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
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