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 2,252 12,839 SH   SOLE   0 0 12,839
ABBOTT LABS COM 002824100 664 5,624 SH   SOLE   0 0 5,624
ABBVIE INC COM 00287Y109 1,446 13,409 SH   SOLE   0 0 13,409
ABERDEEN STD PRECIOUS METALS PHYSCL PM BASKET 003263100 4,249 49,144 SH   SOLE   0 0 49,144
ALLSTATE CORP COM 020002101 225 1,767 SH   SOLE   0 0 1,767
ALPHABET INC CAP STK CL A 02079K305 3,628 1,357 SH   SOLE   0 0 1,357
ALPHABET INC CAP STK CL C 02079K107 2,572 965 SH   SOLE   0 0 965
ALTRIA GROUP INC COM 02209S103 343 7,526 SH   SOLE   0 0 7,526
AMAZON COM INC COM 023135106 3,252 990 SH   SOLE   0 0 990
AMERICA FIRST MULTIFAMILY IN BEN UNIT CTF 02364V107 67 11,300 SH   SOLE   0 0 11,300
AMGEN INC COM 031162100 524 2,463 SH   SOLE   0 0 2,463
APPLE INC COM 037833100 10,792 76,271 SH   SOLE   0 0 76,271
AT&T INC COM 00206R102 1,701 62,960 SH   SOLE   0 0 62,960
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,867 6,839 SH   SOLE   0 0 6,839
BK OF AMERICA CORP COM 060505104 1,804 42,496 SH   SOLE   0 0 42,496
BLACKROCK INC COM 09247X101 504 601 SH   SOLE   0 0 601
BLOOM ENERGY CORP COM CL A 093712107 363 19,376 SH   SOLE   0 0 19,376
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109 768 49,250 SH   SOLE   0 0 49,250
BOEING CO COM 097023105 1,247 5,670 SH   SOLE   0 0 5,670
BRISTOL-MYERS SQUIBB CO COM 110122108 375 6,330 SH   SOLE   0 0 6,330
CATERPILLAR INC COM 149123101 1,943 10,120 SH   SOLE   0 0 10,120
CHEVRON CORP NEW COM 166764100 2,074 20,441 SH   SOLE   0 0 20,441
CISCO SYS INC COM 17275R102 1,480 27,200 SH   SOLE   0 0 27,200
CITIGROUP INC COM NEW 172967424 381 5,434 SH   SOLE   0 0 5,434
COCA COLA CO COM 191216100 219 4,171 SH   SOLE   0 0 4,171
COSTCO WHSL CORP NEW COM 22160K105 462 1,027 SH   SOLE   0 0 1,027
CUMMINS INC COM 231021106 300 1,338 SH   SOLE   0 0 1,338
CVS HEALTH CORP COM 126650100 1,076 12,675 SH   SOLE   0 0 12,675
DISNEY WALT CO COM 254687106 1,278 7,556 SH   SOLE   0 0 7,556
ENBRIDGE INC COM 29250N105 2,590 65,066 SH   SOLE   0 0 65,066
ENTERPRISE PRODS PARTNERS L COM 293792107 973 44,946 SH   SOLE   0 0 44,946
EXXON MOBIL CORP COM 30231G102 1,583 26,918 SH   SOLE   0 0 26,918
FACEBOOK INC CL A 30303M102 2,290 6,747 SH   SOLE   0 0 6,747
FEDEX CORP COM 31428X106 589 2,685 SH   SOLE   0 0 2,685
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 209 5,000 SH   SOLE   0 0 5,000
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 877 7,393 SH   SOLE   0 0 7,393
FIRST FNDTN INC COM 32026V104 3,200 121,684 SH   SOLE   0 0 121,684
FORTINET INC COM 34959E109 480 1,645 SH   SOLE   0 0 1,645
GENERAL DYNAMICS CORP COM 369550108 201 1,025 SH   SOLE   0 0 1,025
GILEAD SCIENCES INC COM 375558103 798 11,419 SH   SOLE   0 0 11,419
GLACIER BANCORP INC NEW COM 37637Q105 1,267 22,889 SH   SOLE   0 0 22,889
GLOBAL X FDS US PFD ETF 37954Y657 1,154 44,787 SH   SOLE   0 0 44,787
HEWLETT PACKARD ENTERPRISE C COM 42824C109 210 14,765 SH   SOLE   0 0 14,765
HOME DEPOT INC COM 437076102 1,144 3,486 SH   SOLE   0 0 3,486
INTEL CORP COM 458140100 1,819 34,144 SH   SOLE   0 0 34,144
