Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHG	SCHWAB STRATEGIC TR	287,231	$28.96M	7.1%	$57.60	—	US LCAP GR ETF	808524300
SCHO	SCHWAB STRATEGIC TR	567,106	$27.29M	6.7%	$48.37	—	SHT TM US TRES	808524862
SCHR	SCHWAB STRATEGIC TR	558,269	$27.23M	6.7%	$50.53	—	INT-TRM U.S TRES	808524854
VTV	VANGUARD INDEX FDS	164,536	$26.39M	6.5%	$141.64	—	VALUE ETF	922908744
SCHZ	SCHWAB STRATEGIC TR	502,765	$22.92M	5.6%	$45.58	—	US AGGREGATE B	808524839
AAPL	APPLE INC	73,544	$15.49M	3.8%	$94.88	+95.1%	COM	037833100
SCHF	SCHWAB STRATEGIC TR	374,957	$14.41M	3.5%	$33.53	—	INTL EQTY ETF	808524805
MRK	MERCK & CO INC	84,495	$10.46M	2.6%	$61.46	+98.0%	COM	58933Y105
VMBS	VANGUARD SCOTTSDALE FDS	226,395	$10.28M	2.5%	$45.40	—	MTG-BKD SECS ETF	92206C771
IWF	ISHARES TR	27,765	$10.12M	2.5%	$143.90	—	RUS 1000 GRW ETF	464287614
MSFT	MICROSOFT CORP	20,305	$9.075M	2.2%	$170.73	+144.4%	COM	594918104
EMXC	ISHARES INC	152,065	$9.002M	2.2%	$55.37	—	MSCI EMRG CHN	46434G764
VCIT	VANGUARD SCOTTSDALE FDS	92,356	$7.382M	1.8%	$78.19	—	INT-TERM CORP	92206C870
CVX	CHEVRON CORP NEW	47,008	$7.353M	1.8%	$113.15	+31.1%	COM	166764100
VO	VANGUARD INDEX FDS	29,641	$7.176M	1.8%	$208.45	—	MID CAP ETF	922908629
DFAS	DIMENSIONAL ETF TRUST	117,734	$7.073M	1.7%	$52.64	—	US SMALL CAP ETF	25434V500
IVV	ISHARES TR	10,635	$5.82M	1.4%	$321.36	—	CORE S&P500 ETF	464287200
AMZN	AMAZON COM INC	29,176	$5.638M	1.4%	$124.20	+47.9%	COM	023135106
GOOGL	ALPHABET INC	29,764	$5.422M	1.3%	$107.87	+55.1%	CAP STK CL A	02079K305
XAR	SPDR SER TR	36,164	$5.062M	1.2%	$132.91	—	AEROSPACE DEF	78464A631
XOM	EXXON MOBIL CORP	43,788	$5.041M	1.2%	$62.47	+76.2%	COM	30231G102
SCHD	SCHWAB STRATEGIC TR	63,969	$4.974M	1.2%	$49.20	—	US DIVIDEND EQ	808524797
IBM	INTERNATIONAL BUSINESS MACHS	27,914	$4.828M	1.2%	$100.52	+65.0%	COM	459200101
GOOG	ALPHABET INC	24,113	$4.423M	1.1%	$108.40	+55.8%	CAP STK CL C	02079K107
JPM	JPMORGAN CHASE & CO.	20,661	$4.179M	1.0%	$93.95	+101.4%	COM	46625H100
SPHY	SPDR SER TR	178,769	$4.153M	1.0%	$23.34	—	PORTFLI HIGH YLD	78468R606
META	META PLATFORMS INC	8,144	$4.106M	1.0%	$188.92	+155.8%	CL A	30303M102
VIG	VANGUARD SPECIALIZED FUNDS	22,361	$4.082M	1.0%	$103.16	—	DIV APP ETF	921908844
VWOB	VANGUARD WHITEHALL FDS	63,742	$4.01M	1.0%	$61.80	—	EM MK GOV BD ETF	921946885
ESGU	ISHARES TR	29,516	$3.522M	0.9%	$80.44	—	ESG AWR MSCI USA	46435G425
ENB	ENBRIDGE INC	90,306	$3.214M	0.8%	$25.99	+24.5%	COM	29250N105
