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 BBG001S5T7X2 1,187,868 11,868 SH   SOLE   0 0 11,868
ABBOTT LABS COM 002824100 BBG001S5N9M6 473,038 4,339 SH   SOLE   0 0 4,339
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 947,471 7,032 SH   SOLE   0 0 7,032
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 BBG001T79CF8 1,870,199 21,556 SH   SOLE   0 0 21,556
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 662,092 1,354 SH   SOLE   0 0 1,354
ALBEMARLE CORP COM 012653101 BBG001S7SBP9 388,177 1,740 SH   SOLE   0 0 1,740
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 3,449,515 28,818 SH   SOLE   0 0 28,818
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 2,756,906 22,790 SH   SOLE   0 0 22,790
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 734,857 16,222 SH   SOLE   0 0 16,222
AMAZON COM INC COM 023135106 BBG001S5PQL7 3,342,300 25,639 SH   SOLE   0 0 25,639
AMGEN INC COM 031162100 BBG001S5NNL6 491,330 2,213 SH   SOLE   0 0 2,213
APPLE INC COM 037833100 BBG001S5N8V8 13,465,783 69,422 SH   SOLE   0 0 69,422
AT&T INC COM 00206R102 BBG001S5VWH2 497,624 31,199 SH   SOLE   0 0 31,199
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 1,774,763 61,860 SH   SOLE   0 0 61,860
BARRICK GOLD CORP COM 067901108 BBG001S5N9P3 297,494 17,572 SH   SOLE   0 0 17,572
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,663,210 7,810 SH   SOLE   0 0 7,810
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109 BBG004H65YJ9 189,014 17,550 SH   SOLE   0 0 17,550
BOEING CO COM 097023105 BBG001S5P0V3 844,007 3,997 SH   SOLE   0 0 3,997
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 404,804 6,330 SH   SOLE   0 0 6,330
BROADCOM INC COM 11135F101 BBG00KHY5SY8 240,278 277 SH   SOLE   0 0 277
CATERPILLAR INC COM 149123101 BBG001S5PJ06 2,302,044 9,356 SH   SOLE   0 0 9,356
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 3,658,860 23,253 SH   SOLE   0 0 23,253
CISCO SYS INC COM 17275R102 BBG001S6HC62 1,300,433 25,134 SH   SOLE   0 0 25,134
COCA COLA CO COM 191216100 BBG001S5SMQ8 218,298 3,625 SH   SOLE   0 0 3,625
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 858,755 20,668 SH   SOLE   0 0 20,668
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 451,891 839 SH   SOLE   0 0 839
CROWN CASTLE INC COM 22822V101 BBG001S7W5T3 226,968 1,992 SH   SOLE   0 0 1,992
CUMMINS INC COM 231021106 BBG001S5Q9M3 815,157 3,325 SH   SOLE   0 0 3,325
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 375,445 5,431 SH   SOLE   0 0 5,431
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 5,439,338 99,258 SH   SOLE   0 0 99,258
DISNEY WALT CO COM 254687106 BBG001S5QHF3 527,109 5,904 SH   SOLE   0 0 5,904
EDISON INTL COM 281020107 BBG001S7MY75 570,671 8,217 SH   SOLE   0 0 8,217
ENBRIDGE INC COM 29250N105 BBG001S6Q6D7 2,176,990 58,600 SH   SOLE   0 0 58,600
ENTERPRISE PRODS PARTNERS L COM 293792107 BBG001S9P0Z1 2,610,178 99,058 SH   SOLE   0 0 99,058
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 3,835,367 35,761 SH   SOLE   0 0 35,761
FEDEX CORP COM 31428X106 BBG001S5R3M5 607,851 2,452 SH   SOLE   0 0 2,452
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 BBG005FHW240 227,100 5,000 SH   SOLE   0 0 5,000
FIRST FNDTN INC COM 32026V104 BBG001V9VY13 493,495 124,306 SH   SOLE   0 0 124,306
FORTINET INC COM 34959E109 BBG001S77BL6 741,160 9,805 SH   SOLE   0 0 9,805
FREEPORT-MCMORAN INC CL B 35671D857 BBG001S5R3F3 309,960 7,749 SH   SOLE   0 0 7,749
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 245,916 1,143 SH   SOLE   0 0 1,143
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 218,185 2,831 SH   SOLE   0 0 2,831
GLACIER BANCORP INC NEW COM 37637Q105 BBG001S6HGM5 579,762 18,600 SH   SOLE   0 0 18,600
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 204,468 10,545 SH   SOLE   0 0 10,545
HOME DEPOT INC COM 437076102 BBG001S5RTW7 895,288 2,882 SH   SOLE   0 0 2,882
INTEL CORP COM 458140100 BBG001S5SF65 532,833 15,934 SH   SOLE   0 0 15,934
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 3,757,251 28,079 SH   SOLE   0 0 28,079
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 BBG002DJ8H94 527,083 22,410 SH   SOLE   0 0 22,410
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 688,968 1,865 SH   SOLE   0 0 1,865
ISHARES SILVER TR ISHARES 46428Q109 BBG001SQLN69 207,354 9,926 SH   SOLE   0 0 9,926