INTERNATIONAL BUSINESS MACHS COM 459200101 3,274 23,564 SH   SOLE   0 0 23,564
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 330 11,875 SH   SOLE   0 0 11,875
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 299 19,909 SH   SOLE   0 0 19,909
INVESCO QQQ TR UNIT SER 1 46090E103 797 2,227 SH   SOLE   0 0 2,227
ISHARES INC ESG AWR MSCI EM 46434G863 5,047 121,783 SH   SOLE   0 0 121,783
ISHARES SILVER TR ISHARES 46428Q109 204 9,926 SH   SOLE   0 0 9,926
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,203 11,388 SH   SOLE   0 0 11,388
ISHARES TR 0-5YR HI YL CP 46434V407 2,358 51,588 SH   SOLE   0 0 51,588
ISHARES TR 10+ YR INVST GRD 464289511 1,266 18,277 SH   SOLE   0 0 18,277
ISHARES TR 10-20 YR TRS ETF 464288653 229 1,560 SH   SOLE   0 0 1,560
ISHARES TR 3 7 YR TREAS BD 464288661 536 4,121 SH   SOLE   0 0 4,121
ISHARES TR BARCLAYS 7 10 YR 464287440 317 2,754 SH   SOLE   0 0 2,754
ISHARES TR BROAD USD HIGH 46435U853 371 8,940 SH   SOLE   0 0 8,940
ISHARES TR CORE MSCI EAFE 46432F842 1,977 26,626 SH   SOLE   0 0 26,626
ISHARES TR CORE MSCI TOTAL 46432F834 418 5,887 SH   SOLE   0 0 5,887
ISHARES TR CORE S&P MCP ETF 464287507 3,538 13,448 SH   SOLE   0 0 13,448
ISHARES TR CORE S&P SCP ETF 464287804 6,192 56,708 SH   SOLE   0 0 56,708
ISHARES TR CORE S&P500 ETF 464287200 13,706 31,813 SH   SOLE   0 0 31,813
ISHARES TR CORE TOTAL USD 46434V613 10,790 202,661 SH   SOLE   0 0 202,661
ISHARES TR EAFE GRWTH ETF 464288885 8,022 75,345 SH   SOLE   0 0 75,345
ISHARES TR EAFE VALUE ETF 464288877 7,774 152,883 SH   SOLE   0 0 152,883
ISHARES TR ESG AWR MSCI USA 46435G425 17,805 180,838 SH   SOLE   0 0 180,838
ISHARES TR FALN ANGLS USD 46435G474 6,114 203,069 SH   SOLE   0 0 203,069
ISHARES TR GLOBAL FINLS ETF 464287333 609 7,763 SH   SOLE   0 0 7,763
ISHARES TR GLOBAL TECH ETF 464287291 2,827 49,901 SH   SOLE   0 0 49,901
ISHARES TR IBOXX HI YD ETF 464288513 970 11,085 SH   SOLE   0 0 11,085
ISHARES TR IBOXX INV CP ETF 464287242 5,868 44,111 SH   SOLE   0 0 44,111
ISHARES TR ISHS 1-5YR INVS 464288646 9,979 182,628 SH   SOLE   0 0 182,628
ISHARES TR ISHS 5-10YR INVT 464288638 401 6,669 SH   SOLE   0 0 6,669
ISHARES TR JPMORGAN USD EMG 464288281 251 2,279 SH   SOLE   0 0 2,279
ISHARES TR MBS ETF 464288588 7,163 66,235 SH   SOLE   0 0 66,235
ISHARES TR MSCI EAFE ETF 464287465 217 2,786 SH   SOLE   0 0 2,786
ISHARES TR MSCI EAFE MIN VL 46429B689 2,680 35,569 SH   SOLE   0 0 35,569
ISHARES TR MSCI USA MIN VOL 46429B697 819 11,138 SH   SOLE   0 0 11,138
ISHARES TR MSCI USA MMENTM 46432F396 1,385 7,889 SH   SOLE   0 0 7,889
ISHARES TR MSCI USA QLT FCT 46432F339 971 7,369 SH   SOLE   0 0 7,369
ISHARES TR MSCI USA VALUE 46432F388 6,001 59,593 SH   SOLE   0 0 59,593
ISHARES TR NATIONAL MUN ETF 464288414 623 5,362 SH   SOLE   0 0 5,362
ISHARES TR NEW YORK MUN ETF 464288323 243 4,207 SH   SOLE   0 0 4,207
ISHARES TR RUS 1000 GRW ETF 464287614 9,206 33,594 SH   SOLE   0 0 33,594
ISHARES TR RUS 1000 VAL ETF 464287598 245 1,564 SH   SOLE   0 0 1,564
ISHARES TR RUSSELL 2000 ETF 464287655 294 1,345 SH   SOLE   0 0 1,345
