Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHO	SCHWAB STRATEGIC TR	723,957	$35.08M	9.5%	$48.37	—	SHT TM US TRES	808524862
SCHG	SCHWAB STRATEGIC TR	311,254	$25.82M	7.0%	$57.20	—	US LCAP GR ETF	808524300
SCHR	SCHWAB STRATEGIC TR	494,888	$24.61M	6.6%	$50.75	—	INT-TRM U.S TRES	808524854
VTV	VANGUARD INDEX FDS	161,681	$24.17M	6.5%	$141.10	—	VALUE ETF	922908744
BIL	SPDR SER TR	224,344	$20.5M	5.5%	$91.41	—	BLOOMBERG 1-3 MO	78468R663
AAPL	APPLE INC	70,883	$13.65M	3.7%	$91.62	+99.5%	COM	037833100
SCHF	SCHWAB STRATEGIC TR	362,514	$13.4M	3.6%	$33.25	—	INTL EQTY ETF	808524805
MRK	MERCK & CO INC	85,571	$9.329M	2.5%	$61.46	+57.5%	COM	58933Y105
IWF	ISHARES TR	28,413	$8.614M	2.3%	$143.90	—	RUS 1000 GRW ETF	464287614
VCIT	VANGUARD SCOTTSDALE FDS	99,615	$8.097M	2.2%	$78.19	—	INT-TERM CORP	92206C870
EMXC	ISHARES INC	135,481	$7.507M	2.0%	$55.04	—	MSCI EMRG CHN	46434G764
MSFT	MICROSOFT CORP	19,945	$7.5M	2.0%	$168.24	+108.2%	COM	594918104
CVX	CHEVRON CORP NEW	47,077	$7.022M	1.9%	$113.15	+21.8%	COM	166764100
VO	VANGUARD INDEX FDS	29,728	$6.916M	1.9%	$208.45	—	MID CAP ETF	922908629
DFAS	DIMENSIONAL ETF TRUST	113,305	$6.755M	1.8%	$52.30	—	US SMALL CAP ETF	25434V500
IVV	ISHARES TR	11,181	$5.34M	1.4%	$321.36	—	CORE S&P500 ETF	464287200
SCHD	SCHWAB STRATEGIC TR	64,780	$4.932M	1.3%	$49.20	—	US DIVIDEND EQ	808524797
IBM	INTERNATIONAL BUSINESS MACHS	28,728	$4.698M	1.3%	$100.52	+40.8%	COM	459200101
XAR	SPDR SER TR	34,366	$4.654M	1.3%	$132.54	—	AEROSPACE DEF	78464A631
SHV	ISHARES TR	40,277	$4.436M	1.2%	$110.00	—	SHORT TREAS BD	464288679
AMZN	AMAZON COM INC	29,077	$4.418M	1.2%	$124.20	+12.9%	COM	023135106
VIG	VANGUARD SPECIALIZED FUNDS	25,784	$4.394M	1.2%	$103.16	—	DIV APP ETF	921908844
GOOGL	ALPHABET INC	29,143	$4.071M	1.1%	$107.26	+24.3%	CAP STK CL A	02079K305
XOM	EXXON MOBIL CORP	37,607	$3.76M	1.0%	$55.41	+76.1%	COM	30231G102
JPM	JPMORGAN CHASE & CO	20,625	$3.508M	0.9%	$93.95	+54.2%	COM	46625H100
VWOB	VANGUARD WHITEHALL FDS	54,280	$3.46M	0.9%	$61.58	—	EM MK GOV BD ETF	921946885
PULS	PGIM ETF TR	69,030	$3.409M	0.9%	$49.08	—	PGIM ULTRA SH BD	69344A107
GOOG	ALPHABET INC	23,383	$3.295M	0.9%	$107.50	+25.3%	CAP STK CL C	02079K107
ESGU	ISHARES TR	30,821	$3.234M	0.9%	$80.44	—	ESG AWR MSCI USA	46435G425
SPHY	SPDR SER TR	133,308	$3.117M	0.8%	$23.38	—	PORTFLI HIGH YLD	78468R606
BRK/B	BERKSHIRE HATHAWAY INC DEL	8,147	$2.906M	0.8%	$231.44	+51.7%	CL B NEW	084670702
META	META PLATFORMS INC	7,875	$2.787M	0.8%	$182.46	+77.2%	CL A	30303M102
ENB	ENBRIDGE INC	77,300	$2.784M	0.8%	$25.02	+17.5%	COM	29250N105
EPD	ENTERPRISE PRODS PARTNERS L	105,593	$2.782M	0.8%	$24.56	—	COM	293792107
IJH	ISHARES TR	9,338	$2.588M	0.7%	$174.00	—	CORE S&P MCP ETF	464287507
