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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 980 5,554 SH   SOLE   0 0 5,554
ABBOTT LABS COM 002824100 498 5,730 SH   SOLE   0 0 5,730
ABBVIE INC COM 00287Y109 507 5,726 SH   SOLE   0 0 5,726
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 10,140 132,724 SH   SOLE   0 0 132,724
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 653 3,078 SH   SOLE   0 0 3,078
ALLSTATE CORP COM 020002101 266 2,367 SH   SOLE   0 0 2,367
ALPHABET INC CAP STK CL A 02079K305 1,297 968 SH   SOLE   0 0 968
ALPHABET INC CAP STK CL C 02079K107 1,058 791 SH   SOLE   0 0 791
ALTRIA GROUP INC COM 02209S103 529 10,596 SH   SOLE   0 0 10,596
AMAZON COM INC COM 023135106 1,336 723 SH   SOLE   0 0 723
AMERICA FIRST MULTIFAMILY IN BEN UNIT CTF 02364V107 280 36,360 SH   SOLE   0 0 36,360
AMGEN INC COM 031162100 661 2,744 SH   SOLE   0 0 2,744
APPLE INC COM 037833100 6,929 23,595 SH   SOLE   0 0 23,595
AT&T INC COM 00206R102 2,596 66,430 SH   SOLE   0 0 66,430
BAIDU INC SPON ADR REP A 056752108 468 3,702 SH   SOLE   0 0 3,702
BANK AMER CORP COM 060505104 1,180 33,503 SH   SOLE   0 0 33,503
BCE INC COM NEW 05534B760 272 5,876 SH   SOLE   0 0 5,876
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,393 6,151 SH   SOLE   0 0 6,151
BLACKROCK INC COM 09247X101 303 602 SH   SOLE   0 0 602
BLOOM ENERGY CORP COM CL A 093712107 119 15,950 SH   SOLE   0 0 15,950
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109 956 65,500 SH   SOLE   0 0 65,500
BOEING CO COM 097023105 1,370 4,207 SH   SOLE   0 0 4,207
BRISTOL MYERS SQUIBB CO COM 110122108 406 6,330 SH   SOLE   0 0 6,330
CATERPILLAR INC DEL COM 149123101 1,597 10,817 SH   SOLE   0 0 10,817
CHEVRON CORP NEW COM 166764100 1,224 10,155 SH   SOLE   0 0 10,155
CISCO SYS INC COM 17275R102 471 9,819 SH   SOLE   0 0 9,819
CITIGROUP INC COM NEW 172967424 385 4,820 SH   SOLE   0 0 4,820
COCA COLA CO COM 191216100 222 4,008 SH   SOLE   0 0 4,008
COSTCO WHSL CORP NEW COM 22160K105 253 862 SH   SOLE   0 0 862
DELTA AIR LINES INC DEL COM NEW 247361702 439 7,515 SH   SOLE   0 0 7,515
DISNEY WALT CO COM DISNEY 254687106 654 4,524 SH   SOLE   0 0 4,524
DOMINION ENERGY INC COM 25746U109 250 3,020 SH   SOLE   0 0 3,020
ENBRIDGE INC COM 29250N105 1,599 40,203 SH   SOLE   0 0 40,203
ENTERPRISE PRODS PARTNERS L COM 293792107 1,611 57,194 SH   SOLE   0 0 57,194
EXXON MOBIL CORP COM 30231G102 735 10,533 SH   SOLE   0 0 10,533
FACEBOOK INC CL A 30303M102 1,021 4,973 SH   SOLE   0 0 4,973
FEDEX CORP COM 31428X106 344 2,276 SH   SOLE   0 0 2,276
FIDELITY COVINGTON TR MSCI HLTH CARE I 316092600 280 5,623 SH   SOLE   0 0 5,623
FIRST FNDTN INC COM 32026V104 2,125 122,146 SH   SOLE   0 0 122,146
FORTINET INC COM 34959E109 221 2,070 SH   SOLE   0 0 2,070
FULTON FINL CORP PA COM 360271100 221 12,686 SH   SOLE   0 0 12,686
GENERAL MTRS CO COM 37045V100 213 5,828 SH   SOLE   0 0 5,828
GLACIER BANCORP INC NEW COM 37637Q105 1,025 22,289 SH   SOLE   0 0 22,289
