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 BBG001S5T7X2 971,418 8,886 SH   SOLE   0 0 8,886
ABBOTT LABS COM 002824100 BBG001S5N9M6 438,409 3,983 SH   SOLE   0 0 3,983
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 1,068,112 6,892 SH   SOLE   0 0 6,892
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 BBG001T79CF8 1,515,938 16,655 SH   SOLE   0 0 16,655
ADOBE INC COM 00724F101 BBG001S5NCQ5 921,747 1,545 SH   SOLE   0 0 1,545
ALBEMARLE CORP COM 012653101 BBG001S7SBP9 599,592 4,150 SH   SOLE   0 0 4,150
ALLSTATE CORP COM 020002101 BBG001S9BM06 227,607 1,626 SH   SOLE   0 0 1,626
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 4,070,986 29,143 SH   SOLE   0 0 29,143
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 3,295,366 23,383 SH   SOLE   0 0 23,383
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 652,822 16,183 SH   SOLE   0 0 16,183
AMAZON COM INC COM 023135106 BBG001S5PQL7 4,417,959 29,077 SH   SOLE   0 0 29,077
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 216,378 1,155 SH   SOLE   0 0 1,155
AMGEN INC COM 031162100 BBG001S5NNL6 586,409 2,036 SH   SOLE   0 0 2,036
APPLE INC COM 037833100 BBG001S5N8V8 13,647,102 70,883 SH   SOLE   0 0 70,883
AT&T INC COM 00206R102 BBG001S5VWH2 435,491 25,953 SH   SOLE   0 0 25,953
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 1,466,766 43,563 SH   SOLE   0 0 43,563
BARRICK GOLD CORP COM 067901108 BBG001S5N9P3 268,817 14,860 SH   SOLE   0 0 14,860
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,905,709 8,147 SH   SOLE   0 0 8,147
BLACKROCK INC COM 09247X101 BBG001SDBP55 215,939 266 SH   SOLE   0 0 266
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109 BBG004H65YJ9 139,701 13,550 SH   SOLE   0 0 13,550
BOEING CO COM 097023105 BBG001S5P0V3 1,402,351 5,380 SH   SOLE   0 0 5,380
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 306,218 5,968 SH   SOLE   0 0 5,968
BROADCOM INC COM 11135F101 BBG00KHY5SY8 439,803 394 SH   SOLE   0 0 394
CATERPILLAR INC COM 149123101 BBG001S5PJ06 2,450,217 8,287 SH   SOLE   0 0 8,287
CENCORA INC COM 03073E105 BBG001S8X7P0 215,238 1,048 SH   SOLE   0 0 1,048
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 7,022,005 47,077 SH   SOLE   0 0 47,077
CHUBB LIMITED COM H1467J104 BBG001S8S1L3 359,566 1,591 SH   SOLE   0 0 1,591
CISCO SYS INC COM 17275R102 BBG001S6HC62 1,274,165 25,221 SH   SOLE   0 0 25,221
COCA COLA CO COM 191216100 BBG001S5SMQ8 229,827 3,900 SH   SOLE   0 0 3,900
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 917,035 20,913 SH   SOLE   0 0 20,913
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 205,560 1,771 SH   SOLE   0 0 1,771
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 737,596 1,117 SH   SOLE   0 0 1,117
CROWN CASTLE INC COM 22822V101 BBG001S7W5T3 545,309 4,734 SH   SOLE   0 0 4,734
CUMMINS INC COM 231021106 BBG001S5Q9M3 796,570 3,325 SH   SOLE   0 0 3,325
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 403,486 5,110 SH   SOLE   0 0 5,110
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 6,755,244 113,305 SH   SOLE   0 0 113,305
DISNEY WALT CO COM 254687106 BBG001S5QHF3 1,568,789 17,375 SH   SOLE   0 0 17,375
DOW INC COM 260557103 BBG00BN96931 210,640 3,841 SH   SOLE   0 0 3,841
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 373,798 3,852 SH   SOLE   0 0 3,852
EDISON INTL COM 281020107 BBG001S7MY75 587,433 8,217 SH   SOLE   0 0 8,217
ELI LILLY & CO COM 532457108 BBG001S5STL8 700,670 1,202 SH   SOLE   0 0 1,202
ENBRIDGE INC COM 29250N105 BBG001S6Q6D7 2,784,346 77,300 SH   SOLE   0 0 77,300
ENTERPRISE PRODS PARTNERS L COM 293792107 BBG001S9P0Z1 2,782,376 105,593 SH   SOLE   0 0 105,593
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 3,759,948 37,607 SH   SOLE   0 0 37,607
FEDEX CORP COM 31428X106 BBG001S5R3M5 536,802 2,122 SH   SOLE   0 0 2,122
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 BBG005FHW240 223,150 5,000 SH   SOLE   0 0 5,000
FIRST FNDTN INC COM 32026V104 BBG001V9VY13 1,229,331 126,997 SH   SOLE   0 0 126,997
FIRST TR EXCHANGE-TRADED FD NASDQ ARTFCIAL 33738R720 BBG00K4Y0TD8 264,484 5,809 SH   SOLE   0 0 5,809
FORTINET INC COM 34959E109 BBG001S77BL6 613,102 10,475 SH   SOLE   0 0 10,475
FREEPORT-MCMORAN INC CL B 35671D857 BBG001S5R3F3 321,999 7,564 SH   SOLE   0 0 7,564
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 336,532 1,296 SH   SOLE   0 0 1,296
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 229,339 2,831 SH   SOLE   0 0 2,831
