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 1,471 9,878 SH   SOLE   0 0 9,878
ABBOTT LABS COM 002824100 666 5,624 SH   SOLE   0 0 5,624
ABBVIE INC COM 00287Y109 2,017 12,441 SH   SOLE   0 0 12,441
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 2,356 24,519 SH   SOLE   0 0 24,519
ACTIVISION BLIZZARD INC COM 00507V109 337 4,210 SH   SOLE   0 0 4,210
ALLSTATE CORP COM 020002101 238 1,717 SH   SOLE   0 0 1,717
ALPHABET INC CAP STK CL A 02079K305 3,705 1,332 SH   SOLE   0 0 1,332
ALPHABET INC CAP STK CL C 02079K107 3,056 1,094 SH   SOLE   0 0 1,094
ALTRIA GROUP INC COM 02209S103 346 6,626 SH   SOLE   0 0 6,626
AMAZON COM INC COM 023135106 4,306 1,321 SH   SOLE   0 0 1,321
AMGEN INC COM 031162100 596 2,463 SH   SOLE   0 0 2,463
APPLE INC COM 037833100 12,927 74,034 SH   SOLE   0 0 74,034
AT&T INC COM 00206R102 734 31,080 SH   SOLE   0 0 31,080
BCE INC COM NEW 05534B760 214 3,851 SH   SOLE   0 0 3,851
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,414 6,839 SH   SOLE   0 0 6,839
BK OF AMERICA CORP COM 060505104 1,800 43,670 SH   SOLE   0 0 43,670
BLACKROCK INC COM 09247X101 280 366 SH   SOLE   0 0 366
BLOOM ENERGY CORP COM CL A 093712107 424 17,576 SH   SOLE   0 0 17,576
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109 475 38,250 SH   SOLE   0 0 38,250
BOEING CO COM 097023105 713 3,725 SH   SOLE   0 0 3,725
BRISTOL-MYERS SQUIBB CO COM 110122108 462 6,330 SH   SOLE   0 0 6,330
CATERPILLAR INC COM 149123101 2,375 10,657 SH   SOLE   0 0 10,657
CHEVRON CORP NEW COM 166764100 3,796 23,310 SH   SOLE   0 0 23,310
CISCO SYS INC COM 17275R102 1,523 27,312 SH   SOLE   0 0 27,312
COCA COLA CO COM 191216100 259 4,171 SH   SOLE   0 0 4,171
COSTCO WHSL CORP NEW COM 22160K105 591 1,027 SH   SOLE   0 0 1,027
CVS HEALTH CORP COM 126650100 1,192 11,782 SH   SOLE   0 0 11,782
DISNEY WALT CO COM 254687106 1,020 7,436 SH   SOLE   0 0 7,436
DOW INC COM 260557103 354 5,555 SH   SOLE   0 0 5,555
EDISON INTL COM 281020107 533 7,597 SH   SOLE   0 0 7,597
ENBRIDGE INC COM 29250N105 3,199 69,416 SH   SOLE   0 0 69,416
ENTERPRISE PRODS PARTNERS L COM 293792107 1,790 69,350 SH   SOLE   0 0 69,350
EOG RES INC COM 26875P101 216 1,809 SH   SOLE   0 0 1,809
EXXON MOBIL CORP COM 30231G102 2,795 33,839 SH   SOLE   0 0 33,839
FEDEX CORP COM 31428X106 593 2,562 SH   SOLE   0 0 2,562
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 229 5,000 SH   SOLE   0 0 5,000
FIRST FNDTN INC COM 32026V104 2,360 97,175 SH   SOLE   0 0 97,175
FORTINET INC COM 34959E109 554 1,620 SH   SOLE   0 0 1,620
GENERAL DYNAMICS CORP COM 369550108 247 1,025 SH   SOLE   0 0 1,025
GILEAD SCIENCES INC COM 375558103 334 5,626 SH   SOLE   0 0 5,626
GLACIER BANCORP INC NEW COM 37637Q105 1,136 22,600 SH   SOLE   0 0 22,600
GLOBAL X FDS US PFD ETF 37954Y657 1,291 54,950 SH   SOLE   0 0 54,950
HOME DEPOT INC COM 437076102 1,009 3,370 SH   SOLE   0 0 3,370
