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
BERKSHIRE HATHAWAY INC DEL CL A 084670108 813 2 SH   SOLE   0 0 2
NVR INC COM 62944T105 658 165 SH   SOLE   0 0 165
METTLER TOLEDO INTERNATIONAL COM 592688105 217 200 SH   SOLE   0 0 200
ABRDN PALLADIUM ETF TRUST PHYSICAL PALLADM 003262102 223 1,110 SH   SOLE   0 0 1,110
INTUITIVE SURGICAL INC COM NEW 46120E602 223 1,190 SH   SOLE   0 0 1,190
MARKEL CORP COM 570535104 1,350 1,245 SH   SOLE   0 0 1,245
TELEDYNE TECHNOLOGIES INC COM 879360105 448 1,328 SH   SOLE   0 0 1,328
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 558 1,388 SH   SOLE   0 0 1,388
LOCKHEED MARTIN CORP COM 539830109 543 1,406 SH   SOLE   0 0 1,406
WASTE MGMT INC DEL COM 94106L109 229 1,430 SH   SOLE   0 0 1,430
REPUBLIC SVCS INC COM 760759100 231 1,700 SH   SOLE   0 0 1,700
ISHARES TR EAFE SML CP ETF 464288273 98 2,000 SH   SOLE   0 0 2,000
CAPITAL ONE FINL CORP COM 14040H105 184 2,000 SH   SOLE   0 0 2,000
UNITED RENTALS INC COM 911363109 540 2,000 SH   SOLE   0 0 2,000
HUMANA INC COM 444859102 970 2,000 SH   SOLE   0 0 2,000
FORTIS INC COM 349553107 77 2,030 SH   SOLE   0 0 2,030
OTIS WORLDWIDE CORP COM 68902V107 137 2,153 SH   SOLE   0 0 2,153
CIGNA CORP NEW COM 125523100 632 2,276 SH   SOLE   0 0 2,276
ILLUMINA INC COM 452327109 477 2,500 SH   SOLE   0 0 2,500
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 178 2,600 SH   SOLE   0 0 2,600
INGERSOLL RAND INC COM 45687V106 115 2,669 SH   SOLE   0 0 2,669
GILEAD SCIENCES INC COM 375558103 169 2,737 SH   SOLE   0 0 2,737
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 219 2,890 SH   SOLE   0 0 2,890
VANGUARD INDEX FDS SML CP GRW ETF 922908595 565 2,896 SH   SOLE   0 0 2,896
AFLAC INC COM 001055102 168 2,990 SH   SOLE   0 0 2,990
ISHARES TR NATIONAL MUN ETF 464288414 307 2,997 SH   SOLE   0 0 2,997
NETAPP INC COM 64110D104 186 3,000 SH   SOLE   0 0 3,000
ISHARES TR S&P MC 400VL ETF 464287705 270 3,000 SH   SOLE   0 0 3,000
TRANE TECHNOLOGIES PLC SHS G8994E103 441 3,045 SH   SOLE   0 0 3,045
HAWAIIAN ELEC INDUSTRIES COM 419870100 107 3,073 SH   SOLE   0 0 3,073
HARTFORD FINL SVCS GROUP INC COM 416515104 196 3,170 SH   SOLE   0 0 3,170
ATI INC COM 01741R102 84 3,175 SH   SOLE   0 0 3,175
PAYCHEX INC COM 704326107 357 3,185 SH   SOLE   0 0 3,185
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 393 3,226 SH   SOLE   0 0 3,226
SOUTHERN CO COM 842587107 221 3,248 SH   SOLE   0 0 3,248
PHILLIPS 66 COM 718546104 269 3,332 SH   SOLE   0 0 3,332
ISHARES TR GLOBAL 100 ETF 464287572 199 3,340 SH   SOLE   0 0 3,340
DANAHER CORPORATION COM 235851102 870 3,370 SH   SOLE   0 0 3,370
FEDEX CORP COM 31428X106 501 3,377 SH   SOLE   0 0 3,377
EATON CORP PLC SHS G29183103 451 3,384 SH   SOLE   0 0 3,384
NORTHROP GRUMMAN CORP COM 666807102 1,593 3,388 SH   SOLE   0 0 3,388
ISHARES TR CORE S&P MCP ETF 464287507 755 3,445 SH   SOLE   0 0 3,445
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 166 3,450 SH   SOLE   0 0 3,450
DONALDSON INC COM 257651109 172 3,500 SH   SOLE   0 0 3,500
CARMAX INC COM 143130102 231 3,500 SH   SOLE   0 0 3,500
