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 1,268 9,798 SH   SOLE   0 0 9,798
ABBOTT LABS COM 002824100 606 5,578 SH   SOLE   0 0 5,578
ABBVIE INC COM 00287Y109 1,906 12,441 SH   SOLE   0 0 12,441
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 2,032 23,815 SH   SOLE   0 0 23,815
ACTIVISION BLIZZARD INC COM 00507V109 264 3,390 SH   SOLE   0 0 3,390
ALLSTATE CORP COM 020002101 218 1,717 SH   SOLE   0 0 1,717
ALPHABET INC CAP STK CL A 02079K305 3,084 1,415 SH   SOLE   0 0 1,415
ALPHABET INC CAP STK CL C 02079K107 2,082 952 SH   SOLE   0 0 952
ALTRIA GROUP INC COM 02209S103 295 7,068 SH   SOLE   0 0 7,068
AMAZON COM INC COM 023135106 2,436 22,940 SH   SOLE   0 0 22,940
AMGEN INC COM 031162100 599 2,463 SH   SOLE   0 0 2,463
APPLE INC COM 037833100 10,160 74,313 SH   SOLE   0 0 74,313
AT&T INC COM 00206R102 640 30,535 SH   SOLE   0 0 30,535
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,918 7,026 SH   SOLE   0 0 7,026
BK OF AMERICA CORP COM 060505104 1,391 44,670 SH   SOLE   0 0 44,670
BLOOM ENERGY CORP COM CL A 093712107 290 17,576 SH   SOLE   0 0 17,576
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109 498 38,250 SH   SOLE   0 0 38,250
BOEING CO COM 097023105 441 3,223 SH   SOLE   0 0 3,223
BRISTOL-MYERS SQUIBB CO COM 110122108 487 6,330 SH   SOLE   0 0 6,330
CATERPILLAR INC COM 149123101 1,816 10,157 SH   SOLE   0 0 10,157
CHEVRON CORP NEW COM 166764100 3,287 22,706 SH   SOLE   0 0 22,706
CISCO SYS INC COM 17275R102 1,316 30,874 SH   SOLE   0 0 30,874
COCA COLA CO COM 191216100 262 4,171 SH   SOLE   0 0 4,171
COSTCO WHSL CORP NEW COM 22160K105 488 1,017 SH   SOLE   0 0 1,017
CUMMINS INC COM 231021106 416 2,149 SH   SOLE   0 0 2,149
CVS HEALTH CORP COM 126650100 1,045 11,282 SH   SOLE   0 0 11,282
DISNEY WALT CO COM 254687106 935 9,902 SH   SOLE   0 0 9,902
DOW INC COM 260557103 287 5,555 SH   SOLE   0 0 5,555
EDISON INTL COM 281020107 518 8,192 SH   SOLE   0 0 8,192
ENBRIDGE INC COM 29250N105 2,863 67,756 SH   SOLE   0 0 67,756
ENTERPRISE PRODS PARTNERS L COM 293792107 1,951 80,070 SH   SOLE   0 0 80,070
EXXON MOBIL CORP COM 30231G102 2,795 32,633 SH   SOLE   0 0 32,633
FEDEX CORP COM 31428X106 581 2,562 SH   SOLE   0 0 2,562
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 216 5,000 SH   SOLE   0 0 5,000
FIRST FNDTN INC COM 32026V104 1,967 96,039 SH   SOLE   0 0 96,039
FORTINET INC COM 34959E109 458 8,100 SH   SOLE   0 0 8,100
GENERAL DYNAMICS CORP COM 369550108 227 1,025 SH   SOLE   0 0 1,025
GENERAL MTRS CO COM 37045V100 284 8,950 SH   SOLE   0 0 8,950
GILEAD SCIENCES INC COM 375558103 348 5,626 SH   SOLE   0 0 5,626
GLACIER BANCORP INC NEW COM 37637Q105 1,072 22,600 SH   SOLE   0 0 22,600
GLOBAL X FDS US PFD ETF 37954Y657 580 27,332 SH   SOLE   0 0 27,332
HOME DEPOT INC COM 437076102 925 3,372 SH   SOLE   0 0 3,372
INTEL CORP COM 458140100 1,320 35,272 SH   SOLE   0 0 35,272
INTERNATIONAL BUSINESS MACHS COM 459200101 4,047 28,660 SH   SOLE   0 0 28,660
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 246 19,909 SH   SOLE   0 0 19,909
INVESCO QQQ TR UNIT SER 1 46090E103 499 1,780 SH   SOLE   0 0 1,780
ISHARES INC ESG AWR MSCI EM 46434G863 1,482 45,881 SH   SOLE   0 0 45,881
ISHARES TR 10-20 YR TRS ETF 464288653 2,755 22,926 SH   SOLE   0 0 22,926
ISHARES TR 3 7 YR TREAS BD 464288661 781 6,546 SH   SOLE   0 0 6,546
ISHARES TR 7-10 YR TRSY BD 464287440 209 2,040 SH   SOLE   0 0 2,040
ISHARES TR CONV BD ETF 46435G102 228 3,286 SH   SOLE   0 0 3,286
ISHARES TR CORE MSCI EAFE 46432F842 1,446 24,573 SH   SOLE   0 0 24,573
ISHARES TR CORE S&P MCP ETF 464287507 2,985 13,196 SH   SOLE   0 0 13,196
