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
Expires: July 31, 2015
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 936,289 6,150 SH SOLE 0 0 6,150
ABBOTT LABS COM 002824100 691,883 5,087 SH SOLE 0 0 5,087
ABBVIE INC COM 00287Y109 1,041,885 5,613 SH SOLE 0 0 5,613
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 1,819,297 13,169 SH SOLE 0 0 13,169
ADOBE INC COM 00724F101 748,613 1,935 SH SOLE 0 0 1,935
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 365,861 3,226 SH SOLE 0 0 3,226
ALLSTATE CORP COM 020002101 327,733 1,628 SH SOLE 0 0 1,628
ALPHABET INC CAP STK CL A 02079K305 4,937,788 28,019 SH SOLE 0 0 28,019
ALPHABET INC CAP STK CL C 02079K107 4,025,866 22,695 SH SOLE 0 0 22,695
ALTRIA GROUP INC COM 02209S103 823,869 14,052 SH SOLE 0 0 14,052
AMAZON COM INC COM 023135106 6,275,870 28,606 SH SOLE 0 0 28,606
AMBEV SA SPONSORED ADR 02319V103 145,721 60,465 SH SOLE 0 0 60,465
AMERICAN ELEC PWR CO INC COM 025537101 200,257 1,930 SH SOLE 0 0 1,930
AMERICAN EXPRESS CO COM 025816109 304,945 956 SH SOLE 0 0 956
AMERICAN TOWER CORP NEW COM 03027X100 223,230 1,010 SH SOLE 0 0 1,010
AMGEN INC COM 031162100 582,711 2,087 SH SOLE 0 0 2,087
APPLE INC COM 037833100 16,148,731 78,709 SH SOLE 0 0 78,709
ARES CAPITAL CORP COM 04010L103 1,177,495 53,620 SH SOLE 0 0 53,620
AT&T INC COM 00206R102 798,484 27,591 SH SOLE 0 0 27,591
BANK AMERICA CORP COM 060505104 2,145,619 45,343 SH SOLE 0 0 45,343
BARRICK MNG CORP COM SHS 06849F108 573,466 27,544 SH SOLE 0 0 27,544
BERKSHIRE HATHAWAY INC DEL CL A 084670108 728,800 1 SH SOLE 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,555,836 7,320 SH SOLE 0 0 7,320
BLACKROCK ETF TRUST II ISHARES SHORT-TE 092528884 215,169 4,265 SH SOLE 0 0 4,265
BLACKROCK INC COM 09290D101 317,923 303 SH SOLE 0 0 303
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102 452,486 14,715 SH SOLE 0 0 14,715
BOEING CO COM 097023105 223,988 1,069 SH SOLE 0 0 1,069
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 204,468 4,320 SH SOLE 0 0 4,320
BROADCOM INC COM 11135F101 905,786 3,286 SH SOLE 0 0 3,286
CATERPILLAR INC COM 149123101 2,378,174 6,126 SH SOLE 0 0 6,126
CENCORA INC COM 03073E105 314,543 1,049 SH SOLE 0 0 1,049
CHEVRON CORP NEW COM 166764100 6,766,014 47,252 SH SOLE 0 0 47,252
CHUBB LIMITED COM H1467J104 496,580 1,714 SH SOLE 0 0 1,714
CISCO SYS INC COM 17275R102 1,334,594 19,236 SH SOLE 0 0 19,236
CITIGROUP INC COM NEW 172967424 444,810 5,226 SH SOLE 0 0 5,226
COCA COLA CO COM 191216100 336,871 4,761 SH SOLE 0 0 4,761
COMCAST CORP NEW CL A 20030N101 705,841 19,777 SH SOLE 0 0 19,777
CONSOLIDATED EDISON INC COM 209115104 200,700 2,000 SH SOLE 0 0 2,000
CONSTELLATION BRANDS INC CL A 21036P108 747,189 4,593 SH SOLE 0 0 4,593
COSTCO WHSL CORP NEW COM 22160K105 1,651,826 1,669 SH SOLE 0 0 1,669
CUMMINS INC COM 231021106 956,300 2,920 SH SOLE 0 0 2,920
