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
NORTHROP GRUMMAN CORP COM 666807102 217 706 SH   SOLE   706 0 0
FIRST FNDTN INC COM 32026V104 327 20,000 SH   SOLE   20,000 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,036 12,261 SH   SOLE   6,046 0 6,215
PROCTER AND GAMBLE CO COM 742718109 918 7,679 SH   SOLE   7,379 0 300
VANECK VECTORS ETF TR MORNINGSTAR WIDE 92189F643 7,495 143,503 SH   SOLE   119,486 0 24,017
NUVEEN CA QUALTY MUN INCOME COM 67066Y105 1,122 78,650 SH   SOLE   74,150 0 4,500
CITIGROUP INC COM NEW 172967424 412 8,065 SH   SOLE   8,065 0 0
3M CO COM 88579Y101 11,352 72,773 SH   SOLE   62,540 0 10,233
CONSOLIDATED EDISON INC COM 209115104 1,081 15,024 SH   SOLE   8,274 0 6,750
TESLA INC COM 88160R101 5,321 4,928 SH   SOLE   4,096 0 832
AT&T INC COM 00206R102 7,679 254,021 SH   SOLE   210,119 0 43,902
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 329 3,150 SH   SOLE   3,150 0 0
SPDR GOLD TR GOLD SHS 78463V107 243 1,450 SH   SOLE   1,450 0 0
ABBVIE INC COM 00287Y109 1,369 13,942 SH   SOLE   12,617 0 1,325
KINROSS GOLD CORP COM 496902404 542 75,000 SH   SOLE   0 0 75,000
QUALCOMM INC COM 747525103 894 9,806 SH   SOLE   9,456 0 350
VERIZON COMMUNICATIONS INC COM 92343V104 1,248 22,638 SH   SOLE   20,243 0 2,395
ABBOTT LABS COM 002824100 313 3,425 SH   SOLE   3,425 0 0
PFIZER INC COM 717081103 3,890 118,975 SH   SOLE   100,278 0 18,697
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 1,070 4,150 SH   SOLE   150 0 4,000
YUM BRANDS INC COM 988498101 227 2,613 SH   SOLE   2,613 0 0
UNION PAC CORP COM 907818108 439 2,596 SH   SOLE   2,596 0 0
CISCO SYS INC COM 17275R102 5,303 113,692 SH   SOLE   97,446 0 16,246
AUTOMATIC DATA PROCESSING IN COM 053015103 12,647 84,942 SH   SOLE   77,434 0 7,508
HONEYWELL INTL INC COM 438516106 434 3,003 SH   SOLE   3,003 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 6,075 430,241 SH   SOLE   384,054 0 46,187
ANNALY CAPITAL MANAGEMENT IN COM 035710409 151 23,050 SH   SOLE   21,925 0 1,125
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 32,302 1,085,786 SH   SOLE   988,297 0 97,489
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,429 73,888 SH   SOLE   66,249 0 7,639
SCHWAB CHARLES CORP COM 808513105 407 12,052 SH   SOLE   12,052 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,100 40,589 SH   SOLE   3,739 0 36,850
RAYTHEON TECHNOLOGIES CORP COM 75513E101 367 5,950 SH   SOLE   5,950 0 0
DOUBLELINE OPPORTUNISTIC CR COM 258623107 295 15,550 SH   SOLE   14,850 0 700
COSTCO WHSL CORP NEW COM 22160K105 622 2,052 SH   SOLE   2,052 0 0
EATON VANCE TAX ADVT DIV INC COM 27828G107 204 10,595 SH   SOLE   9,595 0 1,000
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,659 33,114 SH   SOLE   12,394 0 20,720
DOUBLELINE INCOME SOLUTIONS COM 258622109 295 19,220 SH   SOLE   16,720 0 2,500
STARBUCKS CORP COM 855244109 1,293 17,566 SH   SOLE   16,666 0 900
NETFLIX INC COM 64110L106 761 1,672 SH   SOLE   1,522 0 150
EMERSON ELEC CO COM 291011104 236 3,807 SH   SOLE   3,807 0 0