EPD	ENTERPRISE PRODS PARTNERS L	108,787	$3.153M	0.8%	$24.82	—	COM	293792107
NVDA	NVIDIA CORPORATION	24,560	$3.034M	0.7%	$93.88	+7.6%	COM	67066G104
VTI	VANGUARD INDEX FDS	10,683	$2.858M	0.7%	$139.79	—	TOTAL STK MKT	922908769
SHV	ISHARES TR	25,690	$2.839M	0.7%	$110.05	—	SHORT TREAS BD	464288679
BRK/B	BERKSHIRE HATHAWAY INC DEL	6,766	$2.752M	0.7%	$231.44	+76.6%	CL B NEW	084670702
IJH	ISHARES TR	46,692	$2.732M	0.7%	$83.39	—	CORE S&P MCP ETF	464287507
CAT	CATERPILLAR INC	8,032	$2.675M	0.7%	$118.40	+186.1%	COM	149123101
WMT	WALMART INC	37,875	$2.565M	0.6%	$48.31	+28.3%	COM	931142103
QCOM	QUALCOMM INC	10,450	$2.081M	0.5%	$80.37	+126.9%	COM	747525103
BIL	SPDR SER TR	19,257	$1.767M	0.4%	$91.41	—	BLOOMBERG 1-3 MO	78468R663
JNJ	JOHNSON & JOHNSON	11,788	$1.723M	0.4%	$118.15	+19.7%	COM	478160104
VTEC	VANGUARD CALIF TAX FREE FDS	16,746	$1.665M	0.4%	$99.40	—	TAX EXEMPT BD FD	922021605
BAC	BANK AMERICA CORP	39,973	$1.59M	0.4%	$25.32	+45.5%	COM	060505104
GLTR	ABRDN PRECIOUS METALS BASKET	15,075	$1.552M	0.4%	$63.89	—	PHYSCL PRECS MET	003263100
DIS	DISNEY WALT CO	15,146	$1.504M	0.4%	$94.88	+11.2%	COM	254687106
PM	PHILIP MORRIS INTL INC	14,597	$1.479M	0.4%	$62.04	+47.2%	COM	718172109
SUB	ISHARES TR	14,106	$1.475M	0.4%	$106.08	—	SHRT NAT MUN ETF	464288158
PANW	PALO ALTO NETWORKS INC	4,005	$1.358M	0.3%	$73.89	+102.4%	COM	697435105
TSM	TAIWAN SEMICONDUCTOR MFG LTD	7,611	$1.323M	0.3%	$80.59	—	SPONSORED ADS	874039100
CSCO	CISCO SYS INC	25,243	$1.199M	0.3%	$39.44	+14.8%	COM	17275R102
ITA	ISHARES TR	8,864	$1.17M	0.3%	$123.26	—	US AER DEF ETF	464288760
IJR	ISHARES TR	10,473	$1.117M	0.3%	$75.73	—	CORE S&P SCP ETF	464287804
RTX	RTX CORPORATION	10,828	$1.087M	0.3%	$66.46	+50.6%	COM	75513E101
NFLX	NETFLIX INC	1,547	$1.044M	0.3%	$38.98	+60.2%	COM	64110L106
LLY	ELI LILLY & CO	1,139	$1.031M	0.3%	$141.36	+459.5%	COM	532457108
ABBV	ABBVIE INC	5,717	$981K	0.2%	$67.76	+131.9%	COM	00287Y109
COST	COSTCO WHSL CORP NEW	1,117	$950K	0.2%	$330.67	+134.0%	COM	22160K105
VOO	VANGUARD INDEX FDS	1,891	$946K	0.2%	$376.65	—	S&P 500 ETF SHS	922908363
PFE	PFIZER INC	33,216	$929K	0.2%	$28.09	-11.8%	COM	717081103
NEE	NEXTERA ENERGY INC	13,086	$927K	0.2%	$60.35	+12.0%	COM	65339F101
VZ	VERIZON COMMUNICATIONS INC	21,927	$904K	0.2%	$38.67	-5.7%	COM	92343V104
UNH	UNITEDHEALTH GROUP INC	1,716	$874K	0.2%	$238.06	+98.7%	COM	91324P102
