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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
A B M Industries Inc COM 000957100   11,088 250 SH   SOLE   0 0 250
Allstate Corporation COM 020002101   1,565 12 SH   SOLE   0 0 12
Amazon Com Inc COM 023135106   6,880 2 SH   SOLE   0 0 2
Ametek Inc New COM 031100100   13,751 103 SH   SOLE   0 0 103
Apple Computer Inc COM 037833100   7,670 56 SH   SOLE   0 0 56
Applied Materials Inc COM 038222105   2,848 20 SH   SOLE   0 0 20
Bank Of America Corp COM 060505104   31,129 755 SH   SOLE   0 0 755
Berkshire Hathaway Inc. Cl B COM 084670702   2,779 10 SH   SOLE   0 0 10
Bill Com Hldgs Inc COM 090043100   366 2 SH   SOLE   0 0 2
Boeing Co COM 097023105   719 3 SH   SOLE   0 0 3
Best Buy Inc COM 097023105   1,150 10 SH   SOLE   0 0 10
Boston Scientific Corp COM 101137107   941 22 SH   SOLE   0 0 22
Bristol Myers Squibb Co. COM 110122108   1,069 16 SH   SOLE   0 0 16
C M S Energy Corp COM 125896100   1,004 17 SH   SOLE   0 0 17
Caterpillar Inc. COM 149123101   1,088 5 SH   SOLE   0 0 5
Central Pacific Finl New COM 154760409   5 0 SH   SOLE   0 0 0
Charles River Labs COM 159864107   740 2 SH   SOLE   0 0 2
Chegg Inc COM 163092109   332 4 SH   SOLE   0 0 4
Chevrontexaco Corp COM 166764100   1,571 15 SH   SOLE   0 0 15
Coca Cola Company COM 191098102   812 15 SH   SOLE   0 0 15
Danaher Corp Del COM 235851102   1,073 4 SH   SOLE   0 0 4
Danimer Scientific Inc COM 236272100   150 6 SH   SOLE   0 0 6
Deere & Co COM 244199105   705 2 SH   SOLE   0 0 2
Walt Disney Co. COM 254687106   2,637 15 SH   SOLE   0 0 15
Eastgroup Properties COM 277276101   1,151 7 SH   SOLE   0 0 7
Eaton Corporation COM 278058102   1,482 10 SH   SOLE   0 0 10
Ecolab Inc COM 278865100   618 3 SH   SOLE   0 0 3
Edison International COM 281020107   1,561 27 SH   SOLE   0 0 27
Euronet Worldwide COM 298736109   541 4 SH   SOLE   0 0 4
F M C Corp COM 302491303   866 8 SH   SOLE   0 0 8
Ford Motor Co Del Par $0.01 COM 345370860   11,888 800 SH   SOLE   0 0 800
General Electric Company COM 369604301   6,730 500 SH   SOLE   0 0 500
General Mills Inc COM 370334104   670 11 SH   SOLE   0 0 11
Genmab A/S COM 372303206   572 14 SH   SOLE   0 0 14
Greenbrier Co COM 393657101   4,358 100 SH   SOLE   0 0 100
Hexcel Corp New COM 428291108   1,186 19 SH   SOLE   0 0 19
Home Depot Inc COM 437076102   957 3 SH   SOLE   0 0 3
Hubspot Inc COM 443573100   583 1 SH   SOLE   0 0 1
Humana Inc COM 444859102   885 2 SH   SOLE   0 0 2
Huntington Ingalls Inds COM 446413106   1,475 7 SH   SOLE   0 0 7
Illumina Inc COM 452327109   946 2 SH   SOLE   0 0 2
Ishares Core S&P Total ETF 464287150   5,629 57 SH   SOLE   0 0 57
Ishares Tr Lehman Tips ETF 464287176   6,144 48 SH   SOLE   0 0 48
