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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abb Ltd ADR SPONSORED ADR 000375204 23 600 SH   SOLE   600 0 0
AT&T Inc COM 00206R102 2,308 93,812 SH   SOLE   93,812 0 0
Adobe Systems, Inc COM 00724F101 85 150 SH   SOLE   150 0 0
Agilent Technologies Inc Com COM 00846U101 276 1,731 SH   SOLE   1,731 0 0
Airbnb, Inc. COM CL A 009066101 316 1,900 SH   SOLE   1,900 0 0
Alcoa Corp COM 013872106 1,084 18,200 SH   SOLE   18,200 0 0
Alibaba Group Holding SPONSORED ADS 01609W102 19 161 SH   SOLE   161 0 0
Alleghany Corp Del Common COM 017175100 87 130 SH   SOLE   130 0 0
Allstate Corp COM 020002101 3,654 31,057 SH   SOLE   31,057 0 0
Alphabet INC CLASS A CORP COMMON CAP STK CL A 02079K305 165 57 SH   SOLE   57 0 0
Altria Group Inc COM 02209S103 1,059 22,350 SH   SOLE   22,350 0 0
Amazon Com Inc COM 023135106 984 295 SH   SOLE   295 0 0
Ameren Corp Com COM 023608102 300 3,365 SH   SOLE   3,365 0 0
America Movil SAB ADR SPON ADR L SHS 02364W105 13 600 SH   SOLE   600 0 0
American Electric Power Co COM 025537101 12 135 SH   SOLE   135 0 0
Amgen Inc Com COM 031162100 5,463 24,283 SH   SOLE   24,283 0 0
Amplify Online Retail ETF ONLIN RETL ETF 032108102 62 700 SH   SOLE   700 0 0
APA Corporation COM 03743Q108 661 24,600 SH   SOLE   24,600 0 0
Apple Inc COM 037833100 19,949 112,342 SH   SOLE   112,342 0 0
Archer Daniels Midland Co. COM 039483102 1,068 15,800 SH   SOLE   15,800 0 0
Autoliv Inc Common COM 052800109 12 119 SH   SOLE   119 0 0
Automatic Data Processing COM 053015103 197 800 SH   SOLE   800 0 0
Avangrid, Inc. COM 05351W103 42 833 SH   SOLE   833 0 0
BP Amoco P L C Sponsored ADR SPONSORED ADR 055622104 331 12,428 SH   SOLE   12,428 0 0
Bank of America Corporation COM 060505104 846 19,022 SH   SOLE   19,022 0 0
Bank of New York Mellon Corp COM 064058100 1,944 33,471 SH   SOLE   33,471 0 0
Barclays Bank Ipath Bloom Commodity Etn DJUBS CMDT ETN36 06738C778 39 1,345 SH   SOLE   1,345 0 0
Becton Dickinson & Company COM 075887109 1,141 4,536 SH   SOLE   4,536 0 0
Berkshire Hathaway Inc Del CL B NEW 084670702 493 1,648 SH   SOLE   1,648 0 0
Black Knight Inc Common COM 09215C105 107 1,286 SH   SOLE   1,286 0 0
Blackrock, Inc COM 09247X101 92 100 SH   SOLE   100 0 0
Blackrock Science And Technology Trust Ii Tech Nav Cf SHS BEN INT 09260K101 47 1,200 SH   SOLE   1,200 0 0
Boeing Co COM 097023105 141 700 SH   SOLE   700 0 0
Broadridge Finl Solutions COM 11133T103 1,042 5,700 SH   SOLE   5,700 0 0
Brookfield Asset Management INC CLASS A CORP COMMON CL A LTD VT SH 112585104 408 6,750 SH   SOLE   6,750 0 0
CDK Global Inc COM 12508E101 1 33 SH   SOLE   33 0 0
Cigna Corp. COM 125523100 2 9 SH   SOLE   9 0 0
CME Group Inc Class A COM 12572Q105 11 50 SH   SOLE   50 0 0
California Wtr Svc Group Com COM 130788102 115 1,600 SH   SOLE   1,600 0 0
Cannae Holdings Inc. COM 13765N107 21 600 SH   SOLE   600 0 0
Charter Communications Inc. CL A 16119P108 5 7 SH   SOLE   7 0 0
Chevron Corporation COM 166764100 3,672 31,289 SH   SOLE   31,289 0 0