CRM	SALESFORCE INC	3,312	$852K	0.2%	$172.43	+53.5%	COM	79466L302
QUAL	ISHARES TR	4,977	$850K	0.2%	$81.59	—	MSCI USA QLT FCT	46432F339
CMCSA	COMCAST CORP NEW	21,686	$849K	0.2%	$34.03	+9.1%	CL A	20030N101
PEP	PEPSICO INC	5,092	$840K	0.2%	$160.05	+1.4%	COM	713448108
FFWM	FIRST FNDTN INC	126,997	$832K	0.2%	$11.96	-48.8%	COM	32026V104
ADBE	ADOBE INC	1,492	$829K	0.2%	$357.17	+35.6%	COM	00724F101
CMI	CUMMINS INC	2,920	$809K	0.2%	$192.50	+43.4%	COM	231021106
UBER	UBER TECHNOLOGIES INC	11,120	$808K	0.2%	$34.17	+103.4%	COM	90353T100
HD	HOME DEPOT INC	2,261	$778K	0.2%	$172.82	+89.5%	COM	437076102
PG	PROCTER AND GAMBLE CO	4,636	$765K	0.2%	$102.20	+53.8%	COM	742718109
V	VISA INC	2,824	$741K	0.2%	$175.52	+54.3%	COM CL A	92826C839
PULS	PGIM ETF TR	14,663	$729K	0.2%	$49.15	—	PGIM ULTRA SH BD	69344A107
SBUX	STARBUCKS CORP	9,071	$706K	0.2%	$73.41	+6.3%	COM	855244109
TSLA	TESLA INC	3,551	$703K	0.2%	$192.46	-9.2%	COM	88160R101
—	UNILEVER PLC	12,762	$702K	0.2%	$45.76	—	SPON ADR NEW	904767704
MA	MASTERCARD INCORPORATED	1,587	$700K	0.2%	$332.54	+35.8%	CL A	57636Q104
AMGN	AMGEN INC	2,086	$652K	0.2%	$158.18	+76.6%	COM	031162100
FDX	FEDEX CORP	2,122	$636K	0.2%	$175.47	+43.5%	COM	31428X106
MO	ALTRIA GROUP INC	13,842	$631K	0.2%	$34.66	+12.8%	COM	02209S103
FTNT	FORTINET INC	10,305	$621K	0.2%	$53.35	+16.6%	COM	34959E109
KLAC	KLA CORP	747	$616K	0.2%	$337.24	+116.0%	COM NEW	482480100
TFC	TRUIST FINL CORP	15,849	$616K	0.2%	$41.62	-16.0%	COM	89832Q109
INTC	INTEL CORP	19,532	$605K	0.1%	$39.39	-17.5%	COM	458140100
VTEB	VANGUARD MUN BD FDS	11,928	$598K	0.1%	$49.58	—	TAX EXEMPT BD	922907746
BA	BOEING CO	3,231	$588K	0.1%	$231.69	-23.1%	COM	097023105
MMM	3M CO	5,754	$588K	0.1%	$97.11	-2.9%	COM	88579Y101
XLV	SELECT SECTOR SPDR TR	3,999	$583K	0.1%	$95.77	—	SBI HEALTHCARE	81369Y209
GBCI	GLACIER BANCORP INC NEW	15,600	$582K	0.1%	$33.73	+4.4%	COM	37637Q105
LMT	LOCKHEED MARTIN CORP	1,180	$551K	0.1%	$348.56	+26.7%	COM	539830109
DXJ	WISDOMTREE TR	4,876	$550K	0.1%	$46.42	—	JAPN HEDGE EQT	97717W851
EIX	EDISON INTL	7,404	$532K	0.1%	$54.23	+23.8%	COM	281020107
AVGO	BROADCOM INC	328	$527K	0.1%	$75.71	+81.8%	COM	11135F101
MGC	VANGUARD WORLD FD	2,625	$518K	0.1%	$117.70	—	MEGA CAP INDEX	921910873
WPC	WP CAREY INC	8,661	$477K	0.1%	$67.84	—	COM	92936U109
T	AT&T INC	24,434	$467K	0.1%	$15.03	+7.5%	COM	00206R102
VLUE	ISHARES TR	4,482	$464K	0.1%	$74.87	—	MSCI USA VALUE	46432F388
