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   750,844 7,143 SH   SOLE   6,474 0 669
AMGEN INC COM 031162100   1,651,719 6,832 SH   SOLE   5,699 0 1,133
APPLE INC COM 037833100   375,939 2,280 SH   SOLE   530 0 1,750
BLACKROCK INC COM 09247X101   699,427 1,045 SH   SOLE   707 0 338
BRISTOL-MYERS SQUIBB CO COM 110122108   2,836,349 40,923 SH   SOLE   35,585 0 5,338
CAMBRIA ETF TR CAMBRIA FGN SHR 132061300   2,079,190 83,134 SH   SOLE   74,325 0 8,809
CANADIAN PAC RY LTD COM 13645T100   222,049 2,886 SH   SOLE   2 0 2,884
CATHAY GEN BANCORP COM 149150104   439,107 12,720 SH   SOLE   10,989 0 1,731
CISCO SYS INC COM 17275R102   1,495,532 28,609 SH   SOLE   23,250 0 5,359
CSX CORP COM 126408103   2,758,222 92,125 SH   SOLE   81,943 0 10,182
CVB FINL CORP COM 126600105   343,102 20,570 SH   SOLE   17,967 0 2,603
DBX ETF TR XTRACK MSCI EAFE 233051200   1,478,139 41,993 SH   SOLE   31,989 0 10,004
DBX ETF TR XTRACK MSCI EURP 233051853   409,456 11,181 SH   SOLE   4,281 0 6,900
EAST WEST BANCORP INC COM 27579R104   921,405 16,602 SH   SOLE   15,347 0 1,255
GENTEX CORP COM 371901109   1,639,592 58,494 SH   SOLE   49,344 0 9,150
HOME DEPOT INC COM 437076102   555,079 1,881 SH   SOLE   1,838 0 43
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   266,392 3,528 SH   SOLE   3,406 0 122
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   822,327 18,061 SH   SOLE   16,629 0 1,432
INVESCO MUNI INCOME OPP TRST COM 46132X101   248,966 37,495 SH   SOLE   21,156 0 16,339
ISHARES TR CORE MSCI EAFE 46432F842   454,709 6,802 SH   SOLE   4,719 0 2,083
ISHARES TR CORE S&P500 ETF 464287200   4,443,147 10,808 SH   SOLE   10,606 0 202
ISHARES TR EAFE SML CP ETF 464288273   1,033,896 17,373 SH   SOLE   13,810 0 3,563
ISHARES TR HDG MSCI EAFE 46434V803   876,877 29,755 SH   SOLE   21,147 0 8,608
ISHARES TR MICRO-CAP ETF 464288869   231,589 2,216 SH   SOLE   1,716 0 500
ISHARES TR MRGSTR MD CP GRW 464288307   2,003,003 34,799 SH   SOLE   31,040 0 3,759
ISHARES TR MSCI EAFE SMCP 46435G839   4,829,328 176,408 SH   SOLE   159,320 0 17,088
ISHARES TR MSCI USA MIN VOL 46429B697   658,057 9,047 SH   SOLE   8,847 0 200
ISHARES TR MSCI USA SMCP MN 46435G433   480,396 13,852 SH   SOLE   10,282 0 3,570
ISHARES TR RUS 1000 GRW ETF 464287614   305,906 1,252 SH   SOLE   1,236 0 16
ISHARES TR RUS 1000 VAL ETF 464287598   392,891 2,580 SH   SOLE   2,550 0 30
ISHARES TR RUS 2000 VAL ETF 464287630   688,304 5,023 SH   SOLE   3,873 0 1,150
ISHARES TR RUS MDCP VAL ETF 464287473   1,040,831 9,801 SH   SOLE   8,723 0 1,078
JOHNSON & JOHNSON COM 478160104   208,013 1,342 SH   SOLE   1,092 0 250
LOWES COS INC COM 548661107   6,399,808 32,004 SH   SOLE   27,091 0 4,913
MASTERCARD INCORPORATED CL A 57636Q104   4,562,966 12,556 SH   SOLE   9,096 0 3,460
MERCK & CO INC COM 58933Y105   3,086,547 29,012 SH   SOLE   24,765 0 4,247
MICROSOFT CORP COM 594918104   2,713,973 9,414 SH   SOLE   6,058 0 3,356
ORACLE CORP COM 68389X105   266,959 2,873 SH   SOLE   2,873 0 0
PAYCHEX INC COM 704326107   440,080 3,840 SH   SOLE   2,240 0 1,600
PFIZER INC COM 717081103   959,803 23,525 SH   SOLE   20,341 0 3,184
ROSS STORES INC COM 778296103   3,710,919 34,966 SH   SOLE   31,166 0 3,800