US BANCORP DEL COM NEW 902973304 149 3,691 SH   SOLE   0 0 3,691
ISHARES TR S&P 500 GRWT ETF 464287309 230 3,972 SH   SOLE   0 0 3,972
CONAGRA BRANDS INC COM 205887102 130 3,995 SH   SOLE   0 0 3,995
MARATHON OIL CORP COM 565849106 90 4,000 SH   SOLE   0 0 4,000
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 385 4,000 SH   SOLE   0 0 4,000
ZIMMER BIOMET HOLDINGS INC COM 98956P102 422 4,040 SH   SOLE   0 0 4,040
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 192 4,050 SH   SOLE   0 0 4,050
MADISON SQUARE GRDN ENTERTNM CL A 55826T102 181 4,096 SH   SOLE   0 0 4,096
TESLA INC COM 88160R101 1,110 4,185 SH   SOLE   0 0 4,185
CARRIER GLOBAL CORPORATION COM 14448C104 153 4,307 SH   SOLE   0 0 4,307
GENERAL ELECTRIC CO COM NEW 369604301 273 4,409 SH   SOLE   0 0 4,409
ISHARES TR RUS MID CAP ETF 464287499 274 4,409 SH   SOLE   0 0 4,409
QUALCOMM INC COM 747525103 521 4,613 SH   SOLE   0 0 4,613
ISHARES TR RUSSELL 2000 ETF 464287655 763 4,628 SH   SOLE   0 0 4,628
TARGET CORP COM 87612E106 691 4,654 SH   SOLE   0 0 4,654
STATE STR CORP COM 857477103 298 4,900 SH   SOLE   0 0 4,900
VANGUARD INDEX FDS SM CP VAL ETF 922908611 708 4,937 SH   SOLE   0 0 4,937
CATERPILLAR INC COM 149123101 823 5,018 SH   SOLE   0 0 5,018
DOW INC COM 260557103 222 5,061 SH   SOLE   0 0 5,061
VANECK ETF TRUST GOLD MINERS ETF 92189F106 123 5,095 SH   SOLE   0 0 5,095
NEWMONT CORP COM 651639106 217 5,172 SH   SOLE   0 0 5,172
ILLINOIS TOOL WKS INC COM 452308109 978 5,412 SH   SOLE   0 0 5,412
ALLIANT ENERGY CORP COM 018802108 297 5,600 SH   SOLE   0 0 5,600
HERSHEY CO COM 427866108 1,235 5,600 SH   SOLE   0 0 5,600
COPART INC COM 217204106 606 5,700 SH   SOLE   0 0 5,700
VANECK ETF TRUST BIOTECH ETF 92189F726 802 5,700 SH   SOLE   0 0 5,700
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 1,709 5,950 SH   SOLE   0 0 5,950
PROGRESSIVE CORP COM 743315103 705 6,065 SH   SOLE   0 0 6,065
AUTOMATIC DATA PROCESSING IN COM 053015103 1,392 6,155 SH   SOLE   0 0 6,155
VANGUARD BD INDEX FDS INTERMED TERM 921937819 457 6,217 SH   SOLE   0 0 6,217
ISHARES TR CORE S&P500 ETF 464287200 2,239 6,244 SH   SOLE   0 0 6,244
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,087 6,361 SH   SOLE   0 0 6,361
GENUINE PARTS CO COM 372460105 951 6,369 SH   SOLE   0 0 6,369
BOEING CO COM 097023105 804 6,642 SH   SOLE   0 0 6,642
CORTEVA INC COM 22052L104 397 6,951 SH   SOLE   0 0 6,951
ECOLAB INC COM 278865100 1,021 7,070 SH   SOLE   0 0 7,070
ISHARES TR MSCI EMG MKT ETF 464287234 249 7,135 SH   SOLE   0 0 7,135
STARBUCKS CORP COM 855244109 620 7,360 SH   SOLE   0 0 7,360
HANNON ARMSTRONG SUST INFR C COM 41068X100 222 7,406 SH   SOLE   0 0 7,406
RAYONIER INC COM 754907103 230 7,682 SH   SOLE   0 0 7,682
APPLIED MATLS INC COM 038222105 655 8,000 SH   SOLE   0 0 8,000
ESSENTIAL UTILS INC COM 29670G102 338 8,168 SH   SOLE   0 0 8,168
SPDR SER TR S&P 400 MDCP GRW 78464A821 509 8,428 SH   SOLE   0 0 8,428
REALTY INCOME CORP COM 756109104 501 8,609 SH   SOLE   0 0 8,609
CITIGROUP INC COM NEW 172967424 375 9,010 SH   SOLE   0 0 9,010
