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   245,865 1,629 SH   SOLE   0 0 1,629
ALPHABET INC CAP STK CL C 02079K107   470,331 3,089 SH   SOLE   0 0 3,089
AMAZON COM INC COM 023135106   446,260 2,474 SH   SOLE   0 0 2,474
AMGEN INC COM 031162100   201,583 709 SH   SOLE   0 0 709
APPLE INC COM 037833100   7,279,296 42,450 SH   SOLE   0 0 42,450
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,362,895 10,375 SH   SOLE   0 0 10,375
CAPITAL GROUP CORE BALANCED SHS 14021D107   908,581 31,212 SH   SOLE   0 0 31,212
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   56,326,803 1,733,132 SH   SOLE   0 0 1,733,132
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   35,749,843 1,241,314 SH   SOLE   0 0 1,241,314
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   22,851,995 714,348 SH   SOLE   0 0 714,348
CAPITAL GROUP INTERNATIONAL SHS 14021M107   462,360 15,938 SH   SOLE   0 0 15,938
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   74,680,378 3,325,039 SH   SOLE   0 0 3,325,039
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201   1,085,991 40,207 SH   SOLE   0 0 40,207
CHEVRON CORP NEW COM 166764100   630,171 3,995 SH   SOLE   0 0 3,995
COCA COLA CO COM 191216100   388,799 6,355 SH   SOLE   0 0 6,355
COSTCO WHSL CORP NEW COM 22160K105   352,032 481 SH   SOLE   0 0 481
DISNEY WALT CO COM 254687106   203,283 1,661 SH   SOLE   0 0 1,661
ECOLAB INC COM 278865100   230,900 1,000 SH   SOLE   0 0 1,000
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289   345,434 8,839 SH   SOLE   0 0 8,839
EXXON MOBIL CORP COM 30231G102   721,467 6,207 SH   SOLE   0 0 6,207
FIRST TR EXCH TRADED FD III CALIF MUN INCM 33739P863   200,238 4,033 SH   SOLE   0 0 4,033
GENERAL ELECTRIC CO COM NEW 369604301   225,732 1,286 SH   SOLE   0 0 1,286
GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100   11,600 10,000 SH   SOLE   0 0 10,000
HOME DEPOT INC COM 437076102   453,032 1,181 SH   SOLE   0 0 1,181
HONEYWELL INTL INC COM 438516106   314,238 1,531 SH   SOLE   0 0 1,531
HP INC COM 40434L105   212,598 7,035 SH   SOLE   0 0 7,035
INTEL CORP COM 458140100   2,232,970 50,554 SH   SOLE   0 0 50,554
INTERNATIONAL BUSINESS MACHS COM 459200101   233,544 1,223 SH   SOLE   0 0 1,223
INTUIT COM 461202103   471,250 725 SH   SOLE   0 0 725
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   17,117,795 343,111 SH   SOLE   0 0 343,111
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   8,036,756 47,451 SH   SOLE   0 0 47,451
ISHARES TR 0-5YR HI YL CP 46434V407   1,275,874 29,985 SH   SOLE   0 0 29,985
ISHARES TR 10-20 YR TRS ETF 464288653   17,167,096 163,449 SH   SOLE   0 0 163,449
ISHARES TR CALIF MUN BD ETF 464288356   1,184,288 20,582 SH   SOLE   0 0 20,582
ISHARES TR CORE S&P MCP ETF 464287507   925,863 15,243 SH   SOLE   0 0 15,243
ISHARES TR CORE S&P SCP ETF 464287804   793,739 7,182 SH   SOLE   0 0 7,182
ISHARES TR CORE S&P TTL STK 464287150   94,316,668 818,011 SH   SOLE   0 0 818,011
ISHARES TR CORE S&P500 ETF 464287200   863,812 1,643 SH   SOLE   0 0 1,643
ISHARES TR ESG ADV TTL USD 46436E619   1,559,312 36,407 SH   SOLE   0 0 36,407
ISHARES TR ESG AWARE MSCI 46435U663   365,249 9,070 SH   SOLE   0 0 9,070
ISHARES TR ESG AWRE 1 5 YR 46435G243   607,838 24,830 SH   SOLE   0 0 24,830
ISHARES TR ESG EAFE ETF 46436E759   375,203 5,507 SH   SOLE   0 0 5,507
ISHARES TR GL CLEAN ENE ETF 464288224   205,120 14,672 SH   SOLE   0 0 14,672
ISHARES TR IBONDS 24 TRM HG 46435U184   346,080 14,844 SH   SOLE   0 0 14,844
ISHARES TR IBONDS 27 ETF 46435UAA9   347,136 14,586 SH   SOLE   0 0 14,586
ISHARES TR IBONDS DEC 2030 46436E726   283,734 13,259 SH   SOLE   0 0 13,259
ISHARES TR IBONDS DEC 2031 46436E486   200,740 9,797 SH   SOLE   0 0 9,797
ISHARES TR IBONDS DEC 25 46435U432   294,103 11,115 SH   SOLE   0 0 11,115
ISHARES TR IBONDS DEC 29 46436E205   285,941 12,530 SH   SOLE   0 0 12,530
ISHARES TR IBONDS DEC2026 46435GAA0   1,027,601 43,086 SH   SOLE   0 0 43,086
ISHARES TR IBONDS DEC24 ETF 46434VBG4   259,134 10,345 SH   SOLE   0 0 10,345
ISHARES TR IBONDS DEC25 ETF 46434VBD1   291,269 11,740 SH   SOLE   0 0 11,740
ISHARES TR MSCI INTL VLU FT 46435G409   734,291 26,011 SH   SOLE   0 0 26,011
ISHARES TR MSCI USA QLT FCT 46432F339   1,695,754 10,318 SH   SOLE   0 0 10,318
ISHARES TR NATIONAL MUN ETF 464288414   4,027,269 37,428 SH   SOLE   0 0 37,428
ISHARES TR RUS 1000 VAL ETF 464287598   1,686,492 9,416 SH   SOLE   0 0 9,416
ISHARES TR SHRT NAT MUN ETF 464288158   4,357,991 41,612 SH   SOLE   0 0 41,612
ISHARES TR US TREAS BD ETF 46429B267   24,793,079 1,088,848 SH   SOLE   0 0 1,088,848
