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
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 800 29,903 SH   SOLE   28,967 0 936
PFIZER INC COM 717081103 19,398 528,551 SH   SOLE   497,812 0 30,739
ISHARES TR SHRT NAT MUN ETF 464288158 595 5,508 SH   SOLE   5,218 0 290
ISHARES TR EXPND TEC SC ETF 464287549 56,834 183,894 SH   SOLE   171,404 0 12,490
DANAHER CORPORATION COM 235851102 36,645 170,180 SH   SOLE   158,296 0 11,885
AMERICAN TOWER CORP NEW COM 03027X100 15,805 65,384 SH   SOLE   60,535 0 4,849
PIMCO ETF TR ACTIVE BD ETF 72201R775 7,291 64,846 SH   SOLE   62,823 0 2,023
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 15,943 342,571 SH   SOLE   317,417 0 25,154
MASTERCARD INCORPORATED CL A 57636Q104 38,330 113,345 SH   SOLE   106,293 0 7,052
DISNEY WALT CO COM DISNEY 254687106 35,010 282,154 SH   SOLE   264,504 0 17,650
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,917 5,724 SH   SOLE   5,724 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 216 2,000 SH   SOLE   2,000 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 13,142 84,007 SH   SOLE   76,609 0 7,398
ABBOTT LABS COM 002824100 24,407 224,264 SH   SOLE   211,233 0 13,031
PEPSICO INC COM 713448108 5,578 40,246 SH   SOLE   37,941 0 2,305
BK OF AMERICA CORP COM 060505104 308 12,777 SH   SOLE   12,777 0 0
COSTCO WHSL CORP NEW COM 22160K105 39,972 112,598 SH   SOLE   105,752 0 6,846
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 4,847 75,619 SH   SOLE   70,402 0 5,217
ROSS STORES INC COM 778296103 9,170 98,267 SH   SOLE   90,443 0 7,824
ABIOMED INC COM 003654100 243 877 SH   SOLE   877 0 0
AT&T INC COM 00206R102 468 16,400 SH   SOLE   16,400 0 0
AMAZON COM INC COM 023135106 29,497 9,368 SH   SOLE   8,876 0 492
ISHARES TR 0-5 YR TIPS ETF 46429B747 57,240 550,067 SH   SOLE   518,277 0 31,790
APPLE INC COM 037833100 96,602 834,138 SH   SOLE   764,640 0 69,499
ISHARES TR INTL SEL DIV ETF 464288448 10,628 426,299 SH   SOLE   410,911 0 15,388
MERCK & CO. INC COM 58933Y105 14,770 178,061 SH   SOLE   167,208 0 10,853
QUALCOMM INC COM 747525103 23,717 201,536 SH   SOLE   190,588 0 10,948
COLGATE PALMOLIVE CO COM 194162103 34,091 441,881 SH   SOLE   411,806 0 30,075
TEXAS INSTRS INC COM 882508104 244 1,711 SH   SOLE   1,711 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 653 8,180 SH   SOLE   7,532 0 648
PRICE T ROWE GROUP INC COM 74144T108 205 1,601 SH   SOLE   1,601 0 0
ISHARES TR U.S. MED DVC ETF 464288810 2,270 7,576 SH   SOLE   6,950 0 626
VANGUARD INDEX FDS GROWTH ETF 922908736 49,694 218,328 SH   SOLE   204,961 0 13,367
PROCTER AND GAMBLE CO COM 742718109 7,089 51,006 SH   SOLE   49,211 0 1,794
BOEING CO COM 097023105 1,077 6,514 SH   SOLE   6,514 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 496 7,253 SH   SOLE   7,037 0 216
SCHWAB CHARLES CORP COM 808513105 1,045 28,839 SH   SOLE   28,839 0 0
STRYKER CORPORATION COM 863667101 15,911 76,358 SH   SOLE   72,154 0 4,204
WALMART INC COM 931142103 17,139 122,500 SH   SOLE   114,010 0 8,490
ISHARES TR GBL COMM SVC ETF 464287275 7,337 111,233 SH   SOLE   107,549 0 3,684
PIMCO ETF TR 1-5 US TIP IDX 72201R205 1,002 18,594 SH   SOLE   17,395 0 1,199
INTEL CORP COM 458140100 3,331 64,324 SH   SOLE   63,951 0 373
ISHARES TR MSCI KLD400 SOC 464288570 636 4,974 SH   SOLE   4,605 0 369
DUKE ENERGY CORP NEW COM NEW 26441C204 310 3,495 SH   SOLE   3,495 0 0
ISHARES TR CORE TOTAL USD 46434V613 35,653 655,631 SH   SOLE   618,160 0 37,471
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 15,878 283,139 SH   SOLE   263,783 0 19,356
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 10,374 49,241 SH   SOLE   45,171 0 4,069
