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
ABBOTT LABS COM 002824100 1,130 10,319 SH   SOLE   511 0 9,808
ALLSTATE CORP COM 020002101 1,728 15,718 SH   SOLE   782 0 14,936
ALTRIA GROUP INC COM 02209S103 551 13,434 SH   SOLE   890 0 12,544
APPLE INC COM 037833100 10,471 78,914 SH   SOLE   3,231 0 75,683
ASHLAND GLOBAL HLDGS INC COM 044186104 901 11,374 SH   SOLE   727 0 10,647
AT&T INC COM 00206R102 905 31,466 SH   SOLE   1,827 0 29,639
AUTONATION INC COM 05329W102 1,023 14,658 SH   SOLE   736 0 13,922
BANK NEW YORK MELLON CORP COM 064058100 616 14,508 SH   SOLE   976 0 13,532
BCE INC COM NEW 05534B760 748 17,484 SH   SOLE   1,112 0 16,372
BK OF AMERICA CORP COM 060505104 599 19,763 SH   SOLE   0 0 19,763
BRISTOL-MYERS SQUIBB CO COM 110122108 1,553 25,035 SH   SOLE   1,356 0 23,679
CISCO SYS INC COM 17275R102 1,292 28,867 SH   SOLE   1,343 0 27,524
CONOCOPHILLIPS COM 20825C104 766 19,152 SH   SOLE   870 0 18,282
CORELOGIC INC COM 21871D103 1,043 13,490 SH   SOLE   0 0 13,490
DISNEY WALT CO COM 254687106 2,071 11,429 SH   SOLE   1,142 0 10,287
EDWARDS LIFESCIENCES CORP COM 28176E108 942 10,321 SH   SOLE   0 0 10,321
EXXON MOBIL CORP COM 30231G102 1,115 27,057 SH   SOLE   0 0 27,057
FIRST AMERN FINL CORP COM 31847R102 666 12,905 SH   SOLE   0 0 12,905
HONEYWELL INTL INC COM 438516106 3,360 15,799 SH   SOLE   0 0 15,799
HORMEL FOODS CORP COM 440452100 737 15,815 SH   SOLE   904 0 14,911
HP INC COM 40434L105 1,087 44,207 SH   SOLE   3,141 0 41,066
INTEL CORP COM 458140100 535 10,748 SH   SOLE   0 0 10,748
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 554 26,110 SH   SOLE   1,025 0 25,085
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 926 42,279 SH   SOLE   3,322 0 38,957
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 735 33,789 SH   SOLE   2,670 0 31,119
JOHNSON & JOHNSON COM 478160104 2,695 17,122 SH   SOLE   779 0 16,343
JPMORGAN CHASE & CO COM 46625H100 2,700 21,250 SH   SOLE   1,260 0 19,990
KINDER MORGAN INC DEL COM 49456B101 493 36,100 SH   SOLE   2,177 0 33,923
MERCK & CO. INC COM 58933Y105 1,634 19,973 SH   SOLE   1,068 0 18,905
MICROSOFT CORP COM 594918104 5,184 23,307 SH   SOLE   1,251 0 22,056
NIKE INC CL B 654106103 1,687 11,926 SH   SOLE   0 0 11,926
NUVEEN CALIFORNIA AMT QLT MU COM 670651108 3,261 206,895 SH   SOLE   18,134 0 188,761
PEPSICO INC COM 713448108 1,979 13,348 SH   SOLE   558 0 12,790
PFIZER INC COM 717081103 540 14,659 SH   SOLE   0 0 14,659
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,002 19,620 SH   SOLE   2,680 0 16,940
PROCTER AND GAMBLE CO COM 742718109 2,521 18,118 SH   SOLE   640 0 17,478
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 849 14,568 SH   SOLE   747 0 13,821
QUALCOMM INC COM 747525103 3,779 24,807 SH   SOLE   1,055 0 23,752
REPUBLIC SVCS INC COM 760759100 983 10,204 SH   SOLE   482 0 9,722
SABRA HEALTH CARE REIT INC COM 78573L106 4,121 237,267 SH   SOLE   0 0 237,267
SCHWAB CHARLES CORP COM 808513105 1,179 22,224 SH   SOLE   936 0 21,288
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,186 79,015 SH   SOLE   3,073 0 75,942
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,156 31,621 SH   SOLE   768 0 30,853
