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 2,550 12,839 SH   SOLE   0 0 12,839
ABBOTT LABS COM 002824100 652 5,624 SH   SOLE   0 0 5,624
ABBVIE INC COM 00287Y109 1,510 13,409 SH   SOLE   0 0 13,409
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 5,058 52,439 SH   SOLE   0 0 52,439
ALLSTATE CORP COM 020002101 230 1,767 SH   SOLE   0 0 1,767
ALPHABET INC CAP STK CL A 02079K305 3,460 1,417 SH   SOLE   0 0 1,417
ALPHABET INC CAP STK CL C 02079K107 2,419 965 SH   SOLE   0 0 965
ALTRIA GROUP INC COM 02209S103 359 7,526 SH   SOLE   0 0 7,526
AMAZON COM INC COM 023135106 3,299 959 SH   SOLE   0 0 959
AMERICA FIRST MULTIFAMILY IN BEN UNIT CTF 02364V107 76 11,300 SH   SOLE   0 0 11,300
AMGEN INC COM 031162100 614 2,518 SH   SOLE   0 0 2,518
APPLE INC COM 037833100 10,355 75,608 SH   SOLE   0 0 75,608
AT&T INC COM 00206R102 2,857 99,253 SH   SOLE   0 0 99,253
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,901 6,839 SH   SOLE   0 0 6,839
BK OF AMERICA CORP COM 060505104 1,752 42,496 SH   SOLE   0 0 42,496
BLACKROCK INC COM 09247X101 303 346 SH   SOLE   0 0 346
BLOOM ENERGY CORP COM CL A 093712107 492 18,292 SH   SOLE   0 0 18,292
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109 723 49,250 SH   SOLE   0 0 49,250
BOEING CO COM 097023105 1,256 5,242 SH   SOLE   0 0 5,242
BRISTOL-MYERS SQUIBB CO COM 110122108 432 6,471 SH   SOLE   0 0 6,471
CATERPILLAR INC COM 149123101 2,212 10,162 SH   SOLE   0 0 10,162
CHEVRON CORP NEW COM 166764100 1,870 17,855 SH   SOLE   0 0 17,855
CISCO SYS INC COM 17275R102 1,442 27,200 SH   SOLE   0 0 27,200
CITIGROUP INC COM NEW 172967424 393 5,548 SH   SOLE   0 0 5,548
COCA COLA CO COM 191216100 226 4,171 SH   SOLE   0 0 4,171
COSTCO WHSL CORP NEW COM 22160K105 388 980 SH   SOLE   0 0 980
CUMMINS INC COM 231021106 302 1,238 SH   SOLE   0 0 1,238
CVS HEALTH CORP COM 126650100 1,058 12,675 SH   SOLE   0 0 12,675
DISNEY WALT CO COM 254687106 1,314 7,475 SH   SOLE   0 0 7,475
ENBRIDGE INC COM 29250N105 2,614 65,286 SH   SOLE   0 0 65,286
ENTERPRISE PRODS PARTNERS L COM 293792107 1,110 45,996 SH   SOLE   0 0 45,996
EOG RES INC COM 26875P101 411 4,925 SH   SOLE   0 0 4,925
EXXON MOBIL CORP COM 30231G102 1,053 16,693 SH   SOLE   0 0 16,693
FACEBOOK INC CL A 30303M102 2,360 6,787 SH   SOLE   0 0 6,787
FEDEX CORP COM 31428X106 802 2,688 SH   SOLE   0 0 2,688
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 213 5,000 SH   SOLE   0 0 5,000
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 1,028 8,731 SH   SOLE   0 0 8,731
FIRST FNDTN INC COM 32026V104 2,801 124,449 SH   SOLE   0 0 124,449
FORTINET INC COM 34959E109 386 1,620 SH   SOLE   0 0 1,620
GENERAL ELECTRIC CO COM 369604103 174 12,914 SH   SOLE   0 0 12,914
GILEAD SCIENCES INC COM 375558103 821 11,919 SH   SOLE   0 0 11,919
GLACIER BANCORP INC NEW COM 37637Q105 1,261 22,889 SH   SOLE   0 0 22,889
GLOBAL X FDS US PFD ETF 37954Y657 1,041 39,762 SH   SOLE   0 0 39,762
HOME DEPOT INC COM 437076102 1,111 3,484 SH   SOLE   0 0 3,484
