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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   1,019,310 9,225 SH   SOLE   0 0 9,225
ABBVIE INC COM 00287Y109   1,006,643 7,501 SH   SOLE   0 0 7,501
AMGEN INC COM 031162100   2,691,408 11,941 SH   SOLE   0 0 11,941
APPLE INC COM 037833100   315,046 2,280 SH   SOLE   0 0 2,280
BLACKROCK INC COM 09247X101   572,455 1,040 SH   SOLE   0 0 1,040
BRISTOL-MYERS SQUIBB CO COM 110122108   2,782,491 39,140 SH   SOLE   0 0 39,140
CAMBRIA ETF TR CAMBRIA FGN SHR 132061300   767,905 37,621 SH   SOLE   0 0 37,621
CATHAY GEN BANCORP COM 149150104   410,235 10,667 SH   SOLE   0 0 10,667
CISCO SYS INC COM 17275R102   1,150,141 28,754 SH   SOLE   0 0 28,754
CSX CORP COM 126408103   2,433,628 91,352 SH   SOLE   0 0 91,352
CVB FINL CORP COM 126600105   540,777 21,358 SH   SOLE   0 0 21,358
DBX ETF TR XTRACK MSCI EAFE 233051200   1,292,122 38,594 SH   SOLE   0 0 38,594
DBX ETF TR XTRACK MSCI EURP 233051853   334,652 11,174 SH   SOLE   0 0 11,174
EAST WEST BANCORP INC COM 27579R104   379,330 5,650 SH   SOLE   0 0 5,650
GENTEX CORP COM 371901109   1,382,259 57,981 SH   SOLE   0 0 57,981
HOME DEPOT INC COM 437076102   502,581 1,821 SH   SOLE   0 0 1,821
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230   202,130 8,200 SH   SOLE   0 0 8,200
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   237,243 3,400 SH   SOLE   0 0 3,400
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   603,413 14,646 SH   SOLE   0 0 14,646
INVESCO MUNI INCOME OPP TRST COM 46132X101   319,913 54,593 SH   SOLE   0 0 54,593
ISHARES TR CORE MSCI EAFE 46432F842   360,247 6,840 SH   SOLE   0 0 6,840
ISHARES TR CORE S&P500 ETF 464287200   3,878,382 10,814 SH   SOLE   0 0 10,814
ISHARES TR EAFE SML CP ETF 464288273   848,275 17,390 SH   SOLE   0 0 17,390
ISHARES TR HDG MSCI EAFE 46434V803   808,158 27,038 SH   SOLE   0 0 27,038
ISHARES TR MICRO-CAP ETF 464288869   228,788 2,213 SH   SOLE   0 0 2,213
ISHARES TR MRGSTR MD CP GRW 464288307   1,617,439 32,105 SH   SOLE   0 0 32,105
ISHARES TR MSCI EAFE SMCP 46435G839   5,321,684 179,665 SH   SOLE   0 0 179,665
ISHARES TR MSCI USA MIN VOL 46429B697   596,390 9,023 SH   SOLE   0 0 9,023
ISHARES TR MSCI USA SMCP MN 46435G433   461,280 14,456 SH   SOLE   0 0 14,456
ISHARES TR RUS 1000 GRW ETF 464287614   268,277 1,275 SH   SOLE   0 0 1,275
ISHARES TR RUS 1000 VAL ETF 464287598   358,515 2,636 SH   SOLE   0 0 2,636
ISHARES TR RUS 2000 VAL ETF 464287630   645,957 5,010 SH   SOLE   0 0 5,010
ISHARES TR RUS MDCP VAL ETF 464287473   947,659 9,866 SH   SOLE   0 0 9,866
JOHNSON & JOHNSON COM 478160104   218,764 1,339 SH   SOLE   0 0 1,339
LOGITECH INTL S A SHS H50430232   547,087 11,893 SH   SOLE   0 0 11,893
LOWES COS INC COM 548661107   6,057,743 32,255 SH   SOLE   0 0 32,255
MASTERCARD INCORPORATED CL A 57636Q104   3,642,062 12,809 SH   SOLE   0 0 12,809
MERCK & CO INC COM 58933Y105   2,705,365 31,414 SH   SOLE   0 0 31,414
MICROSOFT CORP COM 594918104   1,210,800 5,199 SH   SOLE   0 0 5,199
ORACLE CORP COM 68389X105   202,936 3,323 SH   SOLE   0 0 3,323
