 11,085 SH   SOLE   3,835 0 7,250