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
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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
PROSPECT CAP CORP 6.375 03/01/2025 Convertible 74348TAT9 10 10,000 SH   SOLE   10,000 0 0
VERIZON COMMUNICATIONS Stock 92343V104 210 3,533 SH   SOLE   3,533 0 0
VANGUARD GROWTH INDEX FUND ETF 922908736 213 934 SH   SOLE   934 0 0
SCHWAB EMERGING MARKET EQ ETF ETF 808524706 214 8,012 SH   SOLE   8,012 0 0
CAPITAL BANCORP INC MD COM Stock 139737100 217 22,886 SH   SOLE   22,886 0 0
VANGUARD CONSUMER STAPLES INDEX FUND ETF 92204A207 218 1,335 SH   SOLE   1,335 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 262 2,724 SH   SOLE   2,724 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 267 1,229 SH   SOLE   1,229 0 0
INTEL CORP COM Stock 458140100 277 5,346 SH   SOLE   5,346 0 0
INVESCO BULLETSHARES 2021 CORPORATE BOND ETF ETF 46138J700 296 13,869 SH   SOLE   13,869 0 0
MERCK & CO. INC COM Stock 58933Y105 302 3,635 SH   SOLE   3,635 0 0
SCHWAB US LARGE CAP GROWTH ETF ETF 808524300 308 2,671 SH   SOLE   2,671 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF 92204A884 311 3,055 SH   SOLE   3,055 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 363 3,792 SH   SOLE   3,792 0 0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 365 4,401 SH   SOLE   4,401 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 370 2,879 SH   SOLE   2,879 0 0
INVESCO BULLETSHARES 2020 CORPORATE BOND ETF ETF 46138J502 376 17,713 SH   SOLE   17,713 0 0
SCHWAB US MID-CAP ETF ETF 808524508 401 7,225 SH   SOLE   7,225 0 0
AMAZON COM INC COM Stock 023135106 406 129 SH   SOLE   129 0 0
SPDR S&P 500 ETF ETF 78462F103 462 1,380 SH   SOLE   1,380 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 484 4,597 SH   SOLE   4,596 0 0
MICROSOFT Stock 594918104 499 2,371 SH   SOLE   2,371 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 520 6,454 SH   SOLE   6,454 0 0
AMER STATES WTR CO COM Stock 029899101 565 7,543 SH   SOLE   7,543 0 0
VANGUARD FINANCIALS ETF ETF 92204A405 602 10,299 SH   SOLE   10,299 0 0
VANGUARD INFORMATION TECHNOLOGY ETF 92204A702 648 2,080 SH   SOLE   2,080 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 693 25,531 SH   SOLE   25,531 0 0
ISHARES IBONDS DEC 2020 TERM CORPORATE ETF ETF 46434VAQ3 696 27,602 SH   SOLE   27,602 0 0
APPLE INC Stock 037833100 831 7,173 SH   SOLE   7,173 0 0
VANGUARD TOTAL STK MKT ETF 922908769 878 5,156 SH   SOLE   5,156 0 0
VANGUARD CONSUMER DISCRETIONARY ETF 92204A108 1,003 4,275 SH   SOLE   4,275 0 0
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283 1,454 53,726 SH   SOLE   53,726 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 1,663 62,015 SH   SOLE   62,015 0 0
ISHARES IBONDS DEC 2021 TERM CORPORATE ETF ETF 46434VBK5 1,939 77,388 SH   SOLE   77,388 0 0
ISHARES IBONDS DEC 2021 TERM MUNI BOND ETF ETF 46435G789 2,006 77,406 SH   SOLE   77,406 0 0
ISHARES IBONDS DEC 2026 TERM MUNI BOND ETF ETF 46435U259 2,276 84,540 SH   SOLE   84,540 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1 2,495 91,948 SH   SOLE   91,948 0 0
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4 2,806 106,107 SH   SOLE   106,107 0 0
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF ETF 46434VBA7 2,830 110,425 SH   SOLE   110,425 0 0
ISHARES IBONDS DEC 2025 TERM MUNI BOND ETF ETF 46435U432 2,883 102,587 SH   SOLE   102,587 0 0
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8 2,893 110,286 SH   SOLE   110,286 0 0
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF ETF 46435G755 3,133 118,220 SH   SOLE   118,220 0 0
ISHARES IBONDS DEC 2024 TERM MUNI BOND ETF ETF 46435U697 3,296 121,639 SH   SOLE   121,639 0 0
ISHARES IBONDS DEC 2023 TERM MUNI BOND ETF ETF 46435G318 3,326 126,548 SH   SOLE   126,548 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 3,547 86,753 SH   SOLE   86,753 0 0
VANGUARD INDUSTRIALS ETF 92204A603 4,850 33,498 SH   SOLE   33,498 0 0
VANGUARD ENERGY ETF 92204A306 5,007 124,203 SH   SOLE   124,203 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 5,608 50,696 SH   SOLE   50,696 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 5,893 28,888 SH   SOLE   28,888 0 0
VANGUARD SMALL CAP ETF ETF 922908751 6,723 43,713 SH   SOLE   43,712 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595 6,788 31,583 SH   SOLE   31,582 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 6,844 158,271 SH   SOLE   158,270 0 0
ISHARES S&P 500 INDEX ETF 464287200 8,045 23,941 SH   SOLE   23,940 0 0
VANGUARD INDEX FDS MID-CAP VALUE INDEX VIPER SHS ETF ETF 922908512 11,531 113,747 SH   SOLE   113,746 0 0
VANGUARD MID CAP GROWTH ETF ETF 922908538 13,879 77,044 SH   SOLE   77,044 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 14,474 353,895 SH   SOLE   353,894 0 0
VANGUARD MID CAP ETF 922908629 14,481 82,156 SH   SOLE   82,155 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 21,479 191,012 SH   SOLE   191,012 0 0
VANGUARD SHORT-TERM GOVERNMENT BOND ETF ETF 92206C102 24,219 390,064 SH   SOLE   390,064 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 26,896 116,391 SH   SOLE   116,390 0 0