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
CSW Industrials Inc Equity 126402106 341 2,847 SH   SOLE   0 0 2,847
CVS Corp Equity 126650100 306 3,207 SH   SOLE   0 0 3,207
California Water Service Group Equity 130788102 2,562 48,626 SH   SOLE   0 0 48,626
Camden Natl Corp Equity 133034108 300 7,039 SH   SOLE   0 0 7,039
Caterpillar Inc Equity 149123101 230 1,401 SH   SOLE   0 0 1,401
Chevron Corporation Equity 166764100 546 3,800 SH   SOLE   0 0 3,800
Coca-Cola Company Equity 191216100 396 7,073 SH   SOLE   0 0 7,073
Colgate-Palmolive Company Equity 194162103 357 5,086 SH   SOLE   0 0 5,086
Consolidated Edison Inc Equity 209115104 264 3,078 SH   SOLE   0 0 3,078
Xtrackers MSCI USA ESG Leaders Eq ETF Equity 233051150 313 9,602 SH   SOLE   0 0 9,602
Deere & Co Equity 244199105 484 1,449 SH   SOLE   0 0 1,449
Digital Realty Trust Inc Equity 253868103 244 2,462 SH   SOLE   0 0 2,462
Disney Walt Company Equity 254687106 345 3,654 SH   SOLE   0 0 3,654
Fidelity MSCI Real Estate Index ETF Equity 316092857 480 20,080 SH   SOLE   0 0 20,080
Genl Dynamics Corp Com Equity 369550108 432 2,035 SH   SOLE   0 0 2,035
General Mills Inc Equity 370334104 342 4,467 SH   SOLE   0 0 4,467
Goldman Sachs ActiveBeta International Equity 381430107 3,724 150,467 SH   SOLE   0 0 150,467
Home Depot Inc Equity 437076102 566 2,052 SH   SOLE   0 0 2,052
Honeywell Intl Inc Equity 438516106 259 1,552 SH   SOLE   0 0 1,552
Intel Corp Equity 458140100 527 20,458 SH   SOLE   0 0 20,458
International Business Machine Corp Equity 459200101 473 3,983 SH   SOLE   0 0 3,983
iShares Core S&P Total US Stock Market ETF Equity 464287150 415 5,222 SH   SOLE   0 0 5,222
iShares Barclays TIPS Equity 464287176 509 4,852 SH   SOLE   0 0 4,852
iShares Core S&P 500 ETF Equity 464287200 1,310 3,653 SH   SOLE   0 0 3,653
iShares iBoxx Investment Grade Corp Bond Equity 464287242 5,145 50,217 SH   SOLE   0 0 50,217
iShares S&P 500 Growth Equity 464287309 444 7,683 SH   SOLE   0 0 7,683
iShares Lehman 20 Year Treas Bond Equity 464287432 16,285 158,956 SH   SOLE   0 0 158,956
iShares S&P Midcap Equity 464287507 1,028 4,687 SH   SOLE   0 0 4,687
iShares S&P North Amer Tech-Semicondctrs Equity 464287523 5,691 17,854 SH   SOLE   0 0 17,854
iShares Cohen & Steers Realty Majors Equity 464287564 1,057 19,700 SH   SOLE   0 0 19,700
iShares Russell 3000 Equity 464287689 601 2,902 SH   SOLE   0 0 2,902
iShares Tr S&P Smallcap Equity 464287804 1,130 12,958 SH   SOLE   0 0 12,958
iShares Barclays MBS Bonds Equity 464288588 1,543 16,844 SH   SOLE   0 0 16,844
iShares S&P US Preferred Fund Equity 464288687 1,242 39,202 SH   SOLE   0 0 39,202
iShares DJ US Aerospace & Defense Index Equity 464288760 2,949 32,338 SH   SOLE   0 0 32,338
iShares DJ US Health Care Providers Equity 464288828 2,176 8,518 SH   SOLE   0 0 8,518
Johnson & Johnson Equity 478160104 2,124 13,000 SH   SOLE   0 0 13,000
Kimberly-Clark Corp Equity 494368103 380 3,375 SH   SOLE   0 0 3,375
