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
ALCOA INC COM Common Stock 013817101 316 20,000 SH   SOLE   0 0 20,000
APPLE INC COM Common Stock 037833100 2,997 27,155 SH   SOLE   0 0 27,155
ALCATEL LUCENT SPONSORED ADR Common Stock 013904305 18 5,025 SH   SOLE   0 0 5,025
APPLIED MATERIALS INC Common Stock 038222105 103 4,129 SH   SOLE   0 0 4,129
AMGEN INC COM Common Stock 031162100 338 2,125 SH   SOLE   0 0 2,125
ACCESS WORLDWIDE COMM INC COM Common Stock 004319109 0 7,100 SH   SOLE   0 0 7,100
BOEING CO COM Common Stock 097023105 366 2,813 SH   SOLE   0 0 2,813
BANRO CORPORATION COM Common Stock 066800103 7 51,963 SH   SOLE   0 0 51,963
NATUS MED INC DEL Common Stock 639050103 209 5,789 SH   SOLE   0 0 5,789
BANK OF AMERICA CORP COM Common Stock 060505104 504 28,154 SH   SOLE   0 0 28,154
FRANKLIN RES INC COM Common Stock 354613101 603 10,884 SH   SOLE   0 0 10,884
BRISTOL-MYERS SQUIBB CM Common Stock 110122108 322 5,461 SH   SOLE   0 0 5,461
BANK COMM HLDGS COM ISIN #US06424J1034 SEDOL #B01KDQ5 Common Stock 06424J103 60 10,128 SH   SOLE   0 0 10,128
BP PLC SPONS ADR Common Stock 055622104 248 6,512 SH   SOLE   0 0 6,512
BROCADE COMMUNICATIONS SYS INC COM NEW ISIN #US1116213067 SEDOL #2422174 Common Stock 111621306 47 4,000 SH   SOLE   0 0 4,000
BERKSHIRE HATHAWAY INC DEL CL A FRMLY COMMON Common Stock 084670108 904 4 SH   SOLE   0 0 4
BERKSHIRE HATHAWAY INC DEL CL B NEW Common Stock 084670702 1,582 10,537 SH   SOLE   0 0 10,537
CATERPILLAR INC COM Common Stock 149123101 94 1,025 SH   SOLE   0 0 1,025
CHUBB CORP COM Common Stock 171232101 254 2,457 SH   SOLE   0 0 2,457
COMMUNITY 1ST BK ROSEVILLE CALIF COM Common Stock 203658109 26 7,400 SH   SOLE   0 0 7,400
COMCAST CORP COM CL A Common Stock 20030N101 376 6,485 SH   SOLE   0 0 6,485
CONSOLIDATED COMM HLDGS COM Common Stock 209034107 339 12,184 SH   SOLE   0 0 12,184
COSTCO WHOLESALE CORPORATION COM Common Stock 22160K105 327 2,309 SH   SOLE   0 0 2,309
CISCO SYSTEMS INC COM Common Stock 17275R102 292 10,492 SH   SOLE   0 0 10,492
CHEVRON CORP COM Common Stock 166764100 2,498 22,266 SH   SOLE   0 0 22,266
TABLEAU SOFTWARE INC COM Common Stock 87336U105 202 2,382 SH   SOLE   0 0 2,382
WALT DISNEY CO COM Common Stock 254687106 496 5,265 SH   SOLE   0 0 5,265
EDISON INTERNATIONAL COM Common Stock 281020107 654 9,990 SH   SOLE   0 0 9,990
SPDR EMERGING SMALL CAP Common Stock 78463X756 266 5,996 SH   SOLE   0 0 5,996
FORD MOTOR COM Common Stock 345370860 294 18,998 SH   SOLE   0 0 18,998
ISHARES INC MSCI FRONTIER 100 ETF ETF 464286145 190 6,163 SH   SOLE   0 0 6,163
GENERAL ELECTRIC CO COM Common Stock 369604103 800 31,650 SH   SOLE   0 0 31,650
HALLIBURTON CO COM Common Stock 406216101 412 10,468 SH   SOLE   0 0 10,468
HOME DEPOT INC COM Common Stock 437076102 658 6,266 SH   SOLE   0 0 6,266
HEWLETT PACKARD CO COM Common Stock 428236103 738 18,397 SH   SOLE   0 0 18,397
INTL BUSINESS MACHINES COM Common Stock 459200101 1,629 10,151 SH   SOLE   0 0 10,151
INTEL CORP COM Common Stock 458140100 3,498 96,399 SH   SOLE   0 0 96,399
INGERSOLL-RAND PLC Common Stock G47791101 233 3,676 SH   SOLE   0 0 3,676
IRIS BIOTECHNOLOGY INC COM Common Stock 46269V100 245 192,600 SH   SOLE   0 0 192,600
JOHNSON & JOHNSON COM Common Stock 478160104 889 8,504 SH   SOLE   0 0 8,504
