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 588,001 5,754 SH   SOLE   0 0 5,754
ABBOTT LABS COM 002824100 BBG001S5N9M6 413,874 3,983 SH   SOLE   0 0 3,983
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 980,646 5,717 SH   SOLE   0 0 5,717
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 BBG001T79CF8 1,552,424 15,075 SH   SOLE   0 0 15,075
ADOBE INC COM 00724F101 BBG001S5NCQ5 828,866 1,492 SH   SOLE   0 0 1,492
ALBEMARLE CORP COM 012653101 BBG001S7SBP9 369,089 3,864 SH   SOLE   0 0 3,864
ALLSTATE CORP COM 020002101 BBG001S9BM06 259,607 1,626 SH   SOLE   0 0 1,626
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 5,421,513 29,764 SH   SOLE   0 0 29,764
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 4,422,806 24,113 SH   SOLE   0 0 24,113
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 630,503 13,842 SH   SOLE   0 0 13,842
AMAZON COM INC COM 023135106 BBG001S5PQL7 5,638,262 29,176 SH   SOLE   0 0 29,176
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 267,440 1,155 SH   SOLE   0 0 1,155
AMGEN INC COM 031162100 BBG001S5NNL6 651,771 2,086 SH   SOLE   0 0 2,086
APPLE INC COM 037833100 BBG001S5N8V8 15,489,835 73,544 SH   SOLE   0 0 73,544
ARES CAPITAL CORP COM 04010L103 BBG001SL96Z9 400,461 19,216 SH   SOLE   0 0 19,216
AT&T INC COM 00206R102 BBG001S5VWH2 466,934 24,434 SH   SOLE   0 0 24,434
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 1,589,726 39,973 SH   SOLE   0 0 39,973
BARRICK GOLD CORP COM 067901108 BBG001S5N9P3 322,925 19,360 SH   SOLE   0 0 19,360
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,752,409 6,766 SH   SOLE   0 0 6,766
BLACKROCK INC COM 09247X101 BBG001SDBP55 244,857 311 SH   SOLE   0 0 311
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109 BBG004H65YJ9 143,359 13,550 SH   SOLE   0 0 13,550
BOEING CO COM 097023105 BBG001S5P0V3 588,074 3,231 SH   SOLE   0 0 3,231
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 236,513 5,695 SH   SOLE   0 0 5,695
BROADCOM INC COM 11135F101 BBG00KHY5SY8 526,614 328 SH   SOLE   0 0 328
CATERPILLAR INC COM 149123101 BBG001S5PJ06 2,675,459 8,032 SH   SOLE   0 0 8,032
CENCORA INC COM 03073E105 BBG001S8X7P0 236,114 1,048 SH   SOLE   0 0 1,048
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 7,352,991 47,008 SH   SOLE   0 0 47,008
CHUBB LIMITED COM H1467J104 BBG001S8S1L3 405,832 1,591 SH   SOLE   0 0 1,591
CISCO SYS INC COM 17275R102 BBG001S6HC62 1,199,295 25,243 SH   SOLE   0 0 25,243
COCA COLA CO COM 191216100 BBG001S5SMQ8 232,004 3,645 SH   SOLE   0 0 3,645
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 849,224 21,686 SH   SOLE   0 0 21,686
CONOCOPHILLIPS COM 20825C104 BBG001S5TZM2 202,567 1,771 SH   SOLE   0 0 1,771
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 949,863 1,117 SH   SOLE   0 0 1,117
CUMMINS INC COM 231021106 BBG001S5Q9M3 808,636 2,920 SH   SOLE   0 0 2,920
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 246,398 4,172 SH   SOLE   0 0 4,172
DECKERS OUTDOOR CORP COM 243537107 BBG001S7GXB9 217,789 225 SH   SOLE   0 0 225
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 7,073,465 117,734 SH   SOLE   0 0 117,734
DISNEY WALT CO COM 254687106 BBG001S5QHF3 1,503,846 15,146 SH   SOLE   0 0 15,146
DOW INC COM 260557103 BBG00BN96931 203,765 3,841 SH   SOLE   0 0 3,841
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 387,790 3,869 SH   SOLE   0 0 3,869
EDISON INTL COM 281020107 BBG001S7MY75 531,681 7,404 SH   SOLE   0 0 7,404
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,031,228 1,139 SH   SOLE   0 0 1,139
EMCOR GROUP INC COM 29084Q100 BBG001S5QVG1 204,445 560 SH   SOLE   0 0 560
ENBRIDGE INC COM 29250N105 BBG001S6Q6D7 3,213,991 90,306 SH   SOLE   0 0 90,306
