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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD INDEX FDS TOTAL STK MKT ETF 922908769 71,317 313,247 SH   SOLE   313,247 0 0
VANGUARD STAR FDS VG TL INTL STK ETF 921909768 38,048 636,899 SH   SOLE   636,899 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 15,058 41,535 SH   SOLE   41,535 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 14,015 65,949 SH   SOLE   65,949 0 0
J P MORGAN HIGH YIELD RESRCH ETF 46641Q878 13,984 285,918 SH   SOLE   285,918 0 0
BERSHIRE HATHAWAY INC DEL CL B 084670702 8,997 25,493 SH   SOLE   25,493 0 0
SCHWAB STRATEGIC TR EMRG MKT ETF 808524706 8,468 311,657 SH   SOLE   311,657 0 0
VANGUARD SHRT INF PROT SEC ETF 922020805 5,936 115,924 SH   SOLE   115,924 0 0
PGIM ULTRA SHORT BOND ETF 69344A107 5,108 103,793 SH   SOLE   103,793 0 0
MICROSOFT CORP COM 594918104 4,196 13,611 SH   SOLE   13,611 0 0
APPLE INC COM 037833100 4,149 23,762 SH   SOLE   23,762 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 3,638 47,939 SH   SOLE   47,939 0 0
EATON VANCE TAX-MANAGED GLOB COM 27829C105 3,586 369,263 SH   SOLE   369,263 0 0
UNION PAC CORP COM 907818108 3,386 12,395 SH   SOLE   12,395 0 0
JOHNSON & JOHNSON COM 478160104 3,215 18,141 SH   SOLE   18,141 0 0
SPDR SER TR S&P HOMEBUILD 78464A888 2,952 46,705 SH   SOLE   46,705 0 0
CROWN CASTLE INTL CORP COM 22822V101 2,828 15,322 SH   SOLE   15,322 0 0
CONSTELLATION BRANDS INC CL A 21036P108 2,797 12,144 SH   SOLE   12,144 0 0
BOEING CO COM 097023105 2,750 14,361 SH   SOLE   14,361 0 0
UBER TECHNOLOGIES INC COM 90353T100 2,725 76,375 SH   SOLE   76,375 0 0
SIMON PPTY GROUP INC REIT 828806109 2,541 19,311 SH   SOLE   19,311 0 0
INVESCO CURRENCYSHARES CDN DLR SHS 46138T104 2,432 31,075 SH   SOLE   31,075 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,296 13,168 SH   SOLE   13,168 0 0
CHEVRON CORP COM 166764100 965 5,924 SH   SOLE   5,924 0 0
J P MORGAN ULTRA SHT MUNCPL ETF 46641Q654 943 18,750 SH   SOLE   18,750 0 0
ALPHABET INC CL C 02079K107 919 329 SH   SOLE   329 0 0
VANGUARD SCOTTSDALE SHRT TRM CORP BD 92206C409 670 8,581 SH   SOLE   8,581 0 0
ALPHABET INC CL A 02079K305 431 155 SH   SOLE   155 0 0
ISHARES TIPS BOND ETF 464287176 412 3,310 SH   SOLE   3,310 0 0
WESTAMERICA BANCORP COM 957090103 411 6,794 SH   SOLE   6,794 0 0
THE COCA-COLA CO COM 191216100 371 5,989 SH   SOLE   5,989 0 0
CATERPILLAR INC COM 149123101 343 1,540 SH   SOLE   1,540 0 0
HANCOCK JOHN PFD INCOME SH BEN INT 41012W108 333 17,209 SH   SOLE   17,209 0 0
CALAMOS CONV OPPORTUNITIES SH BEN INT 128117108 288 21,814 SH   SOLE   21,814 0 0
WEYERHAEUSER CO REIT 962166954 227 6,000 SH   SOLE   6,000 0 0
SPDR BLACKSTONE SENIOR LOAN COM 78467V608 215 4,772 SH   SOLE   4,772 0 0
META PLATFORMS INC CL A 30303M102 211 948 SH   SOLE   948 0 0