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
Schwab US Broad Market ETF Equity 808524102 35,623 315,219 SH   SOLE   0 0 315,219
iShares S&P North Amer Tech-Semicondctrs Equity 464287523 26,681 49,198 SH   SOLE   0 0 49,198
Standard & Poors Dep Rcpts Series 1 Equity 78462F103 18,841 39,670 SH   SOLE   0 0 39,670
Apple Computer Inc Equity 037833100 16,235 91,430 SH   SOLE   0 0 91,430
SPDR S&P Dividend ETF Equity 78464A763 14,777 114,443 SH   SOLE   0 0 114,443
Vanguard Utilities Equity 92204A876 14,098 90,138 SH   SOLE   0 0 90,138
Schwab International Equity ETF Equity 808524805 13,706 352,602 SH   SOLE   0 0 352,602
Schwab US Dividend Equity ETF Equity 808524797 13,429 166,142 SH   SOLE   0 0 166,142
American Water Works Co Equity 030420103 12,550 66,449 SH   SOLE   0 0 66,449
Vanguard REIT Equity 922908553 12,536 108,064 SH   SOLE   0 0 108,064
Schwab US Small Cap ETF Equity 808524607 12,483 121,909 SH   SOLE   0 0 121,909
Schwab US Mid-Cap ETF Equity 808524508 12,335 153,364 SH   SOLE   0 0 153,364
iShares 0-5 Year TIPS Bond ETF Equity 46429B747 12,317 116,334 SH   SOLE   0 0 116,334
Schwab US Large Cap ETF Equity 808524201 11,151 97,970 SH   SOLE   0 0 97,970
Vanguard Mid Cap Equity 922908629 10,570 41,487 SH   SOLE   0 0 41,487
PIMCO Enhaced Low Duration Active ETF Equity 72201R718 8,984 89,310 SH   SOLE   0 0 89,310
Vanguard Small Cap ETF Equity 922908751 8,199 36,279 SH   SOLE   0 0 36,279
Essential Utilities Equity 29670G102 7,520 140,060 SH   SOLE   0 0 140,060
Leggett&Platt Inc Com Equity 524660107 7,502 182,272 SH   SOLE   0 0 182,272
iShares iBoxx Investment Grade Corp Bond Equity 464287242 7,306 55,133 SH   SOLE   0 0 55,133
ProShares UltraShort Bloomberg Crude Oil Equity 74347Y862 5,874 460,672 SH   SOLE   0 0 460,672
Vanguard S&P 500 ETF Equity 922908363 5,678 13,007 SH   SOLE   0 0 13,007
Berkshire Hathaway Inc Class B Equity 084670702 4,837 16,177 SH   SOLE   0 0 16,177
Invesco QQQ Trust Equity 46090E103 4,593 11,544 SH   SOLE   0 0 11,544
ProShares Ultra QQQ Equity 74347R206 4,556 51,179 SH   SOLE   0 0 51,179
Microsoft Corp Equity 594918104 4,495 13,364 SH   SOLE   0 0 13,364
iShares Aaa-A Rated Corporate Bond Equity 46429B291 4,239 75,621 SH   SOLE   0 0 75,621
Vanguard FTSE Developed Markets Index Fund Equity 921943858 4,167 81,614 SH   SOLE   0 0 81,614
PIMCO Total Return ETF Equity 72201R775 3,981 36,388 SH   SOLE   0 0 36,388
American States Water Co Equity 029899101 3,728 36,038 SH   SOLE   0 0 36,038
California Water Service Group Equity 130788102 3,706 51,571 SH   SOLE   0 0 51,571
SJW Corp Equity 784305104 3,591 49,057 SH   SOLE   0 0 49,057
Alphabet Inc Class A Equity 02079K305 3,489 1,204 SH   SOLE   0 0 1,204
Goldman Sachs ActiveBeta International Equity 381430107 3,362 95,316 SH   SOLE   0 0 95,316
Amazon.Com Inc Equity 023135106 3,213 964 SH   SOLE   0 0 964
Schwab US TIPS ETF Equity 808524870 3,162 50,274 SH   SOLE   0 0 50,274
Pimco Short Term Muni ETF Equity 72201R874 3,124 60,971 SH   SOLE   0 0 60,971