GLOBAL X FDS US PFD ETF 37954Y657 324 12,962 SH   SOLE   0 0 12,962
HOME DEPOT INC COM 437076102 633 2,900 SH   SOLE   0 0 2,900
HONEYWELL INTL INC COM 438516106 240 1,355 SH   SOLE   0 0 1,355
ING GROEP N V SPONSORED ADR 456837103 123 10,221 SH   SOLE   0 0 10,221
INTEL CORP COM 458140100 1,730 28,898 SH   SOLE   0 0 28,898
INTERNATIONAL BUSINESS MACHS COM 459200101 325 2,422 SH   SOLE   0 0 2,422
INVESCO EXCHANGE TRADED FD T S&P500 EQL FIN 46137V340 380 8,110 SH   SOLE   0 0 8,110
INVESCO EXCHNG TRADED FD TR CALIF AMT MUN 46138E206 1,470 53,770 SH   SOLE   0 0 53,770
INVESCO EXCHNG TRADED FD TR PFD ETF 46138E511 409 27,250 SH   SOLE   0 0 27,250
INVESCO EXCHNG TRADED FD TR S&P INTL LOW 46138E230 222 6,500 SH   SOLE   0 0 6,500
INVESCO QQQ TR UNIT SER 1 46090E103 682 3,206 SH   SOLE   0 0 3,206
ISHARES TR 0-5YR INVT GR CP 46434V100 401 7,863 SH   SOLE   0 0 7,863
ISHARES TR 3 7 YR TREAS BD 464288661 899 7,150 SH   SOLE   0 0 7,150
ISHARES TR BARCLAYS 7 10 YR 464287440 251 2,277 SH   SOLE   0 0 2,277
ISHARES TR CALIF MUN BD ETF 464288356 616 10,062 SH   SOLE   0 0 10,062
ISHARES TR CORE MSCI EAFE 46432F842 2,673 40,975 SH   SOLE   0 0 40,975
ISHARES TR CORE S&P MCP ETF 464287507 10,839 52,663 SH   SOLE   0 0 52,663
ISHARES TR CORE S&P SCP ETF 464287804 10,975 130,893 SH   SOLE   0 0 130,893
ISHARES TR GNMA BOND ETF 46429B333 233 4,640 SH   SOLE   0 0 4,640
ISHARES TR INTL PFD STK ETF 46429B135 162 10,510 SH   SOLE   0 0 10,510
ISHARES TR MIN VOL EAFE ETF 46429B689 14,917 200,127 SH   SOLE   0 0 200,127
ISHARES TR MSCI EAFE ETF 464287465 313 4,511 SH   SOLE   0 0 4,511
ISHARES TR NEW YORK MUN ETF 464288323 240 4,207 SH   SOLE   0 0 4,207
ISHARES TR RUS 1000 GRW ETF 464287614 18,481 105,054 SH   SOLE   0 0 105,054
ISHARES TR RUSSELL 2000 ETF 464287655 314 1,897 SH   SOLE   0 0 1,897
ISHARES TR SELECT DIVID ETF 464287168 266 2,519 SH   SOLE   0 0 2,519
JOHNSON & JOHNSON COM 478160104 1,007 6,904 SH   SOLE   0 0 6,904
JPMORGAN CHASE & CO COM 46625H100 2,408 17,271 SH   SOLE   0 0 17,271
KIMBERLY CLARK CORP COM 494368103 261 1,900 SH   SOLE   0 0 1,900
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 33 10,000 SH   SOLE   0 0 10,000
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 555 5,870 SH   SOLE   0 0 5,870
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 995 15,826 SH   SOLE   0 0 15,826
MCDONALDS CORP COM 580135101 322 1,630 SH   SOLE   0 0 1,630
MEDTRONIC PLC SHS G5960L103 330 2,911 SH   SOLE   0 0 2,911
MERCK & CO INC COM 58933Y105 4,837 53,183 SH   SOLE   0 0 53,183
MICROSOFT CORP COM 594918104 1,969 12,487 SH   SOLE   0 0 12,487
MONDELEZ INTL INC CL A 609207105 206 3,741 SH   SOLE   0 0 3,741
NETFLIX INC COM 64110L106 370 1,145 SH   SOLE   0 0 1,145
NEXTERA ENERGY INC COM 65339F101 498 2,055 SH   SOLE   0 0 2,055
NUVEEN CR STRATEGIES INCM FD COM SHS 67073D102 84 11,000 SH   SOLE   0 0 11,000
NUVEEN PFD & INCM OPPORTNYS COM 67073B106 121 11,560 SH   SOLE   0 0 11,560
