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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Aberdeen Standard Phys PalladiumShrs ETF Equity 003262102 10,450 50,025 SH   SOLE   0 0 50,025
American Water Works Co Equity 030420103 10,846 65,525 SH   SOLE   0 0 65,525
Apple Computer Inc Equity 037833100 14,900 85,335 SH   SOLE   0 0 85,335
1/100 Berkshire Htwy A Equity 084990175 2,116 400 SH   SOLE   0 0 400
CSW Industrials Inc COM 126402106 335 2,847 SH   SOLE   0 0 2,847
CVS Corp COM 126650100 355 3,507 SH   SOLE   0 0 3,507
Camden Natl Corp COM 133034108 331 7,039 SH   SOLE   0 0 7,039
Caterpillar Inc COM 149123101 313 1,403 SH   SOLE   0 0 1,403
Chevron Corporation COM 166764100 558 3,426 SH   SOLE   0 0 3,426
Citigroup Inc COM NEW 172967424 261 4,895 SH   SOLE   0 0 4,895
Coca-Cola Company COM 191216100 448 7,223 SH   SOLE   0 0 7,223
Colgate-Palmolive Company COM 194162103 401 5,286 SH   SOLE   0 0 5,286
Consolidated Edison Inc COM 209115104 291 3,078 SH   SOLE   0 0 3,078
Xtrackers MSCI USA ESG Leaders Eq ETF XTRCKR MSCI US 233051150 400 9,602 SH   SOLE   0 0 9,602
Deere & Co COM 244199105 595 1,432 SH   SOLE   0 0 1,432
Digital Realty Trust Inc COM 253868103 332 2,342 SH   SOLE   0 0 2,342
Disney Walt Company COM 254687106 571 4,167 SH   SOLE   0 0 4,167
Fidelity MSCI Utilities ETF MSCI UTILS INDEX 316092865 205 4,287 SH   SOLE   0 0 4,287
Genl Dynamics Corp Com COM 369550108 491 2,036 SH   SOLE   0 0 2,036
General Mills Inc COM 370334104 299 4,408 SH   SOLE   0 0 4,408
Home Depot Inc COM 437076102 739 2,470 SH   SOLE   0 0 2,470
Honeywell Intl Inc COM 438516106 311 1,599 SH   SOLE   0 0 1,599
International Business Machine Corp COM 459200101 538 4,137 SH   SOLE   0 0 4,137
iShares Core S&P Total US Stock Market ETF CORE S&P TTL STK 464287150 527 5,218 SH   SOLE   0 0 5,218
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 1,610 3,549 SH   SOLE   0 0 3,549
iShares iBoxx Investment Grade Corp Bond Equity 464287242 9,416 77,859 SH   SOLE   0 0 77,859
iShares S&P 500 Growth S&P 500 GRWT ETF 464287309 587 7,683 SH   SOLE   0 0 7,683
iShares Lehman 20 Year Treas Bond Equity 464287432 46,994 355,799 SH   SOLE   0 0 355,799
iShares S&P Midcap CORE S&P MCP ETF 464287507 1,173 4,372 SH   SOLE   0 0 4,372
iShares S&P North Amer Tech-Semicondctrs Equity 464287523 12,150 25,673 SH   SOLE   0 0 25,673
iShares Russell 3000 RUSSELL 3000 ETF 464287689 761 2,902 SH   SOLE   0 0 2,902
Kimberly-Clark Corp COM 494368103 474 3,846 SH   SOLE   0 0 3,846
Kirby Corporation COM 497266106 384 5,326 SH   SOLE   0 0 5,326
Leggett&Platt Inc Com Equity 524660107 6,343 182,272 SH   SOLE   0 0 182,272
Eli Lilly & Company COM 532457108 2,405 8,398 SH   SOLE   0 0 8,398
Lockheed Martin Corp COM 539830109 231 523 SH   SOLE   0 0 523
McDonalds Corp COM 580135101 210 850 SH   SOLE   0 0 850
Microsoft Corp COM 594918104 2,924 9,483 SH   SOLE   0 0 9,483
Paychex Inc COM 704326107 685 5,021 SH   SOLE   0 0 5,021
Pepsico Incorporated COM 713448108 290 1,731 SH   SOLE   0 0 1,731
Procter & Gamble Company COM 742718109 950 6,216 SH   SOLE   0 0 6,216
Qualcomm Inc COM 747525103 326 2,131 SH   SOLE   0 0 2,131
