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 1,427 12,913 SH   SOLE   0 0 12,913
ABBOTT LABS COM 002824100 542 5,602 SH   SOLE   0 0 5,602
ABBVIE INC COM 00287Y109 1,473 10,976 SH   SOLE   0 0 10,976
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 1,892 23,315 SH   SOLE   0 0 23,315
ACTIVISION BLIZZARD INC COM 00507V109 252 3,390 SH   SOLE   0 0 3,390
ALLSTATE CORP COM 020002101 215 1,727 SH   SOLE   0 0 1,727
ALPHABET INC CAP STK CL A 02079K305 2,403 25,128 SH   SOLE   0 0 25,128
ALPHABET INC CAP STK CL C 02079K107 1,885 19,608 SH   SOLE   0 0 19,608
ALTRIA GROUP INC COM 02209S103 376 9,310 SH   SOLE   0 0 9,310
AMAZON COM INC COM 023135106 2,913 25,779 SH   SOLE   0 0 25,779
AMGEN INC COM 031162100 557 2,469 SH   SOLE   0 0 2,469
APPLE INC COM 037833100 9,693 70,134 SH   SOLE   0 0 70,134
AT&T INC COM 00206R102 629 41,032 SH   SOLE   0 0 41,032
BARRICK GOLD CORP COM 067901108 240 15,513 SH   SOLE   0 0 15,513
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,838 6,882 SH   SOLE   0 0 6,882
BK OF AMERICA CORP COM 060505104 1,231 40,770 SH   SOLE   0 0 40,770
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109 437 38,250 SH   SOLE   0 0 38,250
BOEING CO COM 097023105 215 1,773 SH   SOLE   0 0 1,773
BRISTOL-MYERS SQUIBB CO COM 110122108 451 6,348 SH   SOLE   0 0 6,348
CATERPILLAR INC COM 149123101 1,667 10,157 SH   SOLE   0 0 10,157
CHEVRON CORP NEW COM 166764100 3,211 22,348 SH   SOLE   0 0 22,348
CISCO SYS INC COM 17275R102 1,157 28,922 SH   SOLE   0 0 28,922
COCA COLA CO COM 191216100 256 4,571 SH   SOLE   0 0 4,571
COMCAST CORP NEW CL A 20030N101 541 18,460 SH   SOLE   0 0 18,460
COSTCO WHSL CORP NEW COM 22160K105 480 1,017 SH   SOLE   0 0 1,017
CUMMINS INC COM 231021106 515 2,532 SH   SOLE   0 0 2,532
CVS HEALTH CORP COM 126650100 926 9,713 SH   SOLE   0 0 9,713
DISNEY WALT CO COM 254687106 932 9,877 SH   SOLE   0 0 9,877
EDISON INTL COM 281020107 534 9,437 SH   SOLE   0 0 9,437
ENBRIDGE INC COM 29250N105 2,348 63,291 SH   SOLE   0 0 63,291
ENTERPRISE PRODS PARTNERS L COM 293792107 2,025 85,163 SH   SOLE   0 0 85,163
EXXON MOBIL CORP COM 30231G102 3,043 34,853 SH   SOLE   0 0 34,853
FEDEX CORP COM 31428X106 382 2,573 SH   SOLE   0 0 2,573
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 201 5,000 SH   SOLE   0 0 5,000
FIRST FNDTN INC COM 32026V104 1,770 97,556 SH   SOLE   0 0 97,556
FORTINET INC COM 34959E109 651 13,250 SH   SOLE   0 0 13,250
FREEPORT-MCMORAN INC CL B 35671D857 228 8,358 SH   SOLE   0 0 8,358
GENERAL DYNAMICS CORP COM 369550108 220 1,039 SH   SOLE   0 0 1,039
GENERAL MTRS CO COM 37045V100 282 8,785 SH   SOLE   0 0 8,785
GILEAD SCIENCES INC COM 375558103 201 3,256 SH   SOLE   0 0 3,256
