Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHO	SCHWAB STRATEGIC TR	713,899	$34.31M	10.0%	$48.36	—	SHT TM US TRES	808524862
SCHG	SCHWAB STRATEGIC TR	328,020	$24.59M	7.2%	$57.20	—	US LCAP GR ETF	808524300
VTV	VANGUARD INDEX FDS	147,453	$20.95M	6.1%	$140.42	—	VALUE ETF	922908744
BSV	VANGUARD BD INDEX FDS	253,072	$19.12M	5.6%	$75.26	—	SHORT TRM BOND	921937827
SCHR	SCHWAB STRATEGIC TR	375,438	$18.5M	5.4%	$51.09	—	INT-TRM U.S TRES	808524854
AAPL	APPLE INC	69,422	$13.47M	3.9%	$89.62	+92.0%	COM	037833100
SCHF	SCHWAB STRATEGIC TR	309,560	$11.04M	3.2%	$32.66	—	INTL EQTY ETF	808524805
MRK	MERCK & CO INC	83,357	$9.619M	2.8%	$60.31	+73.2%	COM	58933Y105
IWF	ISHARES TR	29,647	$8.158M	2.4%	$143.90	—	RUS 1000 GRW ETF	464287614
STIP	ISHARES TR	73,570	$7.18M	2.1%	$97.18	—	0-5 YR TIPS ETF	46429B747
VCIT	VANGUARD SCOTTSDALE FDS	90,539	$7.155M	2.1%	$77.89	—	INT-TERM CORP	92206C870
MSFT	MICROSOFT CORP	18,777	$6.394M	1.9%	$155.29	+97.8%	COM	594918104
SHV	ISHARES TR	56,446	$6.234M	1.8%	$110.00	—	SHORT TREAS BD	464288679
VWO	VANGUARD INTL EQUITY INDEX F	150,404	$6.118M	1.8%	$39.28	—	FTSE EMR MKT ETF	922042858
VO	VANGUARD INDEX FDS	26,016	$5.728M	1.7%	$205.65	—	MID CAP ETF	922908629
DFAS	DIMENSIONAL ETF TRUST	99,258	$5.439M	1.6%	$51.62	—	US SMALL CAP ETF	25434V500
IVV	ISHARES TR	11,439	$5.098M	1.5%	$321.36	—	CORE S&P500 ETF	464287200
SCHD	SCHWAB STRATEGIC TR	68,794	$4.996M	1.5%	$49.20	—	US DIVIDEND EQ	808524797
PULS	PGIM ETF TR	95,622	$4.725M	1.4%	$49.08	—	PGIM ULTRA SH BD	69344A107
VIG	VANGUARD SPECIALIZED FUNDS	25,938	$4.213M	1.2%	$103.16	—	DIV APP ETF	921908844
XOM	EXXON MOBIL CORP	35,761	$3.835M	1.1%	$52.85	+88.5%	COM	30231G102
IBM	INTERNATIONAL BUSINESS MACHS	28,079	$3.757M	1.1%	$99.79	+18.3%	COM	459200101
CVX	CHEVRON CORP NEW	23,253	$3.659M	1.1%	$88.13	+62.5%	COM	166764100
GOOGL	ALPHABET INC	28,818	$3.45M	1.0%	$106.41	+7.4%	CAP STK CL A	02079K305
JPM	JPMORGAN CHASE & CO	23,202	$3.374M	1.0%	$92.73	+39.8%	COM	46625H100
AMZN	AMAZON COM INC	25,639	$3.342M	1.0%	$122.22	-6.6%	COM	023135106
ESGU	ISHARES TR	34,258	$3.339M	1.0%	$80.44	—	ESG AWR MSCI USA	46435G425
IJH	ISHARES TR	11,137	$2.912M	0.9%	$174.00	—	CORE S&P MCP ETF	464287507
VWOB	VANGUARD WHITEHALL FDS	45,445	$2.83M	0.8%	$61.24	—	EM MK GOV BD ETF	921946885
GOOG	ALPHABET INC	22,790	$2.757M	0.8%	$107.02	+7.4%	CAP STK CL C	02079K107
BRK/B	BERKSHIRE HATHAWAY INC DEL	7,810	$2.663M	0.8%	$223.63	+45.9%	CL B NEW	084670702
EPD	ENTERPRISE PRODS PARTNERS L	99,058	$2.61M	0.8%	$24.40	—	COM	293792107
VTI	VANGUARD INDEX FDS	10,704	$2.358M	0.7%	$139.79	—	TOTAL STK MKT	922908769
JNJ	JOHNSON & JOHNSON	13,922	$2.304M	0.7%	$118.15	+26.0%	COM	478160104
