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
3M CO COM 88579Y101 418 2,351 SH   SOLE   2,351 0 0
ALLSTATE CORP COM 020002101 236 2,010 SH   SOLE   2,010 0 0
ALPHABET INC CAP STK CL A 02079K305 855 295 SH   SOLE   295 0 0
ALPHABET INC CAP STK CL C 02079K107 373 129 SH   SOLE   129 0 0
ALTRIA GROUP INC COM 02209S103 1,567 33,075 SH   SOLE   33,075 0 0
AMAZON COM INC COM 023135106 3,251 975 SH   SOLE   975 0 0
AMERICAN EXPRESS CO COM 025816109 1,066 6,516 SH   SOLE   6,516 0 0
AMERIPRISE FINL INC COM 03076C106 375 1,242 SH   SOLE   1,242 0 0
AMGEN INC COM 031162100 524 2,327 SH   SOLE   2,327 0 0
APPLE INC COM 037833100 6,696 37,709 SH   SOLE   37,709 0 0
AT&T INC COM 00206R102 603 24,510 SH   SOLE   24,510 0 0
BANK NEW YORK MELLON CORP COM 064058100 387 6,657 SH   SOLE   6,657 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 244 8,496 SH   SOLE   8,496 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 336 1,124 SH   SOLE   1,124 0 0
BLACKROCK INC COM 09247X101 565 617 SH   SOLE   617 0 0
BLACKSTONE INC COM 09260D107 1,566 12,100 SH   SOLE   12,100 0 0
BOEING CO COM 097023105 395 1,961 SH   SOLE   1,961 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 203 3,257 SH   SOLE   3,257 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 387 7,131 SH   SOLE   7,131 0 0
CATERPILLAR INC COM 149123101 426 2,062 SH   SOLE   2,062 0 0
CHEVRON CORP NEW COM 166764100 1,289 10,987 SH   SOLE   10,987 0 0
CISCO SYS INC COM 17275R102 1,093 17,242 SH   SOLE   17,242 0 0
CLOROX CO DEL COM 189054109 661 3,792 SH   SOLE   3,792 0 0
COMCAST CORP NEW CL A 20030N101 375 7,446 SH   SOLE   7,446 0 0
COSTCO WHSL CORP NEW COM 22160K105 626 1,102 SH   SOLE   1,102 0 0
DIGITAL RLTY TR INC COM 253868103 233 1,317 SH   SOLE   1,317 0 0
DISNEY WALT CO COM 254687106 392 2,532 SH   SOLE   2,532 0 0
EXXON MOBIL CORP COM 30231G102 2,749 44,934 SH   SOLE   44,934 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 6,199 156,967 SH   SOLE   156,967 0 0
GENERAL MLS INC COM 370334104 1,015 15,066 SH   SOLE   15,066 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 673 15,267 SH   SOLE   15,267 0 0
HOME DEPOT INC COM 437076102 1,208 2,910 SH   SOLE   2,910 0 0
HP INC COM 40434L105 346 9,184 SH   SOLE   9,184 0 0
INTEL CORP COM 458140100 896 17,403 SH   SOLE   17,403 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 932 6,974 SH   SOLE   6,974 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 230 639 SH   SOLE   639 0 0
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 5,311 377,733 SH   SOLE   377,733 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 5,935 395,674 SH   SOLE   395,674 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,225 3,078 SH   SOLE   3,078 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 20,970 245,149 SH   SOLE   245,149 0 0
ISHARES TR CALIF MUN BD ETF 464288356 1,270 20,374 SH   SOLE   20,374 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,043 9,108 SH   SOLE   9,108 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,727 5,717 SH   SOLE   5,717 0 0
ISHARES TR CORE US AGGBD ET 464287226 22,214 194,720 SH   SOLE   194,720 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 658 12,210 SH   SOLE   12,210 0 0
ISHARES TR MSCI EAFE ETF 464287465 709 9,008 SH   SOLE   9,008 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 445 5,800 SH   SOLE   5,800 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 756 15,477 SH   SOLE   15,477 0 0
ISHARES TR PFD AND INCM SEC 464288687 7,517 190,654 SH   SOLE   190,654 0 0
ISHARES TR RUS 1000 ETF 464287622 278 1,050 SH   SOLE   1,050 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,272 7,436 SH   SOLE   7,436 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 5,951 35,439 SH   SOLE   35,439 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 12,379 55,649 SH   SOLE   55,649 0 0
JOHNSON & JOHNSON COM 478160104 2,077 12,144 SH   SOLE   12,144 0 0
JPMORGAN CHASE & CO COM 46625H100 1,343 8,482 SH   SOLE   8,482 0 0
KIMBERLY-CLARK CORP COM 494368103 678 4,745 SH   SOLE   4,745 0 0
