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
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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
Abb Ltd ADR SPONSORED ADR 000375204 20 600 SH   SOLE   600 0 0
AT&T Inc COM 00206R102 2,556 94,644 SH   SOLE   94,644 0 0
Adobe Systems, Inc COM 00724F101 86 150 SH   SOLE   150 0 0
Agilent Technologies Inc Com COM 00846U101 267 1,693 SH   SOLE   1,693 0 0
Airbnb, Inc. COM CL A 009066101 356 2,124 SH   SOLE   2,124 0 0
Alcoa Corp COM 013872106 891 18,200 SH   SOLE   18,200 0 0
Alibaba Group Holding SPONSORED ADS 01609W102 24 161 SH   SOLE   161 0 0
Alleghany Corp Del Common COM 017175100 81 130 SH   SOLE   130 0 0
Allstate Corp COM 020002101 3,470 27,257 SH   SOLE   27,257 0 0
Alphabet INC CLASS A CORP COMMON CAP STK CL A 02079K305 152 57 SH   SOLE   57 0 0
Altria Group Inc COM 02209S103 1,022 22,450 SH   SOLE   22,450 0 0
Amazon Com Inc COM 023135106 979 298 SH   SOLE   298 0 0
Ameren Corp Com COM 023608102 273 3,365 SH   SOLE   3,365 0 0
American Electric Power Co COM 025537101 11 135 SH   SOLE   135 0 0
Amgen Inc Com COM 031162100 3,818 17,953 SH   SOLE   17,953 0 0
Amplify Online Retail ETF ONLIN RETL ETF 032108102 76 700 SH   SOLE   700 0 0
APA Corporation COM 03743Q108 574 26,800 SH   SOLE   26,800 0 0
Apple Inc COM 037833100 16,328 115,392 SH   SOLE   115,392 0 0
Archer Daniels Midland Co. COM 039483102 957 15,950 SH   SOLE   15,950 0 0
Autoliv Inc Common COM 052800109 10 119 SH   SOLE   119 0 0
Automatic Data Processing COM 053015103 140 700 SH   SOLE   700 0 0
Avangrid, Inc. COM 05351W103 40 833 SH   SOLE   833 0 0
BP Amoco P L C Sponsored ADR SPONSORED ADR 055622104 345 12,628 SH   SOLE   12,628 0 0
Bank of America Corporation COM 060505104 807 19,022 SH   SOLE   19,022 0 0
Bank of New York Mellon Corp COM 064058100 1,746 33,671 SH   SOLE   33,671 0 0
Barclays Bank Ipath Bloom Commodity Etn DJUBS CMDT ETN36 06738C778 39 1,345 SH   SOLE   1,345 0 0
Becton Dickinson & Company COM 075887109 1,115 4,536 SH   SOLE   4,536 0 0
Berkshire Hathaway Inc Del CL B NEW 084670702 423 1,548 SH   SOLE   1,548 0 0
Black Knight Inc Common COM 09215C105 93 1,286 SH   SOLE   1,286 0 0
Blackrock, Inc COM 09247X101 84 100 SH   SOLE   100 0 0
Blackrock Science And Technology Trust Ii Tech Nav Cf SHS BEN INT 09260K101 46 1,200 SH   SOLE   1,200 0 0
Boeing Co COM 097023105 154 700 SH   SOLE   700 0 0
Broadridge Finl Solutions COM 11133T103 950 5,700 SH   SOLE   5,700 0 0
Brookfield Asset Management INC CLASS A CORP COMMON CL A LTD VT SH 112585104 361 6,750 SH   SOLE   6,750 0 0
Brown-Forman Corp Cl B Com CL B 115637209 24 358 SH   SOLE   358 0 0
CME Group Inc Class A COM 12572Q105 10 50 SH   SOLE   50 0 0
California Wtr Svc Group Com COM 130788102 112 1,900 SH   SOLE   1,900 0 0
Cannae Holdings Inc. COM 13765N107 19 600 SH   SOLE   600 0 0
Chevron Corporation COM 166764100 3,205 31,589 SH   SOLE   31,589 0 0
Cisco Sys Inc COM 17275R102 3,225 59,248 SH   SOLE   59,248 0 0
Cognizant Technology Solutions Corp CL A 192446102 493 6,650 SH   SOLE   6,650 0 0
Colgate Palmolive Co COM 194162103 38 500 SH   SOLE   500 0 0
