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
Expires: July 31, 2015
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
ALPHABET INC CAP STK CL A 02079K305 694,013 1,942 SH SOLE 0 0 1,942
ALPHABET INC CAP STK CL C 02079K107 1,157,214 3,275 SH SOLE 0 0 3,275
AMAZON COM INC COM 023135106 723,839 3,037 SH SOLE 0 0 3,037
AMGEN INC COM 031162100 252,036 696 SH SOLE 0 0 696
APPLE INC COM 037833100 12,108,624 41,846 SH SOLE 0 0 41,846
APPLIED MATLS INC COM 038222105 429,462 594 SH SOLE 0 0 594
BERKSHIRE HATHAWAY INC DEL CL A 084670108 748,850 1 SH SOLE 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,830,265 9,653 SH SOLE 0 0 9,653
BLACKROCK ENHANCED EQUITY DI COM 09251A104 173,600 18,140 SH SOLE 0 0 18,140
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 35,542,516 679,070 SH SOLE 0 0 679,070
BROADCOM INC COM 11135F101 367,173 972 SH SOLE 0 0 972
CAPITAL GROUP CORE BALANCED SHS 14021D107 12,997,369 342,396 SH SOLE 0 0 342,396
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 105,495,741 2,140,742 SH SOLE 0 0 2,140,742
CAPITAL GROUP GBL GROWTH EQT SHS CREAT UNIT 14020X104 7,755,576 183,217 SH SOLE 0 0 183,217
CAPITAL GROUP GROWTH ETF SHS CREAT UNIT 14020G101 67,533,098 1,430,786 SH SOLE 0 0 1,430,786
CAPITAL GROUP INTERNATIONAL SHS 14021T102 31,349,294 861,481 SH SOLE 0 0 861,481
CAPITAL GROUP INTERNATIONAL SHS 14021M107 5,645,992 153,507 SH SOLE 0 0 153,507
CAPITAL GROUP NEW GEOGRAPHY SHS 14021N105 18,702,466 499,265 SH SOLE 0 0 499,265
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508 61,719,115 2,357,491 SH SOLE 0 0 2,357,491
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 14,224,207 638,143 SH SOLE 0 0 638,143
CAPITAL GRP FIXED INCM ETF T MUN INM ETF 14020Y201 365,461 13,304 SH SOLE 0 0 13,304
CAPITAL GRP FIXED INCM ETF T SHORT DURATION 14020Y409 200,154 7,779 SH SOLE 0 0 7,779
CATERPILLAR INC COM 149123101 523,931 492 SH SOLE 0 0 492
CHEVRON CORPORATION COM 166764100 314,757 1,899 SH SOLE 0 0 1,899
CISCO SYS INC COM 17275R102 339,530 2,891 SH SOLE 0 0 2,891
COCA COLA CO COM 191216100 450,328 5,541 SH SOLE 0 0 5,541
COSTCO WHOLESALE CORPORATION COM 22160K105 449,497 481 SH SOLE 0 0 481
ECOLAB INC COM 278865100 278,610 1,000 SH SOLE 0 0 1,000
ELI LILLY & CO COM 532457108 409,006 341 SH SOLE 0 0 341
EXXON MOBIL CORP COM 30231G102 527,971 3,862 SH SOLE 0 0 3,862
FIRST TR EXCH TRADED FD III CALIF MUN INCM 33739P863 200,247 4,033 SH SOLE 0 0 4,033
GE AEROSPACE COM NEW 369604301 488,152 1,306 SH SOLE 0 0 1,306
GE VERNOVA INC COM 36828A101 385,369 328 SH SOLE 0 0 328
GOLDMAN SACHS ETF TR MUNI INCOME ETF 38149W549 880,447 17,116 SH SOLE 0 0 17,116
HOME DEPOT INC COM 437076102 395,354 1,121 SH SOLE 0 0 1,121
INTEL CORP COM 458140100 5,538,481 39,665 SH SOLE 0 0 39,665
INTERNATIONAL BUSINESS MACHS COM 459200101 329,356 1,171 SH SOLE 0 0 1,171
INVESCO ACTIVELY MANAGED EXC ULTRA SHRT DUR 46090A887 14,912,390 297,356 SH SOLE 0 0 297,356
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 6,491,459 30,509 SH SOLE 0 0 30,509
INVESCO QQQ TR UNIT SER 1 46090E103 379,185 515 SH SOLE 0 0 515
ISHARES TR 0-5YR HI YL CP 46434V407 766,140 18,065 SH SOLE 0 0 18,065
ISHARES TR 10-20 YR TRS ETF 464288653 369,589 3,683 SH SOLE 0 0 3,683
ISHARES TR CALIF MUN BD ETF 464288356 1,186,346 20,582 SH SOLE 0 0 20,582
