Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHO	SCHWAB STRATEGIC TR	720,449	$34.73M	8.8%	$48.37	—	SHT TM US TRES	808524862
SCHG	SCHWAB STRATEGIC TR	314,757	$29.18M	7.4%	$57.60	—	US LCAP GR ETF	808524300
VTV	VANGUARD INDEX FDS	165,814	$27M	6.8%	$141.64	—	VALUE ETF	922908744
SCHR	SCHWAB STRATEGIC TR	501,382	$24.59M	6.2%	$50.73	—	INT-TRM U.S TRES	808524854
BIL	SPDR SER TR	223,195	$20.49M	5.2%	$91.41	—	BLOOMBERG 1-3 MO	78468R663
SCHF	SCHWAB STRATEGIC TR	381,576	$14.89M	3.8%	$33.53	—	INTL EQTY ETF	808524805
AAPL	APPLE INC	72,773	$12.48M	3.2%	$93.92	+91.9%	COM	037833100
MRK	MERCK & CO INC	84,603	$11.16M	2.8%	$61.46	+88.4%	COM	58933Y105
IWF	ISHARES TR	27,853	$9.388M	2.4%	$143.90	—	RUS 1000 GRW ETF	464287614
MSFT	MICROSOFT CORP	20,162	$8.483M	2.1%	$170.73	+133.9%	COM	594918104
EMXC	ISHARES INC	147,162	$8.472M	2.1%	$55.24	—	MSCI EMRG CHN	46434G764
VCIT	VANGUARD SCOTTSDALE FDS	100,319	$8.077M	2.0%	$78.19	—	INT-TERM CORP	92206C870
CVX	CHEVRON CORP NEW	47,533	$7.498M	1.9%	$113.15	+22.9%	COM	166764100
VO	VANGUARD INDEX FDS	29,870	$7.463M	1.9%	$208.45	—	MID CAP ETF	922908629
DFAS	DIMENSIONAL ETF TRUST	115,554	$7.204M	1.8%	$52.50	—	US SMALL CAP ETF	25434V500
IVV	ISHARES TR	10,683	$5.616M	1.4%	$321.36	—	CORE S&P500 ETF	464287200
IBM	INTERNATIONAL BUSINESS MACHS	27,984	$5.344M	1.3%	$100.52	+71.7%	COM	459200101
AMZN	AMAZON COM INC	29,009	$5.233M	1.3%	$124.20	+34.4%	COM	023135106
SCHD	SCHWAB STRATEGIC TR	63,675	$5.134M	1.3%	$49.20	—	US DIVIDEND EQ	808524797
XAR	SPDR SER TR	36,042	$5.064M	1.3%	$132.91	—	AEROSPACE DEF	78464A631
SHV	ISHARES TR	44,388	$4.907M	1.2%	$110.05	—	SHORT TREAS BD	464288679
XOM	EXXON MOBIL CORP	40,013	$4.651M	1.2%	$57.98	+69.2%	COM	30231G102
GOOGL	ALPHABET INC	29,663	$4.477M	1.1%	$107.87	+31.6%	CAP STK CL A	02079K305
JPM	JPMORGAN CHASE & CO	20,656	$4.137M	1.0%	$93.95	+84.8%	COM	46625H100
VIG	VANGUARD SPECIALIZED FUNDS	22,443	$4.098M	1.0%	$103.16	—	DIV APP ETF	921908844
META	META PLATFORMS INC	8,075	$3.921M	1.0%	$188.92	+134.6%	CL A	30303M102
PULS	PGIM ETF TR	77,054	$3.83M	1.0%	$49.15	—	PGIM ULTRA SH BD	69344A107
GOOG	ALPHABET INC	23,983	$3.652M	0.9%	$108.40	+32.2%	CAP STK CL C	02079K107
VWOB	VANGUARD WHITEHALL FDS	55,818	$3.564M	0.9%	$61.64	—	EM MK GOV BD ETF	921946885
ESGU	ISHARES TR	30,134	$3.464M	0.9%	$80.44	—	ESG AWR MSCI USA	46435G425
