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 263 1,500 SH   SOLE   0 0 1,500
ABBOTT LABS COM 002824100 213 1,800 SH   SOLE   0 0 1,800
AMAZON COM INC COM 023135106 345 105 SH   SOLE   0 0 105
APPLE INC COM 037833100 264 1,866 SH   SOLE   0 0 1,866
BK OF AMERICA CORP COM 060505104 216 5,100 SH   SOLE   0 0 5,100
CATERPILLAR INC COM 149123101 514 2,680 SH   SOLE   0 0 2,680
CHEVRON CORP NEW COM 166764100 443 4,370 SH   SOLE   0 0 4,370
CLOROX CO DEL COM 189054109 331 2,000 SH   SOLE   0 0 2,000
FAIR ISAAC CORP COM 303250104 149,718 376,241 SH   SOLE   0 0 376,241
ISHARES TR CORE S&P TTL STK 464287150 344 3,494 SH   SOLE   0 0 3,494
ISHARES TR SELECT DIVID ETF 464287168 413 3,600 SH   SOLE   0 0 3,600
NVIDIA CORPORATION COM 67066G104 516 2,492 SH   SOLE   0 0 2,492
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 529 5,089 SH   SOLE   0 0 5,089
SPDR S&P 500 ETF TR TR UNIT 78462F103 461 1,075 SH   SOLE   0 0 1,075
SPDR SER TR S&P DIVID ETF 78464A763 235 2,000 SH   SOLE   0 0 2,000
TESLA INC COM 88160R101 278 358 SH   SOLE   0 0 358
VANGUARD INDEX FDS GROWTH ETF 922908736 421 1,450 SH   SOLE   0 0 1,450
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,015 4,573 SH   SOLE   0 0 4,573
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 219 1,635 SH   SOLE   0 0 1,635
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 328 3,220 SH   SOLE   0 0 3,220
VANGUARD STAR FDS VG TL INTL STK F 921909768 427 6,755 SH   SOLE   0 0 6,755
WELLS FARGO CO NEW COM 949746101 1,626 35,040 SH   SOLE   0 0 35,040
WESTAMERICA BANCORPORATION COM 957090103 236 4,200 SH   SOLE   0 0 4,200