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   720,797 7,201 SH   SOLE   0 0 7,201
AMGEN INC COM 031162100   1,810,395 8,154 SH   SOLE   0 0 8,154
APPLE INC COM 037833100   442,226 2,280 SH   SOLE   0 0 2,280
BLACKROCK INC COM 09247X101   705,352 1,021 SH   SOLE   0 0 1,021
BRISTOL-MYERS SQUIBB CO COM 110122108   2,878,182 45,007 SH   SOLE   0 0 45,007
CAMBRIA ETF TR CAMBRIA FGN SHR 132061300   2,039,837 84,958 SH   SOLE   0 0 84,958
CANADIAN PACIFIC KANSAS CITY COM 13646K108   233,102 2,886 SH   SOLE   0 0 2,886
CATHAY GEN BANCORP COM 149150104   343,364 10,667 SH   SOLE   0 0 10,667
CISCO SYS INC COM 17275R102   1,485,878 28,718 SH   SOLE   0 0 28,718
CSX CORP COM 126408103   3,282,749 96,268 SH   SOLE   0 0 96,268
CVB FINL CORP COM 126600105   222,381 16,746 SH   SOLE   0 0 16,746
DBX ETF TR XTRACK MSCI EAFE 233051200   1,546,045 43,711 SH   SOLE   0 0 43,711
DBX ETF TR XTRACK MSCI EURP 233051853   406,944 11,229 SH   SOLE   0 0 11,229
EAST WEST BANCORP INC COM 27579R104   812,768 15,396 SH   SOLE   0 0 15,396
GENTEX CORP COM 371901109   1,534,803 52,454 SH   SOLE   0 0 52,454
HOME DEPOT INC COM 437076102   596,267 1,919 SH   SOLE   0 0 1,919
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   279,008 3,509 SH   SOLE   0 0 3,509
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   893,515 19,240 SH   SOLE   0 0 19,240
INVESCO MUNI INCOME OPP TRST COM 46132X101   219,239 35,134 SH   SOLE   0 0 35,134
ISHARES TR CORE MSCI EAFE 46432F842   462,013 6,845 SH   SOLE   0 0 6,845
ISHARES TR CORE S&P500 ETF 464287200   4,839,758 10,859 SH   SOLE   0 0 10,859
ISHARES TR EAFE SML CP ETF 464288273   1,033,076 17,516 SH   SOLE   0 0 17,516
ISHARES TR HDG MSCI EAFE 46434V803   922,402 29,755 SH   SOLE   0 0 29,755
ISHARES TR MICRO-CAP ETF 464288869   242,334 2,217 SH   SOLE   0 0 2,217
ISHARES TR MRGSTR MD CP GRW 464288307   2,107,666 34,586 SH   SOLE   0 0 34,586
ISHARES TR MSCI EAFE SMCP 46435G839   5,032,977 176,874 SH   SOLE   0 0 176,874
ISHARES TR MSCI USA MIN VOL 46429B697   661,037 8,893 SH   SOLE   0 0 8,893
ISHARES TR MSCI USA SMCP MN 46435G433   450,307 13,136 SH   SOLE   0 0 13,136
ISHARES TR RUS 1000 GRW ETF 464287614   344,672 1,253 SH   SOLE   0 0 1,253
ISHARES TR RUS 1000 VAL ETF 464287598   407,477 2,582 SH   SOLE   0 0 2,582
ISHARES TR RUS 2000 VAL ETF 464287630   707,984 5,028 SH   SOLE   0 0 5,028
ISHARES TR RUS MDCP VAL ETF 464287473   1,077,319 9,808 SH   SOLE   0 0 9,808
JOHNSON & JOHNSON COM 478160104   222,395 1,344 SH   SOLE   0 0 1,344
LOWES COS INC COM 548661107   7,363,113 32,623 SH   SOLE   0 0 32,623
MARKEL GROUP INC COM 570535104   1,424,675 1,030 SH   SOLE   0 0 1,030
MASTERCARD INCORPORATED CL A 57636Q104   4,940,190 12,561 SH   SOLE   0 0 12,561
MERCK & CO INC COM 58933Y105   3,356,313 29,087 SH   SOLE   0 0 29,087
MICROSOFT CORP COM 594918104   3,206,788 9,417 SH   SOLE   0 0 9,417
ORACLE CORP COM 68389X105   315,350 2,648 SH   SOLE   0 0 2,648
PAYCHEX INC COM 704326107   430,418 3,847 SH   SOLE   0 0 3,847
PFIZER INC COM 717081103   897,386 24,465 SH   SOLE   0 0 24,465
ROSS STORES INC COM 778296103   3,927,175 35,023 SH   SOLE   0 0 35,023
