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
Expires: July 31, 2015
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
ABBVIE INC COM 00287Y109 547,080 2,008 SH SOLE 0 0 2,008
ADVANCED MICRO DEVICES INC COM 007903107 253,858 409 SH SOLE 0 0 409
AFLAC INC COM 001055102 1,075,514 9,357 SH SOLE 0 0 9,357
ALPHABET INC CAP STK CL A 02079K305 1,841,652 5,288 SH SOLE 0 0 5,288
ALPHABET INC CAP STK CL C 02079K107 718,366 2,083 SH SOLE 0 0 2,083
ALPS ETF TR SECTR DIV DOGS 00162Q858 272,253 3,925 SH SOLE 0 0 3,925
AMAZON COM INC COM 023135106 1,924,204 7,574 SH SOLE 0 0 7,574
AMERICAN ELEC PWR CO INC COM 025537101 464,799 3,800 SH SOLE 0 0 3,800
AMGEN INC COM 031162100 2,290,815 5,622 SH SOLE 0 0 5,622
APPLE INC COM 037833100 4,355,137 12,793 SH SOLE 0 0 12,793
AUTOZONE INC COM 053332102 704,351 242 SH SOLE 0 0 242
BANK OF AMER CORP COM 060505104 511,006 9,532 SH SOLE 0 0 9,532
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,012,901 1,982 SH SOLE 0 0 1,982
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 2,608,661 37,208 SH SOLE 0 0 37,208
BLACKROCK ETF TRUST ISHA US AWAR ETF 09290C509 271,118 3,272 SH SOLE 0 0 3,272
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 1,015,327 22,801 SH SOLE 0 0 22,801
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 601,212 12,058 SH SOLE 0 0 12,058
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 1,075,745 22,600 SH SOLE 0 0 22,600
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 2,000,402 55,644 SH SOLE 0 0 55,644
BLACKROCK ETF TRUST ISHA SYST AL ETF 09290C665 684,730 22,893 SH SOLE 0 0 22,893
BLACKROCK ETF TRUST II ISHA GLO USD ETF 092528835 377,673 7,596 SH SOLE 0 0 7,596
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 912,764 18,021 SH SOLE 0 0 18,021
BRISTOL-MYERS SQUIBB CO COM 110122108 325,281 5,460 SH SOLE 0 0 5,460
BROADCOM INC COM 11135F101 1,972,888 5,478 SH SOLE 0 0 5,478
CALAMOS CONV & HIGH INCOME F COM SHS 12811P108 234,287 19,688 SH SOLE 0 0 19,688
CATERPILLAR INC COM 149123101 510,403 641 SH SOLE 0 0 641
CHEVRON CORPORATION COM 166764100 511,225 2,417 SH SOLE 0 0 2,417
CISCO SYS INC COM 17275R102 327,073 2,847 SH SOLE 0 0 2,847
COCA COLA CO COM 191216100 228,594 2,604 SH SOLE 0 0 2,604
COSTCO WHOLESALE CORPORATION COM 22160K105 991,540 1,046 SH SOLE 0 0 1,046
CVS HEALTH CORP COM 126650100 454,325 5,175 SH SOLE 0 0 5,175
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 295,311 2,493 SH SOLE 0 0 2,493
ECHOSTAR CORP CL A 278768106 206,046 2,207 SH SOLE 0 0 2,207
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 621,595 3,689 SH SOLE 0 0 3,689
FEDEX CORP COM 31428X106 618,176 2,119 SH SOLE 0 0 2,119
FLEXSHARES TR NORTHERN TR MOR 33939L100 235,670 839 SH SOLE 0 0 839
FLEXSHARES TR NRTRN TR QLT DIV 33939L860 274,395 3,000 SH SOLE 0 0 3,000
GLOBAL X FDS DEFENSE TECH ETF 37960A529 521,060 8,803 SH SOLE 0 0 8,803
INTEL CORP COM 458140100 502,741 4,695 SH SOLE 0 0 4,695
INTERNATIONAL BUSINESS MACHS COM 459200101 238,295 1,052 SH SOLE 0 0 1,052
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 626,923 2,959 SH SOLE 0 0 2,959
INVESCO QQQ TR UNIT SER 1 46090E103 2,267,806 3,034 SH SOLE 0 0 3,034
ISHARES INC CORE MSCI EMKT 46434G103 503,120 6,250 SH SOLE 0 0 6,250
ISHARES TR CORE MSCI EAFE 46432F842 256,452 2,675 SH SOLE 0 0 2,675
ISHARES TR CORE 1 5 YR USD 46432F859 2,723,490 57,640 SH SOLE 0 0 57,640
ISHARES TR MSCI USA VALUE 46432F388 227,737 1,138 SH SOLE 0 0 1,138
ISHARES TR MSCI USA QLT FCT 46432F339 797,108 3,525 SH SOLE 0 0 3,525
ISHARES TR TRS FLT RT BD 46434V860 21,438,097 424,013 SH SOLE 0 0 424,013
