# EDGAR Filing Document

**Accession Number:** 0001713697
**File Stem:** 0001085146-23-000437
**Filing Date:** 2023-1
**Character Count:** 20946
**Document Hash:** 7847741f516e5b20c7df25dcdd044ed6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-000437.hdr.sgml**: 20230130

**ACCESSION NUMBER**: 0001085146-23-000437

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230130

**DATE AS OF CHANGE**: 20230127

**EFFECTIVENESS DATE**: 20230130

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FLC Capital Advisors
- **CENTRAL INDEX KEY:** 0001713697
- **IRS NUMBER:** 300726812
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19079
- **FILM NUMBER:** 23564632

**BUSINESS ADDRESS:**
- **STREET 1:** 44750 VILLAGE COURT
- **CITY:** PALM DESERT
- **STATE:** CA
- **ZIP:** 92260
- **BUSINESS PHONE:** 760-779-8110

**MAIL ADDRESS:**
- **STREET 1:** 44750 VILLAGE COURT
- **CITY:** PALM DESERT
- **STATE:** CA
- **ZIP:** 92260

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** FLC Capital Advisors<br>**Address:** 44750 Village Court<br>Palm Desert, CA 92260

**Form 13F File Number:** 028-19079

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Brian Ekstrom<br>**Title:** Chief Compliance Officer<br>**Phone:** 760-779-8110

**Signature, Place, and Date of Signing:**

/s/ Brian Ekstrom  Palm Desert, CA  01-27-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 159

