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
3M Company COM 88579Y101 344 2,522 SH   SOLE   2,522 0 0
AIG Warrants Expire 1/19/21 COM 026874156 308 385,536 SH   SOLE   385,536 0 0
AT&T, Inc. COM 00206R102 2,650 90,920 SH   SOLE   90,920 0 0
Agilent Technologies Inc. COM 00846U101 291 4,061 SH   SOLE   4,061 0 0
Alibaba Group Holding Limited COM 01609w102 418 2,147 SH   SOLE   2,147 0 0
Alphabet Inc Cl A COM 02079k305 464 399 SH   SOLE   399 0 0
Alphabet Inc Cl C COM 02079k107 637 548 SH   SOLE   548 0 0
Amazon.Com Inc. COM 023135106 741 380 SH   SOLE   380 0 0
American Express Company COM 025816109 1,148 13,413 SH   SOLE   13,413 0 0
American International Group N COM 026874784 740 30,531 SH   SOLE   30,531 0 0
Amgen Inc. COM 031162100 452 2,230 SH   SOLE   2,230 0 0
Apollo Commercial Real Estate COM 03762U105 163 22,000 SH   SOLE   22,000 0 0
Apollo Global Management Inc. COM 03768e105 2,052 61,245 SH   SOLE   61,245 0 0
Apple Inc. COM 037833100 7,931 31,188 SH   SOLE   31,188 0 0
Applied Materials Inc COM 038222105 362 7,900 SH   SOLE   7,900 0 0
Autodesk Inc COM 052769106 222 1,420 SH   SOLE   1,420 0 0
Banco Santander, S.A. (ADR) COM 05964h105 171 72,816 SH   SOLE   72,816 0 0
Bank of America Corp. COM 060505104 2,953 139,079 SH   SOLE   139,079 0 0
Becton Dickinson & Co COM 075887109 784 3,410 SH   SOLE   3,410 0 0
Berkshire Hathaway Cl B COM 084670702 1,766 9,658 SH   SOLE   9,658 0 0
Blackstone Group Inc. Cl A COM 09260D107 3,370 73,945 SH   SOLE   73,945 0 0
Blackstone Mortgage Trust, Inc COM 09257W100 199 10,700 SH   SOLE   10,700 0 0
Boeing Company COM 097023105 798 5,354 SH   SOLE   5,354 0 0
Bristol-Myers Squibb Co. COM 110122108 938 16,827 SH   SOLE   16,827 0 0
Brookfield Asset Management Cl COM 112585104 952 21,507 SH   SOLE   21,507 0 0
CSX Corp. COM 126408103 218 3,800 SH   SOLE   3,800 0 0
CVS Health Corp. COM 126650100 1,784 30,066 SH   SOLE   30,066 0 0
Carlyle Group COM 14316J108 3,304 152,600 SH   SOLE   152,600 0 0
Caterpillar Inc. COM 149123101 751 6,471 SH   SOLE   6,471 0 0
CenturyLink Inc. COM 156700106 1,791 189,317 SH   SOLE   189,317 0 0
Charles Schwab Corp. COM 808513105 1,336 39,752 SH   SOLE   39,752 0 0
Chevron Corporation COM 166764100 484 6,680 SH   SOLE   6,680 0 0
Cisco Systems Inc COM 17275R102 1,559 39,665 SH   SOLE   39,665 0 0
Citigroup Inc. COM 172967424 1,578 37,457 SH   SOLE   37,457 0 0
Comcast Corp New Cl A COM 20030N101 2,134 62,065 SH   SOLE   62,065 0 0
ConocoPhillips COM 20825C104 340 11,030 SH   SOLE   11,030 0 0
Costco Wholesale Corp. New COM 22160K105 1,634 5,731 SH   SOLE   5,731 0 0
DXC Technology Company Com. COM 23355l106 373 28,610 SH   SOLE   28,610 0 0
Dell Inc COM 24703l202 296 7,496 SH   SOLE   7,496 0 0
Discovery Communications Ser C COM 25470F302 406 23,163 SH   SOLE   23,163 0 0
Exxon Mobil Corp. COM 30231G102 459 12,097 SH   SOLE   12,097 0 0
Facebook Inc. COM 30303m102 389 2,335 SH   SOLE   2,335 0 0
FedEx Corp. COM 31428X106 1,661 13,700 SH   SOLE   13,700 0 0
Fiat Chrysler Automobiles N.V. COM N31738102 248 34,550 SH   SOLE   34,550 0 0
