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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106   868,308 10,337 SH   SOLE 0 10,337 0 0
INVESCO QQQ TRUST ETF 46090E103   11,201,428 42,066 SH   SOLE 0 42,066 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   2,023,517 16,261 SH   SOLE 0 16,260 0 0
SEMPRA COM Stock 816851109   289,144 1,871 SH   SOLE 0 1,871 0 0
JOHNSON & JOHNSON COM Stock 478160104   1,166,243 6,602 SH   SOLE 0 6,602 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   541,409 1,186 SH   SOLE 0 1,186 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   747,480 4,932 SH   SOLE 0 4,931 0 0
CVB FINL CORP COM Stock 126600105   4,332,927 168,269 SH   SOLE 0 168,269 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   13,941,496 36,455 SH   SOLE 0 36,455 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104   662,630 1,906 SH   SOLE 0 1,905 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109   613,976 2,787 SH   SOLE 0 2,787 0 0
EMERSON ELEC CO COM Stock 291011104   597,781 6,223 SH   SOLE 0 6,223 0 0
ISHARES TIPS BOND ETF ETF 464287176   297,393 2,794 SH   SOLE 0 2,794 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   366,653 9,306 SH   SOLE 0 9,305 0 0
PEPSICO INC COM Stock 713448108   578,369 3,201 SH   SOLE 0 3,201 0 0
KIMBERLY-CLARK CORP COM Stock 494368103   364,489 2,685 SH   SOLE 0 2,685 0 0
US BANCORP DEL COM NEW Stock 902973304   2,216,129 50,817 SH   SOLE 0 50,817 0 0
HOME DEPOT INC COM Stock 437076102   1,569,724 4,970 SH   SOLE 0 4,969 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   1,028,111 4,304 SH   SOLE 0 4,304 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   231,851 5,723 SH   SOLE 0 5,723 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   209,583 4,677 SH   SOLE 0 4,677 0 0
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300   489,878 8,817 SH   SOLE 0 8,817 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   681,597 7,202 SH   SOLE 0 7,202 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   1,192,354 3,860 SH   SOLE 0 3,860 0 0
MICROSOFT CORP COM Stock 594918104   3,320,287 13,845 SH   SOLE 0 13,844 0 0
NEXTERA ENERGY INC COM Stock 65339F101   793,113 9,487 SH   SOLE 0 9,487 0 0
TESLA INC COM Stock 88160R101   312,754 2,539 SH   SOLE 0 2,539 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504   334,799 1,350 SH   SOLE 0 1,349 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   296,035 8,656 SH   SOLE 0 8,656 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409   372,265 5,639 SH   SOLE 0 5,638 0 0
SCHWAB U.S. REIT ETF ETF 808524847   215,115 11,152 SH   SOLE 0 11,151 0 0
SCHWAB U.S. MID-CAP ETF ETF 808524508   1,536,284 23,415 SH   SOLE 0 23,415 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   2,841,132 16,295 SH   SOLE 0 16,294 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   1,907,361 25,250 SH   SOLE 0 25,249 0 0
VISA INC COM CL A Stock 92826C839   302,914 1,458 SH   SOLE 0 1,458 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   454,807 6,308 SH   SOLE 0 6,308 0 0
VANGUARD VALUE ETF ETF 922908744   2,019,740 14,389 SH   SOLE 0 14,388 0 0
VANGUARD GROWTH ETF ETF 922908736   1,376,728 6,460 SH   SOLE 0 6,460 0 0
ISHARES US TRANSPORTATION ETF ETF 464287192   363,249 1,701 SH   SOLE 0 1,701 0 0
ASML HOLDING N V N Y REGISTRY SHS ADR N07059210   257,901 472 SH   SOLE 0 472 0 0
NVIDIA CORPORATION COM Stock 67066G104   771,641 5,280 SH   SOLE 0 5,280 0 0
ABBVIE INC COM Stock 00287Y109   1,209,225 7,482 SH   SOLE 0 7,482 0 0
QUALCOMM INC COM Stock 747525103   339,495 3,088 SH   SOLE 0 3,088 0 0
FLEXSHARES QUALITY DIVIDEND INDEX FUND ETF 33939L860   230,493 4,382 SH   SOLE 0 4,382 0 0
CISCO SYS INC COM Stock 17275R102   298,703 6,270 SH   SOLE 0 6,270 0 0
ISHARES MSCI USA MOMENTUM FACTOR ETF ETF 46432F396   312,144 2,139 SH   SOLE 0 2,139 0 0
FIDELITY MSCI HEALTH CARE INDEX ETF ETF 316092600   883,615 13,811 SH   SOLE 0 13,810 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309   688,370 11,767 SH   SOLE 0 11,767 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   240,900 627 SH   SOLE 0 627 0 0
WELLS FARGO CO NEW COM Stock 949746101   597,271 14,465 SH   SOLE 0 14,465 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102   208,423 382 SH   SOLE 0 382 0 0
LOCKHEED MARTIN CORP COM Stock 539830109   206,272 424 SH   SOLE 0 424 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   1,442,956 10,760 SH   SOLE 0 10,760 0 0
CHEVRON CORP NEW COM Stock 166764100   647,241 3,606 SH   SOLE 0 3,606 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   4,598,373 36,755 SH   SOLE 0 36,754 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   3,847,431 35,555 SH   SOLE 0 35,555 0 0
PFIZER INC COM Stock 717081103   527,671 10,298 SH   SOLE 0 10,298 0 0
CATERPILLAR INC COM Stock 149123101   424,979 1,774 SH   SOLE 0 1,774 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   336,287 3,790 SH   SOLE 0 3,790 0 0
AMGEN INC COM Stock 031162100   348,786 1,328 SH   SOLE 0 1,328 0 0
NUVEEN PFD & INCOME OPPORTUNIT COM CEF 67073B106   139,048 19,100 SH   SOLE 0 19,100 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   2,003,325 21,940 SH   SOLE 0 21,939 0 0
VANGUARD MEGA CAP GROWTH ETF ETF 921910816   870,143 5,057 SH   SOLE 0 5,056 0 0
EXXON MOBIL CORP COM Stock 30231G102   1,424,304 12,913 SH   SOLE 0 12,913 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102   243,353 459 SH   SOLE 0 459 0 0
NOVO-NORDISK A S ADR ADR 670100205   489,660 3,618 SH   SOLE 0 3,618 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   4,176,138 17,265 SH   SOLE 0 17,264 0 0
APPLE INC COM Stock 037833100   4,935,086 37,983 SH   SOLE 0 37,982 0 0
ABBOTT LABS COM Stock 002824100   213,102 1,941 SH   SOLE 0 1,941 0 0
DISNEY WALT CO COM Stock 254687106   435,746 5,015 SH   SOLE 0 5,015 0 0