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   373,676 3,089 SH   SOLE   0 0 3,089
AMAZON COM INC COM 023135106   390,298 2,994 SH   SOLE   0 0 2,994
AMPLIFY ETF TR CWP ENHANCED DIV 032108409   5,374,332 149,287 SH   SOLE   0 0 149,287
APPLE INC COM 037833100   8,022,095 41,357 SH   SOLE   0 0 41,357
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,429,625 7,125 SH   SOLE   0 0 7,125
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   21,102,791 780,429 SH   SOLE   0 0 780,429
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   30,844,438 1,269,841 SH   SOLE   0 0 1,269,841
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   33,116,016 1,487,692 SH   SOLE   0 0 1,487,692
CHEVRON CORP NEW COM 166764100   384,563 2,444 SH   SOLE   0 0 2,444
COCA COLA CO COM 191216100   391,249 6,497 SH   SOLE   0 0 6,497
COSTCO WHSL CORP NEW COM 22160K105   276,999 515 SH   SOLE   0 0 515
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289   459,640 13,654 SH   SOLE   0 0 13,654
EXXON MOBIL CORP COM 30231G102   252,657 2,356 SH   SOLE   0 0 2,356
HOME DEPOT INC COM 437076102   385,194 1,240 SH   SOLE   0 0 1,240
HONEYWELL INTL INC COM 438516106   357,730 1,724 SH   SOLE   0 0 1,724
HP INC COM 40434L105   216,045 7,035 SH   SOLE   0 0 7,035
INTEL CORP COM 458140100   1,861,688 55,672 SH   SOLE   0 0 55,672
INTUIT COM 461202103   332,188 725 SH   SOLE   0 0 725
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   15,650,049 315,271 SH   SOLE   0 0 315,271
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   9,743,428 65,112 SH   SOLE   0 0 65,112
ISHARES TR 0-5YR HI YL CP 46434V407   1,559,253 37,618 SH   SOLE   0 0 37,618
ISHARES TR CALIF MUN BD ETF 464288356   1,172,145 20,582 SH   SOLE   0 0 20,582
ISHARES TR CORE S&P MCP ETF 464287507   1,018,170 3,894 SH   SOLE   0 0 3,894
ISHARES TR CORE S&P SCP ETF 464287804   763,639 7,663 SH   SOLE   0 0 7,663
ISHARES TR CORE S&P TTL STK 464287150   72,573,495 741,757 SH   SOLE   0 0 741,757
ISHARES TR CORE S&P500 ETF 464287200   732,333 1,643 SH   SOLE   0 0 1,643
ISHARES TR ESG ADV TTL USD 46436E619   1,375,930 32,314 SH   SOLE   0 0 32,314
ISHARES TR ESG AWARE MSCI 46435U663   329,590 9,279 SH   SOLE   0 0 9,279
ISHARES TR ESG AWRE 1 5 YR 46435G243   931,677 38,966 SH   SOLE   0 0 38,966
ISHARES TR ESG EAFE ETF 46436E759   356,212 5,848 SH   SOLE   0 0 5,848
ISHARES TR FLTG RATE NT ETF 46429B655   589,172 11,593 SH   SOLE   0 0 11,593
ISHARES TR GL CLEAN ENE ETF 464288224   268,424 14,588 SH   SOLE   0 0 14,588
ISHARES TR ISHS 1-5YR INVS 464288646   207,698 4,140 SH   SOLE   0 0 4,140
ISHARES TR MSCI INTL VLU FT 46435G409   735,861 28,914 SH   SOLE   0 0 28,914
ISHARES TR MSCI USA MIN VOL 46429B697   292,271 3,932 SH   SOLE   0 0 3,932
ISHARES TR MSCI USA QLT FCT 46432F339   1,665,164 12,346 SH   SOLE   0 0 12,346
ISHARES TR NATIONAL MUN ETF 464288414   3,949,239 37,002 SH   SOLE   0 0 37,002
ISHARES TR RUS 1000 VAL ETF 464287598   3,357,673 21,274 SH   SOLE   0 0 21,274
ISHARES TR SHORT TREAS BD 464288679   552,249 5,000 SH   SOLE   0 0 5,000
ISHARES TR SHRT NAT MUN ETF 464288158   6,947,750 66,780 SH   SOLE   0 0 66,780
ISHARES TR US TREAS BD ETF 46429B267   27,321,283 1,193,069 SH   SOLE   0 0 1,193,069
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   20,744,624 374,925 SH   SOLE   0 0 374,925
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   212,894 4,246 SH   SOLE   0 0 4,246
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,392,267 27,488 SH   SOLE   0 0 27,488
JOHNSON & JOHNSON COM 478160104   1,110,803 6,711 SH   SOLE   0 0 6,711
KLA CORP COM NEW 482480100   259,486 535 SH   SOLE   0 0 535
KROGER CO COM 501044101   398,701 8,483 SH   SOLE   0 0 8,483
MARRIOTT INTL INC NEW CL A 571903202   257,533 1,402 SH   SOLE   0 0 1,402