Comcast Corp New Cl A CL A 20030N101 37 654 SH   SOLE   654 0 0
Comerica Inc COM 200340107 2,523 31,343 SH   SOLE   31,343 0 0
Conocophillips COM 20825C104 185 2,727 SH   SOLE   2,727 0 0
Corning Inc COM 219350105 1,554 42,575 SH   SOLE   42,575 0 0
Corteva Inc. COM 22052L104 55 1,296 SH   SOLE   1,296 0 0
DTE Energy Company COM 233331107 43 385 SH   SOLE   385 0 0
DT Midstream Inc. COMMON STOCK 23345M107 9 192 SH   SOLE   192 0 0
Disney (Walt) Co Holding Co. COM 254687106 5,154 30,469 SH   SOLE   30,469 0 0
Dow, Inc. COM 260557103 69 1,196 SH   SOLE   1,196 0 0
Duke Energy Corp COM NEW 26441C204 20 200 SH   SOLE   200 0 0
Dupont De Nemours Inc COM 26614N102 42 615 SH   SOLE   615 0 0
Edison International COM 281020107 22 400 SH   SOLE   400 0 0
Enbridge Inc C COM 29250N105 12 295 SH   SOLE   295 0 0
Energy Transfer LP COM UT LTD PTN 29273V100 48 5,000 SH   SOLE   5,000 0 0
Extreme Networks Inc COM 30226D106 15 1,500 SH   SOLE   1,500 0 0
Exxon Mobil Corp COM 30231G102 1,395 23,709 SH   SOLE   23,709 0 0
Facebook, Inc. CL A 30303M102 51 150 SH   SOLE   150 0 0
Federated Hermes, Inc. CL B 314211103 1,700 52,300 SH   SOLE   52,300 0 0
Fidelity High Yield Factor ETF HIGH YILD ETF 316092618 70 1,250 SH   SOLE   1,250 0 0
Fidelity Natl Information Svcs Inc Common COM 31620M106 183 1,500 SH   SOLE   1,500 0 0
Fidelity Natl Finl Inc New Fnf Group Common FNF GROUP COM 31620R303 136 3,000 SH   SOLE   3,000 0 0
Fireeye Inc. COM 31816Q101 98 5,500 SH   SOLE   5,500 0 0
Flaherty & Crumrine Total Return Fund COM 338479108 46 1,900 SH   SOLE   1,900 0 0
Franklin Universal Trust SH BEN INT 355145103 8 1,000 SH   SOLE   1,000 0 0
Freeport-McMoran Copper & Gold Inc. CL B 35671D857 20 600 SH   SOLE   600 0 0
Garrett Motion Inc COM 366505105 1 50 SH   SOLE   50 0 0
General Dynamics Corp COM 369550108 2,316 11,812 SH   SOLE   11,812 0 0
General Electric Co COM NEW 369604301 537 5,209 SH   SOLE   5,209 0 0
Gilead Sciences Inc COM 375558103 1,463 20,950 SH   SOLE   20,950 0 0
Glaxosmithline PLC Sponsored ADR SPONSORED ADR 37733W105 64 1,674 SH   SOLE   1,674 0 0
Goldman Sachs Access High Yield Corporate Bond ETF ACCESS HIG YLD 381430453 50 1,000 SH   SOLE   1,000 0 0
Halliburton Company COM 406216101 4 200 SH   SOLE   200 0 0
Heritage Comm Corp COM 426927109 1,048 90,137 SH   SOLE   90,137 0 0
Hewlett Packard Enterprise Co COM 42824C109 420 29,500 SH   SOLE   29,500 0 0
Honeywell Intl Inc Com COM 438516106 340 1,600 SH   SOLE   1,600 0 0
Intel Corporation COM 458140100 4,706 88,332 SH   SOLE   88,332 0 0
International Business Machines COM 459200101 1,103 7,937 SH   SOLE   7,937 0 0
International Flavors & Fragrances Inc. COM 459506101 60 450 SH   SOLE   450 0 0
International Paper Corp COM 460146103 1,954 34,950 SH   SOLE   34,950 0 0
Invesco QQQ Trust ETF UNIT SER 1 46090E103 72 200 SH   SOLE   200 0 0
Intuitive Surgical Inc. COM NEW 46120E602 9,927 9,985 SH   SOLE   9,985 0 0
Invesco Calif Value Muni COM 46132H106 6 441 SH   SOLE   441 0 0
Invesco S&P 500 Equal Weight ETF S&P500 EQL WGT 46137V357 240 1,599 SH   SOLE   1,599 0 0
