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 263 2,383 SH   SOLE   0 0 2,383
ADVANCED MICRO DEVICES INC COM 007903107 267 4,215 SH   SOLE   0 0 4,215
AFLAC INC COM 001055102 391 6,961 SH   SOLE   0 0 6,961
ALLSTATE CORP COM 020002101 326 2,616 SH   SOLE   0 0 2,616
ALPHABET INC CAP STK CL C 02079K107 321 3,336 SH   SOLE   0 0 3,336
AMAZON COM INC COM 023135106 425 3,757 SH   SOLE   0 0 3,757
AMCOR PLC ORD G0250X107 143 13,367 SH   SOLE   0 0 13,367
AMER STATES WTR CO COM 029899101 474 6,082 SH   SOLE   0 0 6,082
APPLE INC COM 037833100 6,258 45,281 SH   SOLE   0 0 45,281
AUTOMATIC DATA PROCESSING IN COM 053015103 461 2,038 SH   SOLE   0 0 2,038
AUTOZONE INC COM 053332102 2,919 1,363 SH   SOLE   0 0 1,363
BATH & BODY WORKS INC COM 070830104 1,646 50,495 SH   SOLE   0 0 50,495
BAXTER INTL INC COM 071813109 237 4,399 SH   SOLE   0 0 4,399
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 419 1,571 SH   SOLE   0 0 1,571
BEST BUY INC COM 086516101 281 4,439 SH   SOLE   0 0 4,439
BLACKROCK TCP CAPITAL CORP COM 09259E108 186 17,000 SH   SOLE   0 0 17,000
BOEING CO COM 097023105 234 1,935 SH   SOLE   0 0 1,935
BROADCOM INC COM 11135F101 251 566 SH   SOLE   0 0 566
CADENCE DESIGN SYSTEM INC COM 127387108 337 2,060 SH   SOLE   0 0 2,060
CHEVRON CORP NEW COM 166764100 1,699 11,823 SH   SOLE   0 0 11,823
CISCO SYS INC COM 17275R102 498 12,458 SH   SOLE   0 0 12,458
COCA COLA CO COM 191216100 237 4,237 SH   SOLE   0 0 4,237
COHEN & STEERS QUALITY INCOM COM 19247L106 129 11,500 SH   SOLE   0 0 11,500
CONSOLIDATED EDISON INC COM 209115104 258 3,008 SH   SOLE   0 0 3,008
CUMMINS INC COM 231021106 325 1,599 SH   SOLE   0 0 1,599
CVB FINL CORP COM 126600105 227 8,982 SH   SOLE   0 0 8,982
CVS HEALTH CORP COM 126650100 240 2,513 SH   SOLE   0 0 2,513
DENISON MINES CORP COM 248356107 21 17,425 SH   SOLE   0 0 17,425
DOMINOS PIZZA INC COM 25754A201 1,878 6,053 SH   SOLE   0 0 6,053
DTE ENERGY CO COM 233331107 227 1,972 SH   SOLE   0 0 1,972
EATON VANCE RISK-MANAGED DIV COM 27829G106 181 21,935 SH   SOLE   0 0 21,935
EATON VANCE TAX-MANAGED BUY- COM 27828Y108 189 14,401 SH   SOLE   0 0 14,401
EDISON INTL COM 281020107 299 5,281 SH   SOLE   0 0 5,281
EDWARDS LIFESCIENCES CORP COM 28176E108 1,064 12,874 SH   SOLE   0 0 12,874
EMERSON ELEC CO COM 291011104 465 6,344 SH   SOLE   0 0 6,344
EMX RTY CORP COM 26873J107 51 27,563 SH   SOLE   0 0 27,563
ETON PHARMACEUTICALS INC COM 29772L108 22 10,633 SH   SOLE   0 0 10,633
EXXON MOBIL CORP COM 30231G102 400 4,582 SH   SOLE   0 0 4,582
FASTENAL CO COM 311900104 287 6,229 SH   SOLE   0 0 6,229
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118 202 4,620 SH   SOLE   0 0 4,620
