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 19 600 SH   SOLE   600 0 0
AT&T Inc COM 00206R102 2,170 91,812 SH   SOLE   91,812 0 0
Adobe Systems, Inc COM 00724F101 68 150 SH   SOLE   150 0 0
Agilent Technologies Inc Com COM 00846U101 229 1,731 SH   SOLE   1,731 0 0
Airbnb, Inc. COM CL A 009066101 326 1,900 SH   SOLE   1,900 0 0
Alcoa Corp COM 013872106 1,639 18,200 SH   SOLE   18,200 0 0
Alibaba Group Holding SPONSORED ADS 01609W102 18 161 SH   SOLE   161 0 0
Alleghany Corp Del Common COM 017175100 110 130 SH   SOLE   130 0 0
Allstate Corp COM 020002101 4,191 30,257 SH   SOLE   30,257 0 0
Alphabet INC CLASS A CORP COMMON CAP STK CL A 02079K305 159 57 SH   SOLE   57 0 0
Altria Group Inc COM 02209S103 1,168 22,350 SH   SOLE   22,350 0 0
Amazon Com Inc COM 023135106 962 295 SH   SOLE   295 0 0
Ameren Corp Com COM 023608102 316 3,365 SH   SOLE   3,365 0 0
America Movil SAB ADR SPON ADR L SHS 02364W105 13 600 SH   SOLE   600 0 0
American Electric Power Co COM 025537101 13 135 SH   SOLE   135 0 0
Amgen Inc Com COM 031162100 5,630 23,283 SH   SOLE   23,283 0 0
Amplify Online Retail ETF ONLIN RETL ETF 032108102 46 700 SH   SOLE   700 0 0
APA Corporation COM 03743Q108 827 20,000 SH   SOLE   20,000 0 0
Apple Inc COM 037833100 18,219 104,342 SH   SOLE   104,342 0 0
Archer Daniels Midland Co. COM 039483102 1,372 15,200 SH   SOLE   15,200 0 0
Autoliv Inc Common COM 052800109 9 119 SH   SOLE   119 0 0
Automatic Data Processing COM 053015103 182 800 SH   SOLE   800 0 0
Avangrid, Inc. COM 05351W103 39 833 SH   SOLE   833 0 0
BP Amoco P L C Sponsored ADR SPONSORED ADR 055622104 365 12,428 SH   SOLE   12,428 0 0
Bank of America Corporation COM 060505104 784 19,022 SH   SOLE   19,022 0 0
Bank of New York Mellon Corp COM 064058100 1,612 32,471 SH   SOLE   32,471 0 0
Barclays Bank Ipath Bloom Commodity Etn DJUBS CMDT ETN36 06738C778 50 1,345 SH   SOLE   1,345 0 0
Becton Dickinson & Company COM 075887109 1,207 4,536 SH   SOLE   4,536 0 0
Berkshire Hathaway Inc Del CL B NEW 084670702 476 1,350 SH   SOLE   1,350 0 0
Black Knight Inc Common COM 09215C105 75 1,286 SH   SOLE   1,286 0 0
Blackrock, Inc COM 09247X101 76 100 SH   SOLE   100 0 0
Blackrock Science And Technology Trust Ii Tech Nav Cf SHS BEN INT 09260K101 35 1,200 SH   SOLE   1,200 0 0
Boeing Co COM 097023105 134 700 SH   SOLE   700 0 0
Broadridge Finl Solutions COM 11133T103 1,355 8,700 SH   SOLE   8,700 0 0
Brookfield Asset Management INC CLASS A CORP COMMON CL A LTD VT SH 112585104 382 6,750 SH   SOLE   6,750 0 0
Cigna Corp. COM 125523100 2 9 SH   SOLE   9 0 0
CME Group Inc Class A COM 12572Q105 12 50 SH   SOLE   50 0 0
California Wtr Svc Group Com COM 130788102 95 1,600 SH   SOLE   1,600 0 0
Cannae Holdings Inc. COM 13765N107 14 600 SH   SOLE   600 0 0
Charter Communications Inc. CL A 16119P108 4 7 SH   SOLE   7 0 0
