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
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,886 79,042 SH   SOLE   0 0 79,042
STARBUCKS CORP COM 855244109 1,754 23,834 SH   SOLE   0 0 23,834
JOHNSON & JOHNSON COM 478160104 367 2,613 SH   SOLE   0 0 2,613
ABBVIE INC COM 00287Y109 1,767 17,994 SH   SOLE   0 0 17,994
3M CO COM 88579Y101 234 1,502 SH   SOLE   0 0 1,502
EDWARDS LIFESCIENCES CORP COM 28176E108 859 12,431 SH   SOLE   0 0 12,431
ISHARES TR CORE MSCI INTL 46435G326 3,237 63,338 SH   SOLE   0 0 63,338
BAXTER INTL INC COM 071813109 426 4,953 SH   SOLE   0 0 4,953
INTERPUBLIC GROUP COS INC COM 460690100 186 10,813 SH   SOLE   0 0 10,813
FORTINET INC COM 34959E109 1,970 14,353 SH   SOLE   0 0 14,353
CISCO SYS INC COM 17275R102 740 15,868 SH   SOLE   0 0 15,868
FASTENAL CO COM 311900104 438 10,235 SH   SOLE   0 0 10,235
INTUIT COM 461202103 1,875 6,329 SH   SOLE   0 0 6,329
CONOCOPHILLIPS COM 20825C104 239 5,687 SH   SOLE   0 0 5,687
PACKAGING CORP AMER COM 695156109 377 3,782 SH   SOLE   0 0 3,782
PAYCHEX INC COM 704326107 451 5,954 SH   SOLE   0 0 5,954
ISHARES TR IBOXX HI YD ETF 464288513 6,116 74,937 SH   SOLE   0 0 74,937
PROSHARES TR SHORT S&P 500 NE 74347B425 1,473 65,867 SH   SOLE   0 0 65,867
TEXAS INSTRS INC COM 882508104 2,201 17,337 SH   SOLE   0 0 17,337
AUTOMATIC DATA PROCESSING IN COM 053015103 270 1,813 SH   SOLE   0 0 1,813
GENERAL MLS INC COM 370334104 212 3,431 SH   SOLE   0 0 3,431
XEROX HOLDINGS CORP COM NEW 98421M106 166 10,850 SH   SOLE   0 0 10,850
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 4,225 84,316 SH   SOLE   0 0 84,316
WALMART INC COM 931142103 325 2,715 SH   SOLE   0 0 2,715
VANGUARD INDEX FDS GROWTH ETF 922908736 15,821 78,287 SH   SOLE   0 0 78,287
MICROSOFT CORP COM 594918104 600 2,947 SH   SOLE   0 0 2,947
ISHARES TR CORE S&P SCP ETF 464287804 837 12,250 SH   SOLE   0 0 12,250
HONEYWELL INTL INC COM 438516106 768 5,313 SH   SOLE   0 0 5,313
DENISON MINES CORP COM 248356107 7 20,017 SH   SOLE   0 0 20,017
MASTERCARD INCORPORATED CL A 57636Q104 1,756 5,937 SH   SOLE   0 0 5,937
LEGGETT & PLATT INC COM 524660107 368 10,462 SH   SOLE   0 0 10,462
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 225 3,430 SH   SOLE   0 0 3,430
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,963 6,367 SH   SOLE   0 0 6,367
BOEING CO COM 097023105 240 1,311 SH   SOLE   0 0 1,311
AT&T INC COM 00206R102 404 13,372 SH   SOLE   0 0 13,372
PRICE T ROWE GROUP INC COM 74144T108 385 3,121 SH   SOLE   0 0 3,121
NETAPP INC COM 64110D104 1,415 31,883 SH   SOLE   0 0 31,883
PROCTER AND GAMBLE CO COM 742718109 647 5,407 SH   SOLE   0 0 5,407
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 11,894 306,628 SH   SOLE   0 0 306,628
ROBERT HALF INTL INC COM 770323103 1,514 28,651 SH   SOLE   0 0 28,651
AUTODESK INC COM 052769106 1,989 8,314 SH   SOLE   0 0 8,314
ALIGN TECHNOLOGY INC COM 016255101 1,697 6,184 SH   SOLE   0 0 6,184
EMERSON ELEC CO COM 291011104 577 9,302 SH   SOLE   0 0 9,302
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 9,849 96,993 SH   SOLE   0 0 96,993
EXXON MOBIL CORP COM 30231G102 232 5,187 SH   SOLE   0 0 5,187
INTEL CORP COM 458140100 326 5,451 SH   SOLE   0 0 5,451
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621 373 20,842 SH   SOLE   0 0 20,842
BLACKROCK MUNIYIELD CALIF QU COM 09254N103 224 16,184 SH   SOLE   0 0 16,184
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 1,784 12,784 SH   SOLE   0 0 12,784
CHEVRON CORP NEW COM 166764100 985 11,037 SH   SOLE   0 0 11,037
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 228 4,206 SH   SOLE   0 0 4,206
HP INC COM 40434L105 1,520 87,208 SH   SOLE   0 0 87,208
APPLE INC COM 037833100 2,342 6,420 SH   SOLE   0 0 6,420
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,961 9,825 SH   SOLE   0 0 9,825
