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
AFLAC INC COM COM 001055102 1,358 25,677 SH   SOLE   0 0 25,677
AMGEN INC COM COM 031162100 319 1,322 SH   SOLE   0 0 1,322
APPLE INC COM COM 037833100 4,299 14,639 SH   SOLE   0 0 14,639
ARES CAPITAL CORP COM COM 04010L103 536 28,720 SH   SOLE   0 0 28,720
AT&T INC COM COM 00206R102 456 11,679 SH   SOLE   0 0 11,679
BARCLAYS BANK PLC IPATH B LIVESTCK ETN IPATH B LIVESTCK ETN 06746P498 414 9,036 SH   SOLE   0 0 9,036
BARCLAYS BANK PLC IPATH SER B GSCI ETN IPATH SER B GSCI ETN 06745R693 389 30,920 SH   SOLE   0 0 30,920
BERKSHIRE HATHAWAY INC COM CL B COM CL B 084670702 366 1,617 SH   SOLE   0 0 1,617
BOEING CO COM COM 097023105 298 915 SH   SOLE   0 0 915
CHEVRON CORPORATION COM COM 166764100 346 2,867 SH   SOLE   0 0 2,867
COSTCO WHOLESALE CORP COM COM 22160K105 490 1,666 SH   SOLE   0 0 1,666
CREDIT SUISSE AG LONDON BRANCH NOTE CLBL INDEX LNKD NOTE CLBL INDEX LNKD 22552FW65 306 302 SH   SOLE   0 0 302
CREDIT SUISSE AG LONDON BRANCH NOTE M/W CLBL INDEX LNKD NOTE M/W CLBL INDEX LNKD 22552FH70 385 382 SH   SOLE   0 0 382
EMX ROYALTY CORPORATION COM COM 26873J107 33 20,000 SH   SOLE   0 0 20,000
EVRIM RESOURCES CORP COM COM 30051B100 3 10,000 SH   SOLE   0 0 10,000
EXXON MOBIL CORPORATION COM COM 30231G102 430 6,156 SH   SOLE   0 0 6,156
FARMERS & MERCHANTS BANK (CA) COM COM 308243104 330 42 SH   SOLE   0 0 42
FIRST TRUST EXCHANGE-TRADED FU CAP STRENGTH ETF CAP STRENGTH ETF 33733E104 479 7,940 SH   SOLE   0 0 7,940
FLAHERTY & CRUMRINE/CLAYMORE P COM COM 338478100 550 25,359 SH   SOLE   0 0 25,359
GENERAL ELECTRIC CO COM COM 369604103 182 16,315 SH   SOLE   0 0 16,315
GLOBAL X FDS GLB X SUPERDIV ETF GLB X SUPERDIV ETF 37950E549 211 11,944 SH   SOLE   0 0 11,944
GOLUB CAPITAL BDC INC COM COM 38173M102 536 29,036 SH   SOLE   0 0 29,036
HOME DEPOT INC COM COM 437076102 426 1,950 SH   SOLE   0 0 1,950
INTERNATIONAL BUS MACH CORP COM COM 459200101 213 1,592 SH   SOLE   0 0 1,592
INVESCO DWA UTILITIES DWA UTILS MUMT 46137V795 566 16,483 SH   SOLE   0 0 16,483
INVESCO EXCHANGE TRADED FUND T S&P500 LOW VOL ETF S&P500 LOW VOL ETF 46138E354 325 5,574 SH   SOLE   0 0 5,574
INVESCO EXCHANGE TRADED SELF I DEFENSIVE EQTY ETF DEFENSIVE EQTY ETF 46138J775 613 11,007 SH   SOLE   0 0 11,007
INVESCO QQQ TRUST UNIT SER 1 ETF UNIT SER 1 ETF 46090E103 93,779 441,085 SH   SOLE   0 0 441,085
ISHARES INC CORE MSCI EMKT ETF CORE MSCI EMKT ETF 46434G103 18,171 338,011 SH   SOLE   0 0 338,011
ISHARES SILVER TRUST ISHARES ETF ISHARES ETF 46428Q109 239 14,343 SH   SOLE   0 0 14,343
ISHARES TRUST 1 3 YR TREAS BD ETF 1 3 YR TREAS BD ETF 464287457 12,822 151,507 SH   SOLE   0 0 151,507
ISHARES TRUST 20 YR TR BD ETF 20 YR TR BD ETF 464287432 23,368 172,486 SH   SOLE   0 0 172,486
ISHARES TRUST 3 7 YR TREAS BD ETF 3 7 YR TREAS BD ETF 464288661 404 3,210 SH   SOLE   0 0 3,210
ISHARES TRUST BARCLAYS 7 10 YR ETF BARCLAYS 7 10 YR ETF 464287440 2,019 18,315 SH   SOLE   0 0 18,315
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE ETF 46432F842 29,666 454,721 SH   SOLE   0 0 454,721