Chevron Corporation COM 166764100 4,981 30,589 SH   SOLE   30,589 0 0
Cisco Sys Inc COM 17275R102 3,114 55,848 SH   SOLE   55,848 0 0
Cintas Corp COM 172908105 43 100 SH   SOLE   100 0 0
Cognizant Technology Solutions Corp CL A 192446102 578 6,450 SH   SOLE   6,450 0 0
Colgate Palmolive Co COM 194162103 38 500 SH   SOLE   500 0 0
Comcast Corp New Cl A CL A 20030N101 52 1,116 SH   SOLE   1,116 0 0
Comerica Inc COM 200340107 2,724 30,125 SH   SOLE   30,125 0 0
Conocophillips COM 20825C104 273 2,727 SH   SOLE   2,727 0 0
Corning Inc COM 219350105 1,660 44,975 SH   SOLE   44,975 0 0
Corteva Inc. COM 22052L104 46 800 SH   SOLE   800 0 0
DTE Energy Company COM 233331107 51 385 SH   SOLE   385 0 0
Disney (Walt) Co Holding Co. COM 254687106 3,986 29,060 SH   SOLE   29,060 0 0
Dow, Inc. COM 260557103 76 1,196 SH   SOLE   1,196 0 0
Dupont De Nemours Inc COM 26614N102 45 615 SH   SOLE   615 0 0
Enbridge Inc C COM 29250N105 14 295 SH   SOLE   295 0 0
Energy Transfer LP COM UT LTD PTN 29273V100 56 5,000 SH   SOLE   5,000 0 0
Extreme Networks Inc COM 30226D106 18 1,500 SH   SOLE   1,500 0 0
Exxon Mobil Corp COM 30231G102 1,950 23,609 SH   SOLE   23,609 0 0
Meta Platforms, Inc CL A 30303M102 1,812 8,150 SH   SOLE   8,150 0 0
Federated Hermes, Inc. CL B 314211103 1,734 50,900 SH   SOLE   50,900 0 0
Fidelity Natl Information Svcs Inc Common COM 31620M106 151 1,500 SH   SOLE   1,500 0 0
Fidelity Natl Finl Inc New Fnf Group Common FNF GROUP COM 31620R303 137 2,800 SH   SOLE   2,800 0 0
Freeport-McMoran Copper & Gold Inc. CL B 35671D857 35 700 SH   SOLE   700 0 0
General Dynamics Corp COM 369550108 2,716 11,262 SH   SOLE   11,262 0 0
Gilead Sciences Inc COM 375558103 1,177 19,800 SH   SOLE   19,800 0 0
Glaxosmithline PLC Sponsored ADR SPONSORED ADR 37733W105 73 1,674 SH   SOLE   1,674 0 0
Global Payments Inc. COM 37940X102 14 102 SH   SOLE   102 0 0
Goldman Sachs Access High Yield Corporate Bond ETF ACCESS HIG YLD 381430453 47 1,000 SH   SOLE   1,000 0 0
Heritage Comm Corp COM 426927109 935 83,075 SH   SOLE   83,075 0 0
Hewlett Packard Enterprise Co COM 42824C109 490 29,300 SH   SOLE   29,300 0 0
Honeywell Intl Inc Com COM 438516106 311 1,600 SH   SOLE   1,600 0 0
Intel Corporation COM 458140100 4,274 86,242 SH   SOLE   86,242 0 0
International Business Machines COM 459200101 1,006 7,737 SH   SOLE   7,737 0 0
International Flavors & Fragrances Inc. COM 459506101 59 450 SH   SOLE   450 0 0
International Paper Corp COM 460146103 1,834 39,750 SH   SOLE   39,750 0 0
Invesco QQQ Trust ETF UNIT SER 1 46090E103 73 200 SH   SOLE   200 0 0
Intuitive Surgical Inc. COM NEW 46120E602 8,669 28,735 SH   SOLE   28,735 0 0
Invesco S&P 500 Equal Weight ETF S&P500 EQL WGT 46137V357 252 1,599 SH   SOLE   1,599 0 0
Invesco Exchange Traded Fd Zacks Multi-Asset Income ETF ZACKS MULT AST 46137Y500 22 923 SH   SOLE   923 0 0