Kirby Corporation Equity 497266106 324 5,326 SH   SOLE   0 0 5,326
Leggett&Platt Inc Com Equity 524660107 6,055 182,272 SH   SOLE   0 0 182,272
Eli Lilly & Company Equity 532457108 2,582 7,987 SH   SOLE   0 0 7,987
Lockheed Martin Corp Equity 539830109 202 524 SH   SOLE   0 0 524
Microsoft Corp Equity 594918104 2,242 9,625 SH   SOLE   0 0 9,625
Paychex Inc Equity 704326107 548 4,887 SH   SOLE   0 0 4,887
Pepsico Incorporated Equity 713448108 282 1,729 SH   SOLE   0 0 1,729
Pfizer Incorporated Equity 717081103 1,098 25,091 SH   SOLE   0 0 25,091
Procter & Gamble Company Equity 742718109 712 5,644 SH   SOLE   0 0 5,644
Qualcomm Inc Equity 747525103 241 2,136 SH   SOLE   0 0 2,136
SJW Corp Equity 784305104 2,421 42,024 SH   SOLE   0 0 42,024
Schwab US Broad Market ETF Equity 808524102 13,805 328,773 SH   SOLE   0 0 328,773
Schwab US Large Cap ETF Equity 808524201 8,328 196,640 SH   SOLE   0 0 196,640
Schwab US Mid-Cap ETF Equity 808524508 9,984 164,937 SH   SOLE   0 0 164,937
Schwab US Small Cap ETF Equity 808524607 10,436 276,088 SH   SOLE   0 0 276,088
SCHWAB 1-5 YEAR CORP BOND ETF Equity 808524714 823 17,771 SH   SOLE   0 0 17,771
Schwab Fundamental Emerging Markets Large Company Equity 808524730 1,122 47,880 SH   SOLE   0 0 47,880
Schwab Fundamental US Large Company ETF Equity 808524771 1,473 30,845 SH   SOLE   0 0 30,845
Schwab Fundamental US Broad Market ETF Equity 808524789 345 7,323 SH   SOLE   0 0 7,323
Schwab US Dividend Equity ETF Equity 808524797 10,976 165,228 SH   SOLE   0 0 165,228
Schwab International Equity ETF Equity 808524805 7,103 252,498 SH   SOLE   0 0 252,498
Schwab US REIT ETF Equity 808524847 4,355 233,038 SH   SOLE   0 0 233,038
Schwab US TIPS ETF Equity 808524870 2,627 50,705 SH   SOLE   0 0 50,705
Southern Company Equity 842587107 751 11,039 SH   SOLE   0 0 11,039
Texas Instruments Inc Equity 882508104 317 2,049 SH   SOLE   0 0 2,049
Vanguard Dividend Appreciation ETF Equity 921908844 402 2,974 SH   SOLE   0 0 2,974
Vanguard ESG US Stock ETF Equity 921910733 325 5,171 SH   SOLE   0 0 5,171
Vanguard FTSE Developed Markets Index Fund Equity 921943858 3,155 86,760 SH   SOLE   0 0 86,760
Vanguard Total World Stock Index ETF Equity 922042742 305 3,867 SH   SOLE   0 0 3,867
Vanguard International Equity Index Equity 922042775 1,518 34,221 SH   SOLE   0 0 34,221
Vanguard Emerging Market Equity 922042858 247 6,781 SH   SOLE   0 0 6,781
Vanguard S&P 500 ETF Equity 922908363 5,689 17,329 SH   SOLE   0 0 17,329
Vanguard REIT Equity 922908553 7,867 98,132 SH   SOLE   0 0 98,132
Vanguard Mid Cap Equity 922908629 8,737 46,480 SH   SOLE   0 0 46,480
Vanguard Value ETF Equity 922908744 885 7,164 SH   SOLE   0 0 7,164
Vanguard Small Cap ETF Equity 922908751 7,333 42,905 SH   SOLE   0 0 42,905
Vanguard Total Stock Mkt Equity 922908769 1,010 5,625 SH   SOLE   0 0 5,625
Roche Holding AG Dividend Right Cert Equity 001203204 246 750 SH   SOLE   0 0 750
