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 1,055,378 11,273 SH   SOLE   0 0 11,273
ABBOTT LABS COM 002824100 BBG001S5N9M6 420,232 4,339 SH   SOLE   0 0 4,339
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 1,036,321 6,952 SH   SOLE   0 0 6,952
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 BBG001T79CF8 1,569,908 18,655 SH   SOLE   0 0 18,655
ADOBE INC COM 00724F101 BBG001S5NCQ5 679,187 1,332 SH   SOLE   0 0 1,332
ALBEMARLE CORP COM 012653101 BBG001S7SBP9 582,047 3,423 SH   SOLE   0 0 3,423
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 3,693,916 28,228 SH   SOLE   0 0 28,228
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 3,029,649 22,978 SH   SOLE   0 0 22,978
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 781,121 18,576 SH   SOLE   0 0 18,576
AMAZON COM INC COM 023135106 BBG001S5PQL7 3,346,434 26,325 SH   SOLE   0 0 26,325
AMGEN INC COM 031162100 BBG001S5NNL6 547,195 2,036 SH   SOLE   0 0 2,036
APPLE INC COM 037833100 BBG001S5N8V8 11,875,980 69,365 SH   SOLE   0 0 69,365
AT&T INC COM 00206R102 BBG001S5VWH2 293,266 19,525 SH   SOLE   0 0 19,525
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 1,359,061 49,637 SH   SOLE   0 0 49,637
BARRICK GOLD CORP COM 067901108 BBG001S5N9P3 197,298 13,560 SH   SOLE   0 0 13,560
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,679,094 7,648 SH   SOLE   0 0 7,648
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109 BBG004H65YJ9 174,096 17,550 SH   SOLE   0 0 17,550
BOEING CO COM 097023105 BBG001S5P0V3 721,867 3,766 SH   SOLE   0 0 3,766
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 362,460 6,245 SH   SOLE   0 0 6,245
BROADCOM INC COM 11135F101 BBG00KHY5SY8 230,071 277 SH   SOLE   0 0 277
CATERPILLAR INC COM 149123101 BBG001S5PJ06 2,382,198 8,726 SH   SOLE   0 0 8,726
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 3,939,469 23,363 SH   SOLE   0 0 23,363
CISCO SYS INC COM 17275R102 BBG001S6HC62 1,313,572 24,434 SH   SOLE   0 0 24,434
COCA COLA CO COM 191216100 BBG001S5SMQ8 217,202 3,880 SH   SOLE   0 0 3,880
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 879,573 19,837 SH   SOLE   0 0 19,837
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 483,829 856 SH   SOLE   0 0 856
CROWN CASTLE INC COM 22822V101 BBG001S7W5T3 378,703 4,115 SH   SOLE   0 0 4,115
CUMMINS INC COM 231021106 BBG001S5Q9M3 759,630 3,325 SH   SOLE   0 0 3,325
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 345,679 4,951 SH   SOLE   0 0 4,951
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 5,471,295 104,235 SH   SOLE   0 0 104,235
DISNEY WALT CO COM 254687106 BBG001S5QHF3 1,208,293 14,908 SH   SOLE   0 0 14,908
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 249,864 2,831 SH   SOLE   0 0 2,831
EDISON INTL COM 281020107 BBG001S7MY75 520,054 8,217 SH   SOLE   0 0 8,217
ELI LILLY & CO COM 532457108 BBG001S5STL8 645,630 1,202 SH   SOLE   0 0 1,202
ENBRIDGE INC COM 29250N105 BBG001S6Q6D7 2,658,884 79,275 SH   SOLE   0 0 79,275
ENTERPRISE PRODS PARTNERS L COM 293792107 BBG001S9P0Z1 2,820,697 103,058 SH   SOLE   0 0 103,058
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 4,168,916 35,456 SH   SOLE   0 0 35,456
FEDEX CORP COM 31428X106 BBG001S5R3M5 507,852 1,917 SH   SOLE   0 0 1,917
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 BBG005FHW240 212,900 5,000 SH   SOLE   0 0 5,000
FIRST FNDTN INC COM 32026V104 BBG001V9VY13 787,135 129,463 SH   SOLE   0 0 129,463
FIRST TR EXCHANGE-TRADED FD NASDQ ARTFCIAL 33738R720 BBG00K4Y0TD8 235,323 5,809 SH   SOLE   0 0 5,809
FORTINET INC COM 34959E109 BBG001S77BL6 614,673 10,475 SH   SOLE   0 0 10,475
FREEPORT-MCMORAN INC CL B 35671D857 BBG001S5R3F3 282,062 7,564 SH   SOLE   0 0 7,564
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 200,420 907 SH   SOLE   0 0 907
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 212,155 2,831 SH   SOLE   0 0 2,831
GLACIER BANCORP INC NEW COM 37637Q105 BBG001S6HGM5 530,100 18,600 SH   SOLE   0 0 18,600
HOME DEPOT INC COM 437076102 BBG001S5RTW7 764,091 2,529 SH   SOLE   0 0 2,529
INTEL CORP COM 458140100 BBG001S5SF65 512,418 14,414 SH   SOLE   0 0 14,414
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 3,959,827 28,224 SH   SOLE   0 0 28,224
