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   403,074 4,305 SH   SOLE   3,844 0 461
AMGEN INC COM 031162100   2,198,473 8,180 SH   SOLE   6,974 0 1,206
APPLE INC COM 037833100   386,411 2,257 SH   SOLE   507 0 1,750
AUTOMATIC DATA PROCESSING IN COM 053015103   203,290 845 SH   SOLE   845 0 0
BLACKROCK INC COM 09247X101   635,031 982 SH   SOLE   644 0 338
BRISTOL-MYERS SQUIBB CO COM 110122108   2,141,516 36,897 SH   SOLE   31,494 0 5,403
CAMBRIA ETF TR CAMBRIA FGN SHR 132061300   2,404,228 100,260 SH   SOLE   89,701 0 10,559
CANADIAN PACIFIC KANSAS CITY COM 13646K108   214,747 2,886 SH   SOLE   2 0 2,884
CATHAY GEN BANCORP COM 149150104   231,069 6,648 SH   SOLE   5,161 0 1,487
CISCO SYS INC COM 17275R102   1,527,273 28,409 SH   SOLE   23,027 0 5,382
CSX CORP COM 126408103   3,104,921 100,973 SH   SOLE   89,666 0 11,307
DBX ETF TR XTRACK MSCI EAFE 233051200   1,910,856 54,752 SH   SOLE   44,351 0 10,401
DBX ETF TR XTRACK MSCI EURP 233051853   717,267 20,239 SH   SOLE   12,694 0 7,545
DOLLAR GEN CORP NEW COM 256677105   916,334 8,661 SH   SOLE   7,618 0 1,043
EAST WEST BANCORP INC COM 27579R104   801,070 15,198 SH   SOLE   13,928 0 1,270
GENTEX CORP COM 371901109   1,680,148 51,633 SH   SOLE   42,755 0 8,878
HOME DEPOT INC COM 437076102   581,029 1,923 SH   SOLE   1,880 0 43
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   274,786 3,413 SH   SOLE   3,291 0 122
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   913,624 18,975 SH   SOLE   17,553 0 1,422
INVESCO MUNI INCOME OPP TRST COM 46132X101   205,350 35,344 SH   SOLE   18,866 0 16,478
ISHARES TR CORE MSCI EAFE 46432F842   440,452 6,845 SH   SOLE   4,761 0 2,084
ISHARES TR CORE S&P500 ETF 464287200   4,694,790 10,933 SH   SOLE   10,725 0 208
ISHARES TR EAFE SML CP ETF 464288273   989,111 17,516 SH   SOLE   13,943 0 3,573
ISHARES TR HDG MSCI EAFE 46434V803   863,759 28,696 SH   SOLE   20,038 0 8,658
ISHARES TR MICRO-CAP ETF 464288869   219,434 2,192 SH   SOLE   1,692 0 500
ISHARES TR MRGSTR MD CP GRW 464288307   2,054,184 35,956 SH   SOLE   32,034 0 3,922
ISHARES TR MSCI EAFE SMCP 46435G839   5,066,494 181,821 SH   SOLE   165,599 0 16,222
ISHARES TR MSCI USA MIN VOL 46429B697   643,695 8,893 SH   SOLE   8,693 0 200
ISHARES TR MSCI USA SMCP MN 46435G433   434,150 13,136 SH   SOLE   9,566 0 3,570
ISHARES TR RUS 1000 GRW ETF 464287614   333,161 1,253 SH   SOLE   1,237 0 16
ISHARES TR RUS 1000 VAL ETF 464287598   391,961 2,582 SH   SOLE   2,552 0 30
ISHARES TR RUS 2000 VAL ETF 464287630   681,586 5,028 SH   SOLE   3,878 0 1,150
ISHARES TR RUS MDCP VAL ETF 464287473   1,021,208 9,787 SH   SOLE   8,709 0 1,078
JOHNSON & JOHNSON COM 478160104   209,268 1,344 SH   SOLE   1,094 0 250
LOWES COS INC COM 548661107   6,842,616 32,923 SH   SOLE   27,997 0 4,926
MARKEL GROUP INC COM 570535104   1,613,849 1,096 SH   SOLE   1,007 0 89
MASTERCARD INCORPORATED CL A 57636Q104   4,804,194 12,135 SH   SOLE   8,675 0 3,460
MERCK & CO INC COM 58933Y105   2,987,447 29,018 SH   SOLE   24,763 0 4,255
MICROSOFT CORP COM 594918104   2,956,354 9,363 SH   SOLE   6,007 0 3,356
ORACLE CORP COM 68389X105   280,476 2,648 SH   SOLE   2,648 0 0
PAYCHEX INC COM 704326107   444,445 3,854 SH   SOLE   2,254 0 1,600
PFIZER INC COM 717081103   851,887 25,682 SH   SOLE   22,451 0 3,231
REGENCY CTRS CORP COM 758849103   3,147,051 52,945 SH   SOLE   46,952 0 5,993