NVIDIA CORP COM 67066G104 265 1,127 SH   SOLE   0 0 1,127
PACWEST BANCORP DEL COM 695263103 337 8,814 SH   SOLE   0 0 8,814
PAYCHEX INC COM 704326107 268 3,149 SH   SOLE   0 0 3,149
PAYPAL HLDGS INC COM 70450Y103 329 3,042 SH   SOLE   0 0 3,042
PFIZER INC COM 717081103 1,150 29,346 SH   SOLE   0 0 29,346
PHILIP MORRIS INTL INC COM 718172109 720 8,457 SH   SOLE   0 0 8,457
PROCTER & GAMBLE CO COM 742718109 442 3,538 SH   SOLE   0 0 3,538
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 201 3,400 SH   SOLE   0 0 3,400
QUALCOMM INC COM 747525103 665 7,540 SH   SOLE   0 0 7,540
SALESFORCE COM INC COM 79466L302 587 3,607 SH   SOLE   0 0 3,607
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7,168 261,909 SH   SOLE   0 0 261,909
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 34,243 678,356 SH   SOLE   0 0 678,356
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 20,487 353,707 SH   SOLE   0 0 353,707
SCHWAB STRATEGIC TR US TIPS ETF 808524870 203 3,577 SH   SOLE   0 0 3,577
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 430 13,961 SH   SOLE   0 0 13,961
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 271 3,329 SH   SOLE   0 0 3,329
SOUTHERN CO COM 842587107 251 3,940 SH   SOLE   0 0 3,940
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,950 6,059 SH   SOLE   0 0 6,059
SPDR SERIES TRUST BLOMBERG BRC INV 78468R200 15,889 517,063 SH   SOLE   0 0 517,063
SPDR SERIES TRUST BLOMBRG BRC EMRG 78464A391 249 8,936 SH   SOLE   0 0 8,936
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 216 4,400 SH   SOLE   0 0 4,400
SPDR SERIES TRUST S&P DIVID ETF 78464A763 469 4,357 SH   SOLE   0 0 4,357
SPDR SERIES TRUST S&P REGL BKG 78464A698 233 4,000 SH   SOLE   0 0 4,000
STARBUCKS CORP COM 855244109 711 8,086 SH   SOLE   0 0 8,086
SYSCO CORP COM 871829107 269 3,150 SH   SOLE   0 0 3,150
TRUIST FINL CORP COM 89832Q109 1,112 19,741 SH   SOLE   0 0 19,741
UNITEDHEALTH GROUP INC COM 91324P102 706 2,400 SH   SOLE   0 0 2,400
US BANCORP DEL COM NEW 902973304 341 5,757 SH   SOLE   0 0 5,757
VANGUARD GROUP DIV APP ETF 921908844 6,918 55,498 SH   SOLE   0 0 55,498
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 354 2,974 SH   SOLE   0 0 2,974
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 290 979 SH   SOLE   0 0 979
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,448 14,964 SH   SOLE   0 0 14,964
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 12,724 157,027 SH   SOLE   0 0 157,027
VENTAS INC COM 92276F100 254 4,391 SH   SOLE   0 0 4,391
VERIZON COMMUNICATIONS INC COM 92343V104 1,552 25,272 SH   SOLE   0 0 25,272
VISA INC COM CL A 92826C839 345 1,838 SH   SOLE   0 0 1,838
W P CAREY INC COM 92936U109 1,033 12,909 SH   SOLE   0 0 12,909
WALMART INC COM 931142103 1,239 10,424 SH   SOLE   0 0 10,424
WELLS FARGO CO NEW COM 949746101 715 13,298 SH   SOLE   0 0 13,298
WESTERN ASSET EMRG MKT DEBT COM 95766A101 169 11,857 SH   SOLE   0 0 11,857
WISDOMTREE TR JAPN HEDGE EQT 97717W851 316 5,874 SH   SOLE   0 0 5,874