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   308,370 1,629 SH   SOLE   0 0 1,629
ALPHABET INC CAP STK CL C 02079K107   588,269 3,089 SH   SOLE   0 0 3,089
AMAZON COM INC COM 023135106   542,771 2,474 SH   SOLE   0 0 2,474
APPLE INC COM 037833100   9,908,142 39,566 SH   SOLE   0 0 39,566
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,642,040 10,241 SH   SOLE   0 0 10,241
BROADCOM INC COM 11135F101   229,522 990 SH   SOLE   0 0 990
CAPITAL GROUP CORE BALANCED SHS 14021D107   5,552,620 177,570 SH   SOLE   0 0 177,570
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   70,115,257 1,988,521 SH   SOLE   0 0 1,988,521
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   35,643,370 1,219,828 SH   SOLE   0 0 1,219,828
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   30,830,498 829,446 SH   SOLE   0 0 829,446
CAPITAL GROUP INTERNATIONAL SHS 14021M107   18,466,032 671,248 SH   SOLE   0 0 671,248
CAPITAL GROUP NEW GEOGRAPHY SHS 14021N105   6,333,788 255,704 SH   SOLE   0 0 255,704
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508   213,335 8,272 SH   SOLE   0 0 8,272
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   97,728,366 4,402,179 SH   SOLE   0 0 4,402,179
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201   358,144 13,304 SH   SOLE   0 0 13,304
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300   215,294 7,892 SH   SOLE   0 0 7,892
CHEVRON CORP NEW COM 166764100   300,978 2,078 SH   SOLE   0 0 2,078
COCA COLA CO COM 191216100   397,219 6,380 SH   SOLE   0 0 6,380
COSTCO WHSL CORP NEW COM 22160K105   426,527 466 SH   SOLE   0 0 466
ECOLAB INC COM 278865100   234,320 1,000 SH   SOLE   0 0 1,000
EXXON MOBIL CORP COM 30231G102   473,706 4,404 SH   SOLE   0 0 4,404
GE AEROSPACE COM NEW 369604301   229,503 1,376 SH   SOLE   0 0 1,376
HOME DEPOT INC COM 437076102   451,617 1,161 SH   SOLE   0 0 1,161
HONEYWELL INTL INC COM 438516106   320,990 1,421 SH   SOLE   0 0 1,421
HP INC COM 40434L105   278,758 8,543 SH   SOLE   0 0 8,543
INTEL CORP COM 458140100   1,197,386 59,720 SH   SOLE   0 0 59,720
INTERNATIONAL BUSINESS MACHS COM 459200101   265,774 1,209 SH   SOLE   0 0 1,209
INTUIT COM 461202103   455,663 725 SH   SOLE   0 0 725
INVESCO ACTIVELY MANAGED EXC ULTRA SHRT DUR 46090A887   16,041,146 320,119 SH   SOLE   0 0 320,119
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   6,881,785 39,273 SH   SOLE   0 0 39,273
ISHARES INC MSCI EMRG CHN 46434G764   3,741,489 67,475 SH   SOLE   0 0 67,475
ISHARES TR 0-5YR HI YL CP 46434V407   1,237,464 29,042 SH   SOLE   0 0 29,042
ISHARES TR 10-20 YR TRS ETF 464288653   21,831,540 219,324 SH   SOLE   0 0 219,324
ISHARES TR CALIF MUN BD ETF 464288356   1,698,123 29,646 SH   SOLE   0 0 29,646
ISHARES TR CORE S&P MCP ETF 464287507   599,475 9,621 SH   SOLE   0 0 9,621
ISHARES TR CORE S&P SCP ETF 464287804   604,557 5,247 SH   SOLE   0 0 5,247
ISHARES TR CORE S&P TTL STK 464287150   106,964,592 831,633 SH   SOLE   0 0 831,633
ISHARES TR CORE S&P500 ETF 464287200   816,541 1,387 SH   SOLE   0 0 1,387
ISHARES TR ESG ADV TTL USD 46436E619   1,287,186 30,301 SH   SOLE   0 0 30,301