iShares Core Dividend Growth ETF Equity 46434V621 3,082 55,443 SH   SOLE   0 0 55,443
Eli Lilly & Company Equity 532457108 2,412 8,732 SH   SOLE   0 0 8,732
ProShares Ultra S&P 500 Equity 74347R107 2,357 16,100 SH   SOLE   0 0 16,100
Schwab Fundamental US Large Company ETF Equity 808524771 2,249 38,367 SH   SOLE   0 0 38,367
Schwab US REIT ETF Equity 808524847 2,239 42,500 SH   SOLE   0 0 42,500
Johnson & Johnson Equity 478160104 2,228 13,023 SH   SOLE   0 0 13,023
Alphabet Class C Equity 02079K107 2,199 760 SH   SOLE   0 0 760
iShares S&P US Preferred Fund Equity 464288687 2,114 53,605 SH   SOLE   0 0 53,605
Vanguard Total International Bond ETF Equity 92203J407 2,094 37,966 SH   SOLE   0 0 37,966
iShares DJ US Health Care Providers Equity 464288828 2,057 7,087 SH   SOLE   0 0 7,087
SPDR Barclays Capital Convertible Securities Equity 78464A359 1,982 23,896 SH   SOLE   0 0 23,896
1/100 Berkshire Htwy A Equity 084990175 1,803 400 SH   SOLE   0 0 400
SCHWAB 1-5 YEAR CORP BOND ETF Equity 808524714 1,671 33,058 SH   SOLE   0 0 33,058
Abbott Laboratories Equity 002824100 1,663 11,819 SH   SOLE   0 0 11,819
Columbia EM Core ex-China ETF Equity 19762B202 1,655 52,127 SH   SOLE   0 0 52,127
Invesco DB Oil Fund Equity 46140H403 1,636 120,758 SH   SOLE   0 0 120,758
Schwab Fundamental Emerging Markets Large Company Equity 808524730 1,608 51,879 SH   SOLE   0 0 51,879
Verizon Communications Inc Equity 92343V104 1,584 30,482 SH   SOLE   0 0 30,482
Vanguard International Equity Index Equity 922042775 1,565 25,535 SH   SOLE   0 0 25,535
Vanguard Total Stock Mkt Equity 922908769 1,462 6,055 SH   SOLE   0 0 6,055
SPDR Blackstone / GSO Senior Loan Equity 78467V608 1,385 30,353 SH   SOLE   0 0 30,353
iShares Core S&P 500 ETF Equity 464287200 1,360 2,850 SH   SOLE   0 0 2,850
SPDR Lehman Municipal Bond ETF Equity 78468R721 1,351 26,114 SH   SOLE   0 0 26,114
Pfizer Incorporated Equity 717081103 1,338 22,664 SH   SOLE   0 0 22,664
iShares Barclays MBS Bonds Equity 464288588 1,333 12,411 SH   SOLE   0 0 12,411
Proshares Short S&P 500 Equity 74347B425 1,311 96,253 SH   SOLE   0 0 96,253
NextEra Energy Inc Equity 65339F101 1,298 13,907 SH   SOLE   0 0 13,907
Costco Wholesale Corp Equity 22160K105 1,289 2,271 SH   SOLE   0 0 2,271
Intel Corp Equity 458140100 1,278 24,813 SH   SOLE   0 0 24,813
iShares Cohen & Steers Realty Majors Equity 464287564 1,251 16,440 SH   SOLE   0 0 16,440
Invesco Fundamental High Yield Corp Bond ETF Equity 46138E719 1,216 62,633 SH   SOLE   0 0 62,633
iShares Tr S&P Smallcap Equity 464287804 1,165 10,172 SH   SOLE   0 0 10,172
Schwab US Aggregate Bond ETF Equity 808524839 1,119 20,767 SH   SOLE   0 0 20,767
S&P Global Inc Equity 78409V104 1,110 2,352 SH   SOLE   0 0 2,352
Procter & Gamble Company Equity 742718109 1,056 6,456 SH   SOLE   0 0 6,456
Vanguard Value ETF Equity 922908744 1,039 7,064 SH   SOLE   0 0 7,064
Home Depot Inc Equity 437076102 1,036 2,497 SH   SOLE   0 0 2,497
iShares S&P Midcap Equity 464287507 1,013 3,579 SH   SOLE   0 0 3,579
International Business Machine Corp Equity 459200101 966 7,227 SH   SOLE   0 0 7,227
