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 1,395 10,116 SH   SOLE   0 0 10,116
ABBOTT LABS COM 002824100 455 5,730 SH   SOLE   0 0 5,730
ABBVIE INC COM 00287Y109 707 9,406 SH   SOLE   0 0 9,406
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 9,873 130,110 SH   SOLE   0 0 130,110
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 537 2,843 SH   SOLE   0 0 2,843
ALLSTATE CORP COM 020002101 203 2,367 SH   SOLE   0 0 2,367
ALPHABET INC CAP STK CL C 02079K107 964 860 SH   SOLE   0 0 860
ALPHABET INC CAP STK CL A 02079K305 1,381 1,236 SH   SOLE   0 0 1,236
ALTRIA GROUP INC COM 02209S103 418 11,544 SH   SOLE   0 0 11,544
AMAZON COM INC COM 023135106 1,802 939 SH   SOLE   0 0 939
AMGEN INC COM 031162100 533 2,550 SH   SOLE   0 0 2,550
APPLE INC COM 037833100 5,591 22,825 SH   SOLE   0 0 22,825
AT&T INC COM 00206R102 2,358 81,990 SH   SOLE   0 0 81,990
BAIDU INC SPON ADR REP A 056752108 366 3,680 SH   SOLE   0 0 3,680
BCE INC COM NEW 05534B760 237 5,876 SH   SOLE   0 0 5,876
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,061 5,904 SH   SOLE   0 0 5,904
BK OF AMERICA CORP COM 060505104 840 40,859 SH   SOLE   0 0 40,859
BLACKROCK INC COM 09247X101 257 602 SH   SOLE   0 0 602
BLOOM ENERGY CORP COM CL A 093712107 69 13,950 SH   SOLE   0 0 13,950
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109 574 49,250 SH   SOLE   0 0 49,250
BOEING CO COM 097023105 828 6,713 SH   SOLE   0 0 6,713
BRISTOL-MYERS SQUIBB CO COM 110122108 349 6,330 SH   SOLE   0 0 6,330
CATERPILLAR INC DEL COM 149123101 1,289 11,045 SH   SOLE   0 0 11,045
CHEVRON CORP NEW COM 166764100 1,406 18,473 SH   SOLE   0 0 18,473
CHINA MOBILE LIMITED SPONSORED ADR 16941M109 256 6,734 SH   SOLE   0 0 6,734
CISCO SYS INC COM 17275R102 391 9,829 SH   SOLE   0 0 9,829
CITIGROUP INC COM NEW 172967424 202 5,140 SH   SOLE   0 0 5,140
CONOCOPHILLIPS COM 20825C104 201 5,940 SH   SOLE   0 0 5,940
COSTCO WHSL CORP NEW COM 22160K105 251 862 SH   SOLE   0 0 862
DELTA AIR LINES INC DEL COM NEW 247361702 203 8,940 SH   SOLE   0 0 8,940
DISNEY WALT CO COM DISNEY 254687106 781 8,059 SH   SOLE   0 0 8,059
DOMINION ENERGY INC COM 25746U109 215 3,020 SH   SOLE   0 0 3,020
ENBRIDGE INC COM 29250N105 1,105 40,203 SH   SOLE   0 0 40,203
ENTERPRISE PRODS PARTNERS L COM 293792107 486 33,696 SH   SOLE   0 0 33,696
EXXON MOBIL CORP COM 30231G102 823 20,380 SH   SOLE   0 0 20,380
FACEBOOK INC CL A 30303M102 1,105 6,988 SH   SOLE   0 0 6,988
FEDEX CORP COM 31428X106 235 2,016 SH   SOLE   0 0 2,016
FIRST FNDTN INC COM 32026V104 1,250 122,646 SH   SOLE   0 0 122,646
FORTINET INC COM 34959E109 209 2,070 SH   SOLE   0 0 2,070
FS KKR CAPITAL CORP COM 302635107 44 15,660 SH   SOLE   0 0 15,660
FULTON FINL CORP PA COM 360271100 116 10,769 SH   SOLE   0 0 10,769