**Form 13F Information Table Value Total:** $321450970

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| 3M CO | COM | 88579Y101 | BBG001S5T7X2 | 1462664 | 12197 | SH |  | SOLE |  | 0 | 0 | 12197 |
| ABBOTT LABS | COM | 002824100 | BBG001S5N9M6 | 508218 | 4629 | SH |  | SOLE |  | 0 | 0 | 4629 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 1668844 | 10326 | SH |  | SOLE |  | 0 | 0 | 10326 |
| ABRDN PRECIOUS METALS BASKET | PHYSCL PRECS MET | 003263100 | BBG001T79CF8 | 1961365 | 21981 | SH |  | SOLE |  | 0 | 0 | 21981 |
| ACTIVISION BLIZZARD INC | COM | 00507V109 | BBG001S6C009 | 259505 | 3390 | SH |  | SOLE |  | 0 | 0 | 3390 |
| ADOBE SYSTEMS INCORPORATED | COM | 00724F101 | BBG001S5NCQ5 | 427057 | 1269 | SH |  | SOLE |  | 0 | 0 | 1269 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 2217926 | 25138 | SH |  | SOLE |  | 0 | 0 | 25138 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 1832718 | 20655 | SH |  | SOLE |  | 0 | 0 | 20655 |
| ALTRIA GROUP INC | COM | 02209S103 | BBG001S5T8T5 | 497782 | 10890 | SH |  | SOLE |  | 0 | 0 | 10890 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 1685460 | 20065 | SH |  | SOLE |  | 0 | 0 | 20065 |
| AMGEN INC | COM | 031162100 | BBG001S5NNL6 | 581222 | 2213 | SH |  | SOLE |  | 0 | 0 | 2213 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 9120469 | 70195 | SH |  | SOLE |  | 0 | 0 | 70195 |
| AT INC | COM | 00206R102 | BBG001S5VWH2 | 836679 | 45447 | SH |  | SOLE |  | 0 | 0 | 45447 |
| BANK AMERICA CORP | COM | 060505104 | BBG001S5P0Y0 | 1433599 | 43285 | SH |  | SOLE |  | 0 | 0 | 43285 |
| BARRICK GOLD CORP | COM | 067901108 | BBG001S5N9P3 | 282834 | 16463 | SH |  | SOLE |  | 0 | 0 | 16463 |
| BCE INC | COM NEW | 05534B760 | BBG001S5P2C0 | 201159 | 4577 | SH |  | SOLE |  | 0 | 0 | 4577 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 2425792 | 7853 | SH |  | SOLE |  | 0 | 0 | 7853 |
| BLACKROCK INC | COM | 09247X101 | BBG001SDBP55 | 208337 | 294 | SH |  | SOLE |  | 0 | 0 | 294 |
| BNY MELLON MUN BD INFRASTRUC | COM SHS | 09662W109 | BBG004H65YJ9 | 184451 | 17550 | SH |  | SOLE |  | 0 | 0 | 17550 |
| BOEING CO | COM | 097023105 | BBG001S5P0V3 | 356788 | 1873 | SH |  | SOLE |  | 0 | 0 | 1873 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 | BBG001S8N8J6 | 455444 | 6330 | SH |  | SOLE |  | 0 | 0 | 6330 |
| CATERPILLAR INC | COM | 149123101 | BBG001S5PJ06 | 2241323 | 9356 | SH |  | SOLE |  | 0 | 0 | 9356 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 4205989 | 23433 | SH |  | SOLE |  | 0 | 0 | 23433 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 1231780 | 25856 | SH |  | SOLE |  | 0 | 0 | 25856 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 230586 | 3625 | SH |  | SOLE |  | 0 | 0 | 3625 |
| COMCAST CORP NEW | CL A | 20030N101 | BBG001S5PXL2 | 742308 | 21227 | SH |  | SOLE |  | 0 | 0 | 21227 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 383126 | 839 | SH |  | SOLE |  | 0 | 0 | 839 |
| CUMMINS INC | COM | 231021106 | BBG001S5Q9M3 | 654183 | 2700 | SH |  | SOLE |  | 0 | 0 | 2700 |
| CVS HEALTH CORP | COM | 126650100 | BBG001S5QBD8 | 883534 | 9481 | SH |  | SOLE |  | 0 | 0 | 9481 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 | BBG011DXXVM0 | 4137575 | 80891 | SH |  | SOLE |  | 0 | 0 | 80891 |
| DISNEY WALT CO | COM | 254687106 | BBG001S5QHF3 | 625362 | 7198 | SH |  | SOLE |  | 0 | 0 | 7198 |
| EDISON INTL | COM | 281020107 | BBG001S7MY75 | 552985 | 8692 | SH |  | SOLE |  | 0 | 0 | 8692 |