ISHARES TRUST CORE S&P MCP ETF CORE S&P MCP ETF 464287507 1,239 6,022 SH   SOLE   0 0 6,022
ISHARES TRUST CORE S&P SCP ETF CORE S&P SCP ETF 464287804 14,018 167,185 SH   SOLE   0 0 167,185
ISHARES TRUST CORE S&P TTL STK ETF CORE S&P TTL STK ETF 464287150 7,032 96,734 SH   SOLE   0 0 96,734
ISHARES TRUST CORE S&P500 ETF CORE S&P500 ETF 464287200 11,149 34,491 SH   SOLE   0 0 34,491
ISHARES TRUST FLTG RATE NT ETF FLTG RATE NT ETF 46429B655 1,783 35,023 SH   SOLE   0 0 35,023
ISHARES TRUST GLOBAL TECH ETF GLOBAL TECH ETF 464287291 2,058 9,779 SH   SOLE   0 0 9,779
ISHARES TRUST IBOXX HI YD ETF IBOXX HI YD ETF 464288513 433 4,929 SH   SOLE   0 0 4,929
ISHARES TRUST IBOXX INV CP ETF IBOXX INV CP ETF 464287242 46,185 360,937 SH   SOLE   0 0 360,937
ISHARES TRUST INTL SEL DIV ETF INTL SEL DIV ETF 464288448 264 7,850 SH   SOLE   0 0 7,850
ISHARES TRUST INTRM TR CRP ETF INTRM TR CRP ETF 464288638 1,321 22,792 PRN   SOLE   0 0 22,792
ISHARES TRUST JPMORGAN USD EMG ETF JPMORGAN USD EMG ETF 464288281 32,888 287,080 SH   SOLE   0 0 287,080
ISHARES TRUST MBS ETF MBS ETF 464288588 3,586 33,190 SH   SOLE   0 0 33,190
ISHARES TRUST MIN VOL EAFE ETF MIN VOL EAFE ETF 46429B689 451 6,056 SH   SOLE   0 0 6,056
ISHARES TRUST MSCI MIN VOL ETF MSCI MIN VOL ETF 46429B697 2,540 38,716 SH   SOLE   0 0 38,716
ISHARES TRUST TIPS BD ETF TIPS BD ETF 464287176 486 4,169 PRN   SOLE   0 0 4,169
ISHARES TRUST US TREAS BD ETF US TREAS BD ETF 46429B267 3,210 123,740 SH   SOLE   0 0 123,740
ISHARES TRUST USA QUALITY FCTR ETF USA QUALITY FCTR ETF 46432F339 3,353 33,196 SH   SOLE   0 0 33,196
ISHARES TRUST USA SIZE FACTOR ETF USA SIZE FACTOR ETF 46432F370 1,918 19,690 SH   SOLE   0 0 19,690
ISHARES US ETF TRUST SHT MAT BD ETF SHT MAT BD ETF 46431W507 1,340 26,667 SH   SOLE   0 0 26,667
JOHN HANCOCK PFD INCOME FUND I COM COM 41021P103 527 27,329 SH   SOLE   0 0 27,329
JP MORGAN CHASE & CO COM COM 46625H100 515 3,692 SH   SOLE   0 0 3,692
LARAMIDE RESOURCES COM COM 51669T101 9 60,000 SH   SOLE   0 0 60,000
MAIN STREET CAP CORP COM COM 56035L104 535 12,418 PRN   SOLE   0 0 12,418
MARRIOTT INTERNATIONAL INC COM CL A COM CL A 571903202 245 1,615 SH   SOLE   0 0 1,615
MCDONALD'S CORPORATION COM COM 580135101 303 1,535 SH   SOLE   0 0 1,535
MICROSOFT CORP COM COM 594918104 1,213 7,689 SH   SOLE   0 0 7,689
NEUBERGER BERMAN INC COM COM 64190A103 544 97,543 SH   SOLE   0 0 97,543
NEW MOUNTAIN FINANCE CORP COM COM 647551100 532 38,700 SH   SOLE   0 0 38,700
OXFORD LANE CAPITAL CORP COM COM 691543102 157 19,275 SH   SOLE   0 0 19,275
PHILIP MORRIS INTL INC COM COM 718172109 227 2,666 SH   SOLE   0 0 2,666
PIMCO ETF TRUST ENHAN SHRT MA AC ETF ENHAN SHRT MA AC ETF 72201R833 1,266 12,458 SH   SOLE   0 0 12,458
PIMCO FUNDS COM COM 72200U100 558 29,195 SH   SOLE   0 0 29,195
PIMCO INCOME OPPORTUNITY FUND COM COM 72202B100 548 19,721 SH   SOLE   0 0 19,721
SCHWAB STRATEGIC TR EMRG MKTEQ ETF EMRG MKTEQ ETF 808524706 1,363 49,798 PRN   SOLE   0 0 49,798
SCHWAB STRATEGIC TR INTL EQTY ETF INTL EQTY ETF 808524805 1,200 35,681 SH   SOLE   0 0 35,681
SCHWAB STRATEGIC TR SCHWAB FDT US LG ETF SCHWAB FDT US LG ETF 808524771 239 5,595 SH   SOLE   0 0 5,595