Cisco Sys Inc COM 17275R102 3,748 59,148 SH   SOLE   59,148 0 0
Cintas Corp COM 172908105 44 100 SH   SOLE   100 0 0
Cognizant Technology Solutions Corp CL A 192446102 572 6,450 SH   SOLE   6,450 0 0
Colgate Palmolive Co COM 194162103 43 500 SH   SOLE   500 0 0
Comcast Corp New Cl A CL A 20030N101 56 1,116 SH   SOLE   1,116 0 0
Comerica Inc COM 200340107 2,640 30,343 SH   SOLE   30,343 0 0
Conocophillips COM 20825C104 197 2,727 SH   SOLE   2,727 0 0
Corning Inc COM 219350105 1,749 46,975 SH   SOLE   46,975 0 0
Corteva Inc. COM 22052L104 61 1,296 SH   SOLE   1,296 0 0
DTE Energy Company COM 233331107 46 385 SH   SOLE   385 0 0
DT Midstream Inc. COMMON STOCK 23345M107 9 192 SH   SOLE   192 0 0
Disney (Walt) Co Holding Co. COM 254687106 4,656 30,060 SH   SOLE   30,060 0 0
Dow, Inc. COM 260557103 68 1,196 SH   SOLE   1,196 0 0
Dupont De Nemours Inc COM 26614N102 50 615 SH   SOLE   615 0 0
Enbridge Inc C COM 29250N105 12 295 SH   SOLE   295 0 0
Energy Transfer LP COM UT LTD PTN 29273V100 41 5,000 SH   SOLE   5,000 0 0
Extreme Networks Inc COM 30226D106 24 1,500 SH   SOLE   1,500 0 0
Exxon Mobil Corp COM 30231G102 1,445 23,609 SH   SOLE   23,609 0 0
Meta Platforms, Inc CL A 30303M102 1,060 3,150 SH   SOLE   3,150 0 0
Federated Hermes, Inc. CL B 314211103 1,950 51,900 SH   SOLE   51,900 0 0
Fidelity Natl Information Svcs Inc Common COM 31620M106 164 1,500 SH   SOLE   1,500 0 0
Fidelity Natl Finl Inc New Fnf Group Common FNF GROUP COM 31620R303 146 2,800 SH   SOLE   2,800 0 0
Freeport-McMoran Copper & Gold Inc. CL B 35671D857 29 700 SH   SOLE   700 0 0
Arthur J Gallagher & Co. COM 363576109 17 100 SH   SOLE   100 0 0
General Dynamics Corp COM 369550108 2,483 11,912 SH   SOLE   11,912 0 0
General Electric Co COM NEW 369604301 451 4,772 SH   SOLE   4,772 0 0
Gilead Sciences Inc COM 375558103 1,503 20,700 SH   SOLE   20,700 0 0
Glaxosmithline PLC Sponsored ADR SPONSORED ADR 37733W105 74 1,674 SH   SOLE   1,674 0 0
Global Payments Inc. COM 37940X102 14 102 SH   SOLE   102 0 0
Goldman Sachs Access High Yield Corporate Bond ETF ACCESS HIG YLD 381430453 50 1,000 SH   SOLE   1,000 0 0
Heritage Comm Corp COM 426927109 992 83,075 SH   SOLE   83,075 0 0
Hewlett Packard Enterprise Co COM 42824C109 462 29,300 SH   SOLE   29,300 0 0
Honeywell Intl Inc Com COM 438516106 334 1,600 SH   SOLE   1,600 0 0
Intel Corporation COM 458140100 4,481 87,007 SH   SOLE   87,007 0 0
Intercontinental Exchange Inc Common COM 45866F104 4 30 SH   SOLE   30 0 0
International Business Machines COM 459200101 1,061 7,937 SH   SOLE   7,937 0 0
International Flavors & Fragrances Inc. COM 459506101 68 450 SH   SOLE   450 0 0
International Paper Corp COM 460146103 1,914 40,750 SH   SOLE   40,750 0 0
Invesco QQQ Trust ETF UNIT SER 1 46090E103 80 200 SH   SOLE   200 0 0
Intuitive Surgical Inc. COM NEW 46120E602 10,756 29,935 SH   SOLE   29,935 0 0
Invesco S&P 500 Equal Weight ETF S&P500 EQL WGT 46137V357 260 1,599 SH   SOLE   1,599 0 0
Invesco Exchange Traded Fd Zacks Multi-Asset Income ETF ZACKS MULT AST 46137Y500 23 923 SH   SOLE   923 0 0