Invesco NASDAQ 100 ETF NASDAQ 100 ETF 46138G649 24 161 SH   SOLE   161 0 0
Invesco Bulletshares 2026 High Yield ETF INVSCO BLSH 26 46138J635 49 2,000 SH   SOLE   2,000 0 0
Invesco Exchange TRD SLF Index ETF BULSHS 2025 HY 46138J817 48 2,000 SH   SOLE   2,000 0 0
Invesco BulletShares 2024 High Yield Corporate Bond ETF BULSHS 2024 HY 46138J833 28 1,175 SH   SOLE   1,175 0 0
iShares MSCI Australia ETF MSCI AUST ETF 464286103 48 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 23 300 SH   SOLE   300 0 0
Ishares Semiconductor ETF PHLX SEMICND ETF 464287523 189 400 SH   SOLE   400 0 0
Ishares Biotechnology ETF NASDAQ BIOTECH 464287556 77 590 SH   SOLE   590 0 0
iShares Cohen and Steers REIT ETF COHEN STEER REIT 464287564 28 400 SH   SOLE   400 0 0
Ishares Trust Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 35 125 SH   SOLE   125 0 0
Ishares Russell 2000 Growth ETF RUS 2000 GRW ETF 464287648 38 150 SH   SOLE   150 0 0
Ishares Russell 2000 ETF RUSSELL 2000 ETF 464287655 119 582 SH   SOLE   582 0 0
Ishares Core S&P US Growth ETF CORE S&P US GWT 464287671 116 1,100 SH   SOLE   1,100 0 0
iShares S&P Mid Cap 400 Value ETF S&P MC 400VL ETF 464287705 44 400 SH   SOLE   400 0 0
Ishares JP Morgan Usd Emerging Markets Bond ETF Mts JPMORGAN USD EMG 464288281 51 524 SH   SOLE   524 0 0
Ishares 1-5 Year Investment Grade Corporate Bond ETF ISHS 1-5YR INVS 464288646 77 1,480 SH   SOLE   1,480 0 0
Ishares PFD and Income ETF PFD AND INCM SEC 464288687 69 1,890 SH   SOLE   1,890 0 0
Ishares Silver Trust ETF ISHARES 46428Q109 46 2,000 SH   SOLE   2,000 0 0
Ishares Core Msci Eafe ETF CORE MSCI EAFE 46432F842 313 4,500 SH   SOLE   4,500 0 0
Ishares Trust 0-5 Yr High Yield 0-5YR HI YL CP 46434V407 28 639 SH   SOLE   639 0 0
iShares Tr Broad High Yield Corporate ETF BROAD USD HIGH 46435U853 47 1,200 SH   SOLE   1,200 0 0
J P Morgan Chase & Co Com COM 46625H100 49 360 SH   SOLE   360 0 0
John Hancock Multifactor Small Cap ETF MULTIFACTR SML 47804J842 58 1,685 SH   SOLE   1,685 0 0
Johnson & Johnson COM 478160104 4,795 27,053 SH   SOLE   27,053 0 0
Keysight Technologies Inc. COM 49338L103 137 865 SH   SOLE   865 0 0
Kimberly Clark Corp COM 494368103 54 437 SH   SOLE   437 0 0
Kinder Morgan Inc Del COM 49456B101 2 103 SH   SOLE   103 0 0
Kyndryl Holdings Inc. COMMON STOCK 50155Q100 20 1,547 SH   SOLE   1,547 0 0
Lockheed Martin Corp COM 539830109 4,125 9,345 SH   SOLE   9,345 0 0
Manulife Financial Corp COM 56501R106 30 1,400 SH   SOLE   1,400 0 0
Merck & Co. Inc. COM 58933Y105 2,825 34,425 SH   SOLE   34,425 0 0
Microsoft Corporation COM 594918104 20,597 66,805 SH   SOLE   66,805 0 0
Microchip Technology Inc COM 595017104 2,357 31,373 SH   SOLE   31,373 0 0
Micron Technology Inc COM 595112103 5,615 72,095 SH   SOLE   72,095 0 0