CHEVRON CORP NEW COM 166764100 749 8,396 SH   SOLE   7,695 0 701
STRYKER CORPORATION COM 863667101 11,902 66,051 SH   SOLE   62,968 0 3,083
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,437 17,390 SH   SOLE   16,390 0 1,000
GENERAL MLS INC COM 370334104 1,341 21,758 SH   SOLE   20,233 0 1,525
NUVEEN CALIFORNIA AMT QLT MU COM 670651108 1,086 72,716 SH   SOLE   67,016 0 5,700
DNP SELECT INCOME FD COM 23325P104 162 14,900 SH   SOLE   11,900 0 3,000
BK OF AMERICA CORP COM 060505104 2,890 121,703 SH   SOLE   109,236 0 12,467
ADVANCED MICRO DEVICES INC COM 007903107 1,070 20,336 SH   SOLE   19,956 0 380
ISHARES TR NASDAQ BIOTECH 464287556 932 6,815 SH   SOLE   3,615 0 3,200
EATON CORP PLC SHS G29183103 1,019 11,645 SH   SOLE   10,020 0 1,625
INTEL CORP COM 458140100 14,314 239,238 SH   SOLE   211,117 0 28,121
MICROSOFT CORP COM 594918104 2,563 12,595 SH   SOLE   6,132 0 6,463
XILINX INC COM 983919101 280 2,850 SH   SOLE   2,600 0 250
NVIDIA CORPORATION COM 67066G104 418 1,101 SH   SOLE   1,101 0 0
PEPSICO INC COM 713448108 201 1,521 SH   SOLE   1,521 0 0
EATON VANCE LTD DURATION INC COM 27828H105 871 77,245 SH   SOLE   73,770 0 3,475
AMGEN INC COM 031162100 629 2,665 SH   SOLE   2,665 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,920 10,000 SH   SOLE   0 0 10,000
BOEING CO COM 097023105 2,340 12,765 SH   SOLE   12,765 0 0
BLACKROCK MUNIYIELD CALIF QU COM 09254N103 332 23,936 SH   SOLE   23,936 0 0
INVESCO CALIF VALUE MUN INCO COM 46132H106 441 16,150 SH   SOLE   10,900 0 5,250
GENERAL ELECTRIC CO COM 369604103 91 13,296 SH   SOLE   13,050 0 246
ALPHABET INC CAP STK CL A 02079K305 11,449 8,074 SH   SOLE   7,316 0 758
BEYOND MEAT INC COM 08862E109 279 2,082 SH   SOLE   2,082 0 0
PBF ENERGY INC CL A 69318G106 332 32,384 SH   SOLE   32,384 0 0
KLA CORP COM NEW 482480100 8,107 41,684 SH   SOLE   34,734 0 6,950
MEDTRONIC PLC SHS G5960L103 12,784 139,413 SH   SOLE   125,463 0 13,950
FIRST TR SR FLG RTE INCM FD COM 33733U108 234 21,500 SH   SOLE   21,500 0 0
LULULEMON ATHLETICA INC COM 550021109 250 800 SH   SOLE   800 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 450 2,877 SH   SOLE   2,877 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 1,414 7,101 SH   SOLE   101 0 7,000
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 228 13,300 SH   SOLE   6,800 0 6,500
NAVIOS MARITIME HLDGS INC COM Y62197119 38 18,000 SH   SOLE   18,000 0 0
AMAZON COM INC COM 023135106 15,146 5,490 SH   SOLE   4,694 0 796
LAM RESEARCH CORP COM 512807108 606 1,875 SH   SOLE   1,875 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,518 17,896 SH   SOLE   17,896 0 0
BROWN FORMAN CORP CL B 115637209 4,190 65,819 SH   SOLE   62,854 0 2,965
PARKER HANNIFIN CORP COM 701094104 219 1,196 SH   SOLE   1,196 0 0
PAYPAL HLDGS INC COM 70450Y103 1,023 5,870 SH   SOLE   5,720 0 150
JOHNSON & JOHNSON COM 478160104 12,434 88,416 SH   SOLE   76,341 0 12,075
ALTAIR ENGR INC COM CL A 021369103 596 15,000 SH   SOLE   15,000 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 277 1,850 SH   SOLE   1,850 0 0
