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 948,612 5,925 SH SOLE 0 0 5,925
ABBOTT LABS COM 002824100 597,508 4,769 SH SOLE 0 0 4,769
ABBVIE INC COM 00287Y109 1,228,591 5,377 SH SOLE 0 0 5,377
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100 2,707,546 13,169 SH SOLE 0 0 13,169
ADOBE INC COM 00724F101 436,438 1,247 SH SOLE 0 0 1,247
ADVANCED MICRO DEVICES INC COM 007903107 221,870 1,036 SH SOLE 0 0 1,036
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 472,867 3,226 SH SOLE 0 0 3,226
ALLSTATE CORP COM 020002101 338,452 1,626 SH SOLE 0 0 1,626
ALPHABET INC CAP STK CL A 02079K305 8,887,948 28,396 SH SOLE 0 0 28,396
ALPHABET INC CAP STK CL C 02079K107 6,977,657 22,236 SH SOLE 0 0 22,236
ALTRIA GROUP INC COM 02209S103 810,238 14,052 SH SOLE 0 0 14,052
AMAZON COM INC COM 023135106 6,694,472 29,003 SH SOLE 0 0 29,003
AMBEV SA SPONSORED ADR 02319V103 149,349 60,465 SH SOLE 0 0 60,465
AMERICAN ELEC PWR CO INC COM 025537101 222,779 1,932 SH SOLE 0 0 1,932
AMERICAN EXPRESS CO COM 025816109 353,672 956 SH SOLE 0 0 956
AMGEN INC COM 031162100 682,769 2,086 SH SOLE 0 0 2,086
APPLE INC COM 037833100 21,809,097 80,222 SH SOLE 0 0 80,222
ARES CAPITAL CORP COM 04010L103 1,033,955 51,110 SH SOLE 0 0 51,110
AT&T INC COM 00206R102 686,528 27,638 SH SOLE 0 0 27,638
BANK AMERICA CORP COM 060505104 2,446,845 44,488 SH SOLE 0 0 44,488
BARCLAYS PLC ADR 06738E204 225,589 8,864 SH SOLE 0 0 8,864
BARRICK MNG CORP COM SHS 06849F108 1,133,694 26,032 SH SOLE 0 0 26,032
BERKSHIRE HATHAWAY INC DEL CL A 084670108 754,800 1 SH SOLE 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,709,054 7,379 SH SOLE 0 0 7,379
BLACKROCK ETF TRUST II ISHARES SHORT-TE 092528884 472,709 9,368 SH SOLE 0 0 9,368
BLACKROCK INC COM 09290D101 324,313 303 SH SOLE 0 0 303
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102 390,500 14,831 SH SOLE 0 0 14,831
BLOCK INC CL A 852234103 517,400 7,949 SH SOLE 0 0 7,949
BOEING CO COM 097023105 232,101 1,069 SH SOLE 0 0 1,069
BOOT BARN HLDGS INC COM 099406100 230,117 1,304 SH SOLE 0 0 1,304
BRISTOL-MYERS SQUIBB CO COM 110122108 255,136 4,730 SH SOLE 0 0 4,730
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 238,715 4,216 SH SOLE 0 0 4,216
BROADCOM INC COM 11135F101 1,096,445 3,168 SH SOLE 0 0 3,168
CATERPILLAR INC COM 149123101 3,497,371 6,105 SH SOLE 0 0 6,105
CENCORA INC COM 03073E105 354,300 1,049 SH SOLE 0 0 1,049
CHEVRON CORP NEW COM 166764100 7,100,629 46,589 SH SOLE 0 0 46,589
CHUBB LIMITED COM H1467J104 721,621 2,312 SH SOLE 0 0 2,312
CISCO SYS INC COM 17275R102 1,456,714 18,911 SH SOLE 0 0 18,911
CITIGROUP INC COM NEW 172967424 562,206 4,818 SH SOLE 0 0 4,818
CME GROUP INC COM 12572Q105 2,122,105 7,771 SH SOLE 0 0 7,771
COCA COLA CO COM 191216100 332,344 4,754 SH SOLE 0 0 4,754
CONSTELLATION BRANDS INC CL A 21036P108 653,517 4,737 SH SOLE 0 0 4,737
COSTCO WHSL CORP NEW COM 22160K105 2,118,489 2,457 SH SOLE 0 0 2,457
CUMMINS INC COM 231021106 1,490,514 2,920 SH SOLE 0 0 2,920
