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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 BBG001S5T7X2 1,462,664 12,197 SH   SOLE   0 0 12,197
ABBOTT LABS COM 002824100 BBG001S5N9M6 508,218 4,629 SH   SOLE   0 0 4,629
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 1,668,844 10,326 SH   SOLE   0 0 10,326
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 BBG001T79CF8 1,961,365 21,981 SH   SOLE   0 0 21,981
ACTIVISION BLIZZARD INC COM 00507V109 BBG001S6C009 259,505 3,390 SH   SOLE   0 0 3,390
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 427,057 1,269 SH   SOLE   0 0 1,269
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 2,217,926 25,138 SH   SOLE   0 0 25,138
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,832,718 20,655 SH   SOLE   0 0 20,655
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 497,782 10,890 SH   SOLE   0 0 10,890
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,685,460 20,065 SH   SOLE   0 0 20,065
AMGEN INC COM 031162100 BBG001S5NNL6 581,222 2,213 SH   SOLE   0 0 2,213
APPLE INC COM 037833100 BBG001S5N8V8 9,120,469 70,195 SH   SOLE   0 0 70,195
AT&T INC COM 00206R102 BBG001S5VWH2 836,679 45,447 SH   SOLE   0 0 45,447
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 1,433,599 43,285 SH   SOLE   0 0 43,285
BARRICK GOLD CORP COM 067901108 BBG001S5N9P3 282,834 16,463 SH   SOLE   0 0 16,463
BCE INC COM NEW 05534B760 BBG001S5P2C0 201,159 4,577 SH   SOLE   0 0 4,577
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,425,792 7,853 SH   SOLE   0 0 7,853
BLACKROCK INC COM 09247X101 BBG001SDBP55 208,337 294 SH   SOLE   0 0 294
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109 BBG004H65YJ9 184,451 17,550 SH   SOLE   0 0 17,550
BOEING CO COM 097023105 BBG001S5P0V3 356,788 1,873 SH   SOLE   0 0 1,873
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 455,444 6,330 SH   SOLE   0 0 6,330
CATERPILLAR INC COM 149123101 BBG001S5PJ06 2,241,323 9,356 SH   SOLE   0 0 9,356
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 4,205,989 23,433 SH   SOLE   0 0 23,433
CISCO SYS INC COM 17275R102 BBG001S6HC62 1,231,780 25,856 SH   SOLE   0 0 25,856
COCA COLA CO COM 191216100 BBG001S5SMQ8 230,586 3,625 SH   SOLE   0 0 3,625
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 742,308 21,227 SH   SOLE   0 0 21,227
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 383,126 839 SH   SOLE   0 0 839
CUMMINS INC COM 231021106 BBG001S5Q9M3 654,183 2,700 SH   SOLE   0 0 2,700
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 883,534 9,481 SH   SOLE   0 0 9,481
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 4,137,575 80,891 SH   SOLE   0 0 80,891
DISNEY WALT CO COM 254687106 BBG001S5QHF3 625,362 7,198 SH   SOLE   0 0 7,198
EDISON INTL COM 281020107 BBG001S7MY75 552,985 8,692 SH   SOLE   0 0 8,692
ENBRIDGE INC COM 29250N105 BBG001S6Q6D7 2,373,370 60,700 SH   SOLE   0 0 60,700
ENTERPRISE PRODS PARTNERS L COM 293792107 BBG001S9P0Z1 2,156,159 89,393 SH   SOLE   0 0 89,393
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 3,977,087 36,057 SH   SOLE   0 0 36,057
FEDEX CORP COM 31428X106 BBG001S5R3M5 446,163 2,576 SH   SOLE   0 0 2,576
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 BBG005FHW240 224,050 5,000 SH   SOLE   0 0 5,000
FIRST FNDTN INC COM 32026V104 BBG001V9VY13 1,419,730 99,074 SH   SOLE   0 0 99,074
FORTINET INC COM 34959E109 BBG001S77BL6 538,034 11,005 SH   SOLE   0 0 11,005
FREEPORT-MCMORAN INC CL B 35671D857 BBG001S5R3F3 294,462 7,749 SH   SOLE   0 0 7,749
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 236,945 955 SH   SOLE   0 0 955
GENERAL MTRS CO COM 37045V100 BBG001SM1DK6 295,527 8,785 SH   SOLE   0 0 8,785
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 287,683 3,351 SH   SOLE   0 0 3,351
GLACIER BANCORP INC NEW COM 37637Q105 BBG001S6HGM5 1,067,472 21,600 SH   SOLE   0 0 21,600
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 574,359 29,652 SH   SOLE   0 0 29,652
HOME DEPOT INC COM 437076102 BBG001S5RTW7 989,706 3,133 SH   SOLE   0 0 3,133
INTEL CORP COM 458140100 BBG001S5SF65 690,008 26,107 SH   SOLE   0 0 26,107
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 3,885,042 27,575 SH   SOLE   0 0 27,575
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 BBG001T0NSB6 133,143 11,909 SH   SOLE   0 0 11,909
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 BBG002DJ8H94 1,227,123 53,330 SH   SOLE   0 0 53,330
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 496,612 1,865 SH   SOLE   0 0 1,865
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 216,173 7,189 SH   SOLE   0 0 7,189
ISHARES SILVER TR ISHARES 46428Q109 BBG001SQLN69 218,571 9,926 SH   SOLE   0 0 9,926