INTEL CORP COM 458140100 1,891 33,684 SH   SOLE   0 0 33,684
INTERNATIONAL BUSINESS MACHS COM 459200101 3,389 23,121 SH   SOLE   0 0 23,121
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 334 11,875 SH   SOLE   0 0 11,875
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 315 20,590 SH   SOLE   0 0 20,590
INVESCO QQQ TR UNIT SER 1 46090E103 789 2,227 SH   SOLE   0 0 2,227
ISHARES INC ESG AWR MSCI EM 46434G863 5,699 126,232 SH   SOLE   0 0 126,232
ISHARES SILVER TR ISHARES 46428Q109 240 9,926 SH   SOLE   0 0 9,926
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,111 10,450 SH   SOLE   0 0 10,450
ISHARES TR 0-5YR HI YL CP 46434V407 2,432 52,801 SH   SOLE   0 0 52,801
ISHARES TR 10+ YR INVST GRD 464289511 1,609 22,914 SH   SOLE   0 0 22,914
ISHARES TR 3 7 YR TREAS BD 464288661 538 4,121 SH   SOLE   0 0 4,121
ISHARES TR BARCLAYS 7 10 YR 464287440 331 2,866 SH   SOLE   0 0 2,866
ISHARES TR BROAD USD HIGH 46435U853 471 11,291 SH   SOLE   0 0 11,291
ISHARES TR CORE MSCI EAFE 46432F842 2,009 26,834 SH   SOLE   0 0 26,834
ISHARES TR CORE MSCI TOTAL 46432F834 432 5,887 SH   SOLE   0 0 5,887
ISHARES TR CORE S&P MCP ETF 464287507 3,689 13,729 SH   SOLE   0 0 13,729
ISHARES TR CORE S&P SCP ETF 464287804 6,490 57,440 SH   SOLE   0 0 57,440
ISHARES TR CORE S&P500 ETF 464287200 13,708 31,885 SH   SOLE   0 0 31,885
ISHARES TR CORE TOTAL USD 46434V613 9,783 182,903 SH   SOLE   0 0 182,903
ISHARES TR EAFE GRWTH ETF 464288885 7,616 70,996 SH   SOLE   0 0 70,996
ISHARES TR EAFE VALUE ETF 464288877 7,729 149,323 SH   SOLE   0 0 149,323
ISHARES TR ESG AWR MSCI USA 46435G425 17,391 176,613 SH   SOLE   0 0 176,613
ISHARES TR FALN ANGLS USD 46435G474 5,603 187,001 SH   SOLE   0 0 187,001
ISHARES TR GLOBAL FINLS ETF 464287333 271 3,486 SH   SOLE   0 0 3,486
ISHARES TR GLOBAL TECH ETF 464287291 2,771 8,211 SH   SOLE   0 0 8,211
ISHARES TR IBOXX HI YD ETF 464288513 1,119 12,707 SH   SOLE   0 0 12,707
ISHARES TR IBOXX INV CP ETF 464287242 6,746 50,210 SH   SOLE   0 0 50,210
ISHARES TR ISHS 1-5YR INVS 464288646 10,351 188,844 SH   SOLE   0 0 188,844
ISHARES TR ISHS 5-10YR INVT 464288638 404 6,669 SH   SOLE   0 0 6,669
ISHARES TR MBS ETF 464288588 6,824 63,055 SH   SOLE   0 0 63,055
ISHARES TR MSCI EAFE ETF 464287465 220 2,786 SH   SOLE   0 0 2,786
ISHARES TR MSCI EAFE MIN VL 46429B689 2,696 35,684 SH   SOLE   0 0 35,684
ISHARES TR MSCI USA MIN VOL 46429B697 995 13,514 SH   SOLE   0 0 13,514
ISHARES TR MSCI USA MMENTM 46432F396 1,585 9,139 SH   SOLE   0 0 9,139
ISHARES TR MSCI USA QLT FCT 46432F339 991 7,458 SH   SOLE   0 0 7,458
ISHARES TR MSCI USA VALUE 46432F388 6,371 60,642 SH   SOLE   0 0 60,642
ISHARES TR NATIONAL MUN ETF 464288414 628 5,362 SH   SOLE   0 0 5,362
ISHARES TR NEW YORK MUN ETF 464288323 246 4,207 SH   SOLE   0 0 4,207
ISHARES TR RUS 1000 GRW ETF 464287614 9,237 34,025 SH   SOLE   0 0 34,025
ISHARES TR RUS 1000 VAL ETF 464287598 248 1,564 SH   SOLE   0 0 1,564
ISHARES TR RUSSELL 2000 ETF 464287655 309 1,345 SH   SOLE   0 0 1,345
ISHARES TR SELECT DIVID ETF 464287168 245 2,097 SH   SOLE   0 0 2,097