SPYM	SPDR SER TR	7,161	$458K	0.1%	$50.02	—	PORTFOLIO S&P500	78464A854
SCHW	SCHWAB CHARLES CORP	6,131	$452K	0.1%	$63.04	+14.7%	COM	808513105
VLY	VALLEY NATL BANCORP	62,003	$433K	0.1%	$13.35	-45.3%	COM	919794107
QQQ	INVESCO QQQ TR	873	$418K	0.1%	$223.93	—	UNIT SER 1	46090E103
MCD	MCDONALDS CORP	1,632	$416K	0.1%	$163.53	+56.0%	COM	580135101
ABT	ABBOTT LABS	3,983	$414K	0.1%	$65.64	+56.8%	COM	002824100
CB	CHUBB LIMITED	1,591	$406K	0.1%	$213.74	+18.3%	COM	H1467J104
ARCC	ARES CAPITAL CORP	19,216	$400K	0.1%	$17.24	+3.9%	COM	04010L103
UNP	UNION PAC CORP	1,752	$396K	0.1%	$192.30	+17.3%	COM	907818108
XLE	SELECT SECTOR SPDR TR	4,342	$396K	0.1%	$58.35	—	ENERGY	81369Y506
NVO	NOVO-NORDISK A S	2,750	$393K	0.1%	$125.04	—	ADR	670100205
KMI	KINDER MORGAN INC DEL	19,708	$392K	0.1%	$14.49	+22.3%	COM	49456B101
PFFD	GLOBAL X FDS	19,812	$390K	0.1%	$19.68	—	US PFD ETF	37954Y657
SCHA	SCHWAB STRATEGIC TR	8,204	$389K	0.1%	$43.76	—	US SML CAP ETF	808524607
DUK	DUKE ENERGY CORP NEW	3,869	$388K	0.1%	$83.63	+12.7%	COM NEW	26441C204
HYD	VANECK ETF TRUST	7,476	$386K	0.1%	$51.65	—	HIGH YLD MUNIETF	92189H409
NOW	SERVICENOW INC	476	$374K	0.1%	$126.04	+16.4%	COM	81762P102
GD	GENERAL DYNAMICS CORP	1,282	$372K	0.1%	$198.53	+43.1%	COM	369550108
ALB	ALBEMARLE CORP	3,864	$369K	0.1%	$180.27	-36.1%	COM	012653101
FCX	FREEPORT-MCMORAN INC	7,564	$368K	0.1%	$27.89	+76.8%	CL B	35671D857
FUTY	FIDELITY COVINGTON TRUST	7,928	$349K	0.1%	$42.42	—	MSCI UTILS INDEX	316092865
TXN	TEXAS INSTRS INC	1,749	$340K	0.1%	$124.12	+41.9%	COM	882508104
MDT	MEDTRONIC PLC	4,234	$333K	0.1%	$72.02	+8.4%	SHS	G5960L103
LOW	LOWES COS INC	1,490	$328K	0.1%	$189.49	+16.8%	COM	548661107
—	BARRICK GOLD CORP	19,360	$323K	0.1%	$16.15	—	COM	067901108
EFG	ISHARES TR	3,152	$322K	0.1%	$91.91	—	EAFE GRWTH ETF	464288885
SO	SOUTHERN CO	3,840	$298K	0.1%	$37.42	+91.9%	COM	842587107
BSV	VANGUARD BD INDEX FDS	3,766	$289K	0.1%	$75.26	—	SHORT TRM BOND	921937827
KMB	KIMBERLY-CLARK CORP	2,073	$286K	0.1%	$96.06	+30.4%	COM	494368103
LYB	LYONDELLBASELL INDUSTRIES N	2,897	$277K	0.1%	$67.86	+27.9%	SHS - A -	N53745100
VEA	VANGUARD TAX-MANAGED FDS	5,555	$275K	0.1%	$43.31	—	VAN FTSE DEV MKT	921943858
UPS	UNITED PARCEL SERVICE INC	1,997	$273K	0.1%	$154.15	-15.7%	CL B	911312106
IWM	ISHARES TR	1,345	$273K	0.1%	$164.45	—	RUSSELL 2000 ETF	464287655
AXP	AMERICAN EXPRESS CO	1,155	$267K	0.1%	$156.99	+44.8%	COM	025816109