iShares GNMA Bond Equity 46429B333 948 19,055 SH   SOLE   0 0 19,055
Merck & Company Inc Equity 58933Y105 919 11,986 SH   SOLE   0 0 11,986
AbbVie Inc Equity 00287Y109 901 6,655 SH   SOLE   0 0 6,655
iShares Barclays TIPS Equity 464287176 892 6,906 SH   SOLE   0 0 6,906
Duke Energy Corp New Equity 26441C204 876 8,352 SH   SOLE   0 0 8,352
Financial Select Sector SPDR Equity 81369Y605 812 20,782 SH   SOLE   0 0 20,782
iShares Russell 3000 Equity 464287689 805 2,902 SH   SOLE   0 0 2,902
iShares Bloomberg Roll Sel Brd Cmdty ETF Equity 46431W598 772 15,608 SH   SOLE   0 0 15,608
Southern Company Equity 842587107 744 10,842 SH   SOLE   0 0 10,842
iShares iBonds DEC 2022 Term Muni Bond Equity 46435G755 740 28,396 SH   SOLE   0 0 28,396
Planet Fitness Inc Equity 72703H101 719 7,935 SH   SOLE   0 0 7,935
Cisco Systems Inc Equity 17275R102 705 11,129 SH   SOLE   0 0 11,129
Paychex Inc Equity 704326107 685 5,021 SH   SOLE   0 0 5,021
iShares iBonds Dec 2023 Term Muni Bond Equity 46435G318 675 26,056 SH   SOLE   0 0 26,056
Energy Select Sector SPDR Equity 81369Y506 648 11,673 SH   SOLE   0 0 11,673
iShares S&P 500 Growth Equity 464287309 643 7,683 SH   SOLE   0 0 7,683
Meta Platforms Equity 30303M102 640 1,904 SH   SOLE   0 0 1,904
Disney Walt Company Equity 254687106 630 4,070 SH   SOLE   0 0 4,070
SPDR Barclays Capital Tips Equity 78464A656 622 19,735 SH   SOLE   0 0 19,735
iShares Core High Dividend Equity 46429B663 614 6,083 SH   SOLE   0 0 6,083
iShares Core MSCI EAFE ETF Equity 46432F842 595 7,969 SH   SOLE   0 0 7,969
JP Morgan Chase & Company Equity 46625H100 585 3,694 SH   SOLE   0 0 3,694
Kimberly-Clark Corp Equity 494368103 565 3,955 SH   SOLE   0 0 3,955
iShares Core S&P Total US Stock Market ETF Equity 464287150 558 5,217 SH   SOLE   0 0 5,217
Fidelity MSCI Real Estate Index ETF Equity 316092857 524 15,094 SH   SOLE   0 0 15,094
Target Corp Equity 87612E106 523 2,260 SH   SOLE   0 0 2,260
Schwab Fundamental US Broad Market ETF Equity 808524789 515 8,873 SH   SOLE   0 0 8,873
Amgen Inc Equity 031162100 510 2,266 SH   SOLE   0 0 2,266
Vanguard Dividend Appreciation ETF Equity 921908844 510 2,967 SH   SOLE   0 0 2,967
Guggenheim Bulletshares 2023 Corporate Bond Equity 46138J866 504 23,500 SH   SOLE   0 0 23,500
PayPal Holdings Inc Equity 70450Y103 501 2,659 SH   SOLE   0 0 2,659
Guggenheim Bulletshares 2024 Corporate Bond Equity 46138J841 500 22,900 SH   SOLE   0 0 22,900
Deere & Co Equity 244199105 491 1,432 SH   SOLE   0 0 1,432
Exxon Mobil Corp Equity 30231G102 484 7,912 SH   SOLE   0 0 7,912
Colgate-Palmolive Company Equity 194162103 455 5,334 SH   SOLE   0 0 5,334
Vanguard ESG US Stock ETF Equity 921910733 454 5,171 SH   SOLE   0 0 5,171
SPDR S&P 500 Fossil Fuel Free ETF Equity 78468R796 431 3,665 SH   SOLE   0 0 3,665
Diageo Plc New Spn Adr Equity 25243Q205 429 1,948 SH   SOLE   0 0 1,948
Coca-Cola Company Equity 191216100 428 7,223 SH   SOLE   0 0 7,223
Xtrackers MSCI USA ESG Leaders Eq ETF Equity 233051150 426 9,602 SH   SOLE   0 0 9,602
