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
Aberdeen Standard Physical Pal PHYSICAL PALLADM 003262102 761 4,265 SH   SOLE NONE 0 0 4,265
Aberdeen Standard Physical Pla PHYSCL PLATM SHS 003260106 1,091 13,132 SH   SOLE NONE 0 0 13,132
Apple Computer COM 037833100 3,517 25,727 SH   SOLE NONE 0 0 25,727
Ball Corporation COM 058498106 1,571 22,845 SH   SOLE NONE 0 0 22,845
BlackRock MuniHoldings CA Qual COM 09254L107 295 24,670 SH   SOLE NONE 0 0 24,670
Caterpillar Inc. COM 149123101 286 1,600 SH   SOLE NONE 0 0 1,600
Charles River Laboratories Int COM 159864107 615 2,877 SH   SOLE NONE 0 0 2,877
Chevron Corporation COM 166764100 464 3,207 SH   SOLE NONE 0 0 3,207
Cigna Corp. COM 125523100 1,691 6,419 SH   SOLE NONE 0 0 6,419
Comcast Corp New Cl A CL A 20030N101 948 24,178 SH   SOLE NONE 0 0 24,178
Corning Inc. COM 219350105 834 26,479 SH   SOLE NONE 0 0 26,479
Deutsche X-Trackers MSCI EAFE XTRACK MSCI EAFE 233051200 21,806 626,453 SH   SOLE NONE 0 0 626,453
Diamonds Trust - Unit Series 1 UT SER 1 78467X109 593 1,928 SH   SOLE NONE 0 0 1,928
Dollar Tree Inc Com COM 256746108 425 2,731 SH   SOLE NONE 0 0 2,731
Eaton Vance Fl Rt In Tr COM 278279104 233 19,854 SH   SOLE NONE 0 0 19,854
Eaton Vance SR Fl Rt Tr COM 27828Q105 600 48,903 SH   SOLE NONE 0 0 48,903
Essex Property Trust Inc. COM 297178105 742 2,840 SH   SOLE NONE 0 0 2,840
FedEx Corporation COM 31428X106 1,525 6,731 SH   SOLE NONE 0 0 6,731
First Trust Dow Jones Sel Micr COM SHS ANNUAL 33718M105 2,275 43,455 SH   SOLE NONE 0 0 43,455
First Trust/Four Corners COM 33733U108 305 30,599 SH   SOLE NONE 0 0 30,599
Fiserv Inc. Wisc Pv 1CT COM 337738108 1,714 19,271 SH   SOLE NONE 0 0 19,271
Global Payments Inc. COM 37940X102 858 7,755 SH   SOLE NONE 0 0 7,755
Goldman Sachs Equal Wght US Lg EQUAL WEIGHT US 381430438 7,259 130,749 SH   SOLE NONE 0 0 130,749
Hartford Multifactor Dev Mkts HARTFORD MLT ETF 518416102 3,018 121,256 SH   SOLE NONE 0 0 121,256
Honeywell Inc. COM 438516106 10,246 58,954 SH   SOLE NONE 0 0 58,954
Innovator S&P 500 Ultra Buffer US EQT ULTRA BF 45782C730 394 14,838 SH   SOLE NONE 0 0 14,838
Intel Corp. COM 458140100 355 9,500 SH   SOLE NONE 0 0 9,500
Invesco S&P 500 Equal Weight E S&P500 EQL WGT 46137V357 27,431 204,359 SH   SOLE NONE 0 0 204,359
Invesco S&P 500 Garp S&P 500 GARP ETF 46137V431 8,270 103,906 SH   SOLE NONE 0 0 103,906
Invesco S&P SmallCap Value wit S&P SMCP VLU MNT 46137V480 969 21,825 SH   SOLE NONE 0 0 21,825
IQ 50 Percent Hedged FTSE Intl HDGD FTSE INTL 45409B560 1,829 87,627 SH   SOLE NONE 0 0 87,627
