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 210 1,280 SH   SOLE   1,280 0 0
Abbott Laboratories COM 002824100 263 3,145 SH   SOLE   3,145 0 0
Agilent Technologies Inc COM 00846U101 262 3,417 SH   SOLE   3,417 0 0
Air Products & Chemicals Inc COM 009158106 338 1,525 SH   SOLE   1,525 0 0
Alerian MLP ETF MLP 00162Q866 141 15,375 SH   SOLE   15,375 0 0
Alibaba Group Holding Ltd SPONSORED ADS 01609W102 212 1,265 SH   SOLE   1,265 0 0
Alphabet Inc Cap Stk Cl A CL A 02079K305 245 201 SH   SOLE   201 0 0
Alphabet Inc Cap Stk Cl C CL C 02079K107 488 400 SH   SOLE   400 0 0
Amazon.com Inc COM 023135106 1,821 1,049 SH   SOLE   1,049 0 0
American Express Co COM 025816109 348 2,945 SH   SOLE   2,945 0 0
American River Bankshares COM 029326105 313 22,981 SH   SOLE   22,981 0 0
American States Water Co COM 029899101 321 3,572 SH   SOLE   3,572 0 0
Apple Inc COM 037833100 6,525 29,134 SH   SOLE   29,134 0 0
At&T Inc COM 00206R102 2,466 65,161 SH   SOLE   65,161 0 0
Bank of America Corporation COM 060505104 541 18,561 SH   SOLE   18,561 0 0
Beacon Roofing Supply Inc COM 073685109 674 20,100 SH   SOLE   20,100 0 0
Berkshire Hathaway Cl B CL B 084670702 2,496 11,998 SH   SOLE   11,998 0 0
Bristol-Myers Squibb Company COM 110122108 250 4,928 SH   SOLE   4,928 0 0
Caterpillar Inc COM 149123101 793 6,276 SH   SOLE   6,276 0 0
Cathay General Bancorp COM 149150104 486 14,000 SH   SOLE   14,000 0 0
Cedar Fair LP DEPOSITRY UNIT 150185106 700 12,000 SH   SOLE   12,000 0 0
CenterPoint Energy Inc COM 15189T107 305 10,101 SH   SOLE   10,101 0 0
Chevron Corp COM 166764100 1,824 15,382 SH   SOLE   15,382 0 0
Cisco Systems Inc COM 17275R102 326 6,597 SH   SOLE   6,597 0 0
Consolidated Edison Inc COM 209115104 472 5,000 SH   SOLE   5,000 0 0
Continental Building Products Inc COM 211171103 917 33,600 SH   SOLE   33,600 0 0
Costco Wholesale Corp COM 22160K105 936 3,247 SH   SOLE   3,247 0 0
Dow Chemical Co COM 260543103 253 5,307 SH   SOLE   5,307 0 0
DTE Energy Holding Co COM 233331107 310 2,334 SH   SOLE   2,334 0 0
Duke Energy Corporation COM 26441C204 1,600 16,695 SH   SOLE   16,695 0 0
E I du Pont de Nemours & Co COM 263534109 383 5,365 SH   SOLE   5,365 0 0
Entergy Corp COM 29364G103 1,198 10,210 SH   SOLE   10,210 0 0
Exxon Mobil Corporation COM 30231G102 1,222 17,313 SH   SOLE   17,313 0 0
Facebook Inc CL A 30303M102 321 1,802 SH   SOLE   1,802 0 0
Fidelity National Financial Inc COM 31620R303 263 5,933 SH   SOLE   5,933 0 0
Fidelity National Information Services Inc COM 31620M106 307 2,310 SH   SOLE   2,310 0 0
First Trust TCW Opportunistic Fixed Income ETF TCW OPPORTUNIS 33740F805 1,651 31,363 SH   SOLE   31,363 0 0