GLACIER BANCORP INC NEW COM 37637Q105 BBG001S6HGM5 644,592 15,600 SH   SOLE   0 0 15,600
HOME DEPOT INC COM 437076102 BBG001S5RTW7 876,672 2,530 SH   SOLE   0 0 2,530
INTEL CORP COM 458140100 BBG001S5SF65 899,576 17,902 SH   SOLE   0 0 17,902
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 4,698,464 28,728 SH   SOLE   0 0 28,728
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449 BBG001SS30F5 245,168 2,800 SH   SOLE   0 0 2,800
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 1,053,285 2,572 SH   SOLE   0 0 2,572
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 7,507,002 135,481 SH   SOLE   0 0 135,481
ISHARES SILVER TR ISHARES 46428Q109 BBG001SQLN69 216,188 9,926 SH   SOLE   0 0 9,926
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 2,588,027 9,338 SH   SOLE   0 0 9,338
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,144,203 10,570 SH   SOLE   0 0 10,570
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5,340,381 11,181 SH   SOLE   0 0 11,181
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 305,271 3,152 SH   SOLE   0 0 3,152
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 3,233,739 30,821 SH   SOLE   0 0 30,821
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 209,925 2,786 SH   SOLE   0 0 2,786
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 742,616 5,047 SH   SOLE   0 0 5,047
ISHARES TR MSCI USA VALUE 46432F388 BBG004FPWGT7 453,399 4,482 SH   SOLE   0 0 4,482
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 337,372 3,112 SH   SOLE   0 0 3,112
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 8,613,969 28,413 SH   SOLE   0 0 28,413
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 269,955 1,345 SH   SOLE   0 0 1,345
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 209,093 936 SH   SOLE   0 0 936
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 4,435,706 40,277 SH   SOLE   0 0 40,277
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,316,504 12,487 SH   SOLE   0 0 12,487
ISHARES TR U.S. ENERGY ETF 464287796 BBG001SFGXW8 212,658 4,820 SH   SOLE   0 0 4,820
ISHARES TR US AER DEF ETF 464288760 BBG001SC08P5 1,121,929 8,862 SH   SOLE   0 0 8,862
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 2,091,519 13,344 SH   SOLE   0 0 13,344
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 3,508,313 20,625 SH   SOLE   0 0 20,625
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 264,041 2,173 SH   SOLE   0 0 2,173
KINDER MORGAN INC DEL COM 49456B101 BBG001TG2YZ5 409,566 23,218 SH   SOLE   0 0 23,218
KLA CORP COM NEW 482480100 BBG001S5SLM4 434,231 747 SH   SOLE   0 0 747
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 558,684 1,233 SH   SOLE   0 0 1,233
LOWES COS INC COM 548661107 BBG001S5SVL3 331,600 1,490 SH   SOLE   0 0 1,490
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 BBG001T8LMY9 343,999 3,618 SH   SOLE   0 0 3,618
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 634,220 1,487 SH   SOLE   0 0 1,487
MCDONALDS CORP COM 580135101 BBG001S5T110 604,804 2,040 SH   SOLE   0 0 2,040
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 318,728 3,869 SH   SOLE   0 0 3,869
MERCK & CO INC COM 58933Y105 BBG001S5TC52 9,328,950 85,571 SH   SOLE   0 0 85,571
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 2,787,435 7,875 SH   SOLE   0 0 7,875
MICROSOFT CORP COM 594918104 BBG001S5TD05 7,500,118 19,945 SH   SOLE   0 0 19,945
NETFLIX INC COM 64110L106 BBG001SF6L46 753,203 1,547 SH   SOLE   0 0 1,547
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 600,172 9,881 SH   SOLE   0 0 9,881
NIKE INC CL B 654106103 BBG001S6NTK2 368,378 3,393 SH   SOLE   0 0 3,393
NOVARTIS AG SPONSORED ADR 66987V109 BBG001SF5LW6 251,011 2,486 SH   SOLE   0 0 2,486
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 284,488 2,750 SH   SOLE   0 0 2,750
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,213,289 2,450 SH   SOLE   0 0 2,450
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 1,180,994 4,005 SH   SOLE   0 0 4,005
PAYCHEX INC COM 704326107 BBG001S5V135 248,821 2,089 SH   SOLE   0 0 2,089
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 206,952 3,370 SH   SOLE   0 0 3,370
PEPSICO INC COM 713448108 BBG001S695T1 728,783 4,291 SH   SOLE   0 0 4,291
PFIZER INC COM 717081103 BBG001S5V466 988,937 34,350 SH   SOLE   0 0 34,350
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 3,409,392 69,030 SH   SOLE   0 0 69,030
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 1,455,606 15,472 SH   SOLE   0 0 15,472