Invesco Bulletshares 2026 High Yield ETF INVSCO BLSH 26 46138J635 51 2,000 SH   SOLE   2,000 0 0
Invesco Exchange TRD SLF Index ETF BULSHS 2025 HY 46138J817 49 2,000 SH   SOLE   2,000 0 0
Invesco BulletShares 2024 High Yield Corporate Bond ETF BULSHS 2024 HY 46138J833 29 1,175 SH   SOLE   1,175 0 0
Invesco Bulletshares 2023 High Yield Corp Bond ETF BULSHS 2023 HY 46138J858 51 2,000 SH   SOLE   2,000 0 0
Iron Mountain Incorporated REIT COM 46284V101 10 200 SH   SOLE   200 0 0
Ishares Gold Trust ETF ISHARES NEW 464285204 16 457 SH   SOLE   457 0 0
iShares MSCI Australia ETF MSCI AUST ETF 464286103 45 1,806 SH   SOLE   1,806 0 0
iShares MSCI Pacific Ex Japan ETF MSCI PAC JP ETF 464286665 10 210 SH   SOLE   210 0 0
Ishares S&P 500 Growth ETF S&P 500 GRWT ETF 464287309 25 300 SH   SOLE   300 0 0
Ishares Semiconductor ETF ISHARES SEMICDTR 464287523 271 500 SH   SOLE   500 0 0
Ishares Biotechnology ETF ISHARES BIOTECH 464287556 90 590 SH   SOLE   590 0 0
iShares Cohen and Steers REIT ETF COHEN STEER REIT 464287564 30 400 SH   SOLE   400 0 0
Ishares Trust Russell 1000 Growth ETF RUS 1000 GRW ETF 464287614 38 125 SH   SOLE   125 0 0
Ishares Russell 2000 Growth ETF RUS 2000 GRW ETF 464287648 44 150 SH   SOLE   150 0 0
Ishares Russell 2000 ETF RUSSELL 2000 ETF 464287655 129 582 SH   SOLE   582 0 0
Ishares Core S&P US Growth ETF CORE S&P US GWT 464287671 139 1,200 SH   SOLE   1,200 0 0
iShares S&P Mid Cap 400 Value ETF S&P MC 400VL ETF 464287705 44 400 SH   SOLE   400 0 0
Ishares JP Morgan Usd Emerging Markets Bond ETF Mts JPMORGAN USD EMG 464288281 57 524 SH   SOLE   524 0 0
Ishares 1-5 Year Investment Grade Corporate Bond ETF ISHS 1-5YR INVS 464288646 80 1,480 SH   SOLE   1,480 0 0
Ishares PFD and Income ETF PFD AND INCM SEC 464288687 75 1,890 SH   SOLE   1,890 0 0
Ishares Silver Trust ETF ISHARES 46428Q109 50 2,347 SH   SOLE   2,347 0 0
Ishares Core Msci Eafe ETF CORE MSCI EAFE 46432F842 336 4,500 SH   SOLE   4,500 0 0
Ishares Trust 0-5 Yr High Yield 0-5YR HI YL CP 46434V407 29 639 SH   SOLE   639 0 0
iShares Tr Broad High Yield Corporate ETF BROAD USD HIGH 46435U853 49 1,200 SH   SOLE   1,200 0 0
J P Morgan Chase & Co Com COM 46625H100 57 360 SH   SOLE   360 0 0
Johnson & Johnson COM 478160104 4,765 27,853 SH   SOLE   27,853 0 0
Keysight Technologies Inc. COM 49338L103 179 865 SH   SOLE   865 0 0
Kimberly Clark Corp COM 494368103 62 437 SH   SOLE   437 0 0
Kinder Morgan Inc Del COM 49456B101 2 103 SH   SOLE   103 0 0
Kyndryl Holdings Inc. COMMON STOCK 50155Q100 29 1,587 SH   SOLE   1,587 0 0
Leidos Holdings Inc. COM 525327102 7 75 SH   SOLE   75 0 0
Lockheed Martin Corp COM 539830109 3,392 9,545 SH   SOLE   9,545 0 0
Mandiant Inc. COM 562662106 96 5,500 SH   SOLE   5,500 0 0
Manulife Financial Corp COM 56501R106 27 1,400 SH   SOLE   1,400 0 0
Merck & Co. Inc. COM 58933Y105 2,738 35,725 SH   SOLE   35,725 0 0
Microsoft Corporation COM 594918104 23,214 69,025 SH   SOLE   69,025 0 0
Microchip Technology Inc COM 595017104 2,731 31,373 SH   SOLE   31,373 0 0
Micron Technology Inc COM 595112103 6,939 74,495 SH   SOLE   74,495 0 0