Ford Motor Co COM 345370860 172 18,738 SH   SOLE   18,738 0 0
General Electric Co COM 369604103 668 74,723 SH   SOLE   74,723 0 0
Home Depot Inc COM 437076102 746 3,217 SH   SOLE   3,217 0 0
Hp Inc COM 40434L105 219 11,566 SH   SOLE   11,566 0 0
Intel Corp COM 458140100 1,918 37,212 SH   SOLE   37,212 0 0
International Bancshares Corp COM 459044103 287 7,425 SH   SOLE   7,425 0 0
International Business Machines Corp COM 459200101 362 2,492 SH   SOLE   2,492 0 0
Invesco S&P 500 BuyWrite ETF S&P500 BUY WRT 46137V399 1,000 46,211 SH   SOLE   46,211 0 0
iShares Core MSCI Intl Dev Mkts ETF CORE MSCI INTL 46435G326 4,251 77,821 SH   SOLE   77,821 0 0
Ishares Core Russell Us CORE S&P US VLU 464287663 1,390 24,048 SH   SOLE   24,048 0 0
iShares Core S&P Total US Stock Mkt ETF 464287150 3,608 53,790 SH   SOLE   53,790 0 0
iShares Core S&P US Growth ETF CORE S&P US GWT 464287671 358 5,693 SH   SOLE   5,693 0 0
iShares Russell 2000 ETF 464287655 788 5,205 SH   SOLE   5,205 0 0
Ishares S&P 500 Value S&P 500 VAL ETF 464287408 246 2,068 SH   SOLE   2,068 0 0
ISHARES SHORT MATURITY BOND ET F ETF 46431W507 420 8,336 SH   SOLE   8,336 0 0
J P Morgan Exchange-Traded Fd Tr Ultra-Short Incom ETF 46641Q837 65,482 1,298,592 SH   SOLE   1,298,592 0 0
Johnson & Johnson COM 478160104 903 6,978 SH   SOLE   6,978 0 0
Jp Morgan Exch Traded Nt ALERIAN ML ETN 46625H365 699 30,050 SH   SOLE   30,050 0 0
JPMorgan Chase & Co COM 46625H100 2,729 23,191 SH   SOLE   23,191 0 0
Merck & Co Inc COM 58933Y105 686 8,146 SH   SOLE   8,146 0 0
Microsoft Corp COM 594918104 1,108 7,969 SH   SOLE   7,969 0 0
Nelnet Inc CL A 64031N108 984 15,473 SH   SOLE   15,473 0 0
PepsiCo Inc COM 713448108 264 1,925 SH   SOLE   1,925 0 0
Pfizer Inc COM 717081103 447 12,437 SH   SOLE   12,437 0 0
PNC Financial Services Group Inc COM 693475105 245 1,745 SH   SOLE   1,745 0 0
PowerShares QQQ ETF ETF 73935A104 632 3,349 SH   SOLE   3,349 0 0
Procter & Gamble Co COM 742718109 3,511 28,228 SH   SOLE   28,228 0 0
Qualcomm Inc COM 747525103 348 4,563 SH   SOLE   4,563 0 0
S&P 500 INDEX - iSHARES ETF 464287200 112,806 377,884 SH   SOLE   377,884 0 0
Schwab Intl Equity ETF INTL EQTY ETF 808524805 14,771 463,610 SH   SOLE   463,610 0 0
Schwab Strategic Tr US Small-Cap Etf US SML CAP ETF 808524607 354 5,075 SH   SOLE   5,075 0 0
Schwab US Broad Mkt US BRD MKT ETF 808524102 6,859 96,581 SH   SOLE   96,581 0 0
Schwab US Large Cap US LCAP VA ETF 808524409 8,282 145,989 SH   SOLE   145,989 0 0
Schwab US Large-Cap ETF ETF 808524201 1,387 19,550 SH   SOLE   19,550 0 0