ISHARES TR CORE S&P SCP ETF 464287804 63,136 898,994 SH   SOLE   841,205 0 57,790
FORTIVE CORP COM 34959J108 28,335 371,801 SH   SOLE   345,852 0 25,949
ISHARES TR GOV/CRED BD ETF 464288596 16,637 132,837 SH   SOLE   125,620 0 7,218
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,254 28,301 SH   SOLE   26,544 0 1,757
EXXON MOBIL CORP COM 30231G102 306 8,928 SH   SOLE   8,928 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 201 2,327 SH   SOLE   2,327 0 0
CISCO SYS INC COM 17275R102 719 18,246 SH   SOLE   17,996 0 250
JPMORGAN CHASE & CO COM 46625H100 16,169 167,953 SH   SOLE   157,237 0 10,716
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 31,180 146,425 SH   SOLE   137,410 0 9,015
ISHARES INC CORE MSCI EMKT 46434G103 47,900 907,201 SH   SOLE   841,240 0 65,962
ISHARES TR FLTG RATE NT ETF 46429B655 28,229 556,558 SH   SOLE   522,808 0 33,749
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 252 858 SH   SOLE   858 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 2,829 27,065 SH   SOLE   25,886 0 1,179
ISHARES TR PFD AND INCM SEC 464288687 2,286 62,722 SH   SOLE   60,955 0 1,767
CHEVRON CORP NEW COM 166764100 12,808 177,883 SH   SOLE   168,065 0 9,818
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 2,311 9,852 SH   SOLE   9,148 0 704
ISHARES TR CORE DIV GRWTH 46434V621 360 9,044 SH   SOLE   8,445 0 600
ISHARES TR CALIF MUN BD ETF 464288356 363 5,813 SH   SOLE   5,813 0 0
WISDOMTREE TR US SMALLCAP DIVD 97717W604 8,548 405,485 SH   SOLE   392,019 0 13,466
KIMBERLY CLARK CORP COM 494368103 5,990 40,567 SH   SOLE   38,448 0 2,119
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,114 26,777 SH   SOLE   25,343 0 1,434
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 411 3,566 SH   SOLE   3,408 0 158
VISA INC COM CL A 92826C839 33,274 166,397 SH   SOLE   157,068 0 9,329
ISHARES TR ISHS 5-10YR INVT 464288638 5,870 96,523 SH   SOLE   92,688 0 3,835
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 235 1,823 SH   SOLE   1,823 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 1,192 125,500 SH   SOLE   125,500 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,550 49,352 SH   SOLE   45,885 0 3,467
ISHARES TR RUS 1000 VAL ETF 464287598 207 1,754 SH   SOLE   1,754 0 0
FACEBOOK INC CL A 30303M102 918 3,507 SH   SOLE   3,507 0 0
TJX COS INC NEW COM 872540109 18,584 333,940 SH   SOLE   312,159 0 21,782
ISHARES U S ETF TR INT RT HD LONG 46431W812 517 22,282 SH   SOLE   22,282 0 0
ZOETIS INC CL A 98978V103 19,361 117,080 SH   SOLE   109,596 0 7,484
MARSH & MCLENNAN COS INC COM 571748102 252 2,199 SH   SOLE   2,199 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 209 1,497 SH   SOLE   1,497 0 0
BLACKSTONE GROUP INC COM CL A 09260D107 16,788 321,607 SH   SOLE   301,004 0 20,604
ISHARES TR US TELECOM ETF 464287713 1,697 62,405 SH   SOLE   58,897 0 3,508
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 5,042 24,715 SH   SOLE   22,814 0 1,901
CITIGROUP INC COM NEW 172967424 9,627 223,304 SH   SOLE   208,788 0 14,516
VANGUARD WORLD FD MEGA CAP INDEX 921910873 3,276 27,320 SH   SOLE   25,129 0 2,190
ISHARES TR USD INV GRDE ETF 464288620 10,604 174,470 SH   SOLE   165,942 0 8,528
ISHARES TR CORE US AGGBD ET 464287226 178,507 1,512,001 SH   SOLE   1,414,260 0 97,741
ISHARES TR CR 5 10 YR ETF 46435G417 16,880 322,297 SH   SOLE   303,503 0 18,794
HOME DEPOT INC COM 437076102 1,318 4,744 SH   SOLE   4,349 0 395
WASTE MGMT INC DEL COM 94106L109 17,415 153,884 SH   SOLE   143,864 0 10,020
NVIDIA CORPORATION COM 67066G104 2,615 4,832 SH   SOLE   4,832 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 17,316 291,082 SH   SOLE   272,968 0 18,114