ISHARES TR SHRT NAT MUN ETF 464288158 2,612 24,221 SH   SOLE   0 0 24,221
ISHARES TR TIPS BD ETF 464287176 760 5,940 SH   SOLE   0 0 5,940
ISHARES TR U.S. ENERGY ETF 464287796 1,630 56,030 SH   SOLE   0 0 56,030
ISHARES TR U.S. FIN SVC ETF 464287770 306 1,650 SH   SOLE   0 0 1,650
ISHARES TR U.S. MED DVC ETF 464288810 1,875 5,192 SH   SOLE   0 0 5,192
ISHARES TR US AER DEF ETF 464288760 774 7,062 SH   SOLE   0 0 7,062
ISHARES TR US TREAS BD ETF 46429B267 21,204 797,151 SH   SOLE   0 0 797,151
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 487 9,717 SH   SOLE   0 0 9,717
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 514 14,911 SH   SOLE   0 0 14,911
JOHNSON & JOHNSON COM 478160104 2,843 17,259 SH   SOLE   0 0 17,259
JPMORGAN CHASE & CO COM 46625H100 3,651 23,473 SH   SOLE   0 0 23,473
KIMBERLY-CLARK CORP COM 494368103 254 1,900 SH   SOLE   0 0 1,900
KINDER MORGAN INC DEL COM 49456B101 198 10,838 SH   SOLE   0 0 10,838
LILLY ELI & CO COM 532457108 405 1,763 SH   SOLE   0 0 1,763
LOCKHEED MARTIN CORP COM 539830109 265 701 SH   SOLE   0 0 701
LOWES COS INC COM 548661107 273 1,410 SH   SOLE   0 0 1,410
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 450 9,208 SH   SOLE   0 0 9,208
MASTERCARD INCORPORATED CL A 57636Q104 646 1,770 SH   SOLE   0 0 1,770
MCDONALDS CORP COM 580135101 685 2,965 SH   SOLE   0 0 2,965
MEDTRONIC PLC SHS G5960L103 269 2,170 SH   SOLE   0 0 2,170
MERCK & CO INC COM 58933Y105 5,563 71,533 SH   SOLE   0 0 71,533
MICROSOFT CORP COM 594918104 4,836 17,853 SH   SOLE   0 0 17,853
NETFLIX INC COM 64110L106 913 1,728 SH   SOLE   0 0 1,728
NEWMONT CORP COM 651639106 451 7,120 SH   SOLE   0 0 7,120
NEXTERA ENERGY INC COM 65339F101 589 8,040 SH   SOLE   0 0 8,040
NVIDIA CORPORATION COM 67066G104 862 1,077 SH   SOLE   0 0 1,077
ORGANON & CO COMMON STOCK 68622V106 207 6,837 SH   SOLE   0 0 6,837
PALO ALTO NETWORKS INC COM 697435105 476 1,282 SH   SOLE   0 0 1,282
PAYCHEX INC COM 704326107 322 3,000 SH   SOLE   0 0 3,000
PAYPAL HLDGS INC COM 70450Y103 878 3,012 SH   SOLE   0 0 3,012
PFIZER INC COM 717081103 2,902 74,116 SH   SOLE   0 0 74,116
PHILIP MORRIS INTL INC COM 718172109 1,416 14,287 SH   SOLE   0 0 14,287
PROCTER AND GAMBLE CO COM 742718109 603 4,466 SH   SOLE   0 0 4,466
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 203 3,400 SH   SOLE   0 0 3,400
QUALCOMM INC COM 747525103 1,171 8,196 SH   SOLE   0 0 8,196
RAYTHEON TECHNOLOGIES CORP COM 75513E101 584 6,843 SH   SOLE   0 0 6,843
REALTY INCOME CORP COM 756109104 275 4,118 SH   SOLE   0 0 4,118
REGENERON PHARMACEUTICALS COM 75886F107 381 683 SH   SOLE   0 0 683
SALESFORCE COM INC COM 79466L302 1,162 4,759 SH   SOLE   0 0 4,759
SCHWAB CHARLES CORP COM 808513105 405 5,557 SH   SOLE   0 0 5,557
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 4,932 96,361 SH   SOLE   0 0 96,361
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 2,412 45,886 SH   SOLE   0 0 45,886
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,534 46,659 SH   SOLE   0 0 46,659