CAT	CATERPILLAR INC	9,356	$2.302M	0.7%	$118.40	+80.5%	COM	149123101
META	META PLATFORMS INC	7,915	$2.271M	0.7%	$180.25	+36.0%	CL A	30303M102
SCHH	SCHWAB STRATEGIC TR	114,419	$2.235M	0.7%	$19.31	—	US REIT ETF	808524847
ENB	ENBRIDGE INC	58,600	$2.177M	0.6%	$23.13	+38.7%	COM	29250N105
PFE	PFIZER INC	54,695	$2.006M	0.6%	$28.32	+17.3%	COM	717081103
WMT	WALMART INC	12,404	$1.95M	0.6%	$32.27	+51.7%	COM	931142103
GLTR	ABRDN PRECIOUS METALS BASKET	21,556	$1.87M	0.5%	$63.89	—	PHYSCL PRECS MET	003263100
VTEB	VANGUARD MUN BD FDS	36,895	$1.853M	0.5%	$49.60	—	TAX EXEMPT BD	922907746
BAC	BANK AMERICA CORP	61,860	$1.775M	0.5%	$25.32	+5.2%	COM	060505104
PM	PHILIP MORRIS INTL INC	14,602	$1.425M	0.4%	$59.50	+42.0%	COM	718172109
CSCO	CISCO SYS INC	25,134	$1.3M	0.4%	$39.17	+16.2%	COM	17275R102
QCOM	QUALCOMM INC	10,907	$1.298M	0.4%	$80.37	+34.8%	COM	747525103
IJR	ISHARES TR	12,699	$1.265M	0.4%	$75.73	—	CORE S&P SCP ETF	464287804
MMM	3M CO	11,868	$1.188M	0.3%	$97.11	-20.1%	COM	88579Y101
EFG	ISHARES TR	11,915	$1.137M	0.3%	$91.91	—	EAFE GRWTH ETF	464288885
UNH	UNITEDHEALTH GROUP INC	2,349	$1.129M	0.3%	$238.06	+95.3%	COM	91324P102
SUB	ISHARES TR	10,472	$1.09M	0.3%	$106.61	—	SHRT NAT MUN ETF	464288158
ITA	ISHARES TR	8,862	$1.034M	0.3%	$123.26	—	US AER DEF ETF	464288760
SPYM	SPDR SER TR	19,228	$1.002M	0.3%	$50.02	—	PORTFOLIO S&P500	78464A854
PANW	PALO ALTO NETWORKS INC	3,735	$954K	0.3%	$69.56	+49.6%	COM	697435105
PEP	PEPSICO INC	5,116	$948K	0.3%	$160.37	+6.4%	COM	713448108
ABBV	ABBVIE INC	7,032	$947K	0.3%	$67.76	+97.3%	COM	00287Y109
EFV	ISHARES TR	19,122	$936K	0.3%	$50.00	—	EAFE VALUE ETF	464288877
VZ	VERIZON COMMUNICATIONS INC	25,160	$936K	0.3%	$39.15	-20.3%	COM	92343V104
WPC	WP CAREY INC	13,432	$907K	0.3%	$67.84	—	COM	92936U109
HD	HOME DEPOT INC	2,882	$895K	0.3%	$172.82	+59.9%	COM	437076102
CMCSA	COMCAST CORP NEW	20,668	$859K	0.3%	$33.20	+10.4%	CL A	20030N101
BA	BOEING CO	3,997	$844K	0.2%	$239.34	-13.2%	COM	097023105
NVDA	NVIDIA CORPORATION	1,958	$828K	0.2%	$17.07	+94.4%	COM	67066G104
CMI	CUMMINS INC	3,325	$815K	0.2%	$192.50	+10.6%	COM	231021106
SBUX	STARBUCKS CORP	8,061	$799K	0.2%	$72.30	+34.5%	COM	855244109
PG	PROCTER AND GAMBLE CO	5,173	$785K	0.2%	$101.68	+39.0%	COM	742718109
QUAL	ISHARES TR	5,622	$758K	0.2%	$81.59	—	MSCI USA QLT FCT	46432F339
—	UNILEVER PLC	14,403	$751K	0.2%	$45.36	—	SPON ADR NEW	904767704
FTNT	FORTINET INC	9,805	$741K	0.2%	$52.47	+29.6%	COM	34959E109
MO	ALTRIA GROUP INC	16,222	$735K	0.2%	$34.41	+6.3%	COM	02209S103
NFLX	NETFLIX INC	1,636	$721K	0.2%	$38.62	-4.6%	COM	64110L106
RTX	RAYTHEON TECHNOLOGIES CORP	7,073	$693K	0.2%	$60.88	+51.6%	COM	75513E101