SCHWAB STRATEGIC TR SHT TM US TRES ETF SHT TM US TRES ETF 808524862 1,147 22,720 SH   SOLE   0 0 22,720
SCHWAB STRATEGIC TR US DIVIDEND EQ ETF US DIVIDEND EQ ETF 808524797 2,037 35,171 SH   SOLE   0 0 35,171
SCHWAB STRATEGIC TR US LCAP GR ETF US LCAP GR ETF 808524300 811 8,730 SH   SOLE   0 0 8,730
SCHWAB STRATEGIC TR US LCAP VA ETF US LCAP VA ETF 808524409 445 7,410 SH   SOLE   0 0 7,410
SCHWAB STRATEGIC TR US LRG CAP ETF US LRG CAP ETF 808524201 2,213 28,817 SH   SOLE   0 0 28,817
SELECT SECTOR SPDR TRUST COMMUNICATION ETF COMMUNICATION ETF 81369Y852 5,270 98,272 SH   SOLE   0 0 98,272
SELECT SECTOR SPDR TRUST ENERGY ETF ENERGY ETF 81369Y506 2,438 40,613 SH   SOLE   0 0 40,613
SELECT SECTOR SPDR TRUST RL EST SEL SEC ETF RL EST SEL SEC ETF 81369Y860 2,022 52,294 SH   SOLE   0 0 52,294
SELECT SECTOR SPDR TRUST SBI CONS DISCR ETF SBI CONS DISCR ETF 81369Y407 4,984 39,737 SH   SOLE   0 0 39,737
SELECT SECTOR SPDR TRUST SBI CONS STPLS ETF SBI CONS STPLS ETF 81369Y308 3,114 49,445 SH   SOLE   0 0 49,445
SELECT SECTOR SPDR TRUST SBI HEALTHCARE ETF SBI HEALTHCARE ETF 81369Y209 8,613 84,562 SH   SOLE   0 0 84,562
SELECT SECTOR SPDR TRUST SBI INT-FINL ETF SBI INT-FINL ETF 81369Y605 5,308 172,463 SH   SOLE   0 0 172,463
SELECT SECTOR SPDR TRUST SBI INT-INDS ETF SBI INT-INDS ETF 81369Y704 4,802 58,940 SH   SOLE   0 0 58,940
SELECT SECTOR SPDR TRUST SBI INT-UTILS ETF SBI INT-UTILS ETF 81369Y886 1,318 20,398 SH   SOLE   0 0 20,398
SELECT SECTOR SPDR TRUST SBI MATERIALS ETF SBI MATERIALS ETF 81369Y100 1,029 16,752 SH   SOLE   0 0 16,752
SELECT SECTOR SPDR TRUST TECHNOLOGY ETF TECHNOLOGY ETF 81369Y803 11,104 121,130 SH   SOLE   0 0 121,130
SOCIETE GENERALE NOTE INDEX LNKD NOTE INDEX LNKD 83369FSL2 379 379 SH   SOLE   0 0 379
SPDR BLMBRG BRCLY INTL BLOMBERG INTL TR 78464A516 345 11,970 SH   SOLE   0 0 11,970
SPDR GOLD TRUST GOLD SHS ETF GOLD SHS ETF 78463V107 1,401 9,806 SH   SOLE   0 0 9,806
SPDR S&P500 ETF TRUST TR UNIT ETF TR UNIT ETF 78462F103 77,014 239,278 SH   SOLE   0 0 239,278
SPDR SERIES TRUST BLOOMBERG BRCLYS ETF BLOOMBERG BRCLYS ETF 78468R622 43,490 397,023 SH   SOLE   0 0 397,023
SPDR SERIES TRUST S&P DIVID ETF S&P DIVID ETF 78464A763 330 3,071 SH   SOLE   0 0 3,071
SPIRIT REALTY CAPITAL INC COM NEW COM NEW 84860W300 210 4,272 SH   SOLE   0 0 4,272
SYNTHORX INC COM COM 87167A103 266 3,800 PRN   SOLE   0 0 3,800
VANGUARD DIV APP ETF DIV APP ETF 921908844 59,301 475,698 SH   SOLE   0 0 475,698
VANGUARD HIGH DIV YLD ETF HIGH DIV YLD ETF 921946406 258 2,750 SH   SOLE   0 0 2,750
VANGUARD INTL BD IDX ETF INTL BD IDX ETF 92203J407 4,538 80,203 SH   SOLE   0 0 80,203
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 674 7,269 SH   SOLE   0 0 7,269
VANGUARD TOTAL STK MKT ETF TOTAL STK MKT ETF 922908769 373 2,280 SH   SOLE   0 0 2,280
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 823 5,763 SH   SOLE   0 0 5,763
VAPOTHERM INC COM COM 922107107 243 20,000 SH   SOLE   0 0 20,000
VERIZON COMMUNICATIONS COM COM 92343V104 459 7,478 SH   SOLE   0 0 7,478
WALT DISNEY CO COM 254687106 903 6,246 SH   SOLE   0 0 6,246