KINDER MORGAN INC COM Common Stock 49456B101 352 8,313 SH   SOLE   0 0 8,313
COCA COLA CO COM Common Stock 191216100 438 10,373 SH   SOLE   0 0 10,373
MEDTRONIC INC COM Common Stock 585055106 514 7,120 SH   SOLE   0 0 7,120
MANNKIND CORP Common Stock 56400P201 37 7,000 SH   SOLE   0 0 7,000
ALTRIA GROUP INC COM Common Stock 02209S103 687 13,952 SH   SOLE   0 0 13,952
MICROSOFT CORP COM Common Stock 594918104 969 20,859 SH   SOLE   0 0 20,859
NANOTECH ENTERTAINMENT INC COM Common Stock 63009Y104 5 113,600 SH   SOLE   0 0 113,600
NUVEEN CALIF DIVID ADVANTAGE MUN FD 2 Common Stock 67069X104 76 5,325 SH   SOLE   0 0 5,325
ORACLE CORP COM Common Stock 68389X105 330 7,336 SH   SOLE   0 0 7,336
PACIFIC GAS & ELEC CO COM Common Stock 69331C108 624 11,718 SH   SOLE   0 0 11,718
PIMCO CALIF MUN INCO ME FD II COM Common Stock 72200M108 71 7,495 SH   SOLE   0 0 7,495
PEPSICO INC COM Common Stock 713448108 362 3,829 SH   SOLE   0 0 3,829
PFIZER INC COM Common Stock 717081103 256 8,219 SH   SOLE   0 0 8,219
PROCTER GAMBLE CO COM Common Stock 742718109 630 6,919 SH   SOLE   0 0 6,919
PUTNAM PREMIER INCOME TR SH BEN INT Common Stock 746853100 78 14,952 SH   SOLE   0 0 14,952
PHILLIPS 66 COM Common Stock 718546104 46 637 SH   SOLE   0 0 637
PIMCO CA MUNI INCOME FUND IIICOM Common Stock 72201C109 43 4,000 SH   SOLE   0 0 4,000
ROYAL DUTCH SHELL PLC ADR CLASS A Common Stock 780259206 294 4,388 SH   SOLE   0 0 4,388
SEADRILL LTD ORD Common Stock G7945E105 49 4,115 SH   SOLE   0 0 4,115
SOUTHERN CO COM Common Stock 842587107 584 11,901 SH   SOLE   0 0 11,901
STANDARD PACIFIC CORP CM Common Stock 85375C101 130 17,800 SH   SOLE   0 0 17,800
SIERRA VISTA BANK (CA) COM Common Stock 82651B105 45 10,000 SH   SOLE   0 0 10,000
AT&T INC COM Common Stock 00206R102 3,036 90,370 SH   SOLE   0 0 90,370
UNILEVER PLC ADR Common Stock 904767704 260 6,427 SH   SOLE   0 0 6,427
VISTA GOLD CORP COM Common Stock 927926303 16 54,539 SH   SOLE   0 0 54,539
VODAFONE GROUP PLC ADR Common Stock 92857W308 547 16,009 SH   SOLE   0 0 16,009
VERIZON COMMUNICATIONS COM Common Stock 92343V104 925 19,780 SH   SOLE   0 0 19,780
WELLS FARGO & CO COM Common Stock 949746101 473 8,633 SH   SOLE   0 0 8,633
WAL-MART STORES COM Common Stock 931142103 322 3,755 SH   SOLE   0 0 3,755
EXXON MOBIL CORPORATION COM Common Stock 30231G102 1,381 14,937 SH   SOLE   0 0 14,937
iShs Barclays AggBnd ETF 464287226 10,668 96,874 SH   SOLE   0 0 96,874
ISHARES S&P AGGRESSIVE ALLOCATION ETF ETF 464289859 780 16,852 SH   SOLE   0 0 16,852
WT EM SC Dividend ETF 97717W281 1,492 34,564 SH   SOLE   0 0 34,564
iShs DJ Select Div ETF 464287168 4,280 53,904 SH   SOLE   0 0 53,904
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109 5,053 210,795 SH   SOLE   0 0 210,795
GUGGENHEIM EXCH TRD FD FRONTIER MARKETS ETF ETF 18383Q838 126 9,052 SH   SOLE   0 0 9,052
SPDR GOLD TR GOLD SHS ETF ETF 78463V107 761 6,697 SH   SOLE   0 0 6,697
ISHARES INTL SELECT DIV ETF ETF 464288448 4,646 137,902 SH   SOLE   0 0 137,902
ISHARES INC CORE MSCI EMERGING MKTS ETF ETF 46434G103 319 6,780 SH   SOLE   0 0 6,780
ISHARES CORE S&P TOTAL US STOCK MARKET ETF ETF 464287150 1,611 17,153 SH   SOLE   0 0 17,153
ISHARES TRUST CORE MSCI TOTAL INTL STK ETF ETF 46432F834 1,476 27,716 SH   SOLE   0 0 27,716