General Electric Company COM 369604103 2,735 344,460 SH   SOLE   344,460 0 0
Gilead Sciences Inc. COM 375558103 379 5,070 SH   SOLE   5,070 0 0
Goldman Sachs Group Inc. COM 38141G104 285 1,842 SH   SOLE   1,842 0 0
HP Inc. COM 40434l105 690 39,766 SH   SOLE   39,766 0 0
Hewlett Packard Enterprise Com COM 42824c109 425 43,796 SH   SOLE   43,796 0 0
Home Depot Inc. COM 437076102 2,556 13,689 SH   SOLE   13,689 0 0
Honeywell International Inc. COM 438516106 1,261 9,426 SH   SOLE   9,426 0 0
Host Hotels & Resorts, Inc. COM 44107P104 272 24,662 SH   SOLE   24,662 0 0
Humana Inc. COM 444859102 892 2,840 SH   SOLE   2,840 0 0
Intel Corp. COM 458140100 2,164 39,986 SH   SOLE   39,986 0 0
International Bancshares Corp. COM 459044103 8,817 328,025 SH   SOLE   328,025 0 0
International Business Machine COM 459200101 758 6,835 SH   SOLE   6,835 0 0
JPMorgan Chase & Co. COM 46625H100 1,989 22,091 SH   SOLE   22,091 0 0
Johnson & Johnson COM 478160104 1,453 11,080 SH   SOLE   11,080 0 0
Johnson Controls Inc. COM g51502105 250 9,262 SH   SOLE   9,262 0 0
KKR & Co. Inc. LP Delaware COM 48251w104 3,239 138,000 SH   SOLE   138,000 0 0
Koninklijke Philips Electronic COM 500472303 1,048 26,090 SH   SOLE   26,090 0 0
Lockheed Martin Corp. COM 539830109 831 2,453 SH   SOLE   2,453 0 0
Lowe's Companies, Inc. COM 548661107 318 3,700 SH   SOLE   3,700 0 0
Marsh & McLennan Companies, In COM 571748102 291 3,370 SH   SOLE   3,370 0 0
McDonald's Corp. COM 580135101 1,576 9,531 SH   SOLE   9,531 0 0
McKesson Corp. COM 58155Q103 336 2,487 SH   SOLE   2,487 0 0
Medtronic Inc. COM g5960L103 403 4,470 SH   SOLE   4,470 0 0
Merck & Co. Inc. New COM 58933Y105 358 4,651 SH   SOLE   4,651 0 0
Microsoft Corp. COM 594918104 4,855 30,786 SH   SOLE   30,786 0 0
Morgan Stanley COM 617446448 207 6,100 SH   SOLE   6,100 0 0
Nike Inc. Cl B COM 654106103 440 5,316 SH   SOLE   5,316 0 0
Nokia Corp (ADR) COM 654902204 504 162,597 SH   SOLE   162,597 0 0
Oracle Corp. COM 68389X105 1,883 38,967 SH   SOLE   38,967 0 0
PNC Financial Services Group, COM 693475105 333 3,475 SH   SOLE   3,475 0 0
Paypal Holdings Inc. COM 70450y103 1,805 18,848 SH   SOLE   18,848 0 0
Pepsico, Inc. COM 713448108 593 4,936 SH   SOLE   4,936 0 0
Pfizer, Inc. COM 717081103 1,059 32,456 SH   SOLE   32,456 0 0
Philip Morris International In COM 718172109 436 5,971 SH   SOLE   5,971 0 0
Procter & Gamble Co. COM 742718109 2,047 18,611 SH   SOLE   18,611 0 0
Qualcomm Inc. COM 747525103 641 9,473 SH   SOLE   9,473 0 0
Qurate Retail Group COM 74915m100 81 13,290 SH   SOLE   13,290 0 0
Royal Dutch Shell Plc COM 780259107 381 11,675 SH   SOLE   11,675 0 0
SAP AG (ADR) COM 803054204 631 5,710 SH   SOLE   5,710 0 0
SJW Group Com COM 784305104 401 6,945 SH   SOLE   6,945 0 0
Schlumberger Ltd F COM 806857108 305 22,600 SH   SOLE   22,600 0 0
Sony Corp. (ADR) COM 835699307 1,208 20,417 SH   SOLE   20,417 0 0
TE Connectivity Ltd. F COM h84989104 708 11,239 SH   SOLE   11,239 0 0
Teva Pharmaceutical Industries COM 881624209 442 49,218 SH   SOLE   49,218 0 0
The Walt Disney Co. COM 254687106 1,459 15,102 SH   SOLE   15,102 0 0
