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
Abbott Laboratories Common 002824100 1,960 13,923 SH   SOLE   12,923 0 1,000
AbbVie Inc Com Common 00287Y109 843 6,225 SH   SOLE   5,225 0 1,000
Amazon Com Inc Common 023135106 920 276 SH   SOLE   276 0 0
Amgen Common 031162100 820 3,645 SH   SOLE   3,170 0 475
Apple Common 037833100 6,648 37,437 SH   SOLE   37,437 0 0
Applied Materials Common 038222105 1,032 6,561 SH   SOLE   5,561 0 1,000
ARK Genomic Revolution Common 00214Q302 224 3,660 SH   SOLE   3,660 0 0
Automatic Data Processing Common 053015103 564 2,286 SH   SOLE   2,286 0 0
Bank Of New York Co Common 064058100 500 8,615 SH   SOLE   8,215 0 400
Berkshire Hathaway Inc Del Cl B Class B 084670702 329 1,100 SH   SOLE   1,100 0 0
Brookfield Asset Mgmt Inc Com Common 10549P606 214 3,543 SH   SOLE   3,543 0 0
Caterpillar Common 149123101 1,317 6,371 SH   SOLE   5,771 0 600
Chevron Corp Common 166764100 488 4,160 SH   SOLE   2,960 0 1,200
Cisco Systems Common 17275R102 1,006 15,881 SH   SOLE   13,881 0 2,000
Citigroup Common 172967424 377 6,244 SH   SOLE   6,244 0 0
Costco Wholesale Common 22160K105 431 759 SH   SOLE   759 0 0
Cummins Inc Common 231021106 651 2,984 SH   SOLE   2,584 0 400
CVS Caremark Corp Common 126650100 1,032 10,002 SH   SOLE   8,402 0 1,600
Cyber Security ETF Common 26924G201 341 5,545 SH   SOLE   5,545 0 0
Duke Energy Common 26441C105 900 8,584 SH   SOLE   8,012 0 572
Eastman Chemical Common 277432100 569 4,703 SH   SOLE   4,703 0 0
Emerson Electric Common 291011104 478 5,141 SH   SOLE   5,141 0 0
Exxon Mobil Common 30231G102 311 5,075 SH   SOLE   4,675 0 400
General Mills Common 370334104 868 12,879 SH   SOLE   10,879 0 2,000
Goldman Sachs Group Common 38141G104 370 968 SH   SOLE   968 0 0
Google Inc Class C Class C 02079K107 767 265 SH   SOLE   265 0 0
Home Depot Common 437076102 625 1,505 SH   SOLE   1,505 0 0
Honeywell International Common 438516106 1,316 6,313 SH   SOLE   5,463 0 850
Illinois Tool Works Common 452308109 1,369 5,545 SH   SOLE   5,545 0 0
Intel Common 458140100 686 13,328 SH   SOLE   13,328 0 0
International Business Machines Common 459200101 391 2,926 SH   SOLE   2,926 0 0
Invesco Emerging Markets Sovere Common 46138E784 401 15,200 SH   SOLE   15,200 0 0
Invesco Preferred ETF Common 46138E511 471 31,400 SH   SOLE   31,400 0 0
Invesco QQQ Trust Common 46090E103 243 611 SH   SOLE   611 0 0
iShares Dj US Home Const Common 464288752 523 6,305 SH   SOLE   6,305 0 0
iShares Emerging Markets ETF Common 464287234 333 6,815 SH   SOLE   6,815 0 0
iShares Exponential Technology Common 46434V381 763 11,546 SH   SOLE   11,546 0 0
iShares Fallen Angels Common 46435G474 1,334 44,515 SH   SOLE   44,515 0 0
iShares Russell Micro-Cap ETF Common 464288869 325 2,325 SH   SOLE   2,325 0 0
iShares S&P US Preferred Stock Common 464288687 532 13,500 SH   SOLE   13,500 0 0
iShars Kld 400 Social Idx Common 464288570 257 2,770 SH   SOLE   2,770 0 0
Johnson & Johnson Common 478160104 1,965 11,488 SH   SOLE   10,988 0 500
JPMorgan & Co Common 46625H100 493 3,111 SH   SOLE   3,111 0 0
Lowe's Common 548661107 1,383 5,350 SH   SOLE   5,350 0 0
Medtronic Common G5960L103 349 3,378 SH   SOLE   3,104 0 274
Microsoft Common 594918104 2,918 8,677 SH   SOLE   8,677 0 0
Nextera Energy Common 65339F101 2,015 21,583 SH   SOLE   16,783 0 4,800
Novo Nordisk A/S ADR Fmly No Common 670100205 3,104 27,715 SH   SOLE   24,715 0 3,000
Nucor Corp Common 670346105 217 1,900 SH   SOLE   1,900 0 0
Oracle Common 68389X105 1,535 17,600 SH   SOLE   13,600 0 4,000
Pepsico Common 713448108 2,319 13,352 SH   SOLE   12,552 0 800
Procter & Gamble Common 742718109 2,130 13,020 SH   SOLE   12,370 0 650
Qualcomm Common 747525103 602 3,295 SH   SOLE   2,095 0 1,200