EQWL	INVESCO EXCHANGE TRADED FD T	2,800	$265K	0.1%	$87.56	—	S&P 100 EQL WIGH	46137V449
SLV	ISHARES SILVER TR	9,926	$264K	0.1%	$22.02	—	ISHARES	46428Q109
MUB	ISHARES TR	2,457	$262K	0.1%	$108.42	—	NATIONAL MUN ETF	464288414
ALL	ALLSTATE CORP	1,626	$260K	0.1%	$124.75	+29.4%	COM	020002101
NKE	NIKE INC	3,393	$256K	0.1%	$100.80	-11.0%	CL B	654106103
VDE	VANGUARD WORLD FD	2,000	$255K	0.1%	$101.50	—	ENERGY ETF	92204A306
PFFV	GLOBAL X FDS	10,613	$251K	0.1%	$23.65	—	RATE PREFERRED	37954Y376
PEG	PUBLIC SVC ENTERPRISE GRP IN	3,400	$251K	0.1%	$57.28	+17.7%	COM	744573106
PAYX	PAYCHEX INC	2,089	$248K	0.1%	$61.22	+90.0%	COM	704326107
OEF	ISHARES TR	936	$247K	0.1%	$223.39	—	S&P 100 ETF	464287101
CVS	CVS HEALTH CORP	4,172	$246K	0.1%	$59.40	-1.5%	COM	126650100
ROBT	FIRST TR EXCHANGE-TRADED FD	5,809	$246K	0.1%	$40.51	—	NASDQ ARTFCIAL	33738R720
—	BLACKROCK INC	311	$245K	0.1%	$814.97	—	COM	09247X101
—	NUVEEN AMT FREE QLTY MUN INC	21,076	$242K	0.1%	$11.07	—	COM	670657105
NVS	NOVARTIS AG	2,266	$241K	0.1%	$100.97	—	SPONSORED ADR	66987V109
FSTA	FIDELITY COVINGTON TRUST	5,000	$237K	0.1%	$40.60	—	CONSMR STAPLES	316092303
TGT	TARGET CORP	1,600	$237K	0.1%	$188.25	-21.4%	COM	87612E106
BMY	BRISTOL-MYERS SQUIBB CO	5,695	$237K	0.1%	$36.51	+12.3%	COM	110122108
COR	CENCORA INC	1,048	$236K	0.1%	$191.75	+19.2%	COM	03073E105
KO	COCA COLA CO	3,645	$232K	0.1%	$44.84	+31.3%	COM	191216100
MCK	MCKESSON CORP	375	$219K	0.1%	$503.45	+9.8%	COM	58155Q103
EFA	ISHARES TR	2,786	$218K	0.1%	$75.35	—	MSCI EAFE ETF	464287465
DECK	DECKERS OUTDOOR CORP	225	$218K	0.1%	$138.61	+11.0%	COM	243537107
SAP	SAP SE	1,059	$214K	0.1%	$195.03	—	SPON ADR	803054204
O	REALTY INCOME CORP	4,008	$212K	0.1%	$46.63	+4.3%	COM	756109104
ET	ENERGY TRANSFER L P	13,000	$211K	0.1%	$15.73	—	COM UT LTD PTN	29273V100
IHI	ISHARES TR	3,762	$211K	0.1%	$58.59	—	U.S. MED DVC ETF	464288810
JEPI	J P MORGAN EXCHANGE TRADED F	3,672	$208K	0.1%	$56.68	—	EQUITY PREMIUM	46641Q332
FTSL	FIRST TR EXCHANGE-TRADED FD	4,480	$205K	0.1%	$46.21	—	SENIOR LN FD	33738D309
EME	EMCOR GROUP INC	560	$204K	0.1%	$367.70	0.0%	COM	29084Q100
AIQ	GLOBAL X FDS	5,731	$204K	0.1%	$35.63	—	ARTIFICIAL ETF	37954Y632
DOW	DOW INC	3,841	$204K	0.1%	$44.66	+14.6%	COM	260557103
COP	CONOCOPHILLIPS	1,771	$203K	0.0%	$109.73	+5.2%	COM	20825C104
—	BNY MELLON MUN BD INFRASTRUC	13,550	$143K	0.0%	$13.35	—	COM SHS	09662W109
—	NUVEEN CALIFORNIA AMT QLT MU	10,000	$125K	0.0%	$12.15	—	COM	670651108