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
ISHARES TR CORE S&P MCP ETF 464287507 5,334 27,608 SH   SOLE   0 0 27,608
ISHARES TR CORE S&P500 ETF 464287200 13,136 44,300 SH   SOLE   0 0 44,300
ISHARES TR RUSSELL 2000 ETF 464287655 5,279 34,215 SH   SOLE   0 0 34,215
ISHARES TR U.S. REAL ES ETF 464287739 268 2,996 SH   SOLE   0 0 2,996
AMAZON COM INC COM 023135106 4,584 2,471 SH   SOLE   0 0 2,471
BRISTOL MYERS SQUIBB CO COM 110122108 1,380 30,531 SH   SOLE   0 0 30,531
BOEING CO COM 097023105 326 976 SH   SOLE   0 0 976
INVESCO QQQ TR UNIT SER 1 46090E103 15,073 79,270 SH   SOLE   0 0 79,270
AMGEN INC COM 031162100 4,564 24,538 SH   SOLE   0 0 24,538
ABBOTT LABS COM 002824100 1,499 17,411 SH   SOLE   0 0 17,411
ALTRIA GROUP INC COM 02209S103 1,819 37,995 SH   SOLE   0 0 37,995
INTEL CORP COM 458140100 2,386 48,196 SH   SOLE   0 0 48,196
ILLINOIS TOOL WKS INC COM 452308109 307 2,030 SH   SOLE   0 0 2,030
ORACLE CORP COM 68389X105 228 4,083 SH   SOLE   0 0 4,083
HONEYWELL INTL INC COM 438516106 246 1,452 SH   SOLE   0 0 1,452
SEMPRA ENERGY COM 816851109 209 1,540 SH   SOLE   0 0 1,540
JOHNSON & JOHNSON COM 478160104 2,372 18,209 SH   SOLE   0 0 18,209
PFIZER INC COM 717081103 920 24,041 SH   SOLE   0 0 24,041
CHEVRON CORP NEW COM 166764100 3,900 32,298 SH   SOLE   0 0 32,298
MICROSOFT CORP COM 594918104 2,473 17,914 SH   SOLE   0 0 17,914
UNITED PARCEL SERVICE INC CL B 911312106 915 7,823 SH   SOLE   0 0 7,823
AT&T INC COM 00206R102 9,572 280,537 SH   SOLE   0 0 280,537
CISCO SYS INC COM 17275R102 907 16,369 SH   SOLE   0 0 16,369
INTERNATIONAL BUSINESS MACHS COM 459200101 2,115 14,067 SH   SOLE   0 0 14,067
COCA COLA CO COM 191216100 809 15,539 SH   SOLE   0 0 15,539
LOCKHEED MARTIN CORP COM 539830109 818 2,254 SH   SOLE   0 0 2,254
PEPSICO INC COM 713448108 1,180 9,280 SH   SOLE   0 0 9,280
VERIZON COMMUNICATIONS INC COM 92343V104 2,772 50,158 SH   SOLE   0 0 50,158
DEERE & CO COM 244199105 724 4,494 SH   SOLE   0 0 4,494
BANK AMER CORP COM 060505104 973 32,984 SH   SOLE   0 0 32,984
EXXON MOBIL CORP COM 30231G102 1,329 18,347 SH   SOLE   0 0 18,347
WALMART INC COM 931142103 1,849 16,908 SH   SOLE   0 0 16,908
APPLIED MATLS INC COM 038222105 613 12,642 SH   SOLE   0 0 12,642
TEXAS INSTRS INC COM 882508104 519 4,204 SH   SOLE   0 0 4,204
TOTAL S A SPONSORED ADS 89151E109 695 13,650 SH   SOLE   0 0 13,650
COLGATE PALMOLIVE CO COM 194162103 977 13,715 SH   SOLE   0 0 13,715
COSTCO WHSL CORP NEW COM 22160K105 320 1,166 SH   SOLE   0 0 1,166
LILLY ELI & CO COM 532457108 1,865 16,879 SH   SOLE   0 0 16,879
MERCK & CO INC COM 58933Y105 1,055 12,605 SH   SOLE   0 0 12,605
PROCTER AND GAMBLE CO COM 742718109 1,084 9,287 SH   SOLE   0 0 9,287
KIMBERLY CLARK CORP COM 494368103 284 2,100 SH   SOLE   0 0 2,100
GOLDMAN SACHS GROUP INC COM 38141G104 1,612 7,617 SH   SOLE   0 0 7,617
MCDONALDS CORP COM 580135101 2,317 10,968 SH   SOLE   0 0 10,968
NIKE INC CL B 654106103 384 4,619 SH   SOLE   0 0 4,619
WELLS FARGO CO NEW COM 949746101 6,148 130,643 SH   SOLE   0 0 130,643
WESTAMERICA BANCORPORATION COM 957090103 909 14,539 SH   SOLE   0 0 14,539
ISHARES TR 1 3 YR TREAS BD 464287457 482 5,694 SH   SOLE   0 0 5,694
ISHARES TR IBOXX INV CP ETF 464287242 1,615 12,920 SH   SOLE   0 0 12,920
UNITED TECHNOLOGIES CORP COM 913017109 1,037 7,867 SH   SOLE   0 0 7,867
3M CO COM 88579Y101 228 1,314 SH   SOLE   0 0 1,314
CSX CORP COM 126408103 203 3,000 SH   SOLE   0 0 3,000
APPLE INC COM 037833100 7,664 36,768 SH   SOLE   0 0 36,768
NEKTAR THERAPEUTICS COM 640268108 414 13,274 SH   SOLE   0 0 13,274
CATERPILLAR INC DEL COM 149123101 1,217 9,600 SH   SOLE   0 0 9,600
ISHARES TR MSCI EMG MKT ETF 464287234 1,529 37,332 SH   SOLE   0 0 37,332
DTE ENERGY CO COM 233331107 910 7,053 SH   SOLE   0 0 7,053
GENERAL MLS INC COM 370334104 381 7,053 SH   SOLE   0 0 7,053