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 5,833,501 60,164 SH   SOLE   0 0 60,164
ISHARES TR CORE HIGH DV ETF 46429B663 BBG001V0XLT8 389,962 3,741 SH   SOLE   0 0 3,741
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 331,808 5,383 SH   SOLE   0 0 5,383
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 2,799,635 11,574 SH   SOLE   0 0 11,574
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,528,152 16,147 SH   SOLE   0 0 16,147
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 4,681,983 12,186 SH   SOLE   0 0 12,186
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 322,148 7,170 SH   SOLE   0 0 7,170
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 2,098,523 25,054 SH   SOLE   0 0 25,054
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 1,968,344 42,902 SH   SOLE   0 0 42,902
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 4,895,414 57,763 SH   SOLE   0 0 57,763
ISHARES TR FALN ANGLS USD 46435G474 BBG00D332C84 205,887 8,366 SH   SOLE   0 0 8,366
ISHARES TR GLOBAL TECH ETF 464287291 BBG001S60KQ0 217,426 4,850 SH   SOLE   0 0 4,850
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 536,373 5,783 SH   SOLE   0 0 5,783
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 659,714 5,789 SH   SOLE   0 0 5,789
ISHARES TR MSCI USA VALUE 46432F388 BBG004FPWGT7 794,376 8,716 SH   SOLE   0 0 8,716
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 566,537 5,369 SH   SOLE   0 0 5,369
ISHARES TR NEW YORK MUN ETF 464288323 BBG001T03XV5 220,447 4,207 SH   SOLE   0 0 4,207
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 6,607,804 30,843 SH   SOLE   0 0 30,843
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 234,514 1,345 SH   SOLE   0 0 1,345
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 8,102,423 73,712 SH   SOLE   0 0 73,712
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,420,366 13,622 SH   SOLE   0 0 13,622
ISHARES TR U.S. ENERGY ETF 464287796 BBG001SFGXW8 280,149 6,026 SH   SOLE   0 0 6,026
ISHARES TR US AER DEF ETF 464288760 BBG001SC08P5 991,303 8,862 SH   SOLE   0 0 8,862
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 391,238 17,220 SH   SOLE   0 0 17,220
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 BBG0059KNK04 298,724 6,063 SH   SOLE   0 0 6,063
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 2,740,526 15,514 SH   SOLE   0 0 15,514
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 3,131,771 23,354 SH   SOLE   0 0 23,354
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 294,985 2,173 SH   SOLE   0 0 2,173
KINDER MORGAN INC DEL COM 49456B101 BBG001TG2YZ5 445,871 24,661 SH   SOLE   0 0 24,661
KLA CORP COM NEW 482480100 BBG001S5SLM4 266,560 707 SH   SOLE   0 0 707
LILLY ELI & CO COM 532457108 BBG001S5STL8 467,544 1,278 SH   SOLE   0 0 1,278
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 654,156 1,345 SH   SOLE   0 0 1,345
LOWES COS INC COM 548661107 BBG001S5SVL3 237,494 1,192 SH   SOLE   0 0 1,192
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 BBG001T8LMY9 254,736 3,068 SH   SOLE   0 0 3,068
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 BBG001S731Q7 1,249,727 24,890 SH   SOLE   0 0 24,890
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 349,816 1,006 SH   SOLE   0 0 1,006
MCDONALDS CORP COM 580135101 BBG001S5T110 537,533 2,040 SH   SOLE   0 0 2,040
MERCK & CO INC COM 58933Y105 BBG001S5TC52 9,270,649 83,557 SH   SOLE   0 0 83,557
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 599,654 4,983 SH   SOLE   0 0 4,983
MICROSOFT CORP COM 594918104 BBG001S5TD05 4,556,100 18,998 SH   SOLE   0 0 18,998
NETFLIX INC COM 64110L106 BBG001SF6L46 496,283 1,683 SH   SOLE   0 0 1,683
NEWMONT CORP COM 651639106 BBG001S5TKX3 816,371 17,296 SH   SOLE   0 0 17,296
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 710,516 8,499 SH   SOLE   0 0 8,499
NIKE INC CL B 654106103 BBG001S6NTK2 397,015 3,393 SH   SOLE   0 0 3,393
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 328,230 2,246 SH   SOLE   0 0 2,246
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 521,182 3,735 SH   SOLE   0 0 3,735
PAYCHEX INC COM 704326107 BBG001S5V135 241,405 2,089 SH   SOLE   0 0 2,089
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 249,270 3,500 SH   SOLE   0 0 3,500
PEPSICO INC COM 713448108 BBG001S695T1 702,587 3,889 SH   SOLE   0 0 3,889
PFIZER INC COM 717081103 BBG001S5V466 3,176,111 61,985 SH   SOLE   0 0 61,985
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 6,093,605 124,106 SH   SOLE   0 0 124,106
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 1,463,497 14,460 SH   SOLE   0 0 14,460
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201 BBG011RJST56 347,534 10,915 SH   SOLE   0 0 10,915