GENERAL MLS INC COM 370334104 707 9,225 SH   SOLE   0 0 9,225
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,341 9,353 SH   SOLE   0 0 9,353
CONOCOPHILLIPS COM 20825C104 967 9,451 SH   SOLE   0 0 9,451
DUPONT DE NEMOURS INC COM 26614N102 483 9,591 SH   SOLE   0 0 9,591
MERCK & CO INC COM 58933Y105 834 9,683 SH   SOLE   0 0 9,683
PIMCO MUN INCOME FD III COM 72201A103 77 10,000 SH   SOLE   0 0 10,000
PIMCO MUN INCOME FD COM 72200R107 97 10,000 SH   SOLE   0 0 10,000
AMERICAN EXPRESS CO COM 025816109 1,363 10,103 SH   SOLE   0 0 10,103
AMERICAN ELEC PWR CO INC COM 025537101 880 10,175 SH   SOLE   0 0 10,175
MEDTRONIC PLC SHS G5960L103 836 10,353 SH   SOLE   0 0 10,353
LINDE PLC SHS G5494J103 2,804 10,400 SH   SOLE   0 0 10,400
ISHARES TR CORE S&P US VLU 464287663 653 10,427 SH   SOLE   0 0 10,427
GSK PLC SPONSORED ADR 37733W204 315 10,693 SH   SOLE   0 0 10,693
UNITEDHEALTH GROUP INC COM 91324P102 5,459 10,809 SH   SOLE   0 0 10,809
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 393 10,818 SH   SOLE   0 0 10,818
CANADIAN PAC RY LTD COM 13645T100 724 10,850 SH   SOLE   0 0 10,850
PRICE T ROWE GROUP INC COM 74144T108 1,141 10,870 SH   SOLE   0 0 10,870
KIMBERLY-CLARK CORP COM 494368103 1,246 11,067 SH   SOLE   0 0 11,067
CLOROX CO DEL COM 189054109 1,442 11,235 SH   SOLE   0 0 11,235
EPAM SYS INC COM 29414B104 4,096 11,310 SH   SOLE   0 0 11,310
ISHARES TR TIPS BD ETF 464287176 1,196 11,399 SH   SOLE   0 0 11,399
NEXTERA ENERGY INC COM 65339F101 897 11,435 SH   SOLE   0 0 11,435
ISHARES TR PFD AND INCM SEC 464288687 370 11,675 SH   SOLE   0 0 11,675
AT&T INC COM 00206R102 186 12,117 SH   SOLE   0 0 12,117
LILLY ELI & CO COM 532457108 3,948 12,210 SH   SOLE   0 0 12,210
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 447 12,239 SH   SOLE   0 0 12,239
SCHWAB STRATEGIC TR US TIPS ETF 808524870 638 12,325 SH   SOLE   0 0 12,325
HALEON PLC SPON ADS 405552100 75 12,368 SH   SOLE   0 0 12,368
UNITED PARCEL SERVICE INC CL B 911312106 2,007 12,427 SH   SOLE   0 0 12,427
CSX CORP COM 126408103 332 12,475 SH   SOLE   0 0 12,475
BECTON DICKINSON & CO COM 075887109 2,892 12,977 SH   SOLE   0 0 12,977
NUVEEN CALIFORNIA MUNI VLU F COM STK 67062C107 114 13,818 SH   SOLE   0 0 13,818
COSTCO WHSL CORP NEW COM 22160K105 6,766 14,326 SH   SOLE   0 0 14,326
SANDSTORM GOLD LTD COM NEW 80013R206 79 15,255 SH   SOLE   0 0 15,255
COLGATE PALMOLIVE CO COM 194162103 1,091 15,531 SH   SOLE   0 0 15,531
LOWES COS INC COM 548661107 2,954 15,726 SH   SOLE   0 0 15,726
INTERNATIONAL BUSINESS MACHS COM 459200101 1,925 16,204 SH   SOLE   0 0 16,204
BLACKROCK INC COM 09247X101 9,067 16,478 SH   SOLE   0 0 16,478
HOME DEPOT INC COM 437076102 4,607 16,696 SH   SOLE   0 0 16,696
PHILIP MORRIS INTL INC COM 718172109 1,439 17,335 SH   SOLE   0 0 17,335
INVESCO QQQ TR UNIT SER 1 46090E103 4,662 17,445 SH   SOLE   0 0 17,445
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,318 17,615 SH   SOLE   0 0 17,615
VANGUARD INDEX FDS MID CAP ETF 922908629 3,552 18,893 SH   SOLE   0 0 18,893