DIGITAL RLTY TR INC COM 253868103 215,821 1,238 SH SOLE 0 0 1,238
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 296,816 9,547 SH SOLE 0 0 9,547
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 8,914,231 139,919 SH SOLE 0 0 139,919
DISNEY WALT CO COM 254687106 977,943 7,886 SH SOLE 0 0 7,886
DUKE ENERGY CORP NEW COM NEW 26441C204 421,850 3,575 SH SOLE 0 0 3,575
DYCOM INDS INC COM 267475101 277,871 1,137 SH SOLE 0 0 1,137
EDISON INTL COM 281020107 380,602 7,376 SH SOLE 0 0 7,376
ELI LILLY & CO COM 532457108 866,058 1,111 SH SOLE 0 0 1,111
EMBRAER S.A. SPONSORED ADS 29082A107 205,502 3,611 SH SOLE 0 0 3,611
EMCOR GROUP INC COM 29084Q100 299,538 560 SH SOLE 0 0 560
ENBRIDGE INC COM 29250N105 4,458,491 98,378 SH SOLE 0 0 98,378
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 358,847 19,793 SH SOLE 0 0 19,793
ENTERPRISE PRODS PARTNERS L COM 293792107 3,563,669 114,920 SH SOLE 0 0 114,920
EQUINIX INC COM 29444U700 302,279 380 SH SOLE 0 0 380
EXXON MOBIL CORP COM 30231G102 4,467,663 41,444 SH SOLE 0 0 41,444
FEDEX CORP COM 31428X106 545,317 2,399 SH SOLE 0 0 2,399
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 255,903 5,003 SH SOLE 0 0 5,003
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 427,533 8,128 SH SOLE 0 0 8,128
FIRST FNDTN INC COM 32026V104 755,672 148,171 SH SOLE 0 0 148,171
FORTINET INC COM 34959E109 1,089,445 10,305 SH SOLE 0 0 10,305
FREEPORT-MCMORAN INC CL B 35671D857 419,064 9,667 SH SOLE 0 0 9,667
FS KKR CAP CORP COM 302635206 558,486 26,915 SH SOLE 0 0 26,915
GE AEROSPACE COM NEW 369604301 315,303 1,225 SH SOLE 0 0 1,225
GENERAL DYNAMICS CORP COM 369550108 844,064 2,894 SH SOLE 0 0 2,894
GILEAD SCIENCES INC COM 375558103 299,016 2,697 SH SOLE 0 0 2,697
GLOBAL X FDS RATE PREFERRED 37954Y376 252,510 11,075 SH SOLE 0 0 11,075
GLOBAL X FDS US PFD ETF 37954Y657 432,224 22,954 SH SOLE 0 0 22,954
GSK PLC SPONSORED ADR 37733W204 416,794 10,854 SH SOLE 0 0 10,854
HOME DEPOT INC COM 437076102 588,824 1,606 SH SOLE 0 0 1,606
HUNTINGTON INGALLS INDS INC COM 446413106 364,605 1,510 SH SOLE 0 0 1,510
INTEL CORP COM 458140100 273,885 12,227 SH SOLE 0 0 12,227
INTERNATIONAL BUSINESS MACHS COM 459200101 8,023,617 27,219 SH SOLE 0 0 27,219
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449 307,916 2,800 SH SOLE 0 0 2,800
INVESCO QQQ TR UNIT SER 1 46090E103 536,922 973 SH SOLE 0 0 973
ISHARES INC MSCI EMRG CHN 46434G764 10,338,160 163,734 SH SOLE 0 0 163,734
ISHARES SILVER TR ISHARES 46428Q109 541,365 16,500 SH SOLE 0 0 16,500
ISHARES TR CORE S&P MCP ETF 464287507 2,554,790 41,193 SH SOLE 0 0 41,193
ISHARES TR CORE S&P SCP ETF 464287804 1,212,135 11,091 SH SOLE 0 0 11,091
ISHARES TR CORE S&P500 ETF 464287200 5,850,120 9,422 SH SOLE 0 0 9,422
ISHARES TR EAFE GRWTH ETF 464288885 299,152 2,671 SH SOLE 0 0 2,671
ISHARES TR ESG AWR MSCI USA 46435G425 3,308,356 24,452 SH SOLE 0 0 24,452
ISHARES TR GLOBAL TECH ETF 464287291 203,887 2,208 SH SOLE 0 0 2,208
