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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
ABRDN AUSTRALIA EQUITY FD IN COM 003011103   116,926 27,447 SH   SOLE   27,447 0 0
ALPHABET INC CAP STK CL C 02079K107   250,620 1,646 SH   SOLE   1,646 0 0
AMAZON COM INC COM 023135106   539,336 2,990 SH   SOLE   2,990 0 0
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   714,057 11,112 SH   SOLE   11,112 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,798,996 19,197 SH   SOLE   19,197 0 0
APPLE INC COM 037833100   3,208,485 18,711 SH   SOLE   18,710 0 0
ARES CAPITAL CORP COM 04010L103   624,621 30,001 SH   SOLE   30,001 0 0
BANK AMERICA CORP COM 060505104   534,287 14,090 SH   SOLE   14,090 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,266,606 3,012 SH   SOLE   3,012 0 0
BUTTERFLY NETWORK INC COM CL A 124155102   32,413 30,012 SH   SOLE   30,012 0 0
CAPITAL GROUP CORE BALANCED SHS 14021D107   228,222 7,840 SH   SOLE   7,840 0 0
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   4,868,532 156,243 SH   SOLE   156,243 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   221,520 6,816 SH   SOLE   6,816 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   4,529,978 141,606 SH   SOLE   141,606 0 0
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   4,347,230 168,628 SH   SOLE   168,628 0 0
CAPITAL GRP FIXED INCM ETF T SHORT DURATION 14020Y409   10,385,260 408,949 SH   SOLE   408,949 0 0
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   3,714,749 165,394 SH   SOLE   165,394 0 0
CENTRAL VY CMNTY BANCORP COM 155685100   243,454 12,240 SH   SOLE   12,240 0 0
CHEVRON CORP NEW COM 166764100   939,973 5,959 SH   SOLE   5,959 0 0
COSTCO WHSL CORP NEW COM 22160K105   419,849 573 SH   SOLE   573 0 0
DEVON ENERGY CORP NEW COM 25179M103   210,338 4,192 SH   SOLE   4,192 0 0
DISNEY WALT CO COM 254687106   471,250 3,851 SH   SOLE   3,851 0 0
ELI LILLY & CO COM 532457108   233,388 300 SH   SOLE   300 0 0
ENBRIDGE INC COM 29250N105   236,556 6,539 SH   SOLE   6,539 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   626,306 21,464 SH   SOLE   21,464 0 0
EXXON MOBIL CORP COM 30231G102   945,541 8,134 SH   SOLE   8,134 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   8,977,542 198,136 SH   SOLE   198,136 0 0
FORD MTR CO DEL COM 345370860   146,789 11,053 SH   SOLE   11,053 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,899,254 18,825 SH   SOLE   18,825 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258   312,041 3,528 SH   SOLE   3,528 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   806,322 1,816 SH   SOLE   1,816 0 0
ISHARES GOLD TR ISHARES NEW 464285204   955,475 22,744 SH   SOLE   22,744 0 0
ISHARES TR CORE S&P MCP ETF 464287507   264,219 4,350 SH   SOLE   4,350 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   6,668,113 115,246 SH   SOLE   115,245 0 0
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   7,884,695 169,454 SH   SOLE   169,454 0 0
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   3,097,260 67,982 SH   SOLE   67,982 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   985,758 18,174 SH   SOLE   18,174 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   2,542,328 50,105 SH   SOLE   50,105 0 0
JPMORGAN CHASE & CO COM 46625H100   739,364 3,691 SH   SOLE   3,691 0 0
KINDER MORGAN INC DEL COM 49456B101   275,100 15,000 SH   SOLE   15,000 0 0
META PLATFORMS INC CL A 30303M102   296,689 611 SH   SOLE   611 0 0
MICROSOFT CORP COM 594918104   1,164,682 2,768 SH   SOLE   2,768 0 0
NNN REIT INC COM 637417106   223,445 5,228 SH   SOLE   5,228 0 0
NVIDIA CORPORATION COM 67066G104   1,011,084 1,119 SH   SOLE   1,119 0 0
OXFORD LANE CAP CORP COM 691543102   272,425 53,627 SH   SOLE   53,627 0 0
PEMBINA PIPELINE CORP COM 706327103   226,141 6,399 SH   SOLE   6,399 0 0
PFIZER INC COM 717081103   246,848 8,895 SH   SOLE   8,895 0 0
PIMCO CORPORATE & INCM STRG COM 72200U100   180,003 12,885 SH   SOLE   12,885 0 0
PIMCO ETF TR MUNI INCOME OPP 72201R635   4,433,685 97,166 SH   SOLE   97,166 0 0
PIMCO ETF TR ULTRA SHORT GOVT 72201R577   4,268,732 42,202 SH   SOLE   42,202 0 0
PIMCO ETF TR MULTISECTOR BD 72201R585   13,484,458 523,465 SH   SOLE   523,465 0 0
PINNACLE WEST CAP CORP COM 723484101   242,873 3,250 SH   SOLE   3,250 0 0
PIONEER NAT RES CO COM 723787107   206,486 787 SH   SOLE   786 0 0
PLUG POWER INC COM NEW 72919P202   51,600 15,000 SH   SOLE   15,000 0 0
REALTY INCOME CORP COM 756109104   314,387 5,811 SH   SOLE   5,811 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   8,220,579 101,954 SH   SOLE   101,954 0 0
SPDR GOLD TR GOLD SHS 78463V107   518,003 2,518 SH   SOLE   2,518 0 0
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   249,423 3,278 SH   SOLE   3,278 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409   5,332,854 72,903 SH   SOLE   72,903 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   31,649,069 344,761 SH   SOLE   344,761 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   10,657,427 166,133 SH   SOLE   166,132 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,039,576 40,710 SH   SOLE   40,710 0 0
UNITED SEC BANCSHARES CALIF COM 911460103   9,198,708 1,193,088 SH   SOLE   1,193,087 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,209,197 18,414 SH   SOLE   18,413 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   524,161 2,223 SH   SOLE   2,223 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,441,161 9,393 SH   SOLE   9,393 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   4,631,606 18,537 SH   SOLE   18,536 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   4,036,880 24,787 SH   SOLE   24,787 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,788,196 14,121 SH   SOLE   14,121 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   884,594 2,570 SH   SOLE   2,570 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,602,297 38,360 SH   SOLE   38,360 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   268,939 5,315 SH   SOLE   5,315 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,566,951 8,581 SH   SOLE   8,581 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,749,379 30,989 SH   SOLE   30,989 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   213,332 789 SH   SOLE   788 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   567,532 13,526 SH   SOLE   13,526 0 0
VIPER ENERGY INC CL A 927959106   335,833 8,732 SH   SOLE   8,732 0 0
WELLS FARGO CO NEW PERP PFD CNV A 949746804   209,728 172 SH   SOLE   172 0 0
WELLS FARGO CO NEW COM 949746101   312,583 5,393 SH   SOLE   5,393 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109   248,356 3,512 SH   SOLE   3,511 0 0