Netflix Inc Common COM 64110L106 226 604 SH   SOLE   604 0 0
Nike Inc Cl B CL B 654106103 108 800 SH   SOLE   800 0 0
NortonLifeLock Inc. COM 668771108 13 500 SH   SOLE   500 0 0
Nvidia Corp COM 67066G104 22,047 80,800 SH   SOLE   80,800 0 0
Nuveen Preferred & Income Securities Fund COM 67072C105 7 792 SH   SOLE   792 0 0
Old Rep Intl Corp COM 680223104 18 700 SH   SOLE   700 0 0
Oneok, Inc COM 682680103 127 1,800 SH   SOLE   1,800 0 0
Ovintiv Inc COM 69047Q102 2,163 40,000 SH   SOLE   40,000 0 0
PNC Financial Services Group Inc COM 693475105 18 100 SH   SOLE   100 0 0
Paychex Inc COM 704326107 27 200 SH   SOLE   200 0 0
Paypal Hldgs Inc Common COM 70450Y103 497 4,300 SH   SOLE   4,300 0 0
Pepsico Inc COM 713448108 2,006 11,987 SH   SOLE   11,987 0 0
Pfizer Inc COM 717081103 4,294 82,941 SH   SOLE   82,941 0 0
Philip Morris Intl Inc. COM 718172109 1,617 17,213 SH   SOLE   17,213 0 0
Phillips 66 COM 718546104 104 1,200 SH   SOLE   1,200 0 0
Pimco Enhanced Short Maturity ENHAN SHRT MA AC 72201R833 61 606 SH   SOLE   606 0 0
Procter & Gamble Company COM 742718109 3,496 22,877 SH   SOLE   22,877 0 0
QuantumScape Corporation COM CL A 74767V109 5 250 SH   SOLE   250 0 0
Realty Income Corp COM 756109104 69 1,000 SH   SOLE   1,000 0 0
Ringcentral Inc. CL A 76680R206 117 1,000 SH   SOLE   1,000 0 0
Rio Tinto Plc ADR SPONSORED ADR 767204100 1,576 19,607 SH   SOLE   19,607 0 0
Royal Gold, Inc. COM 780287108 24 171 SH   SOLE   171 0 0
S&P Global Inc Common COM 78409V104 287 700 SH   SOLE   700 0 0
SJW Group COM 784305104 584 8,400 SH   SOLE   8,400 0 0
SPDR S&P 500 ETF Trust TR UNIT 78462F103 24,598 54,463 SH   SOLE   54,463 0 0
SPDR Gold Trust GOLD SHS 78463V107 27 151 SH   SOLE   151 0 0
Spdr S&P Midcap 400 ETF UTSER1 S&PDCRP 78467Y107 42 85 SH   SOLE   85 0 0
SVB Financial Group COM 78486Q101 2,355 4,210 SH   SOLE   4,210 0 0
Schlumberger LTD COM 806857108 2,272 55,000 SH   SOLE   55,000 0 0
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797 23 295 SH   SOLE   295 0 0
Science Applications International Corporation COM 808625107 4 42 SH   SOLE   42 0 0
Healthcare Select Sector SPDR SBI HEALTHCARE 81369Y209 5,276 38,516 SH   SOLE   38,516 0 0
Energy Sector SPDR TR ENERGY 81369Y506 5,802 75,906 SH   SOLE   75,906 0 0
Financial Select Sector SPDR ETF SBI INT-FINL 81369Y605 1,911 49,867 SH   SOLE   49,867 0 0
Industrial Select Sector SPDR SBI INT-INDS 81369Y704 30 287 SH   SOLE   287 0 0
Servicenow Inc. COM 81762P102 1,743 3,130 SH   SOLE   3,130 0 0
Snowflake Inc. CL A 833445109 23 100 SH   SOLE   100 0 0
Block, Inc. CL A 852234103 47 350 SH   SOLE   350 0 0
Starbucks Corp COM 855244109 27 297 SH   SOLE   297 0 0
Synaptics Inc COM 87157D109 1,771 8,875 SH   SOLE   8,875 0 0
Taiwan Semiconductor Manufacturing CO Ltd ADR SPONSORED ADS 874039100 101 967 SH   SOLE   967 0 0