Netflix Inc Common COM 64110L106 364 604 SH   SOLE   604 0 0
Nike Inc Cl B CL B 654106103 133 800 SH   SOLE   800 0 0
NortonLifeLock Inc. COM 668771108 13 500 SH   SOLE   500 0 0
Nvidia Corp COM 67066G104 24,705 84,000 SH   SOLE   84,000 0 0
Nuveen Preferred & Income Securities Fund COM 67072C105 8 792 SH   SOLE   792 0 0
Old Rep Intl Corp COM 680223104 17 700 SH   SOLE   700 0 0
Oneok, Inc COM 682680103 106 1,800 SH   SOLE   1,800 0 0
Orion Office REIT Inc COM 68629Y103 2 100 SH   SOLE   100 0 0
Ovintiv Inc COM 69047Q102 1,525 45,260 SH   SOLE   45,260 0 0
PNC Financial Services Group Inc COM 693475105 20 100 SH   SOLE   100 0 0
Paychex Inc COM 704326107 27 200 SH   SOLE   200 0 0
Paypal Hldgs Inc Common COM 70450Y103 943 5,000 SH   SOLE   5,000 0 0
Pepsico Inc COM 713448108 2,186 12,587 SH   SOLE   12,587 0 0
Pfizer Inc COM 717081103 4,898 82,941 SH   SOLE   82,941 0 0
Philip Morris Intl Inc. COM 718172109 1,635 17,213 SH   SOLE   17,213 0 0
Phillips 66 COM 718546104 87 1,200 SH   SOLE   1,200 0 0
Pimco Enhanced Short Maturity ENHAN SHRT MA AC 72201R833 62 606 SH   SOLE   606 0 0
Procter & Gamble Company COM 742718109 3,840 23,477 SH   SOLE   23,477 0 0
RLJ Lodging Trust Conv Pfd $1.95 CUM CONV PFD A 74965L200 58 2,000 SH   SOLE   2,000 0 0
Realty Income Corp COM 756109104 72 1,000 SH   SOLE   1,000 0 0
Ringcentral Inc. CL A 76680R206 187 1,000 SH   SOLE   1,000 0 0
Rio Tinto Plc ADR SPONSORED ADR 767204100 1,339 20,007 SH   SOLE   20,007 0 0
Royal Dutch Shell PLC SPONS ADR A 780259206 64 1,465 SH   SOLE   1,465 0 0
Royal Gold, Inc. COM 780287108 18 171 SH   SOLE   171 0 0
S&P Global Inc Common COM 78409V104 330 700 SH   SOLE   700 0 0
SJW Group COM 784305104 615 8,400 SH   SOLE   8,400 0 0
SPDR S&P 500 ETF Trust TR UNIT 78462F103 24,395 51,363 SH   SOLE   51,363 0 0
SPDR Gold Trust GOLD SHS 78463V107 26 151 SH   SOLE   151 0 0
Spdr S&P Dividend ETF IV S&P DIVID ETF 78464A763 30 236 SH   SOLE   236 0 0
Spdr S&P Midcap 400 ETF UTSER1 S&PDCRP 78467Y107 44 85 SH   SOLE   85 0 0
SVB Financial Group COM 78486Q101 2,855 4,210 SH   SOLE   4,210 0 0
Schlumberger LTD COM STK 806857108 1,834 61,251 SH   SOLE   61,251 0 0
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797 24 295 SH   SOLE   295 0 0
Science Applications International Corporation COM 808625107 4 42 SH   SOLE   42 0 0
Sealed Air Corporation COM 81211K100 13 200 SH   SOLE   200 0 0
Healthcare Select Sector SPDR SBI HEALTHCARE 81369Y209 5,429 38,531 SH   SOLE   38,531 0 0
Energy Sector SPDR TR ENERGY 81369Y506 4,851 87,406 SH   SOLE   87,406 0 0
Financial Select Sector SPDR ETF FINANCIAL 81369Y605 1,947 49,867 SH   SOLE   49,867 0 0
Servicenow Inc. COM 81762P102 2,226 3,430 SH   SOLE   3,430 0 0
Snowflake Inc. CL A 833445109 34 100 SH   SOLE   100 0 0
Block, Inc. CL A 852234103 57 350 SH   SOLE   350 0 0
Starbucks Corp COM 855244109 35 297 SH   SOLE   297 0 0
Synaptics Inc COM 87157D109 2,569 8,875 SH   SOLE   8,875 0 0
Taiwan Semiconductor Manufacturing CO Ltd ADR SPONSORED ADS 874039100 116 967 SH   SOLE   967 0 0