| ENBRIDGE INC | COM | 29250N105 | BBG001S6Q6D7 | 2373370 | 60700 | SH |  | SOLE |  | 0 | 0 | 60700 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 | BBG001S9P0Z1 | 2156159 | 89393 | SH |  | SOLE |  | 0 | 0 | 89393 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 3977087 | 36057 | SH |  | SOLE |  | 0 | 0 | 36057 |
| FEDEX CORP | COM | 31428X106 | BBG001S5R3M5 | 446163 | 2576 | SH |  | SOLE |  | 0 | 0 | 2576 |
| FIDELITY COVINGTON TRUST | CONSMR STAPLES | 316092303 | BBG005FHW240 | 224050 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| FIRST FNDTN INC | COM | 32026V104 | BBG001V9VY13 | 1419730 | 99074 | SH |  | SOLE |  | 0 | 0 | 99074 |
| FORTINET INC | COM | 34959E109 | BBG001S77BL6 | 538034 | 11005 | SH |  | SOLE |  | 0 | 0 | 11005 |
| FREEPORT-MCMORAN INC | CL B | 35671D857 | BBG001S5R3F3 | 294462 | 7749 | SH |  | SOLE |  | 0 | 0 | 7749 |
| GENERAL DYNAMICS CORP | COM | 369550108 | BBG001S5RHP1 | 236945 | 955 | SH |  | SOLE |  | 0 | 0 | 955 |
| GENERAL MTRS CO | COM | 37045V100 | BBG001SM1DK6 | 295527 | 8785 | SH |  | SOLE |  | 0 | 0 | 8785 |
| GILEAD SCIENCES INC | COM | 375558103 | BBG001S6Y1X7 | 287683 | 3351 | SH |  | SOLE |  | 0 | 0 | 3351 |
| GLACIER BANCORP INC NEW | COM | 37637Q105 | BBG001S6HGM5 | 1067472 | 21600 | SH |  | SOLE |  | 0 | 0 | 21600 |
| GLOBAL X FDS | US PFD ETF | 37954Y657 | BBG00HPF2LX6 | 574359 | 29652 | SH |  | SOLE |  | 0 | 0 | 29652 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 989706 | 3133 | SH |  | SOLE |  | 0 | 0 | 3133 |
| INTEL CORP | COM | 458140100 | BBG001S5SF65 | 690008 | 26107 | SH |  | SOLE |  | 0 | 0 | 26107 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 3885042 | 27575 | SH |  | SOLE |  | 0 | 0 | 27575 |
| INVESCO EXCH TRADED FD TR II | PFD ETF | 46138E511 | BBG001T0NSB6 | 133143 | 11909 | SH |  | SOLE |  | 0 | 0 | 11909 |
| INVESCO EXCH TRADED FD TR II | S EMRNG MKTS | 46138E297 | BBG002DJ8H94 | 1227123 | 53330 | SH |  | SOLE |  | 0 | 0 | 53330 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 496612 | 1865 | SH |  | SOLE |  | 0 | 0 | 1865 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 | BBG00D7BDH70 | 216173 | 7189 | SH |  | SOLE |  | 0 | 0 | 7189 |
| ISHARES SILVER TR | ISHARES | 46428Q109 | BBG001SQLN69 | 218571 | 9926 | SH |  | SOLE |  | 0 | 0 | 9926 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 | BBG001TG5H89 | 5833501 | 60164 | SH |  | SOLE |  | 0 | 0 | 60164 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 | BBG001V0XLT8 | 389962 | 3741 | SH |  | SOLE |  | 0 | 0 | 3741 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 331808 | 5383 | SH |  | SOLE |  | 0 | 0 | 5383 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 2799635 | 11574 | SH |  | SOLE |  | 0 | 0 | 11574 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 1528152 | 16147 | SH |  | SOLE |  | 0 | 0 | 16147 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 4681983 | 12186 | SH |  | SOLE |  | 0 | 0 | 12186 |
| ISHARES TR | CORE TOTAL USD | 46434V613 | BBG006MJCSW0 | 322148 | 7170 | SH |  | SOLE |  | 0 | 0 | 7170 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 | BBG001SP62C7 | 2098523 | 25054 | SH |  | SOLE |  | 0 | 0 | 25054 |
| ISHARES TR | EAFE VALUE ETF | 464288877 | BBG001SNYBH6 | 1968344 | 42902 | SH |  | SOLE |  | 0 | 0 | 42902 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 | BBG00FFPFTS4 | 4895414 | 57763 | SH |  | SOLE |  | 0 | 0 | 57763 |
