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 267 1,532 SH   SOLE   0 0 1,532
AMAZON COM INC COM 023135106 342 105 SH   SOLE   0 0 105
APPLE INC COM 037833100 239 1,794 SH   SOLE   0 0 1,794
BK OF AMERICA CORP COM 060505104 211 7,000 SH   SOLE   0 0 7,000
CATERPILLAR INC COM 149123101 599 3,300 SH   SOLE   0 0 3,300
CHEVRON CORP NEW COM 166764100 605 7,170 SH   SOLE   0 0 7,170
CLOROX CO DEL COM 189054109 402 2,000 SH   SOLE   0 0 2,000
FAIR ISAAC CORP COM 303250104 193,561 378,870 SH   SOLE   0 0 378,870
ISHARES TR CORE S&P TTL STK 464287150 302 3,514 SH   SOLE   0 0 3,514
ISHARES TR SELECT DIVID ETF 464287168 347 3,618 SH   SOLE   0 0 3,618
NVIDIA CORPORATION COM 67066G104 281 540 SH   SOLE   0 0 540
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 446 4,911 SH   SOLE   0 0 4,911
SEMPRA ENERGY COM 816851109 207 1,636 SH   SOLE   0 0 1,636
SPDR S&P 500 ETF TR TR UNIT 78462F103 401 1,075 SH   SOLE   0 0 1,075
TESLA INC COM 88160R101 283 398 SH   SOLE   0 0 398
UNITEDHEALTH GROUP INC COM 91324P102 299 9,647 SH   SOLE   0 0 9,647
VANGUARD INDEX FDS GROWTH ETF 922908736 302 1,196 SH   SOLE   0 0 1,196
VANGUARD INDEX FDS TOTAL STK MKT 922908769 738 3,803 SH   SOLE   0 0 3,803
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 232 2,504 SH   SOLE   0 0 2,504
VANGUARD STAR FDS VG TL INTL STK F 921909768 407 6,755 SH   SOLE   0 0 6,755
WELLS FARGO CO NEW COM 949746101 1,143 38,040 SH   SOLE   0 0 38,040
WESTAMERICA BANCORPORATION COM 957090103 233 4,200 SH   SOLE   0 0 4,200