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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305   213,171 1,629 SH   SOLE   0 0 1,629
ALPHABET INC CAP STK CL C 02079K107   407,285 3,089 SH   SOLE   0 0 3,089
AMAZON COM INC COM 023135106   306,868 2,414 SH   SOLE   0 0 2,414
AMGEN INC COM 031162100   205,870 766 SH   SOLE   0 0 766
AMPLIFY ETF TR CWP ENHANCED DIV 032108409   2,985,530 85,964 SH   SOLE   0 0 85,964
APPLE INC COM 037833100   7,311,847 42,707 SH   SOLE   0 0 42,707
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,152,350 8,999 SH   SOLE   0 0 8,999
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   32,604,798 1,231,764 SH   SOLE   0 0 1,231,764
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   31,676,357 1,382,040 SH   SOLE   0 0 1,382,040
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   57,223,982 2,661,581 SH   SOLE   0 0 2,661,581
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201   645,070 25,100 SH   SOLE   0 0 25,100
CHEVRON CORP NEW COM 166764100   389,512 2,310 SH   SOLE   0 0 2,310
COCA COLA CO COM 191216100   355,753 6,355 SH   SOLE   0 0 6,355
COSTCO WHSL CORP NEW COM 22160K105   290,674 515 SH   SOLE   0 0 515
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289   290,960 9,309 SH   SOLE   0 0 9,309
EXXON MOBIL CORP COM 30231G102   277,101 2,357 SH   SOLE   0 0 2,357
HOME DEPOT INC COM 437076102   367,729 1,217 SH   SOLE   0 0 1,217
HONEYWELL INTL INC COM 438516106   316,090 1,711 SH   SOLE   0 0 1,711
INTEL CORP COM 458140100   2,000,779 56,281 SH   SOLE   0 0 56,281
INTUIT COM 461202103   370,432 725 SH   SOLE   0 0 725
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   15,655,899 315,008 SH   SOLE   0 0 315,008
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   8,798,862 62,099 SH   SOLE   0 0 62,099
ISHARES TR 0-5YR HI YL CP 46434V407   1,638,397 39,932 SH   SOLE   0 0 39,932
ISHARES TR 10-20 YR TRS ETF 464288653   12,281,676 124,725 SH   SOLE   0 0 124,725
ISHARES TR CALIF MUN BD ETF 464288356   1,128,717 20,582 SH   SOLE   0 0 20,582
ISHARES TR CORE S&P MCP ETF 464287507   931,904 3,737 SH   SOLE   0 0 3,737
ISHARES TR CORE S&P SCP ETF 464287804   705,758 7,482 SH   SOLE   0 0 7,482
ISHARES TR CORE S&P TTL STK 464287150   74,349,354 789,355 SH   SOLE   0 0 789,355
ISHARES TR CORE S&P500 ETF 464287200   705,584 1,643 SH   SOLE   0 0 1,643
ISHARES TR ESG ADV TTL USD 46436E619   1,314,676 32,183 SH   SOLE   0 0 32,183
ISHARES TR ESG AWARE MSCI 46435U663   306,888 9,120 SH   SOLE   0 0 9,120
ISHARES TR ESG AWRE 1 5 YR 46435G243   890,781 37,475 SH   SOLE   0 0 37,475
ISHARES TR ESG EAFE ETF 46436E759   339,124 5,940 SH   SOLE   0 0 5,940
ISHARES TR FLTG RATE NT ETF 46429B655   243,882 4,792 SH   SOLE   0 0 4,792
ISHARES TR GL CLEAN ENE ETF 464288224   229,275 15,682 SH   SOLE   0 0 15,682
ISHARES TR IBONDS 24 TRM HG 46435U184   234,358 10,102 SH   SOLE   0 0 10,102
ISHARES TR IBONDS 27 ETF 46435UAA9   247,234 10,684 SH   SOLE   0 0 10,684
ISHARES TR IBONDS DEC2026 46435GAA0   249,008 10,671 SH   SOLE   0 0 10,671
ISHARES TR IBONDS DEC24 ETF 46434VBG4   304,678 12,320 SH   SOLE   0 0 12,320
ISHARES TR IBONDS DEC25 ETF 46434VBD1   277,968 11,406 SH   SOLE   0 0 11,406
ISHARES TR MSCI INTL VLU FT 46435G409   681,575 26,876 SH   SOLE   0 0 26,876
ISHARES TR MSCI USA QLT FCT 46432F339   1,561,411 11,848 SH   SOLE   0 0 11,848
ISHARES TR NATIONAL MUN ETF 464288414   3,748,980 36,561 SH   SOLE   0 0 36,561
ISHARES TR RUS 1000 VAL ETF 464287598   2,789,655 18,375 SH   SOLE   0 0 18,375
ISHARES TR SHORT TREAS BD 464288679   480,262 4,347 SH   SOLE   0 0 4,347
ISHARES TR SHRT NAT MUN ETF 464288158   6,055,751 58,874 SH   SOLE   0 0 58,874
ISHARES TR US TREAS BD ETF 46429B267   22,706,196 1,030,227 SH   SOLE   0 0 1,030,227
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   12,037,983 224,757 SH   SOLE   0 0 224,757
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,036,344 20,542 SH   SOLE   0 0 20,542