ISHARES TR MSCI EAFE ETF 464287465 606,601 6,786 SH SOLE 0 0 6,786
ISHARES TR MSCI USA QLT FCT 46432F339 909,895 4,977 SH SOLE 0 0 4,977
ISHARES TR MSCI USA VALUE 46432F388 387,857 3,426 SH SOLE 0 0 3,426
ISHARES TR NATIONAL MUN ETF 464288414 293,902 2,813 SH SOLE 0 0 2,813
ISHARES TR RUS 1000 GRW ETF 464287614 10,336,825 24,346 SH SOLE 0 0 24,346
ISHARES TR RUSSELL 2000 ETF 464287655 288,080 1,335 SH SOLE 0 0 1,335
ISHARES TR S&P 100 ETF 464287101 284,872 936 SH SOLE 0 0 936
ISHARES TR SHRT NAT MUN ETF 464288158 1,956,550 18,399 SH SOLE 0 0 18,399
ISHARES TR U.S. MED DVC ETF 464288810 209,343 3,342 SH SOLE 0 0 3,342
ISHARES TR US AER DEF ETF 464288760 1,483,088 7,862 SH SOLE 0 0 7,862
JOHNSON & JOHNSON COM 478160104 2,103,196 13,769 SH SOLE 0 0 13,769
JOHNSON CTLS INTL PLC SHS G51502105 220,218 2,085 SH SOLE 0 0 2,085
JPMORGAN CHASE & CO. COM 46625H100 4,626,117 15,957 SH SOLE 0 0 15,957
KIMBERLY-CLARK CORP COM 494368103 280,143 2,173 SH SOLE 0 0 2,173
KINDER MORGAN INC DEL COM 49456B101 617,547 21,005 SH SOLE 0 0 21,005
KLA CORP COM NEW 482480100 669,118 747 SH SOLE 0 0 747
KRAFT HEINZ CO COM 500754106 715,963 27,729 SH SOLE 0 0 27,729
LOCKHEED MARTIN CORP COM 539830109 439,355 949 SH SOLE 0 0 949
LOWES COS INC COM 548661107 323,930 1,460 SH SOLE 0 0 1,460
MASTERCARD INCORPORATED CL A 57636Q104 879,436 1,565 SH SOLE 0 0 1,565
MCDONALDS CORP COM 580135101 447,529 1,532 SH SOLE 0 0 1,532
MCKESSON CORP COM 58155Q103 257,206 351 SH SOLE 0 0 351
MEDTRONIC PLC SHS G5960L103 323,488 3,711 SH SOLE 0 0 3,711
MERCK & CO INC COM 58933Y105 6,691,316 84,529 SH SOLE 0 0 84,529
META PLATFORMS INC CL A 30303M102 5,999,934 8,129 SH SOLE 0 0 8,129
MICROSOFT CORP COM 594918104 10,068,091 20,241 SH SOLE 0 0 20,241
MORGAN STANLEY COM NEW 617446448 224,672 1,595 SH SOLE 0 0 1,595
NETFLIX INC COM 64110L106 2,072,973 1,548 SH SOLE 0 0 1,548
NEWMONT CORP COM 651639106 204,667 3,513 SH SOLE 0 0 3,513
NEXTERA ENERGY INC COM 65339F101 1,637,132 23,583 SH SOLE 0 0 23,583
NGL ENERGY PARTNERS LP COM UNIT REPST 62913M107 97,356 22,800 SH SOLE 0 0 22,800
NIKE INC CL B 654106103 254,181 3,578 SH SOLE 0 0 3,578
NORFOLK SOUTHN CORP COM 655844108 224,230 876 SH SOLE 0 0 876
NOVARTIS AG SPONSORED ADR 66987V109 397,639 3,286 SH SOLE 0 0 3,286
NUVEEN AMT FREE QLTY MUN INC COM 670657105 769,270 70,446 SH SOLE 0 0 70,446
NUVEEN CALIFORNIA AMT QLT MU COM 670651108 210,095 17,850 SH SOLE 0 0 17,850
NVIDIA CORPORATION COM 67066G104 5,402,152 34,193 SH SOLE 0 0 34,193
PALO ALTO NETWORKS INC COM 697435105 1,673,341 8,177 SH SOLE 0 0 8,177
PAYCHEX INC COM 704326107 304,011 2,090 SH SOLE 0 0 2,090
PAYPAL HLDGS INC COM 70450Y103 237,601 3,197 SH SOLE 0 0 3,197
PEPSICO INC COM 713448108 524,727 3,974 SH SOLE 0 0 3,974
PFIZER INC COM 717081103 1,398,454 57,692 SH SOLE 0 0 57,692
PHILIP MORRIS INTL INC COM 718172109 2,646,349 14,530 SH SOLE 0 0 14,530
