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 Laboratories Common 002824100 1,453 13,373 SH   SOLE   13,373 0 0
AbbVie Inc Com Common 00287Y109 999 6,525 SH   SOLE   6,525 0 0
Amazon Com Inc Common 023135106 553 5,210 SH   SOLE   5,210 0 0
Amgen Common 031162100 862 3,545 SH   SOLE   3,545 0 0
Apple Common 037833100 4,872 35,636 SH   SOLE   35,636 0 0
Applied Materials Common 038222105 576 6,332 SH   SOLE   6,332 0 0
Automatic Data Processing Common 053015103 459 2,186 SH   SOLE   2,186 0 0
Bank of New York Co Common 064058100 383 9,190 SH   SOLE   9,190 0 0
Berkshire Hathaway Inc Del Cl B Class B 084670702 300 1,100 SH   SOLE   1,100 0 0
Caterpillar Common 149123101 1,148 6,421 SH   SOLE   6,421 0 0
Chevron Corp Common 166764100 611 4,220 SH   SOLE   4,220 0 0
Cisco Systems Common 17275R102 669 15,686 SH   SOLE   15,686 0 0
Citigroup Common 172967424 290 6,298 SH   SOLE   6,298 0 0
Costco Wholesale Common 22160K105 383 799 SH   SOLE   799 0 0
Cummins Inc Common 231021106 568 2,934 SH   SOLE   2,934 0 0
CVS Caremark Corp Common 126650100 867 9,352 SH   SOLE   9,352 0 0
Cyber Security ETF Common 26924G201 427 9,330 SH   SOLE   9,330 0 0
Duke Energy Common 26441C105 921 8,593 SH   SOLE   8,593 0 0
Eastman Chemical Common 277432100 422 4,703 SH   SOLE   4,703 0 0
Emerson Electric Common 291011104 401 5,041 SH   SOLE   5,041 0 0
Exxon Mobil Common 30231G102 458 5,350 SH   SOLE   5,350 0 0
General Mills Common 370334104 1,043 13,829 SH   SOLE   13,829 0 0
Goldman Sachs Group Common 38141G104 297 998 SH   SOLE   998 0 0
Google Inc Class C Class C 02079K107 553 253 SH   SOLE   253 0 0
Home Depot Common 437076102 413 1,505 SH   SOLE   1,505 0 0
Honeywell International Common 438516106 1,080 6,213 SH   SOLE   6,213 0 0
Illinois Tool Works Common 452308109 1,047 5,745 SH   SOLE   5,745 0 0
Intel Common 458140100 499 13,342 SH   SOLE   13,342 0 0
International Business Machines Common 459200101 413 2,926 SH   SOLE   2,926 0 0
Invesco Emerging Markets Sovere Common 46138E784 245 13,200 SH   SOLE   13,200 0 0
Invesco Preferred ETF Common 46138E511 387 31,400 SH   SOLE   31,400 0 0
Invesco QQQ Trust Common 46090E103 220 784 SH   SOLE   784 0 0
iShares Dj US Home Const Common 464288752 386 7,355 SH   SOLE   7,355 0 0
iShares Emerging Markets ETF Common 464287234 257 6,415 SH   SOLE   6,415 0 0
iShares Exponential Technology Common 46434V381 525 10,946 SH   SOLE   10,946 0 0
iShares Fallen Angels Common 46435G474 945 38,400 SH   SOLE   38,400 0 0
iShares Russell Micro-Cap ETF Common 464288869 242 2,325 SH   SOLE   2,325 0 0
iShares S&P US Preferred Stock Common 464288687 431 13,100 SH   SOLE   13,100 0 0
Johnson & Johnson Common 478160104 2,124 11,963 SH   SOLE   11,963 0 0
JPMorgan & Co Common 46625H100 346 3,076 SH   SOLE   3,076 0 0
Lowe's Common 548661107 873 5,000 SH   SOLE   5,000 0 0
Mckesson Hboc Inc Common 58155Q103 223 684 SH   SOLE   684 0 0
Medtronic Common G5960L103 297 3,305 SH   SOLE   3,305 0 0
Microsoft Common 594918104 2,240 8,721 SH   SOLE   8,721 0 0
Nextera Energy Common 65339F101 1,720 22,209 SH   SOLE   22,209 0 0
Novo Nordisk A/S ADR Fmly No Common 670100205 2,951 26,480 SH   SOLE   26,480 0 0
Oracle Common 68389X105 1,209 17,300 SH   SOLE   17,300 0 0
Pepsico Common 713448108 2,282 13,693 SH   SOLE   13,693 0 0
Procter & Gamble Common 742718109 1,837 12,775 SH   SOLE   12,775 0 0
Qualcomm Common 747525103 429 3,354 SH   SOLE   3,354 0 0
