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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Laboratories Common 002824100   1,345,704 11,840 SH   SOLE   11,840 0 0
AbbVie Inc Com Common 00287Y109   1,117,735 6,138 SH   SOLE   6,138 0 0
Amazon Com Inc Common 023135106   1,139,100 6,315 SH   SOLE   6,315 0 0
Amgen Common 031162100   904,991 3,183 SH   SOLE   3,183 0 0
Apple Common 037833100   6,339,121 36,967 SH   SOLE   36,967 0 0
Applied Materials Common 038222105   1,559,919 7,564 SH   SOLE   7,564 0 0
Automatic Data Processing Common 053015103   533,445 2,136 SH   SOLE   2,136 0 0
Bank of New York Co Common 064058100   270,238 4,690 SH   SOLE   4,690 0 0
Berkshire Hathaway Inc Del Cl Class B 084670702   494,952 1,177 SH   SOLE   1,177 0 0
Caterpillar Common 149123101   2,303,842 6,287 SH   SOLE   6,287 0 0
Chevron Corp Common 166764100   572,424 3,629 SH   SOLE   3,629 0 0
Cisco Systems Common 17275R102   799,209 16,013 SH   SOLE   16,013 0 0
Costco Wholesale Common 22160K105   794,904 1,085 SH   SOLE   1,085 0 0
Cummins Inc Common 231021106   827,338 2,808 SH   SOLE   2,808 0 0
CVS Caremark Corp Common 126650100   706,034 8,852 SH   SOLE   8,852 0 0
Cyber Security ETF Common 26924G201   445,244 6,945 SH   SOLE   6,945 0 0
Duke Energy Common 26441C105   653,566 6,758 SH   SOLE   6,758 0 0
Eastman Chemical Common 277432100   461,296 4,603 SH   SOLE   4,603 0 0
Eli Lilly & Company Common 532457108   293,646 377 SH   SOLE   377 0 0
Emerson Electric Common 291011104   547,138 4,824 SH   SOLE   4,824 0 0
Exxon Mobil Common 30231G102   577,132 4,965 SH   SOLE   4,965 0 0
Facebook Inc Class A Common 30303M102   320,507 660 SH   SOLE   660 0 0
General Mills Common 370334104   891,198 12,737 SH   SOLE   12,737 0 0
Genuine Parts Common 372460105   201,409 1,300 SH   SOLE   1,300 0 0
Goldman Sachs Group Common 38141G104   426,829 1,022 SH   SOLE   1,022 0 0
Google Inc Class C Class C 02079K107   767,086 5,038 SH   SOLE   5,038 0 0
Home Depot Common 437076102   596,509 1,555 SH   SOLE   1,555 0 0
Honeywell International Common 438516106   1,188,192 5,789 SH   SOLE   5,789 0 0
Illinois Tool Works Common 452308109   1,609,980 6,000 SH   SOLE   6,000 0 0
Intel Common 458140100   439,917 9,960 SH   SOLE   9,960 0 0
International Business Machine Common 459200101   487,375 2,552 SH   SOLE   2,552 0 0
Invesco Preferred ETF Common 46138E511   299,376 25,200 SH   SOLE   25,200 0 0
Invesco QQQ Trust Common 46090E103   719,813 1,621 SH   SOLE   1,621 0 0
iShares Broad High Yield Common 46435U853   307,356 8,400 SH   SOLE   8,400 0 0
iShares Dj US Home Const Common 464288752   712,449 6,154 SH   SOLE   6,154 0 0
iShares Emerging Markets ETF Common 464287234   247,302 6,020 SH   SOLE   6,020 0 0
iShares Exponential Technology Common 46434V381   573,603 9,621 SH   SOLE   9,621 0 0