CEF Ishares Tr Funds ETF 464287200   2,751,058 6,399 SH   SOLE   0 0 6,399
Ishares Tr Lehman Bd Fd ETF 464287226   27,564 239 SH   SOLE   0 0 239
Ishares Tr S&P 500 Barra Growth ETF 464287309   2,044,586 28,112 SH   SOLE   0 0 28,112
Ishares Tr S&P 500 Barra ETF 464287408   13,037,963 88,309 SH   SOLE   0 0 88,309
Ishares Tr Lehman Bond Fund ETF 464287457   5,773 67 SH   SOLE   0 0 67
Ishares Tr Msci Eafe Fd ETF 464287465   2,340,527 29,672 SH   SOLE   0 0 29,672
Ishares Russell Mid Cap ETF 464287481   550,944 4,867 SH   SOLE   0 0 4,867
Ishares Russell Midcap ETF 464287499   98,258 1,240 SH   SOLE   0 0 1,240
Ishares Tr S&P Midcap 400 ETF 464287507   2,451,355 9,122 SH   SOLE   0 0 9,122
Ishares Global 100 Etf ETF 464287572   1,405,105 19,793 SH   SOLE   0 0 19,793
Ishares S&P Midcap Growth ETF 464287606   287,787 3,556 SH   SOLE   0 0 3,556
Ishares Tr Russell 1000 Growth Index Fd ETF 464287614   266,050 980 SH   SOLE   0 0 980
Ishares Tr Russell 1000 ETF 464287622   7,016,689 28,985 SH   SOLE   0 0 28,985
Ishares Tr Russell 2000 Value Index Fd ETF 464287630   1,823 11 SH   SOLE   0 0 11
Ishares Tr Russell 2000 Growth ETF 464287648   377,768 1,212 SH   SOLE   0 0 1,212
Ishares Tr Russell 2000 ETF 464287655   8,561,522 37,326 SH   SOLE   0 0 37,326
Ishares Tr S&P Smallcap ETF 464287804   4,536,530 40,153 SH   SOLE   0 0 40,153
Ishares S&P Smallcap ETF 464287879   307,223 2,914 SH   SOLE   0 0 2,914
Ishares Jp Morgan Usd ETF 464288281   2,924 26 SH   SOLE   0 0 26
Ishares International ETF 464288448   212,350 6,554 SH   SOLE   0 0 6,554
Ishares TRUST Barclays ETF 464288588   5,736 53 SH   SOLE   0 0 53
Ishares Int Gov Credit ETF 464288612   4,972 43 SH   SOLE   0 0 43
Ishares Msci Usa Esg ETF 464288802   67,833 710 SH   SOLE   0 0 710
Ishares Msci Eafe Growth ETF 464288885   527,603 4,918 SH   SOLE   0 0 4,918
Johnson & Johnson COM 478160104   2,801 17 SH   SOLE   0 0 17
Keycorp Inc New COM 493267108   1,280 62 SH   SOLE   0 0 62
Kohls Corp COM 500255104   2,756 50 SH   SOLE   0 0 50
Lamb Weston Holdings Inc COM 513272104   565 7 SH   SOLE   0 0 7
Las Vegas Sands Corp COM 517834107   316 6 SH   SOLE   0 0 6
Estee Lauder Co Inc COM 518439104   954 3 SH   SOLE   0 0 3
Liberty All Star Eq Fd COM 530158104   877 97 SH   SOLE   0 0 97
Lilly Eli & Company COM 532457108   1,377 6 SH   SOLE   0 0 6
Live Nation Entrtmnt COM 538034109   526 6 SH   SOLE   0 0 6
Lululemon Athletica COM 550021109   730 2 SH   SOLE   0 0 2
Martin Marietta Matr COM 573284106   352 1 SH   SOLE   0 0 1
Marvell Technology Inc COM 573874104   1,575 27 SH   SOLE   0 0 27
Mc Cormick & Co Inc COM 579780206   530 6 SH   SOLE   0 0 6
McDonalds Corp COM 580135101   27,719 120 SH   SOLE   0 0 120