INTEL CORP COM 458140100 1,813 36,572 SH   SOLE   0 0 36,572
INTERNATIONAL BUSINESS MACHS COM 459200101 3,897 29,973 SH   SOLE   0 0 29,973
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 299 11,604 SH   SOLE   0 0 11,604
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 270 19,909 SH   SOLE   0 0 19,909
INVESCO QQQ TR UNIT SER 1 46090E103 769 2,120 SH   SOLE   0 0 2,120
ISHARES INC ESG AWR MSCI EM 46434G863 1,805 49,153 SH   SOLE   0 0 49,153
ISHARES SILVER TR ISHARES 46428Q109 227 9,926 SH   SOLE   0 0 9,926
ISHARES TR 0-5 YR TIPS ETF 46429B747 491 4,678 SH   SOLE   0 0 4,678
ISHARES TR 10-20 YR TRS ETF 464288653 2,950 21,914 SH   SOLE   0 0 21,914
ISHARES TR 3 7 YR TREAS BD 464288661 814 6,671 SH   SOLE   0 0 6,671
ISHARES TR BARCLAYS 7 10 YR 464287440 219 2,040 SH   SOLE   0 0 2,040
ISHARES TR CORE MSCI EAFE 46432F842 1,768 25,442 SH   SOLE   0 0 25,442
ISHARES TR CORE S&P MCP ETF 464287507 3,541 13,196 SH   SOLE   0 0 13,196
ISHARES TR CORE S&P SCP ETF 464287804 3,781 35,051 SH   SOLE   0 0 35,051
ISHARES TR CORE S&P500 ETF 464287200 5,642 12,436 SH   SOLE   0 0 12,436
ISHARES TR CORE TOTAL USD 46434V613 13,266 267,288 SH   SOLE   0 0 267,288
ISHARES TR EAFE GRWTH ETF 464288885 9,719 100,953 SH   SOLE   0 0 100,953
ISHARES TR EAFE VALUE ETF 464288877 9,398 186,986 SH   SOLE   0 0 186,986
ISHARES TR ESG AWR MSCI USA 46435G425 22,367 220,686 SH   SOLE   0 0 220,686
ISHARES TR FALN ANGLS USD 46435G474 9,827 354,008 SH   SOLE   0 0 354,008
ISHARES TR GLOBAL FINLS ETF 464287333 1,776 22,351 SH   SOLE   0 0 22,351
ISHARES TR GLOBAL TECH ETF 464287291 1,067 18,396 SH   SOLE   0 0 18,396
ISHARES TR IBOXX INV CP ETF 464287242 266 2,197 SH   SOLE   0 0 2,197
ISHARES TR ISHS 1-5YR INVS 464288646 1,202 23,246 SH   SOLE   0 0 23,246
ISHARES TR ISHS 5-10YR INVT 464288638 366 6,669 SH   SOLE   0 0 6,669
ISHARES TR JPMORGAN USD EMG 464288281 392 4,012 SH   SOLE   0 0 4,012
ISHARES TR MBS ETF 464288588 6,977 68,488 SH   SOLE   0 0 68,488
ISHARES TR MSCI EAFE ETF 464287465 205 2,786 SH   SOLE   0 0 2,786
ISHARES TR MSCI EAFE MIN VL 46429B689 2,282 31,631 SH   SOLE   0 0 31,631
ISHARES TR MSCI USA MIN VOL 46429B697 1,596 20,574 SH   SOLE   0 0 20,574
ISHARES TR MSCI USA QLT FCT 46432F339 954 7,089 SH   SOLE   0 0 7,089
ISHARES TR MSCI USA VALUE 46432F388 5,037 48,171 SH   SOLE   0 0 48,171
ISHARES TR NATIONAL MUN ETF 464288414 485 4,424 SH   SOLE   0 0 4,424
ISHARES TR NEW YORK MUN ETF 464288323 229 4,207 SH   SOLE   0 0 4,207
ISHARES TR RUS 1000 GRW ETF 464287614 9,166 33,016 SH   SOLE   0 0 33,016
ISHARES TR RUS 1000 VAL ETF 464287598 260 1,564 SH   SOLE   0 0 1,564
ISHARES TR RUSSELL 2000 ETF 464287655 276 1,345 SH   SOLE   0 0 1,345
ISHARES TR SHRT NAT MUN ETF 464288158 2,159 20,636 SH   SOLE   0 0 20,636
ISHARES TR TIPS BD ETF 464287176 395 3,171 SH   SOLE   0 0 3,171
ISHARES TR U.S. ENERGY ETF 464287796 657 16,047 SH   SOLE   0 0 16,047