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 328,990 9,547 SH SOLE 0 0 9,547
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,629,912 37,748 SH SOLE 0 0 37,748
DISNEY WALT CO COM 254687106 804,126 7,068 SH SOLE 0 0 7,068
DUKE ENERGY CORP NEW COM NEW 26441C204 358,663 3,060 SH SOLE 0 0 3,060
DYCOM INDS INC COM 267475101 384,192 1,137 SH SOLE 0 0 1,137
EDISON INTL COM 281020107 442,708 7,376 SH SOLE 0 0 7,376
ELI LILLY & CO COM 532457108 1,254,152 1,167 SH SOLE 0 0 1,167
EMBRAER S.A. SPONSORED ADS 29082A107 222,527 3,457 SH SOLE 0 0 3,457
EMCOR GROUP INC COM 29084Q100 342,602 560 SH SOLE 0 0 560
ENBRIDGE INC COM 29250N105 4,536,723 94,851 SH SOLE 0 0 94,851
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 334,632 20,293 SH SOLE 0 0 20,293
ENTERPRISE PRODS PARTNERS L COM 293792107 3,628,871 113,190 SH SOLE 0 0 113,190
EQUINIX INC COM 29444U700 581,515 759 SH SOLE 0 0 759
EXXON MOBIL CORP COM 30231G102 5,035,507 41,844 SH SOLE 0 0 41,844
FEDEX CORP COM 31428X106 692,975 2,399 SH SOLE 0 0 2,399
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 245,999 5,001 SH SOLE 0 0 5,001
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 448,828 8,128 SH SOLE 0 0 8,128
FIRST FNDTN INC COM 32026V104 890,471 144,557 SH SOLE 0 0 144,557
FORTINET INC COM 34959E109 818,320 10,305 SH SOLE 0 0 10,305
FREEPORT-MCMORAN INC CL B 35671D857 688,458 13,555 SH SOLE 0 0 13,555
FS KKR CAP CORP COM 302635206 276,518 18,671 SH SOLE 0 0 18,671
GE AEROSPACE COM NEW 369604301 386,444 1,255 SH SOLE 0 0 1,255
GE VERNOVA INC COM 36828A101 203,260 311 SH SOLE 0 0 311
GENERAL DYNAMICS CORP COM 369550108 520,476 1,546 SH SOLE 0 0 1,546
GENERAL MLS INC COM 370334104 246,822 5,308 SH SOLE 0 0 5,308
GILEAD SCIENCES INC COM 375558103 331,275 2,699 SH SOLE 0 0 2,699
GLOBAL X FDS US PFD ETF 37954Y657 442,551 23,403 SH SOLE 0 0 23,403
GOLDMAN SACHS GROUP INC COM 38141G104 243,483 277 SH SOLE 0 0 277
GSK PLC SPONSORED ADR 37733W204 441,899 9,011 SH SOLE 0 0 9,011
HOME DEPOT INC COM 437076102 583,637 1,696 SH SOLE 0 0 1,696
INTEL CORP COM 458140100 477,191 12,932 SH SOLE 0 0 12,932
INTERNATIONAL BUSINESS MACHS COM 459200101 8,310,468 28,056 SH SOLE 0 0 28,056
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449 330,848 2,800 SH SOLE 0 0 2,800
INVESCO QQQ TR UNIT SER 1 46090E103 743,838 1,211 SH SOLE 0 0 1,211
ISHARES INC MSCI EMRG CHN 46434G764 12,254,221 168,605 SH SOLE 0 0 168,605
ISHARES SILVER TR ISHARES 46428Q109 1,062,930 16,500 SH SOLE 0 0 16,500
ISHARES TR CALIF MUN BD ETF 464288356 254,318 4,426 SH SOLE 0 0 4,426
ISHARES TR CORE S&P MCP ETF 464287507 2,721,774 41,239 SH SOLE 0 0 41,239
ISHARES TR CORE S&P SCP ETF 464287804 1,308,400 10,887 SH SOLE 0 0 10,887
ISHARES TR CORE S&P500 ETF 464287200 6,419,258 9,372 SH SOLE 0 0 9,372
ISHARES TR EAFE GRWTH ETF 464288885 304,280 2,671 SH SOLE 0 0 2,671
ISHARES TR EAFE VALUE ETF 464288877 213,087 2,984 SH SOLE 0 0 2,984
ISHARES TR ESG AWR MSCI USA 46435G425 3,586,396 24,073 SH SOLE 0 0 24,073
