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
Estimated average burden
hours per response: 23.8
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
ALPHABET INC CAP STK CL C 02079K107 335 153 SH   SOLE   0 0 153
AMAZON COM INC COM 023135106 348 3,280 SH   SOLE   0 0 3,280
AMGEN INC COM 031162100 242 996 SH   SOLE   0 0 996
APPLE INC COM 037833100 6,011 43,963 SH   SOLE   0 0 43,963
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,204 8,073 SH   SOLE   0 0 8,073
CAPITAL GROUP CORE PLUS INCO SHS CREATION UNI 14020Y102 20,436 878,590 SH   SOLE   0 0 878,590
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 19,554 876,083 SH   SOLE   0 0 876,083
CHASE CORP COM 16150R104 316 4,055 SH   SOLE   0 0 4,055
CHEVRON CORP NEW COM 166764100 319 2,205 SH   SOLE   0 0 2,205
COCA COLA CO COM 191216100 399 6,335 SH   SOLE   0 0 6,335
COSTCO WHSL CORP NEW COM 22160K105 228 476 SH   SOLE   0 0 476
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289 5,231 166,023 SH   SOLE   0 0 166,023
EXXON MOBIL CORP COM 30231G102 223 2,600 SH   SOLE   0 0 2,600
HOME DEPOT INC COM 437076102 369 1,347 SH   SOLE   0 0 1,347
HONEYWELL INTL INC COM 438516106 422 2,426 SH   SOLE   0 0 2,426
HP INC COM 40434L105 262 8,001 SH   SOLE   0 0 8,001
INTEL CORP COM 458140100 1,938 51,807 SH   SOLE   0 0 51,807
INTERNATIONAL BUSINESS MACHS COM 459200101 213 1,509 SH   SOLE   0 0 1,509
INTUIT COM 461202103 279 725 SH   SOLE   0 0 725
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 44,421 896,482 SH   SOLE   0 0 896,482
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 4,596 254,743 SH   SOLE   0 0 254,743
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 368 15,135 SH   SOLE   0 0 15,135
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 10,160 75,694 SH   SOLE   0 0 75,694
ISHARES TR 0-5 YR TIPS ETF 46429B747 481 4,742 SH   SOLE   0 0 4,742
ISHARES TR 0-5YR HI YL CP 46434V407 10,869 268,031 SH   SOLE   0 0 268,031
ISHARES TR CORE S&P MCP ETF 464287507 1,105 4,886 SH   SOLE   0 0 4,886
ISHARES TR CORE S&P SCP ETF 464287804 837 9,057 SH   SOLE   0 0 9,057
ISHARES TR CORE S&P TTL STK 464287150 55,056 657,149 SH   SOLE   0 0 657,149
ISHARES TR CORE S&P500 ETF 464287200 612 1,614 SH   SOLE   0 0 1,614
ISHARES TR ESG ADV TTL USD 46436E619 683 15,524 SH   SOLE   0 0 15,524
ISHARES TR ESG AWARE MSCI 46435U663 263 8,340 SH   SOLE   0 0 8,340
ISHARES TR ESG AWRE 1 5 YR 46435G243 919 38,130 SH   SOLE   0 0 38,130
ISHARES TR ESG EAFE ETF 46436E759 298 5,719 SH   SOLE   0 0 5,719
ISHARES TR FLTG RATE NT ETF 46429B655 1,599 32,037 SH   SOLE   0 0 32,037
ISHARES TR GL CLEAN ENE ETF 464288224 261 13,686 SH   SOLE   0 0 13,686
ISHARES TR IBOXX INV CP ETF 464287242 321 2,914 SH   SOLE   0 0 2,914
ISHARES TR MSCI INTL VLU FT 46435G409 747 33,680 SH   SOLE   0 0 33,680
ISHARES TR MSCI USA MIN VOL 46429B697 304 4,336 SH   SOLE   0 0 4,336
ISHARES TR MSCI USA QLT FCT 46432F339 1,640 14,681 SH   SOLE   0 0 14,681
ISHARES TR NATIONAL MUN ETF 464288414 2,679 25,188 SH   SOLE   0 0 25,188
ISHARES TR RUS 1000 VAL ETF 464287598 20,687 142,696 SH   SOLE   0 0 142,696
ISHARES TR SHORT TREAS BD 464288679 871 7,911 SH   SOLE   0 0 7,911
ISHARES TR SHRT NAT MUN ETF 464288158 3,596 34,356 SH   SOLE   0 0 34,356
ISHARES TR US TREAS BD ETF 46429B267 17,625 737,435 SH   SOLE   0 0 737,435
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 559 11,169 SH   SOLE   0 0 11,169
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 1,198 23,661 SH   SOLE   0 0 23,661
JOHNSON & JOHNSON COM 478160104 1,225 6,900 SH   SOLE   0 0 6,900
KROGER CO COM 501044101 402 8,483 SH   SOLE   0 0 8,483
MCDONALDS CORP COM 580135101 428 1,733 SH   SOLE   0 0 1,733
MERCK & CO INC COM 58933Y105 487 5,340 SH   SOLE   0 0 5,340