iShares Fallen Angels Common 46435G474   872,950 32,500 SH   SOLE   32,500 0 0
iShares Russell Micro-Cap ETF Common 464288869   209,053 1,725 SH   SOLE   1,725 0 0
iShares S&P US Preferred Stock Common 464288687   341,638 10,600 SH   SOLE   10,600 0 0
iShars Kld 400 Social Idx Common 464288570   282,268 2,800 SH   SOLE   2,800 0 0
Johnson & Johnson Common 478160104   1,831,902 11,580 SH   SOLE   11,580 0 0
JPMorgan & Co Common 46625H100   468,812 2,341 SH   SOLE   2,341 0 0
Lowe's Common 548661107   1,268,648 4,980 SH   SOLE   4,980 0 0
Mckesson Hboc Inc Common 58155Q103   426,080 794 SH   SOLE   794 0 0
Medtronic Common G5960L103   253,781 2,912 SH   SOLE   2,912 0 0
Microsoft Common 594918104   3,657,512 8,693 SH   SOLE   8,693 0 0
Morningstar Wide Moat Common 57060U134   224,750 2,500 SH   SOLE   2,500 0 0
Nextera Energy Common 65339F101   1,206,379 18,876 SH   SOLE   18,876 0 0
Novo Nordisk A/S ADR Fmly Novo Common 670100205   6,952,988 54,151 SH   SOLE   54,151 0 0
Nucor Corp Common 670346105   277,060 1,400 SH   SOLE   1,400 0 0
Oracle Common 68389X105   2,039,906 16,240 SH   SOLE   16,240 0 0
Pepsico Common 713448108   2,237,087 12,783 SH   SOLE   12,783 0 0
Procter & Gamble Common 742718109   1,969,466 12,138 SH   SOLE   12,138 0 0
Qualcomm Common 747525103   893,858 5,280 SH   SOLE   5,280 0 0
Robo Global Robotics Common 301505707   247,754 4,225 SH   SOLE   4,225 0 0
S & P Depository Receipts Common 78462F103   977,500 1,869 SH   SOLE   1,869 0 0
Salesforce Com Common 79466L302   399,064 1,325 SH   SOLE   1,325 0 0
Santa Cruz Cnty Bank Common 801827106   403,280 14,408 SH   SOLE   14,408 0 0
Schwab Charles Corp New Common 808513105   1,584,614 21,905 SH   SOLE   21,905 0 0
Schwab Emg Mkt Eq ETF Common 808524706   489,436 19,384 SH   SOLE   19,384 0 0
Schwab International Equity ET Common 808524805   1,213,898 31,110 SH   SOLE   31,110 0 0
Schwab Int'l Small Cap Common 808524888   277,450 7,750 SH   SOLE   7,750 0 0
Schwab US Broad Market ETF Common 808524102   5,421,476 88,804 SH   SOLE   88,804 0 0
Schwab US Mid-Cap ETF Common 808524508   759,742 9,330 SH   SOLE   9,330 0 0
Schwab US Small Cap ETF Common 808524607   1,089,469 22,126 SH   SOLE   22,126 0 0
Sensory Science Common 92204A108   469,923 1,479 SH   SOLE   1,479 0 0
SPDR Energy Sector ETF Common 81369Y506   1,156,538 12,250 SH   SOLE   12,250 0 0
SPDR Financial Select Sector E Common 81369Y605   273,780 6,500 SH   SOLE   6,500 0 0
SPDR Health Care Select Sctr E Common 81369Y209   1,849,580 12,520 SH   SOLE   12,520 0 0
SPDR High Yield Bond Common 78468R622   395,080 4,150 SH   SOLE   4,150 0 0
SPDR Materials Common 81369Y100   1,543,646 16,618 SH   SOLE   16,618 0 0
SPDR S&P Hi Yld Div Aristocrat Common 78464A763   275,604 2,100 SH   SOLE   2,100 0 0
SPDR Technology Sector ETF Common 81369Y803   951,604 4,569 SH   SOLE   4,569 0 0