PAYCHEX INC COM 704326107   456,944 4,072 SH   SOLE   0 0 4,072
PFIZER INC COM 717081103   1,098,453 25,102 SH   SOLE   0 0 25,102
ROSS STORES INC COM 778296103   2,939,509 34,882 SH   SOLE   0 0 34,882
SCHWAB CHARLES CORP COM 808513105   219,435 3,053 SH   SOLE   0 0 3,053
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   2,220,792 110,984 SH   SOLE   0 0 110,984
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,380,034 54,872 SH   SOLE   0 0 54,872
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   12,217,369 183,913 SH   SOLE   0 0 183,913
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,087,101 72,895 SH   SOLE   0 0 72,895
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   464,887 7,680 SH   SOLE   0 0 7,680
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,015,769 26,872 SH   SOLE   0 0 26,872
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   316,910 789 SH   SOLE   0 0 789
SPDR SER TR PRTFLO S&P500 VL 78464A508   210,527 6,104 SH   SOLE   0 0 6,104
SPDR SER TR RUSSELL LOW VOL 78468R754   2,379,031 25,879 SH   SOLE   0 0 25,879
SPDR SER TR S&P DIVID ETF 78464A763   631,355 5,662 SH   SOLE   0 0 5,662
SPDR SER TR SSGA US LRG ETF 78468R804   497,684 4,033 SH   SOLE   0 0 4,033
SPDR SER TR SSGA US SMAL ETF 78468R887   832,763 8,434 SH   SOLE   0 0 8,434
STATE STR CORP COM 857477103   838,399 13,787 SH   SOLE   0 0 13,787
TCW STRATEGIC INCOME FD INC COM 872340104   5,256,161 1,113,593 SH   SOLE   0 0 1,113,593
TJX COS INC NEW COM 872540109   574,274 9,245 SH   SOLE   0 0 9,245
URSTADT BIDDLE PPTYS INC CL A 917286205   2,484,379 160,179 SH   SOLE   0 0 160,179
US BANCORP DEL COM NEW 902973304   541,634 13,433 SH   SOLE   0 0 13,433
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   1,844,795 10,536 SH   SOLE   0 0 10,536
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,226,924 34,712 SH   SOLE   0 0 34,712
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,040,804 3,170 SH   SOLE   0 0 3,170
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,831,913 33,695 SH   SOLE   0 0 33,695
VANGUARD INDEX FDS SMALL CP ETF 922908751   266,490 1,559 SH   SOLE   0 0 1,559
VANGUARD INDEX FDS TOTAL STK MKT 922908769   445,959 2,485 SH   SOLE   0 0 2,485
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   203,044 3,746 SH   SOLE   0 0 3,746
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   250,171 6,880 SH   SOLE   0 0 6,880
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   964,322 15,556 SH   SOLE   0 0 15,556
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   394,331 1,763 SH   SOLE   0 0 1,763
VIATRIS INC COM 92556V106   186,754 21,919 SH   SOLE   0 0 21,919
VISA INC COM CL A 92826C839   6,281,599 35,359 SH   SOLE   0 0 35,359
WILLIAMS SONOMA INC COM 969904101   604,727 5,131 SH   SOLE   0 0 5,131
WISDOMTREE TR DYNAMIC INT EQ 97717X271   466,892 16,645 SH   SOLE   0 0 16,645
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   6,799,745 189,461 SH   SOLE   0 0 189,461
WISDOMTREE TR US MIDCAP DIVID 97717W505   369,389 9,806 SH   SOLE   0 0 9,806