QQQ	INVESCO QQQ TR	1,865	$689K	0.2%	$167.32	—	UNIT SER 1	46090E103
TSLA	TESLA INC	2,572	$673K	0.2%	$184.37	+8.5%	COM	88160R101
VLUE	ISHARES TR	7,172	$673K	0.2%	$74.87	—	MSCI USA VALUE	46432F388
ADBE	ADOBE SYSTEMS INCORPORATED	1,354	$662K	0.2%	$322.06	+25.1%	COM	00724F101
VLY	VALLEY NATL BANCORP	84,967	$658K	0.2%	$13.35	-40.4%	COM	919794107
NEE	NEXTERA ENERGY INC	8,499	$631K	0.2%	$59.46	+17.7%	COM	65339F101
CRM	SALESFORCE INC	2,896	$612K	0.2%	$161.03	+25.2%	COM	79466L302
MCD	MCDONALDS CORP	2,040	$609K	0.2%	$163.53	+67.0%	COM	580135101
FDX	FEDEX CORP	2,452	$608K	0.2%	$168.32	+28.4%	COM	31428X106
LLY	LILLY ELI & CO	1,268	$595K	0.2%	$141.36	+191.1%	COM	532457108
GBCI	GLACIER BANCORP INC NEW	18,600	$580K	0.2%	$33.73	-10.8%	COM	37637Q105
LMT	LOCKHEED MARTIN CORP	1,254	$577K	0.2%	$347.71	+24.1%	COM	539830109
EIX	EDISON INTL	8,217	$571K	0.2%	$54.23	+14.9%	COM	281020107
TSM	TAIWAN SEMICONDUCTOR MFG LTD	5,587	$564K	0.2%	$75.17	—	SPONSORED ADS	874039100
V	VISA INC	2,337	$555K	0.2%	$161.90	+38.6%	COM CL A	92826C839
XLV	SELECT SECTOR SPDR TR	4,109	$545K	0.2%	$93.04	—	SBI HEALTHCARE	81369Y209
UBER	UBER TECHNOLOGIES INC	12,599	$544K	0.2%	$28.77	+29.2%	COM	90353T100
INTC	INTEL CORP	15,934	$533K	0.2%	$40.02	-23.2%	COM	458140100
DIS	DISNEY WALT CO	5,904	$527K	0.2%	$115.95	-20.2%	COM	254687106
EELV	INVESCO EXCH TRADED FD TR II	22,410	$527K	0.2%	$20.99	—	S&P EMRNG MKTS	46138E297
TFC	TRUIST FINL CORP	16,453	$499K	0.1%	$41.62	-35.3%	COM	89832Q109
SCHW	SCHWAB CHARLES CORP	8,784	$498K	0.1%	$63.04	-20.0%	COM	808513105
T	AT&T INC	31,199	$498K	0.1%	$15.20	-2.7%	COM	00206R102
FFWM	FIRST FNDTN INC	124,306	$493K	0.1%	$12.18	-58.1%	COM	32026V104
AMGN	AMGEN INC	2,213	$491K	0.1%	$155.21	+37.7%	COM	031162100
KMI	KINDER MORGAN INC DEL	27,838	$479K	0.1%	$14.49	+2.0%	COM	49456B101
ABT	ABBOTT LABS	4,339	$473K	0.1%	$65.64	+54.6%	COM	002824100
COST	COSTCO WHSL CORP NEW	839	$452K	0.1%	$251.05	+94.0%	COM	22160K105
MGC	VANGUARD WORLD FD	2,625	$411K	0.1%	$117.70	—	MEGA CAP INDEX	921910873
DXJ	WISDOMTREE TR	4,876	$406K	0.1%	$46.42	—	JAPN HEDGE EQT	97717W851
BMY	BRISTOL-MYERS SQUIBB CO	6,330	$405K	0.1%	$36.51	+61.5%	COM	110122108
MA	MASTERCARD INCORPORATED	1,006	$396K	0.1%	$289.73	+27.7%	CL A	57636Q104
ALB	ALBEMARLE CORP	1,740	$388K	0.1%	$196.03	0.0%	COM	012653101
XLE	SELECT SECTOR SPDR TR	4,637	$376K	0.1%	$57.37	—	ENERGY	81369Y506
CVS	CVS HEALTH CORP	5,431	$375K	0.1%	$59.21	+8.6%	COM	126650100
NKE	NIKE INC	3,393	$374K	0.1%	$100.89	+10.4%	CL B	654106103
SDY	SPDR SER TR	2,957	$362K	0.1%	$89.51	—	S&P DIVID ETF	78464A763
KLAC	KLA CORP	747	$362K	0.1%	$337.24	+20.9%	COM NEW	482480100