ISHARES NATIONAL AMT-FREE MUNI BND ETF ETF 464288414 310 2,811 SH   SOLE   0 0 2,811
POWERSHARES QQQ ETF 73935A104 290 2,809 SH   SOLE   0 0 2,809
SCHW US BRD MKT ETF ETF 808524102 963 19,330 SH   SOLE   0 0 19,330
SCHW INTL SCAP ETF ETF 808524888 176 6,113 SH   SOLE   0 0 6,113
SCH US DIV EQUITY ETF ETF 808524797 392 9,830 SH   SOLE   0 0 9,830
SCHW EMG MKT EQ ETF ETF 808524706 180 7,531 SH   SOLE   0 0 7,531
SCHW INTL EQ ETF ETF 808524805 812 28,073 SH   SOLE   0 0 28,073
SCH US REIT ETF ETF 808524847 152 3,902 SH   SOLE   0 0 3,902
Schwab Strat TR ETF ETF 808524870 375 6,906 SH   SOLE   0 0 6,906
SCH US AGG BND ETF ETF 808524839 833 15,905 SH   SOLE   0 0 15,905
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273 674 14,421 SH   SOLE   0 0 14,421
ISHARES SILVER TRUST ETF 46428Q109 62 4,133 SH   SOLE   0 0 4,133
POWERSHARES S&P 500 LOW VOLITILY PORT ETF 73937B779 513 13,520 SH   SOLE   0 0 13,520
SPDR TR S&P 500 ETF TR ETF 78462F103 748 3,637 SH   SOLE   0 0 3,637
ISHARES TIPS BOND ETF ETF 464287176 826 7,373 SH   SOLE   0 0 7,373
ISHARES TRUST MSCI USA MINVOLATILITY ETF ETF 46429B697 914 22,579 SH   SOLE   0 0 22,579
VANGUARD CRSP US SMALL CAP VALUE IND ET ETF 922908611 191 1,807 SH   SOLE   0 0 1,807
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 1,869 49,351 SH   SOLE   0 0 49,351
VANGUARD REIT ETF INDEX ETF 922908553 408 5,035 SH   SOLE   0 0 5,035
Vgrd S&P 500 ETF 922908363 5,906 31,342 SH   SOLE   0 0 31,342
Vgrd Total Stock Mkt ETF 922908769 146,297 1,380,161 SH   SOLE   0 0 1,380,161
VANGUARD CRSP US LARGE CAP GROW IND ETF ETF 922908736 394 3,776 SH   SOLE   0 0 3,776
VANGUARD CRSP US LARGE CAP INDEX ETF 922908637 2,961 31,371 SH   SOLE   0 0 31,371
Vgrd FTSE Emerge Mkt ETF 922042858 21,561 538,764 SH   SOLE   0 0 538,764
Vanguard Ttl Intl SI ETF 921909768 5,586 115,562 SH   SOLE   0 0 115,562
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 1,464 21,298 SH   SOLE   0 0 21,298
AMERIC INT GR FRAC 100,000THSWTS EXP 01/19/2021 Rights/Warrants ACG874152 0 45,985 SH   SOLE   0 0 45,985
DIVIDEND CAP DIVERSIFIED PROPFD CL E NSA Unit 255997108 56 7,824 SH   SOLE   0 0 7,824
HINES REAL ESTATE INVEST TRUST NSA Unit 433995511 53 8,121 SH   SOLE   0 0 8,121
INLAND AMERICAN REAL ESTATE TR NSA Unit 457281988 65 9,399 SH   SOLE   0 0 9,399
REDWOOD MORTGAGE INVESTORS VI LTD PARTNERSHIP Unit 758059109 13 13,154 SH   SOLE   0 0 13,154
REDWOOD MORTGAGE INVESTORS VII-UNITS LP INT NSA Unit 758059208 63 62,916 SH   SOLE   0 0 62,916
CALLIANCE RLTY FD LLC MTG INSTL DIVISION SHS LP Unit 13123W104 7 5,745 SH   SOLE   0 0 5,745
SUMMIT HEALTHCARE REIT INC NSA Unit 21999F105 20 9,797 SH   SOLE   0 0 9,797
KBS REIT I INC NSA Unit 48299T105 35 7,783 SH   SOLE   0 0 7,783
TIER REIT NSA Unit 87399G100 94 20,921 SH   SOLE   0 0 20,921
ANNALY CAPITAL MANAGEMENT INCCOM Unit 035710409 19 1,778 SH   SOLE   0 0 1,778
REALTY INCOME CORPORATION COM Unit 756109104 213 4,462 SH   SOLE   0 0 4,462
PUBLIC STORAGE REIT Unit 74460D109 130 703 SH   SOLE   0 0 703
REDWOOD MORTGAGE INVESTORS VIII LTD Unit 758059307 35 35,197 SH   SOLE   0 0 35,197
SPIRIT REALTY CAPITAL INC COM Unit 84860W102 58 4,911 SH   SOLE   0 0 4,911
SPIRIT REALTY CAPITAL INC COM Unit 48242N106 56 4,610 SH   SOLE   0 0 4,610