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   3,383,632 141,338 SH   SOLE   0 0 141,338
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,772,049 54,879 SH   SOLE   0 0 54,879
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   15,328,697 211,081 SH   SOLE   0 0 211,081
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,975,035 75,903 SH   SOLE   0 0 75,903
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   534,609 7,527 SH   SOLE   0 0 7,527
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,136,660 25,951 SH   SOLE   0 0 25,951
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   218,409 7,159 SH   SOLE   0 0 7,159
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   352,478 736 SH   SOLE   0 0 736
SPDR SER TR PRTFLO S&P500 VL 78464A508   263,693 6,104 SH   SOLE   0 0 6,104
SPDR SER TR RUSSELL LOW VOL 78468R754   3,375,240 31,094 SH   SOLE   0 0 31,094
SPDR SER TR S&P DIVID ETF 78464A763   695,595 5,675 SH   SOLE   0 0 5,675
SPDR SER TR SSGA US LRG ETF 78468R804   571,952 4,068 SH   SOLE   0 0 4,068
SPDR SER TR SSGA US SMAL ETF 78468R887   878,806 8,508 SH   SOLE   0 0 8,508
STATE STR CORP COM 857477103   869,426 11,881 SH   SOLE   0 0 11,881
TCW STRATEGIC INCOME FD INC COM 872340104   5,704,775 1,232,133 SH   SOLE   0 0 1,232,133
TJX COS INC NEW COM 872540109   762,102 8,988 SH   SOLE   0 0 8,988
UNION PAC CORP COM 907818108   1,806,543 8,829 SH   SOLE   0 0 8,829
URSTADT BIDDLE PPTYS INC CL A 917286205   3,630,951 170,788 SH   SOLE   0 0 170,788
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   2,101,136 21,198 SH   SOLE   0 0 21,198
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,770,795 34,476 SH   SOLE   0 0 34,476
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,939,541 4,762 SH   SOLE   0 0 4,762
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,829,087 35,242 SH   SOLE   0 0 35,242
VANGUARD INDEX FDS SMALL CP ETF 922908751   235,403 1,184 SH   SOLE   0 0 1,184
VANGUARD INDEX FDS TOTAL STK MKT 922908769   798,715 3,626 SH   SOLE   0 0 3,626
VANGUARD INDEX FDS VALUE ETF 922908744   207,893 1,463 SH   SOLE   0 0 1,463
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   214,263 3,028 SH   SOLE   0 0 3,028
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   304,737 6,599 SH   SOLE   0 0 6,599
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   264,813 2,497 SH   SOLE   0 0 2,497
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   1,391,561 18,532 SH   SOLE   0 0 18,532
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   394,939 1,613 SH   SOLE   0 0 1,613
VIATRIS INC COM 92556V106   209,759 21,018 SH   SOLE   0 0 21,018
VICTORY PORTFOLIOS II VCSHS US SMCP HG 92647N873   575,609 11,212 SH   SOLE   0 0 11,212
VISA INC COM CL A 92826C839   8,511,600 35,841 SH   SOLE   0 0 35,841
WILLIAMS SONOMA INC COM 969904101   717,470 5,733 SH   SOLE   0 0 5,733
WISDOMTREE TR DYNAMIC INT EQ 97717X271   1,191,928 37,996 SH   SOLE   0 0 37,996
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   8,334,620 207,484 SH   SOLE   0 0 207,484
WISDOMTREE TR US MIDCAP DIVID 97717W505   410,380 9,759 SH   SOLE   0 0 9,759