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 902,231 8,506 SH   SOLE   0 0 8,506
ABBOTT LABS COM 002824100 BBG001S5N9M6 452,708 3,983 SH   SOLE   0 0 3,983
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 1,230,519 6,757 SH   SOLE   0 0 6,757
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 BBG001T79CF8 1,443,005 15,110 SH   SOLE   0 0 15,110
ADOBE INC COM 00724F101 BBG001S5NCQ5 784,653 1,555 SH   SOLE   0 0 1,555
ALBEMARLE CORP COM 012653101 BBG001S7SBP9 489,151 3,713 SH   SOLE   0 0 3,713
ALLSTATE CORP COM 020002101 BBG001S9BM06 281,314 1,626 SH   SOLE   0 0 1,626
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 4,477,037 29,663 SH   SOLE   0 0 29,663
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 3,651,652 23,983 SH   SOLE   0 0 23,983
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 603,788 13,842 SH   SOLE   0 0 13,842
AMAZON COM INC COM 023135106 BBG001S5PQL7 5,232,644 29,009 SH   SOLE   0 0 29,009
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 262,982 1,155 SH   SOLE   0 0 1,155
AMGEN INC COM 031162100 BBG001S5NNL6 578,876 2,036 SH   SOLE   0 0 2,036
APPLE INC COM 037833100 BBG001S5N8V8 12,479,112 72,773 SH   SOLE   0 0 72,773
ARES CAPITAL CORP COM 04010L103 BBG001SL96Z9 285,650 13,720 SH   SOLE   0 0 13,720
AT&T INC COM 00206R102 BBG001S5VWH2 403,480 22,925 SH   SOLE   0 0 22,925
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 1,595,408 42,073 SH   SOLE   0 0 42,073
BARRICK GOLD CORP COM 067901108 BBG001S5N9P3 322,150 19,360 SH   SOLE   0 0 19,360
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 3,425,976 8,147 SH   SOLE   0 0 8,147
BLACKROCK INC COM 09247X101 BBG001SDBP55 259,281 311 SH   SOLE   0 0 311
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109 BBG004H65YJ9 140,785 13,550 SH   SOLE   0 0 13,550
BOEING CO COM 097023105 BBG001S5P0V3 1,037,321 5,375 SH   SOLE   0 0 5,375
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 308,840 5,695 SH   SOLE   0 0 5,695
BROADCOM INC COM 11135F101 BBG00KHY5SY8 434,734 328 SH   SOLE   0 0 328
CATERPILLAR INC COM 149123101 BBG001S5PJ06 2,950,494 8,052 SH   SOLE   0 0 8,052
CENCORA INC COM 03073E105 BBG001S8X7P0 254,654 1,048 SH   SOLE   0 0 1,048
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 7,497,855 47,533 SH   SOLE   0 0 47,533
CHUBB LIMITED COM H1467J104 BBG001S8S1L3 412,276 1,591 SH   SOLE   0 0 1,591
CISCO SYS INC COM 17275R102 BBG001S6HC62 1,254,089 25,127 SH   SOLE   0 0 25,127
COCA COLA CO COM 191216100 BBG001S5SMQ8 238,602 3,900 SH   SOLE   0 0 3,900
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 816,064 18,825 SH   SOLE   0 0 18,825
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 225,413 1,771 SH   SOLE   0 0 1,771
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 818,689 1,117 SH   SOLE   0 0 1,117
CROWN CASTLE INC COM 22822V101 BBG001S7W5T3 400,778 3,787 SH   SOLE   0 0 3,787
CUMMINS INC COM 231021106 BBG001S5Q9M3 860,378 2,920 SH   SOLE   0 0 2,920
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 332,759 4,172 SH   SOLE   0 0 4,172
DECKERS OUTDOOR CORP COM 243537107 BBG001S7GXB9 211,784 225 SH   SOLE   0 0 225
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 7,203,636 115,554 SH   SOLE   0 0 115,554
DISNEY WALT CO COM 254687106 BBG001S5QHF3 1,854,978 15,160 SH   SOLE   0 0 15,160
DOW INC COM 260557103 BBG00BN96931 222,509 3,841 SH   SOLE   0 0 3,841
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 374,171 3,869 SH   SOLE   0 0 3,869
EDISON INTL COM 281020107 BBG001S7MY75 523,685 7,404 SH   SOLE   0 0 7,404
ELI LILLY & CO COM 532457108 BBG001S5STL8 921,105 1,184 SH   SOLE   0 0 1,184
