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 60,717 320,418 SH   SOLE   320,418 0 0
VANGUARD STAR FDS VG TL INTL STK ETF 921909768 33,659 652,744 SH   SOLE   652,744 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 12,337 43,695 SH   SOLE   43,695 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 11,941 67,441 SH   SOLE   67,441 0 0
J P MORGAN HIGH YIELD RESRCH ETF 46641Q878 14,943 342,495 SH   SOLE   342,495 0 0
BERSHIRE HATHAWAY INC DEL CL B 084670702 6,270 22,912 SH   SOLE   22,912 0 0
SCHWAB STRATEGIC TR EMRG MKT ETF 808524706 8,295 326,558 SH   SOLE   326,558 0 0
VANGUARD SHRT INF PROT SEC ETF 922020805 3,562 70,941 SH   SOLE   70,941 0 0
PGIM ULTRA SHORT BOND ETF 69344A107 4,506 91,829 SH   SOLE   91,829 0 0
MICROSOFT CORP COM 594918104 3,613 13,982 SH   SOLE   13,982 0 0
APPLE INC COM 037833100 3,379 24,539 SH   SOLE   24,539 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 3,271 45,257 SH   SOLE   45,257 0 0
EATON VANCE TAX-MANAGED GLOB COM 27829C105 2,900 372,274 SH   SOLE   372,274 0 0
UNION PAC CORP COM 907818108 2,643 12,441 SH   SOLE   12,441 0 0
JOHNSON & JOHNSON COM 478160104 3,104 17,433 SH   SOLE   17,433 0 0
SPDR SER TR S&P HOMEBUILD 78464A888 2,634 47,864 SH   SOLE   47,864 0 0
CROWN CASTLE INTL CORP COM 22822V101 2,590 15,248 SH   SOLE   15,248 0 0
CONSTELLATION BRANDS INC CL A 21036P108 2,752 11,777 SH   SOLE   11,777 0 0
BOEING CO COM 097023105 2,178 15,938 SH   SOLE   15,938 0 0
UBER TECHNOLOGIES INC COM 90353T100 1,793 86,615 SH   SOLE   86,615 0 0
SIMON PPTY GROUP INC REIT 828806109 1,968 20,562 SH   SOLE   20,562 0 0
INVESCO CURRENCYSHARES CDN DLR SHS 46138T104 2,362 31,075 SH   SOLE   31,075 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,762 13,030 SH   SOLE   13,030 0 0
CHEVRON CORP COM 166764100 851 5,872 SH   SOLE   5,872 0 0
J P MORGAN ULTRA SHT MUNCPL ETF 46641Q654 839 16,747 SH   SOLE   16,747 0 0
ALPHABET INC CL C 02079K107 725 329 SH   SOLE   329 0 0
VANGUARD SCOTTSDALE SHRT TRM CORP BD 92206C409 625 8,182 SH   SOLE   8,182 0 0
ALPHABET INC CL A 02079K305 341 155 SH   SOLE   155 0 0
ISHARES TIPS BOND ETF 464287176 320 2,797 SH   SOLE   2,797 0 0
WESTAMERICA BANCORP COM 957090103 381 6,794 SH   SOLE   6,794 0 0
THE COCA-COLA CO COM 191216100 345 5,474 SH   SOLE   5,474 0 0
CATERPILLAR INC COM 149123101 276 1,540 SH   SOLE   1,540 0 0
HANCOCK JOHN PFD INCOME SH BEN INT 41012W108 322 18,284 SH   SOLE   18,284 0 0
WEYERHAEUSER CO REIT 962166954 200 6,000 SH   SOLE   6,000 0 0
CVB FINL CORP COM 126600105 200 8,000 SH   SOLE   8,000 0 0