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
3M CO COM 88579Y101 274 2,121 SH   SOLE   0 0 2,121
ADVANCED MICRO DEVICES INC COM 007903107 322 4,215 SH   SOLE   0 0 4,215
AFLAC INC COM 001055102 389 7,033 SH   SOLE   0 0 7,033
ALLSTATE CORP COM 020002101 337 2,658 SH   SOLE   0 0 2,658
ALPHABET INC CAP STK CL C 02079K107 374 171 SH   SOLE   0 0 171
AMAZON COM INC COM 023135106 411 3,869 SH   SOLE   0 0 3,869
AMER STATES WTR CO COM 029899101 496 6,082 SH   SOLE   0 0 6,082
APPLE INC COM 037833100 6,316 46,199 SH   SOLE   0 0 46,199
AUTOMATIC DATA PROCESSING IN COM 053015103 432 2,055 SH   SOLE   0 0 2,055
AUTOZONE INC COM 053332102 2,959 1,377 SH   SOLE   0 0 1,377
BATH & BODY WORKS INC COM 070830104 1,313 48,770 SH   SOLE   0 0 48,770
BAXTER INTL INC COM 071813109 283 4,399 SH   SOLE   0 0 4,399
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 381 1,396 SH   SOLE   0 0 1,396
BEST BUY INC COM 086516101 272 4,168 SH   SOLE   0 0 4,168
BLACKROCK TCP CAPITAL CORP COM 09259E108 213 17,000 SH   SOLE   0 0 17,000
BOEING CO COM 097023105 269 1,965 SH   SOLE   0 0 1,965
CADENCE DESIGN SYSTEM INC COM 127387108 309 2,060 SH   SOLE   0 0 2,060
CATERPILLAR INC COM 149123101 305 1,706 SH   SOLE   0 0 1,706
CHEVRON CORP NEW COM 166764100 1,704 11,773 SH   SOLE   0 0 11,773
CISCO SYS INC COM 17275R102 515 12,086 SH   SOLE   0 0 12,086
COCA COLA CO COM 191216100 230 3,652 SH   SOLE   0 0 3,652
COHEN & STEERS QUALITY INCOM COM 19247L106 156 11,500 SH   SOLE   0 0 11,500
CONSOLIDATED EDISON INC COM 209115104 253 2,662 SH   SOLE   0 0 2,662
CUMMINS INC COM 231021106 277 1,430 SH   SOLE   0 0 1,430
CVB FINL CORP COM 126600105 273 11,008 SH   SOLE   0 0 11,008
CVS HEALTH CORP COM 126650100 239 2,575 SH   SOLE   0 0 2,575
DENISON MINES CORP COM 248356107 17 17,425 SH   SOLE   0 0 17,425
DISNEY WALT CO COM 254687106 210 2,228 SH   SOLE   0 0 2,228
DOMINOS PIZZA INC COM 25754A201 2,320 5,954 SH   SOLE   0 0 5,954
DTE ENERGY CO COM 233331107 219 1,730 SH   SOLE   0 0 1,730
EDISON INTL COM 281020107 478 7,560 SH   SOLE   0 0 7,560
EDWARDS LIFESCIENCES CORP COM 28176E108 1,209 12,717 SH   SOLE   0 0 12,717
EMERSON ELEC CO COM 291011104 506 6,367 SH   SOLE   0 0 6,367
EMX RTY CORP COM 26873J107 51 27,563 SH   SOLE   0 0 27,563
ETON PHARMACEUTICALS INC COM 29772L108 28 10,633 SH   SOLE   0 0 10,633
EXXON MOBIL CORP COM 30231G102 392 4,582 SH   SOLE   0 0 4,582
FASTENAL CO COM 311900104 311 6,227 SH   SOLE   0 0 6,227
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200 222 10,225 SH   SOLE   0 0 10,225
FIRST TR EXCHANGE-TRADED FD INDXX INOVTV ETF 33741X201 264 7,800 SH   SOLE   0 0 7,800
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118 272 5,420 SH   SOLE   0 0 5,420
FIRST TR MORNINGSTAR DIVID L SHS 336917109 443 12,572 SH   SOLE   0 0 12,572