Micro Focus Interntnl COM 594837403   678 90 SH   SOLE   0 0 90
Microsoft Corp COM 594918104   6,773 25 SH   SOLE   0 0 25
Micron Technology Inc COM 595112103   1,700 20 SH   SOLE   0 0 20
Mil Global Telco Inc COM 598630200   1 1 SH   SOLE   0 0 1
Mondelez Intl COM 609207105   1,686 27 SH   SOLE   0 0 27
Nike Inc Class B COM 654106103   1,699 11 SH   SOLE   0 0 11
Okta Inc COM 679295105   489 2 SH   SOLE   0 0 2
Pvh Corp COM 693656100   323 3 SH   SOLE   0 0 3
Paccar Inc COM 693718108   803 9 SH   SOLE   0 0 9
Packaging Corp Of Am COM 695156109   948 7 SH   SOLE   0 0 7
Parker-Hannifin Corp COM 701094104   22,112 72 SH   SOLE   0 0 72
Pepsico Incorporated COM 713448108   1,185 8 SH   SOLE   0 0 8
Pfizer Incorporated COM 717081103   19,580 500 SH   SOLE   0 0 500
Phillips COM 718546104   772 9 SH   SOLE   0 0 9
Pioneer Natural Res Co COM 723787107   3,250 20 SH   SOLE   0 0 20
Procter & Gamble Co COM 742718109   1,754 13 SH   SOLE   0 0 13
Reinsurance Gp Amer COM 759351604   912 8 SH   SOLE   0 0 8
Ross Stores Inc COM 778296103   992 8 SH   SOLE   0 0 8
The Charles Schwab Corp COM 778296103   2,548 35 SH   SOLE   0 0 35
Sarepta Therapeutics COM 803607100   311 4 SH   SOLE   0 0 4
Schw US Brd Mkt Etf ETF 808524102   6,140,291 58,888 SH   SOLE   0 0 58,888
Schwab US Large Cap ETF ETF 808524201   32,372,179 311,361 SH   SOLE   0 0 311,361
Schwab US Large Cap ETF 808524300   8,809,416 60,355 SH   SOLE   0 0 60,355
Schw US Lcap Val Etf ETF 808524409   75,959 1,111 SH   SOLE   0 0 1,111
Schwab US SC ETF ETF 808524607   2,447,605 23,494 SH   SOLE   0 0 23,494
Sch Fnd Intl Lg Etf ETF 808524755   7,123,584 214,050 SH   SOLE   0 0 214,050
Sch Fnd US Lg Etf ETF 808524771   10,530,550 192,444 SH   SOLE   0 0 192,444
Schwab Int'l Equity ETF ETF 808524805   3,264,527 82,751 SH   SOLE   0 0 82,751
Sch St US Trsr Etf ETF 808524862   392,396 7,661 SH   SOLE   0 0 7,661
Sempra Energy COM 816851109   1,325 10 SH   SOLE   0 0 10
Sherwin Williams Co COM 824348106   545 2 SH   SOLE   0 0 2
Snowflake Inc COM 833445109   242 1 SH   SOLE   0 0 1
Splunk Inc COM 848637104   867 6 SH   SOLE   0 0 6
Stanley Black & Deck COM 854502101   1,435 7 SH   SOLE   0 0 7
Teva Pharmaceutical Industries Ltd-Adr COM 881624209   3,960 400 SH   SOLE   0 0 400
Texas Instruments Inc COM 882508104   1,731 9 SH   SOLE   0 0 9
Thermo Fisher Scientific COM 883556102   1,513 3 SH   SOLE   0 0 3
Union Pacific Corp COM 907818108   1,100 5 SH   SOLE   0 0 5
Vf Corp COM 918204108   820 10 SH   SOLE   0 0 10
Vanguard Esg U.S. Stock ETF 921910733   68,703 859 SH   SOLE   0 0 859
Vanguard S&P Small Cap ETF 921932794   170,846 747 SH   SOLE   0 0 747
Vanguard Long Term Bond ETF 921937793   3,091 30 SH   SOLE   0 0 30
