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   890,496 7,426 SH   SOLE   6,682 0 744
AMGEN INC COM 031162100   1,674,583 6,376 SH   SOLE   5,285 0 1,091
APPLE INC COM 037833100   296,204 2,280 SH   SOLE   530 0 1,750
AUTOMATIC DATA PROCESSING IN COM 053015103   201,837 845 SH   SOLE   845 0 0
BLACKROCK INC COM 09247X101   738,862 1,043 SH   SOLE   706 0 337
BRISTOL-MYERS SQUIBB CO COM 110122108   2,814,028 39,111 SH   SOLE   33,806 0 5,305
CAMBRIA ETF TR CAMBRIA FGN SHR 132061300   1,394,269 57,439 SH   SOLE   50,919 0 6,520
CANADIAN PAC RY LTD COM 13645T100   215,267 2,886 SH   SOLE   2 0 2,884
CATHAY GEN BANCORP COM 149150104   436,335 10,697 SH   SOLE   8,971 0 1,726
CISCO SYS INC COM 17275R102   1,372,341 28,806 SH   SOLE   23,158 0 5,648
CSX CORP COM 126408103   2,885,511 93,141 SH   SOLE   82,273 0 10,868
CVB FINL CORP COM 126600105   552,076 21,440 SH   SOLE   18,365 0 3,075
DBX ETF TR XTRACK MSCI EAFE 233051200   1,243,549 38,584 SH   SOLE   28,580 0 10,004
DBX ETF TR XTRACK MSCI EURP 233051853   373,564 11,181 SH   SOLE   4,281 0 6,900
EAST WEST BANCORP INC COM 27579R104   1,023,674 15,534 SH   SOLE   14,284 0 1,250
GENTEX CORP COM 371901109   1,622,759 59,507 SH   SOLE   49,818 0 9,689
HOME DEPOT INC COM 437076102   572,559 1,813 SH   SOLE   1,723 0 90
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   265,215 3,522 SH   SOLE   3,401 0 121
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   727,930 15,915 SH   SOLE   14,495 0 1,420
INVESCO MUNI INCOME OPP TRST COM 46132X101   232,256 37,220 SH   SOLE   20,951 0 16,269
ISHARES TR CORE MSCI EAFE 46432F842   419,271 6,802 SH   SOLE   4,719 0 2,083
ISHARES TR CORE S&P500 ETF 464287200   4,170,379 10,854 SH   SOLE   10,652 0 202
ISHARES TR EAFE SML CP ETF 464288273   982,145 17,389 SH   SOLE   13,826 0 3,563
ISHARES TR HDG MSCI EAFE 46434V803   802,712 29,730 SH   SOLE   21,133 0 8,597
ISHARES TR MICRO-CAP ETF 464288869   238,803 2,215 SH   SOLE   1,715 0 500
ISHARES TR MRGSTR MD CP GRW 464288307   1,865,767 34,628 SH   SOLE   30,590 0 4,038
ISHARES TR MSCI EAFE SMCP 46435G839   4,588,320 177,747 SH   SOLE   160,203 0 17,544
ISHARES TR MSCI USA MIN VOL 46429B697   651,426 9,035 SH   SOLE   8,835 0 200
ISHARES TR MSCI USA SMCP MN 46435G433   501,586 14,497 SH   SOLE   10,927 0 3,570
ISHARES TR RUS 1000 GRW ETF 464287614   273,424 1,276 SH   SOLE   1,260 0 16
ISHARES TR RUS 1000 VAL ETF 464287598   400,156 2,639 SH   SOLE   2,609 0 30
ISHARES TR RUS 2000 VAL ETF 464287630   695,799 5,018 SH   SOLE   3,868 0 1,150
ISHARES TR RUS MDCP VAL ETF 464287473   1,031,373 9,791 SH   SOLE   8,713 0 1,078
JOHNSON & JOHNSON COM 478160104   236,796 1,340 SH   SOLE   1,090 0 250
LOWES COS INC COM 548661107   6,461,806 32,432 SH   SOLE   27,370 0 5,062
MASTERCARD INCORPORATED CL A 57636Q104   4,402,466 12,661 SH   SOLE   9,201 0 3,460
MERCK & CO INC COM 58933Y105   3,293,319 29,683 SH   SOLE   25,216 0 4,467
MICROSOFT CORP COM 594918104   2,143,224 8,937 SH   SOLE   5,632 0 3,305
ORACLE CORP COM 68389X105   234,839 2,873 SH   SOLE   2,873 0 0
PAYCHEX INC COM 704326107   471,380 4,079 SH   SOLE   2,479 0 1,600
PFIZER INC COM 717081103   1,158,411 22,608 SH   SOLE   19,513 0 3,095