FORTINET INC COM 34959E109 2,497 44,139 SH   SOLE   0 0 44,139
FORUM ENERGY TECHNOLOGIES IN NOTE 9.000% 8/0 34984VAC4 10 10,042 PRN   SOLE   0 0 10,042
GENERAL DYNAMICS CORP COM 369550108 674 3,046 SH   SOLE   0 0 3,046
GENERAL MLS INC COM 370334104 529 7,005 SH   SOLE   0 0 7,005
GILEAD SCIENCES INC COM 375558103 9,614 155,548 SH   SOLE   0 0 155,548
HEWLETT PACKARD ENTERPRISE C COM 42824C109 261 19,688 SH   SOLE   0 0 19,688
HOME DEPOT INC COM 437076102 661 2,410 SH   SOLE   0 0 2,410
HONEYWELL INTL INC COM 438516106 556 3,200 SH   SOLE   0 0 3,200
HP INC COM 40434L105 2,583 78,788 SH   SOLE   0 0 78,788
IDEXX LABS INC COM 45168D104 1,699 4,845 SH   SOLE   0 0 4,845
INTEL CORP COM 458140100 387 10,345 SH   SOLE   0 0 10,345
INTERNATIONAL BUSINESS MACHS COM 459200101 465 3,295 SH   SOLE   0 0 3,295
INVESCO EXCH TRADED FD TR II KBW PREM YIELD 46138E594 232 10,500 SH   SOLE   0 0 10,500
ISHARES INC CORE MSCI EMKT 46434G103 3,644 74,277 SH   SOLE   0 0 74,277
ISHARES TR CORE MSCI INTL 46435G326 3,344 62,235 SH   SOLE   0 0 62,235
ISHARES TR CORE S&P500 ETF 464287200 489 1,290 SH   SOLE   0 0 1,290
ISHARES TR CORE US AGGBD ET 464287226 434 4,271 SH   SOLE   0 0 4,271
ISHARES TR IBOXX HI YD ETF 464288513 10,883 147,853 SH   SOLE   0 0 147,853
ISHARES TR JPMORGAN USD EMG 464288281 6,167 72,281 SH   SOLE   0 0 72,281
ISHARES TR MSCI EAFE ETF 464287465 8,443 135,109 SH   SOLE   0 0 135,109
ISHARES TR MSCI EMG MKT ETF 464287234 2,378 59,302 SH   SOLE   0 0 59,302
ISHARES TR S&P 500 GRWT ETF 464287309 8,223 136,262 SH   SOLE   0 0 136,262
ISHARES TR S&P 500 VAL ETF 464287408 6,765 49,215 SH   SOLE   0 0 49,215
ISHARES TR SP SMCP600VL ETF 464287879 8,419 94,567 SH   SOLE   0 0 94,567
JOHNSON & JOHNSON COM 478160104 523 2,945 SH   SOLE   0 0 2,945
JPMORGAN CHASE & CO COM 46625H100 247 2,194 SH   SOLE   0 0 2,194
LOCKHEED MARTIN CORP COM 539830109 531 1,234 SH   SOLE   0 0 1,234
MASCO CORP COM 574599106 821 16,217 SH   SOLE   0 0 16,217
MASTERCARD INCORPORATED CL A 57636Q104 2,741 8,688 SH   SOLE   0 0 8,688
MCDONALDS CORP COM 580135101 422 1,711 SH   SOLE   0 0 1,711
MCKESSON CORP COM 58155Q103 3,577 10,965 SH   SOLE   0 0 10,965
MERCK & CO INC COM 58933Y105 526 5,765 SH   SOLE   0 0 5,765
META PLATFORMS INC CL A 30303M102 1,752 10,868 SH   SOLE   0 0 10,868
METLIFE INC COM 59156R108 361 5,752 SH   SOLE   0 0 5,752
METTLER TOLEDO INTERNATIONAL COM 592688105 1,982 1,725 SH   SOLE   0 0 1,725
MICROSOFT CORP COM 594918104 894 3,482 SH   SOLE   0 0 3,482
MODERNA INC COM 60770K107 2,185 15,297 SH   SOLE   0 0 15,297
NETAPP INC COM 64110D104 2,160 33,115 SH   SOLE   0 0 33,115
NEWMONT CORP COM 651639106 244 4,082 SH   SOLE   0 0 4,082
NVIDIA CORPORATION COM 67066G104 284 1,872 SH   SOLE   0 0 1,872
OREILLY AUTOMOTIVE INC COM 67103H107 2,543 4,025 SH   SOLE   0 0 4,025
OTIS WORLDWIDE CORP COM 68902V107 2,515 35,582 SH   SOLE   0 0 35,582
