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
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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
ALPHABET INC CAP STK CL C 02079K107   321,256 3,089 SH   SOLE   0 0 3,089
AMAZON COM INC COM 023135106   324,331 3,140 SH   SOLE   0 0 3,140
AMGEN INC COM 031162100   209,356 866 SH   SOLE   0 0 866
AMPLIFY ETF TR CWP ENHANCED DIV 032108409   5,220,368 147,177 SH   SOLE   0 0 147,177
APPLE INC COM 037833100   6,900,592 41,847 SH   SOLE   0 0 41,847
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,199,986 7,125 SH   SOLE   0 0 7,125
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   18,120,027 726,545 SH   SOLE   0 0 726,545
CAPITAL GROUP FIXED INCOME E CORE PLUS INCM 14020Y102   30,341,339 1,331,344 SH   SOLE   0 0 1,331,344
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   23,823,424 1,033,106 SH   SOLE   0 0 1,033,106
CHEVRON CORP NEW COM 166764100   385,058 2,360 SH   SOLE   0 0 2,360
COCA COLA CO COM 191216100   394,201 6,355 SH   SOLE   0 0 6,355
COSTCO WHSL CORP NEW COM 22160K105   255,642 515 SH   SOLE   0 0 515
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289   493,437 15,048 SH   SOLE   0 0 15,048
EXXON MOBIL CORP COM 30231G102   258,224 2,355 SH   SOLE   0 0 2,355
HOME DEPOT INC COM 437076102   351,193 1,190 SH   SOLE   0 0 1,190
HONEYWELL INTL INC COM 438516106   333,504 1,745 SH   SOLE   0 0 1,745
HP INC COM 40434L105   206,477 7,035 SH   SOLE   0 0 7,035
INTEL CORP COM 458140100   1,826,751 55,915 SH   SOLE   0 0 55,915
INTUIT COM 461202103   323,227 725 SH   SOLE   0 0 725
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   19,676,780 396,709 SH   SOLE   0 0 396,709
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   255,979 18,001 SH   SOLE   0 0 18,001
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206   383,265 15,473 SH   SOLE   0 0 15,473
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   9,814,538 67,864 SH   SOLE   0 0 67,864
ISHARES TR 0-5YR HI YL CP 46434V407   1,646,499 39,503 SH   SOLE   0 0 39,503
ISHARES TR CALIF MUN BD ETF 464288356   219,861 3,829 SH   SOLE   0 0 3,829
ISHARES TR CORE S&P MCP ETF 464287507   1,021,756 4,084 SH   SOLE   0 0 4,084
ISHARES TR CORE S&P SCP ETF 464287804   759,127 7,850 SH   SOLE   0 0 7,850
ISHARES TR CORE S&P TTL STK 464287150   64,606,225 713,487 SH   SOLE   0 0 713,487
ISHARES TR CORE S&P500 ETF 464287200   675,434 1,643 SH   SOLE   0 0 1,643
ISHARES TR ESG ADV TTL USD 46436E619   1,019,536 23,584 SH   SOLE   0 0 23,584
ISHARES TR ESG AWARE MSCI 46435U663   317,637 9,345 SH   SOLE   0 0 9,345
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,493,837 62,088 SH   SOLE   0 0 62,088
ISHARES TR ESG EAFE ETF 46436E759   344,017 5,773 SH   SOLE   0 0 5,773
ISHARES TR FLTG RATE NT ETF 46429B655   577,801 11,467 SH   SOLE   0 0 11,467
ISHARES TR GL CLEAN ENE ETF 464288224   283,596 14,337 SH   SOLE   0 0 14,337
ISHARES TR MSCI INTL VLU FT 46435G409   741,444 29,909 SH   SOLE   0 0 29,909
ISHARES TR MSCI USA MIN VOL 46429B697   285,510 3,925 SH   SOLE   0 0 3,925
ISHARES TR MSCI USA QLT FCT 46432F339   1,570,150 12,656 SH   SOLE   0 0 12,656
ISHARES TR NATIONAL MUN ETF 464288414   3,226,614 29,948 SH   SOLE   0 0 29,948
ISHARES TR RUS 1000 VAL ETF 464287598   5,422,866 35,616 SH   SOLE   0 0 35,616
ISHARES TR SHORT TREAS BD 464288679   547,105 4,951 SH   SOLE   0 0 4,951
ISHARES TR SHRT NAT MUN ETF 464288158   6,224,861 59,466 SH   SOLE   0 0 59,466
ISHARES TR US TREAS BD ETF 46429B267   25,262,961 1,080,537 SH   SOLE   0 0 1,080,537
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   19,906,426 364,587 SH   SOLE   0 0 364,587
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   509,591 10,127 SH   SOLE   0 0 10,127
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,622,389 51,632 SH   SOLE   0 0 51,632
JOHNSON & JOHNSON COM 478160104   1,029,625 6,643 SH   SOLE   0 0 6,643
KLA CORP COM NEW 482480100   213,556 535 SH   SOLE   0 0 535
KROGER CO COM 501044101   418,806 8,483 SH   SOLE   0 0 8,483