Schwab US Broad Market ETF Equity 808524102 29,432 551,265 SH   SOLE   0 0 551,265
Schwab US Large Cap ETF Equity 808524201 10,285 190,992 SH   SOLE   0 0 190,992
Schwab US Mid-Cap ETF Equity 808524508 12,382 163,225 SH   SOLE   0 0 163,225
Schwab US Small Cap ETF Equity 808524607 12,811 270,512 SH   SOLE   0 0 270,512
Schwab Emgerging Markets Equity ETF EMRG MKTEQ ETF 808524706 264 9,520 SH   SOLE   0 0 9,520
Schwab Fundamental US Broad Market ETF SCHWAB FDT US BM 808524789 423 7,323 SH   SOLE   0 0 7,323
Schwab US Dividend Equity ETF Equity 808524797 12,560 159,205 SH   SOLE   0 0 159,205
Schwab International Equity ETF Equity 808524805 12,063 328,514 SH   SOLE   0 0 328,514
Starbucks Corporation COM 855244109 204 2,247 SH   SOLE   0 0 2,247
Texas Instruments Inc COM 882508104 359 1,955 SH   SOLE   0 0 1,955
U S Bancorp De COM NEW 902973304 203 3,823 SH   SOLE   0 0 3,823
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 479 2,954 SH   SOLE   0 0 2,954
Vanguard ESG US Stock ETF ESG US STK ETF 921910733 419 5,171 SH   SOLE   0 0 5,171
Vanguard Total World Stock Index ETF TT WRLD ST ETF 922042742 392 3,867 SH   SOLE   0 0 3,867
Vanguard Emerging Market FTSE EMR MKT ETF 922042858 312 6,770 SH   SOLE   0 0 6,770
Vanguard S&P 500 ETF Equity 922908363 5,287 12,736 SH   SOLE   0 0 12,736
Vanguard REIT Equity 922908553 10,860 100,210 SH   SOLE   0 0 100,210
Vanguard Mid Cap Equity 922908629 10,242 43,064 SH   SOLE   0 0 43,064
Vanguard Value ETF VALUE ETF 922908744 1,045 7,068 SH   SOLE   0 0 7,068
Vanguard Small Cap ETF Equity 922908751 8,361 39,342 SH   SOLE   0 0 39,342
Vanguard Total Stock Mkt TOTAL STK MKT 922908769 1,390 6,105 SH   SOLE   0 0 6,105
Wal-Mart Stores Inc COM 931142103 205 1,374 SH   SOLE   0 0 1,374
Abbott Laboratories Equity 002824100 1,402 11,844 SH   SOLE   0 0 11,844
AbbVie Inc COM 00287Y109 1,066 6,573 SH   SOLE   0 0 6,573
Alphabet Class C CAP STK CL C 02079K107 1,450 519 SH   SOLE   0 0 519
Alphabet Inc Class A CAP STK CL A 02079K305 2,687 966 SH   SOLE   0 0 966
Amazon.Com Inc COM 023135106 2,303 707 SH   SOLE   0 0 707
American Express Company COM 025816109 230 1,227 SH   SOLE   0 0 1,227
American States Water Co Equity 029899101 3,174 35,660 SH   SOLE   0 0 35,660
Amgen Inc COM 031162100 536 2,218 SH   SOLE   0 0 2,218
Anheuser Busch Cos Inc SPONSORED ADR 03524A108 254 4,234 SH   SOLE   0 0 4,234
Berkshire Hathaway Inc Class B Equity 084670207 4,655 13,190 SH   SOLE   0 0 13,190
Renovare Environmental Inc Equity 09074B107 9 16,510 SH   SOLE   0 0 16,510
Blackrock Inc COM 09247X101 231 302 SH   SOLE   0 0 302
Boeing Company COM 097023105 224 1,169 SH   SOLE   0 0 1,169
California Water Service Group Equity 130788102 3,120 52,640 SH   SOLE   0 0 52,640
Cisco Systems Inc Equity 17275R102 626 11,229 SH   SOLE   0 0 11,229
Columbia EM Core ex-China ETF Equity 19762B202 1,752 57,263 SH   SOLE   0 0 57,263
Costco Wholesale Corp COM 22160K105 1,308 2,271 SH   SOLE   0 0 2,271
Diageo Plc New Spn Adr SPON ADR NEW 25243Q205 396 1,948 SH   SOLE   0 0 1,948
Duke Energy Corp New Equity 26441C204 1,314 11,767 SH   SOLE   0 0 11,767
Essential Utilities Equity 29670G102 6,489 126,902 SH   SOLE   0 0 126,902