Invesco Exchange Traded Fd Zacks Multi-Asset Income ETF ZACKS MULT AST 46137Y500 42 1,775 SH   SOLE   1,775 0 0
Invesco Preferred ETF PFD ETF 46138E511 36 2,400 SH   SOLE   2,400 0 0
Invesco Bulletshares 2026 High Yield ETF INVSCO BLSH 26 46138J635 51 2,000 SH   SOLE   2,000 0 0
Invesco Exchange TRD SLF Index ETF BULSHS 2025 HY 46138J817 49 2,000 SH   SOLE   2,000 0 0
Invesco BulletShares 2024 High Yield Corporate Bond ETF BULSHS 2024 HY 46138J833 29 1,175 SH   SOLE   1,175 0 0
Invesco Bulletshares 2023 High Yield Corp Bond ETF BULSHS 2023 HY 46138J858 51 2,000 SH   SOLE   2,000 0 0
Ishares Gold Trust ETF ISHARES NEW 464285204 15 457 SH   SOLE   457 0 0
iShares MSCI Australia ETF MSCI AUST ETF 464286103 45 1,806 SH   SOLE   1,806 0 0
iShares MSCI Pacific Ex Japan ETF MSCI PAC JP ETF 464286665 10 210 SH   SOLE   210 0 0
Ishares S&P 500 Growth ETF S&P 500 GRWT ETF 464287309 22 300 SH   SOLE   300 0 0
Ishares Semiconductor ETF ISHARES SEMICDTR 464287523 223 500 SH   SOLE   500 0 0
Ishares Biotechnology ETF ISHARES BIOTECH 464287556 95 590 SH   SOLE   590 0 0
iShares Cohen and Steers REIT ETF COHEN STEER REIT 464287564 38 574 SH   SOLE   574 0 0
Ishares Trust Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 41 150 SH   SOLE   150 0 0
Ishares Russell 2000 Growth ETF RUS 2000 GRW ETF 464287648 44 150 SH   SOLE   150 0 0
Ishares Russell 2000 ETF RUSSELL 2000 ETF 464287655 127 582 SH   SOLE   582 0 0
Ishares Core S&P US Growth ETF CORE S&P US GWT 464287671 133 1,300 SH   SOLE   1,300 0 0
iShares S&P Mid Cap 400 Value ETF S&P MC 400VL ETF 464287705 58 566 SH   SOLE   566 0 0
iShares Europe ETF IV EUROPE ETF 464287861 34 653 SH   SOLE   653 0 0
Ishares JP Morgan Usd Emerging Markets Bond ETF Mts JPMORGAN USD EMG 464288281 58 524 SH   SOLE   524 0 0
Ishares 1-5 Year Investment Grade Corporate Bond ETF ISHS 1-5YR INVS 464288646 81 1,480 SH   SOLE   1,480 0 0
Ishares PFD and Income ETF PFD AND INCM SEC 464288687 73 1,890 SH   SOLE   1,890 0 0
Ishares Silver Trust ETF ISHARES 46428Q109 48 2,347 SH   SOLE   2,347 0 0
Ishares Core High Dividend CORE HIGH DV ETF 46429B663 42 446 SH   SOLE   446 0 0
Ishares Core Msci Eafe ETF CORE MSCI EAFE 46432F842 371 5,000 SH   SOLE   5,000 0 0
Ishares Trust 0-5 Yr High Yield 0-5YR HI YL CP 46434V407 29 639 SH   SOLE   639 0 0
iShares Tr Broad High Yield Corporate ETF BROAD USD HIGH 46435U853 50 1,200 SH   SOLE   1,200 0 0
J P Morgan Chase & Co Com COM 46625H100 59 360 SH   SOLE   360 0 0
Johnson & Johnson COM 478160104 4,502 27,878 SH   SOLE   27,878 0 0
Keysight Technologies Inc. COM 49338L103 139 846 SH   SOLE   846 0 0
Kimberly Clark Corp COM 494368103 58 437 SH   SOLE   437 0 0
Kinder Morgan Inc Del COM 49456B101 2 103 SH   SOLE   103 0 0
Kraft Heinz Co COM 500754106 5 133 SH   SOLE   133 0 0
Lilly Eli & Co Com COM 532457108 116 500 SH   SOLE   500 0 0
Lockheed Martin Corp COM 539830109 3,328 9,645 SH   SOLE   9,645 0 0
Manulife Financial Corp COM 56501R106 27 1,400 SH   SOLE   1,400 0 0
McDonalds Corp COM 580135101 127 526 SH   SOLE   526 0 0
Merck & Co. Inc. COM 58933Y105 2,683 35,725 SH   SOLE   35,725 0 0
Microsoft Corporation COM 594918104 20,735 73,550 SH   SOLE   73,550 0 0