Quest Diagnostics Inc Com Common 74834L100 260 1,500 SH   SOLE   500 0 1,000
Robo Global Robotics Common 301505707 330 4,700 SH   SOLE   4,700 0 0
S & P Depository Receipts Common 78462F103 777 1,636 SH   SOLE   1,596 0 40
Salesforce Com Common 79466L302 312 1,227 SH   SOLE   1,227 0 0
Santa Cruz Cnty Bank Common 801827106 424 8,954 SH   SOLE   8,954 0 0
Schwab Charles Corp New Common 808513105 2,180 25,921 SH   SOLE   25,921 0 0
Schwab Emg Mkt Eq ETF Common 808524706 565 19,059 SH   SOLE   19,059 0 0
Schwab International Equity ETF Common 808524805 1,080 27,780 SH   SOLE   27,780 0 0
Schwab Int'l Small Cap Common 808524888 262 6,400 SH   SOLE   6,400 0 0
Schwab US Broad Market ETF Common 808524102 4,414 39,060 SH   SOLE   39,060 0 0
Schwab US Mid-Cap ETF Common 808524508 750 9,330 SH   SOLE   9,330 0 0
Schwab US Small Cap ETF Common 808524607 1,004 9,807 SH   SOLE   9,807 0 0
SPDR Devlpd Ex-US ETF Common 78463X889 372 10,200 SH   SOLE   10,200 0 0
SPDR Energy Sector ETF Common 81369Y506 431 7,759 SH   SOLE   6,639 0 1,120
SPDR Health Care Select Sctr ET Common 81369Y209 1,319 9,365 SH   SOLE   9,365 0 0
SPDR High Yield Bond Common 78468R622 837 7,708 SH   SOLE   7,308 0 400
SPDR Materials Common 81369Y100 1,523 16,813 SH   SOLE   15,813 0 1,000
SPDR S&P Hi Yld Div Aristocrat Common 78464A763 271 2,100 SH   SOLE   2,100 0 0
SPDR Technology Sector ETF Common 81369Y803 484 2,785 SH   SOLE   2,785 0 0
SPDR Total Stock Mrk Common 78464A805 275 4,700 SH   SOLE   4,700 0 0
SPDR Utilities Select ETF Common 81369Y886 1,983 27,699 SH   SOLE   26,159 0 1,540
Starbucks Common 855244109 1,099 9,394 SH   SOLE   9,394 0 0
Stryker Common 863667101 2,108 7,881 SH   SOLE   7,081 0 800
Sysco Corporation Common 871829107 926 11,789 SH   SOLE   11,589 0 200
Target Common 87612E106 221 953 SH   SOLE   953 0 0
Tesla Motors Inc Common 88160R101 259 245 SH   SOLE   245 0 0
Travelers Co. Common 89417E109 883 5,644 SH   SOLE   5,644 0 0
Union Pacific Corp Common 907818108 769 3,050 SH   SOLE   3,050 0 0
United Parcel Service Common 911312106 1,214 5,665 SH   SOLE   5,165 0 500
United Rentals Inc Common 911363109 221 665 SH   SOLE   665 0 0
Unitedhealth Group Inc Com Common 91324P102 1,239 2,467 SH   SOLE   2,467 0 0
Vaneck Vectors Fallen Common 92189F437 2,792 84,680 SH   SOLE   84,380 0 300
Vanguard Dividend Appreciation Common 921908844 1,368 7,963 SH   SOLE   7,833 0 130
Vanguard Emerging Markets ETF Common 922042858 1,394 28,191 SH   SOLE   28,091 0 100
Vanguard Financials ETF Common 92204A405 225 2,325 SH   SOLE   2,325 0 0
Vanguard FTSE All-World Ex-U Common 922042775 1,400 22,852 SH   SOLE   22,852 0 0
Vanguard FTSE Developed Mkt E Common 921943858 260 5,100 SH   SOLE   5,100 0 0
Vanguard Health Care ETF Common 92204A504 266 1,000 SH   SOLE   1,000 0 0
Vanguard Index Growth ETF Common 922908736 2,519 7,849 SH   SOLE   7,849 0 0
Vanguard Index Mid-Cap Growth Common 922908538 306 1,200 SH   SOLE   1,200 0 0
Vanguard Index Small Cap ETF Common 922908751 4,069 18,002 SH   SOLE   18,002 0 0
Vanguard Mid Cap Index ETF Common 922908629 3,231 12,682 SH   SOLE   12,682 0 0
Vanguard REIT ETF Common 922908553 626 5,400 SH   SOLE   5,400 0 0
Vanguard Total Stock Mkt ETF Common 922908769 6,718 27,825 SH   SOLE   26,825 0 1,000
Vanguard Total World Common 922042742 242 2,250 SH   SOLE   2,250 0 0
Vanguard Value ETF Common 922908744 883 6,000 SH   SOLE   6,000 0 0
Verizon Common 92343V104 909 17,491 SH   SOLE   16,046 0 1,445
Wal Mart Stores Common 931142103 1,023 7,072 SH   SOLE   6,972 0 100
Wells Fargo & Co Common 949746101 649 13,525 SH   SOLE   11,525 0 2,000
Western Asset High Incm Common 42967Q105 501 96,425 SH   SOLE   86,425 0 10,000
Wisdomtr Small Cap Earnings ET Common 97717W562 278 5,400 SH   SOLE   5,400 0 0