Genl Dynamics Corp Com Equity 369550108 424 2,036 SH   SOLE   0 0 2,036
Digital Realty Trust Inc Equity 253868103 422 2,384 SH   SOLE   0 0 2,384
Nvidia Corp Equity 67066G104 420 1,429 SH   SOLE   0 0 1,429
Vanguard Total World Stock Index ETF Equity 922042742 418 3,887 SH   SOLE   0 0 3,887
Chevron Corporation Equity 166764100 413 3,520 SH   SOLE   0 0 3,520
Visa Inc Cl A Equity 92826C839 407 1,880 SH   SOLE   0 0 1,880
Qualcomm Inc Equity 747525103 390 2,131 SH   SOLE   0 0 2,131
Texas Instruments Inc Equity 882508104 370 1,962 SH   SOLE   0 0 1,962
CVS Corp Equity 126650100 359 3,481 SH   SOLE   0 0 3,481
Travelers Companies Inc Equity 89417E109 350 2,241 SH   SOLE   0 0 2,241
SPDR MSCI EAFE Fossil Fuel Free ETF Equity 78470E106 349 4,158 SH   SOLE   0 0 4,158
CSW Industrials Inc Equity 126402106 344 2,847 SH   SOLE   0 0 2,847
SPDR Dow Jones Industrial Average Equity 78467X109 341 939 SH   SOLE   0 0 939
Camden Natl Corp Equity 133034108 339 7,039 SH   SOLE   0 0 7,039
Vanguard Emerging Market Equity 922042858 335 6,770 SH   SOLE   0 0 6,770
Honeywell Intl Inc Equity 438516106 333 1,599 SH   SOLE   0 0 1,599
Waste Management Inc Del Equity 94106L109 332 1,989 SH   SOLE   0 0 1,989
Valero Energy Corp New Equity 91913Y100 318 4,234 SH   SOLE   0 0 4,234
Kirby Corporation Equity 497266106 316 5,326 SH   SOLE   0 0 5,326
3m Company Equity 88579Y101 305 1,720 SH   SOLE   0 0 1,720
General Mills Inc Equity 370334104 303 4,490 SH   SOLE   0 0 4,490
Schwab Emgerging Markets Equity ETF Equity 808524706 300 10,141 SH   SOLE   0 0 10,141
Shopify Inc Equity 82509L107 299 217 SH   SOLE   0 0 217
Pepsico Incorporated Equity 713448108 297 1,708 SH   SOLE   0 0 1,708
Citigroup Inc Equity 172967424 293 4,850 SH   SOLE   0 0 4,850
Caterpillar Inc Equity 149123101 290 1,405 SH   SOLE   0 0 1,405
SPDR S&P 500 Growth ETF Equity 78464A409 285 3,934 SH   SOLE   0 0 3,934
SPDR S&P Intl Small Cap Equity 78463X871 284 7,515 SH   SOLE   0 0 7,515
Blackrock Inc Equity 09247X101 277 303 SH   SOLE   0 0 303
Consolidated Edison Inc Equity 209115104 277 3,248 SH   SOLE   0 0 3,248
Starbucks Corporation Equity 855244109 263 2,246 SH   SOLE   0 0 2,246
Anheuser Busch Cos Inc Equity 03524A108 256 4,234 SH   SOLE   0 0 4,234
iShares S&P 500 Value Equity 464287408 256 1,632 SH   SOLE   0 0 1,632
Raytheon Technologies Corp Equity 75513E101 245 2,845 SH   SOLE   0 0 2,845
Boeing Company Equity 097023105 235 1,169 SH   SOLE   0 0 1,169
Invesco BulletShares 2025 Corp Bond ETF Equity 46138J825 232 10,600 SH   SOLE   0 0 10,600
Vanguard Total Corporate Bond ETF Equity 92206C573 231 2,550 SH   SOLE   0 0 2,550
McDonalds Corp Equity 580135101 228 849 SH   SOLE   0 0 849
Schwab Short Term US Treasury ETF Equity 808524862 221 4,355 SH   SOLE   0 0 4,355
HubSpot Inc Equity 443573100 219 332 SH   SOLE   0 0 332
U S Bancorp De Equity 902973304 215 3,827 SH   SOLE   0 0 3,827
iShares MSCI EAFE Index Equity 464287465 213 2,704 SH   SOLE   0 0 2,704
BioHiTech Global Inc Equity 09074B107 12 16,510 SH   SOLE   0 0 16,510