Exxon Mobil Corp COM 30231G102 654 7,923 SH   SOLE   0 0 7,923
Meta Platforms CL A 30303M102 428 1,926 SH   SOLE   0 0 1,926
Femasys Equity 31447E105 168 74,296 SH   SOLE   0 0 74,296
Fidelity MSCI Real Estate Index ETF Equity 316092857 592 18,291 SH   SOLE   0 0 18,291
Goldman Sachs ActiveBeta International Equity 381430107 3,848 117,573 SH   SOLE   0 0 117,573
Intel Corp Equity 458140100 1,177 23,754 SH   SOLE   0 0 23,754
Invesco QQQ Trust Equity 46090E103 4,081 11,258 SH   SOLE   0 0 11,258
Invesco Fundamental High Yield Corp Bond ETF Equity 46138E719 1,292 70,349 SH   SOLE   0 0 70,349
Invesco BulletShares 2025 Corp Bond ETF Equity 46138J825 222 10,600 SH   SOLE   0 0 10,600
Guggenheim Bulletshares 2024 Corporate Bond Equity 46138J841 483 22,900 SH   SOLE   0 0 22,900
Guggenheim Bulletshares 2023 Corporate Bond Equity 46138J866 496 23,500 SH   SOLE   0 0 23,500
Guggenheim BulletShrs 2022 Corp Bond ETF Equity 46138J882 247 11,600 SH   SOLE   0 0 11,600
Invesco DB Oil Fund Equity 46140H403 9,150 528,301 SH   SOLE   0 0 528,301
iShares Barclays TIPS Equity 464287176 1,247 10,012 SH   SOLE   0 0 10,012
iShares Cohen & Steers Realty Majors Equity 464287564 1,245 17,531 SH   SOLE   0 0 17,531
iShares Tr S&P Smallcap Equity 464287804 1,315 12,190 SH   SOLE   0 0 12,190
iShares Barclays MBS Bonds Equity 464288588 1,478 14,512 SH   SOLE   0 0 14,512
iShares S&P US Preferred Fund Equity 464288687 1,367 37,547 SH   SOLE   0 0 37,547
iShares DJ US Health Care Providers Equity 464288828 2,837 10,027 SH   SOLE   0 0 10,027
iShares GNMA Bond Equity 46429B333 1,013 21,232 SH   SOLE   0 0 21,232
iShares Core High Dividend CORE HIGH DV ETF 46429B663 811 7,587 SH   SOLE   0 0 7,587
iShares 0-5 Year TIPS Bond ETF Equity 46429B747 15,286 145,669 SH   SOLE   0 0 145,669
iShares Bloomberg Roll Sel Brd Cmdty ETF Equity 46431W598 1,071 17,457 SH   SOLE   0 0 17,457
iShares Core MSCI EAFE ETF Equity 46432F842 728 10,469 SH   SOLE   0 0 10,469
iShares Core Dividend Growth ETF Equity 46434V621 3,271 61,247 SH   SOLE   0 0 61,247
iShares Convertible Bond Equity 46435G102 2,600 31,210 SH   SOLE   0 0 31,210
iShares iBonds DEC 2022 Term Muni Bond Equity 46435G755 736 28,396 SH   SOLE   0 0 28,396
JP Morgan Chase & Company COM 46625H100 504 3,698 SH   SOLE   0 0 3,698
Johnson & Johnson Equity 478160104 2,254 12,717 SH   SOLE   0 0 12,717
Merck & Company Inc Equity 58933Y105 980 11,947 SH   SOLE   0 0 11,947
NextEra Energy Inc Equity 65339F101 860 10,151 SH   SOLE   0 0 10,151
Nvidia Corp COM 67066G104 476 1,745 SH   SOLE   0 0 1,745
PayPal Holdings Inc COM 70450Y103 297 2,568 SH   SOLE   0 0 2,568
Pfizer Incorporated Equity 717081103 1,164 22,475 SH   SOLE   0 0 22,475
PIMCO Enhaced Low Duration Active ETF Equity 72201R718 9,615 98,586 SH   SOLE   0 0 98,586
PIMCO Total Return ETF Equity 72201R775 2,869 28,189 SH   SOLE   0 0 28,189
Pimco Short Term Muni ETF Equity 72201R874 2,725 54,524 SH   SOLE   0 0 54,524
Planet Fitness Inc CL A 72703H101 670 7,935 SH   SOLE   0 0 7,935
ProShares UltraShort 20 Year Treasury Equity 74347B201 625 30,529 SH   SOLE   0 0 30,529