ISHARES TR GLOBAL TECH ETF 464287291 231,840 2,208 SH SOLE 0 0 2,208
ISHARES TR MSCI ACWI ETF 464288257 224,403 1,586 SH SOLE 0 0 1,586
ISHARES TR MSCI EAFE ETF 464287465 651,660 6,786 SH SOLE 0 0 6,786
ISHARES TR MSCI USA QLT FCT 46432F339 972,046 4,894 SH SOLE 0 0 4,894
ISHARES TR MSCI USA VALUE 46432F388 468,437 3,426 SH SOLE 0 0 3,426
ISHARES TR NATIONAL MUN ETF 464288414 265,740 2,481 SH SOLE 0 0 2,481
ISHARES TR RUS 1000 GRW ETF 464287614 11,296,251 23,867 SH SOLE 0 0 23,867
ISHARES TR RUSSELL 2000 ETF 464287655 444,319 1,805 SH SOLE 0 0 1,805
ISHARES TR S&P 100 ETF 464287101 321,020 936 SH SOLE 0 0 936
ISHARES TR SHRT NAT MUN ETF 464288158 2,100,496 19,686 SH SOLE 0 0 19,686
ISHARES TR U.S. MED DVC ETF 464288810 207,705 3,342 SH SOLE 0 0 3,342
ISHARES TR US AER DEF ETF 464288760 1,687,893 7,862 SH SOLE 0 0 7,862
ISHARES TR US REGNL BKS ETF 464288778 213,761 3,876 SH SOLE 0 0 3,876
ISHARES TR US SML CAP EQT 46434V290 7,426,524 99,179 SH SOLE 0 0 99,179
JOBY AVIATION INC COMMON STOCK G65163100 137,346 10,405 SH SOLE 0 0 10,405
JOHNSON & JOHNSON COM 478160104 2,852,366 13,783 SH SOLE 0 0 13,783
JOHNSON CTLS INTL PLC SHS G51502105 249,679 2,085 SH SOLE 0 0 2,085
JPMORGAN CHASE & CO. COM 46625H100 5,130,106 15,921 SH SOLE 0 0 15,921
KINDER MORGAN INC DEL COM 49456B101 577,427 21,005 SH SOLE 0 0 21,005
KLA CORP COM NEW 482480100 883,363 727 SH SOLE 0 0 727
KRAFT HEINZ CO COM 500754106 470,959 19,421 SH SOLE 0 0 19,421
LAM RESEARCH CORP COM NEW 512807306 325,584 1,902 SH SOLE 0 0 1,902
LOCKHEED MARTIN CORP COM 539830109 410,464 849 SH SOLE 0 0 849
LOWES COS INC COM 548661107 352,576 1,462 SH SOLE 0 0 1,462
MASTERCARD INCORPORATED CL A 57636Q104 892,856 1,564 SH SOLE 0 0 1,564
MCDONALDS CORP COM 580135101 468,758 1,534 SH SOLE 0 0 1,534
MCKESSON CORP COM 58155Q103 287,922 351 SH SOLE 0 0 351
MEDTRONIC PLC SHS G5960L103 321,417 3,346 SH SOLE 0 0 3,346
MERCK & CO INC COM 58933Y105 9,385,508 89,165 SH SOLE 0 0 89,165
META PLATFORMS INC CL A 30303M102 5,271,549 7,986 SH SOLE 0 0 7,986
MICROSOFT CORP COM 594918104 9,899,803 20,470 SH SOLE 0 0 20,470
MORGAN STANLEY COM NEW 617446448 283,160 1,595 SH SOLE 0 0 1,595
NETFLIX INC COM 64110L106 1,448,592 15,450 SH SOLE 0 0 15,450
NEWMONT CORP COM 651639106 284,573 2,850 SH SOLE 0 0 2,850
NEXTERA ENERGY INC COM 65339F101 1,910,905 23,803 SH SOLE 0 0 23,803
NGL ENERGY PARTNERS LP COM UNIT REPST 62913M107 228,000 22,800 SH SOLE 0 0 22,800
NIKE INC CL B 654106103 228,018 3,579 SH SOLE 0 0 3,579
NORFOLK SOUTHN CORP COM 655844108 252,919 876 SH SOLE 0 0 876
NOVARTIS AG SPONSORED ADR 66987V109 422,709 3,066 SH SOLE 0 0 3,066
NUVEEN AMT FREE QLTY MUN INC COM 670657105 819,287 70,446 SH SOLE 0 0 70,446
NUVEEN CALIFORNIA AMT QLT MU COM 670651108 222,054 17,850 SH SOLE 0 0 17,850
NVIDIA CORPORATION COM 67066G104 6,331,498 33,949 SH SOLE 0 0 33,949
ORACLE CORP COM 68389X105 259,815 1,333 SH SOLE 0 0 1,333
PALO ALTO NETWORKS INC COM 697435105 1,505,835 8,175 SH SOLE 0 0 8,175