FIRST TR MORNINGSTAR DIVID L SHS 336917109 404 12,572 SH   SOLE   0 0 12,572
FORTINET INC COM 34959E109 2,198 44,746 SH   SOLE   0 0 44,746
FORUM ENERGY TECHNOLOGIES IN NOTE 9.000% 8/0 34984VAC4 10 10,042 PRN   SOLE   0 0 10,042
GENERAL DYNAMICS CORP COM 369550108 638 3,007 SH   SOLE   0 0 3,007
GENERAL MLS INC COM 370334104 550 7,184 SH   SOLE   0 0 7,184
GILEAD SCIENCES INC COM 375558103 9,596 155,548 SH   SOLE   0 0 155,548
HEWLETT PACKARD ENTERPRISE C COM 42824C109 255 21,316 SH   SOLE   0 0 21,316
HOME DEPOT INC COM 437076102 327 1,184 SH   SOLE   0 0 1,184
HONEYWELL INTL INC COM 438516106 520 3,114 SH   SOLE   0 0 3,114
HP INC COM 40434L105 2,013 80,765 SH   SOLE   0 0 80,765
IDEXX LABS INC COM 45168D104 1,637 5,026 SH   SOLE   0 0 5,026
INTEL CORP COM 458140100 286 11,107 SH   SOLE   0 0 11,107
INTERNATIONAL BUSINESS MACHS COM 459200101 372 3,135 SH   SOLE   0 0 3,135
INVESCO QQQ TR UNIT SER 1 46090E103 210 787 SH   SOLE   0 0 787
ISHARES INC CORE MSCI EMKT 46434G103 3,101 72,145 SH   SOLE   0 0 72,145
ISHARES TR CORE MSCI INTL 46435G326 3,813 78,923 SH   SOLE   0 0 78,923
ISHARES TR CORE S&P500 ETF 464287200 484 1,348 SH   SOLE   0 0 1,348
ISHARES TR CORE US AGGBD ET 464287226 354 3,672 SH   SOLE   0 0 3,672
ISHARES TR IBOXX HI YD ETF 464288513 10,607 148,573 SH   SOLE   0 0 148,573
ISHARES TR JPMORGAN USD EMG 464288281 5,798 73,025 SH   SOLE   0 0 73,025
ISHARES TR MSCI EAFE ETF 464287465 7,216 128,827 SH   SOLE   0 0 128,827
ISHARES TR MSCI EMG MKT ETF 464287234 2,367 67,856 SH   SOLE   0 0 67,856
ISHARES TR S&P 500 GRWT ETF 464287309 8,021 138,651 SH   SOLE   0 0 138,651
ISHARES TR S&P 500 VAL ETF 464287408 6,745 52,480 SH   SOLE   0 0 52,480
ISHARES TR SP SMCP600VL ETF 464287879 7,794 94,534 SH   SOLE   0 0 94,534
JOHNSON & JOHNSON COM 478160104 471 2,882 SH   SOLE   0 0 2,882
JPMORGAN CHASE & CO COM 46625H100 229 2,188 SH   SOLE   0 0 2,188
LOCKHEED MARTIN CORP COM 539830109 505 1,307 SH   SOLE   0 0 1,307
MASCO CORP COM 574599106 753 16,117 SH   SOLE   0 0 16,117
MASTERCARD INCORPORATED CL A 57636Q104 2,480 8,721 SH   SOLE   0 0 8,721
MCDONALDS CORP COM 580135101 395 1,711 SH   SOLE   0 0 1,711
MCKESSON CORP COM 58155Q103 3,564 10,486 SH   SOLE   0 0 10,486
MERCK & CO INC COM 58933Y105 480 5,569 SH   SOLE   0 0 5,569
META PLATFORMS INC CL A 30303M102 1,547 11,399 SH   SOLE   0 0 11,399
METLIFE INC COM 59156R108 344 5,662 SH   SOLE   0 0 5,662
METTLER TOLEDO INTERNATIONAL COM 592688105 1,905 1,757 SH   SOLE   0 0 1,757
MICROSOFT CORP COM 594918104 835 3,585 SH   SOLE   0 0 3,585
MODERNA INC COM 60770K107 1,776 15,020 SH   SOLE   0 0 15,020
NETAPP INC COM 64110D104 2,079 33,618 SH   SOLE   0 0 33,618
NVIDIA CORPORATION COM 67066G104 208 1,715 SH   SOLE   0 0 1,715