GLACIER BANCORP INC NEW COM 37637Q105 1,110 22,600 SH   SOLE   0 0 22,600
GLOBAL X FDS US PFD ETF 37954Y657 632 30,802 SH   SOLE   0 0 30,802
HOME DEPOT INC COM 437076102 819 2,969 SH   SOLE   0 0 2,969
INTEL CORP COM 458140100 553 21,442 SH   SOLE   0 0 21,442
INTERNATIONAL BUSINESS MACHS COM 459200101 3,401 28,622 SH   SOLE   0 0 28,622
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 237 19,909 SH   SOLE   0 0 19,909
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 1,364 64,980 SH   SOLE   0 0 64,980
INVESCO QQQ TR UNIT SER 1 46090E103 498 1,865 SH   SOLE   0 0 1,865
ISHARES INC ESG AWR MSCI EM 46434G863 761 27,513 SH   SOLE   0 0 27,513
ISHARES TR 10-20 YR TRS ETF 464288653 1,617 14,840 SH   SOLE   0 0 14,840
ISHARES TR 3 7 YR TREAS BD 464288661 296 2,586 SH   SOLE   0 0 2,586
ISHARES TR CONV BD ETF 46435G102 294 4,260 SH   SOLE   0 0 4,260
ISHARES TR CORE HIGH DV ETF 46429B663 502 5,502 SH   SOLE   0 0 5,502
ISHARES TR CORE MSCI EAFE 46432F842 717 13,614 SH   SOLE   0 0 13,614
ISHARES TR CORE S&P MCP ETF 464287507 2,672 12,186 SH   SOLE   0 0 12,186
ISHARES TR CORE S&P SCP ETF 464287804 2,099 24,072 SH   SOLE   0 0 24,072
ISHARES TR CORE S&P500 ETF 464287200 5,242 14,617 SH   SOLE   0 0 14,617
ISHARES TR CORE TOTAL USD 46434V613 7,515 168,878 SH   SOLE   0 0 168,878
ISHARES TR CORE US AGGBD ET 464287226 211 2,195 SH   SOLE   0 0 2,195
ISHARES TR EAFE GRWTH ETF 464288885 5,719 78,814 SH   SOLE   0 0 78,814
ISHARES TR EAFE VALUE ETF 464288877 7,286 189,100 SH   SOLE   0 0 189,100
ISHARES TR ESG AWR MSCI USA 46435G425 18,175 228,879 SH   SOLE   0 0 228,879
ISHARES TR FALN ANGLS USD 46435G474 1,539 64,387 SH   SOLE   0 0 64,387
ISHARES TR GLOBAL TECH ETF 464287291 481 11,407 SH   SOLE   0 0 11,407
ISHARES TR MBS ETF 464288588 2,983 32,574 SH   SOLE   0 0 32,574
ISHARES TR MSCI EAFE MIN VL 46429B689 955 16,752 SH   SOLE   0 0 16,752
ISHARES TR MSCI USA MIN VOL 46429B697 934 14,131 SH   SOLE   0 0 14,131
ISHARES TR MSCI USA QLT FCT 46432F339 602 5,789 SH   SOLE   0 0 5,789
ISHARES TR MSCI USA VALUE 46432F388 2,180 26,627 SH   SOLE   0 0 26,627
ISHARES TR NATIONAL MUN ETF 464288414 344 3,351 SH   SOLE   0 0 3,351
ISHARES TR NEW YORK MUN ETF 464288323 213 4,207 SH   SOLE   0 0 4,207
ISHARES TR RUS 1000 GRW ETF 464287614 6,600 31,370 SH   SOLE   0 0 31,370
ISHARES TR RUSSELL 2000 ETF 464287655 387 2,345 SH   SOLE   0 0 2,345
ISHARES TR SHORT TREAS BD 464288679 8,503 77,297 SH   SOLE   0 0 77,297
ISHARES TR SHRT NAT MUN ETF 464288158 932 9,083 SH   SOLE   0 0 9,083
ISHARES TR TIPS BD ETF 464287176 282 2,685 SH   SOLE   0 0 2,685
ISHARES TR U.S. ENERGY ETF 464287796 447 11,363 SH   SOLE   0 0 11,363
ISHARES TR U.S. TECH ETF 464287721 1,142 15,569 SH   SOLE   0 0 15,569