DEERE & CO COM 244199105 6,363 19,056 SH   SOLE   0 0 19,056
NORFOLK SOUTHN CORP COM 655844108 4,129 19,693 SH   SOLE   0 0 19,693
FISERV INC COM 337738108 1,844 19,702 SH   SOLE   0 0 19,702
ORACLE CORP COM 68389X105 1,220 19,985 SH   SOLE   0 0 19,985
PIMCO CALIF MUN INCOME FD II COM 72200M108 128 20,000 SH   SOLE   0 0 20,000
PIMCO CALIF MUN INCOME FD II COM 72201C109 146 20,000 SH   SOLE   0 0 20,000
META PLATFORMS INC CL A 30303M102 2,718 20,036 SH   SOLE   0 0 20,036
TJX COS INC NEW COM 872540109 1,263 20,324 SH   SOLE   0 0 20,324
ROSS STORES INC COM 778296103 1,741 20,655 SH   SOLE   0 0 20,655
SCHWAB CHARLES CORP COM 808513105 1,518 21,126 SH   SOLE   0 0 21,126
VIATRIS INC COM 92556V106 182 21,407 SH   SOLE   0 0 21,407
UNILEVER PLC SPON ADR NEW 904767704 964 21,990 SH   SOLE   0 0 21,990
NUVEEN CALIFORNIA AMT QLT MU COM 670651108 260 22,046 SH   SOLE   0 0 22,046
MOODYS CORP COM 615369105 5,447 22,406 SH   SOLE   0 0 22,406
HONEYWELL INTL INC COM 438516106 3,852 23,073 SH   SOLE   0 0 23,073
WEYERHAEUSER CO MTN BE COM NEW 962166104 676 23,653 SH   SOLE   0 0 23,653
BK OF AMERICA CORP COM 060505104 735 24,338 SH   SOLE   0 0 24,338
SMUCKER J M CO COM NEW 832696405 3,361 24,462 SH   SOLE   0 0 24,462
PIMCO CALIF MUN INCOME FD COM 72200N106 346 25,000 SH   SOLE   0 0 25,000
MONDELEZ INTL INC CL A 609207105 1,416 25,817 SH   SOLE   0 0 25,817
SPOTIFY TECHNOLOGY S A SHS L8681T102 2,281 26,430 SH   SOLE   0 0 26,430
WALMART INC COM 931142103 3,483 26,857 SH   SOLE   0 0 26,857
CUMMINS INC COM 231021106 5,640 27,715 SH   SOLE   0 0 27,715
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,047 28,122 SH   SOLE   0 0 28,122
WELLS FARGO CO NEW COM 949746101 1,173 29,168 SH   SOLE   0 0 29,168
ROKU INC COM CL A 77543R102 1,701 30,161 SH   SOLE   0 0 30,161
ISHARES TR U.S. MED DVC ETF 464288810 1,433 30,363 SH   SOLE   0 0 30,363
ALTRIA GROUP INC COM 02209S103 1,250 30,957 SH   SOLE   0 0 30,957
SYSCO CORP COM 871829107 2,234 31,589 SH   SOLE   0 0 31,589
DIAGEO PLC SPON ADR NEW 25243Q205 5,389 31,733 SH   SOLE   0 0 31,733
NIKE INC CL B 654106103 2,806 33,764 SH   SOLE   0 0 33,764
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,737 34,140 SH   SOLE   0 0 34,140
AMERICAN TOWER CORP NEW COM 03027X100 7,330 34,141 SH   SOLE   0 0 34,141
COCA COLA CO COM 191216100 1,944 34,697 SH   SOLE   0 0 34,697
PAYPAL HLDGS INC COM 70450Y103 3,099 36,002 SH   SOLE   0 0 36,002
AMGEN INC COM 031162100 9,020 40,017 SH   SOLE   0 0 40,017
FASTENAL CO COM 311900104 1,951 42,380 SH   SOLE   0 0 42,380
CYBERARK SOFTWARE LTD SHS M2682V108 6,729 44,876 SH   SOLE   0 0 44,876
UNION PAC CORP COM 907818108 8,803 45,183 SH   SOLE   0 0 45,183
JPMORGAN CHASE & CO COM 46625H100 4,798 45,914 SH   SOLE   0 0 45,914
EMERSON ELEC CO COM 291011104 3,465 47,321 SH   SOLE   0 0 47,321
MASTERCARD INCORPORATED CL A 57636Q104 13,575 47,743 SH   SOLE   0 0 47,743
ETSY INC COM 29786A106 4,807 48,011 SH   SOLE   0 0 48,011
NUVEEN CA QUALTY MUN INCOME COM 67066Y105 532 48,541 SH   SOLE   0 0 48,541