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 694,013 4,736 SH   SOLE   0 0 4,736
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 207,910 3,400 SH   SOLE   0 0 3,400
QUALCOMM INC COM 747525103 BBG001S6VS70 1,548,553 10,707 SH   SOLE   0 0 10,707
REALTY INCOME CORP COM 756109104 BBG001S884K0 219,517 3,823 SH   SOLE   0 0 3,823
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 940,853 11,182 SH   SOLE   0 0 11,182
SALESFORCE INC COM 79466L302 BBG001SDLP09 842,048 3,200 SH   SOLE   0 0 3,200
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 577,645 8,396 SH   SOLE   0 0 8,396
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 13,398,517 362,514 SH   SOLE   0 0 362,514
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 24,605,831 494,888 SH   SOLE   0 0 494,888
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 35,075,700 723,957 SH   SOLE   0 0 723,957
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 4,931,701 64,780 SH   SOLE   0 0 64,780
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 25,821,632 311,254 SH   SOLE   0 0 311,254
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 281,267 5,954 SH   SOLE   0 0 5,954
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 384,658 4,588 SH   SOLE   0 0 4,588
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 518,108 3,799 SH   SOLE   0 0 3,799
SERVICENOW INC COM 81762P102 BBG001T4JFC0 336,289 476 SH   SOLE   0 0 476
SOUTHERN CO COM 842587107 BBG001S5W777 269,261 3,840 SH   SOLE   0 0 3,840
SPDR SER TR AEROSPACE DEF 78464A631 BBG0024LG8W4 4,653,844 34,366 SH   SOLE   0 0 34,366
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 20,502,798 224,344 SH   SOLE   0 0 224,344
SPDR SER TR PORTFLI HIGH YLD 78468R606 BBG0034VNBZ2 3,116,741 133,308 SH   SOLE   0 0 133,308
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 400,300 7,161 SH   SOLE   0 0 7,161
STARBUCKS CORP COM 855244109 BBG001S72KH6 773,947 8,061 SH   SOLE   0 0 8,061
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 816,088 7,847 SH   SOLE   0 0 7,847
TARGET CORP COM 87612E106 BBG001SC0K41 227,872 1,600 SH   SOLE   0 0 1,600
TESLA INC COM 88160R101 BBG001SQKGD7 693,508 2,791 SH   SOLE   0 0 2,791
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 298,135 1,749 SH   SOLE   0 0 1,749
TRUIST FINL CORP COM 89832Q109 BBG001S5YYC0 585,883 15,869 SH   SOLE   0 0 15,869
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 627,891 10,198 SH   SOLE   0 0 10,198
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 618,702 12,762 SH   SOLE   0 0 12,762
UNION PAC CORP COM 907818108 BBG001S5X2M0 430,326 1,752 SH   SOLE   0 0 1,752
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 342,447 2,178 SH   SOLE   0 0 2,178
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 979,234 1,860 SH   SOLE   0 0 1,860
VALLEY NATL BANCORP COM 919794107 BBG001S7H654 922,742 84,967 SH   SOLE   0 0 84,967
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 317,014 4,116 SH   SOLE   0 0 4,116
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 6,915,922 29,728 SH   SOLE   0 0 29,728
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 828,610 1,897 SH   SOLE   0 0 1,897
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,533,747 10,681 SH   SOLE   0 0 10,681
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 24,171,310 161,681 SH   SOLE   0 0 161,681
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 2,028,727 39,740 SH   SOLE   0 0 39,740
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 8,096,707 99,615 SH   SOLE   0 0 99,615
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 4,393,594 25,784 SH   SOLE   0 0 25,784
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 266,085 5,555 SH   SOLE   0 0 5,555
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 3,460,350 54,280 SH   SOLE   0 0 54,280
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 444,360 2,625 SH   SOLE   0 0 2,625
VANGUARD WORLD FDS ENERGY ETF 92204A306 BBG001SHTV45 234,560 2,000 SH   SOLE   0 0 2,000
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 702,426 18,632 SH   SOLE   0 0 18,632
VISA INC COM CL A 92826C839 BBG001SRCFY3 731,844 2,811 SH   SOLE   0 0 2,811
WALMART INC COM 931142103 BBG001S5XH92 1,943,038 12,325 SH   SOLE   0 0 12,325
WISDOMTREE TR JAPN HEDGE EQT 97717W851 BBG001SHL470 428,990 4,876 SH   SOLE   0 0 4,876
WP CAREY INC COM 92936U109 BBG001S67MM3 683,746 10,550 SH   SOLE   0 0 10,550