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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   65,525,993 321,048 SH   SOLE   321,048 0 0
VANGUARD STAR FDS VG TL INTL STK ETF 921909768   36,248,937 656,565 SH   SOLE   656,565 0 0
INVESCO QQQ TR UNIT ETF 46090E103   15,125,476 47,130 SH   SOLE   47,130 0 0
SDPR HIGH YIELD BOND ETF 78468R606   14,852,906 646,341 SH   SOLE   646,341 0 0
VANGUARD INDEX FDS SMALL CAP ETF 922908751   12,663,606 66,805 SH   SOLE   66,805 0 0
VANGUARD TOTAL BOND MKT ETF 921937835   11,715,509 158,682 SH   SOLE   158,682 0 0
JPMRG DIV RTN EM EQT ETF 46641Q308   8,271,249 163,852 SH   SOLE   163,852 0 0
BERKSHIRE HATHAWAY INC DEL CL B 084670702   6,643,804 21,517 SH   SOLE   21,517 0 0
ISHARES US FINANCIAL SER ETF 464287770   5,859,663 38,816 SH   SOLE   38,816 0 0
INVESCO SENIOR LOAN EFT 46138G508   4,933,717 237,198 SH   SOLE   237,198 0 0
MICROSOFT CORP COM 594918104   4,124,262 14,305 SH   SOLE   14,305 0 0
PGIM ULTRA SHORT BOND ETF 69344A107   4,034,565 81,837 SH   SOLE   81,837 0 0
APPLE INC COM 037833100   3,846,352 23,325 SH   SOLE   23,325 0 0
EATON VANCE TAX-MANAGED GLOB ETF 27829C105   3,141,164 402,198 SH   SOLE   402,198 0 0
BOEING CO COM 097023105   2,977,486 14,016 SH   SOLE   14,016 0 0
AMAZON INC COM 023135106   2,790,069 27,102 SH   SOLE   27,102 0 0
UBER TECHNOLOGIES INC COM 90353T100   2,704,739 85,323 SH   SOLE   85,323 0 0
JOHNSON & JOHNSON COM 478160104   2,517,591 16,243 SH   SOLE   16,243 0 0
UNION PAC CORP COM 907818108   2,490,129 12,373 SH   SOLE   12,373 0 0
SIMON PPTY GROUP INC REIT 828806109   2,428,750 21,691 SH   SOLE   21,691 0 0
CROWN CASTLE INTL CORP COM 22822V101   2,372,517 17,727 SH   SOLE   17,727 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103   2,334,788 10,487 SH   SOLE   10,487 0 0
INVESCO CURRENCYSHARES CDN DLR SHS 46138T104   1,124,631 15,525 SH   SOLE   15,525 0 0
CHEVRON CORP COM 166764100   960,955 5,890 SH   SOLE   5,890 0 0
ALPHABET INC CL C 02079K107   684,320 6,580 SH   SOLE   6,580 0 0
SDPR GOLD SHARES ETF 78463V107   485,716 2,651 SH   SOLE   2,651 0 0
CATERPILLAR INC COM 149123101   352,413 1,540 SH   SOLE   1,540 0 0
THE COCA-COLA CO COM 191216100   339,540 5,474 SH   SOLE   5,474 0 0
ALPHABET INC CL A 02079K305   321,563 3,100 SH   SOLE   3,100 0 0
WESTAMERICA BANCORP COM 957090103   300,974 6,794 SH   SOLE   6,794 0 0
VANGUARD SHORT-TERM BOND ETF 921937827   297,644 3,891 SH   SOLE   3,891 0 0
HANCOCK JOHN PFD INCOME ETF 41012W108   283,867 17,742 SH   SOLE   17,742 0 0
CALAMOS CONVERTIBLE OPPO ETF 128117108   181,094 17,214 SH   SOLE   17,214 0 0