ISHARES TR MSCI USA MIN ETF 46429B697 395,725 3,956 SH SOLE 0 0 3,956
ISHARES TR 3 7 YR TREAS BD 464288661 492,780 4,339 SH SOLE 0 0 4,339
ISHARES TR EAFE VALUE ETF 464288877 281,082 3,605 SH SOLE 0 0 3,605
ISHARES TR IBONDS OCT 2026 46438G505 525,371 20,482 SH SOLE 0 0 20,482
ISHARES TR IBONDS OCT 2027 46438G604 506,247 19,599 SH SOLE 0 0 19,599
ISHARES TR IBONDS OCT 2029 46438G802 491,601 19,354 SH SOLE 0 0 19,354
ISHARES TR IBONDS OCT 2030 46438G885 630,981 25,109 SH SOLE 0 0 25,109
ISHARES TR IBONDS OCT 2028 46438G703 504,378 19,656 SH SOLE 0 0 19,656
ISHARES TR IBOND DEC 2030 46436E593 13,339,513 701,895 SH SOLE 0 0 701,895
ISHARES TR IBONDS DEC 2031 46436E460 343,628 17,631 SH SOLE 0 0 17,631
ISHARES TR IBONDS 29 TRM TS 46436E825 14,024,276 660,121 SH SOLE 0 0 660,121
ISHARES TR IBONDS 26 TRM TS 46436E858 18,100,280 792,655 SH SOLE 0 0 792,655
ISHARES TR IBONDS 27 TRM TS 46436E841 18,783,451 843,063 SH SOLE 0 0 843,063
ISHARES TR IBONDS 28 TRM TS 46436E833 18,471,376 843,249 SH SOLE 0 0 843,249
ISHARES TR SYSTEMATIC BD ET 46435U796 244,974 2,909 SH SOLE 0 0 2,909
ISHARES TR ESG AWR MSCI USA 46435G425 751,414 4,436 SH SOLE 0 0 4,436
ISHARES TR 0-5 YR TIPS ETF 46429B747 275,468 2,750 SH SOLE 0 0 2,750
ISHARES TR ESG MSCI LEADR 46435U218 432,262 3,130 SH SOLE 0 0 3,130
ISHARES TR S&P MC 400VL ETF 464287705 351,481 2,507 SH SOLE 0 0 2,507
ISHARES TR S&P MC 400GR ETF 464287606 429,627 3,874 SH SOLE 0 0 3,874
ISHARES TR S&P 500 VAL ETF 464287408 1,033,201 4,450 SH SOLE 0 0 4,450
ISHARES TR CORE S&P500 ETF 464287200 2,181,501 2,807 SH SOLE 0 0 2,807
ISHARES TR S&P 500 GRWT ETF 464287309 1,738,014 12,062 SH SOLE 0 0 12,062
ISHARES TR RUS 1000 GRW ETF 464287614 464,639 3,655 SH SOLE 0 0 3,655
ISHARES TR MSCI EAFE ETF 464287465 391,184 3,809 SH SOLE 0 0 3,809
ISHARES TR U.S. TECH ETF 464287721 1,503,532 5,619 SH SOLE 0 0 5,619
ISHARES TR SELECT DIVID ETF 464287168 1,072,167 6,898 SH SOLE 0 0 6,898
ISHARES TR MORNINGSTAR GRWT 464287119 688,333 5,811 SH SOLE 0 0 5,811
ITT INC COM 45073V108 218,570 1,100 SH SOLE 0 0 1,100
JEFFERIES FINANCIAL GROUP IN COM 47233W109 234,210 5,275 SH SOLE 0 0 5,275
JOHNSON & JOHNSON COM 478160104 343,483 1,339 SH SOLE 0 0 1,339
JPMORGAN CHASE & CO COM 46625H100 746,834 2,253 SH SOLE 0 0 2,253
MCDONALDS CORP COM 580135101 452,269 1,909 SH SOLE 0 0 1,909
MCKESSON CORP COM 58155Q103 476,288 512 SH SOLE 0 0 512
MERCK & CO INC COM 58933Y105 645,277 4,532 SH SOLE 0 0 4,532
META PLATFORMS INC CL A 30303M102 413,596 574 SH SOLE 0 0 574
MICRON TECHNOLOGY INC COM 595112103 248,604 240 SH SOLE 0 0 240
MICROSOFT CORP COM 594918104 3,057,426 5,850 SH SOLE 0 0 5,850
NEXTERA ENERGY INC COM 65339F101 386,284 4,993 SH SOLE 0 0 4,993
NUVEEN CA DIVI ADV MUN COM 67066Y105 124,180 12,418 SH SOLE 0 0 12,418
NVIDIA CORPORATION COM 67066G104 1,417,263 6,149 SH SOLE 0 0 6,149
ONEOK INC NEW COM 30609A109 231,413 2,563 SH SOLE 0 0 2,563
PALO ALTO NETWORKS INC COM 697435105 201,641 506 SH SOLE 0 0 506
PFIZER INC COM 717081103 297,088 10,679 SH SOLE 0 0 10,679
PHILIP MORRIS INTL INC COM 718172109 555,044 2,768 SH SOLE 0 0 2,768
PPL CORP COM 69351T106 370,891 10,877 SH SOLE 0 0 10,877
PROCTER & GAMBLE CO COM 742718109 414,846 2,755 SH SOLE 0 0 2,755
PROSHARES TR PSHS ULT S&P 500 74347R107 456,256 6,400 SH SOLE 0 0 6,400
QUALCOMM INC COM 747525103 1,223,885 6,953 SH SOLE 0 0 6,953
RTX CORPORATION COM 75513E101 433,314 2,351 SH SOLE 0 0 2,351
SCHEIN HENRY INC COM 806407102 333,781 3,944 SH SOLE 0 0 3,944
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 295,285 9,691 SH SOLE 0 0 9,691
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 934,664 8,340 SH SOLE 0 0 8,340