Vanguard Msci Eafe Etf ETF 921943858   1,741,531 33,803 SH   SOLE   0 0 33,803
Vanguard Total World ETF 922042742   340,751 3,289 SH   SOLE   0 0 3,289
Vanguard Msci Emerging ETF 922042858   3,639 67 SH   SOLE   0 0 67
Veeva Systems Inc COM 922475108   622 2 SH   SOLE   0 0 2
Vanguard S&P 500 Etf New ETF 922908363   704,401 1,790 SH   SOLE   0 0 1,790
Vanguard Mid Cap Value ETF 922908512   1,546 11 SH   SOLE   0 0 11
Vanguard Small Cap ETF 922908595   268,056 925 SH   SOLE   0 0 925
Vanguard Mid Cap ETF 922908629   2,611 11 SH   SOLE   0 0 11
Vanguard Large Cap ETF 922908637   17,246,232 85,909 SH   SOLE   0 0 85,909
Vanguard Growth Etf ETF 922908736   5,153,115 17,967 SH   SOLE   0 0 17,967
Vanguard Value ETF 922908744   5,773 42 SH   SOLE   0 0 42
Vioquest Pharma Inc New COM 927625202   0 19 SH   SOLE   0 0 19
Vmware Inc COM 928563402   800 5 SH   SOLE   0 0 5
Wabtec COM 929740108   1,070 13 SH   SOLE   0 0 13
Wal-Mart Stores Inc COM 931142103   564 4 SH   SOLE   0 0 4
Waters Corp COM 941848103   691 2 SH   SOLE   0 0 2
Wells Fargo & Co New COM 949746101   1,585 35 SH   SOLE   0 0 35
West Pharm Srvc Inc COM 955306105   1,077 3 SH   SOLE   0 0 3
Western Digital Corp COM 958102105   1,423 20 SH   SOLE   0 0 20
Whirlpool Corp COM 963320106   5,887 27 SH   SOLE   0 0 27
Spdr Msci Eafe Fsl Fuel ETF 78470E106   38,257 458 SH   SOLE   0 0 458
AT&T Corp COM 00206R102   65,902 2,290 SH   SOLE   0 0 2,290
Abbvie Inc COM 00287Y109   901 8 SH   SOLE   0 0 8
Adaptive Biotechnologies COM 00650F109   368 9 SH   SOLE   0 0 9
Adobe Systems Inc COM 00724F101   2,343 4 SH   SOLE   0 0 4
Agilent Technologies Inc COM 00846U101   6,208 42 SH   SOLE   0 0 42
Google Inc Class C COM 02079K107   5,013 2 SH   SOLE   0 0 2
Google Inc Class A COM 02079K305   4,884 2 SH   SOLE   0 0 2
Amern Tower Corp COM 03027X100   810 3 SH   SOLE   0 0 3
American Well Corp COM 03044L105   151 12 SH   SOLE   0 0 12
B W X Technologies I COM 05605H100   7,091 122 SH   SOLE   0 0 122
Biomarin Pharmaceutical COM 09061G101   334 4 SH   SOLE   0 0 4
C H Robinson Worldwd COM 12541W209   1,030 11 SH   SOLE   0 0 11
Comcast Corp New Cl A COM 20030N101   7,641 134 SH   SOLE   0 0 134
Conocophillips COM 20825C104   18,270 300 SH   SOLE   0 0 300
Constellation Brand Cl A COM 21036P108   936 4 SH   SOLE   0 0 4
Cisco Systems Inc COM 22160K105   28,090 530 SH   SOLE   0 0 530
Dimensional U S Core ETF 25434V708   52,071 1,930 SH   SOLE   0 0 1,930
E O G Resources Inc COM 26875P101   918 11 SH   SOLE   0 0 11
Eqt Corp COM 26884L109   757 34 SH   SOLE   0 0 34
Emergent Biosolution COM 29089Q105   1,890 30 SH   SOLE   0 0 30
Enbridge Inc COM 29250N105   2,282 57 SH   SOLE   0 0 57
Equinix Inc COM 29444U700   1,605 2 SH   SOLE   0 0 2