ISHARES TR US AER DEF ETF 464288760 877 9,612 SH   SOLE   0 0 9,612
ISHARES TR US TREAS BD ETF 46429B267 793 34,839 SH   SOLE   0 0 34,839
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 3,525 98,686 SH   SOLE   0 0 98,686
JOHNSON & JOHNSON COM 478160104 2,663 16,302 SH   SOLE   0 0 16,302
JPMORGAN CHASE & CO COM 46625H100 2,470 23,637 SH   SOLE   0 0 23,637
KIMBERLY-CLARK CORP COM 494368103 225 2,000 SH   SOLE   0 0 2,000
KINDER MORGAN INC DEL COM 49456B101 345 20,725 SH   SOLE   0 0 20,725
KLA CORP COM NEW 482480100 215 711 SH   SOLE   0 0 711
LILLY ELI & CO COM 532457108 419 1,296 SH   SOLE   0 0 1,296
LOCKHEED MARTIN CORP COM 539830109 521 1,348 SH   SOLE   0 0 1,348
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 1,173 24,690 SH   SOLE   0 0 24,690
MASTERCARD INCORPORATED CL A 57636Q104 303 1,064 SH   SOLE   0 0 1,064
MCDONALDS CORP COM 580135101 468 2,027 SH   SOLE   0 0 2,027
MEDTRONIC PLC SHS G5960L103 285 3,531 SH   SOLE   0 0 3,531
MERCK & CO INC COM 58933Y105 7,204 83,646 SH   SOLE   0 0 83,646
META PLATFORMS INC CL A 30303M102 980 7,226 SH   SOLE   0 0 7,226
MICROSOFT CORP COM 594918104 4,477 19,224 SH   SOLE   0 0 19,224
NETFLIX INC COM 64110L106 347 1,472 SH   SOLE   0 0 1,472
NEWMONT CORP COM 651639106 604 14,377 SH   SOLE   0 0 14,377
NEXTERA ENERGY INC COM 65339F101 632 8,055 SH   SOLE   0 0 8,055
NIKE INC CL B 654106103 251 3,024 SH   SOLE   0 0 3,024
NVIDIA CORPORATION COM 67066G104 401 3,306 SH   SOLE   0 0 3,306
PALO ALTO NETWORKS INC COM 697435105 413 2,520 SH   SOLE   0 0 2,520
PAYCHEX INC COM 704326107 234 2,089 SH   SOLE   0 0 2,089
PAYPAL HLDGS INC COM 70450Y103 259 3,012 SH   SOLE   0 0 3,012
PFIZER INC COM 717081103 2,799 63,958 SH   SOLE   0 0 63,958
PGIM ETF TR PGIM ULTRA SH BD 69344A107 6,376 129,902 SH   SOLE   0 0 129,902
PHILIP MORRIS INTL INC COM 718172109 1,147 13,821 SH   SOLE   0 0 13,821
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201 367 13,091 SH   SOLE   0 0 13,091
PROCTER AND GAMBLE CO COM 742718109 747 5,914 SH   SOLE   0 0 5,914
QUALCOMM INC COM 747525103 1,195 10,581 SH   SOLE   0 0 10,581
RAYTHEON TECHNOLOGIES CORP COM 75513E101 597 7,287 SH   SOLE   0 0 7,287
REALTY INCOME CORP COM 756109104 437 7,516 SH   SOLE   0 0 7,516
SALESFORCE INC COM 79466L302 582 4,044 SH   SOLE   0 0 4,044
SCHWAB CHARLES CORP COM 808513105 450 6,263 SH   SOLE   0 0 6,263
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 4,482 96,804 SH   SOLE   0 0 96,804
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 365 16,310 SH   SOLE   0 0 16,310
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 13,179 268,192 SH   SOLE   0 0 268,192
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 14,901 308,759 SH   SOLE   0 0 308,759
