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
3M Co COM 88579Y101 222 1,280 SH   SOLE   1,280 0 0
Abbott Laboratories COM 002824100 267 3,176 SH   SOLE   3,176 0 0
Agilent Technologies Inc COM 00846U101 255 3,417 SH   SOLE   3,417 0 0
Air Products & Chemicals Inc COM 009158106 345 1,525 SH   SOLE   1,525 0 0
Alerian MLP ETF MLP 00162Q866 153 15,525 SH   SOLE   15,525 0 0
Alibaba Group Holding Ltd SPONSORED ADS 01609W102 252 1,485 SH   SOLE   1,485 0 0
Alphabet Inc Cap Stk Cl A CL A 02079K305 290 268 SH   SOLE   268 0 0
Alphabet Inc Cap Stk Cl C CL C 02079K107 551 510 SH   SOLE   510 0 0
Amazon.com Inc COM 023135106 1,947 1,028 SH   SOLE   1,028 0 0
American Express Co COM 025816109 364 2,945 SH   SOLE   2,945 0 0
American River Bankshares COM 029326105 244 19,879 SH   SOLE   19,879 0 0
American States Water Co COM 029899101 284 3,772 SH   SOLE   3,772 0 0
Apple Inc COM 037833100 4,925 24,882 SH   SOLE   24,882 0 0
At&T Inc COM 00206R102 2,165 64,598 SH   SOLE   64,598 0 0
Bank of America Corporation COM 060505104 553 19,058 SH   SOLE   19,058 0 0
Beacon Roofing Supply Inc COM 073685109 738 20,100 SH   SOLE   20,100 0 0
Berkshire Hathaway Cl B CL B 084670702 2,375 11,143 SH   SOLE   11,143 0 0
Boeing Co COM 097023105 216 594 SH   SOLE   594 0 0
Bristol-Myers Squibb Company COM 110122108 233 5,128 SH   SOLE   5,128 0 0
Caterpillar Inc COM 149123101 704 5,166 SH   SOLE   5,166 0 0
Cathay General Bancorp COM 149150104 503 14,000 SH   SOLE   14,000 0 0
Cedar Fair LP DEPOSITRY UNIT 150185106 572 12,000 SH   SOLE   12,000 0 0
CenterPoint Energy Inc COM 15189T107 289 10,101 SH   SOLE   10,101 0 0
Chevron Corp COM 166764100 1,884 15,143 SH   SOLE   15,143 0 0
Cisco Systems Inc COM 17275R102 327 5,977 SH   SOLE   5,977 0 0
Consolidated Edison Inc COM 209115104 438 5,000 SH   SOLE   5,000 0 0
Continental Building Products Inc COM 211171103 1,105 41,600 SH   SOLE   41,600 0 0
Costco Wholesale Corp COM 22160K105 866 3,277 SH   SOLE   3,277 0 0
Dow Chemical Co COM 260543103 262 5,307 SH   SOLE   5,307 0 0
DTE Energy Holding Co COM 233331107 315 2,466 SH   SOLE   2,466 0 0
Duke Energy Corporation COM 26441C204 1,478 16,745 SH   SOLE   16,745 0 0
E I du Pont de Nemours & Co COM 263534109 403 5,365 SH   SOLE   5,365 0 0
Entergy Corp COM 29364G103 1,029 10,000 SH   SOLE   10,000 0 0
Exxon Mobil Corporation COM 30231G102 1,198 15,628 SH   SOLE   15,628 0 0
Facebook Inc CL A 30303M102 313 1,620 SH   SOLE   1,620 0 0
Fidelity National Financial Inc COM 31620R303 239 5,933 SH   SOLE   5,933 0 0
Fidelity National Information Services Inc COM 31620M106 269 2,190 SH   SOLE   2,190 0 0
Ford Motor Co COM 345370860 215 20,976 SH   SOLE   20,976 0 0
General Electric Co COM 369604103 750 71,404 SH   SOLE   71,404 0 0
Home Depot Inc COM 437076102 719 3,459 SH   SOLE   3,459 0 0
Hp Inc COM 40434L105 238 11,464 SH   SOLE   11,464 0 0
Intel Corp COM 458140100 1,412 29,506 SH   SOLE   29,506 0 0
International Bancshares Corp COM 459044103 280 7,425 SH   SOLE   7,425 0 0
International Business Machines Corp COM 459200101 344 2,492 SH   SOLE   2,492 0 0
iShares Core MSCI Intl Dev Mkts ETF CORE MSCI INTL 46435G326 4,120 75,162 SH   SOLE   75,162 0 0
Ishares Core Russell Us CORE S&P US VLU 464287663 1,410 24,889 SH   SOLE   24,889 0 0
iShares Core S&P Total US Stock Mkt ETF 464287150 3,324 49,887 SH   SOLE   49,887 0 0
iShares Russell 2000 ETF 464287655 810 5,209 SH   SOLE   5,209 0 0
ISHARES SHORT MATURITY BOND ET F ETF 46431W507 404 8,036 SH   SOLE   8,036 0 0
J P Morgan Exchange-Traded Fd Tr Ultra-Short Incom ETF 46641Q837 55,807 1,107,504 SH   SOLE   1,107,504 0 0
Johnson & Johnson COM 478160104 885 6,353 SH   SOLE   6,353 0 0
JPMorgan Chase & Co COM 46625H100 2,449 21,908 SH   SOLE   21,908 0 0
Merck & Co Inc COM 58933Y105 658 7,846 SH   SOLE   7,846 0 0