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,282 25,642 SH   SOLE   905 0 24,737
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 714 11,138 SH   SOLE   390 0 10,748
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,899 80,497 SH   SOLE   3,191 0 77,306
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 710 18,858 SH   SOLE   864 0 17,994
SEAGATE TECHNOLOGY PLC SHS G7945M107 1,144 18,408 SH   SOLE   1,093 0 17,315
SOUTHWEST AIRLS CO COM 844741108 722 15,485 SH   SOLE   776 0 14,709
SPDR SER TR NUVEEN BLMBRG SR 78468R739 5,287 106,177 SH   SOLE   3,604 0 102,573
STARBUCKS CORP COM 855244109 1,241 11,605 SH   SOLE   620 0 10,985
TRUIST FINL CORP COM 89832Q109 700 14,598 SH   SOLE   828 0 13,770
UNILEVER PLC SPON ADR NEW 904767704 857 14,194 SH   SOLE   886 0 13,308
WELLS FARGO CO NEW COM 949746101 400 13,261 SH   SOLE   0 0 13,261
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,026 2,052 SH   SOLE   140 0 1,912
ALPHABET INC CAP STK CL C 02079K107 1,107 632 SH   SOLE   90 0 542
ALPHABET INC CAP STK CL A 02079K305 1,674 955 SH   SOLE   38 0 917
AMAZON COM INC COM 023135106 1,234 379 SH   SOLE   48 0 331
AMERICAN EXPRESS CO COM 025816109 628 5,191 SH   SOLE   274 0 4,917
AMERICAN TOWER CORP NEW COM 03027X100 494 2,201 SH   SOLE   25 0 2,176
AMERIPRISE FINL INC COM 03076C106 1,136 5,844 SH   SOLE   211 0 5,633
APARTMENT INCOME REIT CORP COM 03750L109 212 5,532 SH   SOLE   0 0 5,532
APPLIED MATLS INC COM 038222105 224 2,593 SH   SOLE   0 0 2,593
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 466 2,008 SH   SOLE   303 0 1,705
BLACKROCK INC COM 09247X101 1,141 1,581 SH   SOLE   175 0 1,406
BOEING CO COM 097023105 249 1,161 SH   SOLE   200 0 961
BROADCOM INC COM 11135F101 1,288 2,941 SH   SOLE   184 0 2,757
CAPITAL ONE FINL CORP COM 14040H105 793 8,020 SH   SOLE   422 0 7,598
CHEVRON CORP NEW COM 166764100 486 5,757 SH   SOLE   0 0 5,757
CITIGROUP INC COM NEW 172967424 235 3,815 SH   SOLE   0 0 3,815
COLGATE PALMOLIVE CO COM 194162103 542 6,336 SH   SOLE   0 0 6,336
COMMUNITY BK SYS INC COM 203607106 436 7,000 SH   SOLE   0 0 7,000
CORNING INC COM 219350105 210 5,825 SH   SOLE   0 0 5,825
COSTAR GROUP INC COM 22160N109 1,554 1,681 SH   SOLE   92 0 1,589
COSTCO WHSL CORP NEW COM 22160K105 2,856 7,580 SH   SOLE   231 0 7,349
CVS HEALTH CORP COM 126650100 279 4,081 SH   SOLE   0 0 4,081
DEERE & CO COM 244199105 1,004 3,732 SH   SOLE   211 0 3,521
DIGITAL RLTY TR INC COM 253868103 938 6,722 SH   SOLE   669 0 6,053
DTE ENERGY CO COM 233331107 894 7,365 SH   SOLE   487 0 6,878
ECOLAB INC COM 278865100 216 1,000 SH   SOLE   400 0 600
ELECTRONIC ARTS INC COM 285512109 1,199 8,349 SH   SOLE   861 0 7,488
EQUITY LIFESTYLE PPTYS INC COM 29472R108 242 3,814 SH   SOLE   0 0 3,814
FACEBOOK INC CL A 30303M102 1,177 4,310 SH   SOLE   615 0 3,695
FEDEX CORP COM 31428X106 1,035 3,988 SH   SOLE   200 0 3,788
GENERAL DYNAMICS CORP COM 369550108 673 4,520 SH   SOLE   177 0 4,343
GENERAL ELECTRIC CO COM 369604103 138 12,750 SH   SOLE   0 0 12,750
GENUINE PARTS CO COM 372460105 1,001 9,964 SH   SOLE   595 0 9,369
GILEAD SCIENCES INC COM 375558103 218 3,749 SH   SOLE   0 0 3,749