Proshares Short S&P 500 Equity 74347B425 4,187 297,148 SH   SOLE   0 0 297,148
Proshs Ultra Oil & Gas Equity 74347G705 1,621 11,464 SH   SOLE   0 0 11,464
ProShares Ultra S&P 500 Equity 74347R107 2,180 33,220 SH   SOLE   0 0 33,220
ProShares Ultra QQQ Equity 74347R206 2,850 39,625 SH   SOLE   0 0 39,625
ProShares UltraShort Bloomberg Crude Oil Equity 74347Y862 2,993 516,974 SH   SOLE   0 0 516,974
Raytheon Technologies Corp Equity 75513E101 1,886 19,037 SH   SOLE   0 0 19,037
S&P Global Inc COM 78409V104 965 2,352 SH   SOLE   0 0 2,352
SJW Corp Equity 784305104 3,151 45,285 SH   SOLE   0 0 45,285
Standard & Poors Dep Rcpts Series 1 Equity 78462F103 17,403 38,533 SH   SOLE   0 0 38,533
SPDR Gold Shares GOLD SHS 78463V107 343 1,897 SH   SOLE   0 0 1,897
SPDR S&P Intl Small Cap S&P INTL SMLCP 78463X871 264 7,515 SH   SOLE   0 0 7,515
SPDR Barclays Capital Convertible Securities Equity 78464A359 2,398 31,161 SH   SOLE   0 0 31,161
SPDR S&P 500 Growth ETF PRTFLO S&P500 GW 78464A409 261 3,937 SH   SOLE   0 0 3,937
SPDR Barclays Capital Tips Equity 78464A656 597 19,735 SH   SOLE   0 0 19,735
SPDR S&P Dividend ETF Equity 78464A763 11,010 85,944 SH   SOLE   0 0 85,944
SPDR Blackstone / GSO Senior Loan Equity 78467V608 1,489 33,127 SH   SOLE   0 0 33,127
SPDR Barclays Investment Grade Floating Rate ETF Equity 78468R200 2,429 79,652 SH   SOLE   0 0 79,652
SPDR Lehman Municipal Bond ETF Equity 78468R721 712 14,862 SH   SOLE   0 0 14,862
SPDR S&P 500 Fossil Fuel Free ETF SPDR S&P 500 ETF 78468R796 574 5,172 SH   SOLE   0 0 5,172
SPDR MSCI EAFE Fossil Fuel Free ETF MSCI EAFE FS ETF 78470E106 389 5,058 SH   SOLE   0 0 5,058
SCHWAB 1-5 YEAR CORP BOND ETF Equity 808524714 2,738 56,388 SH   SOLE   0 0 56,388
Schwab Fundamental Emerging Markets Large Company Equity 808524730 1,378 47,616 SH   SOLE   0 0 47,616
Schwab Fundamental US Large Company ETF Equity 808524771 1,971 33,698 SH   SOLE   0 0 33,698
Schwab Short Term US Treasury ETF Equity 808524862 568 11,458 SH   SOLE   0 0 11,458
Schwab US TIPS ETF Equity 808524870 3,476 57,252 SH   SOLE   0 0 57,252
Energy Select Sector SPDR Equity 81369Y506 1,555 20,343 SH   SOLE   0 0 20,343
Financial Select Sector SPDR Equity 81369Y605 801 20,900 SH   SOLE   0 0 20,900
Southern Company Equity 842587107 772 10,650 SH   SOLE   0 0 10,650
Target Corp COM 87612E106 481 2,265 SH   SOLE   0 0 2,265
Tesla Motors Inc COM 88160R101 237 220 SH   SOLE   0 0 220
3m Company COM 88579Y101 256 1,720 SH   SOLE   0 0 1,720
Travelers Companies Inc COM 89417E109 409 2,241 SH   SOLE   0 0 2,241
Valero Energy Corp New COM 91913Y100 437 4,308 SH   SOLE   0 0 4,308
Vanguard FTSE Developed Markets Index Fund Equity 921943858 4,112 85,608 SH   SOLE   0 0 85,608
Vanguard Total International Bond ETF Equity 92203J407 2,492 47,517 SH   SOLE   0 0 47,517
Vanguard International Equity Index Equity 922042775 1,500 26,039 SH   SOLE   0 0 26,039
Vanguard Utilities Equity 92204A876 9,988 61,724 SH   SOLE   0 0 61,724
Verizon Communications Inc Equity 92343V104 1,532 30,076 SH   SOLE   0 0 30,076
Visa Inc Cl A COM CL A 92826C839 417 1,880 SH   SOLE   0 0 1,880
Waste Management Inc Del COM 94106L109 315 1,989 SH   SOLE   0 0 1,989