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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   2,428,614 16,313 SH   SOLE   13,864 0 2,449
ABBVIE INC COM 00287Y109   1,236,861 7,630 SH   SOLE   5,933 0 1,697
AMGEN INC COM 031162100   2,867,824 11,859 SH   SOLE   10,335 0 1,524
APPLE HOSPITALITY REIT INC COM NEW 03784Y200   267,459 14,884 SH   SOLE   14,884 0 0
APPLE INC COM 037833100   428,926 2,456 SH   SOLE   706 0 1,750
BLACKROCK INC COM 09247X101   758,720 993 SH   SOLE   661 0 332
BLACKROCK MUNIASSETS FD INC COM 09254J102   1,459,646 114,035 SH   SOLE   70,774 0 43,261
BRISTOL-MYERS SQUIBB CO COM 110122108   2,683,744 36,749 SH   SOLE   32,286 0 4,463
CANADIAN PAC RY LTD COM 13645T100   238,210 2,886 SH   SOLE   2 0 2,884
CATHAY GEN BANCORP COM 149150104   341,215 7,625 SH   SOLE   6,149 0 1,476
CISCO SYS INC COM 17275R102   1,612,567 28,920 SH   SOLE   23,305 0 5,615
CSX CORP COM 126408103   1,728,467 46,154 SH   SOLE   41,574 0 4,580
CVB FINL CORP COM 126600105   520,257 22,415 SH   SOLE   19,384 0 3,031
DBX ETF TR XTRACK MSCI EAFE 233051200   910,322 24,140 SH   SOLE   16,296 0 7,844
DBX ETF TR XTRACK MSCI EURP 233051853   395,834 11,500 SH   SOLE   4,600 0 6,900
EAST WEST BANCORP INC COM 27579R104   246,996 3,126 SH   SOLE   2,583 0 543
EBAY INC. COM 278642103   396,212 6,920 SH   SOLE   6,192 0 728
GARMIN LTD SHS H2906T109   273,940 2,310 SH   SOLE   2,090 0 220
GENTEX CORP COM 371901109   1,175,438 40,296 SH   SOLE   33,389 0 6,907
HOME DEPOT INC COM 437076102   581,833 1,944 SH   SOLE   1,916 0 28
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   212,379 4,604 SH   SOLE   4,079 0 525
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230   1,044,909 33,555 SH   SOLE   23,929 0 9,626
INVESCO MUNI INCOME OPP TRST COM 46132X101   1,227,918 172,946 SH   SOLE   132,729 0 40,217
ISHARES TR CORE MSCI EAFE 46432F842   495,925 7,135 SH   SOLE   5,054 0 2,081
ISHARES TR CORE S&P500 ETF 464287200   5,299,091 11,680 SH   SOLE   11,421 0 259
ISHARES TR CORE US AGGBD ET 464287226   1,129,222 10,544 SH   SOLE   10,544 0 0
ISHARES TR EAFE SML CP ETF 464288273   1,710,160 25,779 SH   SOLE   21,976 0 3,803
ISHARES TR HDG MSCI EAFE 46434V803   978,162 28,820 SH   SOLE   20,742 0 8,078
ISHARES TR MICRO-CAP ETF 464288869   293,378 2,277 SH   SOLE   1,777 0 500
ISHARES TR MSCI EAFE SMCP 46435G839   5,510,350 160,185 SH   SOLE   139,571 0 20,614
ISHARES TR MSCI USA MIN VOL 46429B697   1,640,078 21,143 SH   SOLE   19,835 0 1,308
ISHARES TR MSCI USA SMCP MN 46435G433   664,731 17,879 SH   SOLE   13,842 0 4,037
ISHARES TR RUS 1000 GRW ETF 464287614   353,628 1,274 SH   SOLE   1,258 0 16
ISHARES TR RUS 1000 VAL ETF 464287598   436,997 2,633 SH   SOLE   2,604 0 29
ISHARES TR RUS 2000 VAL ETF 464287630   835,888 5,179 SH   SOLE   4,014 0 1,165
ISHARES TR RUS MDCP VAL ETF 464287473   1,467,804 12,269 SH   SOLE   10,678 0 1,591
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886   331,294 6,750 SH   SOLE   3,924 0 2,826
JOHNSON & JOHNSON COM 478160104   236,853 1,336 SH   SOLE   1,086 0 250
LOGITECH INTL S A SHS H50430232   1,888,252 25,593 SH   SOLE   22,661 0 2,932
LOWES COS INC COM 548661107   4,823,270 23,855 SH   SOLE   19,573 0 4,282
MASTERCARD INCORPORATED CL A 57636Q104   4,761,853 13,324 SH   SOLE   9,825 0 3,499
MERCK & CO INC COM 58933Y105   2,401,073 29,264 SH   SOLE   24,728 0 4,536
MICROSOFT CORP COM 594918104   1,650,550 5,354 SH   SOLE   2,224 0 3,130
NETAPP INC COM 64110D104   408,013 4,916 SH   SOLE   3,822 0 1,094
ORACLE CORP COM 68389X105   352,926 4,266 SH   SOLE   4,266 0 0
PAYCHEX INC COM 704326107   553,930 4,059 SH   SOLE   2,459 0 1,600
PFIZER INC COM 717081103   290,801 5,617 SH   SOLE   4,403 0 1,214
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   748,807 7,476 SH   SOLE   7,391 0 85