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 BBG002DJ8H94 303,165 13,474 SH   SOLE   0 0 13,474
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 847,309 2,365 SH   SOLE   0 0 2,365
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 449,467 9,020 SH   SOLE   0 0 9,020
ISHARES SILVER TR ISHARES 46428Q109 BBG001SQLN69 201,895 9,926 SH   SOLE   0 0 9,926
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 6,803,106 70,193 SH   SOLE   0 0 70,193
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 231,017 3,590 SH   SOLE   0 0 3,590
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 2,401,739 9,632 SH   SOLE   0 0 9,632
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,123,659 11,912 SH   SOLE   0 0 11,912
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 4,833,235 11,255 SH   SOLE   0 0 11,255
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 921,857 10,682 SH   SOLE   0 0 10,682
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 808,128 16,516 SH   SOLE   0 0 16,516
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 2,990,188 31,841 SH   SOLE   0 0 31,841
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 665,144 5,047 SH   SOLE   0 0 5,047
ISHARES TR MSCI USA VALUE 46432F388 BBG004FPWGT7 650,644 7,172 SH   SOLE   0 0 7,172
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 391,190 3,815 SH   SOLE   0 0 3,815
ISHARES TR NEW YORK MUN ETF 464288323 BBG001T03XV5 214,683 4,207 SH   SOLE   0 0 4,207
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 7,813,456 29,375 SH   SOLE   0 0 29,375
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 319,899 1,810 SH   SOLE   0 0 1,810
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 5,908,046 53,481 SH   SOLE   0 0 53,481
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,146,272 11,144 SH   SOLE   0 0 11,144
ISHARES TR U.S. ENERGY ETF 464287796 BBG001SFGXW8 233,782 4,929 SH   SOLE   0 0 4,929
ISHARES TR US AER DEF ETF 464288760 BBG001SC08P5 939,106 8,862 SH   SOLE   0 0 8,862
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 2,103,696 13,507 SH   SOLE   0 0 13,507
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,921,283 20,144 SH   SOLE   0 0 20,144
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 262,607 2,173 SH   SOLE   0 0 2,173
KINDER MORGAN INC DEL COM 49456B101 BBG001TG2YZ5 419,772 25,318 SH   SOLE   0 0 25,318
KLA CORP COM NEW 482480100 BBG001S5SLM4 342,619 747 SH   SOLE   0 0 747
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 519,234 1,270 SH   SOLE   0 0 1,270
LOWES COS INC COM 548661107 BBG001S5SVL3 247,745 1,192 SH   SOLE   0 0 1,192
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 BBG001T8LMY9 342,625 3,618 SH   SOLE   0 0 3,618
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 398,285 1,006 SH   SOLE   0 0 1,006
MCDONALDS CORP COM 580135101 BBG001S5T110 537,350 2,040 SH   SOLE   0 0 2,040
MERCK & CO INC COM 58933Y105 BBG001S5TC52 8,531,878 82,874 SH   SOLE   0 0 82,874
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 2,327,528 7,753 SH   SOLE   0 0 7,753
MICROSOFT CORP COM 594918104 BBG001S5TD05 5,879,581 18,621 SH   SOLE   0 0 18,621
NETFLIX INC COM 64110L106 BBG001SF6L46 542,234 1,436 SH   SOLE   0 0 1,436
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 486,908 8,499 SH   SOLE   0 0 8,499
NIKE INC CL B 654106103 BBG001S6NTK2 324,439 3,393 SH   SOLE   0 0 3,393
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 250,085 2,750 SH   SOLE   0 0 2,750
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 819,521 1,884 SH   SOLE   0 0 1,884
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 875,633 3,735 SH   SOLE   0 0 3,735
PAYCHEX INC COM 704326107 BBG001S5V135 240,924 2,089 SH   SOLE   0 0 2,089
PEPSICO INC COM 713448108 BBG001S695T1 866,855 5,116 SH   SOLE   0 0 5,116
PFIZER INC COM 717081103 BBG001S5V466 1,567,515 47,257 SH   SOLE   0 0 47,257
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 4,486,021 90,645 SH   SOLE   0 0 90,645
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 1,282,418 13,852 SH   SOLE   0 0 13,852
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201 BBG011RJST56 220,693 6,580 SH   SOLE   0 0 6,580
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 681,604 4,673 SH   SOLE   0 0 4,673