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,035,000 17,888 SH   SOLE   0 0 17,888
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   764,195 15,061 SH   SOLE   0 0 15,061
JOHNSON & JOHNSON COM 478160104   951,549 6,015 SH   SOLE   0 0 6,015
KLA CORP COM NEW 482480100   373,735 535 SH   SOLE   0 0 535
KROGER CO COM 501044101   484,634 8,483 SH   SOLE   0 0 8,483
MARRIOTT INTL INC NEW CL A 571903202   467,026 1,851 SH   SOLE   0 0 1,851
MASTERCARD INCORPORATED CL A 57636Q104   201,296 418 SH   SOLE   0 0 418
MCDONALDS CORP COM 580135101   467,191 1,657 SH   SOLE   0 0 1,657
MERCK & CO INC COM 58933Y105   615,833 4,667 SH   SOLE   0 0 4,667
META PLATFORMS INC CL A 30303M102   1,195,498 2,462 SH   SOLE   0 0 2,462
MICROSOFT CORP COM 594918104   2,726,808 6,481 SH   SOLE   0 0 6,481
NIKE INC CL B 654106103   367,462 3,910 SH   SOLE   0 0 3,910
NORFOLK SOUTHN CORP COM 655844108   239,068 938 SH   SOLE   0 0 938
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   1,037,904 26,709 SH   SOLE   0 0 26,709
NVIDIA CORPORATION COM 67066G104   805,074 891 SH   SOLE   0 0 891
ORACLE CORP COM 68389X105   427,074 3,400 SH   SOLE   0 0 3,400
PFIZER INC COM 717081103   336,580 12,129 SH   SOLE   0 0 12,129
PORTLAND GEN ELEC CO COM NEW 736508847   227,918 5,427 SH   SOLE   0 0 5,427
PROCTER AND GAMBLE CO COM 742718109   587,994 3,624 SH   SOLE   0 0 3,624
REALTY INCOME CORP COM 756109104   244,287 4,515 SH   SOLE   0 0 4,515
RIVERVIEW BANCORP INC COM 769397100   111,080 23,534 SH   SOLE   0 0 23,534
SALESFORCE INC COM 79466L302   209,019 694 SH   SOLE   0 0 694
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,057,305 81,477 SH   SOLE   0 0 81,477
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,426,922 62,197 SH   SOLE   0 0 62,197
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   2,308,108 34,250 SH   SOLE   0 0 34,250
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   9,471,080 166,072 SH   SOLE   0 0 166,072
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   7,178,667 258,598 SH   SOLE   0 0 258,598
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   19,769,569 555,169 SH   SOLE   0 0 555,169
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   323,139 4,008 SH   SOLE   0 0 4,008
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   16,359,268 41,128 SH   SOLE   0 0 41,128
SPDR GOLD TR GOLD SHS 78463V107   1,192,559 5,797 SH   SOLE   0 0 5,797
SPDR S&P 500 ETF TR TR UNIT 78462F103   214,531 410 SH   SOLE   0 0 410
SPDR SER TR PORTFOLI S&P1500 78464A805   326,316 5,087 SH   SOLE   0 0 5,087
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   19,079,901 476,402 SH   SOLE   0 0 476,402
STARBUCKS CORP COM 855244109   351,943 3,851 SH   SOLE   0 0 3,851
TAYLOR DEVICES INC COM 877163105   373,275 7,500 SH   SOLE   0 0 7,500
TESLA INC COM 88160R101   522,975 2,975 SH   SOLE   0 0 2,975
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   355,352 3,501 SH   SOLE   0 0 3,501
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   223,322 4,540 SH   SOLE   0 0 4,540
VANGUARD INDEX FDS MID CAP ETF 922908629   13,742,335 55,000 SH   SOLE   0 0 55,000
VANGUARD INDEX FDS SMALL CP ETF 922908751   7,209,853 31,541 SH   SOLE   0 0 31,541
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,532,415 9,744 SH   SOLE   0 0 9,744
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   7,427,885 177,828 SH   SOLE   0 0 177,828
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   488,070 10,191 SH   SOLE   0 0 10,191
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,490,777 29,462 SH   SOLE   0 0 29,462
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   540,534 9,232 SH   SOLE   0 0 9,232
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   18,465,657 238,852 SH   SOLE   0 0 238,852
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,394,252 18,587 SH   SOLE   0 0 18,587
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   18,788,805 374,503 SH   SOLE   0 0 374,503
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   682,971 5,645 SH   SOLE   0 0 5,645
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   2,170,317 26,620 SH   SOLE   0 0 26,620
VANGUARD WORLD FD ESG INTL STK ETF 921910725   602,684 10,487 SH   SOLE   0 0 10,487
VANGUARD WORLD FD ESG US STK ETF 921910733   1,854,667 19,902 SH   SOLE   0 0 19,902
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   813,158 3,006 SH   SOLE   0 0 3,006
WASTE MGMT INC DEL COM 94106L109   426,300 2,000 SH   SOLE   0 0 2,000
WEYERHAEUSER CO MTN BE COM NEW 962166104   309,616 8,622 SH   SOLE   0 0 8,622
WILLIAMS COS INC COM 969457100   214,335 5,500 SH   SOLE   0 0 5,500