MCDONALDS CORP COM 580135101   514,757 1,725 SH   SOLE   0 0 1,725
MERCK & CO INC COM 58933Y105   609,100 5,279 SH   SOLE   0 0 5,279
META PLATFORMS INC CL A 30303M102   1,002,421 3,493 SH   SOLE   0 0 3,493
MICROSOFT CORP COM 594918104   2,305,413 6,770 SH   SOLE   0 0 6,770
NIKE INC CL B 654106103   640,256 5,801 SH   SOLE   0 0 5,801
NORFOLK SOUTHN CORP COM 655844108   212,701 938 SH   SOLE   0 0 938
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   940,255 27,136 SH   SOLE   0 0 27,136
ORACLE CORP COM 68389X105   380,850 3,198 SH   SOLE   0 0 3,198
PFIZER INC COM 717081103   451,788 12,317 SH   SOLE   0 0 12,317
PORTLAND GEN ELEC CO COM NEW 736508847   230,168 4,915 SH   SOLE   0 0 4,915
PROCTER AND GAMBLE CO COM 742718109   592,697 3,906 SH   SOLE   0 0 3,906
REALTY INCOME CORP COM 756109104   274,369 4,589 SH   SOLE   0 0 4,589
RIVERVIEW BANCORP INC COM 769397100   201,116 39,904 SH   SOLE   0 0 39,904
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,300,846 93,416 SH   SOLE   0 0 93,416
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,409,305 67,582 SH   SOLE   0 0 67,582
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   2,696,233 46,834 SH   SOLE   0 0 46,834
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   7,411,767 146,913 SH   SOLE   0 0 146,913
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   5,642,768 210,787 SH   SOLE   0 0 210,787
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   16,052,499 497,135 SH   SOLE   0 0 497,135
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   27,495,656 79,964 SH   SOLE   0 0 79,964
SPDR GOLD TR GOLD SHS 78463V107   1,121,497 6,291 SH   SOLE   0 0 6,291
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   40,347,168 994,998 SH   SOLE   0 0 994,998
STARBUCKS CORP COM 855244109   384,452 3,881 SH   SOLE   0 0 3,881
TESLA INC COM 88160R101   724,841 2,769 SH   SOLE   0 0 2,769
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   333,561 3,630 SH   SOLE   0 0 3,630
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   221,914 4,540 SH   SOLE   0 0 4,540
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,191,810 31,132 SH   SOLE   0 0 31,132
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,867,724 8,479 SH   SOLE   0 0 8,479
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,499,104 184,344 SH   SOLE   0 0 184,344
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,673,540 35,292 SH   SOLE   0 0 35,292
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,333,642 26,556 SH   SOLE   0 0 26,556
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   461,302 7,864 SH   SOLE   0 0 7,864
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   28,106,359 371,482 SH   SOLE   0 0 371,482
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   541,294 7,821 SH   SOLE   0 0 7,821
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,453,861 21,264 SH   SOLE   0 0 21,264
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   17,387,939 376,525 SH   SOLE   0 0 376,525
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   769,350 7,253 SH   SOLE   0 0 7,253
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   2,393,256 31,872 SH   SOLE   0 0 31,872
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   295,361 4,673 SH   SOLE   0 0 4,673
VANGUARD WORLD FD ESG INTL STK ETF 921910725   513,200 9,663 SH   SOLE   0 0 9,663
VANGUARD WORLD FD ESG US STK ETF 921910733   1,548,823 19,768 SH   SOLE   0 0 19,768
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   228,115 2,198 SH   SOLE   0 0 2,198
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   8,825,924 36,051 SH   SOLE   0 0 36,051
WASTE MGMT INC DEL COM 94106L109   346,840 2,000 SH   SOLE   0 0 2,000
WEYERHAEUSER CO MTN BE COM NEW 962166104   363,818 10,857 SH   SOLE   0 0 10,857