BRK/B	BERKSHIRE HATHAWAY INC DEL	8,147	$3.426M	0.9%	$231.44	+70.0%	CL B NEW	084670702
SPHY	SPDR SER TR	134,841	$3.163M	0.8%	$23.38	—	PORTFLI HIGH YLD	78468R606
ENB	ENBRIDGE INC	86,900	$3.144M	0.8%	$25.74	+22.6%	COM	29250N105
EPD	ENTERPRISE PRODS PARTNERS L	102,423	$2.989M	0.8%	$24.56	—	COM	293792107
CAT	CATERPILLAR INC	8,052	$2.95M	0.7%	$118.40	+162.7%	COM	149123101
IJH	ISHARES TR	46,690	$2.836M	0.7%	$83.39	—	CORE S&P MCP ETF	464287507
VTI	VANGUARD INDEX FDS	10,783	$2.803M	0.7%	$139.79	—	TOTAL STK MKT	922908769
WMT	WALMART INC	37,875	$2.279M	0.6%	$48.31	+16.0%	COM	931142103
NVDA	NVIDIA CORPORATION	2,280	$2.06M	0.5%	$23.82	+204.1%	COM	67066G104
VTEB	VANGUARD MUN BD FDS	38,956	$1.971M	0.5%	$49.58	—	TAX EXEMPT BD	922907746
JNJ	JOHNSON & JOHNSON	12,076	$1.91M	0.5%	$118.15	+27.2%	COM	478160104
DIS	DISNEY WALT CO	15,160	$1.855M	0.5%	$94.88	+7.9%	COM	254687106
QCOM	QUALCOMM INC	10,417	$1.764M	0.4%	$80.37	+84.8%	COM	747525103
BAC	BANK AMERICA CORP	42,073	$1.595M	0.4%	$25.32	+29.6%	COM	060505104
GLTR	ABRDN PRECIOUS METALS BASKET	15,110	$1.443M	0.4%	$63.89	—	PHYSCL PRECS MET	003263100
PM	PHILIP MORRIS INTL INC	14,597	$1.337M	0.3%	$62.04	+36.9%	COM	718172109
SUB	ISHARES TR	12,487	$1.308M	0.3%	$106.28	—	SHRT NAT MUN ETF	464288158
CSCO	CISCO SYS INC	25,127	$1.254M	0.3%	$39.44	+19.7%	COM	17275R102
ABBV	ABBVIE INC	6,757	$1.231M	0.3%	$67.76	+139.1%	COM	00287Y109
ITA	ISHARES TR	8,862	$1.169M	0.3%	$123.26	—	US AER DEF ETF	464288760
IJR	ISHARES TR	10,534	$1.164M	0.3%	$75.73	—	CORE S&P SCP ETF	464287804
PANW	PALO ALTO NETWORKS INC	4,005	$1.138M	0.3%	$73.89	+113.5%	COM	697435105
RTX	RTX CORPORATION	10,828	$1.056M	0.3%	$66.46	+30.6%	COM	75513E101
BA	BOEING CO	5,375	$1.037M	0.3%	$231.69	-11.3%	COM	097023105
TSM	TAIWAN SEMICONDUCTOR MFG LTD	7,611	$1.035M	0.3%	$80.59	—	SPONSORED ADS	874039100
PFE	PFIZER INC	36,666	$1.017M	0.3%	$28.09	-12.2%	COM	717081103
CRM	SALESFORCE INC	3,200	$964K	0.2%	$169.20	+68.5%	COM	79466L302
FFWM	FIRST FNDTN INC	126,997	$959K	0.2%	$11.96	-28.6%	COM	32026V104
NFLX	NETFLIX INC	1,547	$940K	0.2%	$38.98	+44.6%	COM	64110L106
LLY	ELI LILLY & CO	1,184	$921K	0.2%	$141.36	+396.9%	COM	532457108
VOO	VANGUARD INDEX FDS	1,897	$912K	0.2%	$376.65	—	S&P 500 ETF SHS	922908363
VZ	VERIZON COMMUNICATIONS INC	21,627	$907K	0.2%	$38.70	-7.2%	COM	92343V104