ENBRIDGE INC COM 29250N105 BBG001S6Q6D7 3,144,042 86,900 SH   SOLE   0 0 86,900
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 BBG001SDHNW4 204,490 13,000 SH   SOLE   0 0 13,000
ENTERPRISE PRODS PARTNERS L COM 293792107 BBG001S9P0Z1 2,988,703 102,423 SH   SOLE   0 0 102,423
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 4,651,111 40,013 SH   SOLE   0 0 40,013
FEDEX CORP COM 31428X106 BBG001S5R3M5 614,828 2,122 SH   SOLE   0 0 2,122
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 BBG005FHW240 237,900 5,000 SH   SOLE   0 0 5,000
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 BBG005FHVXB5 336,306 7,928 SH   SOLE   0 0 7,928
FIRST FNDTN INC COM 32026V104 BBG001V9VY13 958,827 126,997 SH   SOLE   0 0 126,997
FIRST TR EXCHANGE-TRADED FD NASDQ ARTFCIAL 33738R720 BBG00K4Y0TD8 262,799 5,809 SH   SOLE   0 0 5,809
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 BBG004HQLXB7 207,021 4,480 SH   SOLE   0 0 4,480
FORTINET INC COM 34959E109 BBG001S77BL6 715,547 10,475 SH   SOLE   0 0 10,475
FREEPORT-MCMORAN INC CL B 35671D857 BBG001S5R3F3 355,659 7,564 SH   SOLE   0 0 7,564
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 362,152 1,282 SH   SOLE   0 0 1,282
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 214,322 1,221 SH   SOLE   0 0 1,221
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 207,371 2,831 SH   SOLE   0 0 2,831
GLACIER BANCORP INC NEW COM 37637Q105 BBG001S6HGM5 628,368 15,600 SH   SOLE   0 0 15,600
HOME DEPOT INC COM 437076102 BBG001S5RTW7 867,006 2,260 SH   SOLE   0 0 2,260
INTEL CORP COM 458140100 BBG001S5SF65 790,731 17,902 SH   SOLE   0 0 17,902
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 5,343,825 27,984 SH   SOLE   0 0 27,984
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449 BBG001SS30F5 265,692 2,800 SH   SOLE   0 0 2,800
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 387,373 872 SH   SOLE   0 0 872
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 8,472,116 147,162 SH   SOLE   0 0 147,162
ISHARES SILVER TR ISHARES 46428Q109 BBG001SQLN69 225,817 9,926 SH   SOLE   0 0 9,926
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 2,835,951 46,690 SH   SOLE   0 0 46,690
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,164,218 10,534 SH   SOLE   0 0 10,534
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5,616,374 10,683 SH   SOLE   0 0 10,683
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 327,146 3,152 SH   SOLE   0 0 3,152
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 3,464,205 30,134 SH   SOLE   0 0 30,134
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 222,490 2,786 SH   SOLE   0 0 2,786
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 817,970 4,977 SH   SOLE   0 0 4,977
ISHARES TR MSCI USA VALUE 46432F388 BBG004FPWGT7 485,445 4,482 SH   SOLE   0 0 4,482
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 334,851 3,112 SH   SOLE   0 0 3,112
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 9,387,854 27,853 SH   SOLE   0 0 27,853
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 282,854 1,345 SH   SOLE   0 0 1,345
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 231,576 936 SH   SOLE   0 0 936
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 4,906,650 44,388 SH   SOLE   0 0 44,388
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,307,764 12,487 SH   SOLE   0 0 12,487
ISHARES TR U.S. ENERGY ETF 464287796 BBG001SFGXW8 201,404 4,077 SH   SOLE   0 0 4,077
ISHARES TR U.S. MED DVC ETF 464288810 BBG001SQZT52 220,416 3,762 SH   SOLE   0 0 3,762