Thermo Fisher Scientific Inc. COM 883556102 624 2,202 SH   SOLE   2,202 0 0
Toyota Motor Corp. (ADR) COM 892331307 330 2,750 SH   SOLE   2,750 0 0
UBS Group CHF0.10 COM H42097107 426 45,980 SH   SOLE   45,980 0 0
United Technologies Corp. COM 913017109 436 4,623 SH   SOLE   4,623 0 0
UnitedHealth Group, Inc. COM 91324P102 4,480 17,963 SH   SOLE   17,963 0 0
Verizon Communications Inc. COM 92343V104 774 14,404 SH   SOLE   14,404 0 0
ViacomCBS Class B COM 92556H206 441 31,473 SH   SOLE   31,473 0 0
Visa, Inc. Cl A COM 92826C839 337 2,089 SH   SOLE   2,089 0 0
Vishay Intertechnology Inc. COM 928298108 161 11,200 SH   SOLE   11,200 0 0
WPP PLC F Sponsored ADR COM 92937A102 269 7,970 SH   SOLE   7,970 0 0
Wal-Mart Inc. COM 931142103 1,253 11,030 SH   SOLE   11,030 0 0
Waste Management Inc. COM 94106L109 509 5,500 SH   SOLE   5,500 0 0
Wells Fargo & Co. New COM 949746101 1,084 37,765 SH   SOLE   37,765 0 0
Yum China Holdings Inc. COM 98850p109 521 12,230 SH   SOLE   12,230 0 0
Yum! Brands, Inc. COM 988498101 855 12,479 SH   SOLE   12,479 0 0
eBay, Inc. COM 278642103 591 19,675 SH   SOLE   19,675 0 0
Consumer Discret Sel Sect SPDR COM 81369Y407 242 2,465 SH   SOLE   2,465 0 0
DB X-Trackers MSCI Europe UCIT COM 233051853 411 7,495 SH   SOLE   7,495 0 0
Direxion Daily Financial Bull COM 25459y694 282 12,000 SH   SOLE   12,000 0 0
Energy Select Sector SPDR COM 81369Y506 1,642 56,505 SH   SOLE   56,505 0 0
Financial Select Sector SPDR COM 81369Y605 808 38,818 SH   SOLE   38,818 0 0
Global X MLP & Energy Infrastr COM 37950E226 1,541 251,052 SH   SOLE   251,052 0 0
Global X Robotics & AI Themati COM 37954y715 3,609 198,945 SH   SOLE   198,945 0 0
Global X Silver Miners ETF COM 37954y848 236 9,895 SH   SOLE   9,895 0 0
Health Care Sector Select SPDR COM 81369Y209 1,138 12,844 SH   SOLE   12,844 0 0
Industrial Select Sector SPDR COM 81369y704 1,319 22,345 SH   SOLE   22,345 0 0
Invesco KBW Bank ETF COM 46138e628 8,228 245,458 SH   SOLE   245,458 0 0
Invesco KBW Regional Banking COM 46138e578 859 27,006 SH   SOLE   27,006 0 0
Invesco QQQ Trust Series 1 COM 46090e103 10,203 53,588 SH   SOLE   53,588 0 0
Invesco Water Resources COM 46137v142 345 11,000 SH   SOLE   11,000 0 0
Materials Select Sector SPDR E COM 81369Y100 951 21,115 SH   SOLE   21,115 0 0
ProShares Ultra Pro S&P500 COM 74347x864 497 18,000 SH   SOLE   18,000 0 0
SPDR Dow Jones Global Real Est COM 78463x749 1,169 32,481 SH   SOLE   32,481 0 0
SPDR Dow Jones Industrial Aver COM 78467x109 1,017 4,640 SH   SOLE   4,640 0 0
SPDR Gold Trust ETF COM 78463v107 289 1,950 SH   SOLE   1,950 0 0
SPDR KBW Regional Banking ETF COM 78464A698 1,862 57,125 SH   SOLE   57,125 0 0
SPDR S&P 400 Mid Cap Value ETF COM 78464A839 229 6,495 SH   SOLE   6,495 0 0
SPDR S&P 500 Index ETF COM 78462F103 1,973 7,656 SH   SOLE   7,656 0 0
SPDR S&P Bank ETF COM 78464A797 343 12,717 SH   SOLE   12,717 0 0
SPDR S&P Global Natural Resour COM 78463X541 2,968 95,928 SH   SOLE   95,928 0 0
SPDR S&P MidCap 400 ETF COM 78467Y107 640 2,435 SH   SOLE   2,435 0 0