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 BBG001SDHNW4 210,860 13,000 SH   SOLE   0 0 13,000
ENTERPRISE PRODS PARTNERS L COM 293792107 BBG001S9P0Z1 3,152,647 108,787 SH   SOLE   0 0 108,787
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 5,040,875 43,788 SH   SOLE   0 0 43,788
FEDEX CORP COM 31428X106 BBG001S5R3M5 636,260 2,122 SH   SOLE   0 0 2,122
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 BBG005FHW240 237,014 5,000 SH   SOLE   0 0 5,000
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 BBG005FHVXB5 348,515 7,928 SH   SOLE   0 0 7,928
FIRST FNDTN INC COM 32026V104 BBG001V9VY13 831,830 126,997 SH   SOLE   0 0 126,997
FIRST TR EXCHANGE-TRADED FD NASDQ ARTFCIAL 33738R720 BBG00K4Y0TD8 245,953 5,809 SH   SOLE   0 0 5,809
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 BBG004HQLXB7 204,781 4,480 SH   SOLE   0 0 4,480
FORTINET INC COM 34959E109 BBG001S77BL6 621,082 10,305 SH   SOLE   0 0 10,305
FREEPORT-MCMORAN INC CL B 35671D857 BBG001S5R3F3 367,610 7,564 SH   SOLE   0 0 7,564
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 371,959 1,282 SH   SOLE   0 0 1,282
GLACIER BANCORP INC NEW COM 37637Q105 BBG001S6HGM5 582,192 15,600 SH   SOLE   0 0 15,600
GLOBAL X FDS ARTIFICIAL ETF 37954Y632 BBG00KX8KH01 204,196 5,731 SH   SOLE   0 0 5,731
GLOBAL X FDS RATE PREFERRED 37954Y376 BBG00VNLZSW4 250,972 10,613 SH   SOLE   0 0 10,613
GLOBAL X FDS US PFD ETF 37954Y657 BBG00HPF2LX6 389,900 19,812 SH   SOLE   0 0 19,812
HOME DEPOT INC COM 437076102 BBG001S5RTW7 778,232 2,261 SH   SOLE   0 0 2,261
INTEL CORP COM 458140100 BBG001S5SF65 604,906 19,532 SH   SOLE   0 0 19,532
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 4,827,726 27,914 SH   SOLE   0 0 27,914
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449 BBG001SS30F5 264,600 2,800 SH   SOLE   0 0 2,800
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 418,137 873 SH   SOLE   0 0 873
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 9,002,231 152,065 SH   SOLE   0 0 152,065
ISHARES SILVER TR ISHARES 46428Q109 BBG001SQLN69 263,734 9,926 SH   SOLE   0 0 9,926
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 2,732,416 46,692 SH   SOLE   0 0 46,692
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,117,050 10,473 SH   SOLE   0 0 10,473
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5,819,791 10,635 SH   SOLE   0 0 10,635
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 322,450 3,152 SH   SOLE   0 0 3,152
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 3,521,849 29,516 SH   SOLE   0 0 29,516
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 218,227 2,786 SH   SOLE   0 0 2,786
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 849,873 4,977 SH   SOLE   0 0 4,977
ISHARES TR MSCI USA VALUE 46432F388 BBG004FPWGT7 463,708 4,482 SH   SOLE   0 0 4,482
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 261,793 2,457 SH   SOLE   0 0 2,457
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 10,120,620 27,765 SH   SOLE   0 0 27,765
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 272,887 1,345 SH   SOLE   0 0 1,345
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 247,385 936 SH   SOLE   0 0 936
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 2,838,745 25,690 SH   SOLE   0 0 25,690
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,474,782 14,106 SH   SOLE   0 0 14,106
ISHARES TR U.S. MED DVC ETF 464288810 BBG001SQZT52 210,822 3,762 SH   SOLE   0 0 3,762
ISHARES TR US AER DEF ETF 464288760 BBG001SC08P5 1,170,491 8,864 SH   SOLE   0 0 8,864
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 208,129 3,672 SH   SOLE   0 0 3,672