Target Corp Com COM 87612E106 3,888 16,800 SH   SOLE   16,800 0 0
Teradyne Inc. COM 880770102 809 4,950 SH   SOLE   4,950 0 0
Teva Pharmaceutical Inds ADR SPONSORED ADS 881624209 1 100 SH   SOLE   100 0 0
Texas Pac Ld Corp COM 88262P102 94 75 SH   SOLE   75 0 0
3M Co Com COM 88579Y101 2,984 16,800 SH   SOLE   16,800 0 0
US Bancorp Del Com New COM NEW 902973304 24 425 SH   SOLE   425 0 0
Vaneck Gold Miners ETF GOLD MINERS ETF 92189F106 6,885 214,970 SH   SOLE   214,970 0 0
Vaneck Digital Transformation ETF DIGI TRANSFRM 92189H821 67 3,640 SH   SOLE   3,640 0 0
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 33 191 SH   SOLE   191 0 0
Vanguard Total Bond Market Index Fund ETF TOTAL BND MRKT 921937835 76 898 SH   SOLE   898 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 1,976 38,700 SH   SOLE   38,700 0 0
Vanguard High Dividend ETF HIGH DIV YLD 921946406 30 266 SH   SOLE   266 0 0
Vangaurd Global Ex-US Real Estate GLB EX US ETF 922042676 701 13,000 SH   SOLE   13,000 0 0
Vanguard Emerging Markets Stock Index Fund Ftse ETF FTSE EMR MKT ETF 922042858 145 2,922 SH   SOLE   2,922 0 0
Vanguard FTSE Europe ETF FTSE EUROPE ETF 922042874 55 800 SH   SOLE   800 0 0
Vanguard Information Technology ETF INF TECH ETF 92204A702 7 15 SH   SOLE   15 0 0
Vanguard Materials Index Fund ETF MATERIALS ETF 92204A801 7,039 35,755 SH   SOLE   35,755 0 0
Vanguard Intermediate Term Corporate Bond ETF INT-TERM CORP 92206C870 22 241 SH   SOLE   241 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 100 229 SH   SOLE   229 0 0
Vanguard Real Estate ETF REAL ESTATE ETF 922908553 10,592 91,304 SH   SOLE   91,304 0 0
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 31 128 SH   SOLE   128 0 0
Verisign Inc COM 92343E102 838 3,300 SH   SOLE   3,300 0 0
Verizon Communications COM 92343V104 5,164 99,377 SH   SOLE   99,377 0 0
Veritiv Corporation COM 923454102 1 1 SH   SOLE   1 0 0
Vertex Pharmaceuticals Inc Com COM 92532F100 3,369 15,340 SH   SOLE   15,340 0 0
Visa, Inc COM CL A 92826C839 133 612 SH   SOLE   612 0 0
WD-40 CO. COM 929236107 73 300 SH   SOLE   300 0 0
Walmart Inc. COM 931142103 2,938 20,306 SH   SOLE   20,306 0 0
Walgreens Boots Alliance Inc COM 931427108 3,817 73,175 SH   SOLE   73,175 0 0
Wells Fargo & Co New COM 949746101 1,928 40,175 SH   SOLE   40,175 0 0
Western Alliance Bancorp COM 957638109 32 300 SH   SOLE   300 0 0
Weyerhaeuser Company COM NEW 962166104 16 400 SH   SOLE   400 0 0
XCEL Energy, Inc COM 98389B100 21 314 SH   SOLE   314 0 0
Zimmer Biomet Holdings Inc COM 98956P102 2,090 16,450 SH   SOLE   16,450 0 0
Zoom Video Communications Class A Shares CL A 98980L101 5 25 SH   SOLE   25 0 0
Accenture PLC F SHS CLASS A G1151C101 135 325 SH   SOLE   325 0 0
Brookfield Infrastructure Partners Lp Infrastructur Partner Unt LP INT UNIT G16252101 27 436 SH   SOLE   436 0 0
Bunge Limited COM G16962105 2,045 21,900 SH   SOLE   21,900 0 0
Norwegian Cruise Line Holdings Ltd SHS G66721104 3 142 SH   SOLE   142 0 0
Garmin Ltd SHS H2906T109 14 100 SH   SOLE   100 0 0
Flex Ltd ORD Y2573F102 9 500 SH   SOLE   500 0 0