| ISHARES TR | FALN ANGLS USD | 46435G474 | BBG00D332C84 | 205887 | 8366 | SH |  | SOLE |  | 0 | 0 | 8366 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 | BBG001S60KQ0 | 217426 | 4850 | SH |  | SOLE |  | 0 | 0 | 4850 |
| ISHARES TR | MBS ETF | 464288588 | BBG001SSD8B1 | 536373 | 5783 | SH |  | SOLE |  | 0 | 0 | 5783 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 659714 | 5789 | SH |  | SOLE |  | 0 | 0 | 5789 |
| ISHARES TR | MSCI USA VALUE | 46432F388 | BBG004FPWGT7 | 794376 | 8716 | SH |  | SOLE |  | 0 | 0 | 8716 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 566537 | 5369 | SH |  | SOLE |  | 0 | 0 | 5369 |
| ISHARES TR | NEW YORK MUN ETF | 464288323 | BBG001T03XV5 | 220447 | 4207 | SH |  | SOLE |  | 0 | 0 | 4207 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 6607804 | 30843 | SH |  | SOLE |  | 0 | 0 | 30843 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 | BBG001SFC7Y7 | 234514 | 1345 | SH |  | SOLE |  | 0 | 0 | 1345 |
| ISHARES TR | SHORT TREAS BD | 464288679 | BBG001SSD803 | 8102423 | 73712 | SH |  | SOLE |  | 0 | 0 | 73712 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | BBG001SLS4Q3 | 1420366 | 13622 | SH |  | SOLE |  | 0 | 0 | 13622 |
| ISHARES TR | U.S. ENERGY ETF | 464287796 | BBG001SFGXW8 | 280149 | 6026 | SH |  | SOLE |  | 0 | 0 | 6026 |
| ISHARES TR | US AER DEF ETF | 464288760 | BBG001SC08P5 | 991303 | 8862 | SH |  | SOLE |  | 0 | 0 | 8862 |
| ISHARES TR | US TREAS BD ETF | 46429B267 | BBG002NCKPP8 | 391238 | 17220 | SH |  | SOLE |  | 0 | 0 | 17220 |
| ISHARES U S ETF TR | BLACKROCK ST MAT | 46431W507 | BBG0059KNK04 | 298724 | 6063 | SH |  | SOLE |  | 0 | 0 | 6063 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 2740526 | 15514 | SH |  | SOLE |  | 0 | 0 | 15514 |
| JPMORGAN CHASE  CO | COM | 46625H100 | BBG001S8CRC3 | 3131771 | 23354 | SH |  | SOLE |  | 0 | 0 | 23354 |
| KIMBERLY-CLARK CORP | COM | 494368103 | BBG001S5SLZ0 | 294985 | 2173 | SH |  | SOLE |  | 0 | 0 | 2173 |
| KINDER MORGAN INC DEL | COM | 49456B101 | BBG001TG2YZ5 | 445871 | 24661 | SH |  | SOLE |  | 0 | 0 | 24661 |
| KLA CORP | COM NEW | 482480100 | BBG001S5SLM4 | 266560 | 707 | SH |  | SOLE |  | 0 | 0 | 707 |
| LILLY ELI  CO | COM | 532457108 | BBG001S5STL8 | 467544 | 1278 | SH |  | SOLE |  | 0 | 0 | 1278 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 654156 | 1345 | SH |  | SOLE |  | 0 | 0 | 1345 |
| LOWES COS INC | COM | 548661107 | BBG001S5SVL3 | 237494 | 1192 | SH |  | SOLE |  | 0 | 0 | 1192 |
| LYONDELLBASELL INDUSTRIES N | SHS - A - | N53745100 | BBG001T8LMY9 | 254736 | 3068 | SH |  | SOLE |  | 0 | 0 | 3068 |
| MAGELLAN MIDSTREAM PRTNRS LP | COM UNIT RP LP | 559080106 | BBG001S731Q7 | 1249727 | 24890 | SH |  | SOLE |  | 0 | 0 | 24890 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 | BBG001SKNNS6 | 349816 | 1006 | SH |  | SOLE |  | 0 | 0 | 1006 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 537533 | 2040 | SH |  | SOLE |  | 0 | 0 | 2040 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 9270649 | 83557 | SH |  | SOLE |  | 0 | 0 | 83557 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 599654 | 4983 | SH |  | SOLE |  | 0 | 0 | 4983 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 4556100 | 18998 | SH |  | SOLE |  | 0 | 0 | 18998 |
| NETFLIX INC | COM | 64110L106 | BBG001SF6L46 | 496283 | 1683 | SH |  | SOLE |  | 0 | 0 | 1683 |
| NEWMONT CORP | COM | 651639106 | BBG001S5TKX3 | 816371 | 17296 | SH |  | SOLE |  | 0 | 0 | 17296 |
| NEXTERA ENERGY INC | COM | 65339F101 | BBG001S5RB29 | 710516 | 8499 | SH |  | SOLE |  | 0 | 0 | 8499 |