GOLDMAN SACHS GROUP INC COM 38141G104 662 2,509 SH   SOLE   0 0 2,509
HOME DEPOT INC COM 437076102 2,475 9,317 SH   SOLE   900 0 8,417
ILLINOIS TOOL WKS INC COM 452308109 1,170 5,741 SH   SOLE   248 0 5,493
INTERNATIONAL BUSINESS MACHS COM 459200101 283 2,246 SH   SOLE   0 0 2,246
INTUITIVE SURGICAL INC COM NEW 46120E602 1,095 1,338 SH   SOLE   84 0 1,254
ISHARES TR MSCI EMG MKT ETF 464287234 208 4,025 SH   SOLE   0 0 4,025
ISHARES TR MSCI EAFE ETF 464287465 474 6,490 SH   SOLE   0 0 6,490
ISHARES TR CORE S&P SCP ETF 464287804 368 4,000 SH   SOLE   4,000 0 0
ISHARES TR EAFE GRWTH ETF 464288885 404 4,000 SH   SOLE   4,000 0 0
KIMBERLY-CLARK CORP COM 494368103 530 3,934 SH   SOLE   13 0 3,921
KLA CORP COM NEW 482480100 1,430 5,524 SH   SOLE   331 0 5,193
LOCKHEED MARTIN CORP COM 539830109 942 2,653 SH   SOLE   193 0 2,460
LOWES COS INC COM 548661107 1,548 9,645 SH   SOLE   373 0 9,272
MARATHON PETE CORP COM 56585A102 338 8,182 SH   SOLE   0 0 8,182
MCDONALDS CORP COM 580135101 1,131 5,273 SH   SOLE   299 0 4,974
MCKESSON CORP COM 58155Q103 350 2,014 SH   SOLE   0 0 2,014
MERCADOLIBRE INC COM 58733R102 503 300 SH   SOLE   0 0 300
NVIDIA CORPORATION COM 67066G104 238 455 SH   SOLE   315 0 140
ORACLE CORP COM 68389X105 581 8,988 SH   SOLE   0 0 8,988
PARKER-HANNIFIN CORP COM 701094104 217 796 SH   SOLE   0 0 796
PAYCHEX INC COM 704326107 897 9,626 SH   SOLE   489 0 9,137
PAYPAL HLDGS INC COM 70450Y103 394 1,681 SH   SOLE   0 0 1,681
PHILLIPS 66 COM 718546104 210 3,006 SH   SOLE   0 0 3,006
PIMCO ETF TR ACTIVE BD ETF 72201R775 980 8,668 SH   SOLE   636 0 8,032
PIMCO ETF TR INTER MUN BD ACT 72201R866 281 4,951 SH   SOLE   0 0 4,951
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 222 4,310 SH   SOLE   0 0 4,310
PPG INDS INC COM 693506107 901 6,248 SH   SOLE   114 0 6,134
PRICE T ROWE GROUP INC COM 74144T108 249 1,647 SH   SOLE   0 0 1,647
PVH CORPORATION COM 693656100 680 7,246 SH   SOLE   309 0 6,937
RAYTHEON TECHNOLOGIES CORP COM 75513E101 254 3,547 SH   SOLE   0 0 3,547
ROYAL BK CDA COM 780087102 776 9,458 SH   SOLE   522 0 8,936
SIRIUS XM HOLDINGS INC COM 82968B103 82 12,903 SH   SOLE   0 0 12,903
SKYWORKS SOLUTIONS INC COM 83088M102 465 3,041 SH   SOLE   0 0 3,041
SPDR S&P 500 ETF TR TR UNIT 78462F103 763 2,041 SH   SOLE   0 0 2,041
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 626 1,490 SH   SOLE   1,490 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 236 4,500 SH   SOLE   0 0 4,500
SUN CMNTYS INC COM 866674104 234 1,539 SH   SOLE   0 0 1,539
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 301 2,764 SH   SOLE   0 0 2,764
TESLA INC COM 88160R101 836 1,185 SH   SOLE   0 0 1,185
THERMO FISHER SCIENTIFIC INC COM 883556102 402 863 SH   SOLE   0 0 863
UDR INC COM 902653104 367 9,543 SH   SOLE   0 0 9,543
UNITED AIRLS HLDGS INC COM 910047109 225 5,196 SH   SOLE   0 0 5,196
UNITED PARCEL SERVICE INC CL B 911312106 419 2,491 SH   SOLE   610 0 1,881
UNITEDHEALTH GROUP INC COM 91324P102 1,125 3,207 SH   SOLE   190 0 3,017
VISA INC COM CL A 92826C839 1,178 5,386 SH   SOLE   729 0 4,657
WALMART INC COM 931142103 246 1,709 SH   SOLE   0 0 1,709
WENDYS CO COM 95058W100 203 9,243 SH   SOLE   9,243 0 0