VTI	VANGUARD INDEX FDS	10,681	$2.534M	0.7%	$139.79	—	TOTAL STK MKT	922908769
CAT	CATERPILLAR INC	8,287	$2.45M	0.7%	$118.40	+112.2%	COM	149123101
JNJ	JOHNSON & JOHNSON	13,344	$2.092M	0.6%	$118.15	+21.5%	COM	478160104
VTEB	VANGUARD MUN BD FDS	39,740	$2.029M	0.5%	$49.58	—	TAX EXEMPT BD	922907746
WMT	WALMART INC	12,325	$1.943M	0.5%	$32.27	+60.0%	COM	931142103
DIS	DISNEY WALT CO	17,375	$1.569M	0.4%	$94.88	-9.1%	COM	254687106
QCOM	QUALCOMM INC	10,707	$1.549M	0.4%	$80.37	+47.2%	COM	747525103
GLTR	ABRDN PRECIOUS METALS BASKET	16,655	$1.516M	0.4%	$63.89	—	PHYSCL PRECS MET	003263100
BAC	BANK AMERICA CORP	43,563	$1.467M	0.4%	$25.32	+9.1%	COM	060505104
PM	PHILIP MORRIS INTL INC	15,472	$1.456M	0.4%	$62.04	+34.9%	COM	718172109
BA	BOEING CO	5,380	$1.402M	0.4%	$231.69	-7.7%	COM	097023105
SUB	ISHARES TR	12,487	$1.317M	0.4%	$106.28	—	SHRT NAT MUN ETF	464288158
CSCO	CISCO SYS INC	25,221	$1.274M	0.3%	$39.44	+21.6%	COM	17275R102
FFWM	FIRST FNDTN INC	126,997	$1.229M	0.3%	$11.96	-46.9%	COM	32026V104
NVDA	NVIDIA CORPORATION	2,450	$1.213M	0.3%	$23.82	+94.4%	COM	67066G104
PANW	PALO ALTO NETWORKS INC	4,005	$1.181M	0.3%	$73.89	+81.0%	COM	697435105
IJR	ISHARES TR	10,570	$1.144M	0.3%	$75.73	—	CORE S&P SCP ETF	464287804
ITA	ISHARES TR	8,862	$1.122M	0.3%	$123.26	—	US AER DEF ETF	464288760
ABBV	ABBVIE INC	6,892	$1.068M	0.3%	$67.76	+100.3%	COM	00287Y109
QQQ	INVESCO QQQ TR	2,572	$1.053M	0.3%	$223.93	—	UNIT SER 1	46090E103
PFE	PFIZER INC	34,350	$989K	0.3%	$28.32	-6.8%	COM	717081103
UNH	UNITEDHEALTH GROUP INC	1,860	$979K	0.3%	$238.06	+114.8%	COM	91324P102
MMM	3M CO	8,886	$971K	0.3%	$97.11	-22.2%	COM	88579Y101
RTX	RTX CORPORATION	11,182	$941K	0.3%	$66.46	+13.8%	COM	75513E101
VLY	VALLEY NATL BANCORP	84,967	$923K	0.2%	$13.35	-32.8%	COM	919794107
ADBE	ADOBE INC	1,545	$922K	0.2%	$357.17	+61.5%	COM	00724F101
CMCSA	COMCAST CORP NEW	20,913	$917K	0.2%	$33.56	+19.5%	CL A	20030N101
INTC	INTEL CORP	17,902	$900K	0.2%	$40.02	+0.0%	COM	458140100
HD	HOME DEPOT INC	2,530	$877K	0.2%	$172.82	+70.0%	COM	437076102
CRM	SALESFORCE INC	3,200	$842K	0.2%	$169.20	+32.1%	COM	79466L302
VOO	VANGUARD INDEX FDS	1,897	$829K	0.2%	$376.65	—	S&P 500 ETF SHS	922908363
TSM	TAIWAN SEMICONDUCTOR MFG LTD	7,847	$816K	0.2%	$80.59	—	SPONSORED ADS	874039100
CMI	CUMMINS INC	3,325	$797K	0.2%	$192.50	+12.6%	COM	231021106
SBUX	STARBUCKS CORP	8,061	$774K	0.2%	$72.30	+27.5%	COM	855244109
NFLX	NETFLIX INC	1,547	$753K	0.2%	$38.98	+12.0%	COM	64110L106
QUAL	ISHARES TR	5,047	$743K	0.2%	$81.59	—	MSCI USA QLT FCT	46432F339
COST	COSTCO WHSL CORP NEW	1,117	$738K	0.2%	$330.67	+73.4%	COM	22160K105
V	VISA INC	2,811	$732K	0.2%	$175.52	+38.3%	COM CL A	92826C839
PEP	PEPSICO INC	4,291	$729K	0.2%	$160.37	-4.1%	COM	713448108