SCHWAB STRATEGIC TR INTERNL DIVID 808524672   3,251,545 137,602 SH   SOLE   122,827 0 14,775
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,671,456 53,452 SH   SOLE   47,677 0 5,775
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   15,027,318 205,403 SH   SOLE   181,934 0 23,469
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,606,521 74,561 SH   SOLE   61,911 0 12,650
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   510,258 7,520 SH   SOLE   5,391 0 2,129
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,085,895 25,898 SH   SOLE   23,689 0 2,209
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   221,611 7,156 SH   SOLE   6,556 0 600
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   337,390 736 SH   SOLE   736 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   248,555 6,104 SH   SOLE   6,104 0 0
SPDR SER TR RUSSELL LOW VOL 78468R754   3,173,860 30,054 SH   SOLE   23,741 0 6,313
SPDR SER TR S&P DIVID ETF 78464A763   701,487 5,670 SH   SOLE   4,355 0 1,315
SPDR SER TR SSGA US LRG ETF 78468R804   555,008 4,057 SH   SOLE   2,889 0 1,168
SPDR SER TR SSGA US SMAL ETF 78468R887   892,311 8,488 SH   SOLE   6,958 0 1,530
STATE STR CORP COM 857477103   1,026,812 13,566 SH   SOLE   12,374 0 1,192
TCW STRATEGIC INCOME FD INC COM 872340104   5,717,659 1,221,722 SH   SOLE   1,109,349 0 112,373
TJX COS INC NEW COM 872540109   703,063 8,972 SH   SOLE   6,522 0 2,450
URSTADT BIDDLE PPTYS INC CL A 917286205   3,126,590 177,950 SH   SOLE   158,984 0 18,966
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   2,006,150 21,176 SH   SOLE   19,329 0 1,847
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,642,825 34,630 SH   SOLE   31,595 0 3,035
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,641,614 4,365 SH   SOLE   4,143 0 222
VANGUARD INDEX FDS SM CP VAL ETF 922908611   5,463,794 34,415 SH   SOLE   31,485 0 2,930
VANGUARD INDEX FDS SMALL CP ETF 922908751   271,732 1,433 SH   SOLE   1,433 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   685,865 3,360 SH   SOLE   3,360 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   201,488 1,459 SH   SOLE   1,259 0 200
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   231,641 3,683 SH   SOLE   3,531 0 152
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   294,710 6,524 SH   SOLE   6,248 0 276
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   203,443 1,928 SH   SOLE   1,928 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   1,262,335 17,133 SH   SOLE   16,181 0 952
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   384,679 1,613 SH   SOLE   1,319 0 294
VIATRIS INC COM 92556V106   200,871 20,881 SH   SOLE   18,218 0 2,663
VICTORY PORTFOLIOS II VCSHS US SMCP HG 92647N873   513,879 9,901 SH   SOLE   9,022 0 879
VISA INC COM CL A 92826C839   7,946,815 35,247 SH   SOLE   29,608 0 5,639
WILLIAMS SONOMA INC COM 969904101   690,277 5,674 SH   SOLE   4,805 0 869
WISDOMTREE TR DYNAMIC INT EQ 97717X271   1,080,498 34,215 SH   SOLE   29,692 0 4,523
WISDOMTREE TR ITL HDG QTLY DIV 97717X594   8,035,435 203,842 SH   SOLE   184,872 0 18,970
WISDOMTREE TR US MIDCAP DIVID 97717W505   399,893 9,758 SH   SOLE   3,008 0 6,750