| NIKE INC | CL B | 654106103 | BBG001S6NTK2 | 397015 | 3393 | SH |  | SOLE |  | 0 | 0 | 3393 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 328230 | 2246 | SH |  | SOLE |  | 0 | 0 | 2246 |
| PALO ALTO NETWORKS INC | COM | 697435105 | BBG001T9NWN5 | 521182 | 3735 | SH |  | SOLE |  | 0 | 0 | 3735 |
| PAYCHEX INC | COM | 704326107 | BBG001S5V135 | 241405 | 2089 | SH |  | SOLE |  | 0 | 0 | 2089 |
| PAYPAL HLDGS INC | COM | 70450Y103 | BBG0077VNXW5 | 249270 | 3500 | SH |  | SOLE |  | 0 | 0 | 3500 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 702587 | 3889 | SH |  | SOLE |  | 0 | 0 | 3889 |
| PFIZER INC | COM | 717081103 | BBG001S5V466 | 3176111 | 61985 | SH |  | SOLE |  | 0 | 0 | 61985 |
| PGIM ETF TR | PGIM ULTRA SH BD | 69344A107 | BBG00KJQ1QS8 | 6093605 | 124106 | SH |  | SOLE |  | 0 | 0 | 124106 |
| PHILIP MORRIS INTL INC | COM | 718172109 | BBG001STP9N1 | 1463497 | 14460 | SH |  | SOLE |  | 0 | 0 | 14460 |
| PHILLIPS EDISON  CO INC | COMMON STOCK | 71844V201 | BBG011RJST56 | 347534 | 10915 | SH |  | SOLE |  | 0 | 0 | 10915 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 784020 | 5173 | SH |  | SOLE |  | 0 | 0 | 5173 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 | BBG001S5V3C1 | 208318 | 3400 | SH |  | SOLE |  | 0 | 0 | 3400 |
| QUALCOMM INC | COM | 747525103 | BBG001S6VS70 | 1269477 | 11547 | SH |  | SOLE |  | 0 | 0 | 11547 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | BBG001S5X5Q9 | 721174 | 7146 | SH |  | SOLE |  | 0 | 0 | 7146 |
| REALTY INCOME CORP | COM | 756109104 | BBG001S884K0 | 378423 | 5966 | SH |  | SOLE |  | 0 | 0 | 5966 |
| SALESFORCE INC | COM | 79466L302 | BBG001SDLP09 | 383981 | 2896 | SH |  | SOLE |  | 0 | 0 | 2896 |
| SCHWAB CHARLES CORP | COM | 808513105 | BBG001S5VXD4 | 551264 | 6621 | SH |  | SOLE |  | 0 | 0 | 6621 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | BBG001T5XQY3 | 8476190 | 263154 | SH |  | SOLE |  | 0 | 0 | 263154 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 | BBG001T9F7C1 | 18692237 | 379692 | SH |  | SOLE |  | 0 | 0 | 379692 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 | BBG001T9F795 | 32992831 | 683931 | SH |  | SOLE |  | 0 | 0 | 683931 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | BBG001WBMLH8 | 541683 | 11866 | SH |  | SOLE |  | 0 | 0 | 11866 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 5631583 | 74551 | SH |  | SOLE |  | 0 | 0 | 74551 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | BBG001T66WN0 | 16278636 | 292992 | SH |  | SOLE |  | 0 | 0 | 292992 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 | BBG001V039G2 | 2050739 | 106311 | SH |  | SOLE |  | 0 | 0 | 106311 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 | BBG001T9F777 | 479420 | 9257 | SH |  | SOLE |  | 0 | 0 | 9257 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 | BBG001S7T1S7 | 468314 | 5354 | SH |  | SOLE |  | 0 | 0 | 5354 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 | BBG001S7SCQ6 | 558208 | 4109 | SH |  | SOLE |  | 0 | 0 | 4109 |
| SOUTHERN CO | COM | 842587107 | BBG001S5W777 | 281355 | 3940 | SH |  | SOLE |  | 0 | 0 | 3940 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 264991 | 693 | SH |  | SOLE |  | 0 | 0 | 693 |
| SPDR SER TR | NUVEEN BLMBRG SH | 78468R739 | BBG001T083N5 | 206712 | 4400 | SH |  | SOLE |  | 0 | 0 | 4400 |
| SPDR SER TR | PORTFOLIO S | 78464A854 | BBG001SPTB87 | 3165333 | 70372 | SH |  | SOLE |  | 0 | 0 | 70372 |