Microchip Technology Inc COM 595017104 2,592 16,888 SH   SOLE   16,888 0 0
Micron Technology Inc COM 595112103 5,352 75,395 SH   SOLE   75,395 0 0
Netflix Inc Common COM 64110L106 369 604 SH   SOLE   604 0 0
Nvidia Corp COM 67066G104 17,754 85,700 SH   SOLE   85,700 0 0
Nuveen Preferred & Income Securities Fund COM 67072C105 8 792 SH   SOLE   792 0 0
Old Rep Intl Corp COM 680223104 23 1,000 SH   SOLE   1,000 0 0
Oneok, Inc COM 682680103 104 1,800 SH   SOLE   1,800 0 0
Ovintiv Inc COM 69047Q102 1,521 46,260 SH   SOLE   46,260 0 0
PNC Financial Services Group Inc COM 693475105 20 100 SH   SOLE   100 0 0
Pepsico Inc COM 713448108 1,893 12,587 SH   SOLE   12,587 0 0
Pfizer Inc COM 717081103 3,707 86,191 SH   SOLE   86,191 0 0
Philip Morris Intl Inc. COM 718172109 1,646 17,363 SH   SOLE   17,363 0 0
Phillips 66 COM 718546104 84 1,200 SH   SOLE   1,200 0 0
Pimco Enhanced Short Maturity ENHAN SHRT MA AC 72201R833 62 606 SH   SOLE   606 0 0
Procter & Gamble Company COM 742718109 3,338 23,880 SH   SOLE   23,880 0 0
RMR Group Inc CL A 74967R106 1 19 SH   SOLE   19 0 0
Realty Income Corp COM 756109104 65 1,000 SH   SOLE   1,000 0 0
Resideo Technologies Inc COM 76118Y104 2 83 SH   SOLE   83 0 0
Ringcentral Inc. CL A 76680R206 218 1,000 SH   SOLE   1,000 0 0
Rio Tinto Plc ADR SPONSORED ADR 767204100 1,023 15,307 SH   SOLE   15,307 0 0
Royal Dutch Shell PLC SPONS ADR A 780259206 65 1,465 SH   SOLE   1,465 0 0
Royal Gold, Inc. COM 780287108 16 171 SH   SOLE   171 0 0
S&P Global Inc Common COM 78409V104 297 700 SH   SOLE   700 0 0
SJW Group COM 784305104 568 8,600 SH   SOLE   8,600 0 0
SPDR S&P 500 ETF Trust TR UNIT 78462F103 21,489 50,075 SH   SOLE   50,075 0 0
SPDR Gold Trust GOLD SHS 78463V107 25 151 SH   SOLE   151 0 0
Spdr S&P Dividend ETF IV S&P DIVID ETF 78464A763 28 236 SH   SOLE   236 0 0
SPDR Dow Jones Industrial Avg ETF Unit Ser 1 UT SER 1 78467X109 15 43 SH   SOLE   43 0 0
Spdr S&P Midcap 400 ETF UTSER1 S&PDCRP 78467Y107 41 85 SH   SOLE   85 0 0
SVB Financial Group COM 78486Q101 2,756 4,260 SH   SOLE   4,260 0 0
Schlumberger LTD COM STK 806857108 1,965 66,301 SH   SOLE   66,301 0 0
Healthcare Select Sector SPDR SBI HEALTHCARE 81369Y209 4,943 38,831 SH   SOLE   38,831 0 0
Energy Sector SPDR TR ENERGY 81369Y506 4,615 88,590 SH   SOLE   88,590 0 0
Financial Select Sector SPDR ETF FINANCIAL 81369Y605 2,078 55,367 SH   SOLE   55,367 0 0
Servicenow Inc. COM 81762P102 2,134 3,430 SH   SOLE   3,430 0 0
Snowflake Inc. CL A 833445109 30 100 SH   SOLE   100 0 0
Square Inc CL A 852234103 84 350 SH   SOLE   350 0 0
Starbucks Corp COM 855244109 33 297 SH   SOLE   297 0 0
Sumitomo Mitsui Financial Group Inc Mit ADR SPONSORED ADR 86562M209 14 2,062 SH   SOLE   2,062 0 0
Synaptics Inc COM 87157D109 1,739 9,675 SH   SOLE   9,675 0 0
TCW Strategic Income Fund COM 872340104 4 700 SH   SOLE   700 0 0
Taiwan Semiconductor Manufacturing CO Ltd ADR SPONSORED ADS 874039100 108 967 SH   SOLE   967 0 0
Target Corp Com COM 87612E106 3,923 17,150 SH   SOLE   17,150 0 0
Texas Pac Ld Corp COM 88262P102 91 75 SH   SOLE   75 0 0
3M Co Com COM 88579Y101 2,017 11,500 SH   SOLE   11,500 0 0