OREILLY AUTOMOTIVE INC COM 67103H107 2,807 3,991 SH   SOLE   0 0 3,991
OTIS WORLDWIDE CORP COM 68902V107 2,273 35,626 SH   SOLE   0 0 35,626
PAYCHEX INC COM 704326107 372 3,316 SH   SOLE   0 0 3,316
PHILIP MORRIS INTL INC COM 718172109 243 2,928 SH   SOLE   0 0 2,928
PROCTER AND GAMBLE CO COM 742718109 1,117 8,848 SH   SOLE   0 0 8,848
PROLOGIS INC. COM 74340W103 1,086 10,687 SH   SOLE   0 0 10,687
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,050 12,831 SH   SOLE   0 0 12,831
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 10,952 196,243 SH   SOLE   0 0 196,243
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 11,455 195,785 SH   SOLE   0 0 195,785
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,824 5,105 SH   SOLE   0 0 5,105
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,068 15,683 SH   SOLE   0 0 15,683
SPDR SER TR S&P 600 SMCP VAL 78464A300 885 13,177 SH   SOLE   0 0 13,177
STARBUCKS CORP COM 855244109 369 4,379 SH   SOLE   0 0 4,379
TESLA INC COM 88160R101 664 2,502 SH   SOLE   0 0 2,502
TEXAS INSTRS INC COM 882508104 2,836 18,325 SH   SOLE   0 0 18,325
UNITEDHEALTH GROUP INC COM 91324P102 1,277 2,528 SH   SOLE   0 0 2,528
VALERO ENERGY CORP COM 91913Y100 272 2,549 SH   SOLE   0 0 2,549
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,049 80,851 SH   SOLE   0 0 80,851
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 57,581 807,255 SH   SOLE   0 0 807,255
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 7,697 161,256 SH   SOLE   0 0 161,256
VANGUARD INDEX FDS GROWTH ETF 922908736 18,722 87,507 SH   SOLE   0 0 87,507
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,051 50,535 SH   SOLE   0 0 50,535
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,502 10,473 SH   SOLE   0 0 10,473
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,678 13,722 SH   SOLE   0 0 13,722
VANGUARD INDEX FDS TOTAL STK MKT 922908769 291 1,624 SH   SOLE   0 0 1,624
VANGUARD INDEX FDS VALUE ETF 922908744 41,865 339,044 SH   SOLE   0 0 339,044
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,263 281,248 SH   SOLE   0 0 281,248
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 331 4,972 SH   SOLE   0 0 4,972
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 452 3,347 SH   SOLE   0 0 3,347
VANGUARD STAR FDS VG TL INTL STK F 921909768 7,356 160,712 SH   SOLE   0 0 160,712
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 16,274 447,574 SH   SOLE   0 0 447,574
VERISIGN INC COM 92343E102 2,257 12,993 SH   SOLE   0 0 12,993
WALMART INC COM 931142103 287 2,213 SH   SOLE   0 0 2,213
WEC ENERGY GROUP INC COM 92939U106 234 2,613 SH   SOLE   0 0 2,613
YUM BRANDS INC COM 988498101 2,341 22,010 SH   SOLE   0 0 22,010