PRICE T ROWE GROUP INC COM 74144T108 13,878 112,374 SH   SOLE   99,798 0 12,576
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 10,463 429,691 SH   SOLE   349,304 0 80,387
HOME DEPOT INC COM 437076102 702 2,801 SH   SOLE   2,801 0 0
NUVEEN S&P 500 BUY-WRITE INC COM 6706ER101 609 55,350 SH   SOLE   35,950 0 19,400
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 2,237 61,000 SH   SOLE   1,000 0 60,000
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 57,390 1,020,440 SH   SOLE   941,607 0 78,833
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,569 45,525 SH   SOLE   725 0 44,800
LOWES COS INC COM 548661107 14,485 107,200 SH   SOLE   91,946 0 15,254
SLACK TECHNOLOGIES INC COM CL A 83088V102 207 6,650 SH   SOLE   6,650 0 0
EXXON MOBIL CORP COM 30231G102 4,870 108,902 SH   SOLE   100,991 0 7,911
COMMERCE BANCSHARES INC COM 200525103 238 4,000 SH   SOLE   4,000 0 0
ALPHABET INC CAP STK CL C 02079K107 512 362 SH   SOLE   362 0 0
FACEBOOK INC CL A 30303M102 16,503 72,679 SH   SOLE   64,666 0 8,013
MERCK & CO. INC COM 58933Y105 870 11,256 SH   SOLE   10,866 0 390
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 276 1,278 SH   SOLE   1,273 0 5
KIMBERLY CLARK CORP COM 494368103 315 2,225 SH   SOLE   1,825 0 400
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 44,360 598,648 SH   SOLE   557,505 0 41,143
JPMORGAN CHASE & CO COM 46625H100 6,487 68,966 SH   SOLE   57,430 0 11,536
FIDELITY COVINGTON TR MSCI INFO TECH I 316092808 263 3,200 SH   SOLE   3,200 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 567 5,582 SH   SOLE   5,286 0 296
CINTAS CORP COM 172908105 16,138 60,587 SH   SOLE   57,634 0 2,953
DUKE ENERGY CORP NEW COM NEW 26441C204 250 3,130 SH   SOLE   3,130 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 267 1 SH   SOLE   1 0 0
BLACKROCK FLOATING RATE INCO COM 09255X100 576 51,529 SH   SOLE   48,829 0 2,700
PALO ALTO NETWORKS INC COM 697435105 246 1,070 SH   SOLE   870 0 200
VANECK VECTORS ETF TR PFD SECS EX FINL 92189F429 473 26,000 SH   SOLE   25,200 0 800
BRISTOL-MYERS SQUIBB CO COM 110122108 346 5,889 SH   SOLE   5,889 0 0
CVB FINL CORP COM 126600105 614 32,749 SH   SOLE   32,749 0 0
ISHARES TR US HLTHCARE ETF 464287762 1,000 4,637 SH   SOLE   597 0 4,040
BLACKROCK MUNIYIELD CALIF FD COM 09254M105 201 14,400 SH   SOLE   14,400 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 345 1,218 SH   SOLE   1,218 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 286 2,365 SH   SOLE   2,190 0 175
CLOROX CO DEL COM 189054109 328 1,495 SH   SOLE   1,495 0 0
ISHARES TR INTRM TR CRP ETF 464288638 929 15,394 SH   SOLE   13,794 0 1,600
APPLE INC COM 037833100 26,041 71,384 SH   SOLE   65,437 0 5,947
DISNEY WALT CO COM DISNEY 254687106 925 8,293 SH   SOLE   8,138 0 155
BIOGEN INC COM 09062X103 14,848 55,496 SH   SOLE   48,955 0 6,541
BROADCOM INC COM 11135F101 230 728 SH   SOLE   728 0 0
ABERDEEN ASIA-PACIFIC INCOME COM 003009107 142 37,300 SH   SOLE   37,300 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,057 11,524 SH   SOLE   7,870 0 3,654