AT&T Inc Equity 00206R102 190 12,388 SH   SOLE   0 0 12,388
Abbott Laboratories Equity 002824100 1,155 11,942 SH   SOLE   0 0 11,942
AbbVie Inc Equity 00287Y109 882 6,571 SH   SOLE   0 0 6,571
Aberdeen Standard Phys PalladiumShrs ETF Equity 003262102 2,250 11,201 SH   SOLE   0 0 11,201
Alphabet Class C Equity 02079K107 1,006 10,460 SH   SOLE   0 0 10,460
Alphabet Inc Class A Equity 02079K305 2,074 21,678 SH   SOLE   0 0 21,678
Amazon.Com Inc Equity 023135106 1,593 14,099 SH   SOLE   0 0 14,099
American States Water Co Equity 029899101 2,605 33,424 SH   SOLE   0 0 33,424
American Water Works Co Equity 030420103 8,156 62,662 SH   SOLE   0 0 62,662
Amgen Inc Equity 031162100 490 2,173 SH   SOLE   0 0 2,173
Anheuser Busch Cos Inc Equity 03524A108 200 4,434 SH   SOLE   0 0 4,434
Apple Computer Inc Equity 037833100 11,824 85,557 SH   SOLE   0 0 85,557
Berkshire Hathaway Inc Class B Equity 084670207 3,514 13,159 SH   SOLE   0 0 13,159
1/100 Berkshire Htwy A Equity 084990175 1,626 400 SH   SOLE   0 0 400
Renovare Environmental Inc Equity 09074B107 1 16,510 SH   SOLE   0 0 16,510
Cisco Systems Inc Equity 17275R102 458 11,438 SH   SOLE   0 0 11,438
Columbia EM Core ex-China ETF Equity 19762B202 1,766 75,319 SH   SOLE   0 0 75,319
Costco Wholesale Corp Equity 22160K105 1,074 2,273 SH   SOLE   0 0 2,273
Diageo Plc New Spn Adr Equity 25243Q205 349 2,056 SH   SOLE   0 0 2,056
Duke Energy Corp New Equity 26441C204 1,271 13,664 SH   SOLE   0 0 13,664
Essential Utilities Equity 29670G102 4,901 118,429 SH   SOLE   0 0 118,429
Exxon Mobil Corp Equity 30231G102 744 8,526 SH   SOLE   0 0 8,526
Meta Platforms Equity 30303M102 235 1,731 SH   SOLE   0 0 1,731
Invesco Fundamental High Yield Corp Bond ETF Equity 46138E719 1,327 80,777 SH   SOLE   0 0 80,777
Invesco BulletShares 2025 Corp Bond ETF Equity 46138J825 211 10,600 SH   SOLE   0 0 10,600
Guggenheim Bulletshares 2024 Corporate Bond Equity 46138J841 467 22,900 SH   SOLE   0 0 22,900
Guggenheim Bulletshares 2023 Corporate Bond Equity 46138J866 490 23,500 SH   SOLE   0 0 23,500
Guggenheim BulletShrs 2022 Corp Bond ETF Equity 46138J882 246 11,600 SH   SOLE   0 0 11,600
Invesco DB Oil Fund Equity 46140H403 2,433 160,279 SH   SOLE   0 0 160,279
iShares Core High Dividend Equity 46429B663 710 7,774 SH   SOLE   0 0 7,774
iShares 0-5 Year TIPS Bond ETF Equity 46429B747 12,262 127,579 SH   SOLE   0 0 127,579
iShares Bloomberg Roll Sel Brd Cmdty ETF Equity 46431W598 982 17,853 SH   SOLE   0 0 17,853
iShares Commodities Select Strategies ETF Equity 46431W853 202 5,642 SH   SOLE   0 0 5,642
iShares Core MSCI EAFE ETF Equity 46432F842 596 11,316 SH   SOLE   0 0 11,316
iShares Core Dividend Growth ETF Equity 46434V621 3,190 71,743 SH   SOLE   0 0 71,743
iShares Convertible Bond Equity 46435G102 1,471 21,350 SH   SOLE   0 0 21,350
JP Morgan Chase & Company Equity 46625H100 403 3,855 SH   SOLE   0 0 3,855
Merck & Company Inc Equity 58933Y105 1,071 12,437 SH   SOLE   0 0 12,437