NETFLIX INC COM 64110L106 284 568 SH   SOLE   568 0 0
AMGEN INC COM 031162100 427 1,680 SH   SOLE   1,680 0 0
LOCKHEED MARTIN CORP COM 539830109 6,265 16,346 SH   SOLE   15,609 0 737
COCA COLA CO COM 191216100 5,131 103,937 SH   SOLE   99,466 0 4,471
INVESCO QQQ TR UNIT SER 1 46090E103 3,106 11,181 SH   SOLE   11,181 0 0
ECOLAB INC COM 278865100 16,400 82,067 SH   SOLE   76,671 0 5,396
INTERNATIONAL BUSINESS MACHS COM 459200101 917 7,540 SH   SOLE   7,406 0 134
CHEGG INC COM 163092109 1,367 19,128 SH   SOLE   19,128 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,651 5,367 SH   SOLE   4,657 0 710
3M CO COM 88579Y101 267 1,667 SH   SOLE   1,667 0 0
TESLA INC COM 88160R101 315 735 SH   SOLE   735 0 0
ISHARES TR CORE S&P MCP ETF 464287507 39,469 212,990 SH   SOLE   197,949 0 15,041
ISHARES TR RUS 1000 ETF 464287622 4,733 25,291 SH   SOLE   24,164 0 1,126
UNITED SEC BANCSHARES CALIF COM 911460103 577 94,506 SH   SOLE   94,506 0 0
NETEASE INC SPONSORED ADS 64110W102 674 1,483 SH   SOLE   1,483 0 0
STARBUCKS CORP COM 855244109 329 3,832 SH   SOLE   3,832 0 0
MICROSOFT CORP COM 594918104 33,697 160,210 SH   SOLE   149,983 0 10,227
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,210 77,023 SH   SOLE   70,558 0 6,465
ISHARES TR RUS 1000 GRW ETF 464287614 642 2,959 SH   SOLE   2,959 0 0
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 487 17,642 SH   SOLE   17,642 0 0
ISHARES TR U.S. UTILITS ETF 464287697 45,096 308,831 SH   SOLE   291,925 0 16,906
ADOBE SYSTEMS INCORPORATED COM 00724F101 452 921 SH   SOLE   921 0 0
UNILEVER PLC SPON ADR NEW 904767704 6,186 100,293 SH   SOLE   94,807 0 5,486
MCDONALDS CORP COM 580135101 18,503 84,298 SH   SOLE   78,720 0 5,578
ALPHABET INC CAP STK CL A 02079K305 32,498 22,174 SH   SOLE   20,946 0 1,228
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 2,315 106,463 SH   SOLE   102,158 0 4,305
ISHARES TR CORE 1 5 YR USD 46432F859 22,626 438,909 SH   SOLE   415,955 0 22,954
APPLIED MATLS INC COM 038222105 200 3,367 SH   SOLE   2,645 0 722
ISHARES TR ISHS 1-5YR INVS 464288646 56,586 1,030,517 SH   SOLE   966,564 0 63,953
CLOROX CO DEL COM 189054109 20,473 97,412 SH   SOLE   91,747 0 5,665
VERTEX PHARMACEUTICALS INC COM 92532F100 843 3,098 SH   SOLE   3,098 0 0
HONEYWELL INTL INC COM 438516106 473 2,874 SH   SOLE   2,874 0 0
ISHARES TR MSCI EAFE ETF 464287465 24,606 386,585 SH   SOLE   367,687 0 18,898
WISDOMTREE TR US MIDCAP DIVID 97717W505 8,745 302,397 SH   SOLE   291,215 0 11,182
ALPHABET INC CAP STK CL C 02079K107 1,825 1,242 SH   SOLE   1,201 0 41
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 344 3,372 SH   SOLE   3,372 0 0
CATERPILLAR INC DEL COM 149123101 233 1,564 SH   SOLE   1,564 0 0
ISHARES TR CORE S&P500 ETF 464287200 54,414 161,919 SH   SOLE   152,052 0 9,867
XILINX INC COM 983919101 665 6,375 SH   SOLE   6,375 0 0
SPDR SER TR S&P DIVID ETF 78464A763 78,189 846,206 SH   SOLE   798,588 0 47,618
BAXTER INTL INC COM 071813109 27,337 339,931 SH   SOLE   318,008 0 21,923
ISHARES TR CORE HIGH DV ETF 46429B663 254 3,162 SH   SOLE   3,162 0 0
ISHARES TR MSCI USA ESG SLC 464288802 2,022 13,748 SH   SOLE   13,377 0 371
BLACKROCK INC COM 09247X101 665 1,180 SH   SOLE   1,180 0 0
AFLAC INC COM 001055102 11,244 309,324 SH   SOLE   289,633 0 19,690
ISHARES TR SHORT TREAS BD 464288679 986 8,906 SH   SOLE   8,022 0 884
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 280 1,553 SH   SOLE   1,553 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 305 5,505 SH   SOLE   5,242 0 263
JOHNSON & JOHNSON COM 478160104 33,538 225,271 SH   SOLE   210,945 0 14,326