iShares Core MSCI Emerging Mar CORE MSCI EMKT 46434G103 2,722 55,493 SH   SOLE NONE 0 0 55,493
iShares Currency Hdgd MSCI EAF MSCI EAFE SMCP 46435G839 723 23,090 SH   SOLE NONE 0 0 23,090
iShares Currency Hedged MSCI E HDG MSCI EAFE 46434V803 9,222 289,826 SH   SOLE NONE 0 0 289,826
iShares Edge MSCI Min Vol USA MSCI USA MIN VOL 46429B697 288 4,103 SH   SOLE NONE 0 0 4,103
iShares Floating Rate Bond ETF FLTG RATE NT ETF 46429B655 8,047 161,213 SH   SOLE NONE 0 0 161,213
Ishares MSCI EAFE Small Cap EAFE SML CP ETF 464288273 7,271 133,205 SH   SOLE NONE 0 0 133,205
iShares MSCI USA Equal Weighte MSCI EQUAL WEITE 464286681 846 11,984 SH   SOLE NONE 0 0 11,984
Ishares Russell Microcap MICRO-CAP ETF 464288869 2,131 20,502 SH   SOLE NONE 0 0 20,502
iShares Silver Trust ISHARES 46428Q109 2,028 108,805 SH   SOLE NONE 0 0 108,805
iShares Trust - iShares 5-10 Y ISHS 5-10YR INVT 464288638 286 5,608 SH   SOLE NONE 0 0 5,608
iShares Ultra Short-Term Bond BLACKROCK ULTRA 46434V878 930 18,595 SH   SOLE NONE 0 0 18,595
Johnson & Johnson COM 478160104 246 1,387 SH   SOLE NONE 0 0 1,387
Laboratory Crp of Amer Hldgs COM NEW 50540R409 709 3,027 SH   SOLE NONE 0 0 3,027
LKQ Corp COM 501889208 1,714 34,924 SH   SOLE NONE 0 0 34,924
M S Emerging Market Debt COM 61744H105 295 44,751 SH   SOLE NONE 0 0 44,751
MasTec COM 576323109 506 7,064 SH   SOLE NONE 0 0 7,064
Microchip Technology Inc COM 595017104 926 15,953 SH   SOLE NONE 0 0 15,953
Nike CL B 654106103 561 5,492 SH   SOLE NONE 0 0 5,492
Norfolk Southern Corp COM 655844108 574 2,529 SH   SOLE NONE 0 0 2,529
Northrop Grumman Corp COM 666807102 512 1,070 SH   SOLE NONE 0 0 1,070
Pfizer Inc COM 717081103 1,812 34,564 SH   SOLE NONE 0 0 34,564
Pimco Enhanced Short Maturity ENHAN SHRT MA AC 72201R833 988 9,975 SH   SOLE NONE 0 0 9,975
PowerShares Ultra Short Durati ULTRA SHRT DUR 46090A887 5,461 110,214 SH   SOLE NONE 0 0 110,214
Schwab Fnd Intl Large Company SCHWB FDT INT LG 808524755 13,075 461,882 SH   SOLE NONE 0 0 461,882
Schwab US Mid-Cap ETF US MID-CAP ETF 808524508 4,571 72,874 SH   SOLE NONE 0 0 72,874
Sector Spdr Health Fund SBI HEALTHCARE 81369Y209 420 3,281 SH   SOLE NONE 0 0 3,281
SPDR Barclays 1-3 Month T-Bill BLOOMBERG 1-3 MO 78468R663 1,147 12,545 SH   SOLE NONE 0 0 12,545
SPDR Blmbg Barclays Inv Grd Fl BLOOMBERG INVT 78468R200 15,316 508,669 SH   SOLE NONE 0 0 508,669
SPDR Gold Trust GOLD SHS 78463V107 1,229 7,300 SH   SOLE NONE 0 0 7,300
SPDR Portfolio Emerging Market PORTFOLIO EMG MK 78463X509 3,635 104,564 SH   SOLE NONE 0 0 104,564
SPDR Portfolio Small Cap ETF PORTFOLIO S&P600 78468R853 1,568 43,586 SH   SOLE NONE 0 0 43,586