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,952 47,599 SH   SOLE   0 0 47,599
PAYCHEX INC COM 704326107 277 3,300 SH   SOLE   0 0 3,300
ISHARES TR CORE US AGGBD ET 464287226 4,913 43,900 SH   SOLE   0 0 43,900
ISHARES TR TIPS BD ETF 464287176 2,185 18,937 SH   SOLE   0 0 18,937
NVIDIA CORP COM 67066G104 6,383 38,703 SH   SOLE   0 0 38,703
ALPHABET INC CAP STK CL A 02079K305 2,350 1,939 SH   SOLE   0 0 1,939
VANGUARD INDEX FDS MID CAP ETF 922908629 1,896 11,341 SH   SOLE   0 0 11,341
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,181 16,910 SH   SOLE   0 0 16,910
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,724 19,391 SH   SOLE   0 0 19,391
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 659 11,210 SH   SOLE   0 0 11,210
SEAGATE TECHNOLOGY PLC SHS G7945M107 311 6,722 SH   SOLE   0 0 6,722
VANGUARD INDEX FDS SML CP GRW ETF 922908595 919 4,896 SH   SOLE   0 0 4,896
SPDR SERIES TRUST S&P DIVID ETF 78464A763 619 6,172 SH   SOLE   0 0 6,172
BANK OF MARIN BANCORP COM 063425102 2,984 70,589 SH   SOLE   0 0 70,589
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 977 6,505 SH   SOLE   0 0 6,505
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,149 19,376 SH   SOLE   0 0 19,376
ISHARES TR IBOXX HI YD ETF 464288513 1,487 17,188 SH   SOLE   0 0 17,188
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 6,285 78,045 SH   SOLE   0 0 78,045
ISHARES TR PFD AND INCM SEC 464288687 323 8,678 SH   SOLE   0 0 8,678
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,080 51,100 SH   SOLE   0 0 51,100
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 1,013 35,414 SH   SOLE   0 0 35,414
ISHARES TR JPMORGAN USD EMG 464288281 324 2,850 SH   SOLE   0 0 2,850
ISHARES TR EAFE SML CP ETF 464288273 1,392 24,742 SH   SOLE   0 0 24,742
PHILIP MORRIS INTL INC COM 718172109 395 4,795 SH   SOLE   0 0 4,795
HENNESSY ADVISORS INC COM 425885100 977 98,636 SH   SOLE   0 0 98,636
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,389 204,181 SH   SOLE   0 0 204,181
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 21,833 309,256 SH   SOLE   0 0 309,256
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,279 45,980 SH   SOLE   0 0 45,980
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,992 35,523 SH   SOLE   0 0 35,523
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,567 62,054 SH   SOLE   0 0 62,054
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,137 55,178 SH   SOLE   0 0 55,178
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 6,913 129,942 SH   SOLE   0 0 129,942
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,101 58,308 SH   SOLE   0 0 58,308
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 440 15,130 SH   SOLE   0 0 15,130
FACEBOOK INC CL A 30303M102 1,690 8,768 SH   SOLE   0 0 8,768
ABBVIE INC COM 00287Y109 2,663 40,473 SH   SOLE   0 0 40,473
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 260 6,911 SH   SOLE   0 0 6,911
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 321 11,908 SH   SOLE   0 0 11,908
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 376 9,613 SH   SOLE   0 0 9,613
TWITTER INC COM 90184L102 702 16,676 SH   SOLE   0 0 16,676
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 9,333 56,342 SH   SOLE   0 0 56,342
DUPONT DE NEMOURS INC COM 26614N102 317 4,427 SH   SOLE   0 0 4,427
WELLS FARGO CO NEW COM 949746101 10 25,000 SH Call SOLE   0 0 25,000
WELLS FARGO CO NEW COM 949746101 11 15,000 SH Call SOLE   0 0 15,000
WELLS FARGO CO NEW COM 949746101 35 25,000 SH Call SOLE   0 0 25,000
WELLS FARGO CO NEW COM 949746101 47 20,000 SH Call SOLE   0 0 20,000
DOW INC COM 260557103 207 4,428 SH   SOLE   0 0 4,428
UBER TECHNOLOGIES INC COM 90353T100 289 7,000 SH   SOLE   0 0 7,000
PROSHARES TR SHORT S&P 500 NE 74347B425 15 10,000 SH Call SOLE   0 0 10,000