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,722,916 11,788 SH   SOLE   0 0 11,788
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 4,178,894 20,661 SH   SOLE   0 0 20,661
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 286,489 2,073 SH   SOLE   0 0 2,073
KINDER MORGAN INC DEL COM 49456B101 BBG001TG2YZ5 391,598 19,708 SH   SOLE   0 0 19,708
KLA CORP COM NEW 482480100 BBG001S5SLM4 615,909 747 SH   SOLE   0 0 747
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 551,012 1,180 SH   SOLE   0 0 1,180
LOWES COS INC COM 548661107 BBG001S5SVL3 328,485 1,490 SH   SOLE   0 0 1,490
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 BBG001T8LMY9 277,127 2,897 SH   SOLE   0 0 2,897
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 700,121 1,587 SH   SOLE   0 0 1,587
MCDONALDS CORP COM 580135101 BBG001S5T110 415,833 1,632 SH   SOLE   0 0 1,632
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 219,015 375 SH   SOLE   0 0 375
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 333,258 4,234 SH   SOLE   0 0 4,234
MERCK & CO INC COM 58933Y105 BBG001S5TC52 10,460,481 84,495 SH   SOLE   0 0 84,495
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 4,106,368 8,144 SH   SOLE   0 0 8,144
MICROSOFT CORP COM 594918104 BBG001S5TD05 9,075,320 20,305 SH   SOLE   0 0 20,305
NETFLIX INC COM 64110L106 BBG001SF6L46 1,044,039 1,547 SH   SOLE   0 0 1,547
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 926,620 13,086 SH   SOLE   0 0 13,086
NIKE INC CL B 654106103 BBG001S6NTK2 255,730 3,393 SH   SOLE   0 0 3,393
NOVARTIS AG SPONSORED ADR 66987V109 BBG001SF5LW6 241,238 2,266 SH   SOLE   0 0 2,266
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 392,535 2,750 SH   SOLE   0 0 2,750
NUVEEN AMT FREE QLTY MUN INC COM 670657105 BBG001SKQWJ3 241,531 21,076 SH   SOLE   0 0 21,076
NUVEEN CALIFORNIA AMT QLT MU COM 670651108 BBG001S94NN7 125,100 10,000 SH   SOLE   0 0 10,000
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 3,034,142 24,560 SH   SOLE   0 0 24,560
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 1,357,735 4,005 SH   SOLE   0 0 4,005
PAYCHEX INC COM 704326107 BBG001S5V135 247,672 2,089 SH   SOLE   0 0 2,089
PEPSICO INC COM 713448108 BBG001S695T1 839,824 5,092 SH   SOLE   0 0 5,092
PFIZER INC COM 717081103 BBG001S5V466 929,384 33,216 SH   SOLE   0 0 33,216
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 728,751 14,663 SH   SOLE   0 0 14,663
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 1,479,114 14,597 SH   SOLE   0 0 14,597
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 764,569 4,636 SH   SOLE   0 0 4,636
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 250,580 3,400 SH   SOLE   0 0 3,400
QUALCOMM INC COM 747525103 BBG001S6VS70 2,081,431 10,450 SH   SOLE   0 0 10,450
REALTY INCOME CORP COM 756109104 BBG001S884K0 211,703 4,008 SH   SOLE   0 0 4,008
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 1,087,023 10,828 SH   SOLE   0 0 10,828
SALESFORCE INC COM 79466L302 BBG001SDLP09 851,515 3,312 SH   SOLE   0 0 3,312
SAP SE SPON ADR 803054204 BBG001S6RD41 213,611 1,059 SH   SOLE   0 0 1,059
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 451,793 6,131 SH   SOLE   0 0 6,131
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 14,405,848 374,957 SH   SOLE   0 0 374,957
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 27,226,778 558,269 SH   SOLE   0 0 558,269
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 27,294,836 567,106 SH   SOLE   0 0 567,106
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 22,916,029 502,765 SH   SOLE   0 0 502,765
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 4,974,229 63,969 SH   SOLE   0 0 63,969