ISHARES TR CORE S&P SCP ETF 464287804 3,145 34,032 SH   SOLE   0 0 34,032
ISHARES TR CORE S&P500 ETF 464287200 5,023 13,248 SH   SOLE   0 0 13,248
ISHARES TR CORE TOTAL USD 46434V613 12,595 269,012 SH   SOLE   0 0 269,012
ISHARES TR EAFE GRWTH ETF 464288885 5,896 73,248 SH   SOLE   0 0 73,248
ISHARES TR EAFE VALUE ETF 464288877 7,523 173,348 SH   SOLE   0 0 173,348
ISHARES TR ESG AWR MSCI USA 46435G425 18,915 225,451 SH   SOLE   0 0 225,451
ISHARES TR FALN ANGLS USD 46435G474 4,188 170,117 SH   SOLE   0 0 170,117
ISHARES TR GLOBAL FINLS ETF 464287333 228 3,462 SH   SOLE   0 0 3,462
ISHARES TR GLOBAL TECH ETF 464287291 760 16,621 SH   SOLE   0 0 16,621
ISHARES TR ISHS 1-5YR INVS 464288646 1,136 22,476 SH   SOLE   0 0 22,476
ISHARES TR ISHS 5-10YR INVT 464288638 341 6,669 SH   SOLE   0 0 6,669
ISHARES TR JPMORGAN USD EMG 464288281 345 4,047 SH   SOLE   0 0 4,047
ISHARES TR MBS ETF 464288588 4,608 47,263 SH   SOLE   0 0 47,263
ISHARES TR MSCI EAFE MIN VL 46429B689 1,900 30,015 SH   SOLE   0 0 30,015
ISHARES TR MSCI USA MIN VOL 46429B697 943 13,437 SH   SOLE   0 0 13,437
ISHARES TR MSCI USA QLT FCT 46432F339 647 5,789 SH   SOLE   0 0 5,789
ISHARES TR MSCI USA VALUE 46432F388 3,189 35,229 SH   SOLE   0 0 35,229
ISHARES TR NATIONAL MUN ETF 464288414 709 6,665 SH   SOLE   0 0 6,665
ISHARES TR NEW YORK MUN ETF 464288323 221 4,207 SH   SOLE   0 0 4,207
ISHARES TR RUS 1000 GRW ETF 464287614 7,082 32,380 SH   SOLE   0 0 32,380
ISHARES TR RUS 1000 VAL ETF 464287598 227 1,564 SH   SOLE   0 0 1,564
ISHARES TR RUSSELL 2000 ETF 464287655 397 2,345 SH   SOLE   0 0 2,345
ISHARES TR SHRT NAT MUN ETF 464288158 2,145 20,497 SH   SOLE   0 0 20,497
ISHARES TR U.S. ENERGY ETF 464287796 633 16,593 SH   SOLE   0 0 16,593
ISHARES TR U.S. TECH ETF 464287721 1,394 17,434 SH   SOLE   0 0 17,434
ISHARES TR US AER DEF ETF 464288760 953 9,612 SH   SOLE   0 0 9,612
ISHARES TR US TREAS BD ETF 46429B267 923 38,616 SH   SOLE   0 0 38,616
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 299 6,063 SH   SOLE   0 0 6,063
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 6,380 155,848 SH   SOLE   0 0 155,848
JOHNSON & JOHNSON COM 478160104 3,034 17,090 SH   SOLE   0 0 17,090
JPMORGAN CHASE & CO COM 46625H100 2,874 25,521 SH   SOLE   0 0 25,521
KIMBERLY-CLARK CORP COM 494368103 257 1,900 SH   SOLE   0 0 1,900
KINDER MORGAN INC DEL COM 49456B101 286 17,038 SH   SOLE   0 0 17,038
LILLY ELI & CO COM 532457108 572 1,763 SH   SOLE   0 0 1,763
LOCKHEED MARTIN CORP COM 539830109 578 1,345 SH   SOLE   0 0 1,345
LOWES COS INC COM 548661107 229 1,310 SH   SOLE   0 0 1,310
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 1,047 21,913 SH   SOLE   0 0 21,913
MASTERCARD INCORPORATED CL A 57636Q104 497 1,574 SH   SOLE   0 0 1,574
MCDONALDS CORP COM 580135101 627 2,541 SH   SOLE   0 0 2,541
MERCK & CO INC COM 58933Y105 7,675 84,188 SH   SOLE   0 0 84,188
META PLATFORMS INC CL A 30303M102 1,251 7,758 SH   SOLE   0 0 7,758
MICROSOFT CORP COM 594918104 5,041 19,629 SH   SOLE   0 0 19,629
NETFLIX INC COM 64110L106 257 1,472 SH   SOLE   0 0 1,472
NEWMONT CORP COM 651639106 836 14,009 SH   SOLE   0 0 14,009
NEXTERA ENERGY INC COM 65339F101 623 8,040 SH   SOLE   0 0 8,040
NVIDIA CORPORATION COM 67066G104 538 3,552 SH   SOLE   0 0 3,552
PALO ALTO NETWORKS INC COM 697435105 584 1,183 SH   SOLE   0 0 1,183
PAYCHEX INC COM 704326107 228 2,000 SH   SOLE   0 0 2,000
PAYPAL HLDGS INC COM 70450Y103 210 3,012 SH   SOLE   0 0 3,012
PEPSICO INC COM 713448108 215 1,293 SH   SOLE   0 0 1,293
PFIZER INC COM 717081103 3,512 66,978 SH   SOLE   0 0 66,978