VZ	VERIZON COMMUNICATIONS INC	18,632	$702K	0.2%	$39.15	-20.8%	COM	92343V104
LLY	ELI LILLY & CO	1,202	$701K	0.2%	$141.36	+306.8%	COM	532457108
PG	PROCTER AND GAMBLE CO	4,736	$694K	0.2%	$102.20	+37.6%	COM	742718109
TSLA	TESLA INC	2,791	$694K	0.2%	$191.69	+24.0%	COM	88160R101
WPC	WP CAREY INC	10,550	$684K	0.2%	$67.84	—	COM	92936U109
MO	ALTRIA GROUP INC	16,183	$653K	0.2%	$34.66	+0.4%	COM	02209S103
GBCI	GLACIER BANCORP INC NEW	15,600	$645K	0.2%	$33.73	-5.7%	COM	37637Q105
MA	MASTERCARD INCORPORATED	1,487	$634K	0.2%	$324.47	+22.4%	CL A	57636Q104
UBER	UBER TECHNOLOGIES INC	10,198	$628K	0.2%	$28.77	+81.8%	COM	90353T100
—	UNILEVER PLC	12,762	$619K	0.2%	$45.76	—	SPON ADR NEW	904767704
FTNT	FORTINET INC	10,475	$613K	0.2%	$53.35	+3.6%	COM	34959E109
MCD	MCDONALDS CORP	2,040	$605K	0.2%	$163.53	+58.2%	COM	580135101
NEE	NEXTERA ENERGY INC	9,881	$600K	0.2%	$58.62	-8.8%	COM	65339F101
ALB	ALBEMARLE CORP	4,150	$600K	0.2%	$182.92	-27.8%	COM	012653101
EIX	EDISON INTL	8,217	$587K	0.2%	$54.23	+9.8%	COM	281020107
AMGN	AMGEN INC	2,036	$586K	0.2%	$155.21	+64.4%	COM	031162100
TFC	TRUIST FINL CORP	15,869	$586K	0.2%	$41.62	-32.2%	COM	89832Q109
SCHW	SCHWAB CHARLES CORP	8,396	$578K	0.2%	$63.04	-11.0%	COM	808513105
LMT	LOCKHEED MARTIN CORP	1,233	$559K	0.2%	$348.56	+19.8%	COM	539830109
CCI	CROWN CASTLE INC	4,734	$545K	0.1%	$95.50	-4.9%	COM	22822V101
FDX	FEDEX CORP	2,122	$537K	0.1%	$175.47	+38.1%	COM	31428X106
XLV	SELECT SECTOR SPDR TR	3,799	$518K	0.1%	$93.04	—	SBI HEALTHCARE	81369Y209
VLUE	ISHARES TR	4,482	$453K	0.1%	$74.87	—	MSCI USA VALUE	46432F388
MGC	VANGUARD WORLD FD	2,625	$444K	0.1%	$117.70	—	MEGA CAP INDEX	921910873
AVGO	BROADCOM INC	394	$440K	0.1%	$75.71	+21.8%	COM	11135F101
ABT	ABBOTT LABS	3,983	$438K	0.1%	$65.64	+46.4%	COM	002824100
T	AT&T INC	25,953	$435K	0.1%	$14.96	-5.0%	COM	00206R102
KLAC	KLA CORP	747	$434K	0.1%	$337.24	+51.5%	COM NEW	482480100
UNP	UNION PAC CORP	1,752	$430K	0.1%	$192.30	+8.8%	COM	907818108
DXJ	WISDOMTREE TR	4,876	$429K	0.1%	$46.42	—	JAPN HEDGE EQT	97717W851
KMI	KINDER MORGAN INC DEL	23,218	$410K	0.1%	$14.49	+5.8%	COM	49456B101
CVS	CVS HEALTH CORP	5,110	$403K	0.1%	$59.40	+10.1%	COM	126650100
SPYM	SPDR SER TR	7,161	$400K	0.1%	$50.02	—	PORTFOLIO S&P500	78464A854
XLE	SELECT SECTOR SPDR TR	4,588	$385K	0.1%	$58.35	—	ENERGY	81369Y506
DUK	DUKE ENERGY CORP NEW	3,852	$374K	0.1%	$83.63	+0.3%	COM NEW	26441C204
NKE	NIKE INC	3,393	$368K	0.1%	$100.89	+2.1%	CL B	654106103
CB	CHUBB LIMITED	1,591	$360K	0.1%	$213.74	0.0%	COM	H1467J104
LYB	LYONDELLBASELL INDUSTRIES N	3,618	$344K	0.1%	$67.86	+17.7%	SHS - A -	N53745100
UPS	UNITED PARCEL SERVICE INC	2,178	$342K	0.1%	$154.15	-12.9%	CL B	911312106
MUB	ISHARES TR	3,112	$337K	0.1%	$108.42	—	NATIONAL MUN ETF	464288414