JOHNSON & JOHNSON COM 478160104   936,800 6,015 SH   SOLE   0 0 6,015
KLA CORP COM NEW 482480100   245,383 535 SH   SOLE   0 0 535
KROGER CO COM 501044101   379,614 8,483 SH   SOLE   0 0 8,483
MARRIOTT INTL INC NEW CL A 571903202   275,577 1,402 SH   SOLE   0 0 1,402
MCDONALDS CORP COM 580135101   436,520 1,657 SH   SOLE   0 0 1,657
MERCK & CO INC COM 58933Y105   511,363 4,967 SH   SOLE   0 0 4,967
META PLATFORMS INC CL A 30303M102   888,021 2,958 SH   SOLE   0 0 2,958
MICROSOFT CORP COM 594918104   2,058,714 6,520 SH   SOLE   0 0 6,520
NIKE INC CL B 654106103   554,692 5,801 SH   SOLE   0 0 5,801
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   884,351 26,328 SH   SOLE   0 0 26,328
ORACLE CORP COM 68389X105   360,128 3,400 SH   SOLE   0 0 3,400
PFIZER INC COM 717081103   402,319 12,129 SH   SOLE   0 0 12,129
PROCTER AND GAMBLE CO COM 742718109   547,413 3,753 SH   SOLE   0 0 3,753
REALTY INCOME CORP COM 756109104   229,712 4,600 SH   SOLE   0 0 4,600
RIVERVIEW BANCORP INC COM 769397100   222,589 40,034 SH   SOLE   0 0 40,034
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,176,071 90,897 SH   SOLE   0 0 90,897
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,173,796 64,010 SH   SOLE   0 0 64,010
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   2,448,072 43,739 SH   SOLE   0 0 43,739
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   7,351,413 151,607 SH   SOLE   0 0 151,607
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   5,844,543 222,904 SH   SOLE   0 0 222,904
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   16,545,019 522,419 SH   SOLE   0 0 522,419
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   287,395 4,062 SH   SOLE   0 0 4,062
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   21,571,215 64,401 SH   SOLE   0 0 64,401
SPDR GOLD TR GOLD SHS 78463V107   1,045,502 6,098 SH   SOLE   0 0 6,098
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   21,048,110 544,582 SH   SOLE   0 0 544,582
STARBUCKS CORP COM 855244109   351,481 3,851 SH   SOLE   0 0 3,851
TESLA INC COM 88160R101   669,339 2,675 SH   SOLE   0 0 2,675
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   294,538 3,370 SH   SOLE   0 0 3,370
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   217,147 4,540 SH   SOLE   0 0 4,540
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,978,638 31,621 SH   SOLE   0 0 31,621
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,891,333 8,904 SH   SOLE   0 0 8,904
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,453,638 190,095 SH   SOLE   0 0 190,095
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,169,169 24,729 SH   SOLE   0 0 24,729
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,353,823 28,146 SH   SOLE   0 0 28,146
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   480,174 8,402 SH   SOLE   0 0 8,402
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   23,405,753 311,454 SH   SOLE   0 0 311,454
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   315,771 4,737 SH   SOLE   0 0 4,737
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,190,582 20,534 SH   SOLE   0 0 20,534
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   16,764,589 383,454 SH   SOLE   0 0 383,454
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   635,016 6,146 SH   SOLE   0 0 6,146
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   2,120,566 29,729 SH   SOLE   0 0 29,729
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   211,711 3,421 SH   SOLE   0 0 3,421
VANGUARD WORLD FD ESG INTL STK ETF 921910725   534,762 10,602 SH   SOLE   0 0 10,602
VANGUARD WORLD FD ESG US STK ETF 921910733   1,398,340 18,590 SH   SOLE   0 0 18,590
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   7,987,315 33,974 SH   SOLE   0 0 33,974
WASTE MGMT INC DEL COM 94106L109   304,880 2,000 SH   SOLE   0 0 2,000
WEYERHAEUSER CO MTN BE COM NEW 962166104   325,671 10,622 SH   SOLE   0 0 10,622