SPDR S&P Oil & Gas Explor & Pr COM 78468r556 270 8,215 SH   SOLE   8,215 0 0
Schwab 1000 Index ETF COM 808524722 305 12,175 SH   SOLE   12,175 0 0
Schwab Emerging Markets Equity COM 808524706 634 30,626 SH   SOLE   30,626 0 0
Schwab Fundamental Emerg Mkts COM 808524730 563 27,382 SH   SOLE   27,382 0 0
Schwab Fundamental Intl Large COM 808524755 480 22,803 SH   SOLE   22,803 0 0
Schwab Fundamental Intl Small COM 808524748 238 10,130 SH   SOLE   10,130 0 0
Schwab Fundamental US Broad Mk COM 808524789 526 17,139 SH   SOLE   17,139 0 0
Schwab Fundamental US Large Co COM 808524771 439 14,000 SH   SOLE   14,000 0 0
Schwab International Equity ET COM 808524805 576 22,300 SH   SOLE   22,300 0 0
Schwab International Small Cap COM 808524888 1,348 55,235 SH   SOLE   55,235 0 0
Schwab US Broad Market ETF COM 808524102 971 16,061 SH   SOLE   16,061 0 0
Schwab US Large Cap Growth ETF COM 808524300 207 2,595 SH   SOLE   2,595 0 0
Schwab US Large Cap Value ETF COM 808524409 305 6,887 SH   SOLE   6,887 0 0
Schwab US Mid Cap ETF COM 808524508 367 8,695 SH   SOLE   8,695 0 0
Technology Select Sector SPDR COM 81369Y803 510 6,345 SH   SOLE   6,345 0 0
Vaneck Vectors Gold Miners ETF COM 92189f106 266 11,550 SH   SOLE   11,550 0 0
Vanguard Dividend Appreciation COM 921908844 484 4,680 SH   SOLE   4,680 0 0
Vanguard Emerging Markets ETF COM 922042858 3,243 96,651 SH   SOLE   96,651 0 0
Vanguard European ETF COM 922042874 1,379 31,860 SH   SOLE   31,860 0 0
Vanguard Extended Market Index COM 922908652 3,414 37,706 SH   SOLE   37,706 0 0
Vanguard FTSE All World Ex-US COM 922042775 4,132 100,740 SH   SOLE   100,740 0 0
Vanguard FTSE All-World Ex-US COM 922042718 1,040 13,290 SH   SOLE   13,290 0 0
Vanguard FTSE Developed Market COM 921943858 408 12,243 SH   SOLE   12,243 0 0
Vanguard Financials ETF COM 92204A405 3,335 65,745 SH   SOLE   65,745 0 0
Vanguard Global ex-US Real Est COM 922042676 955 22,250 SH   SOLE   22,250 0 0
Vanguard Growth ETF COM 922908736 1,925 12,285 SH   SOLE   12,285 0 0
Vanguard Health Care ETF COM 92204A504 678 4,080 SH   SOLE   4,080 0 0
Vanguard High Dividend Yield E COM 921946406 509 7,190 SH   SOLE   7,190 0 0
Vanguard Mega Cap 300 Growth I COM 921910816 7,280 57,287 SH   SOLE   57,287 0 0
Vanguard Mega Cap 300 Index ET COM 921910873 341 3,745 SH   SOLE   3,745 0 0
Vanguard Mega Cap 300 Value In COM 921910840 7,052 106,831 SH   SOLE   106,831 0 0
Vanguard Mid Cap Growth ETF COM 922908538 1,401 11,060 SH   SOLE   11,060 0 0
Vanguard Mid-Cap ETF COM 922908629 11,243 85,399 SH   SOLE   85,399 0 0
Vanguard Mid-Cap Value ETF COM 922908512 2,922 35,945 SH   SOLE   35,945 0 0
Vanguard REIT ETF COM 922908553 391 5,600 SH   SOLE   5,600 0 0
Vanguard S&P 500 ETF COM 922908363 244 1,030 SH   SOLE   1,030 0 0
Vanguard S&P 500 Growth ETF COM 921932505 225 1,510 SH   SOLE   1,510 0 0
Vanguard Small Cap ETF COM 922908751 1,329 11,510 SH   SOLE   11,510 0 0
Vanguard Small Cap Growth ETF COM 922908595 204 1,360 SH   SOLE   1,360 0 0
Vanguard Total International S COM 921909768 3,605 85,909 SH   SOLE   85,909 0 0