ISHARES TR ESG AWARE MSCI 46435U663   304,610 7,244 SH   SOLE   0 0 7,244
ISHARES TR ESG AWRE 1 5 YR 46435G243   485,034 19,637 SH   SOLE   0 0 19,637
ISHARES TR ESG EAFE ETF 46436E759   300,623 4,652 SH   SOLE   0 0 4,652
ISHARES TR GL CLEAN ENE ETF 464288224   149,566 13,143 SH   SOLE   0 0 13,143
ISHARES TR IBDS DEC28 ETF 46435U515   541,873 21,762 SH   SOLE   0 0 21,762
ISHARES TR IBONDS 2026 TERM 46436E528   285,092 12,315 SH   SOLE   0 0 12,315
ISHARES TR IBONDS 27 ETF 46435UAA9   608,097 25,380 SH   SOLE   0 0 25,380
ISHARES TR IBONDS DEC 2030 46436E726   294,049 13,766 SH   SOLE   0 0 13,766
ISHARES TR IBONDS DEC 2031 46436E486   207,794 10,211 SH   SOLE   0 0 10,211
ISHARES TR IBONDS DEC 25 46435U432   295,826 11,115 SH   SOLE   0 0 11,115
ISHARES TR IBONDS DEC 29 46436E205   351,253 15,406 SH   SOLE   0 0 15,406
ISHARES TR IBONDS DEC2026 46435GAA0   1,209,909 50,266 SH   SOLE   0 0 50,266
ISHARES TR IBONDS DEC25 ETF 46434VBD1   303,682 12,123 SH   SOLE   0 0 12,123
ISHARES TR MSCI INTL VLU FT 46435G409   693,745 25,590 SH   SOLE   0 0 25,590
ISHARES TR MSCI USA QLT FCT 46432F339   1,585,826 8,905 SH   SOLE   0 0 8,905
ISHARES TR NATIONAL MUN ETF 464288414   3,505,618 32,901 SH   SOLE   0 0 32,901
ISHARES TR RUS 1000 VAL ETF 464287598   1,070,296 5,781 SH   SOLE   0 0 5,781
ISHARES TR SHRT NAT MUN ETF 464288158   3,429,015 32,509 SH   SOLE   0 0 32,509
ISHARES TR TRS FLT RT BD 46434V860   1,798,303 35,631 SH   SOLE   0 0 35,631
ISHARES TR ULTRA SHORT-TERM 46434V878   874,305 17,337 SH   SOLE   0 0 17,337
ISHARES TR US TREAS BD ETF 46429B267   23,462,364 1,020,991 SH   SOLE   0 0 1,020,991
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   428,138 7,442 SH   SOLE   0 0 7,442
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   765,214 15,090 SH   SOLE   0 0 15,090
JOHNSON & JOHNSON COM 478160104   891,725 6,166 SH   SOLE   0 0 6,166
KLA CORP COM NEW 482480100   337,114 535 SH   SOLE   0 0 535
KROGER CO COM 501044101   518,735 8,483 SH   SOLE   0 0 8,483
MARRIOTT INTL INC NEW CL A 571903202   511,018 1,832 SH   SOLE   0 0 1,832
MASTERCARD INCORPORATED CL A 57636Q104   220,106 418 SH   SOLE   0 0 418
MCDONALDS CORP COM 580135101   466,433 1,609 SH   SOLE   0 0 1,609
MERCK & CO INC COM 58933Y105   463,779 4,662 SH   SOLE   0 0 4,662
META PLATFORMS INC CL A 30303M102   1,481,340 2,530 SH   SOLE   0 0 2,530
MICROSOFT CORP COM 594918104   3,180,207 7,545 SH   SOLE   0 0 7,545
NORFOLK SOUTHN CORP COM 655844108   220,149 938 SH   SOLE   0 0 938
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   974,006 24,740 SH   SOLE   0 0 24,740
NVIDIA CORPORATION COM 67066G104   1,323,972 9,859 SH   SOLE   0 0 9,859
ORACLE CORP COM 68389X105   566,576 3,400 SH   SOLE   0 0 3,400
PFIZER INC COM 717081103   303,371 11,435 SH   SOLE   0 0 11,435
PORTLAND GEN ELEC CO COM NEW 736508847   237,459 5,444 SH   SOLE   0 0 5,444
PROCTER AND GAMBLE CO COM 742718109   624,329 3,724 SH   SOLE   0 0 3,724
RIVERVIEW BANCORP INC COM 769397100   135,085 23,534 SH   SOLE   0 0 23,534
SALESFORCE INC COM 79466L302   232,052 694 SH   SOLE   0 0 694