QUALCOMM INC COM 747525103 BBG001S6VS70 1,211,331 10,907 SH   SOLE   0 0 10,907
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 532,434 7,398 SH   SOLE   0 0 7,398
SALESFORCE INC COM 79466L302 BBG001SDLP09 564,134 2,782 SH   SOLE   0 0 2,782
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 460,940 8,396 SH   SOLE   0 0 8,396
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 10,690,982 314,811 SH   SOLE   0 0 314,811
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 17,935,648 374,127 SH   SOLE   0 0 374,127
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 33,914,628 708,178 SH   SOLE   0 0 708,178
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 4,754,435 67,191 SH   SOLE   0 0 67,191
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 23,812,600 327,456 SH   SOLE   0 0 327,456
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 1,957,559 110,285 SH   SOLE   0 0 110,285
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 311,188 7,513 SH   SOLE   0 0 7,513
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 432,064 4,780 SH   SOLE   0 0 4,780
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 489,083 3,799 SH   SOLE   0 0 3,799
SOUTHERN CO COM 842587107 BBG001S5W777 248,525 3,840 SH   SOLE   0 0 3,840
SPDR SER TR AEROSPACE DEF 78464A631 BBG0024LG8W4 476,201 4,248 SH   SOLE   0 0 4,248
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 728,867 7,938 SH   SOLE   0 0 7,938
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 842,609 16,765 SH   SOLE   0 0 16,765
STARBUCKS CORP COM 855244109 BBG001S72KH6 735,738 8,061 SH   SOLE   0 0 8,061
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 600,218 6,907 SH   SOLE   0 0 6,907
TARGET CORP COM 87612E106 BBG001SC0K41 240,600 2,176 SH   SOLE   0 0 2,176
TESLA INC COM 88160R101 BBG001SQKGD7 715,879 2,861 SH   SOLE   0 0 2,861
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 300,052 1,887 SH   SOLE   0 0 1,887
TRUIST FINL CORP COM 89832Q109 BBG001S5YYC0 453,440 15,849 SH   SOLE   0 0 15,849
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 473,651 10,299 SH   SOLE   0 0 10,299
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 550,316 11,140 SH   SOLE   0 0 11,140
UNION PAC CORP COM 907818108 BBG001S5X2M0 317,256 1,558 SH   SOLE   0 0 1,558
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 279,163 1,791 SH   SOLE   0 0 1,791
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,105,689 2,193 SH   SOLE   0 0 2,193
VALLEY NATL BANCORP COM 919794107 BBG001S7H654 727,318 84,967 SH   SOLE   0 0 84,967
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 18,390,942 244,658 SH   SOLE   0 0 244,658
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 5,560,841 26,704 SH   SOLE   0 0 26,704
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 1,359,920 3,463 SH   SOLE   0 0 3,463
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,273,637 10,704 SH   SOLE   0 0 10,704
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 20,565,225 149,099 SH   SOLE   0 0 149,099
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 5,470,462 139,517 SH   SOLE   0 0 139,517
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,855,650 38,579 SH   SOLE   0 0 38,579
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 6,898,984 90,800 SH   SOLE   0 0 90,800
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 4,030,246 25,938 SH   SOLE   0 0 25,938
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 242,865 5,555 SH   SOLE   0 0 5,555
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 2,735,499 46,239 SH   SOLE   0 0 46,239
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 287,108 4,639 SH   SOLE   0 0 4,639
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 398,659 2,625 SH   SOLE   0 0 2,625
VANGUARD WORLD FDS ENERGY ETF 92204A306 BBG001SHTV45 253,480 2,000 SH   SOLE   0 0 2,000
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 616,827 19,032 SH   SOLE   0 0 19,032
VISA INC COM CL A 92826C839 BBG001SRCFY3 537,533 2,337 SH   SOLE   0 0 2,337
WALMART INC COM 931142103 BBG001S5XH92 1,990,970 12,449 SH   SOLE   0 0 12,449
WISDOMTREE TR JAPN HEDGE EQT 97717W851 BBG001SHL470 430,307 4,876 SH   SOLE   0 0 4,876
WP CAREY INC COM 92936U109 BBG001S67MM3 726,403 13,432 SH   SOLE   0 0 13,432