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 220,290 1,500 SH   SOLE   0 0 1,500
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 201,139 960 SH   SOLE   0 0 960
AMAZON COM INC COM 023135106 BBG001S5PQL7 543,763 2,858 SH   SOLE   0 0 2,858
APPLE INC COM 037833100 BBG001S5N8V8 392,916 1,769 SH   SOLE   0 0 1,769
AT&T INC COM 00206R102 BBG001S5VWH2 212,987 7,531 SH   SOLE   0 0 7,531
CATERPILLAR INC COM 149123101 BBG001S5PJ06 679,718 2,061 SH   SOLE   0 0 2,061
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 731,057 4,370 SH   SOLE   0 0 4,370
CLOROX CO DEL COM 189054109 BBG001S5PX50 294,500 2,000 SH   SOLE   0 0 2,000
DISCOVER FINL SVCS COM 254709108 BBG001SS0KV6 239,834 1,405 SH   SOLE   0 0 1,405
FAIR ISAAC CORP COM 303250104 BBG001S8ZT61 517,465,764 280,597 SH   SOLE   0 0 280,597
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 412,272 3,379 SH   SOLE   0 0 3,379
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 389,875 2,903 SH   SOLE   0 0 2,903
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 575,500 5,310 SH   SOLE   0 0 5,310
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 580,720 26,973 SH   SOLE   0 0 26,973
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 307,665 550 SH   SOLE   0 0 550
TESLA INC COM 88160R101 BBG001SQKGD7 315,657 1,218 SH   SOLE   0 0 1,218
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 606,314 1,635 SH   SOLE   0 0 1,635
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 207,545 936 SH   SOLE   0 0 936
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,415,123 5,149 SH   SOLE   0 0 5,149
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 223,089 1,150 SH   SOLE   0 0 1,150
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 2,300,152 32,040 SH   SOLE   0 0 32,040
WESTAMERICA BANCORPORATION COM 957090103 BBG001S7XYL7 212,646 4,200 SH   SOLE   0 0 4,200