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 802 14,098 SH   SOLE   0 0 14,098
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 5,673 110,761 SH   SOLE   0 0 110,761
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 6,334 83,755 SH   SOLE   0 0 83,755
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,402 13,456 SH   SOLE   0 0 13,456
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,581 25,295 SH   SOLE   0 0 25,295
SELECT SECTOR SPDR TR ENERGY 81369Y506 664 12,321 SH   SOLE   0 0 12,321
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 518 4,109 SH   SOLE   0 0 4,109
SOUTHERN CO COM 842587107 238 3,940 SH   SOLE   0 0 3,940
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 525 1,522 SH   SOLE   0 0 1,522
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,796 4,195 SH   SOLE   0 0 4,195
SPDR SER TR BLOMBERG BRC INV 78468R200 1,982 64,668 SH   SOLE   0 0 64,668
SPDR SER TR NUVEEN BLMBRG SR 78468R739 218 4,400 SH   SOLE   0 0 4,400
SPDR SER TR PORTFOLIO INTRMD 78464A375 296 8,071 SH   SOLE   0 0 8,071
SPDR SER TR PORTFOLIO S&P500 78464A854 4,233 84,101 SH   SOLE   0 0 84,101
SPDR SER TR S&P DIVID ETF 78464A763 533 4,357 SH   SOLE   0 0 4,357
STARBUCKS CORP COM 855244109 1,038 9,281 SH   SOLE   0 0 9,281
SYSCO CORP COM 871829107 245 3,150 SH   SOLE   0 0 3,150
TARGET CORP COM 87612E106 228 945 SH   SOLE   0 0 945
TEXAS INSTRS INC COM 882508104 295 1,536 SH   SOLE   0 0 1,536
TRUIST FINL CORP COM 89832Q109 855 15,402 SH   SOLE   0 0 15,402
UBER TECHNOLOGIES INC COM 90353T100 343 6,835 SH   SOLE   0 0 6,835
UNITEDHEALTH GROUP INC COM 91324P102 1,262 3,152 SH   SOLE   0 0 3,152
US BANCORP DEL COM NEW 902973304 371 6,510 SH   SOLE   0 0 6,510
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 227 2,200 SH   SOLE   0 0 2,200
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 642 7,810 SH   SOLE   0 0 7,810
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 307 3,574 SH   SOLE   0 0 3,574
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 595 1,513 SH   SOLE   0 0 1,513
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,510 11,265 SH   SOLE   0 0 11,265
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 818 15,615 SH   SOLE   0 0 15,615
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,879 22,718 SH   SOLE   0 0 22,718
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,063 39,168 SH   SOLE   0 0 39,168
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 372 7,212 SH   SOLE   0 0 7,212
VANGUARD WORLD FD MEGA CAP INDEX 921910873 400 2,625 SH   SOLE   0 0 2,625
VERIZON COMMUNICATIONS INC COM 92343V104 2,571 45,892 SH   SOLE   0 0 45,892
VISA INC COM CL A 92826C839 726 3,107 SH   SOLE   0 0 3,107
WALMART INC COM 931142103 1,830 12,973 SH   SOLE   0 0 12,973
WISDOMTREE TR EM EX ST-OWNED 97717X578 2,165 51,458 SH   SOLE   0 0 51,458
WISDOMTREE TR JAPN HEDGE EQT 97717W851 298 4,876 SH   SOLE   0 0 4,876
WP CAREY INC COM 92936U109 1,223 16,391 SH   SOLE   0 0 16,391