PAYPAL HLDGS INC COM 70450Y103 205,439 3,519 SH SOLE 0 0 3,519
PEPSICO INC COM 713448108 470,459 3,278 SH SOLE 0 0 3,278
PFIZER INC COM 717081103 1,755,101 70,486 SH SOLE 0 0 70,486
PHILIP MORRIS INTL INC COM 718172109 2,327,404 14,510 SH SOLE 0 0 14,510
PROCTER AND GAMBLE CO COM 742718109 610,644 4,261 SH SOLE 0 0 4,261
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 273,020 3,400 SH SOLE 0 0 3,400
QUALCOMM INC COM 747525103 1,602,603 9,369 SH SOLE 0 0 9,369
REALTY INCOME CORP COM 756109104 693,407 12,301 SH SOLE 0 0 12,301
RTX CORPORATION COM 75513E101 1,323,414 7,216 SH SOLE 0 0 7,216
SALESFORCE INC COM 79466L302 1,286,403 4,856 SH SOLE 0 0 4,856
SANOFI SA SPONSORED ADR 80105N105 268,614 5,543 SH SOLE 0 0 5,543
SAP SE SPON ADR 803054204 257,242 1,059 SH SOLE 0 0 1,059
SCHWAB CHARLES CORP COM 808513105 1,539,114 15,405 SH SOLE 0 0 15,405
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 20,728,476 862,249 SH SOLE 0 0 862,249
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 38,754,757 1,545,245 SH SOLE 0 0 1,545,245
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 39,703,874 1,629,211 SH SOLE 0 0 1,629,211
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 288,970 12,365 SH SOLE 0 0 12,365
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,651,086 169,562 SH SOLE 0 0 169,562
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 35,743,246 1,095,746 SH SOLE 0 0 1,095,746
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 400,831 13,537 SH SOLE 0 0 13,537
SELECT SECTOR SPDR TR STATE STREET ENE 81369Y506 363,492 8,130 SH SOLE 0 0 8,130
SELECT SECTOR SPDR TR STATE STREET HEA 81369Y209 672,606 4,345 SH SOLE 0 0 4,345
SELECT SECTOR SPDR TR STATE STREET REA 81369Y860 4,526,060 112,170 SH SOLE 0 0 112,170
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 805,656 5,596 SH SOLE 0 0 5,596
SELECT SECTOR SPDR TR STATE STREET UTI 81369Y886 290,377 6,802 SH SOLE 0 0 6,802
SERVICENOW INC COM 81762P102 364,745 2,381 SH SOLE 0 0 2,381
SHELL PLC SPON ADS 780259305 401,789 5,468 SH SOLE 0 0 5,468
SOUTHERN CO COM 842587107 309,037 3,544 SH SOLE 0 0 3,544
SPDR S&P 500 ETF TR TR UNIT 78462F103 699,650 1,026 SH SOLE 0 0 1,026
SPDR SERIES TRUST BLOOMBERG INTL T 78464A516 9,784,711 434,297 SH SOLE 0 0 434,297
SPDR SERIES TRUST STATE STREET SPD 78464A664 16,187,279 611,533 SH SOLE 0 0 611,533
SPDR SERIES TRUST STATE STREET SPD 78464A854 493,433 6,151 SH SOLE 0 0 6,151
SPDR SERIES TRUST STATE STREET SPD 78464A631 8,168,816 33,862 SH SOLE 0 0 33,862
SPDR SERIES TRUST STATE STREET SPD 78468R788 615,534 14,232 SH SOLE 0 0 14,232
SPDR SERIES TRUST STATE STREET SPD 78468R606 297,651 12,575 SH SOLE 0 0 12,575
STARBUCKS CORP COM 855244109 808,594 9,602 SH SOLE 0 0 9,602
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 2,312,907 7,611 SH SOLE 0 0 7,611
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 228,635 893 SH SOLE 0 0 893
TARGET CORP COM 87612E106 937,911 9,595 SH SOLE 0 0 9,595