Robo Global Robotics Common 301505707 207 4,600 SH   SOLE   4,600 0 0
S & P Depository Receipts Common 78462F103 584 1,547 SH   SOLE   1,547 0 0
Santa Cruz Cnty Bank Common 801827106 384 17,908 SH   SOLE   17,908 0 0
Schwab Charles Corp New Common 808513105 1,462 23,141 SH   SOLE   23,141 0 0
Schwab Emg Mkt Eq ETF Common 808524706 481 18,960 SH   SOLE   18,960 0 0
Schwab International Equity ETF Common 808524805 893 28,385 SH   SOLE   28,385 0 0
Schwab US Broad Market ETF Common 808524102 3,518 79,619 SH   SOLE   79,619 0 0
Schwab US Mid-Cap ETF Common 808524508 554 8,830 SH   SOLE   8,830 0 0
Schwab US Small Cap ETF Common 808524607 752 19,287 SH   SOLE   19,287 0 0
SPDR Devlpd Ex-US ETF Common 78463X889 297 10,300 SH   SOLE   10,300 0 0
SPDR Energy Sector ETF Common 81369Y506 713 9,968 SH   SOLE   9,968 0 0
SPDR Financial Select Sector ET Common 81369Y605 242 7,700 SH   SOLE   7,700 0 0
SPDR Health Care Select Sctr ET Common 81369Y209 1,268 9,887 SH   SOLE   9,887 0 0
SPDR High Yield Bond Common 78468R622 674 7,433 SH   SOLE   7,433 0 0
SPDR Materials Common 81369Y100 1,349 18,323 SH   SOLE   18,323 0 0
SPDR S&P Hi Yld Div Aristocrat Common 78464A763 249 2,100 SH   SOLE   2,100 0 0
SPDR Senior Loan ETF Common 78467V608 229 5,500 SH   SOLE   5,500 0 0
SPDR Technology Sector ETF Common 81369Y803 441 3,470 SH   SOLE   3,470 0 0
SPDR Total Stock Mrk Common 78464A805 223 4,800 SH   SOLE   4,800 0 0
SPDR Utilities Select ETF Common 81369Y886 2,048 29,205 SH   SOLE   29,205 0 0
Starbucks Common 855244109 699 9,150 SH   SOLE   9,150 0 0
Stryker Common 863667101 1,608 8,081 SH   SOLE   8,081 0 0
Sysco Corporation Common 871829107 955 11,275 SH   SOLE   11,275 0 0
Travelers Co. Common 89417E109 742 4,388 SH   SOLE   4,388 0 0
Union Pacific Corp Common 907818108 668 3,130 SH   SOLE   3,130 0 0
United Parcel Service Common 911312106 1,055 5,780 SH   SOLE   5,780 0 0
Unitedhealth Group Inc Com Common 91324P102 1,239 2,412 SH   SOLE   2,412 0 0
Vaneck Vectors Fallen Common 92189F437 1,213 44,900 SH   SOLE   44,900 0 0
Vanguard Dividend Appreciation Common 921908844 1,202 8,381 SH   SOLE   8,381 0 0
Vanguard Emerging Markets ETF Common 922042858 1,219 29,263 SH   SOLE   29,263 0 0
Vanguard FTSE All-World Ex-U Common 922042775 1,351 27,042 SH   SOLE   27,042 0 0
Vanguard FTSE Developed Mkt E Common 921943858 208 5,100 SH   SOLE   5,100 0 0
Vanguard Health Care ETF Common 92204A504 236 1,000 SH   SOLE   1,000 0 0
Vanguard Index Growth ETF Common 922908736 1,708 7,665 SH   SOLE   7,665 0 0
Vanguard Index Mid-Cap Growth Common 922908538 210 1,200 SH   SOLE   1,200 0 0
Vanguard Index Small Cap ETF Common 922908751 3,357 19,064 SH   SOLE   19,064 0 0
Vanguard Mid Cap Index ETF Common 922908629 2,581 13,104 SH   SOLE   13,104 0 0
Vanguard REIT ETF Common 922908553 492 5,400 SH   SOLE   5,400 0 0
Vanguard Total Stock Mkt ETF Common 922908769 5,435 28,813 SH   SOLE   28,813 0 0
Vanguard Total World Common 922042742 397 4,650 SH   SOLE   4,650 0 0
Vanguard Value ETF Common 922908744 2,027 15,372 SH   SOLE   15,372 0 0
Verizon Common 92343V104 868 17,096 SH   SOLE   17,096 0 0
Wal Mart Stores Common 931142103 848 6,972 SH   SOLE   6,972 0 0
Wells Fargo & Co Common 949746101 543 13,875 SH   SOLE   13,875 0 0
Western Asset High Incm Common 42967Q105 264 66,600 SH   SOLE   66,600 0 0
Wisdomtr Small Cap Earnings ET Common 97717W562 222 5,400 SH   SOLE   5,400 0 0