META PLATFORMS INC CL A 30303M102 434 2,693 SH   SOLE   0 0 2,693
MICROSOFT CORP COM 594918104 1,728 6,729 SH   SOLE   0 0 6,729
NIKE INC CL B 654106103 609 5,959 SH   SOLE   0 0 5,959
NORFOLK SOUTHN CORP COM 655844108 213 938 SH   SOLE   0 0 938
NUCOR CORP COM 670346105 228 2,187 SH   SOLE   0 0 2,187
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 606 18,140 SH   SOLE   0 0 18,140
ORACLE CORP COM 68389X105 223 3,198 SH   SOLE   0 0 3,198
PFIZER INC COM 717081103 631 12,029 SH   SOLE   0 0 12,029
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 568 6,416 SH   SOLE   0 0 6,416
PIMCO ETF TR ACTIVE BD ETF 72201R775 263 2,761 SH   SOLE   0 0 2,761
PORTLAND GEN ELEC CO COM NEW 736508847 235 4,869 SH   SOLE   0 0 4,869
PROCTER AND GAMBLE CO COM 742718109 550 3,823 SH   SOLE   0 0 3,823
REALTY INCOME CORP COM 756109104 389 5,694 SH   SOLE   0 0 5,694
RIVERVIEW BANCORP INC COM 769397100 263 39,904 SH   SOLE   0 0 39,904
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,561 140,292 SH   SOLE   0 0 140,292
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,411 76,672 SH   SOLE   0 0 76,672
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 1,792 35,206 SH   SOLE   0 0 35,206
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 6,549 144,736 SH   SOLE   0 0 144,736
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 5,162 199,080 SH   SOLE   0 0 199,080
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 16,293 575,520 SH   SOLE   0 0 575,520
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 24,545 79,739 SH   SOLE   0 0 79,739
SPDR GOLD TR GOLD SHS 78463V107 1,521 9,029 SH   SOLE   0 0 9,029
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 28,617 678,453 SH   SOLE   0 0 678,453
STARBUCKS CORP COM 855244109 282 3,687 SH   SOLE   0 0 3,687
TAYLOR DEVICES INC COM 877163105 174 20,000 SH   SOLE   0 0 20,000
TESLA INC COM 88160R101 500 742 SH   SOLE   0 0 742
US BANCORP DEL COM NEW 902973304 259 5,635 SH   SOLE   0 0 5,635
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 225 4,540 SH   SOLE   0 0 4,540
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,693 32,328 SH   SOLE   0 0 32,328
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,046 5,546 SH   SOLE   0 0 5,546
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,388 153,373 SH   SOLE   0 0 153,373
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 5,236 104,478 SH   SOLE   0 0 104,478
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 405 8,118 SH   SOLE   0 0 8,118
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 459 7,511 SH   SOLE   0 0 7,511
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 306 6,410 SH   SOLE   0 0 6,410
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 9,484 124,363 SH   SOLE   0 0 124,363
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 646 10,159 SH   SOLE   0 0 10,159
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,520 24,532 SH   SOLE   0 0 24,532
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 15,619 382,819 SH   SOLE   0 0 382,819
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 936 9,201 SH   SOLE   0 0 9,201
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,942 42,886 SH   SOLE   0 0 42,886
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 499 8,491 SH   SOLE   0 0 8,491
VANGUARD WORLD FD ESG INTL STK ETF 921910725 288 5,877 SH   SOLE   0 0 5,877
VANGUARD WORLD FD ESG US STK ETF 921910733 873 13,143 SH   SOLE   0 0 13,143
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 11,156 47,370 SH   SOLE   0 0 47,370
VSE CORP COM 918284100 263 7,000 SH   SOLE   0 0 7,000
WASTE MGMT INC DEL COM 94106L109 306 2,000 SH   SOLE   0 0 2,000
WEYERHAEUSER CO MTN BE COM NEW 962166104 360 10,857 SH   SOLE   0 0 10,857