ISHARES TR CORE S&P MCP ETF 464287507 480,924 6,237 SH SOLE 0 0 6,237
ISHARES TR CORE S&P SCP ETF 464287804 418,205 2,820 SH SOLE 0 0 2,820
ISHARES TR CORE S&P TTL STK 464287150 96,694,559 588,632 SH SOLE 0 0 588,632
ISHARES TR CORE S&P500 ETF 464287200 1,082,291 1,445 SH SOLE 0 0 1,445
ISHARES TR CORE UNIVRSL USD 46434V613 47,318,148 1,025,312 SH SOLE 0 0 1,025,312
ISHARES TR CORE US AGGBD ET 464287226 409,579 4,138 SH SOLE 0 0 4,138
ISHARES TR ESG ADVAN ETF 46436E619 1,368,197 31,489 SH SOLE 0 0 31,489
ISHARES TR ESG AWARE MSCI 46435U663 200,509 3,585 SH SOLE 0 0 3,585
ISHARES TR ESG AWRE 1 5 YR 46435G243 597,136 23,895 SH SOLE 0 0 23,895
ISHARES TR ESG MSCI KLD ETF 464288570 637,622 4,478 SH SOLE 0 0 4,478
ISHARES TR GLOBAL FINLS ETF 464287333 353,345 2,838 SH SOLE 0 0 2,838
ISHARES TR IBDS DEC28 ETF 46435U515 526,831 20,865 SH SOLE 0 0 20,865
ISHARES TR IBON 2026 TE ETF 46436E528 342,490 15,121 SH SOLE 0 0 15,121
ISHARES TR IBONDS 27 ETF 46435UAA9 850,592 35,119 SH SOLE 0 0 35,119
ISHARES TR IBONDS DEC 2030 46436E726 320,360 14,695 SH SOLE 0 0 14,695
ISHARES TR IBONDS DEC 2031 46436E486 248,274 11,913 SH SOLE 0 0 11,913
ISHARES TR IBONDS DEC 29 46436E205 330,231 14,259 SH SOLE 0 0 14,259
ISHARES TR IBONDS DEC2026 46435GAA0 1,234,062 50,931 SH SOLE 0 0 50,931
ISHARES TR ISHS 1-5YR INVS 464288646 1,581,041 30,167 SH SOLE 0 0 30,167
ISHARES TR MSCI INTL VLU FT 46435G409 1,066,034 25,491 SH SOLE 0 0 25,491
ISHARES TR MSCI USA QLT FCT 46432F339 1,766,983 8,053 SH SOLE 0 0 8,053
ISHARES TR NATIONAL MUN ETF 464288414 6,869,508 63,831 SH SOLE 0 0 63,831
ISHARES TR RUS 1000 VAL ETF 464287598 887,725 3,662 SH SOLE 0 0 3,662
ISHARES TR SHRT NAT MUN ETF 464288158 3,160,063 29,680 SH SOLE 0 0 29,680
ISHARES TR TRS FLT RT BD 46434V860 2,818,331 55,665 SH SOLE 0 0 55,665
ISHARES TR ULTRA SHORT DUR 46434V878 1,726,464 34,133 SH SOLE 0 0 34,133
ISHARES TR US TREAS BD ETF 46429B267 31,982,727 1,403,983 SH SOLE 0 0 1,403,983
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 400,782 7,912 SH SOLE 0 0 7,912
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 481,848 9,448 SH SOLE 0 0 9,448
JOHNSON & JOHNSON COM 478160104 1,577,752 6,212 SH SOLE 0 0 6,212
JPMORGAN CHASE & CO COM 46625H100 258,263 789 SH SOLE 0 0 789
KROGER CO COM 501044101 465,508 8,383 SH SOLE 0 0 8,383
MARRIOTT INTL INC NEW CL A 571903202 673,362 1,817 SH SOLE 0 0 1,817
MASTERCARD INCORPORATED CL A 57636Q104 214,685 418 SH SOLE 0 0 418
MCDONALDS CORP COM 580135101 432,226 1,599 SH SOLE 0 0 1,599
MERCK & CO INC COM 58933Y105 545,997 4,249 SH SOLE 0 0 4,249
META PLATFORMS INC CL A 30303M102 1,222,999 2,171 SH SOLE 0 0 2,171
MICRON TECHNOLOGY INC COM 595112103 204,309 177 SH SOLE 0 0 177
MICROSOFT CORP COM 594918104 3,331,923 8,932 SH SOLE 0 0 8,932
NORFOLK SOUTHN CORP COM 655844108 330,949 1,052 SH SOLE 0 0 1,052
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 378,174 7,565 SH SOLE 0 0 7,565
NVIDIA CORPORATION COM 67066G104 1,870,668 9,349 SH SOLE 0 0 9,349
ORACLE CORP COM 68389X105 471,891 3,220 SH SOLE 0 0 3,220
PFIZER INC COM 717081103 213,132 8,851 SH SOLE 0 0 8,851
PORTLAND GEN ELEC CO COM NEW 736508847 250,692 4,837 SH SOLE 0 0 4,837
PROCTER & GAMBLE CO COM 742718109 430,829 2,938 SH SOLE 0 0 2,938
RIVERVIEW BANCORP INC COM 769397100 127,790 23,534 SH SOLE 0 0 23,534
RTX CORPORATION COM 75513E101 221,605 1,168 SH SOLE 0 0 1,168
