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   65,148 340,748 SH   SOLE   340,748 0 0
VANGUARD STAR FDS VG TL INTL STK ETF 921909768   35,986 695,794 SH   SOLE   695,794 0 0
SDPR HIGH YIELD BOND ETF 78468R606   16,033 717,700 SH   SOLE   717,700 0 0
INVESCO QQQ TR UNIT ETF 46090E103   13,207 49,596 SH   SOLE   49,596 0 0
VANGUARD TOTAL BOND MARKET ETF 921937835   12,942 180,153 SH   SOLE   180,153 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   12,862 70,075 SH   SOLE   70,075 0 0
JPMRG DIV RTN EM EQT ETF 46641Q308   8,547 173,417 SH   SOLE   173,417 0 0
BERSHIRE HATHAWAY INC DEL CL B 084670702   7,144 23,126 SH   SOLE   23,126 0 0
ISHARES US FINANCIAL SER ETF 464287770   6,512 41,340 SH   SOLE   41,340 0 0
INVESCO SENIOR LOAN ETF 46138G508   5,504 268,081 SH   SOLE   268,081 0 0
PGIM ULTRA SHORT BOND ETF 69344A107   4,575 93,180 SH   SOLE   93,180 0 0
MICROSOFT CORP COM 594918104   3,563 14,858 SH   SOLE   14,858 0 0
EATON VANCE TAX-MANAGED GLOB COM 27829C105   3,403 450,681 SH   SOLE   450,681 0 0
APPLE INC COM 037833100   3,162 24,337 SH   SOLE   24,337 0 0
JOHNSON & JOHNSON COM 478160104   2,972 16,825 SH   SOLE   16,825 0 0
BOEING CO COM 097023105   2,944 15,456 SH   SOLE   15,456 0 0
SIMON PPTY GROUP INC REIT 828806109   2,725 23,198 SH   SOLE   23,198 0 0
UNION PAC CORP COM 907818108   2,687 12,975 SH   SOLE   12,975 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   2,608 10,918 SH   SOLE   10,918 0 0
CROWN CASTLE INTL CORP COM 22822V101   2,518 18,563 SH   SOLE   18,563 0 0
AMAZON INC COM 023135106   2,428 28,900 SH   SOLE   28,900 0 0
UBER TECHNOLOGIES INC COM 90353T100   2,279 92,141 SH   SOLE   92,141 0 0
INVESCO CURRENCYSHARES CDN DLR SHS 46138T104   2,246 31,075 SH   SOLE   31,075 0 0
CHEVRON CORP COM 166764100   1,056 5,883 SH   SOLE   5,883 0 0
ALPHABET INC CL C 02079K107   584 6,580 SH   SOLE   6,580 0 0
SDPR GOLD SHARES ETF 78463V107   432 2,548 SH   SOLE   2,548 0 0
VANGUARD SHORT-TERM BOND ETF 921937827   403 5,360 SH   SOLE   5,360 0 0
WESTAMERICA BANCORP COM 957090103   401 6,794 SH   SOLE   6,794 0 0
CATERPILLAR INC COM 149123101   369 1,540 SH   SOLE   1,540 0 0
THE COCA-COLA CO COM 191216100   348 5,474 SH   SOLE   5,474 0 0
VANGUARD SCOTTSDALE SHRT TRM ETF 92206C409   335 4,451 SH   SOLE   4,451 0 0
HANCOCK JOHN PFD INCOME ETF 41012W108   334 20,817 SH   SOLE   20,817 0 0
CALAMOS CONVERTIBLE OPPO ETF 128117108   275 26,209 SH   SOLE   26,209 0 0
ALPHABET INC CL A 02079K305   274 3,100 SH   SOLE   3,100 0 0
CVB FINL CORP COM 126600105   206 8,000 SH   SOLE   8,000 0 0