SELECT SECTOR SPDR TR ST STR MATER ETF 81369Y100 278,853 5,660 SH SOLE 0 0 5,660
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 300,672 4,609 SH SOLE 0 0 4,609
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 1,370,145 25,265 SH SOLE 0 0 25,265
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 1,020,692 6,061 SH SOLE 0 0 6,061
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 6,772,089 34,241 SH SOLE 0 0 34,241
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 676,413 8,109 SH SOLE 0 0 8,109
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 1,127,336 6,704 SH SOLE 0 0 6,704
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 1,349,389 12,079 SH SOLE 0 0 12,079
SEMPRA COM 816851109 1,722,579 21,511 SH SOLE 0 0 21,511
SIERRA BANCORP COM 82620P102 452,053 11,381 SH SOLE 0 0 11,381
SOUTHERN CO COM 842587107 293,082 3,402 SH SOLE 0 0 3,402
SPDR GOLD TR GOLD SHS 78463V107 681,137 1,799 SH SOLE 0 0 1,799
SPDR SERIES TRUST ST STR SP DIV 78464A763 765,140 5,122 SH SOLE 0 0 5,122
SPDR SERIES TRUST ST STR P500ETF 78464A854 21,732,341 238,633 SH SOLE 0 0 238,633
SPDR SERIES TRUST ST SHO TREAS ETF 78468R101 5,790,709 201,978 SH SOLE 0 0 201,978
SPDR SERIES TRUST ST STR P500VAL 78464A508 1,546,643 24,870 SH SOLE 0 0 24,870
SPDR SERIES TRUST ST STR P500GRW 78464A409 2,470,834 19,809 SH SOLE 0 0 19,809
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD TR 85207H104 572,520 18,350 SH SOLE 0 0 18,350
STARBUCKS CORP COM 855244109 400,318 4,295 SH SOLE 0 0 4,295
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 14,222,918 27,798 SH SOLE 0 0 27,798
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 33,709,434 43,556 SH SOLE 0 0 43,556
SYSCO CORP COM 871829107 394,863 5,049 SH SOLE 0 0 5,049
TARGET CORP COM 87612E106 369,226 2,386 SH SOLE 0 0 2,386
TESLA INC COM 88160R101 328,500 876 SH SOLE 0 0 876
TRAVELERS COMPANIES INC COM 89417E109 283,257 765 SH SOLE 0 0 765
UNITED PARCEL SVCS INC CL B 911312106 241,116 2,562 SH SOLE 0 0 2,562
US BANCORP COM NEW 902973304 267,071 4,683 SH SOLE 0 0 4,683
VANGUARD BD INDEX FDS INTERMED TERM 921937819 363,610 4,983 SH SOLE 0 0 4,983
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 277,720 3,955 SH SOLE 0 0 3,955
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 25,809,710 36,286 SH SOLE 0 0 36,286
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 541,608 2,466 SH SOLE 0 0 2,466
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 359,665 4,473 SH SOLE 0 0 4,473
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 1,539,241 16,857 SH SOLE 0 0 16,857
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 402,107 1,725 SH SOLE 0 0 1,725
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 465,019 1,225 SH SOLE 0 0 1,225
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 223,736 1,953 SH SOLE 0 0 1,953
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,256,693 9,506 SH SOLE 0 0 9,506
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 342,369 4,901 SH SOLE 0 0 4,901
VANGUARD WORLD FD MRNGSTR MEGA CAP 921910816 200,133 2,135 SH SOLE 0 0 2,135
VANGUARD WORLD FD INF TECH ETF 92204A702 481,951 3,787 SH SOLE 0 0 3,787
VANGUARD WORLD FD UTILITIES ETF 92204A876 202,234 1,138 SH SOLE 0 0 1,138
VERIZON COMMUNICATIONS INC COM 92343V104 348,357 7,516 SH SOLE 0 0 7,516
WALMART INC COM 931142103 620,777 5,615 SH SOLE 0 0 5,615
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 1,171,388 23,228 SH SOLE 0 0 23,228
WORLD GOLD TR SPDR GLD MINIS 98149E303 260,605 3,189 SH SOLE 0 0 3,189
WP CAREY INC COM 92936U109 220,829 3,498 SH SOLE 0 0 3,498