SAP SE SPON ADR 803054204   221,589 900 SH   SOLE   0 0 900
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,308,706 49,144 SH   SOLE   0 0 49,144
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   9,686,047 333,427 SH   SOLE   0 0 333,427
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   21,023,117 633,036 SH   SOLE   0 0 633,036
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   1,982,797 83,733 SH   SOLE   0 0 83,733
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   10,993,107 370,138 SH   SOLE   0 0 370,138
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,960,108 105,952 SH   SOLE   0 0 105,952
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   211,697 9,326 SH   SOLE   0 0 9,326
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   347,693 12,727 SH   SOLE   0 0 12,727
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   16,858,708 39,621 SH   SOLE   0 0 39,621
SPDR GOLD TR GOLD SHS 78463V107   1,255,202 5,184 SH   SOLE   0 0 5,184
SPDR S&P 500 ETF TR TR UNIT 78462F103   301,216 514 SH   SOLE   0 0 514
SPDR SER TR PORTFOLI S&P1500 78464A805   325,918 4,563 SH   SOLE   0 0 4,563
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   10,120,761 256,937 SH   SOLE   0 0 256,937
STARBUCKS CORP COM 855244109   287,620 3,152 SH   SOLE   0 0 3,152
TESLA INC COM 88160R101   1,035,850 2,565 SH   SOLE   0 0 2,565
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   212,548 9,455 SH   SOLE   0 0 9,455
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   372,625 3,514 SH   SOLE   0 0 3,514
VANGUARD INDEX FDS MID CAP ETF 922908629   15,719,841 59,516 SH   SOLE   0 0 59,516
VANGUARD INDEX FDS SMALL CP ETF 922908751   8,382,059 34,885 SH   SOLE   0 0 34,885
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,844,978 9,817 SH   SOLE   0 0 9,817
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,351,479 76,101 SH   SOLE   0 0 76,101
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,503,048 29,983 SH   SOLE   0 0 29,983
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   574,548 9,906 SH   SOLE   0 0 9,906
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   21,006,513 269,280 SH   SOLE   0 0 269,280
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,268,686 16,691 SH   SOLE   0 0 16,691
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   9,406,035 196,697 SH   SOLE   0 0 196,697
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   393,940 3,088 SH   SOLE   0 0 3,088
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   1,823,578 22,798 SH   SOLE   0 0 22,798
VANGUARD WORLD FD ESG INTL STK ETF 921910725   744,354 13,128 SH   SOLE   0 0 13,128
VANGUARD WORLD FD ESG US STK ETF 921910733   2,131,889 20,325 SH   SOLE   0 0 20,325
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   557,509 2,198 SH   SOLE   0 0 2,198
WALMART INC COM 931142103   203,016 2,247 SH   SOLE   0 0 2,247
WASTE MGMT INC DEL COM 94106L109   403,580 2,000 SH   SOLE   0 0 2,000
WEYERHAEUSER CO MTN BE COM NEW 962166104   242,709 8,622 SH   SOLE   0 0 8,622
WILLIAMS COS INC COM 969457100   297,660 5,500 SH   SOLE   0 0 5,500