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 7,180,432 73,570 SH   SOLE   0 0 73,570
ISHARES TR CORE HIGH DV ETF 46429B663 BBG001V0XLT8 218,009 2,163 SH   SOLE   0 0 2,163
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 242,325 3,590 SH   SOLE   0 0 3,590
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 2,912,103 11,137 SH   SOLE   0 0 11,137
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,265,455 12,699 SH   SOLE   0 0 12,699
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5,098,477 11,439 SH   SOLE   0 0 11,439
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 1,136,810 11,915 SH   SOLE   0 0 11,915
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 935,831 19,122 SH   SOLE   0 0 19,122
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 3,338,785 34,258 SH   SOLE   0 0 34,258
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 201,985 2,786 SH   SOLE   0 0 2,786
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 758,239 5,622 SH   SOLE   0 0 5,622
ISHARES TR MSCI USA VALUE 46432F388 BBG004FPWGT7 672,662 7,172 SH   SOLE   0 0 7,172
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 335,879 3,147 SH   SOLE   0 0 3,147
ISHARES TR NEW YORK MUN ETF 464288323 BBG001T03XV5 224,065 4,207 SH   SOLE   0 0 4,207
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 8,158,261 29,647 SH   SOLE   0 0 29,647
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 251,878 1,345 SH   SOLE   0 0 1,345
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 6,234,461 56,446 SH   SOLE   0 0 56,446
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,089,507 10,472 SH   SOLE   0 0 10,472
ISHARES TR U.S. ENERGY ETF 464287796 BBG001SFGXW8 211,158 4,929 SH   SOLE   0 0 4,929
ISHARES TR US AER DEF ETF 464288760 BBG001SC08P5 1,033,930 8,862 SH   SOLE   0 0 8,862
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 2,304,349 13,922 SH   SOLE   0 0 13,922
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 3,374,499 23,202 SH   SOLE   0 0 23,202
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 300,004 2,173 SH   SOLE   0 0 2,173
KINDER MORGAN INC DEL COM 49456B101 BBG001TG2YZ5 479,370 27,838 SH   SOLE   0 0 27,838
KLA CORP COM NEW 482480100 BBG001S5SLM4 362,310 747 SH   SOLE   0 0 747
LILLY ELI & CO COM 532457108 BBG001S5STL8 594,667 1,268 SH   SOLE   0 0 1,268
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 577,153 1,254 SH   SOLE   0 0 1,254
LOWES COS INC COM 548661107 BBG001S5SVL3 269,034 1,192 SH   SOLE   0 0 1,192
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 BBG001T8LMY9 332,241 3,618 SH   SOLE   0 0 3,618
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 395,660 1,006 SH   SOLE   0 0 1,006
MCDONALDS CORP COM 580135101 BBG001S5T110 608,679 2,040 SH   SOLE   0 0 2,040
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 206,859 2,348 SH   SOLE   0 0 2,348
MERCK & CO INC COM 58933Y105 BBG001S5TC52 9,618,564 83,357 SH   SOLE   0 0 83,357
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 2,271,447 7,915 SH   SOLE   0 0 7,915
MICROSOFT CORP COM 594918104 BBG001S5TD05 6,394,320 18,777 SH   SOLE   0 0 18,777
NETFLIX INC COM 64110L106 BBG001SF6L46 720,642 1,636 SH   SOLE   0 0 1,636
NEWMONT CORP COM 651639106 BBG001S5TKX3 327,927 7,687 SH   SOLE   0 0 7,687
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 630,626 8,499 SH   SOLE   0 0 8,499
NIKE INC CL B 654106103 BBG001S6NTK2 374,485 3,393 SH   SOLE   0 0 3,393
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 222,516 1,375 SH   SOLE   0 0 1,375
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 828,273 1,958 SH   SOLE   0 0 1,958
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 954,330 3,735 SH   SOLE   0 0 3,735
PAYCHEX INC COM 704326107 BBG001S5V135 233,696 2,089 SH   SOLE   0 0 2,089
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 235,290 3,526 SH   SOLE   0 0 3,526
PEPSICO INC COM 713448108 BBG001S695T1 947,586 5,116 SH   SOLE   0 0 5,116
PFIZER INC COM 717081103 BBG001S5V466 2,006,213 54,695 SH   SOLE   0 0 54,695
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 4,724,683 95,622 SH   SOLE   0 0 95,622
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 1,425,447 14,602 SH   SOLE   0 0 14,602
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201 BBG011RJST56 224,246 6,580 SH   SOLE   0 0 6,580