GD	GENERAL DYNAMICS CORP	1,296	$337K	0.1%	$198.53	+18.0%	COM	369550108
NOW	SERVICENOW INC	476	$336K	0.1%	$126.04	0.0%	COM	81762P102
LOW	LOWES COS INC	1,490	$332K	0.1%	$189.49	+2.8%	COM	548661107
FCX	FREEPORT-MCMORAN INC	7,564	$322K	0.1%	$27.89	+28.7%	CL B	35671D857
MDT	MEDTRONIC PLC	3,869	$319K	0.1%	$71.45	0.0%	SHS	G5960L103
BSV	VANGUARD BD INDEX FDS	4,116	$317K	0.1%	$75.26	—	SHORT TRM BOND	921937827
BMY	BRISTOL-MYERS SQUIBB CO	5,968	$306K	0.1%	$36.51	+28.8%	COM	110122108
EFG	ISHARES TR	3,152	$305K	0.1%	$91.91	—	EAFE GRWTH ETF	464288885
TXN	TEXAS INSTRS INC	1,749	$298K	0.1%	$124.12	+17.2%	COM	882508104
NVO	NOVO-NORDISK A S	2,750	$284K	0.1%	$125.04	—	ADR	670100205
SCHA	SCHWAB STRATEGIC TR	5,954	$281K	0.1%	$42.37	—	US SML CAP ETF	808524607
IWM	ISHARES TR	1,345	$270K	0.1%	$164.45	—	RUSSELL 2000 ETF	464287655
SO	SOUTHERN CO	3,840	$269K	0.1%	$37.42	+70.4%	COM	842587107
—	BARRICK GOLD CORP	14,860	$269K	0.1%	$16.00	—	COM	067901108
VEA	VANGUARD TAX-MANAGED FDS	5,555	$266K	0.1%	$43.31	—	VAN FTSE DEV MKT	921943858
ROBT	FIRST TR EXCHANGE-TRADED FD	5,809	$264K	0.1%	$40.51	—	NASDQ ARTFCIAL	33738R720
KMB	KIMBERLY-CLARK CORP	2,173	$264K	0.1%	$96.06	+15.8%	COM	494368103
NVS	NOVARTIS AG	2,486	$251K	0.1%	$100.97	—	SPONSORED ADR	66987V109
PAYX	PAYCHEX INC	2,089	$249K	0.1%	$61.22	+81.4%	COM	704326107
EQWL	INVESCO EXCHANGE TRADED FD T	2,800	$245K	0.1%	$87.56	—	S&P 100 EQL WIGH	46137V449
VDE	VANGUARD WORLD FDS	2,000	$235K	0.1%	$101.50	—	ENERGY ETF	92204A306
KO	COCA COLA CO	3,900	$230K	0.1%	$44.84	+18.8%	COM	191216100
GILD	GILEAD SCIENCES INC	2,831	$229K	0.1%	$54.25	+33.1%	COM	375558103
TGT	TARGET CORP	1,600	$228K	0.1%	$188.25	-40.0%	COM	87612E106
ALL	ALLSTATE CORP	1,626	$228K	0.1%	$124.75	0.0%	COM	020002101
FSTA	FIDELITY COVINGTON TRUST	5,000	$223K	0.1%	$40.60	—	CONSMR STAPLES	316092303
O	REALTY INCOME CORP	3,823	$220K	0.1%	$46.49	0.0%	COM	756109104
AXP	AMERICAN EXPRESS CO	1,155	$216K	0.1%	$156.99	0.0%	COM	025816109
SLV	ISHARES SILVER TR	9,926	$216K	0.1%	$22.02	—	ISHARES	46428Q109
—	BLACKROCK INC	266	$216K	0.1%	$811.80	—	COM	09247X101
COR	CENCORA INC	1,048	$215K	0.1%	$191.75	0.0%	COM	03073E105
IYE	ISHARES TR	4,820	$213K	0.1%	$29.83	—	U.S. ENERGY ETF	464287796
DOW	DOW INC	3,841	$211K	0.1%	$44.66	0.0%	COM	260557103
EFA	ISHARES TR	2,786	$210K	0.1%	$75.35	—	MSCI EAFE ETF	464287465
OEF	ISHARES TR	936	$209K	0.1%	$223.39	—	S&P 100 ETF	464287101
PEG	PUBLIC SVC ENTERPRISE GRP IN	3,400	$208K	0.1%	$57.28	0.0%	COM	744573106
PYPL	PAYPAL HLDGS INC	3,370	$207K	0.1%	$57.15	0.0%	COM	70450Y103
COP	CONOCOPHILLIPS	1,771	$206K	0.1%	$109.73	0.0%	COM	20825C104
—	BNY MELLON MUN BD INFRASTRUC	13,550	$140K	0.0%	$13.35	—	COM SHS	09662W109