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 28,964,374 287,231 SH   SOLE   0 0 287,231
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 389,280 8,204 SH   SOLE   0 0 8,204
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 395,773 4,342 SH   SOLE   0 0 4,342
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 582,854 3,999 SH   SOLE   0 0 3,999
SERVICENOW INC COM 81762P102 BBG001T4JFC0 374,455 476 SH   SOLE   0 0 476
SOUTHERN CO COM 842587107 BBG001S5W777 297,869 3,840 SH   SOLE   0 0 3,840
SPDR SER TR AEROSPACE DEF 78464A631 BBG0024LG8W4 5,062,267 36,164 SH   SOLE   0 0 36,164
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 1,767,450 19,257 SH   SOLE   0 0 19,257
SPDR SER TR PORTFLI HIGH YLD 78468R606 BBG0034VNBZ2 4,152,813 178,769 SH   SOLE   0 0 178,769
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 458,304 7,161 SH   SOLE   0 0 7,161
STARBUCKS CORP COM 855244109 BBG001S72KH6 706,186 9,071 SH   SOLE   0 0 9,071
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 1,322,868 7,611 SH   SOLE   0 0 7,611
TARGET CORP COM 87612E106 BBG001SC0K41 236,864 1,600 SH   SOLE   0 0 1,600
TESLA INC COM 88160R101 BBG001SQKGD7 702,672 3,551 SH   SOLE   0 0 3,551
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 340,233 1,749 SH   SOLE   0 0 1,749
TRUIST FINL CORP COM 89832Q109 BBG001S5YYC0 615,734 15,849 SH   SOLE   0 0 15,849
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 808,202 11,120 SH   SOLE   0 0 11,120
UNILEVER PLC SPON ADR NEW 904767704 BBG001S5X1K4 701,782 12,762 SH   SOLE   0 0 12,762
UNION PAC CORP COM 907818108 BBG001S5X2M0 396,408 1,752 SH   SOLE   0 0 1,752
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 273,289 1,997 SH   SOLE   0 0 1,997
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 873,890 1,716 SH   SOLE   0 0 1,716
VALLEY NATL BANCORP COM 919794107 BBG001S7H654 432,781 62,003 SH   SOLE   0 0 62,003
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 BBG001SZDBR1 386,135 7,476 SH   SOLE   0 0 7,476
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 288,852 3,766 SH   SOLE   0 0 3,766
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 BBG01L82WF19 1,664,552 16,746 SH   SOLE   0 0 16,746
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 7,176,086 29,641 SH   SOLE   0 0 29,641
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 945,746 1,891 SH   SOLE   0 0 1,891
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,857,809 10,683 SH   SOLE   0 0 10,683
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 26,393,220 164,536 SH   SOLE   0 0 164,536
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 597,712 11,928 SH   SOLE   0 0 11,928
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 7,382,011 92,356 SH   SOLE   0 0 92,356
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 10,278,333 226,395 SH   SOLE   0 0 226,395
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 4,082,001 22,361 SH   SOLE   0 0 22,361
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 274,528 5,555 SH   SOLE   0 0 5,555
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 4,010,031 63,742 SH   SOLE   0 0 63,742
VANGUARD WORLD FD ENERGY ETF 92204A306 BBG001SHTV45 255,140 2,000 SH   SOLE   0 0 2,000
VANGUARD WORLD FD MEGA CAP INDEX 921910873 BBG001T0Y6Y7 517,886 2,625 SH   SOLE   0 0 2,625
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 904,269 21,927 SH   SOLE   0 0 21,927
VISA INC COM CL A 92826C839 BBG001SRCFY3 741,215 2,824 SH   SOLE   0 0 2,824
WALMART INC COM 931142103 BBG001S5XH92 2,564,518 37,875 SH   SOLE   0 0 37,875
WISDOMTREE TR JAPN HEDGE EQT 97717W851 BBG001SHL470 550,110 4,876 SH   SOLE   0 0 4,876
WP CAREY INC COM 92936U109 BBG001S67MM3 476,788 8,661 SH   SOLE   0 0 8,661