ISHARES TR SELECT DIVID ETF 464287168 241 2,097 SH   SOLE   0 0 2,097
ISHARES TR SHRT NAT MUN ETF 464288158 2,775 25,800 SH   SOLE   0 0 25,800
ISHARES TR TIPS BD ETF 464287176 1,244 9,742 SH   SOLE   0 0 9,742
ISHARES TR U.S. ENERGY ETF 464287796 1,602 56,693 SH   SOLE   0 0 56,693
ISHARES TR U.S. FIN SVC ETF 464287770 310 1,650 SH   SOLE   0 0 1,650
ISHARES TR U.S. MED DVC ETF 464288810 1,715 27,317 SH   SOLE   0 0 27,317
ISHARES TR U.S. TECH ETF 464287721 209 2,061 SH   SOLE   0 0 2,061
ISHARES TR US AER DEF ETF 464288760 840 8,062 SH   SOLE   0 0 8,062
ISHARES TR US TREAS BD ETF 46429B267 20,618 777,142 SH   SOLE   0 0 777,142
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 393 7,832 SH   SOLE   0 0 7,832
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,223 34,129 SH   SOLE   0 0 34,129
JOHNSON & JOHNSON COM 478160104 2,787 17,259 SH   SOLE   0 0 17,259
JPMORGAN CHASE & CO COM 46625H100 3,842 23,473 SH   SOLE   0 0 23,473
KIMBERLY-CLARK CORP COM 494368103 252 1,900 SH   SOLE   0 0 1,900
KLA CORP COM NEW 482480100 201 600 SH   SOLE   0 0 600
LILLY ELI & CO COM 532457108 407 1,763 SH   SOLE   0 0 1,763
LOCKHEED MARTIN CORP COM 539830109 242 701 SH   SOLE   0 0 701
LOWES COS INC COM 548661107 337 1,660 SH   SOLE   0 0 1,660
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 420 9,208 SH   SOLE   0 0 9,208
MASTERCARD INCORPORATED CL A 57636Q104 611 1,757 SH   SOLE   0 0 1,757
MCDONALDS CORP COM 580135101 715 2,965 SH   SOLE   0 0 2,965
MEDTRONIC PLC SHS G5960L103 272 2,170 SH   SOLE   0 0 2,170
MERCK & CO INC COM 58933Y105 5,526 73,573 SH   SOLE   0 0 73,573
MICROSOFT CORP COM 594918104 5,090 18,053 SH   SOLE   0 0 18,053
NETFLIX INC COM 64110L106 1,116 1,828 SH   SOLE   0 0 1,828
NEWMONT CORP COM 651639106 394 7,264 SH   SOLE   0 0 7,264
NEXTERA ENERGY INC COM 65339F101 631 8,040 SH   SOLE   0 0 8,040
NVIDIA CORPORATION COM 67066G104 904 4,364 SH   SOLE   0 0 4,364
PALO ALTO NETWORKS INC COM 697435105 639 1,333 SH   SOLE   0 0 1,333
PAYCHEX INC COM 704326107 337 3,000 SH   SOLE   0 0 3,000
PAYPAL HLDGS INC COM 70450Y103 784 3,012 SH   SOLE   0 0 3,012
PFIZER INC COM 717081103 3,090 71,835 SH   SOLE   0 0 71,835
PHILIP MORRIS INTL INC COM 718172109 1,345 14,187 SH   SOLE   0 0 14,187
PROCTER AND GAMBLE CO COM 742718109 664 4,748 SH   SOLE   0 0 4,748
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 207 3,400 SH   SOLE   0 0 3,400
QUALCOMM INC COM 747525103 1,096 8,496 SH   SOLE   0 0 8,496
RAYTHEON TECHNOLOGIES CORP COM 75513E101 582 6,771 SH   SOLE   0 0 6,771
REALTY INCOME CORP COM 756109104 267 4,118 SH   SOLE   0 0 4,118
REGENERON PHARMACEUTICALS COM 75886F107 376 621 SH   SOLE   0 0 621
SALESFORCE COM INC COM 79466L302 1,289 4,754 SH   SOLE   0 0 4,754
SCHWAB CHARLES CORP COM 808513105 405 5,557 SH   SOLE   0 0 5,557
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 4,985 97,634 SH   SOLE   0 0 97,634
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 1,991 38,148 SH   SOLE   0 0 38,148
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,418 46,530 SH   SOLE   0 0 46,530