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 784,020 5,173 SH   SOLE   0 0 5,173
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 208,318 3,400 SH   SOLE   0 0 3,400
QUALCOMM INC COM 747525103 BBG001S6VS70 1,269,477 11,547 SH   SOLE   0 0 11,547
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 721,174 7,146 SH   SOLE   0 0 7,146
REALTY INCOME CORP COM 756109104 BBG001S884K0 378,423 5,966 SH   SOLE   0 0 5,966
SALESFORCE INC COM 79466L302 BBG001SDLP09 383,981 2,896 SH   SOLE   0 0 2,896
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 551,264 6,621 SH   SOLE   0 0 6,621
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 8,476,190 263,154 SH   SOLE   0 0 263,154
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 18,692,237 379,692 SH   SOLE   0 0 379,692
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 32,992,831 683,931 SH   SOLE   0 0 683,931
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 541,683 11,866 SH   SOLE   0 0 11,866
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 5,631,583 74,551 SH   SOLE   0 0 74,551
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 16,278,636 292,992 SH   SOLE   0 0 292,992
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 2,050,739 106,311 SH   SOLE   0 0 106,311
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 479,420 9,257 SH   SOLE   0 0 9,257
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 468,314 5,354 SH   SOLE   0 0 5,354
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 558,208 4,109 SH   SOLE   0 0 4,109
SOUTHERN CO COM 842587107 BBG001S5W777 281,355 3,940 SH   SOLE   0 0 3,940
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 264,991 693 SH   SOLE   0 0 693
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 206,712 4,400 SH   SOLE   0 0 4,400
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 3,165,333 70,372 SH   SOLE   0 0 70,372
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 369,950 2,957 SH   SOLE   0 0 2,957
STARBUCKS CORP COM 855244109 BBG001S72KH6 814,542 8,211 SH   SOLE   0 0 8,211
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 405,524 5,444 SH   SOLE   0 0 5,444
TARGET CORP COM 87612E106 BBG001SC0K41 333,104 2,235 SH   SOLE   0 0 2,235
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 320,692 1,941 SH   SOLE   0 0 1,941
TRUIST FINL CORP COM 89832Q109 BBG001S5YYC0 693,988 16,128 SH   SOLE   0 0 16,128
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 266,812 10,789 SH   SOLE   0 0 10,789
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 725,191 14,403 SH   SOLE   0 0 14,403
UNION PAC CORP COM 907818108 BBG001S5X2M0 322,615 1,558 SH   SOLE   0 0 1,558
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 311,347 1,791 SH   SOLE   0 0 1,791
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,245,393 2,349 SH   SOLE   0 0 2,349
US BANCORP DEL COM NEW 902973304 BBG001S6T8C1 462,222 10,599 SH   SOLE   0 0 10,599
VALLEY NATL BANCORP COM 919794107 BBG001S7H654 960,977 84,967 SH   SOLE   0 0 84,967
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 17,505,762 232,542 SH   SOLE   0 0 232,542
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 4,424,715 21,710 SH   SOLE   0 0 21,710
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 281,775 802 SH   SOLE   0 0 802
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,046,498 10,704 SH   SOLE   0 0 10,704
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 17,678,057 125,939 SH   SOLE   0 0 125,939
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 4,738,955 121,574 SH   SOLE   0 0 121,574
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,651,877 33,378 SH   SOLE   0 0 33,378
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 5,710,549 73,675 SH   SOLE   0 0 73,675
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 3,954,781 26,044 SH   SOLE   0 0 26,044
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 233,143 5,555 SH   SOLE   0 0 5,555
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 2,225,343 36,493 SH   SOLE   0 0 36,493
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 347,550 2,625 SH   SOLE   0 0 2,625
VANGUARD WORLD FDS ENERGY ETF 92204A306 BBG001SHTV45 242,560 2,000 SH   SOLE   0 0 2,000
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 1,148,352 29,146 SH   SOLE   0 0 29,146
VISA INC COM CL A 92826C839 BBG001SRCFY3 510,882 2,459 SH   SOLE   0 0 2,459
WALMART INC COM 931142103 BBG001S5XH92 1,724,735 12,164 SH   SOLE   0 0 12,164
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 295,058 7,146 SH   SOLE   0 0 7,146
WISDOMTREE TR JAPN HEDGE EQT 97717W851 BBG001SHL470 313,478 4,876 SH   SOLE   0 0 4,876
WP CAREY INC COM 92936U109 BBG001S67MM3 1,577,692 20,188 SH   SOLE   0 0 20,188