PHILIP MORRIS INTL INC COM 718172109 1,357 13,741 SH   SOLE   0 0 13,741
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201 467 13,968 SH   SOLE   0 0 13,968
PROCTER AND GAMBLE CO COM 742718109 726 5,050 SH   SOLE   0 0 5,050
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 215 3,400 SH   SOLE   0 0 3,400
QUALCOMM INC COM 747525103 1,335 10,448 SH   SOLE   0 0 10,448
RAYTHEON TECHNOLOGIES CORP COM 75513E101 680 7,071 SH   SOLE   0 0 7,071
REALTY INCOME CORP COM 756109104 489 7,160 SH   SOLE   0 0 7,160
SALESFORCE INC COM 79466L302 750 4,543 SH   SOLE   0 0 4,543
SCHWAB CHARLES CORP COM 808513105 358 5,666 SH   SOLE   0 0 5,666
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 7,967 167,784 SH   SOLE   0 0 167,784
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 624 24,589 SH   SOLE   0 0 24,589
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 10,250 198,642 SH   SOLE   0 0 198,642
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,265 46,044 SH   SOLE   0 0 46,044
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 15,878 331,697 SH   SOLE   0 0 331,697
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,803 81,019 SH   SOLE   0 0 81,019
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,280 58,479 SH   SOLE   0 0 58,479
SCHWAB STRATEGIC TR US TIPS ETF 808524870 7,214 129,284 SH   SOLE   0 0 129,284
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,510 35,103 SH   SOLE   0 0 35,103
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 527 4,109 SH   SOLE   0 0 4,109
SOUTHERN CO COM 842587107 281 3,940 SH   SOLE   0 0 3,940
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 367 1,191 SH   SOLE   0 0 1,191
SPDR S&P 500 ETF TR TR UNIT 78462F103 972 2,577 SH   SOLE   0 0 2,577
SPDR SER TR NUVEEN BLMBRG SH 78468R739 208 4,400 SH   SOLE   0 0 4,400
SPDR SER TR PORTFOLIO S&P500 78464A854 18,463 416,389 SH   SOLE   0 0 416,389
SPDR SER TR S&P DIVID ETF 78464A763 351 2,957 SH   SOLE   0 0 2,957
STARBUCKS CORP COM 855244109 618 8,086 SH   SOLE   0 0 8,086
TARGET CORP COM 87612E106 284 2,009 SH   SOLE   0 0 2,009
TEXAS INSTRS INC COM 882508104 236 1,536 SH   SOLE   0 0 1,536
TRUIST FINL CORP COM 89832Q109 796 16,777 SH   SOLE   0 0 16,777
UNILEVER PLC SPON ADR NEW 904767704 447 9,753 SH   SOLE   0 0 9,753
UNITEDHEALTH GROUP INC COM 91324P102 1,609 3,132 SH   SOLE   0 0 3,132
US BANCORP DEL COM NEW 902973304 287 6,238 SH   SOLE   0 0 6,238
VALLEY NATL BANCORP COM 919794107 645 62,003 SH   SOLE   0 0 62,003
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 230 3,000 SH   SOLE   0 0 3,000
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 278 802 SH   SOLE   0 0 802
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,961 10,396 SH   SOLE   0 0 10,396
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,002 20,000 SH   SOLE   0 0 20,000
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 950 12,456 SH   SOLE   0 0 12,456
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,528 31,564 SH   SOLE   0 0 31,564
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 201 4,936 SH   SOLE   0 0 4,936
VANGUARD WORLD FD MEGA CAP INDEX 921910873 346 2,625 SH   SOLE   0 0 2,625
VERIZON COMMUNICATIONS INC COM 92343V104 1,490 29,368 SH   SOLE   0 0 29,368
VISA INC COM CL A 92826C839 476 2,420 SH   SOLE   0 0 2,420
WALMART INC COM 931142103 1,577 12,971 SH   SOLE   0 0 12,971
WISDOMTREE TR EM EX ST-OWNED 97717X578 2,833 98,771 SH   SOLE   0 0 98,771
WISDOMTREE TR JAPN HEDGE EQT 97717W851 304 4,876 SH   SOLE   0 0 4,876
WP CAREY INC COM 92936U109 1,669 20,140 SH   SOLE   0 0 20,140