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,368,710 37,747 SH SOLE 0 0 37,747
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 23,689,319 597,009 SH SOLE 0 0 597,009
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 47,109,488 892,902 SH SOLE 0 0 892,902
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 20,544,225 660,586 SH SOLE 0 0 660,586
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 11,703,413 307,499 SH SOLE 0 0 307,499
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,696,745 97,355 SH SOLE 0 0 97,355
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 281,660 9,726 SH SOLE 0 0 9,726
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 305,747 9,642 SH SOLE 0 0 9,642
SPDR GOLD TR GOLD SHS 78463V107 1,874,686 5,089 SH SOLE 0 0 5,089
SPDR SERIES TRUST ST STR PR SP1500 78464A805 383,385 4,223 SH SOLE 0 0 4,223
SSGA ACTIVE ETF TR ST STR REAL ETF 78467V103 18,262,511 529,195 SH SOLE 0 0 529,195
SSGA ACTIVE ETF TR ST STR TOTAL ETF 78467V848 2,322,863 58,851 SH SOLE 0 0 58,851
STARBUCKS CORP COM 855244109 219,709 2,150 SH SOLE 0 0 2,150
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 26,828,067 51,356 SH SOLE 0 0 51,356
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 950,682 1,273 SH SOLE 0 0 1,273
TAYLOR DEVICES INC COM 877163105 234,720 4,000 SH SOLE 0 0 4,000
TESLA INC COM 88160R101 1,101,972 2,620 SH SOLE 0 0 2,620
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 413,471 8,027 SH SOLE 0 0 8,027
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 202,573 8,846 SH SOLE 0 0 8,846
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 331,884 2,413 SH SOLE 0 0 2,413
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,204,029 3,501 SH SOLE 0 0 3,501
VANGUARD INDEX FDS MID CAP ETF 922908629 9,259,473 114,925 SH SOLE 0 0 114,925
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 396,621 577 SH SOLE 0 0 577
VANGUARD INDEX FDS SMALL CP ETF 922908751 10,011,117 33,027 SH SOLE 0 0 33,027
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,672,958 7,223 SH SOLE 0 0 7,223
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,774,489 63,235 SH SOLE 0 0 63,235
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 488,247 3,111 SH SOLE 0 0 3,111
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 653,443 12,919 SH SOLE 0 0 12,919
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 220,172 3,733 SH SOLE 0 0 3,733
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 47,105,531 596,046 SH SOLE 0 0 596,046
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,185,333 9,236 SH SOLE 0 0 9,236
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 12,393,228 173,940 SH SOLE 0 0 173,940
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 334,396 2,116 SH SOLE 0 0 2,116
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 1,728,066 18,506 SH SOLE 0 0 18,506
VANGUARD WORLD FD ESG INTL STK ETF 921910725 1,311,259 15,925 SH SOLE 0 0 15,925
VANGUARD WORLD FD ESG US STK ETF 921910733 1,866,171 14,112 SH SOLE 0 0 14,112
VANGUARD WORLD FD INF TECH ETF 92204A702 254,395 2,128 SH SOLE 0 0 2,128
WALMART INC COM 931142103 261,970 2,313 SH SOLE 0 0 2,313
WASTE MGMT INC DEL COM 94106L109 445,760 2,000 SH SOLE 0 0 2,000
WILLIAMS COS INC COM 969457100 416,230 5,599 SH SOLE 0 0 5,599