MARRIOTT INTL INC NEW CL A 571903202   232,788 1,402 SH   SOLE   0 0 1,402
MCDONALDS CORP COM 580135101   463,314 1,657 SH   SOLE   0 0 1,657
MERCK & CO INC COM 58933Y105   558,610 5,251 SH   SOLE   0 0 5,251
META PLATFORMS INC CL A 30303M102   629,250 2,969 SH   SOLE   0 0 2,969
MICROSOFT CORP COM 594918104   1,933,978 6,708 SH   SOLE   0 0 6,708
NIKE INC CL B 654106103   711,435 5,801 SH   SOLE   0 0 5,801
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   1,133,979 33,284 SH   SOLE   0 0 33,284
ORACLE CORP COM 68389X105   297,158 3,198 SH   SOLE   0 0 3,198
PFIZER INC COM 717081103   502,534 12,317 SH   SOLE   0 0 12,317
PORTLAND GEN ELEC CO COM NEW 736508847   240,293 4,915 SH   SOLE   0 0 4,915
PROCTER AND GAMBLE CO COM 742718109   561,900 3,779 SH   SOLE   0 0 3,779
REALTY INCOME CORP COM 756109104   289,934 4,579 SH   SOLE   0 0 4,579
RIVERVIEW BANCORP INC COM 769397100   213,087 39,904 SH   SOLE   0 0 39,904
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,492,297 101,643 SH   SOLE   0 0 101,643
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,406,084 69,140 SH   SOLE   0 0 69,140
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   2,734,302 49,787 SH   SOLE   0 0 49,787
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   6,816,560 140,057 SH   SOLE   0 0 140,057
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   5,175,015 198,657 SH   SOLE   0 0 198,657
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   15,040,106 480,976 SH   SOLE   0 0 480,976
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   26,328,412 79,155 SH   SOLE   0 0 79,155
SPDR GOLD TR GOLD SHS 78463V107   1,153,553 6,296 SH   SOLE   0 0 6,296
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   37,160,341 905,687 SH   SOLE   0 0 905,687
STARBUCKS CORP COM 855244109   401,005 3,851 SH   SOLE   0 0 3,851
TESLA INC COM 88160R101   574,457 2,769 SH   SOLE   0 0 2,769
TORO CO COM 891092108   201,644 1,814 SH   SOLE   0 0 1,814
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   320,621 3,611 SH   SOLE   0 0 3,611
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   222,096 4,540 SH   SOLE   0 0 4,540
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   223,083 2,686 SH   SOLE   0 0 2,686
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,539,303 29,222 SH   SOLE   0 0 29,222
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,607,405 7,876 SH   SOLE   0 0 7,876
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,096,957 175,667 SH   SOLE   0 0 175,667
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,098,440 43,882 SH   SOLE   0 0 43,882
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,087,012 21,457 SH   SOLE   0 0 21,457
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   528,667 8,817 SH   SOLE   0 0 8,817
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   200,251 4,302 SH   SOLE   0 0 4,302
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   25,771,883 338,081 SH   SOLE   0 0 338,081
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,420,981 21,269 SH   SOLE   0 0 21,269
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,367,995 21,869 SH   SOLE   0 0 21,869
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   16,223,304 359,161 SH   SOLE   0 0 359,161
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   810,533 7,683 SH   SOLE   0 0 7,683
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   2,629,124 35,683 SH   SOLE   0 0 35,683
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   342,393 5,527 SH   SOLE   0 0 5,527
VANGUARD WORLD FD ESG INTL STK ETF 921910725   337,532 6,446 SH   SOLE   0 0 6,446
VANGUARD WORLD FD ESG US STK ETF 921910733   1,274,430 17,772 SH   SOLE   0 0 17,772
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   220,792 2,186 SH   SOLE   0 0 2,186
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   9,319,011 39,080 SH   SOLE   0 0 39,080
WASTE MGMT INC DEL COM 94106L109   326,340 2,000 SH   SOLE   0 0 2,000
WEYERHAEUSER CO MTN BE COM NEW 962166104   327,121 10,857 SH   SOLE   0 0 10,857