MAXIM INTEGRATED PRODS INC COM 57772K101 387 6,393 SH   SOLE   0 0 6,393
ALPHABET INC CAP STK CL C 02079K107 236 167 SH   SOLE   0 0 167
ISHARES TR MSCI EMG MKT ETF 464287234 2,294 57,370 SH   SOLE   0 0 57,370
MCDONALDS CORP COM 580135101 268 1,451 SH   SOLE   0 0 1,451
BEST BUY INC COM 086516101 221 2,533 SH   SOLE   0 0 2,533
CITRIX SYS INC COM 177376100 1,955 13,220 SH   SOLE   0 0 13,220
GENERAL DYNAMICS CORP COM 369550108 276 1,847 SH   SOLE   0 0 1,847
ROCKWELL AUTOMATION INC COM 773903109 1,742 8,179 SH   SOLE   0 0 8,179
HOME DEPOT INC COM 437076102 279 1,112 SH   SOLE   0 0 1,112
SPDR SER TR S&P 600 SMCP VAL 78464A300 641 13,054 SH   SOLE   0 0 13,054
F5 NETWORKS INC COM 315616102 1,679 12,037 SH   SOLE   0 0 12,037
MASCO CORP COM 574599106 795 15,828 SH   SOLE   0 0 15,828
ISHARES TR CORE HIGH DV ETF 46429B663 1,471 18,121 SH   SOLE   0 0 18,121
ISHARES TR CORE S&P500 ETF 464287200 351 1,135 SH   SOLE   0 0 1,135
EDISON INTL COM 281020107 424 7,800 SH   SOLE   0 0 7,800
UNITEDHEALTH GROUP INC COM 91324P102 752 2,550 SH   SOLE   0 0 2,550
RAYTHEON TECHNOLOGIES CORP COM 75513E101 904 14,678 SH   SOLE   0 0 14,678
SPDR SER TR BLOOMBERG BRCLYS 78468R622 648 6,406 SH   SOLE   0 0 6,406
VERISIGN INC COM 92343E102 1,746 8,443 SH   SOLE   0 0 8,443
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 35,481 401,640 SH   SOLE   0 0 401,640
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,515 240,206 SH   SOLE   0 0 240,206
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,773 8,255 SH   SOLE   0 0 8,255
ISHARES TR S&P 500 GRWT ETF 464287309 2,592 12,491 SH   SOLE   0 0 12,491
GILEAD SCIENCES INC COM 375558103 12,856 167,088 SH   SOLE   0 0 167,088
NVIDIA CORPORATION COM 67066G104 229 603 SH   SOLE   0 0 603
VANGUARD INDEX FDS SM CP VAL ETF 922908611 551 5,156 SH   SOLE   0 0 5,156
CVB FINL CORP COM 126600105 536 28,595 SH   SOLE   0 0 28,595
EATON CORP PLC SHS G29183103 488 5,583 SH   SOLE   0 0 5,583
ISHARES TR MSCI EAFE ETF 464287465 4,283 70,363 SH   SOLE   0 0 70,363
SPDR SER TR S&P 600 SMCP GRW 78464A201 848 14,930 SH   SOLE   0 0 14,930
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 6,250 108,270 SH   SOLE   0 0 108,270
METLIFE INC COM 59156R108 457 12,513 SH   SOLE   0 0 12,513
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 3,105 27,813 SH   SOLE   0 0 27,813
ISHARES TR SP SMCP600VL ETF 464287879 4,106 34,112 SH   SOLE   0 0 34,112
BRISTOL-MYERS SQUIBB CO COM 110122108 324 5,503 SH   SOLE   0 0 5,503
ADVANCED MICRO DEVICES INC COM 007903107 213 4,053 SH   SOLE   0 0 4,053
PRUDENTIAL FINL INC COM 744320102 405 6,657 SH   SOLE   0 0 6,657
AMER STATES WTR CO COM 029899101 478 6,082 SH   SOLE   0 0 6,082
ISHARES INC CORE MSCI EMKT 46434G103 1,633 34,307 SH   SOLE   0 0 34,307
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 603 5,670 SH   SOLE   0 0 5,670
ISHARES TR JPMORGAN USD EMG 464288281 5,037 46,117 SH   SOLE   0 0 46,117
FORD MTR CO DEL COM 345370860 161 26,501 SH   SOLE   0 0 26,501
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,672 34,022 SH   SOLE   0 0 34,022
ISHARES TR CORE US AGGBD ET 464287226 2,601 22,004 SH   SOLE   0 0 22,004
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 311 2,693 SH   SOLE   0 0 2,693
INTERNATIONAL BUSINESS MACHS COM 459200101 482 3,990 SH   SOLE   0 0 3,990
CUMMINS INC COM 231021106 598 3,452 SH   SOLE   0 0 3,452
AMAZON COM INC COM 023135106 240 87 SH   SOLE   0 0 87
VANGUARD INDEX FDS VALUE ETF 922908744 25,978 260,848 SH   SOLE   0 0 260,848
LOCKHEED MARTIN CORP COM 539830109 369 1,010 SH   SOLE   0 0 1,010
ISHARES TR S&P 500 VAL ETF 464287408 5,735 53,001 SH   SOLE   0 0 53,001
R1 RCM INC COM 749397105 115 10,301 SH   SOLE   0 0 10,301
MERCK & CO. INC COM 58933Y105 479 6,194 SH   SOLE   0 0 6,194