TESLA INC COM 88160R101 1,395,931 3,104 SH SOLE 0 0 3,104
TEXAS INSTRS INC COM 882508104 302,393 1,743 SH SOLE 0 0 1,743
TJX COS INC NEW COM 872540109 202,151 1,316 SH SOLE 0 0 1,316
TRUIST FINL CORP COM 89832Q109 780,126 15,853 SH SOLE 0 0 15,853
UBER TECHNOLOGIES INC COM 90353T100 1,073,016 13,132 SH SOLE 0 0 13,132
UBS GROUP AG SHS H42097107 253,223 5,468 SH SOLE 0 0 5,468
UNILEVER PLC SPON ADR NEW 904767803 689,839 10,548 SH SOLE 0 0 10,548
UNION PAC CORP COM 907818108 359,703 1,555 SH SOLE 0 0 1,555
UNITED PARCEL SERVICE INC CL B 911312106 2,057,895 20,747 SH SOLE 0 0 20,747
VALLEY NATL BANCORP COM 919794107 268,220 22,964 SH SOLE 0 0 22,964
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 1,042,286 20,389 SH SOLE 0 0 20,389
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,882,653 49,266 SH SOLE 0 0 49,266
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 2,263,570 22,577 SH SOLE 0 0 22,577
VANGUARD INDEX FDS GROWTH ETF 922908736 791,309 1,622 SH SOLE 0 0 1,622
VANGUARD INDEX FDS MID CAP ETF 922908629 2,463,194 8,487 SH SOLE 0 0 8,487
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,300,378 2,074 SH SOLE 0 0 2,074
VANGUARD INDEX FDS SMALL CP ETF 922908751 263,367 1,021 SH SOLE 0 0 1,021
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,347,896 7,003 SH SOLE 0 0 7,003
VANGUARD INDEX FDS VALUE ETF 922908744 38,750,764 202,894 SH SOLE 0 0 202,894
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845 3,693,883 48,971 SH SOLE 0 0 48,971
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 695,611 13,832 SH SOLE 0 0 13,832
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 13,158,605 157,118 SH SOLE 0 0 157,118
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 12,970,775 275,505 SH SOLE 0 0 275,505
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,227,029 19,233 SH SOLE 0 0 19,233
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,067,237 17,084 SH SOLE 0 0 17,084
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 679,870 10,083 SH SOLE 0 0 10,083
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 741,568 5,167 SH SOLE 0 0 5,167
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 1,144,800 12,720 SH SOLE 0 0 12,720
VANGUARD WORLD FD ENERGY ETF 92204A306 251,840 2,000 SH SOLE 0 0 2,000
VANGUARD WORLD FD MEGA CAP INDEX 921910873 622,650 2,479 SH SOLE 0 0 2,479
VERIZON COMMUNICATIONS INC COM 92343V104 785,071 19,275 SH SOLE 0 0 19,275
VISA INC COM CL A 92826C839 1,043,012 2,974 SH SOLE 0 0 2,974
VISTRA CORP COM 92840M102 232,154 1,439 SH SOLE 0 0 1,439
WALMART INC COM 931142103 3,888,212 34,900 SH SOLE 0 0 34,900
WELLS FARGO CO NEW COM 949746101 544,008 5,837 SH SOLE 0 0 5,837
WELLTOWER INC COM 95040Q104 225,516 1,215 SH SOLE 0 0 1,215
WISDOMTREE TR INDIA ERNGS FD 97717W422 253,206 5,470 SH SOLE 0 0 5,470
WISDOMTREE TR JAPN HEDGE EQT 97717W851 703,212 4,878 SH SOLE 0 0 4,878
WP CAREY INC COM 92936U109 473,818 7,362 SH SOLE 0 0 7,362