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,014 17,883 SH   SOLE   0 0 17,883
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 5,676 110,885 SH   SOLE   0 0 110,885
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 6,214 83,703 SH   SOLE   0 0 83,703
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,387 13,859 SH   SOLE   0 0 13,859
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,106 33,647 SH   SOLE   0 0 33,647
SELECT SECTOR SPDR TR ENERGY 81369Y506 673 12,917 SH   SOLE   0 0 12,917
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 523 4,109 SH   SOLE   0 0 4,109
SOUTHERN CO COM 842587107 244 3,940 SH   SOLE   0 0 3,940
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 470 1,390 SH   SOLE   0 0 1,390
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,756 4,091 SH   SOLE   0 0 4,091
SPDR SER TR BLOMBERG BRC INV 78468R200 1,873 61,104 SH   SOLE   0 0 61,104
SPDR SER TR NUVEEN BLMBRG SR 78468R739 217 4,400 SH   SOLE   0 0 4,400
SPDR SER TR PORTFOLIO INTRMD 78464A375 224 6,138 SH   SOLE   0 0 6,138
SPDR SER TR PORTFOLIO S&P500 78464A854 4,374 86,673 SH   SOLE   0 0 86,673
SPDR SER TR S&P DIVID ETF 78464A763 512 4,357 SH   SOLE   0 0 4,357
STARBUCKS CORP COM 855244109 1,024 9,281 SH   SOLE   0 0 9,281
SYSCO CORP COM 871829107 247 3,150 SH   SOLE   0 0 3,150
TEXAS INSTRS INC COM 882508104 295 1,536 SH   SOLE   0 0 1,536
THERMO FISHER SCIENTIFIC INC COM 883556102 209 366 SH   SOLE   0 0 366
TRUIST FINL CORP COM 89832Q109 903 15,402 SH   SOLE   0 0 15,402
UBER TECHNOLOGIES INC COM 90353T100 306 6,835 SH   SOLE   0 0 6,835
UNITEDHEALTH GROUP INC COM 91324P102 1,232 3,152 SH   SOLE   0 0 3,152
US BANCORP DEL COM NEW 902973304 387 6,510 SH   SOLE   0 0 6,510
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 251 2,450 SH   SOLE   0 0 2,450
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 640 7,810 SH   SOLE   0 0 7,810
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 498 5,824 SH   SOLE   0 0 5,824
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 597 1,513 SH   SOLE   0 0 1,513
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,502 11,265 SH   SOLE   0 0 11,265
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 821 15,615 SH   SOLE   0 0 15,615
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,830 22,211 SH   SOLE   0 0 22,211
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,005 39,094 SH   SOLE   0 0 39,094
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 387 7,665 SH   SOLE   0 0 7,665
VANGUARD WORLD FD MEGA CAP INDEX 921910873 400 2,625 SH   SOLE   0 0 2,625
VANGUARD WORLD FDS UTILITIES ETF 92204A876 262 1,880 SH   SOLE   0 0 1,880
VERIZON COMMUNICATIONS INC COM 92343V104 2,282 42,249 SH   SOLE   0 0 42,249
VISA INC COM CL A 92826C839 692 3,107 SH   SOLE   0 0 3,107
WALMART INC COM 931142103 1,808 12,973 SH   SOLE   0 0 12,973
WISDOMTREE TR EM EX ST-OWNED 97717X578 1,839 49,275 SH   SOLE   0 0 49,275
WISDOMTREE TR JAPN HEDGE EQT 97717W851 308 4,876 SH   SOLE   0 0 4,876
WP CAREY INC COM 92936U109 1,188 16,261 SH   SOLE   0 0 16,261