ISHARES TR US AER DEF ETF 464288760 BBG001SC08P5 1,169,164 8,862 SH   SOLE   0 0 8,862
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,910,283 12,076 SH   SOLE   0 0 12,076
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 4,137,397 20,656 SH   SOLE   0 0 20,656
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 268,143 2,073 SH   SOLE   0 0 2,073
KINDER MORGAN INC DEL COM 49456B101 BBG001TG2YZ5 361,445 19,708 SH   SOLE   0 0 19,708
KLA CORP COM NEW 482480100 BBG001S5SLM4 521,832 747 SH   SOLE   0 0 747
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 563,877 1,240 SH   SOLE   0 0 1,240
LOWES COS INC COM 548661107 BBG001S5SVL3 379,548 1,490 SH   SOLE   0 0 1,490
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 BBG001T8LMY9 296,305 2,897 SH   SOLE   0 0 2,897
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 764,252 1,587 SH   SOLE   0 0 1,587
MCDONALDS CORP COM 580135101 BBG001S5T110 519,561 1,843 SH   SOLE   0 0 1,843
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 201,319 375 SH   SOLE   0 0 375
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 337,183 3,869 SH   SOLE   0 0 3,869
MERCK & CO INC COM 58933Y105 BBG001S5TC52 11,163,366 84,603 SH   SOLE   0 0 84,603
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 3,921,059 8,075 SH   SOLE   0 0 8,075
MICROSOFT CORP COM 594918104 BBG001S5TD05 8,482,557 20,162 SH   SOLE   0 0 20,162
NETFLIX INC COM 64110L106 BBG001SF6L46 939,540 1,547 SH   SOLE   0 0 1,547
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 663,769 10,386 SH   SOLE   0 0 10,386
NIKE INC CL B 654106103 BBG001S6NTK2 328,272 3,493 SH   SOLE   0 0 3,493
NOVARTIS AG SPONSORED ADR 66987V109 BBG001SF5LW6 219,190 2,266 SH   SOLE   0 0 2,266
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 353,100 2,750 SH   SOLE   0 0 2,750
NUVEEN AMT FREE QLTY MUN INC COM 670657105 BBG001SKQWJ3 233,311 21,076 SH   SOLE   0 0 21,076
NUVEEN CALIFORNIA AMT QLT MU COM 670651108 BBG001S94NN7 121,500 10,000 SH   SOLE   0 0 10,000
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 2,060,117 2,280 SH   SOLE   0 0 2,280
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 1,137,941 4,005 SH   SOLE   0 0 4,005
PAYCHEX INC COM 704326107 BBG001S5V135 256,529 2,089 SH   SOLE   0 0 2,089
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 225,756 3,370 SH   SOLE   0 0 3,370
PEPSICO INC COM 713448108 BBG001S695T1 861,224 4,921 SH   SOLE   0 0 4,921
PFIZER INC COM 717081103 BBG001S5V466 1,017,482 36,666 SH   SOLE   0 0 36,666
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 3,829,584 77,054 SH   SOLE   0 0 77,054
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 1,337,377 14,597 SH   SOLE   0 0 14,597
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 752,191 4,636 SH   SOLE   0 0 4,636
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 227,052 3,400 SH   SOLE   0 0 3,400
QUALCOMM INC COM 747525103 BBG001S6VS70 1,763,598 10,417 SH   SOLE   0 0 10,417
REALTY INCOME CORP COM 756109104 BBG001S884K0 221,918 4,102 SH   SOLE   0 0 4,102
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 1,056,055 10,828 SH   SOLE   0 0 10,828
SALESFORCE INC COM 79466L302 BBG001SDLP09 963,776 3,200 SH   SOLE   0 0 3,200
SAP SE SPON ADR 803054204 BBG001S6RD41 206,537 1,059 SH   SOLE   0 0 1,059
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 443,517 6,131 SH   SOLE   0 0 6,131
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 14,889,096 381,576 SH   SOLE   0 0 381,576
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 24,592,787 501,382 SH   SOLE   0 0 501,382