PIMCO DYNAMIC INCOME FD SHS 72201Y101 192,185 10,131 SH SOLE 0 0 10,131
PROCTER AND GAMBLE CO COM 742718109 700,849 4,399 SH SOLE 0 0 4,399
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 286,212 3,400 SH SOLE 0 0 3,400
QUALCOMM INC COM 747525103 1,425,058 8,948 SH SOLE 0 0 8,948
RB GLOBAL INC COM 74935Q107 205,371 1,934 SH SOLE 0 0 1,934
REALTY INCOME CORP COM 756109104 565,385 9,814 SH SOLE 0 0 9,814
RTX CORPORATION COM 75513E101 1,537,883 10,532 SH SOLE 0 0 10,532
SALESFORCE INC COM 79466L302 1,560,605 5,723 SH SOLE 0 0 5,723
SANOFI SPONSORED ADR 80105N105 277,831 5,751 SH SOLE 0 0 5,751
SAP SE SPON ADR 803054204 322,042 1,059 SH SOLE 0 0 1,059
SCHWAB CHARLES CORP COM 808513105 1,238,401 13,573 SH SOLE 0 0 13,573
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 17,756,089 803,443 SH SOLE 0 0 803,443
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 35,313,135 1,410,832 SH SOLE 0 0 1,410,832
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 35,468,341 1,454,813 SH SOLE 0 0 1,454,813
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 494,477 21,277 SH SOLE 0 0 21,277
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,620,089 174,343 SH SOLE 0 0 174,343
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 32,156,235 1,100,864 SH SOLE 0 0 1,100,864
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 384,807 13,907 SH SOLE 0 0 13,907
SELECT SECTOR SPDR TR ENERGY 81369Y506 344,753 4,065 SH SOLE 0 0 4,065
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 3,887,516 93,856 SH SOLE 0 0 93,856
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 686,755 5,095 SH SOLE 0 0 5,095
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 277,726 3,401 SH SOLE 0 0 3,401
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 708,538 2,798 SH SOLE 0 0 2,798
SERVICENOW INC COM 81762P102 489,366 476 SH SOLE 0 0 476
SHELL PLC SPON ADS 780259305 364,372 5,175 SH SOLE 0 0 5,175
SOUTHERN CO COM 842587107 325,813 3,548 SH SOLE 0 0 3,548
SPDR S&P 500 ETF TR TR UNIT 78462F103 249,611 404 SH SOLE 0 0 404
SPDR SERIES TRUST AEROSPACE DEF 78464A631 7,646,238 36,248 SH SOLE 0 0 36,248
SPDR SERIES TRUST BLOOMBERG INTL T 78464A516 9,223,372 392,651 SH SOLE 0 0 392,651
SPDR SERIES TRUST PORTFLI HIGH YLD 78468R606 344,409 14,471 SH SOLE 0 0 14,471
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 15,006,722 564,587 SH SOLE 0 0 564,587
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 455,476 6,266 SH SOLE 0 0 6,266
SPDR SERIES TRUST PRTFLO S&P500 HI 78468R788 604,006 14,232 SH SOLE 0 0 14,232
STARBUCKS CORP COM 855244109 948,472 10,351 SH SOLE 0 0 10,351
SYSCO CORP COM 871829107 284,101 3,751 SH SOLE 0 0 3,751
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 1,723,815 7,611 SH SOLE 0 0 7,611
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 175,811 11,372 SH SOLE 0 0 11,372