Schwab US Large-Cap Growth ETF US LCAP GR ETF 808524300 392 4,670 SH   SOLE   4,670 0 0
Sempra Energy COM 816851109 2,744 18,587 SH   SOLE   18,587 0 0
Siteone Landscape Su COM 82982L103 278 3,756 SH   SOLE   3,756 0 0
Spdr Dow Jones Reit ETF 78464A607 438 4,187 SH   SOLE   4,187 0 0
SPDR PRTFOLIO WORLD EX-US ETF SHS 78463X889 1,896 64,580 SH   SOLE   64,580 0 0
SPDR SERIES TRUST PORTFOLIO AG GREGATE BOND ETF ETF 78464A649 506 17,086 SH   SOLE   17,086 0 0
SPDR SERIES TRUST PORTFOLIO TO TAL STK MRKT ETF ETF 78464A805 1,160 31,585 SH   SOLE   31,585 0 0
Starbucks Corp COM 855244109 208 2,348 SH   SOLE   2,348 0 0
Travelers Companies Inc COM 89417E109 1,181 7,940 SH   SOLE   7,940 0 0
Union Pacific Corp COM 907818108 1,108 6,841 SH   SOLE   6,841 0 0
VANGUARD EMERGING MARKET ETF 922042858 6,597 163,870 SH   SOLE   163,870 0 0
Vanguard FTSE Developed Markets ETF 921943858 49,356 1,201,454 SH   SOLE   1,201,454 0 0
Vanguard REIT ETF ETF 922908553 257 2,753 SH   SOLE   2,753 0 0
Vanguard S&P 500 Etf S&P 500 ETF SHS 922908363 1,856 6,808 SH   SOLE   6,808 0 0
Vanguard Short-Term Bond ETF SHORT TRM BOND 921937827 201 2,482 SH   SOLE   2,482 0 0
Vanguard Short-Term Corporate Bond ETF SHRT TRM CORP BD 92206C409 637 7,855 SH   SOLE   7,855 0 0
Vanguard Total International Stock ETF ETF 921909768 2,586 50,059 SH   SOLE   50,059 0 0
Verizon Communications Inc COM 92343V104 639 10,589 SH   SOLE   10,589 0 0
Visa Inc CL A 92826C839 207 1,204 SH   SOLE   1,204 0 0
Walt Disney Co COM 254687106 1,028 7,891 SH   SOLE   7,891 0 0
WD-40 Co COM 929236107 734 4,000 SH   SOLE   4,000 0 0
Wells Fargo & Co COM 949746101 425 8,428 SH   SOLE   8,428 0 0
Westamerica Bancorp COM 957090103 313 5,039 SH   SOLE   5,039 0 0
Weyerhaeuser Co. COM 962166104 222 8,000 SH   SOLE   8,000 0 0
WisdomtreeTree EM Ex St-Owned EM EX ST-OWNED 97717X578 48,298 1,746,760 SH   SOLE   1,746,760 0 0
Xcel Energy Inc COM 98389B100 650 10,010 SH   SOLE   10,010 0 0
Annaly Capital Mgmt Inc. COM 035710409 88 10,000 SH   SOLE   10,000 0 0
Enterprise Products Partners LP COM 293792107 769 26,919 SH   SOLE   26,919 0 0
Ishares MSCI Emerging Markets ETF 464287234 969 23,709 SH   SOLE   23,709 0 0
Ishares Tr S&P Midcap ETF 464287507 353 1,824 SH   SOLE   1,824 0 0
Ishares Tr S&P Smallcap ETF 464287804 651 8,367 SH   SOLE   8,367 0 0
MSCI EAFE INDEX - iSHARES ETF 464287465 235 3,606 SH   SOLE   3,606 0 0
S P D R TRUST Unit SR TR UNIT 78462F103 461 1,553 SH   SOLE   1,553 0 0
SPDR Gold Trust SHS 78463V107 233 1,677 SH   SOLE   1,677 0 0
Vanguard Total Stock Mkt TOTAL STK MKT 922908769 741 4,904 SH   SOLE   4,904 0 0