SPDR Total Stock Mrk Common 78464A805   307,920 4,800 SH   SOLE   4,800 0 0
SPDR Utilities Select ETF Common 81369Y886   2,062,593 31,418 SH   SOLE   31,418 0 0
SPDR(r) Portfolio S&P 500 ETF Common 78464A854   363,027 5,900 SH   SOLE   5,900 0 0
Starbucks Common 855244109   783,578 8,574 SH   SOLE   8,574 0 0
Stryker Common 863667101   3,063,725 8,561 SH   SOLE   8,561 0 0
Sysco Corporation Common 871829107   762,280 9,390 SH   SOLE   9,390 0 0
Toyota Motor Common 892331307   201,847 802 SH   SOLE   802 0 0
Travelers Co. Common 89417E109   779,714 3,388 SH   SOLE   3,388 0 0
Union Pacific Corp Common 907818108   821,036 3,338 SH   SOLE   3,338 0 0
United Parcel Service Common 911312106   745,528 5,016 SH   SOLE   5,016 0 0
United Rentals Inc Common 911363109   390,356 541 SH   SOLE   541 0 0
Unitedhealth Group Inc Com Common 91324P102   1,325,391 2,679 SH   SOLE   2,679 0 0
Vaneck Vectors Fallen Common 92189F437   1,047,622 36,100 SH   SOLE   36,100 0 0
Vanguard Consumer Staples ETF Common 92204A207   596,701 2,923 SH   SOLE   2,923 0 0
Vanguard Dividend Appreciation Common 921908844   2,390,356 13,090 SH   SOLE   13,090 0 0
Vanguard Emerging Markets ETF Common 922042858   1,182,358 28,306 SH   SOLE   28,306 0 0
Vanguard Energy ETF Common 92204A306   217,305 1,650 SH   SOLE   1,650 0 0
Vanguard Financials ETF Common 92204A405   217,579 2,125 SH   SOLE   2,125 0 0
Vanguard FTSE All-World Ex-US Common 922042775   3,251,414 55,438 SH   SOLE   55,438 0 0
Vanguard FTSE Developed Mkt ET Common 921943858   541,836 10,800 SH   SOLE   10,800 0 0
Vanguard Health Care ETF Common 92204A504   270,520 1,000 SH   SOLE   1,000 0 0
Vanguard Index Growth ETF Common 922908736   2,683,656 7,797 SH   SOLE   7,797 0 0
Vanguard Index Mid-Cap Growth Common 922908538   282,948 1,200 SH   SOLE   1,200 0 0
Vanguard Index Small Cap ETF Common 922908751   4,471,768 19,562 SH   SOLE   19,562 0 0
Vanguard Information Technolog Common 92204A702   720,968 1,375 SH   SOLE   1,375 0 0
Vanguard Mid Cap Index ETF Common 922908629   3,626,937 14,516 SH   SOLE   14,516 0 0
Vanguard REIT ETF Common 922908553   415,104 4,800 SH   SOLE   4,800 0 0
Vanguard Small Cap Value Common 922908611   368,601 1,921 SH   SOLE   1,921 0 0
Vanguard Total Stock Mkt ETF Common 922908769   9,201,448 35,404 SH   SOLE   35,404 0 0
Vanguard Total World Common 922042742   765,765 6,930 SH   SOLE   6,930 0 0
Vanguard Value ETF Common 922908744   2,505,873 15,387 SH   SOLE   15,387 0 0
Verizon Common 92343V104   473,393 11,282 SH   SOLE   11,282 0 0
Wal Mart Stores Common 931142103   1,237,607 20,569 SH   SOLE   20,569 0 0
Wells Fargo & Co Common 949746101   751,857 12,972 SH   SOLE   12,972 0 0
Western Asset High Incm Common 95766K109   157,950 40,500 SH   SOLE   40,500 0 0
Wisdomtr Small Cap Earnings ET Common 97717W562   270,648 5,400 SH   SOLE   5,400 0 0