SPDR S&P 500 Fossil Fuel Free SPDR S&P 500 ETF 78468R796 770 8,357 SH   SOLE NONE 0 0 8,357
SPDR S&P 500 Trust TR UNIT 78462F103 2,187 5,799 SH   SOLE NONE 0 0 5,799
SPDR S&P Dividend ETF S&P DIVID ETF 78464A763 315 2,658 SH   SOLE NONE 0 0 2,658
SPDR S&P Emerging Markets Smal S&P EMKTSC ETF 78463X756 3,757 77,227 SH   SOLE NONE 0 0 77,227
SPDR S&P Global Natural Resour GLB NAT RESRCE 78463X541 8,542 164,000 SH   SOLE NONE 0 0 164,000
Tapestry COM 876030107 806 26,409 SH   SOLE NONE 0 0 26,409
Templeton Global Income COM 880198106 96 21,821 SH   SOLE NONE 0 0 21,821
Timken Co. COM 887389104 1,163 21,937 SH   SOLE NONE 0 0 21,937
Vanguard Europe Pacific ETF VAN FTSE DEV MKT 921943858 8,339 204,411 SH   SOLE NONE 0 0 204,411
Vanguard FTSE Emerg. Mkts. Ind FTSE EMR MKT ETF 922042858 3,168 76,064 SH   SOLE NONE 0 0 76,064
Vanguard Health Care HEALTH CAR ETF 92204A504 3,940 16,733 SH   SOLE NONE 0 0 16,733
Vanguard Intermediate Corp Bd INT-TERM CORP 92206C870 1,642 20,527 SH   SOLE NONE 0 0 20,527
Vanguard International Dividen INTL DVD ETF 921946810 923 13,466 SH   SOLE NONE 0 0 13,466
Vanguard Mid-Cap Stk ETF MID CAP ETF 922908629 2,953 14,994 SH   SOLE NONE 0 0 14,994
Vanguard Russell 1000 Growth I VNG RUS1000GRW 92206C680 700 12,448 SH   SOLE NONE 0 0 12,448
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 1,961 5,654 SH   SOLE NONE 0 0 5,654
Vanguard Short-Term Bond ETF SHRT TRM CORP BD 92206C409 8,538 111,961 SH   SOLE NONE 0 0 111,961
Vanguard Small Cap SMALL CP ETF 922908751 6,840 38,841 SH   SOLE NONE 0 0 38,841
Vanguard Specialized Portfolio DIV APP ETF 921908844 995 6,941 SH   SOLE NONE 0 0 6,941
Vanguard Ultra-Short Bond ETF VANGUARD ULTRA 92203C303 250 5,090 SH   SOLE NONE 0 0 5,090
Vanguard Value Index Fund ETF VALUE ETF 922908744 2,095 15,892 SH   SOLE NONE 0 0 15,892
VMWare Inc. Com CL A COM 928563402 254 2,229 SH   SOLE NONE 0 0 2,229
Vontier Corporation COM 928881101 851 37,044 SH   SOLE NONE 0 0 37,044
Walt Disney Company COM 254687106 870 9,221 SH   SOLE NONE 0 0 9,221
WisdomTree Dynamic Ccy Hdgd In CURRNCY INT EQ 97717X263 346 12,400 SH   SOLE NONE 0 0 12,400
WisdomTree European Hedged Sma EUR HDG SMLCAP 97717X552 3,630 117,891 SH   SOLE NONE 0 0 117,891
WisdomTree Intern'l Hdgd Div G ITL HDG QTLY DIV 97717X594 16,075 429,606 SH   SOLE NONE 0 0 429,606
WisdomTree International Small INTL SMCAP DIV 97717W760 5,158 88,359 SH   SOLE NONE 0 0 88,359
Wisdomtree Small Emerging Mark EMG MKTS SMCAP 97717W281 2,528 56,640 SH   SOLE NONE 0 0 56,640
Wsdmtree Emrgn Mkts St EM EX ST-OWNED 97717X578 10,084 351,625 SH   SOLE NONE 0 0 351,625