Microsoft Corp COM 594918104 702 5,240 SH   SOLE   5,240 0 0
Schwab US Large-Cap Growth ETF US LCAP GR ETF 808524300 245 2,947 SH   SOLE   2,947 0 0
iShares Core S&P US Growth ETF CORE S&P US GWT 464287671 259 4,133 SH   SOLE   4,133 0 0
Nelnet Inc CL A 64031N108 916 15,473 SH   SOLE   15,473 0 0
Netflix Inc COM 64110L106 235 640 SH   SOLE   640 0 0
PepsiCo Inc COM 713448108 252 1,925 SH   SOLE   1,925 0 0
Pfizer Inc COM 717081103 532 12,274 SH   SOLE   12,274 0 0
PNC Financial Services Group Inc COM 693475105 234 1,706 SH   SOLE   1,706 0 0
PowerShares QQQ ETF ETF 73935A104 770 4,124 SH   SOLE   4,124 0 0
Procter & Gamble Co COM 742718109 3,016 27,503 SH   SOLE   27,503 0 0
Qualcomm Inc COM 747525103 404 5,313 SH   SOLE   5,313 0 0
S&P 500 INDEX - iSHARES ETF 464287200 110,057 373,389 SH   SOLE   373,389 0 0
Sch US Agg Bnd Etf US AGGREGATE B 808524839 323 6,091 SH   SOLE   6,091 0 0
Schwab Intl Equity ETF INTL EQTY ETF 808524805 14,972 466,559 SH   SOLE   466,559 0 0
Schwab Strategic Tr US Small-Cap Etf US SML CAP ETF 808524607 275 3,845 SH   SOLE   3,845 0 0
Schwab US Broad Mkt US BRD MKT ETF 808524102 6,830 96,834 SH   SOLE   96,834 0 0
Schwab US Large Cap US LCAP VA ETF 808524409 8,379 149,260 SH   SOLE   149,260 0 0
Schwab US Large-Cap ETF ETF 808524201 1,089 15,510 SH   SOLE   15,510 0 0
Ishares TRUST 0-5yr High Yield Corp Bd I 0-5YR HI YL CP 46434V407 404 8,643 SH   SOLE   8,643 0 0
Sempra Energy COM 816851109 2,557 18,607 SH   SOLE   18,607 0 0
Siteone Landscape Su COM 82982L103 317 4,580 SH   SOLE   4,580 0 0
Spdr Dow Jones Reit ETF 78464A607 414 4,187 SH   SOLE   4,187 0 0
SPDR PRTFOLIO WORLD EX-US ETF SHS 78463X889 1,584 53,540 SH   SOLE   53,540 0 0
SPDR SERIES TRUST PORTFOLIO AG GREGATE BOND ETF ETF 78464A649 1,164 39,906 SH   SOLE   39,906 0 0
SPDR SERIES TRUST PORTFOLIO TO TAL STK MRKT ETF ETF 78464A805 1,313 36,017 SH   SOLE   36,017 0 0
Travelers Companies Inc COM 89417E109 1,149 7,682 SH   SOLE   7,682 0 0
Union Pacific Corp COM 907818108 1,165 6,886 SH   SOLE   6,886 0 0
VANGUARD EMERGING MARKET ETF 922042858 7,341 172,615 SH   SOLE   172,615 0 0
Vanguard FTSE Developed Markets ETF 921943858 46,337 1,110,926 SH   SOLE   1,110,926 0 0
Vanguard Growth ETF ETF 922908736 204 1,247 SH   SOLE   1,247 0 0
Vanguard REIT ETF ETF 922908553 241 2,751 SH   SOLE   2,751 0 0
Vanguard S&P 500 Etf S&P 500 ETF SHS 922908363 1,849 6,869 SH   SOLE   6,869 0 0
Vanguard Short-Term Corporate Bond ETF SHRT TRM CORP BD 92206C409 573 7,097 SH   SOLE   7,097 0 0
Vanguard Total International Stock ETF ETF 921909768 2,690 50,991 SH   SOLE   50,991 0 0
Verizon Communications Inc COM 92343V104 573 10,035 SH   SOLE   10,035 0 0
Walt Disney Co COM 254687106 926 6,633 SH   SOLE   6,633 0 0
WD-40 Co COM 929236107 636 4,000 SH   SOLE   4,000 0 0
Wells Fargo & Co COM 949746101 399 8,428 SH   SOLE   8,428 0 0
Westamerica Bancorp COM 957090103 310 5,039 SH   SOLE   5,039 0 0
Weyerhaeuser Co. COM 962166104 211 8,000 SH   SOLE   8,000 0 0
WisdomtreeTree EM Ex St-Owned EM EX ST-OWNED 97717X578 45,959 1,591,941 SH   SOLE   1,591,941 0 0
Jp Morgan Exch Traded Nt ALERIAN ML ETN 46625H365 755 30,050 SH   SOLE   30,050 0 0
Xcel Energy Inc COM 98389B100 601 10,108 SH   SOLE   10,108 0 0
Annaly Capital Mgmt Inc. COM 035710409 91 10,000 SH   SOLE   10,000 0 0
Enterprise Products Partners LP COM 293792107 777 26,919 SH   SOLE   26,919 0 0
Ishares MSCI Emerging Markets ETF 464287234 1,017 23,709 SH   SOLE   23,709 0 0
Ishares Tr S&P Smallcap ETF 464287804 390 4,980 SH   SOLE   4,980 0 0
MSCI EAFE INDEX - iSHARES ETF 464287465 253 3,856 SH   SOLE   3,856 0 0
S P D R TRUST Unit SR TR UNIT 78462F103 436 1,486 SH   SOLE   1,486 0 0
SPDR Gold Trust SHS 78463V107 223 1,677 SH   SOLE   1,677 0 0
Vanguard Total Stock Mkt TOTAL STK MKT 922908769 750 4,997 SH   SOLE   4,997 0 0