Etsy Inc COM 29786A106   412 2 SH   SOLE   0 0 2
Exxon Mobil Corporation COM 30231G102   12,616 200 SH   SOLE   0 0 200
Facebook Inc COM 30303M102   3,825 11 SH   SOLE   0 0 11
Farfetch Ltd COM 30744W107   403 8 SH   SOLE   0 0 8
Fidelity Natl Info COM 31620M106   3,117 22 SH   SOLE   0 0 22
First Industrial Rlt COM 32054K103   731 14 SH   SOLE   0 0 14
Fox Corp COM 35137L105   854 23 SH   SOLE   0 0 23
General Motors Corp COM 37045V100   1,124 19 SH   SOLE   0 0 19
GlaxoSmithKline PLC Sponsored ADR(Frm. Glaxo Well) COM 37733W204   19,910 500 SH   SOLE   0 0 500
Global Payments Inc COM 37940X102   375 2 SH   SOLE   0 0 2
Goldman Sachs Group Inc COM 38141G104   2,277 6 SH   SOLE   0 0 6
Guardant Health Inc COM 40131M109   497 4 SH   SOLE   0 0 4
Hewlett-Packard Company COM 40434L105   24,152 800 SH   SOLE   0 0 800
Hewlett Packard Enterpri COM 42824C109   16,038 1,100 SH   SOLE   0 0 1,100
Hilton Worldwide Hld COM 43300A203   482 4 SH   SOLE   0 0 4
Ingersoll Rand Co Ltd Cl A COM 45687V106   683 14 SH   SOLE   0 0 14
Insulet Corp COM 45784P101   549 2 SH   SOLE   0 0 2
Intercontinental Exc COM 45866F104   356 3 SH   SOLE   0 0 3
Intuitive Surgical COM 46120E602   920 1 SH   SOLE   0 0 1
JP Morgan Chase & Co COM 46137V522   40,129 258 SH   SOLE   0 0 258
Invesco Raymond James COM 46137V522   78,050 1,269 SH   SOLE   0 0 1,269
Invitation Homes Incorpo COM 46187W107   1,193 32 SH   SOLE   0 0 32
Ishares Core Msci Eafe ETF 46432F842   29,719 397 SH   SOLE   0 0 397
Ishares Msci Acwi Lw ETF 46434V464   40,672 245 SH   SOLE   0 0 245
iShares iBonds Dec 2023 ETF 46434VAX8   6,177,481 236,912 SH   SOLE   0 0 236,912
Ishares Ibonds Dec ETF 46434VBA7   6,099,683 240,145 SH   SOLE   0 0 240,145
iShare iBonds Dec 2025 ETF 46434VBD1   5,939,770 220,073 SH   SOLE   0 0 220,073
iShares iBonds Dec 2024 ETF 46434VBG4   6,154,336 233,384 SH   SOLE   0 0 233,384
Ishares Ibonds Dec ETF 46434VBK5   4,971,165 200,612 SH   SOLE   0 0 200,612
iShares iBonds Dec 2026 ETF 46435GAA0   1,132,788 42,570 SH   SOLE   0 0 42,570
Ishares Broad Usd Hg Yld ETF 46435U853   6,091 146 SH   SOLE   0 0 146
iShares iBonds Dec 2027 ETF 46435UAA9   143,419 5,302 SH   SOLE   0 0 5,302
Isoray Inc COM 46489V104   177 222 SH   SOLE   0 0 222
Keysight Tech Inc COM 49338L103   3,243 21 SH   SOLE   0 0 21
L H C Group COM 50187A107   601 3 SH   SOLE   0 0 3
Macys Inc COM 55616P104   7,584 400 SH   SOLE   0 0 400
Market Vectors Etf ETF 57060U522   2,856 91 SH   SOLE   0 0 91
Mastercard Inc COM 57636Q104   1,825 5 SH   SOLE   0 0 5
Metlife Inc COM 59156R108   718 12 SH   SOLE   0 0 12
Mid America Apartment Co COM 59522J103   1,516 9 SH   SOLE   0 0 9
Monster Beverage Corpora COM 61174X109   548 6 SH   SOLE   0 0 6