| SPDR SER TR | S DIVID ETF | 78464A763 | BBG001SPTBP8 | 369950 | 2957 | SH |  | SOLE |  | 0 | 0 | 2957 |
| STARBUCKS CORP | COM | 855244109 | BBG001S72KH6 | 814542 | 8211 | SH |  | SOLE |  | 0 | 0 | 8211 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 | BBG001S5WWW4 | 405524 | 5444 | SH |  | SOLE |  | 0 | 0 | 5444 |
| TARGET CORP | COM | 87612E106 | BBG001SC0K41 | 333104 | 2235 | SH |  | SOLE |  | 0 | 0 | 2235 |
| TEXAS INSTRS INC | COM | 882508104 | BBG001S5WYZ7 | 320692 | 1941 | SH |  | SOLE |  | 0 | 0 | 1941 |
| TRUIST FINL CORP | COM | 89832Q109 | BBG001S5YYC0 | 693988 | 16128 | SH |  | SOLE |  | 0 | 0 | 16128 |
| UBER TECHNOLOGIES INC | COM | 90353T100 | BBG002B04MW4 | 266812 | 10789 | SH |  | SOLE |  | 0 | 0 | 10789 |
| UNILEVER PLC | SPON ADR NEW | 904767704 | BBG001S5X1K4 | 725191 | 14403 | SH |  | SOLE |  | 0 | 0 | 14403 |
| UNION PAC CORP | COM | 907818108 | BBG001S5X2M0 | 322615 | 1558 | SH |  | SOLE |  | 0 | 0 | 1558 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 | BBG001SDGSH1 | 311347 | 1791 | SH |  | SOLE |  | 0 | 0 | 1791 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 | BBG001S6WCJ1 | 1245393 | 2349 | SH |  | SOLE |  | 0 | 0 | 2349 |
| US BANCORP DEL | COM NEW | 902973304 | BBG001S6T8C1 | 462222 | 10599 | SH |  | SOLE |  | 0 | 0 | 10599 |
| VALLEY NATL BANCORP | COM | 919794107 | BBG001S7H654 | 960977 | 84967 | SH |  | SOLE |  | 0 | 0 | 84967 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | BBG001ST39Q2 | 17505762 | 232542 | SH |  | SOLE |  | 0 | 0 | 232542 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 4424715 | 21710 | SH |  | SOLE |  | 0 | 0 | 21710 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 281775 | 802 | SH |  | SOLE |  | 0 | 0 | 802 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 2046498 | 10704 | SH |  | SOLE |  | 0 | 0 | 10704 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 17678057 | 125939 | SH |  | SOLE |  | 0 | 0 | 125939 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 4738955 | 121574 | SH |  | SOLE |  | 0 | 0 | 121574 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 1651877 | 33378 | SH |  | SOLE |  | 0 | 0 | 33378 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 | BBG001T62M38 | 5710549 | 73675 | SH |  | SOLE |  | 0 | 0 | 73675 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 3954781 | 26044 | SH |  | SOLE |  | 0 | 0 | 26044 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 233143 | 5555 | SH |  | SOLE |  | 0 | 0 | 5555 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 | BBG004N1LYJ5 | 2225343 | 36493 | SH |  | SOLE |  | 0 | 0 | 36493 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 | BBG001T0Y6Y7 | 347550 | 2625 | SH |  | SOLE |  | 0 | 0 | 2625 |
| VANGUARD WORLD FDS | ENERGY ETF | 92204A306 | BBG001SHTV45 | 242560 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 1148352 | 29146 | SH |  | SOLE |  | 0 | 0 | 29146 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 510882 | 2459 | SH |  | SOLE |  | 0 | 0 | 2459 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 1724735 | 12164 | SH |  | SOLE |  | 0 | 0 | 12164 |
| WELLS FARGO CO NEW | COM | 949746101 | BBG001S5XF23 | 295058 | 7146 | SH |  | SOLE |  | 0 | 0 | 7146 |
| WISDOMTREE TR | JAPN HEDGE EQT | 97717W851 | BBG001SHL470 | 313478 | 4876 | SH |  | SOLE |  | 0 | 0 | 4876 |
| WP CAREY INC | COM | 92936U109 | BBG001S67MM3 | 1577692 | 20188 | SH |  | SOLE |  | 0 | 0 | 20188 |

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