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 784,951 5,173 SH   SOLE   0 0 5,173
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 212,874 3,400 SH   SOLE   0 0 3,400
QUALCOMM INC COM 747525103 BBG001S6VS70 1,298,369 10,907 SH   SOLE   0 0 10,907
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 692,871 7,073 SH   SOLE   0 0 7,073
SALESFORCE INC COM 79466L302 BBG001SDLP09 611,809 2,896 SH   SOLE   0 0 2,896
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 497,877 8,784 SH   SOLE   0 0 8,784
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 11,035,814 309,560 SH   SOLE   0 0 309,560
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 18,501,585 375,438 SH   SOLE   0 0 375,438
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 34,309,970 713,899 SH   SOLE   0 0 713,899
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 4,995,809 68,794 SH   SOLE   0 0 68,794
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 24,585,099 328,020 SH   SOLE   0 0 328,020
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 2,234,603 114,419 SH   SOLE   0 0 114,419
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 329,069 7,513 SH   SOLE   0 0 7,513
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 376,385 4,637 SH   SOLE   0 0 4,637
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 545,388 4,109 SH   SOLE   0 0 4,109
SOUTHERN CO COM 842587107 BBG001S5W777 276,785 3,940 SH   SOLE   0 0 3,940
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 1,001,971 19,228 SH   SOLE   0 0 19,228
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 362,469 2,957 SH   SOLE   0 0 2,957
STARBUCKS CORP COM 855244109 BBG001S72KH6 798,534 8,061 SH   SOLE   0 0 8,061
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 563,840 5,587 SH   SOLE   0 0 5,587
TARGET CORP COM 87612E106 BBG001SC0K41 286,223 2,170 SH   SOLE   0 0 2,170
TESLA INC COM 88160R101 BBG001SQKGD7 673,272 2,572 SH   SOLE   0 0 2,572
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 339,698 1,887 SH   SOLE   0 0 1,887
TRUIST FINL CORP COM 89832Q109 BBG001S5YYC0 499,349 16,453 SH   SOLE   0 0 16,453
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 543,899 12,599 SH   SOLE   0 0 12,599
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 750,828 14,403 SH   SOLE   0 0 14,403
UNION PAC CORP COM 907818108 BBG001S5X2M0 318,798 1,558 SH   SOLE   0 0 1,558
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 321,037 1,791 SH   SOLE   0 0 1,791
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,129,023 2,349 SH   SOLE   0 0 2,349
VALLEY NATL BANCORP COM 919794107 BBG001S7H654 658,494 84,967 SH   SOLE   0 0 84,967
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 19,124,651 253,072 SH   SOLE   0 0 253,072
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 5,727,683 26,016 SH   SOLE   0 0 26,016
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 295,278 725 SH   SOLE   0 0 725
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,357,877 10,704 SH   SOLE   0 0 10,704
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 20,953,071 147,453 SH   SOLE   0 0 147,453
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 6,118,435 150,404 SH   SOLE   0 0 150,404
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,852,867 36,895 SH   SOLE   0 0 36,895
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 7,155,297 90,539 SH   SOLE   0 0 90,539
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 4,213,109 25,938 SH   SOLE   0 0 25,938
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 256,530 5,555 SH   SOLE   0 0 5,555
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 2,829,860 45,445 SH   SOLE   0 0 45,445
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 280,545 4,439 SH   SOLE   0 0 4,439
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 410,708 2,625 SH   SOLE   0 0 2,625
VANGUARD WORLD FDS ENERGY ETF 92204A306 BBG001SHTV45 225,780 2,000 SH   SOLE   0 0 2,000
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 935,700 25,160 SH   SOLE   0 0 25,160
VISA INC COM CL A 92826C839 BBG001SRCFY3 554,991 2,337 SH   SOLE   0 0 2,337
WALMART INC COM 931142103 BBG001S5XH92 1,949,662 12,404 SH   SOLE   0 0 12,404
WISDOMTREE TR JAPN HEDGE EQT 97717W851 BBG001SHL470 405,927 4,876 SH   SOLE   0 0 4,876
WP CAREY INC COM 92936U109 BBG001S67MM3 907,466 13,432 SH   SOLE   0 0 13,432