ROSS STORES INC COM 778296103   1,957,854 21,643 SH   SOLE   18,966 0 2,677
SCHWAB CHARLES CORP COM 808513105   251,604 2,984 SH   SOLE   2,520 0 464
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   1,543,636 60,110 SH   SOLE   54,706 0 5,404
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   1,665,748 31,282 SH   SOLE   27,323 0 3,959
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   2,313,137 71,747 SH   SOLE   63,444 0 8,303
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,112,970 22,008 SH   SOLE   18,011 0 3,997
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   9,980,333 126,509 SH   SOLE   110,084 0 16,425
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   345,970 4,624 SH   SOLE   3,836 0 788
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,377,900 99,868 SH   SOLE   83,925 0 15,943
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   813,302 10,721 SH   SOLE   8,192 0 2,529
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,997,700 84,411 SH   SOLE   76,595 0 7,816
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   361,953 6,702 SH   SOLE   6,079 0 623
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   261,372 7,434 SH   SOLE   6,834 0 600
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   407,564 831 SH   SOLE   831 0 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   392,352 12,953 SH   SOLE   12,467 0 486
SPDR SER TR PRTFLO S&P500 GW 78464A409   244,198 3,688 SH   SOLE   3,658 0 30
SPDR SER TR PRTFLO S&P500 VL 78464A508   254,842 6,104 SH   SOLE   6,104 0 0
SPDR SER TR RUSSELL LOW VOL 78468R754   2,544,302 23,189 SH   SOLE   17,209 0 5,980
SPDR SER TR S&P DIVID ETF 78464A763   2,424,711 18,927 SH   SOLE   16,750 0 2,177
SPDR SER TR SSGA US LRG ETF 78468R804   630,799 4,390 SH   SOLE   3,246 0 1,144
SPDR SER TR SSGA US SMAL ETF 78468R887   1,005,875 8,811 SH   SOLE   7,303 0 1,508
STATE STR CORP COM 857477103   1,446,467 16,603 SH   SOLE   14,416 0 2,187
TCW STRATEGIC INCOME FD INC COM 872340104   2,967,966 576,304 SH   SOLE   515,736 0 60,568
TJX COS INC NEW COM 872540109   766,552 12,654 SH   SOLE   9,248 0 3,406
US BANCORP DEL COM NEW 902973304   703,096 13,229 SH   SOLE   13,229 0 0
VANECK ETF TRUST PHARMACEUTCL ETF 92189F692   425,805 5,339 SH   SOLE   3,839 0 1,500
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,300,395 16,349 SH   SOLE   15,762 0 587
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   234,657 4,751 SH   SOLE   3,659 0 1,092
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   2,531,054 15,279 SH   SOLE   14,023 0 1,256
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   5,117,939 34,195 SH   SOLE   31,296 0 2,899
VANGUARD INDEX FDS MID CAP ETF 922908629   780,475 3,282 SH   SOLE   2,887 0 395
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,966,567 33,913 SH   SOLE   30,947 0 2,966
VANGUARD INDEX FDS SMALL CP ETF 922908751   497,661 2,342 SH   SOLE   2,220 0 122
VANGUARD INDEX FDS TOTAL STK MKT 922908769   619,426 2,721 SH   SOLE   2,721 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   213,190 1,443 SH   SOLE   1,243 0 200
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   2,052,038 42,724 SH   SOLE   39,590 0 3,134
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   215,001 1,915 SH   SOLE   1,915 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   562,777 2,212 SH   SOLE   1,779 0 433
VIATRIS INC COM 92556V106   249,398 22,923 SH   SOLE   20,358 0 2,565
VISA INC COM CL A 92826C839   7,359,909 33,187 SH   SOLE   27,645 0 5,542
WILLIAMS SONOMA INC COM 969904101   596,909 4,117 SH   SOLE   3,735 0 382
WISDOMTREE TR INTL EQUITY FD 97717W703   258,353 4,898 SH   SOLE   2,248 0 2,650
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   7,632,995 177,760 SH   SOLE   160,601 0 17,159
WISDOMTREE TR US MIDCAP DIVID 97717W505   470,410 10,590 SH   SOLE   3,790 0 6,800