GENERAL ELECTRIC CO COM 369604103 280 40,569 SH   SOLE   0 0 40,569
GLACIER BANCORP INC NEW COM 37637Q105 779 22,889 SH   SOLE   0 0 22,889
GLOBAL X FDS US PFD ETF 37954Y657 430 20,536 SH   SOLE   0 0 20,536
HOME DEPOT INC COM 437076102 716 3,949 SH   SOLE   0 0 3,949
INTEL CORP COM 458140100 1,639 30,161 SH   SOLE   0 0 30,161
INTERNATIONAL BUSINESS MACHS COM 459200101 444 4,035 SH   SOLE   0 0 4,035
INVESCO EXCHANGE-TRADED FD T CALIF AMT MUN 46138E206 1,372 53,770 SH   SOLE   0 0 53,770
INVESCO EXCHANGE-TRADED FD T PFD ETF 46138E511 343 27,250 SH   SOLE   0 0 27,250
INVESCO QQQ TR UNIT SER 1 46090E103 592 3,181 SH   SOLE   0 0 3,181
ISHARES INC CORE MSCI EMKT 46434G103 257 6,410 SH   SOLE   0 0 6,410
ISHARES INC ESG MSCI EM ETF 46434G863 337 12,462 SH   SOLE   0 0 12,462
ISHARES TR CORE S&P TTL STK 464287150 249 4,471 SH   SOLE   0 0 4,471
ISHARES TR CORE S&P500 ETF 464287200 1,873 7,417 SH   SOLE   0 0 7,417
ISHARES TR GLOBAL TECH ETF 464287291 270 1,521 SH   SOLE   0 0 1,521
ISHARES TR BARCLAYS 7 10 YR 464287440 264 2,165 SH   SOLE   0 0 2,165
ISHARES TR MSCI EAFE ETF 464287465 235 4,511 SH   SOLE   0 0 4,511
ISHARES TR CORE S&P MCP ETF 464287507 6,960 50,850 SH   SOLE   0 0 50,850
ISHARES TR RUS 1000 GRW ETF 464287614 14,697 100,077 SH   SOLE   0 0 100,077
ISHARES TR RUSSELL 2000 ETF 464287655 204 1,897 SH   SOLE   0 0 1,897
ISHARES TR CORE S&P SCP ETF 464287804 6,225 117,632 SH   SOLE   0 0 117,632
ISHARES TR NEW YORK MUN ETF 464288323 231 4,207 SH   SOLE   0 0 4,207
ISHARES TR CALIF MUN BD ETF 464288356 440 7,462 SH   SOLE   0 0 7,462
ISHARES TR MBS ETF 464288588 412 3,737 SH   SOLE   0 0 3,737
ISHARES TR INTRM TR CRP ETF 464288638 699 12,812 SH   SOLE   0 0 12,812
ISHARES TR 3 7 YR TREAS BD 464288661 853 6,402 SH   SOLE   0 0 6,402
ISHARES TR US TREAS BD ETF 46429B267 1,954 69,534 SH   SOLE   0 0 69,534
ISHARES TR GNMA BOND ETF 46429B333 213 4,142 SH   SOLE   0 0 4,142
ISHARES TR MIN VOL EAFE ETF 46429B689 11,402 188,024 SH   SOLE   0 0 188,024
ISHARES TR MSCI MIN VOL ETF 46429B697 316 5,943 SH   SOLE   0 0 5,943
ISHARES TR USA QUALITY FCTR 46432F339 926 11,652 SH   SOLE   0 0 11,652
ISHARES TR CORE MSCI EAFE 46432F842 2,063 42,544 SH   SOLE   0 0 42,544
ISHARES TR 0-5YR INVT GR CP 46434V100 418 8,375 SH   SOLE   0 0 8,375
ISHARES TR 0-5YR HI YL CP 46434V407 267 6,662 SH   SOLE   0 0 6,662
ISHARES TR ESG MSCI USA ETF 46435G425 435 7,729 SH   SOLE   0 0 7,729
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 507 10,444 SH   SOLE   0 0 10,444
JOHNSON & JOHNSON COM 478160104 2,008 15,084 SH   SOLE   0 0 15,084
JPMORGAN CHASE & CO COM 46625H100 1,760 20,117 SH   SOLE   0 0 20,117
KIMBERLY CLARK CORP COM 494368103 246 1,900 SH   SOLE   0 0 1,900
LILLY ELI & CO COM 532457108 219 1,540 SH   SOLE   0 0 1,540
