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
ALPHABET INC CAP STK CL A 02079K305 217 80 SH   SOLE   0 0 80
ALPHABET INC CAP STK CL C 02079K107 418 153 SH   SOLE   0 0 153
AMAZON COM INC COM 023135106 474 148 SH   SOLE   0 0 148
AMGEN INC COM 031162100 249 1,096 SH   SOLE   0 0 1,096
APPLE INC COM 037833100 6,386 43,635 SH   SOLE   0 0 43,635
ARK ETF TR INNOVATION ETF 00214Q104 330 2,853 SH   SOLE   0 0 2,853
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,109 7,365 SH   SOLE   0 0 7,365
BOEING CO COM 097023105 205 934 SH   SOLE   0 0 934
CHASE CORP COM 16150R104 460 4,055 SH   SOLE   0 0 4,055
COCA COLA CO COM 191216100 405 7,161 SH   SOLE   0 0 7,161
DISNEY WALT CO COM 254687106 294 1,682 SH   SOLE   0 0 1,682
ECOLAB INC COM 278865100 219 1,000 SH   SOLE   0 0 1,000
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289 4,659 124,929 SH   SOLE   0 0 124,929
FACEBOOK INC CL A 30303M102 675 1,898 SH   SOLE   0 0 1,898
HOME DEPOT INC COM 437076102 443 1,377 SH   SOLE   0 0 1,377
HONEYWELL INTL INC COM 438516106 554 2,426 SH   SOLE   0 0 2,426
HP INC COM 40434L105 248 8,784 SH   SOLE   0 0 8,784
INTEL CORP COM 458140100 2,471 47,345 SH   SOLE   0 0 47,345
INTERNATIONAL BUSINESS MACHS COM 459200101 210 1,509 SH   SOLE   0 0 1,509
INTUIT COM 461202103 386 725 SH   SOLE   0 0 725
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 38,465 761,977 SH   SOLE   0 0 761,977
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 5,232 269,694 SH   SOLE   0 0 269,694
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 417 14,857 SH   SOLE   0 0 14,857
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 13,263 86,908 SH   SOLE   0 0 86,908
ISHARES TR 0-5 YR TIPS ETF 46429B747 4,357 41,084 SH   SOLE   0 0 41,084
ISHARES TR 0-5YR HI YL CP 46434V407 5,941 130,601 SH   SOLE   0 0 130,601
ISHARES TR CORE S&P MCP ETF 464287507 1,371 5,149 SH   SOLE   0 0 5,149
ISHARES TR CORE S&P SCP ETF 464287804 1,123 10,404 SH   SOLE   0 0 10,404
ISHARES TR CORE S&P TTL STK 464287150 57,150 569,511 SH   SOLE   0 0 569,511
ISHARES TR CORE S&P500 ETF 464287200 723 1,638 SH   SOLE   0 0 1,638
ISHARES TR FLTG RATE NT ETF 46429B655 2,575 50,737 SH   SOLE   0 0 50,737
ISHARES TR IBOXX INV CP ETF 464287242 529 3,926 SH   SOLE   0 0 3,926
ISHARES TR MSCI USA MIN VOL 46429B697 378 4,929 SH   SOLE   0 0 4,929
ISHARES TR MSCI USA QLT FCT 46432F339 2,262 16,436 SH   SOLE   0 0 16,436
ISHARES TR NATIONAL MUN ETF 464288414 591 5,041 SH   SOLE   0 0 5,041
ISHARES TR RUS 1000 VAL ETF 464287598 11,205 69,759 SH   SOLE   0 0 69,759
ISHARES TR SHORT TREAS BD 464288679 1,158 10,483 SH   SOLE   0 0 10,483
ISHARES TR SHRT NAT MUN ETF 464288158 574 5,325 SH   SOLE   0 0 5,325
ISHARES TR TIPS BD ETF 464287176 234 1,809 SH   SOLE   0 0 1,809
ISHARES TR US TREAS BD ETF 46429B267 19,377 722,083 SH   SOLE   0 0 722,083
JOHNSON & JOHNSON COM 478160104 1,130 6,379 SH   SOLE   0 0 6,379
KLA CORP COM NEW 482480100 213 670 SH   SOLE   0 0 670
KROGER CO COM 501044101 392 8,483 SH   SOLE   0 0 8,483
MCDONALDS CORP COM 580135101 373 1,568 SH   SOLE   0 0 1,568
MERCK & CO INC COM 58933Y105 339 4,355 SH   SOLE   0 0 4,355
MICROSOFT CORP COM 594918104 1,837 6,319 SH   SOLE   0 0 6,319
NIKE INC CL B 654106103 1,090 6,456 SH   SOLE   0 0 6,456
NORFOLK SOUTHN CORP COM 655844108 259 978 SH   SOLE   0 0 978
NUCOR CORP COM 670346105 445 3,687 SH   SOLE   0 0 3,687
ORACLE CORP COM 68389X105 284 3,198 SH   SOLE   0 0 3,198
PFIZER INC COM 717081103 616 12,499 SH   SOLE   0 0 12,499
PIMCO ETF TR ACTIVE BD ETF 72201R775 721 6,465 SH   SOLE   0 0 6,465
PROCTER AND GAMBLE CO COM 742718109 425 2,967 SH   SOLE   0 0 2,967
REALTY INCOME CORP COM 756109104 406 5,655 SH   SOLE   0 0 5,655
RIVERVIEW BANCORP INC COM 769397100 297 39,904 SH   SOLE   0 0 39,904
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,406 178,527 SH   SOLE   0 0 178,527
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,558 64,521 SH   SOLE   0 0 64,521
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 11,812 358,036 SH   SOLE   0 0 358,036
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 24,853 70,984 SH   SOLE   0 0 70,984
SPDR GOLD TR GOLD SHS 78463V107 1,794 10,736 SH   SOLE   0 0 10,736
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 28,922 596,820 SH   SOLE   0 0 596,820
STARBUCKS CORP COM 855244109 468 4,045 SH   SOLE   0 0 4,045
TAYLOR DEVICES INC COM 877163105 229 20,000 SH   SOLE   0 0 20,000
TESLA INC COM 88160R101 494 717 SH   SOLE   0 0 717
TORO CO COM 891092108 202 1,814 SH   SOLE   0 0 1,814
US BANCORP DEL COM NEW 902973304 365 6,513 SH   SOLE   0 0 6,513
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 243 7,940 SH   SOLE   0 0 7,940
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 263 4,540 SH   SOLE   0 0 4,540
VANGUARD INDEX FDS SMALL CP ETF 922908751 10,917 50,264 SH   SOLE   0 0 50,264
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,332 206,155 SH   SOLE   0 0 206,155
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 11,618 221,766 SH   SOLE   0 0 221,766
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 482 7,057 SH   SOLE   0 0 7,057
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 624 11,680 SH   SOLE   0 0 11,680
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,205 26,206 SH   SOLE   0 0 26,206
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 16,400 316,417 SH   SOLE   0 0 316,417
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 998 9,375 SH   SOLE   0 0 9,375
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 4,219 47,170 SH   SOLE   0 0 47,170
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 515 7,579 SH   SOLE   0 0 7,579
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 206 2,019 SH   SOLE   0 0 2,019
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 9,986 38,563 SH   SOLE   0 0 38,563
VSE CORP COM 918284100 329 7,000 SH   SOLE   0 0 7,000
WEYERHAEUSER CO MTN BE COM NEW 962166104 367 10,857 SH   SOLE   0 0 10,857