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 9,670 213,414 SH   SOLE   0 0 213,414
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,016 75,515 SH   SOLE   0 0 75,515
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,929 51,022 SH   SOLE   0 0 51,022
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,403 65,698 SH   SOLE   0 0 65,698
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,350 32,636 SH   SOLE   0 0 32,636
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 498 4,109 SH   SOLE   0 0 4,109
SOUTHERN CO COM 842587107 268 3,940 SH   SOLE   0 0 3,940
SPDR S&P 500 ETF TR TR UNIT 78462F103 510 1,429 SH   SOLE   0 0 1,429
SPDR SER TR NUVEEN BLMBRG SH 78468R739 203 4,400 SH   SOLE   0 0 4,400
SPDR SER TR PORTFOLIO S&P500 78464A854 18,970 451,766 SH   SOLE   0 0 451,766
SPDR SER TR S&P DIVID ETF 78464A763 330 2,957 SH   SOLE   0 0 2,957
STARBUCKS CORP COM 855244109 693 8,229 SH   SOLE   0 0 8,229
TARGET CORP COM 87612E106 308 2,074 SH   SOLE   0 0 2,074
TESLA INC COM 88160R101 345 1,302 SH   SOLE   0 0 1,302
TEXAS INSTRS INC COM 882508104 279 1,805 SH   SOLE   0 0 1,805
TRUIST FINL CORP COM 89832Q109 682 15,659 SH   SOLE   0 0 15,659
UNILEVER PLC SPON ADR NEW 904767704 613 13,993 SH   SOLE   0 0 13,993
UNITED PARCEL SERVICE INC CL B 911312106 242 1,496 SH   SOLE   0 0 1,496
UNITEDHEALTH GROUP INC COM 91324P102 1,229 2,433 SH   SOLE   0 0 2,433
US BANCORP DEL COM NEW 902973304 301 7,470 SH   SOLE   0 0 7,470
VALLEY NATL BANCORP COM 919794107 670 62,003 SH   SOLE   0 0 62,003
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,266 83,753 SH   SOLE   0 0 83,753
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 263 802 SH   SOLE   0 0 802
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,866 10,396 SH   SOLE   0 0 10,396
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 962 20,000 SH   SOLE   0 0 20,000
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,520 26,044 SH   SOLE   0 0 26,044
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 208 5,726 SH   SOLE   0 0 5,726
VANGUARD WORLD FD MEGA CAP INDEX 921910873 328 2,625 SH   SOLE   0 0 2,625
VANGUARD WORLD FDS ENERGY ETF 92204A306 203 2,000 SH   SOLE   0 0 2,000
VERIZON COMMUNICATIONS INC COM 92343V104 1,006 26,502 SH   SOLE   0 0 26,502
VISA INC COM CL A 92826C839 449 2,525 SH   SOLE   0 0 2,525
WALMART INC COM 931142103 1,709 13,180 SH   SOLE   0 0 13,180
WELLS FARGO CO NEW COM 949746101 313 7,787 SH   SOLE   0 0 7,787
WISDOMTREE TR EM EX ST-OWNED 97717X578 2,069 84,026 SH   SOLE   0 0 84,026
WISDOMTREE TR JAPN HEDGE EQT 97717W851 301 4,876 SH   SOLE   0 0 4,876
WP CAREY INC COM 92936U109 1,406 20,140 SH   SOLE   0 0 20,140