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 216,865 893 SH SOLE 0 0 893
TARGET CORP COM 87612E106 759,112 7,695 SH SOLE 0 0 7,695
TESLA INC COM 88160R101 954,251 3,004 SH SOLE 0 0 3,004
TEXAS INSTRS INC COM 882508104 361,882 1,743 SH SOLE 0 0 1,743
TRUIST FINL CORP COM 89832Q109 681,349 15,849 SH SOLE 0 0 15,849
UBER TECHNOLOGIES INC COM 90353T100 1,135,834 12,174 SH SOLE 0 0 12,174
UNILEVER PLC SPON ADR NEW 904767704 726,271 11,873 SH SOLE 0 0 11,873
UNION PAC CORP COM 907818108 403,100 1,752 SH SOLE 0 0 1,752
UNITED PARCEL SERVICE INC CL B 911312106 1,394,688 13,817 SH SOLE 0 0 13,817
VALLEY NATL BANCORP COM 919794107 553,687 62,003 SH SOLE 0 0 62,003
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 567,172 11,296 SH SOLE 0 0 11,296
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,600,761 45,753 SH SOLE 0 0 45,753
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 1,977,383 20,258 SH SOLE 0 0 20,258
VANGUARD INDEX FDS GROWTH ETF 922908736 672,506 1,534 SH SOLE 0 0 1,534
VANGUARD INDEX FDS MID CAP ETF 922908629 9,217,030 32,938 SH SOLE 0 0 32,938
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,218,144 2,145 SH SOLE 0 0 2,145
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,172,796 7,149 SH SOLE 0 0 7,149
VANGUARD INDEX FDS VALUE ETF 922908744 32,484,708 183,799 SH SOLE 0 0 183,799
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845 3,392,875 44,909 SH SOLE 0 0 44,909
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 231,336 1,800 SH SOLE 0 0 1,800
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 698,678 14,250 SH SOLE 0 0 14,250
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 11,456,529 138,164 SH SOLE 0 0 138,164
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 11,709,516 252,687 SH SOLE 0 0 252,687
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,844,317 18,783 SH SOLE 0 0 18,783
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 742,669 13,027 SH SOLE 0 0 13,027
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 487,222 7,456 SH SOLE 0 0 7,456
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 688,813 5,167 SH SOLE 0 0 5,167
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 933,842 11,657 SH SOLE 0 0 11,657
VANGUARD WORLD FD ENERGY ETF 92204A306 238,240 2,000 SH SOLE 0 0 2,000
VANGUARD WORLD FD MEGA CAP INDEX 921910873 557,577 2,479 SH SOLE 0 0 2,479
VERIZON COMMUNICATIONS INC COM 92343V104 856,746 19,800 SH SOLE 0 0 19,800
VISA INC COM CL A 92826C839 1,029,645 2,900 SH SOLE 0 0 2,900
VISTRA CORP COM 92840M102 278,893 1,439 SH SOLE 0 0 1,439
WALMART INC COM 931142103 3,413,405 34,909 SH SOLE 0 0 34,909
WASTE MGMT INC DEL COM 94106L109 231,566 1,012 SH SOLE 0 0 1,012
WELLS FARGO CO NEW COM 949746101 471,907 5,890 SH SOLE 0 0 5,890
WISDOMTREE TR JAPN HEDGE EQT 97717W851 557,409 4,878 SH SOLE 0 0 4,878
WP CAREY INC COM 92936U109 490,432 7,862 SH SOLE 0 0 7,862