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
AMAZON COM INC COM Stock 023135106 372 135 SH   SOLE   135 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 236 1,229 SH   SOLE   1,229 0 0
SPDR S&P 500 ETF ETF 78462F103 426 1,380 SH   SOLE   1,380 0 0
APPLE INC Stock 037833100 632 1,732 SH   SOLE   1,732 0 0
MICROSOFT Stock 594918104 483 2,371 SH   SOLE   2,371 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 256 2,724 SH   SOLE   2,724 0 0
SCHWAB US LARGE CAP GROWTH ETF ETF 808524300 279 2,749 SH   SOLE   2,749 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 337 2,879 SH   SOLE   2,879 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 306 3,217 SH   SOLE   3,217 0 0
VANGUARD CONSUMER DISCRETIONARY ETF 92204A108 658 3,288 SH   SOLE   3,288 0 0
MERCK & CO. INC COM Stock 58933Y105 279 3,602 SH   SOLE   3,602 0 0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 300 3,633 SH   SOLE   3,633 0 0
VANGUARD FINANCIALS ETF ETF 92204A405 243 4,254 SH   SOLE   4,254 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 416 4,310 SH   SOLE   4,310 0 0
VANGUARD TOTAL STK MKT ETF 922908769 803 5,131 SH   SOLE   5,131 0 0
INTEL CORP COM Stock 458140100 317 5,290 SH   SOLE   5,290 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 482 6,508 SH   SOLE   6,508 0 0
AMER STATES WTR CO COM Stock 029899101 593 7,543 SH   SOLE   7,543 0 0
SCHWAB US MID-CAP ETF ETF 808524508 405 7,706 SH   SOLE   7,706 0 0
SCHWAB EMERGING MARKET EQ ETF ETF 808524706 223 9,177 SH   SOLE   9,177 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 260 9,638 SH   SOLE   9,638 0 0
PROSPECT CAP CORP Convertible 74348TAT9 10 10,000 SH   SOLE   10,000 0 0
INVESCO BULLETSHARES 2021 CORPORATE BOND ETF ETF 46138J700 298 13,934 SH   SOLE   13,934 0 0
INVESCO BULLETSHARES 2020 CORPORATE BOND ETF ETF 46138J502 379 17,793 SH   SOLE   17,793 0 0
ISHARES S&P 500 INDEX ETF 464287200 7,030 22,701 SH   SOLE   22,700 0 0
CAPITAL BANCORP INC MD COM Stock 139737100 245 22,886 SH   SOLE   22,886 0 0
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283 686 25,572 SH   SOLE   25,572 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 5,098 26,463 SH   SOLE   26,463 0 0
ISHARES IBONDS DEC 2020 TERM CORPORATE ETF ETF 46434VAQ3 708 27,932 SH   SOLE   27,932 0 0
VANGUARD INDUSTRIALS ETF 92204A603 3,904 30,048 SH   SOLE   30,048 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595 6,112 30,622 SH   SOLE   30,621 0 0
ISHARES IBONDS SEP 2020 TERM MUNI BOND ETF ETF 46434V571 922 36,178 SH   SOLE   36,178 0 0
VANGUARD SMALL CAP ETF ETF 922908751 6,055 41,550 SH   SOLE   41,549 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 4,936 46,165 SH   SOLE   46,165 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 1,259 47,201 SH   SOLE   47,201 0 0
ISHARES IBONDS DEC 2026 TERM MUNI BOND ETF ETF 46435U259 1,394 52,278 SH   SOLE   52,278 0 0
VANGUARD MID CAP GROWTH ETF ETF 922908538 12,417 75,217 SH   SOLE   75,217 0 0
VANGUARD MID CAP ETF 922908629 12,976 79,163 SH   SOLE   79,162 0 0
ISHARES IBONDS DEC 2021 TERM CORPORATE ETF ETF 46434VBK5 1,997 79,392 SH   SOLE   79,392 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1 2,241 83,053 SH   SOLE   83,053 0 0
ISHARES IBONDS DEC 2021 TERM MUNI BOND ETF ETF 46435G789 2,182 84,114 SH   SOLE   84,114 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 3,277 86,747 SH   SOLE   86,747 0 0
ISHARES IBONDS DEC 2025 TERM MUNI BOND ETF ETF 46435U432 2,459 88,211 SH   SOLE   88,211 0 0
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4 2,551 96,767 SH   SOLE   96,767 0 0
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8 2,668 101,717 SH   SOLE   101,717 0 0
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF ETF 46434VBA7 2,614 101,799 SH   SOLE   101,799 0 0
VANGUARD INDEX FDS MID-CAP VALUE INDEX VIPER SHS ETF ETF 922908512 10,199 106,568 SH   SOLE   106,567 0 0
ISHARES IBONDS DEC 2024 TERM MUNI BOND ETF ETF 46435U697 2,955 109,511 SH   SOLE   109,511 0 0
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF ETF 46435G755 2,962 112,102 SH   SOLE   112,102 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 23,937 115,365 SH   SOLE   115,364 0 0
ISHARES IBONDS DEC 2023 TERM MUNI BOND ETF ETF 46435G318 3,125 119,102 SH   SOLE   119,102 0 0
VANGUARD ENERGY ETF 92204A306 6,275 124,760 SH   SOLE   124,760 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 5,949 150,194 SH   SOLE   150,193 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 19,646 181,551 SH   SOLE   181,550 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 12,932 333,383 SH   SOLE   333,383 0 0
VANGUARD SHORT-TERM GOVERNMENT BOND ETF ETF 92206C102 23,671 380,564 SH   SOLE   380,564 0 0