Target Corp Com COM 87612E106 4,032 19,000 SH   SOLE   19,000 0 0
Teradyne Inc. COM 880770102 562 4,750 SH   SOLE   4,750 0 0
Teva Pharmaceutical Inds ADR SPONSORED ADS 881624209 1 100 SH   SOLE   100 0 0
Texas Pac Ld Corp COM 88262P102 101 75 SH   SOLE   75 0 0
3M Co Com COM 88579Y101 3,499 23,500 SH   SOLE   23,500 0 0
US Bancorp Del Com New COM NEW 902973304 23 425 SH   SOLE   425 0 0
Vaneck Gold Miners ETF GOLD MINERS ETF 92189F106 11,492 299,670 SH   SOLE   299,670 0 0
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 31 191 SH   SOLE   191 0 0
Vanguard Total Bond Market Index Fund ETF TOTAL BND MRKT 921937835 71 898 SH   SOLE   898 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 1,782 37,100 SH   SOLE   37,100 0 0
Vanguard High Dividend ETF HIGH DIV YLD 921946406 30 266 SH   SOLE   266 0 0
Vanguard Global Ex-US Real Estate GLB EX US ETF 922042676 1,013 19,500 SH   SOLE   19,500 0 0
Vanguard Emerging Markets Stock Index Fund Ftse ETF FTSE EMR MKT ETF 922042858 135 2,922 SH   SOLE   2,922 0 0
Vanguard FTSE Europe ETF FTSE EUROPE ETF 922042874 50 800 SH   SOLE   800 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 7,035 36,255 SH   SOLE   36,255 0 0
Vanguard Intermediate Term Corporate Bond ETF INT-TERM CORP 92206C870 21 241 SH   SOLE   241 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 95 229 SH   SOLE   229 0 0
Vanguard Real Estate ETF REAL ESTATE ETF 922908553 9,732 89,804 SH   SOLE   89,804 0 0
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 29 128 SH   SOLE   128 0 0
Verisign Inc COM 92343E102 712 3,200 SH   SOLE   3,200 0 0
Verizon Communications COM 92343V104 4,940 96,977 SH   SOLE   96,977 0 0
Vertex Pharmaceuticals Inc Com COM 92532F100 3,886 14,890 SH   SOLE   14,890 0 0
Visa, Inc COM CL A 92826C839 136 612 SH   SOLE   612 0 0
WD-40 CO. COM 929236107 55 300 SH   SOLE   300 0 0
Walmart Inc. COM 931142103 2,853 19,156 SH   SOLE   19,156 0 0
Walgreens Boots Alliance Inc COM 931427108 3,218 71,875 SH   SOLE   71,875 0 0
Wells Fargo & Co New COM 949746101 1,889 38,975 SH   SOLE   38,975 0 0
Western Alliance Bancorp COM 957638109 25 300 SH   SOLE   300 0 0
Weyerhaeuser Company COM NEW 962166104 15 400 SH   SOLE   400 0 0
XCEL Energy, Inc COM 98389B100 23 314 SH   SOLE   314 0 0
Zimmer Biomet Holdings Inc COM 98956P102 1,931 15,100 SH   SOLE   15,100 0 0
Zoom Video Communications Class A Shares CL A 98980L101 3 25 SH   SOLE   25 0 0
Accenture PLC F SHS CLASS A G1151C101 110 325 SH   SOLE   325 0 0
Brookfield Infrastructure Partners Lp Infrastructur Partner Unt LP INT UNIT G16252101 29 436 SH   SOLE   436 0 0
Bunge Limited COM G16962105 2,316 20,900 SH   SOLE   20,900 0 0
Norwegian Cruise Line Holdings Ltd SHS G66721104 3 142 SH   SOLE   142 0 0
Garmin Ltd SHS H2906T109 12 100 SH   SOLE   100 0 0
Flex Ltd ORD Y2573F102 9 500 SH   SOLE   500 0 0