KRAFT HEINZ CO COM 500754106 281 7,835 SH   SOLE   7,835 0 0
MERCK & CO INC COM 58933Y105 264 3,443 SH   SOLE   3,443 0 0
META PLATFORMS INC CL A 30303M102 383 1,140 SH   SOLE   1,140 0 0
MICROSOFT CORP COM 594918104 2,918 8,677 SH   SOLE   8,677 0 0
MONDELEZ INTL INC CL A 609207105 1,647 24,838 SH   SOLE   24,838 0 0
MYRIAD GENETICS INC COM 62855J104 286 10,357 SH   SOLE   10,357 0 0
NIKE INC CL B 654106103 207 1,244 SH   SOLE   1,244 0 0
NORFOLK SOUTHN CORP COM 655844108 1,685 5,659 SH   SOLE   5,659 0 0
ONCTERNAL THERAPEUTICS INC COM 68236P107 27 12,000 SH   SOLE   12,000 0 0
OTIS WORLDWIDE CORP COM 68902V107 356 4,086 SH   SOLE   4,086 0 0
PEPSICO INC COM 713448108 336 1,934 SH   SOLE   1,934 0 0
PFIZER INC COM 717081103 1,797 30,426 SH   SOLE   30,426 0 0
PHILIP MORRIS INTL INC COM 718172109 1,923 20,240 SH   SOLE   20,240 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 306 3,013 SH   SOLE   3,013 0 0
PROCTER AND GAMBLE CO COM 742718109 7,722 47,205 SH   SOLE   47,205 0 0
QUALCOMM INC COM 747525103 788 4,307 SH   SOLE   4,307 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 769 8,934 SH   SOLE   8,934 0 0
ROCKWELL AUTOMATION INC COM 773903109 423 1,213 SH   SOLE   1,213 0 0
SALESFORCE COM INC COM 79466L302 270 1,063 SH   SOLE   1,063 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,395 370,333 SH   SOLE   370,333 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 31,237 614,306 SH   SOLE   614,306 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 11,628 158,808 SH   SOLE   158,808 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,024 18,449 SH   SOLE   18,449 0 0
SOUTHERN CO COM 842587107 697 10,165 SH   SOLE   10,165 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 383 1,054 SH   SOLE   1,054 0 0
SPDR GOLD TR GOLD SHS 78463V107 395 2,313 SH   SOLE   2,313 0 0
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 230 5,904 SH   SOLE   5,904 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 36,303 76,435 SH   SOLE   76,435 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 2,826 30,914 SH   SOLE   30,914 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 614 12,475 SH   SOLE   12,475 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 369 12,471 SH   SOLE   12,471 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,009 24,003 SH   SOLE   24,003 0 0
SPDR SER TR S&P DIVID ETF 78464A763 518 4,010 SH   SOLE   4,010 0 0
STARBUCKS CORP COM 855244109 230 1,968 SH   SOLE   1,968 0 0
SUMMIT ST BK SANTA ROSA CALI COM 866264203 1,331 85,912 SH   SOLE   85,912 0 0
UMPQUA HLDGS CORP COM 904214103 645 33,501 SH   SOLE   33,501 0 0
UNILEVER PLC SPON ADR NEW 904767704 384 7,136 SH   SOLE   7,136 0 0
UNITED PARCEL SERVICE INC CL B 911312106 569 2,653 SH   SOLE   2,653 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 13,948 43,464 SH   SOLE   43,464 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 449 1,763 SH   SOLE   1,763 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,281 5,668 SH   SOLE   5,668 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 4,555 30,963 SH   SOLE   30,963 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 5,374 87,693 SH   SOLE   87,693 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,120 22,646 SH   SOLE   22,646 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 33,179 545,430 SH   SOLE   545,430 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 368 4,532 SH   SOLE   4,532 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 743 11,689 SH   SOLE   11,689 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 318 3,292 SH   SOLE   3,292 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 932 17,939 SH   SOLE   17,939 0 0
VISA INC COM CL A 92826C839 663 3,059 SH   SOLE   3,059 0 0
WASTE MGMT INC DEL COM 94106L109 372 2,231 SH   SOLE   2,231 0 0
WELLS FARGO CO NEW COM 949746101 832 17,334 SH   SOLE   17,334 0 0
WISDOMTREE TR US DIVID EX FNCL 97717W406 1,665 16,461 SH   SOLE   16,461 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 9,016 136,520 SH   SOLE   136,520 0 0