MMM	3M CO	8,506	$902K	0.2%	$97.11	-18.4%	COM	88579Y101
HD	HOME DEPOT INC	2,260	$867K	0.2%	$172.82	+101.7%	COM	437076102
PEP	PEPSICO INC	4,921	$861K	0.2%	$159.97	-1.7%	COM	713448108
CMI	CUMMINS INC	2,920	$860K	0.2%	$192.50	+28.6%	COM	231021106
UNH	UNITEDHEALTH GROUP INC	1,716	$849K	0.2%	$238.06	+105.4%	COM	91324P102
COST	COSTCO WHSL CORP NEW	1,117	$819K	0.2%	$330.67	+113.7%	COM	22160K105
QUAL	ISHARES TR	4,977	$818K	0.2%	$81.59	—	MSCI USA QLT FCT	46432F339
CMCSA	COMCAST CORP NEW	18,825	$816K	0.2%	$33.56	+21.1%	CL A	20030N101
INTC	INTEL CORP	17,902	$791K	0.2%	$40.02	+10.1%	COM	458140100
V	VISA INC	2,824	$788K	0.2%	$175.52	+55.2%	COM CL A	92826C839
ADBE	ADOBE INC	1,555	$785K	0.2%	$357.17	+60.5%	COM	00724F101
SBUX	STARBUCKS CORP	8,461	$773K	0.2%	$73.07	+21.3%	COM	855244109
MA	MASTERCARD INCORPORATED	1,587	$764K	0.2%	$332.54	+36.1%	CL A	57636Q104
PG	PROCTER AND GAMBLE CO	4,636	$752K	0.2%	$102.20	+46.6%	COM	742718109
UBER	UBER TECHNOLOGIES INC	9,648	$743K	0.2%	$28.77	+149.5%	COM	90353T100
FTNT	FORTINET INC	10,475	$716K	0.2%	$53.35	+24.8%	COM	34959E109
NEE	NEXTERA ENERGY INC	10,386	$664K	0.2%	$58.47	-5.2%	COM	65339F101
—	UNILEVER PLC	12,762	$641K	0.2%	$45.76	—	SPON ADR NEW	904767704
GBCI	GLACIER BANCORP INC NEW	15,600	$628K	0.2%	$33.73	+8.0%	COM	37637Q105
TSLA	TESLA INC	3,531	$621K	0.2%	$192.46	+1.5%	COM	88160R101
TFC	TRUIST FINL CORP	15,849	$618K	0.2%	$41.62	-19.8%	COM	89832Q109
FDX	FEDEX CORP	2,122	$615K	0.2%	$175.47	+36.7%	COM	31428X106
MO	ALTRIA GROUP INC	13,842	$604K	0.2%	$34.66	+3.0%	COM	02209S103
XLV	SELECT SECTOR SPDR TR	3,999	$591K	0.1%	$95.77	—	SBI HEALTHCARE	81369Y209
AMGN	AMGEN INC	2,036	$579K	0.1%	$155.21	+77.9%	COM	031162100
LMT	LOCKHEED MARTIN CORP	1,240	$564K	0.1%	$348.56	+19.3%	COM	539830109
DXJ	WISDOMTREE TR	4,876	$529K	0.1%	$46.42	—	JAPN HEDGE EQT	97717W851
EIX	EDISON INTL	7,404	$524K	0.1%	$54.23	+15.5%	COM	281020107
KLAC	KLA CORP	747	$522K	0.1%	$337.24	+87.4%	COM NEW	482480100
MCD	MCDONALDS CORP	1,843	$520K	0.1%	$163.53	+70.0%	COM	580135101
WPC	WP CAREY INC	8,811	$497K	0.1%	$67.84	—	COM	92936U109
VLY	VALLEY NATL BANCORP	62,003	$494K	0.1%	$13.35	-33.3%	COM	919794107
MGC	VANGUARD WORLD FD	2,625	$491K	0.1%	$117.70	—	MEGA CAP INDEX	921910873
ALB	ALBEMARLE CORP	3,713	$489K	0.1%	$182.92	-35.0%	COM	012653101
VLUE	ISHARES TR	4,482	$485K	0.1%	$74.87	—	MSCI USA VALUE	46432F388