ROSS STORES INC COM 778296103   3,900,262 34,531 SH   SOLE   30,715 0 3,816
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   4,168,445 181,237 SH   SOLE   163,581 0 17,656
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   742,167 23,434 SH   SOLE   19,534 0 3,900
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   15,624,208 220,806 SH   SOLE   196,687 0 24,119
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,978,181 78,620 SH   SOLE   65,853 0 12,767
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   504,326 7,452 SH   SOLE   5,322 0 2,130
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,051,570 25,388 SH   SOLE   23,199 0 2,189
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   208,601 7,159 SH   SOLE   6,559 0 600
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   336,087 736 SH   SOLE   736 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   251,851 6,104 SH   SOLE   6,104 0 0
SPDR SER TR RUSSELL LOW VOL 78468R754   3,526,153 33,621 SH   SOLE   27,150 0 6,471
SPDR SER TR S&P DIVID ETF 78464A763   635,868 5,529 SH   SOLE   4,214 0 1,315
SPDR SER TR SSGA US LRG ETF 78468R804   544,699 4,079 SH   SOLE   2,899 0 1,180
SPDR SER TR SSGA US SMAL ETF 78468R887   843,569 8,530 SH   SOLE   6,990 0 1,540
STATE STR CORP COM 857477103   639,277 9,547 SH   SOLE   8,342 0 1,205
TCW STRATEGIC INCOME FD INC COM 872340104   5,596,236 1,221,886 SH   SOLE   1,112,654 0 109,232
TJX COS INC NEW COM 872540109   778,467 8,759 SH   SOLE   6,306 0 2,453
UNION PAC CORP COM 907818108   2,027,059 9,955 SH   SOLE   8,649 0 1,306
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   1,954,804 20,727 SH   SOLE   18,877 0 1,850
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,521,713 34,527 SH   SOLE   31,485 0 3,042
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,119,571 5,397 SH   SOLE   5,174 0 223
VANGUARD INDEX FDS SM CP VAL ETF 922908611   6,128,451 38,425 SH   SOLE   35,277 0 3,148
VANGUARD INDEX FDS SMALL CP ETF 922908751   223,799 1,184 SH   SOLE   1,184 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   771,544 3,632 SH   SOLE   3,632 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   202,061 1,465 SH   SOLE   1,265 0 200
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   238,854 3,490 SH   SOLE   3,328 0 162
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   243,033 5,559 SH   SOLE   5,282 0 277
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   247,008 2,391 SH   SOLE   2,391 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   328,599 1,398 SH   SOLE   1,103 0 295
VIATRIS INC COM 92556V106   178,722 18,126 SH   SOLE   15,411 0 2,715
VICTORY PORTFOLIOS II VCSHS US SMCP HG 92647N873   273,323 5,580 SH   SOLE   4,895 0 685
VISA INC COM CL A 92826C839   8,237,047 35,812 SH   SOLE   30,167 0 5,645
WILLIAMS SONOMA INC COM 969904101   892,440 5,743 SH   SOLE   4,864 0 879
WISDOMTREE TR DYNAMIC INT EQ 97717X271   1,221,094 39,918 SH   SOLE   35,228 0 4,690
WISDOMTREE TR EUR HDG SMLCAP 97717X552   417,091 12,624 SH   SOLE   12,141 0 483
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   8,116,347 209,508 SH   SOLE   190,439 0 19,069
WISDOMTREE TR JPN SCAP HDG EQT 97717W521   1,005,430 35,008 SH   SOLE   32,684 0 2,324
WISDOMTREE TR US MIDCAP DIVID 97717W505   399,785 9,760 SH   SOLE   3,010 0 6,750