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
DESIGNER BRANDS INC CL A Stock 250565108 91 12,000 SH   SOLE   12,000 0 0
VERIZON COMMUNICATIONS Stock 92343V104 208 3,549 SH   SOLE   3,549 0 0
SCHWAB ETFS- US SMALL-CAP ETF ETF 808524607 224 2,518 SH   SOLE   2,518 0 0
ISHARES S&P MIDCAP FUND ETF 464287507 230 1,003 SH   SOLE   1,003 0 0
VANGUARD GROWTH INDEX FUND ETF 922908736 236 934 SH   SOLE   934 0 0
SCHWAB EMERGING MARKET EQ ETF ETF 808524706 241 7,887 SH   SOLE   7,887 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 253 2,609 SH   SOLE   2,609 0 0
VANGUARD CONSUMER STAPLES INDEX FUND ETF 92204A207 260 1,500 SH   SOLE   1,500 0 0
INTEL CORP COM Stock 458140100 266 5,346 SH   SOLE   5,346 0 0
INVESCO BULLETSHARES 2021 CORPORATE BOND ETF ETF 46138J700 281 13,261 SH   SOLE   13,261 0 0
MERCK & CO. INC COM Stock 58933Y105 286 3,508 SH   SOLE   3,508 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 296 1,229 SH   SOLE   1,229 0 0
SCHWAB US LARGE CAP GROWTH ETF ETF 808524300 328 2,558 SH   SOLE   2,558 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 333 2,628 SH   SOLE   2,628 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 406 2,879 SH   SOLE   2,879 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF 92204A884 409 3,409 SH   SOLE   3,409 0 0
AMAZON COM INC COM Stock 023135106 420 129 SH   SOLE   129 0 0
SCHWAB US MID-CAP ETF ETF 808524508 467 6,857 SH   SOLE   6,857 0 0
SPDR S&P 500 ETF ETF 78462F103 515 1,380 SH   SOLE   1,380 0 0
MICROSOFT Stock 594918104 516 2,322 SH   SOLE   2,322 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 572 4,701 SH   SOLE   4,701 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 581 6,395 SH   SOLE   6,395 0 0
AMER STATES WTR CO COM Stock 029899101 599 7,543 SH   SOLE   7,543 0 0
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325 639 23,183 SH   SOLE   23,183 0 0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 705 8,479 SH   SOLE   8,479 0 0
VANGUARD FINANCIALS ETF ETF 92204A405 801 10,999 SH   SOLE   10,999 0 0
VANGUARD INFORMATION TECHNOLOGY ETF 92204A702 816 2,308 SH   SOLE   2,308 0 0
VANGUARD TOTAL STK MKT ETF 922908769 951 4,891 SH   SOLE   4,891 0 0
ISHARES IBONDS DEC 2028 TERM CORPORATE ETF ETF 46435U515 998 33,796 SH   SOLE   33,796 0 0
APPLE INC Stock 037833100 1,063 8,012 SH   SOLE   8,012 0 0
ISHARES IBONDS DEC 2027 TERM CORPORATE ETF ETF 46435UAA9 1,648 59,782 SH   SOLE   59,782 0 0
ISHARES IBONDS DEC 2021 TERM MUNI BOND ETF ETF 46435G789 1,748 67,850 SH   SOLE   67,850 0 0
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283 1,833 67,124 SH   SOLE   67,124 0 0
ISHARES IBONDS DEC 2021 TERM CORPORATE ETF ETF 46434VBK5 1,880 75,495 SH   SOLE   75,495 0 0
ISHARES IBONDS DEC 2026 TERM MUNI BOND ETF ETF 46435U259 2,701 99,744 SH   SOLE   99,744 0 0
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF ETF 46435GAA0 2,814 103,858 SH   SOLE   103,858 0 0
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF ETF 46434VBA7 2,992 117,021 SH   SOLE   117,021 0 0
ISHARES IBONDS DEC 2022 TERM MUNI BOND ETF ETF 46435G755 3,021 114,612 SH   SOLE   114,612 0 0
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF ETF 46434VBD1 3,088 112,853 SH   SOLE   112,853 0 0
ISHARES IBONDS DEC 2025 TERM MUNI BOND ETF ETF 46435U432 3,153 111,928 SH   SOLE   111,928 0 0
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF ETF 46434VAX8 3,274 124,640 SH   SOLE   124,640 0 0
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF ETF 46434VBG4 3,283 123,544 SH   SOLE   123,544 0 0
ISHARES IBONDS DEC 2024 TERM MUNI BOND ETF ETF 46435U697 3,503 129,330 SH   SOLE   129,330 0 0
ISHARES IBONDS DEC 2023 TERM MUNI BOND ETF ETF 46435G318 3,524 134,596 SH   SOLE   134,596 0 0
VANGUARD CONSUMER DISCRETIONARY ETF 92204A108 3,726 13,541 SH   SOLE   13,541 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 4,111 89,214 SH   SOLE   89,214 0 0
VANGUARD INDUSTRIALS ETF 92204A603 4,275 25,152 SH   SOLE   25,152 0 0
VANGUARD ENERGY ETF 92204A306 4,830 93,154 SH   SOLE   93,154 0 0
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 4,855 21,702 SH   SOLE   21,702 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 7,472 52,548 SH   SOLE   52,548 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 8,251 164,675 SH   SOLE   164,675 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595 8,404 31,400 SH   SOLE   31,400 0 0
VANGUARD SMALL CAP ETF ETF 922908751 8,489 43,609 SH   SOLE   43,609 0 0
ISHARES S&P 500 INDEX ETF 464287200 9,639 25,678 SH   SOLE   25,678 0 0
VANGUARD INDEX FDS MID-CAP VALUE INDEX VIPER SHS ETF ETF 922908512 13,991 117,614 SH   SOLE   117,614 0 0
VANGUARD MID CAP GROWTH ETF ETF 922908538 16,249 76,622 SH   SOLE   76,622 0 0
VANGUARD MID CAP ETF 922908629 16,914 81,801 SH   SOLE   81,801 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 17,220 364,765 SH   SOLE   364,765 0 0
VANGUARD SHORT-TERM GOVERNMENT BOND ETF ETF 92206C102 23,804 386,435 SH   SOLE   386,435 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 27,066 211,425 SH   SOLE   211,425 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 30,107 471,757 SH   SOLE   471,757 0 0