US Bancorp Del Com New COM NEW 902973304 25 425 SH   SOLE   425 0 0
Union Pacific Corp COM 907818108 7 35 SH   SOLE   35 0 0
United Parcel Service Cl B CL B 911312106 21 117 SH   SOLE   117 0 0
Vaneck Gold Miners ETF GOLD MINERS ETF 92189F106 6,250 212,070 SH   SOLE   212,070 0 0
Vaneck Digital Transformation ETF DIGI TRANSFRM 92189H821 83 3,640 SH   SOLE   3,640 0 0
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 17 109 SH   SOLE   109 0 0
Vanguard Total Bond Market Index Fund ETF TOTAL BND MRKT 921937835 88 1,028 SH   SOLE   1,028 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 2,134 42,263 SH   SOLE   42,263 0 0
Vanguard High Dividend ETF HIGH DIV YLD 921946406 27 266 SH   SOLE   266 0 0
Vanguard Emerging Markets Gov Bnd ETF EMERG MKT BD ETF 921946885 47 600 SH   SOLE   600 0 0
Vanguard Total International Bond Index ETF TOTAL INT BD ETF 92203J407 4 74 SH   SOLE   74 0 0
Vangaurd Global Ex-US Real Estate GLB EX US ETF 922042676 450 8,000 SH   SOLE   8,000 0 0
Vanguard Emerging Markets Stock Index Fund Ftse ETF FTSE EMR MKT ETF 922042858 184 3,672 SH   SOLE   3,672 0 0
Vanguard FTSE Europe ETF FTSE EUROPE ETF 922042874 79 1,205 SH   SOLE   1,205 0 0
Vanguard Information Technology ETF INF TECH ETF 92204A702 6 15 SH   SOLE   15 0 0
Vanguard Materials Index Fund ETF MATERIALS ETF 92204A801 4,420 25,515 SH   SOLE   25,515 0 0
Vanguard Intermediate Term Corporate Bond ETF INT-TERM CORP 92206C870 23 241 SH   SOLE   241 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 90 229 SH   SOLE   229 0 0
Vanguard Real Estate ETF REAL ESTATE ETF 922908553 8,181 80,381 SH   SOLE   80,381 0 0
Vanguard Small Cap Value ETF SM CP VAL ETF 922908611 51 304 SH   SOLE   304 0 0
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 28 128 SH   SOLE   128 0 0
Verisign Inc COM 92343E102 677 3,300 SH   SOLE   3,300 0 0
Verizon Communications COM 92343V104 4,957 91,777 SH   SOLE   91,777 0 0
Vertex Pharmaceuticals Inc Com COM 92532F100 1,438 7,925 SH   SOLE   7,925 0 0
Visa, Inc COM CL A 92826C839 136 612 SH   SOLE   612 0 0
WD-40 CO. COM 929236107 69 300 SH   SOLE   300 0 0
Walmart Inc. COM 931142103 2,886 20,706 SH   SOLE   20,706 0 0
Walgreens Boots Alliance Inc COM 931427108 3,471 73,775 SH   SOLE   73,775 0 0
Wells Fargo & Co New COM 949746101 1,892 40,775 SH   SOLE   40,775 0 0
Western Alliance Bancorp COM 957638109 65 600 SH   SOLE   600 0 0
Weyerhaeuser Company COM NEW 962166104 14 400 SH   SOLE   400 0 0
XCEL Energy, Inc COM 98389B100 20 314 SH   SOLE   314 0 0
Zimmer Biomet Holdings Inc COM 98956P102 1,383 9,450 SH   SOLE   9,450 0 0
Zoom Video Communications Class A Shares CL A 98980L101 7 25 SH   SOLE   25 0 0
Accenture PLC F SHS CLASS A G1151C101 104 325 SH   SOLE   325 0 0
Brookfield Infrastructure Partners Lp Infrastructur Partner Unt LP INT UNIT G16252101 24 436 SH   SOLE   436 0 0
Bunge Limited COM G16962105 2,025 24,900 SH   SOLE   24,900 0 0
Norwegian Cruise Line Holdings Ltd SHS G66721104 4 142 SH   SOLE   142 0 0
Transocean LTD REG SHS H8817H100 1 69 SH   SOLE   69 0 0
Flex Ltd ORD Y2573F102 9 500 SH   SOLE   500 0 0