ISHARES TR U.S. MED DVC ETF 464288810 295 4,843 SH   SOLE   0 0 4,843
ISHARES TR U.S. TECH ETF 464287721 2,285 22,174 SH   SOLE   0 0 22,174
ISHARES TR US AER DEF ETF 464288760 1,065 9,612 SH   SOLE   0 0 9,612
ISHARES TR US TREAS BD ETF 46429B267 10,993 441,291 SH   SOLE   0 0 441,291
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 347 6,994 SH   SOLE   0 0 6,994
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 4,860 121,345 SH   SOLE   0 0 121,345
JOHNSON & JOHNSON COM 478160104 3,022 17,053 SH   SOLE   0 0 17,053
JPMORGAN CHASE & CO COM 46625H100 3,314 24,308 SH   SOLE   0 0 24,308
KIMBERLY-CLARK CORP COM 494368103 234 1,900 SH   SOLE   0 0 1,900
KINDER MORGAN INC DEL COM 49456B101 322 17,038 SH   SOLE   0 0 17,038
KLA CORP COM NEW 482480100 220 600 SH   SOLE   0 0 600
LILLY ELI & CO COM 532457108 505 1,763 SH   SOLE   0 0 1,763
LOCKHEED MARTIN CORP COM 539830109 438 992 SH   SOLE   0 0 992
LOWES COS INC COM 548661107 265 1,310 SH   SOLE   0 0 1,310
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 1,051 21,413 SH   SOLE   0 0 21,413
MASTERCARD INCORPORATED CL A 57636Q104 563 1,574 SH   SOLE   0 0 1,574
MCDONALDS CORP COM 580135101 628 2,541 SH   SOLE   0 0 2,541
MEDTRONIC PLC SHS G5960L103 220 1,980 SH   SOLE   0 0 1,980
MERCK & CO INC COM 58933Y105 6,994 85,239 SH   SOLE   0 0 85,239
META PLATFORMS INC CL A 30303M102 1,579 7,100 SH   SOLE   0 0 7,100
MICROSOFT CORP COM 594918104 6,768 21,952 SH   SOLE   0 0 21,952
NETFLIX INC COM 64110L106 641 1,711 SH   SOLE   0 0 1,711
NEWMONT CORP COM 651639106 1,113 14,009 SH   SOLE   0 0 14,009
NEXTERA ENERGY INC COM 65339F101 681 8,040 SH   SOLE   0 0 8,040
NVIDIA CORPORATION COM 67066G104 922 3,379 SH   SOLE   0 0 3,379
PALO ALTO NETWORKS INC COM 697435105 736 1,183 SH   SOLE   0 0 1,183
PAYCHEX INC COM 704326107 273 2,000 SH   SOLE   0 0 2,000
PAYPAL HLDGS INC COM 70450Y103 348 3,012 SH   SOLE   0 0 3,012
PEPSICO INC COM 713448108 216 1,293 SH   SOLE   0 0 1,293
PFIZER INC COM 717081103 3,558 68,724 SH   SOLE   0 0 68,724
PHILIP MORRIS INTL INC COM 718172109 1,302 13,857 SH   SOLE   0 0 13,857
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201 531 15,430 SH   SOLE   0 0 15,430
PROCTER AND GAMBLE CO COM 742718109 849 5,554 SH   SOLE   0 0 5,554
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 238 3,400 SH   SOLE   0 0 3,400
QUALCOMM INC COM 747525103 1,266 8,286 SH   SOLE   0 0 8,286
RAYTHEON TECHNOLOGIES CORP COM 75513E101 671 6,771 SH   SOLE   0 0 6,771
REALTY INCOME CORP COM 756109104 432 6,232 SH   SOLE   0 0 6,232
SALESFORCE COM INC COM 79466L302 943 4,443 SH   SOLE   0 0 4,443
SCHWAB CHARLES CORP COM 808513105 228 2,707 SH   SOLE   0 0 2,707
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 8,760 180,398 SH   SOLE   0 0 180,398
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 749 26,963 SH   SOLE   0 0 26,963