MASTERCARD INC CL A 57636Q104 725 3,035 SH   SOLE   0 0 3,035
MCDONALDS CORP COM 580135101 511 3,166 SH   SOLE   0 0 3,166
MEDTRONIC PLC SHS G5960L103 285 3,310 SH   SOLE   0 0 3,310
MERCK & CO. INC COM 58933Y105 4,408 57,342 SH   SOLE   0 0 57,342
MICROSOFT CORP COM 594918104 2,504 16,127 SH   SOLE   0 0 16,127
NETFLIX INC COM 64110L106 380 1,028 SH   SOLE   0 0 1,028
NEXTERA ENERGY INC COM 65339F101 465 2,055 SH   SOLE   0 0 2,055
NVIDIA CORP COM 67066G104 288 1,127 SH   SOLE   0 0 1,127
PAYPAL HLDGS INC COM 70450Y103 284 3,042 SH   SOLE   0 0 3,042
PFIZER INC COM 717081103 1,120 34,086 SH   SOLE   0 0 34,086
PHILIP MORRIS INTL INC COM 718172109 683 9,182 SH   SOLE   0 0 9,182
PROCTER & GAMBLE CO COM 742718109 405 3,538 SH   SOLE   0 0 3,538
QUALCOMM INC COM 747525103 574 8,435 SH   SOLE   0 0 8,435
SALESFORCE COM INC COM 79466L302 699 5,207 SH   SOLE   0 0 5,207
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,196 204,900 SH   SOLE   0 0 204,900
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 14,737 329,103 SH   SOLE   0 0 329,103
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 33,372 646,120 SH   SOLE   0 0 646,120
SCHWAB STRATEGIC TR US TIPS ETF 808524870 216 3,698 SH   SOLE   0 0 3,698
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 237 2,708 SH   SOLE   0 0 2,708
SOUTHERN CO COM 842587107 206 3,940 SH   SOLE   0 0 3,940
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,520 6,034 SH   SOLE   0 0 6,034
SPDR SER TR S&P DIVID ETF 78464A763 339 4,357 SH   SOLE   0 0 4,357
SPDR SER TR BLOMBERG BRC INV 78468R200 14,841 502,588 SH   SOLE   0 0 502,588
SPDR SER TR NUVEEN BLMBRG SR 78468R739 212 4,400 SH   SOLE   0 0 4,400
STARBUCKS CORP COM 855244109 576 8,859 SH   SOLE   0 0 8,859
TOTAL S.A. SPONSORED ADS 89151E109 219 5,521 SH   SOLE   0 0 5,521
TRUIST FINL CORP COM 89832Q109 537 18,861 SH   SOLE   0 0 18,861
UNITED PARCEL SERVICE INC CL B 911312106 217 2,335 SH   SOLE   0 0 2,335
UNITEDHEALTH GROUP INC COM 91324P102 951 3,956 SH   SOLE   0 0 3,956
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 218 944 SH   SOLE   0 0 944
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,814 14,448 SH   SOLE   0 0 14,448
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 12,044 153,273 SH   SOLE   0 0 153,273
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 5,298 51,995 SH   SOLE   0 0 51,995
VERIZON COMMUNICATIONS INC COM 92343V104 1,964 35,556 SH   SOLE   0 0 35,556
VIACOMCBS INC CL B 92556H206 136 10,692 SH   SOLE   0 0 10,692
VISA INC COM CL A 92826C839 511 3,244 SH   SOLE   0 0 3,244
WALMART INC COM 931142103 1,554 13,093 SH   SOLE   0 0 13,093
WISDOMTREE TR JAPN HEDGE EQT 97717W851 237 5,816 SH   SOLE   0 0 5,816
WP CAREY INC COM 92936U109 884 16,206 SH   SOLE   0 0 16,206