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
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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
3M CO COM 88579Y101 BBG001S5T7X2 205,050 1,500 SH   SOLE   0 0 1,500
AMAZON COM INC COM 023135106 BBG001S5PQL7 528,805 2,838 SH   SOLE   0 0 2,838
APPLE INC COM 037833100 BBG001S5N8V8 417,831 1,793 SH   SOLE   0 0 1,793
CATERPILLAR INC COM 149123101 BBG001S5PJ06 806,098 2,061 SH   SOLE   0 0 2,061
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 643,570 4,370 SH   SOLE   0 0 4,370
CLOROX CO DEL COM 189054109 BBG001S5PX50 325,820 2,000 SH   SOLE   0 0 2,000
FAIR ISAAC CORP COM 303250104 BBG001S8ZT61 697,105,641 358,682 SH   SOLE   0 0 358,682
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 423,842 3,374 SH   SOLE   0 0 3,374
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 404,077 2,992 SH   SOLE   0 0 2,992
MICROSOFT CORP COM 594918104 BBG001S5TD05 212,568 494 SH   SOLE   0 0 494
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 641,204 5,280 SH   SOLE   0 0 5,280
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 597,720 8,986 SH   SOLE   0 0 8,986
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 401,632 700 SH   SOLE   0 0 700
TESLA INC COM 88160R101 BBG001SQKGD7 318,665 1,218 SH   SOLE   0 0 1,218
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 646,936 1,685 SH   SOLE   0 0 1,685
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 221,923 936 SH   SOLE   0 0 936
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,531,207 5,408 SH   SOLE   0 0 5,408
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 201,216 1,681 SH   SOLE   0 0 1,681
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 227,769 1,150 SH   SOLE   0 0 1,150
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 246,983 3,815 SH   SOLE   0 0 3,815
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 259,256 442 SH   SOLE   0 0 442
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 1,809,940 32,040 SH   SOLE   0 0 32,040
WESTAMERICA BANCORPORATION COM 957090103 BBG001S7XYL7 207,564 4,200 SH   SOLE   0 0 4,200