ABT	ABBOTT LABS	3,983	$453K	0.1%	$65.64	+68.8%	COM	002824100
SCHW	SCHWAB CHARLES CORP	6,131	$444K	0.1%	$63.04	+1.9%	COM	808513105
SPYM	SPDR SER TR	7,161	$441K	0.1%	$50.02	—	PORTFOLIO S&P500	78464A854
AVGO	BROADCOM INC	328	$435K	0.1%	$75.71	+60.1%	COM	11135F101
UNP	UNION PAC CORP	1,752	$431K	0.1%	$192.30	+22.5%	COM	907818108
CB	CHUBB LIMITED	1,591	$412K	0.1%	$213.74	+12.9%	COM	H1467J104
XLE	SELECT SECTOR SPDR TR	4,361	$412K	0.1%	$58.35	—	ENERGY	81369Y506
T	AT&T INC	22,925	$403K	0.1%	$14.96	+4.4%	COM	00206R102
CCI	CROWN CASTLE INC	3,787	$401K	0.1%	$95.50	+2.3%	COM	22822V101
QQQ	INVESCO QQQ TR	872	$387K	0.1%	$223.93	—	UNIT SER 1	46090E103
LOW	LOWES COS INC	1,490	$380K	0.1%	$189.49	+17.2%	COM	548661107
DUK	DUKE ENERGY CORP NEW	3,869	$374K	0.1%	$83.63	+5.8%	COM NEW	26441C204
NOW	SERVICENOW INC	476	$363K	0.1%	$126.04	+20.2%	COM	81762P102
GD	GENERAL DYNAMICS CORP	1,282	$362K	0.1%	$198.53	+30.0%	COM	369550108
KMI	KINDER MORGAN INC DEL	19,708	$361K	0.1%	$14.49	+10.3%	COM	49456B101
FCX	FREEPORT-MCMORAN INC	7,564	$356K	0.1%	$27.89	+41.3%	CL B	35671D857
NVO	NOVO-NORDISK A S	2,750	$353K	0.1%	$125.04	—	ADR	670100205
MDT	MEDTRONIC PLC	3,869	$337K	0.1%	$71.45	+12.9%	SHS	G5960L103
FUTY	FIDELITY COVINGTON TRUST	7,928	$336K	0.1%	$42.42	—	MSCI UTILS INDEX	316092865
MUB	ISHARES TR	3,112	$335K	0.1%	$108.42	—	NATIONAL MUN ETF	464288414
CVS	CVS HEALTH CORP	4,172	$333K	0.1%	$59.40	+19.2%	COM	126650100
NKE	NIKE INC	3,493	$328K	0.1%	$100.80	-3.0%	CL B	654106103
EFG	ISHARES TR	3,152	$327K	0.1%	$91.91	—	EAFE GRWTH ETF	464288885
—	BARRICK GOLD CORP	19,360	$322K	0.1%	$16.15	—	COM	067901108
BMY	BRISTOL-MYERS SQUIBB CO	5,695	$309K	0.1%	$36.51	+26.5%	COM	110122108
BSV	VANGUARD BD INDEX FDS	3,981	$305K	0.1%	$75.26	—	SHORT TRM BOND	921937827
TXN	TEXAS INSTRS INC	1,749	$305K	0.1%	$124.12	+27.2%	COM	882508104
UPS	UNITED PARCEL SERVICE INC	1,997	$297K	0.1%	$154.15	-11.5%	CL B	911312106
LYB	LYONDELLBASELL INDUSTRIES N	2,897	$296K	0.1%	$67.86	+24.0%	SHS - A -	N53745100
SCHA	SCHWAB STRATEGIC TR	5,954	$293K	0.1%	$42.37	—	US SML CAP ETF	808524607
ARCC	ARES CAPITAL CORP	13,720	$286K	0.1%	$16.97	0.0%	COM	04010L103
TGT	TARGET CORP	1,600	$284K	0.1%	$188.25	-24.6%	COM	87612E106
IWM	ISHARES TR	1,345	$283K	0.1%	$164.45	—	RUSSELL 2000 ETF	464287655
ALL	ALLSTATE CORP	1,626	$281K	0.1%	$124.75	+21.8%	COM	020002101