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 34,732,830 720,449 SH   SOLE   0 0 720,449
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 5,134,115 63,675 SH   SOLE   0 0 63,675
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 29,184,269 314,757 SH   SOLE   0 0 314,757
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 293,175 5,954 SH   SOLE   0 0 5,954
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 411,722 4,361 SH   SOLE   0 0 4,361
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 590,772 3,999 SH   SOLE   0 0 3,999
SERVICENOW INC COM 81762P102 BBG001T4JFC0 362,902 476 SH   SOLE   0 0 476
SOUTHERN CO COM 842587107 BBG001S5W777 275,482 3,840 SH   SOLE   0 0 3,840
SPDR SER TR AEROSPACE DEF 78464A631 BBG0024LG8W4 5,064,261 36,042 SH   SOLE   0 0 36,042
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 20,489,301 223,195 SH   SOLE   0 0 223,195
SPDR SER TR PORTFLI HIGH YLD 78468R606 BBG0034VNBZ2 3,163,370 134,841 SH   SOLE   0 0 134,841
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 440,616 7,161 SH   SOLE   0 0 7,161
STARBUCKS CORP COM 855244109 BBG001S72KH6 773,261 8,461 SH   SOLE   0 0 8,461
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 1,035,477 7,611 SH   SOLE   0 0 7,611
TARGET CORP COM 87612E106 BBG001SC0K41 283,536 1,600 SH   SOLE   0 0 1,600
TESLA INC COM 88160R101 BBG001SQKGD7 620,714 3,531 SH   SOLE   0 0 3,531
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 304,693 1,749 SH   SOLE   0 0 1,749
TRUIST FINL CORP COM 89832Q109 BBG001S5YYC0 617,794 15,849 SH   SOLE   0 0 15,849
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 742,800 9,648 SH   SOLE   0 0 9,648
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 640,525 12,762 SH   SOLE   0 0 12,762
UNION PAC CORP COM 907818108 BBG001S5X2M0 430,869 1,752 SH   SOLE   0 0 1,752
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 296,814 1,997 SH   SOLE   0 0 1,997
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 848,905 1,716 SH   SOLE   0 0 1,716
VALLEY NATL BANCORP COM 919794107 BBG001S7H654 493,544 62,003 SH   SOLE   0 0 62,003
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 305,223 3,981 SH   SOLE   0 0 3,981
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 7,463,318 29,870 SH   SOLE   0 0 29,870
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 911,888 1,897 SH   SOLE   0 0 1,897
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,802,502 10,783 SH   SOLE   0 0 10,783
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 27,004,468 165,814 SH   SOLE   0 0 165,814
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,971,174 38,956 SH   SOLE   0 0 38,956
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 8,076,683 100,319 SH   SOLE   0 0 100,319
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 4,098,316 22,443 SH   SOLE   0 0 22,443
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 278,694 5,555 SH   SOLE   0 0 5,555
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 3,563,979 55,818 SH   SOLE   0 0 55,818
VANGUARD WORLD FD ENERGY ETF 92204A306 BBG001SHTV45 263,400 2,000 SH   SOLE   0 0 2,000
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 490,534 2,625 SH   SOLE   0 0 2,625
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 907,469 21,627 SH   SOLE   0 0 21,627
VISA INC COM CL A 92826C839 BBG001SRCFY3 788,122 2,824 SH   SOLE   0 0 2,824
WALMART INC COM 931142103 BBG001S5XH92 2,278,940 37,875 SH   SOLE   0 0 37,875
WISDOMTREE TR JAPN HEDGE EQT 97717W851 BBG001SHL470 529,046 4,876 SH   SOLE   0 0 4,876
WP CAREY INC COM 92936U109 BBG001S67MM3 497,293 8,811 SH   SOLE   0 0 8,811