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 6,360 119,443 SH   SOLE   0 0 119,443
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3,042 61,408 SH   SOLE   0 0 61,408
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 7,410 146,538 SH   SOLE   0 0 146,538
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 6,488 82,239 SH   SOLE   0 0 82,239
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,311 69,910 SH   SOLE   0 0 69,910
SCHWAB STRATEGIC TR US TIPS ETF 808524870 12,472 205,441 SH   SOLE   0 0 205,441
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,923 38,240 SH   SOLE   0 0 38,240
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 563 4,109 SH   SOLE   0 0 4,109
SOUTHERN CO COM 842587107 286 3,940 SH   SOLE   0 0 3,940
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 413 1,191 SH   SOLE   0 0 1,191
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,663 3,683 SH   SOLE   0 0 3,683
SPDR SER TR NUVEEN BLMBRG SH 78468R739 208 4,400 SH   SOLE   0 0 4,400
SPDR SER TR PORTFOLIO S&P500 78464A854 17,969 338,209 SH   SOLE   0 0 338,209
SPDR SER TR S&P DIVID ETF 78464A763 379 2,957 SH   SOLE   0 0 2,957
STARBUCKS CORP COM 855244109 837 9,206 SH   SOLE   0 0 9,206
TARGET CORP COM 87612E106 226 1,065 SH   SOLE   0 0 1,065
TEXAS INSTRS INC COM 882508104 282 1,536 SH   SOLE   0 0 1,536
TRUIST FINL CORP COM 89832Q109 980 17,277 SH   SOLE   0 0 17,277
UBER TECHNOLOGIES INC COM 90353T100 246 6,895 SH   SOLE   0 0 6,895
UNITEDHEALTH GROUP INC COM 91324P102 1,597 3,132 SH   SOLE   0 0 3,132
US BANCORP DEL COM NEW 902973304 332 6,238 SH   SOLE   0 0 6,238
VALLEY NATL BANCORP COM 919794107 807 62,003 SH   SOLE   0 0 62,003
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 234 3,000 SH   SOLE   0 0 3,000
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 463 5,824 SH   SOLE   0 0 5,824
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 529 1,275 SH   SOLE   0 0 1,275
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,367 10,396 SH   SOLE   0 0 10,396
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,186 23,165 SH   SOLE   0 0 23,165
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 973 12,456 SH   SOLE   0 0 12,456
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,283 38,744 SH   SOLE   0 0 38,744
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 334 6,952 SH   SOLE   0 0 6,952
VANGUARD WORLD FD MEGA CAP INDEX 921910873 417 2,625 SH   SOLE   0 0 2,625
VANGUARD WORLD FDS ENERGY ETF 92204A306 214 2,000 SH   SOLE   0 0 2,000
VERIZON COMMUNICATIONS INC COM 92343V104 1,412 27,710 SH   SOLE   0 0 27,710
VISA INC COM CL A 92826C839 537 2,420 SH   SOLE   0 0 2,420
WALMART INC COM 931142103 1,977 13,272 SH   SOLE   0 0 13,272
WISDOMTREE TR EM EX ST-OWNED 97717X578 2,808 85,980 SH   SOLE   0 0 85,980
WISDOMTREE TR JAPN HEDGE EQT 97717W851 312 4,876 SH   SOLE   0 0 4,876
WP CAREY INC COM 92936U109 1,571 19,438 SH   SOLE   0 0 19,438