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   69,908,779 317,363 SH   SOLE   317,363 0 0
VANGUARD STAR FDS VG TL INTL STK ETF 921909768   36,883,307 657,691 SH   SOLE   657,691 0 0
VANGUARD TOTAL BOND MKT ETF 921937835   18,111,435 249,160 SH   SOLE   249,160 0 0
INVESCO QQQ TR UNIT ETF 46090E103   15,198,062 41,140 SH   SOLE   41,140 0 0
VANGUARD INDEX FDS SMALL CAP ETF 922908751   13,812,370 69,447 SH   SOLE   69,447 0 0
SDPR HIGH YIELD BOND ETF 78468R606   12,321,567 539,473 SH   SOLE   539,473 0 0
JPMRG DIV RTN EM EQT ETF 46641Q308   8,421,025 166,786 SH   SOLE   166,786 0 0
BERKSHIRE HATHAWAY INC DEL CL B 084670702   7,289,898 21,378 SH   SOLE   21,378 0 0
ISHARES US FINANCIAL SER ETF 464287770   6,562,747 41,539 SH   SOLE   41,539 0 0
INVESCO SENIOR LOAN EFT 46138G508   4,771,312 226,773 SH   SOLE   226,773 0 0
MICROSOFT CORP COM 594918104   4,455,497 13,084 SH   SOLE   13,084 0 0
SPDR SHR TR HG YLD BD ETF 78468R408   4,345,718 175,940 SH   SOLE   175,940 0 0
APPLE INC COM 037833100   3,962,597 20,429 SH   SOLE   20,429 0 0
EATON VANCE TAX-MANAGED GLOB ETF 27829C105   3,353,651 423,441 SH   SOLE   423,441 0 0
PGIM ULTRA SHORT BOND ETF 69344A107   3,074,345 62,221 SH   SOLE   62,221 0 0
UBER TECHNOLOGIES INC COM 90353T100   2,916,954 67,569 SH   SOLE   67,569 0 0
JOHNSON & JOHNSON COM 478160104   2,846,655 17,198 SH   SOLE   17,198 0 0
AMAZON INC COM 023135106   2,838,850 21,777 SH   SOLE   21,777 0 0
BOEING CO COM 097023105   2,799,414 13,257 SH   SOLE   13,257 0 0
CHARLES SCHWAB CORP COM 808513402   2,720,445 47,997 SH   SOLE   47,997 0 0
SIMON PPTY GROUP INC REIT 828806109   2,716,424 23,523 SH   SOLE   23,523 0 0
CROWN CASTLE INTL CORP COM 22822V101   2,516,589 22,087 SH   SOLE   22,087 0 0
SPDR S&P REGIONAL BANKING ETF 78464A698   2,486,955 60,910 SH   SOLE   60,910 0 0
INVESCO CURRENCYSHARES CDN DLR SHS 46138T104   1,147,482 15,525 SH   SOLE   15,525 0 0
CHEVRON CORP COM 166764100   927,722 5,896 SH   SOLE   5,896 0 0
ALPHABET INC CL C 02079K107   798,886 6,604 SH   SOLE   6,604 0 0
SDPR GOLD SHARES ETF 78463V107   470,633 2,640 SH   SOLE   2,640 0 0
CATERPILLAR INC COM 149123101   378,917 1,540 SH   SOLE   1,540 0 0
ALPHABET INC CL A 02079K305   371,070 3,100 SH   SOLE   3,100 0 0
VANGUARD ULTRA SHORT BOND ETF 92203C303   366,242 7,450 SH   SOLE   7,450 0 0
THE COCA-COLA CO COM 191216100   329,633 5,474 SH   SOLE   5,474 0 0
VANGUARD SHORT-TERM BOND ETF 921937827   312,909 4,141 SH   SOLE   4,141 0 0
HANCOCK JOHN PFD INCOME ETF 41012W108   299,648 19,675 SH   SOLE   19,675 0 0
WESTAMERICA BANCORP COM 957090103   260,210 6,794 SH   SOLE   6,794 0 0
CALAMOS CONVERTIBLE ETF 12811P108   220,474 19,685 SH   SOLE   19,685 0 0
META PLATFORMS INC CL A 30303M102   214,661 748 SH   SOLE   748 0 0
WEYERHAEUSER CO REIT 962166104   201,060 6,000 SH   SOLE   6,000 0 0