OWL ROCK CAPITAL CORPORATION COM 69121K104 152 12,300 SH   SOLE   0 0 12,300
PAYCHEX INC COM 704326107 378 3,318 SH   SOLE   0 0 3,318
PHILIP MORRIS INTL INC COM 718172109 214 2,169 SH   SOLE   0 0 2,169
PROCTER AND GAMBLE CO COM 742718109 1,273 8,853 SH   SOLE   0 0 8,853
PROLOGIS INC. COM 74340W103 1,257 10,687 SH   SOLE   0 0 10,687
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,233 12,831 SH   SOLE   0 0 12,831
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 10,508 181,205 SH   SOLE   0 0 181,205
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 11,962 191,643 SH   SOLE   0 0 191,643
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,951 5,171 SH   SOLE   0 0 5,171
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,038 14,726 SH   SOLE   0 0 14,726
SPDR SER TR S&P 600 SMCP VAL 78464A300 913 12,606 SH   SOLE   0 0 12,606
STARBUCKS CORP COM 855244109 326 4,263 SH   SOLE   0 0 4,263
TESLA INC COM 88160R101 539 800 SH   SOLE   0 0 800
TEXAS INSTRS INC COM 882508104 2,826 18,396 SH   SOLE   0 0 18,396
UNITEDHEALTH GROUP INC COM 91324P102 1,156 2,250 SH   SOLE   0 0 2,250
VALERO ENERGY CORP COM 91913Y100 271 2,552 SH   SOLE   0 0 2,552
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,160 80,223 SH   SOLE   0 0 80,223
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 60,748 807,179 SH   SOLE   0 0 807,179
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 8,049 162,469 SH   SOLE   0 0 162,469
VANGUARD INDEX FDS GROWTH ETF 922908736 19,329 86,718 SH   SOLE   0 0 86,718
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,550 49,936 SH   SOLE   0 0 49,936
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,542 10,294 SH   SOLE   0 0 10,294
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,644 13,419 SH   SOLE   0 0 13,419
VANGUARD INDEX FDS TOTAL STK MKT 922908769 306 1,624 SH   SOLE   0 0 1,624
VANGUARD INDEX FDS VALUE ETF 922908744 44,626 338,381 SH   SOLE   0 0 338,381
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,539 277,045 SH   SOLE   0 0 277,045
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 342 4,995 SH   SOLE   0 0 4,995
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 491 3,420 SH   SOLE   0 0 3,420
VANGUARD STAR FDS VG TL INTL STK F 921909768 8,032 155,636 SH   SOLE   0 0 155,636
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 17,910 438,970 SH   SOLE   0 0 438,970
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 202 2,144 SH   SOLE   0 0 2,144
VERISIGN INC COM 92343E102 2,147 12,830 SH   SOLE   0 0 12,830
VISA INC COM CL A 92826C839 207 1,049 SH   SOLE   0 0 1,049
WALMART INC COM 931142103 278 2,287 SH   SOLE   0 0 2,287
WEC ENERGY GROUP INC COM 92939U106 237 2,358 SH   SOLE   0 0 2,358
YUM BRANDS INC COM 988498101 2,495 21,980 SH   SOLE   0 0 21,980