AUTODESK INC COM 052769106 9,086 48,638 SH   SOLE   0 0 48,638
AVALARA INC COM 05338G106 4,582 49,915 SH   SOLE   0 0 49,915
VANGUARD WORLD FDS UTILITIES ETF 92204A876 7,302 51,328 SH   SOLE   0 0 51,328
CVB FINL CORP COM 126600105 1,301 51,371 SH   SOLE   0 0 51,371
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 7,570 56,007 SH   SOLE   0 0 56,007
MCDONALDS CORP COM 580135101 13,281 57,558 SH   SOLE   0 0 57,558
ALAUNOS THERAPEUTICS INC COM 98973P101 105 61,000 SH   SOLE   0 0 61,000
3M CO COM 88579Y101 7,246 65,572 SH   SOLE   0 0 65,572
WORKDAY INC CL A 98138H101 10,270 67,466 SH   SOLE   0 0 67,466
BRISTOL-MYERS SQUIBB CO COM 110122108 4,843 68,128 SH   SOLE   0 0 68,128
VISA INC COM CL A 92826C839 14,634 82,375 SH   SOLE   0 0 82,375
EXXON MOBIL CORP COM 30231G102 7,933 90,860 SH   SOLE   0 0 90,860
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 24,695 92,484 SH   SOLE   0 0 92,484
PEPSICO INC COM 713448108 15,291 93,659 SH   SOLE   0 0 93,659
ABBVIE INC COM 00287Y109 12,931 96,350 SH   SOLE   0 0 96,350
CHEVRON CORP NEW COM 166764100 14,780 102,873 SH   SOLE   0 0 102,873
INTEL CORP COM 458140100 2,761 107,146 SH   SOLE   0 0 107,146
DISNEY WALT CO COM 254687106 11,343 120,246 SH   SOLE   0 0 120,246
ISHARES TR SHORT TREAS BD 464288679 13,727 124,793 SH   SOLE   0 0 124,793
ISHARES TR 1 3 YR TREAS BD 464287457 10,333 127,243 SH   SOLE   0 0 127,243
RAYTHEON TECHNOLOGIES CORP COM 75513E101 10,999 134,365 SH   SOLE   0 0 134,365
JOHNSON & JOHNSON COM 478160104 22,212 135,968 SH   SOLE   0 0 135,968
NOVARTIS AG SPONSORED ADR 66987V109 11,051 145,389 SH   SOLE   0 0 145,389
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 11,347 152,755 SH   SOLE   0 0 152,755
ISHARES TR 7-10 YR TRSY BD 464287440 15,535 161,837 SH   SOLE   0 0 161,837
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 15,410 162,415 SH   SOLE   0 0 162,415
TEXAS INSTRS INC COM 882508104 28,615 184,875 SH   SOLE   0 0 184,875
ALPHABET INC CAP STK CL C 02079K107 19,824 206,182 SH   SOLE   0 0 206,182
VANGUARD STAR FDS VG TL INTL STK F 921909768 10,047 219,513 SH   SOLE   0 0 219,513
ABBOTT LABS COM 002824100 21,257 219,685 SH   SOLE   0 0 219,685
KKR & CO INC COM 48251W104 9,825 228,480 SH   SOLE   0 0 228,480
VERIZON COMMUNICATIONS INC COM 92343V104 9,265 244,003 SH   SOLE   0 0 244,003
PFIZER INC COM 717081103 10,691 244,307 SH   SOLE   0 0 244,307
MICROSOFT CORP COM 594918104 60,576 260,093 SH   SOLE   0 0 260,093
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 11,646 289,836 SH   SOLE   0 0 289,836
AMAZON COM INC COM 023135106 33,616 297,488 SH   SOLE   0 0 297,488
CISCO SYS INC COM 17275R102 12,400 309,992 SH   SOLE   0 0 309,992
ALPHABET INC CAP STK CL A 02079K305 32,667 341,529 SH   SOLE   0 0 341,529
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 27,258 382,138 SH   SOLE   0 0 382,138
APPLE INC COM 037833100 71,562 517,817 SH   SOLE   0 0 517,817
ISHARES GOLD TR ISHARES NEW 464285204 17,304 548,805 SH   SOLE   0 0 548,805
PROCTER AND GAMBLE CO COM 742718109 309,250 2,449,507 SH   SOLE   0 0 2,449,507