NextEra Energy Inc Equity 65339F101 742 9,458 SH   SOLE   0 0 9,458
Nvidia Corp Equity 67066G104 294 2,422 SH   SOLE   0 0 2,422
PayPal Holdings Inc Equity 70450Y103 222 2,577 SH   SOLE   0 0 2,577
PIMCO Enhaced Low Duration Active ETF Equity 72201R718 6,358 67,134 SH   SOLE   0 0 67,134
PIMCO Total Return ETF Equity 72201R775 1,019 11,360 SH   SOLE   0 0 11,360
Planet Fitness Inc Equity 72703H101 458 7,935 SH   SOLE   0 0 7,935
ProShares UltraShort 20 Year Treasury Equity 74347B201 820 25,779 SH   SOLE   0 0 25,779
Proshares Short S&P 500 Equity 74347B425 11,082 641,343 SH   SOLE   0 0 641,343
ProShares Ultra S&P 500 Equity 74347R107 1,320 33,220 SH   SOLE   0 0 33,220
Invesco QQQ Trust Equity 74347R206 3,793 14,194 SH   SOLE   0 0 14,194
ProShares Ultra QQQ Equity 74347R206 638 17,396 SH   SOLE   0 0 17,396
ProShares UltraShort Bloomberg Crude Oil Equity 74347Y797 6,183 204,179 SH   SOLE   0 0 204,179
Raytheon Technologies Corp Equity 75513E101 1,561 19,068 SH   SOLE   0 0 19,068
S&P Global Inc Equity 78409V104 718 2,350 SH   SOLE   0 0 2,350
Standard & Poors Dep Rcpts Series 1 Equity 78462F103 14,733 41,249 SH   SOLE   0 0 41,249
SPDR Gold Shares Equity 78463V107 5,080 32,842 SH   SOLE   0 0 32,842
SPDR Barclays Capital Convertible Securities Equity 78464A359 1,993 31,489 SH   SOLE   0 0 31,489
SPDR Barclays Capital Tips Equity 78464A656 500 19,735 SH   SOLE   0 0 19,735
SPDR Long Term Treasury Equity 78464A664 1,345 45,371 SH   SOLE   0 0 45,371
SPDR S&P Dividend ETF Equity 78464A763 9,418 84,466 SH   SOLE   0 0 84,466
SPDR Blackstone / GSO Senior Loan Equity 78467V608 1,497 36,638 SH   SOLE   0 0 36,638
SPDR Barclays Investment Grade Floating Rate ETF Equity 78468R200 2,410 79,532 SH   SOLE   0 0 79,532
SPDR Lehman Municipal Bond ETF Equity 78468R721 654 14,862 SH   SOLE   0 0 14,862
SPDR S&P 500 Fossil Fuel Free ETF Equity 78468R796 442 5,067 SH   SOLE   0 0 5,067
SPDR MSCI EAFE Fossil Fuel Free ETF Equity 78470E106 291 4,972 SH   SOLE   0 0 4,972
Energy Select Sector SPDR Equity 81369Y506 3,217 44,673 SH   SOLE   0 0 44,673
Financial Select Sector SPDR Equity 81369Y605 820 27,017 SH   SOLE   0 0 27,017
Target Corp Equity 87612E106 336 2,267 SH   SOLE   0 0 2,267
Tesla Motors Inc Equity 88160R101 253 955 SH   SOLE   0 0 955
Travelers Companies Inc Equity 89417E109 371 2,421 SH   SOLE   0 0 2,421
Valero Energy Corp New Equity 91913Y100 462 4,328 SH   SOLE   0 0 4,328
Vanguard Total International Bond ETF Equity 92203J407 2,328 48,770 SH   SOLE   0 0 48,770
Vanguard Utilities Equity 92204A876 21,605 151,867 SH   SOLE   0 0 151,867
Verizon Communications Inc Equity 92343V104 1,292 34,022 SH   SOLE   0 0 34,022
Visa Inc Cl A Equity 92826C839 390 2,195 SH   SOLE   0 0 2,195
Waste Management Inc Del Equity 94106L109 324 2,025 SH   SOLE   0 0 2,025
WisdomTree Floating Rate Treasury ETF Equity 97717Y527 1,467 29,180 SH   SOLE   0 0 29,180
LUMIRADX ORD Equity G5709L109 62 61,140 SH   SOLE   0 0 61,140