Vanguard Total Stock Mkt ETF COM 922908769 2,554 19,813 SH   SOLE   19,813 0 0
Vanguard Value ETF COM 922908744 3,976 44,643 SH   SOLE   44,643 0 0
iShares Core EAFE COM 46432F842 748 14,989 SH   SOLE   14,989 0 0
iShares Core High Dividend ETF COM 46429B663 215 3,000 SH   SOLE   3,000 0 0
iShares Core MSCI Emerging Mkt COM 46434g103 6,658 164,526 SH   SOLE   164,526 0 0
iShares Core Russell US Growth COM 464287671 257 4,500 SH   SOLE   4,500 0 0
iShares Core S&P 500 ETF COM 464287200 852 3,298 SH   SOLE   3,298 0 0
iShares Core S&P Midcap ETF COM 464287507 3,394 23,592 SH   SOLE   23,592 0 0
iShares Core S&P Small Cap ETF COM 464287804 958 17,079 SH   SOLE   17,079 0 0
iShares Core S&P Total US Stoc COM 464287150 307 5,362 SH   SOLE   5,362 0 0
iShares DJ US Home Constructio COM 464288752 1,976 68,315 SH   SOLE   68,315 0 0
iShares MSCI Brazil Index ETF COM 464286400 1,596 67,750 SH   SOLE   67,750 0 0
iShares MSCI EAFE Growth ETF COM 464288885 528 7,430 SH   SOLE   7,430 0 0
iShares MSCI EAFE Index ETF COM 464287465 451 8,437 SH   SOLE   8,437 0 0
iShares MSCI EAFE Value Index COM 464288877 2,222 62,250 SH   SOLE   62,250 0 0
iShares MSCI EMU Index Fund ET COM 464286608 1,168 38,275 SH   SOLE   38,275 0 0
iShares MSCI Emerging Markets COM 464287234 502 14,700 SH   SOLE   14,700 0 0
iShares MSCI Japan Index ETF COM 46434g822 760 15,387 SH   SOLE   15,387 0 0
iShares Nasdaq Biotechnology COM 464287556 1,991 18,476 SH   SOLE   18,476 0 0
iShares Russell 1000 Growth In COM 464287614 1,923 12,765 SH   SOLE   12,765 0 0
iShares Russell 1000 Value Ind COM 464287598 3,696 37,265 SH   SOLE   37,265 0 0
iShares Russell 2000 Index ETF COM 464287655 3,364 29,394 SH   SOLE   29,394 0 0
iShares Russell 2000 Value Ind COM 464287630 587 7,160 SH   SOLE   7,160 0 0
iShares Russell 3000 Index Fun COM 464287689 220 1,482 SH   SOLE   1,482 0 0
iShares Russell Midcap Value I COM 464287473 1,134 17,696 SH   SOLE   17,696 0 0
iShares S&P 100 Index ETF COM 464287101 569 4,795 SH   SOLE   4,795 0 0
iShares S&P 500/Barra Growth E COM 464287309 611 3,700 SH   SOLE   3,700 0 0
iShares S&P 500/Barra Value ET COM 464287408 2,045 21,250 SH   SOLE   21,250 0 0
iShares S&P Global Healthcare COM 464287325 207 3,400 SH   SOLE   3,400 0 0
iShares S&P Global Technology COM 464287291 4,630 25,390 SH   SOLE   25,390 0 0
iShares S&P Midcap 400/Growth COM 464287606 406 2,277 SH   SOLE   2,277 0 0
iShares S&P Midcap 400/Value E COM 464287705 1,960 17,861 SH   SOLE   17,861 0 0
iShares Trust - iShares Core U COM 464287663 463 10,030 SH   SOLE   10,030 0 0
iShares Trust Core MSCI Total COM 46432F834 210 4,464 SH   SOLE   4,464 0 0
PCM Fund, Inc. COM 69323T101 1,287 162,037 SH   SOLE   162,037 0 0
PIMCO Short Maturity ETF COM 72201r833 5,270 53,244 SH   SOLE   53,244 0 0
Templeton Global Income Fund COM 880198106 53 10,000 SH   SOLE   10,000 0 0
Vanguard Short-Term Corporate COM 92206c409 354 4,480 SH   SOLE   4,480 0 0
iShares Short Maturity Bond ET COM 46431W507 506 10,430 SH   SOLE   10,430 0 0
iShares Short Treasury Bond ET COM 464288679 14,761 132,958 SH   SOLE   132,958 0 0