TXN	TEXAS INSTRS INC	1,887	$340K	0.1%	$124.12	+28.2%	COM	882508104
MUB	ISHARES TR	3,147	$336K	0.1%	$109.67	—	NATIONAL MUN ETF	464288414
LYB	LYONDELLBASELL INDUSTRIES N	3,618	$332K	0.1%	$67.86	+11.9%	SHS - A -	N53745100
SCHA	SCHWAB STRATEGIC TR	7,513	$329K	0.1%	$42.37	—	US SML CAP ETF	808524607
NEM	NEWMONT CORP	7,687	$328K	0.1%	$48.83	-13.2%	COM	651639106
UPS	UNITED PARCEL SERVICE INC	1,791	$321K	0.1%	$158.45	-2.5%	CL B	911312106
UNP	UNION PAC CORP	1,558	$319K	0.1%	$190.19	-1.7%	COM	907818108
FCX	FREEPORT-MCMORAN INC	7,749	$310K	0.1%	$27.89	+31.8%	CL B	35671D857
KMB	KIMBERLY-CLARK CORP	2,173	$300K	0.1%	$96.06	+30.9%	COM	494368103
—	BARRICK GOLD CORP	17,572	$297K	0.1%	$15.80	—	COM	067901108
VOO	VANGUARD INDEX FDS	725	$295K	0.1%	$316.02	—	S&P 500 ETF SHS	922908363
TGT	TARGET CORP	2,170	$286K	0.1%	$188.25	-28.3%	COM	87612E106
VYMI	VANGUARD WHITEHALL FDS	4,439	$281K	0.1%	$63.20	—	INTL HIGH ETF	921946794
SO	SOUTHERN CO	3,940	$277K	0.1%	$37.42	+74.5%	COM	842587107
LOW	LOWES COS INC	1,192	$269K	0.1%	$188.18	+5.1%	COM	548661107
VEA	VANGUARD TAX-MANAGED FDS	5,555	$257K	0.1%	$43.31	—	VAN FTSE DEV MKT	921943858
IWM	ISHARES TR	1,345	$252K	0.1%	$160.20	—	RUSSELL 2000 ETF	464287655
GD	GENERAL DYNAMICS CORP	1,143	$246K	0.1%	$183.21	+11.7%	COM	369550108
IEFA	ISHARES TR	3,590	$242K	0.1%	$56.39	—	CORE MSCI EAFE	46432F842
AVGO	BROADCOM INC	277	$240K	0.1%	$68.73	0.0%	COM	11135F101
PYPL	PAYPAL HLDGS INC	3,526	$235K	0.1%	$121.90	-44.2%	COM	70450Y103
PAYX	PAYCHEX INC	2,089	$234K	0.1%	$61.22	+65.0%	COM	704326107
FSTA	FIDELITY COVINGTON TRUST	5,000	$227K	0.1%	$40.60	—	CONSMR STAPLES	316092303
CCI	CROWN CASTLE INC	1,992	$227K	0.1%	$102.41	0.0%	COM	22822V101
VDE	VANGUARD WORLD FDS	2,000	$226K	0.1%	$101.50	—	ENERGY ETF	92204A306
PECO	PHILLIPS EDISON & CO INC	6,580	$224K	0.1%	$34.41	—	COMMON STOCK	71844V201
NYF	ISHARES TR	4,207	$224K	0.1%	$55.86	—	NEW YORK MUN ETF	464288323
NVO	NOVO-NORDISK A S	1,375	$223K	0.1%	$159.14	—	ADR	670100205
KO	COCA COLA CO	3,625	$218K	0.1%	$44.08	+30.1%	COM	191216100
GILD	GILEAD SCIENCES INC	2,831	$218K	0.1%	$54.25	+33.8%	COM	375558103
HDV	ISHARES TR	2,163	$218K	0.1%	$91.24	—	CORE HIGH DV ETF	46429B663
PEG	PUBLIC SVC ENTERPRISE GRP IN	3,400	$213K	0.1%	$52.12	+9.6%	COM	744573106
IYE	ISHARES TR	4,929	$211K	0.1%	$29.83	—	U.S. ENERGY ETF	464287796
SLV	ISHARES SILVER TR	9,926	$207K	0.1%	$22.02	—	ISHARES	46428Q109
MDT	MEDTRONIC PLC	2,348	$207K	0.1%	$79.38	0.0%	SHS	G5960L103
PFFD	GLOBAL X FDS	10,545	$204K	0.1%	$24.69	—	US PFD ETF	37954Y657
EFA	ISHARES TR	2,786	$202K	0.1%	$72.50	—	MSCI EAFE ETF	464287465
—	BNY MELLON MUN BD INFRASTRUC	17,550	$189K	0.1%	$13.35	—	COM SHS	09662W109