VEA	VANGUARD TAX-MANAGED FDS	5,555	$279K	0.1%	$43.31	—	VAN FTSE DEV MKT	921943858
SO	SOUTHERN CO	3,840	$275K	0.1%	$37.42	+73.1%	COM	842587107
KMB	KIMBERLY-CLARK CORP	2,073	$268K	0.1%	$96.06	+18.8%	COM	494368103
EQWL	INVESCO EXCHANGE TRADED FD T	2,800	$266K	0.1%	$87.56	—	S&P 100 EQL WIGH	46137V449
VDE	VANGUARD WORLD FD	2,000	$263K	0.1%	$101.50	—	ENERGY ETF	92204A306
AXP	AMERICAN EXPRESS CO	1,155	$263K	0.1%	$156.99	+29.2%	COM	025816109
ROBT	FIRST TR EXCHANGE-TRADED FD	5,809	$263K	0.1%	$40.51	—	NASDQ ARTFCIAL	33738R720
—	BLACKROCK INC	311	$259K	0.1%	$814.97	—	COM	09247X101
PAYX	PAYCHEX INC	2,089	$257K	0.1%	$61.22	+87.3%	COM	704326107
COR	CENCORA INC	1,048	$255K	0.1%	$191.75	+18.1%	COM	03073E105
KO	COCA COLA CO	3,900	$239K	0.1%	$44.84	+26.4%	COM	191216100
FSTA	FIDELITY COVINGTON TRUST	5,000	$238K	0.1%	$40.60	—	CONSMR STAPLES	316092303
—	NUVEEN AMT FREE QLTY MUN INC	21,076	$233K	0.1%	$11.07	—	COM	670657105
OEF	ISHARES TR	936	$232K	0.1%	$223.39	—	S&P 100 ETF	464287101
PEG	PUBLIC SVC ENTERPRISE GRP IN	3,400	$227K	0.1%	$57.28	+0.6%	COM	744573106
SLV	ISHARES SILVER TR	9,926	$226K	0.1%	$22.02	—	ISHARES	46428Q109
PYPL	PAYPAL HLDGS INC	3,370	$226K	0.1%	$57.15	+7.1%	COM	70450Y103
COP	CONOCOPHILLIPS	1,771	$225K	0.1%	$109.73	-1.9%	COM	20825C104
DOW	DOW INC	3,841	$223K	0.1%	$44.66	+9.6%	COM	260557103
EFA	ISHARES TR	2,786	$222K	0.1%	$75.35	—	MSCI EAFE ETF	464287465
O	REALTY INCOME CORP	4,102	$222K	0.1%	$46.63	+4.3%	COM	756109104
IHI	ISHARES TR	3,762	$220K	0.1%	$58.59	—	U.S. MED DVC ETF	464288810
NVS	NOVARTIS AG	2,266	$219K	0.1%	$100.97	—	SPONSORED ADR	66987V109
GE	GENERAL ELECTRIC CO	1,221	$214K	0.1%	$116.41	0.0%	COM NEW	369604301
DECK	DECKERS OUTDOOR CORP	225	$212K	0.1%	$138.61	0.0%	COM	243537107
GILD	GILEAD SCIENCES INC	2,831	$207K	0.1%	$54.25	+32.7%	COM	375558103
FTSL	FIRST TR EXCHANGE-TRADED FD	4,480	$207K	0.1%	$46.21	—	SENIOR LN FD	33738D309
SAP	SAP SE	1,059	$207K	0.1%	$195.03	—	SPON ADR	803054204
ET	ENERGY TRANSFER L P	13,000	$204K	0.1%	$15.73	—	COM UT LTD PTN	29273V100
IYE	ISHARES TR	4,077	$201K	0.1%	$29.83	—	U.S. ENERGY ETF	464287796
MCK	MCKESSON CORP	375	$201K	0.1%	$503.45	0.0%	COM	58155Q103
—	BNY MELLON MUN BD INFRASTRUC	13,550	$141K	0.0%	$13.35	—	COM SHS	09662W109
—	NUVEEN CALIFORNIA AMT QLT MU	10,000	$122K	0.0%	$12.15	—	COM	670651108