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

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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
3M CO COM 88579Y101 209 1,531 SH   SOLE   0 0 1,531
AT&T INC COM 00206R102 265 9,096 SH   SOLE   0 0 9,096
CATERPILLAR INC DEL COM 149123101 383 3,300 SH   SOLE   0 0 3,300
CHEVRON CORP NEW COM 166764100 520 7,170 SH   SOLE   0 0 7,170
CLOROX CO DEL COM 189054109 347 2,000 SH   SOLE   0 0 2,000
FAIR ISAAC CORP COM 303250104 117,553 382,049 SH   SOLE   0 0 382,049
ISHARES TR CORE S&P TTL STK 464287150 203 3,554 SH   SOLE   0 0 3,554
ISHARES TR SELECT DIVID ETF 464287168 266 6,318 SH   SOLE   0 0 6,318
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 290 4,791 SH   SOLE   0 0 4,791
SPDR S&P 500 ETF TR TR UNIT 78462F103 277 1,075 SH   SOLE   0 0 1,075
VANGUARD INDEX FDS TOTAL STK MKT 922908769 490 3,803 SH   SOLE   0 0 3,803
VANGUARD STAR FDS VG TL INTL STK F 921909768 327 7,805 SH   SOLE   0 0 7,805
WELLS FARGO CO NEW COM 949746101 1,350 47,040 SH   SOLE   0 0 47,040
WESTAMERICA BANCORPORATION COM 957090103 247 4,200 SH   SOLE   0 0 4,200