Netflix Inc COM 64110L106   1,585 3 SH   SOLE   0 0 3
Nextera Energy Inc COM 65339F101   1,319 18 SH   SOLE   0 0 18
Nvidia Corp COM 67066G104   3,200 4 SH   SOLE   0 0 4
Nuveen Div Advan Muni ETF 67071L106   44,078 2,468 SH   SOLE   0 0 2,468
Pareteum Corporation COM 69946T207   0 1 SH   SOLE   0 0 1
Paypal Holdings Incorpor COM 70450Y103   2,332 8 SH   SOLE   0 0 8
Pure Storage Inc COM 74624M102   1,367 70 SH   SOLE   0 0 70
SPDR Trust Unit SR ETF 78462F103   46,659 109 SH   SOLE   0 0 109
Spdr Msci Acwi Ex-Us ETF 78463X848   10,602,254 351,068 SH   SOLE   0 0 351,068
Spdr Portfolio Dvlpd ETF 78463X889   538,826 14,646 SH   SOLE   0 0 14,646
Spdr Intrmdt Trm Crprate ETF 78464A375   3,890 106 SH   SOLE   0 0 106
Spdr Global Dow Etf ETF 78464A706   538,609 4,867 SH   SOLE   0 0 4,867
Diamonds Trust-Unit Series 1 ETF 78467X109   82,788 240 SH   SOLE   0 0 240
Spdr Ssga Gender ETF 78468R747   46,634 459 SH   SOLE   0 0 459
Spdr S&P 500 Fossil Fuel ETF 78468R796   66,231 624 SH   SOLE   0 0 624
Sanofi Adr ADR 80105N105   1,474 28 SH   SOLE   0 0 28
Seagen Inc COM 81181C104   474 3 SH   SOLE   0 0 3
Service Now Inc COM 81762P102   1,099 2 SH   SOLE   0 0 2
Snap Inc COM 83304A106   613 9 SH   SOLE   0 0 9
Sorrento Therapeutcs COM 83587F202   1,454 150 SH   SOLE   0 0 150
10x Genomics Inc COM 88025U109   587 3 SH   SOLE   0 0 3
Tesla Motors Inc COM 88160R101   7,545 11 SH   SOLE   0 0 11
Truist Finl Corp COM 89832Q109   833 15 SH   SOLE   0 0 15
United Healthcare Corp COM 91324P102   1,602 4 SH   SOLE   0 0 4
Valero Energy Corp New COM 91913Y100   781 10 SH   SOLE   0 0 10
Vanguard Short Term Cor ETF 92206C409   4,053 49 SH   SOLE   0 0 49
Verizon Communications COM 92343V104   2,297 41 SH   SOLE   0 0 41
Verisk Analytics Inc COM 92345Y106   524 3 SH   SOLE   0 0 3
Viatris Inc COM 92556V106   886 62 SH   SOLE   0 0 62
Visa Inc Cl A COM 92826C839   3,040 13 SH   SOLE   0 0 13
Wisdomtree Div Top ETF 97717W406   71,475 735 SH   SOLE   0 0 735
Workday Inc COM 98138H101   1,432 6 SH   SOLE   0 0 6
Zimmer Holdings Inc COM 98956P102   2,091 13 SH   SOLE   0 0 13
Arch Cap Group Ltd COM G0450A105   1,402 36 SH   SOLE   0 0 36
Atlassian Corp Plc COM G06242104   771 3 SH   SOLE   0 0 3
Capri Holdings Ltd COM G1890L107   1,258 22 SH   SOLE   0 0 22
Johnson Controls Inc COM G51502105   1,716 25 SH   SOLE   0 0 25
Linde Plc COM G5494J103   578 2 SH   SOLE   0 0 2
Medtronic Inc COM G5960L103   2,483 20 SH   SOLE   0 0 20
Aptiv Plc COM G6095L109   629 4 SH   SOLE   0 0 4
Royalty Pharma Plc COM G7709Q104   492 12 SH   SOLE   0 0 12
Cyberark Softwre Ltd COM M2682V108   2,605 20 SH   SOLE   0 0 20
Fiverr Interntnl Ltd COM M4R82T106   4,850 20 SH   SOLE   0 0 20