ROSS STORES INC COM 778296103   4,063,644 35,010 SH   SOLE   31,117 0 3,893
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   2,739,599 122,194 SH   SOLE   107,659 0 14,535
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,584,421 54,504 SH   SOLE   48,619 0 5,885
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   14,505,365 192,022 SH   SOLE   169,559 0 22,463
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,299,295 73,074 SH   SOLE   60,441 0 12,633
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   498,317 7,595 SH   SOLE   5,466 0 2,129
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,085,705 26,801 SH   SOLE   24,395 0 2,406
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   210,448 7,156 SH   SOLE   6,556 0 600
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   349,361 789 SH   SOLE   789 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   237,385 6,104 SH   SOLE   6,104 0 0
SPDR SER TR RUSSELL LOW VOL 78468R754   2,763,075 26,837 SH   SOLE   20,680 0 6,157
SPDR SER TR S&P DIVID ETF 78464A763   708,967 5,667 SH   SOLE   4,352 0 1,315
SPDR SER TR SSGA US LRG ETF 78468R804   548,849 4,047 SH   SOLE   2,884 0 1,163
SPDR SER TR SSGA US SMAL ETF 78468R887   910,809 8,461 SH   SOLE   6,937 0 1,524
STATE STR CORP COM 857477103   1,071,554 13,814 SH   SOLE   12,378 0 1,436
TCW STRATEGIC INCOME FD INC COM 872340104   5,527,847 1,196,504 SH   SOLE   1,085,784 0 110,720
TJX COS INC NEW COM 872540109   713,067 8,958 SH   SOLE   6,509 0 2,449
URSTADT BIDDLE PPTYS INC CL A 917286205   3,277,070 172,932 SH   SOLE   154,185 0 18,747
US BANCORP DEL COM NEW 902973304   602,823 13,823 SH   SOLE   13,823 0 0
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   2,001,082 10,736 SH   SOLE   9,812 0 924
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,680,845 34,611 SH   SOLE   31,586 0 3,025
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,214,893 3,458 SH   SOLE   3,237 0 221
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,354,093 33,716 SH   SOLE   30,791 0 2,925
VANGUARD INDEX FDS SMALL CP ETF 922908751   286,209 1,559 SH   SOLE   1,559 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   465,135 2,433 SH   SOLE   2,433 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   204,256 1,455 SH   SOLE   1,255 0 200
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   208,300 3,779 SH   SOLE   3,627 0 152
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   288,788 6,881 SH   SOLE   6,605 0 276
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   207,753 1,920 SH   SOLE   1,920 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   1,108,419 15,919 SH   SOLE   14,969 0 950
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   377,412 1,522 SH   SOLE   1,186 0 336
VIATRIS INC COM 92556V106   245,411 22,050 SH   SOLE   19,413 0 2,637
VISA INC COM CL A 92826C839   7,352,675 35,390 SH   SOLE   29,634 0 5,756
WILLIAMS SONOMA INC COM 969904101   614,444 5,347 SH   SOLE   4,483 0 864
WISDOMTREE TR DYNAMIC INT EQ 97717X271   985,261 32,897 SH   SOLE   27,980 0 4,917
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   7,203,435 202,173 SH   SOLE   183,380 0 18,793
WISDOMTREE TR US MIDCAP DIVID 97717W505   401,420 9,757 SH   SOLE   3,007 0 6,750