# EDGAR Filing Document

**Accession Number:** 0001713697
**File Stem:** 0001713697-26-000003
**Filing Date:** 2026-5
**Character Count:** 27776
**Document Hash:** 98cb19123cee0c0142ce1bb96899b732
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001713697-26-000003.hdr.sgml**: 20260504

**ACCESSION NUMBER**: 0001713697-26-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260504

**DATE AS OF CHANGE**: 20260501

**EFFECTIVENESS DATE**: 20260504

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FLC Capital Advisors
- **CENTRAL INDEX KEY:** 0001713697

**ORGANIZATION NAME:**
- **EIN:** 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:** 26933989

**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:** 03-31-2026

**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  05-01-2026<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:** 221

**Form 13F Information Table Value Total:** $560179532

      (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 | 772496 | 5319 | SH |  | SOLE |  | 0 | 0 | 5319 |
| ABBOTT LABORATORIES | COM | 002824100 | BBG001S5N9M6 | 406881 | 3963 | SH |  | SOLE |  | 0 | 0 | 3963 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 1144432 | 5262 | SH |  | SOLE |  | 0 | 0 | 5262 |
| ABRDN PRECIOUS METALS BASKET | PHYSCL PRECS MET | 003263100 | BBG001T79CF8 | 2741218 | 12533 | SH |  | SOLE |  | 0 | 0 | 12533 |
| ADOBE INC | COM | 00724F101 | BBG001S5NCQ5 | 217800 | 896 | SH |  | SOLE |  | 0 | 0 | 896 |
| ADVANCED ENERGY INDS | COM | 007973100 | BBG001S8L5Z6 | 245582 | 761 | SH |  | SOLE |  | 0 | 0 | 761 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 | BBG001S5NN36 | 283378 | 1393 | SH |  | SOLE |  | 0 | 0 | 1393 |
| ALIBABA GROUP HLDG LTD | SPONSORED ADS | 01609W102 | BBG006G2JWB1 | 383406 | 3056 | SH |  | SOLE |  | 0 | 0 | 3056 |
| ALLSTATE CORP | COM | 020002101 | BBG001S9BM06 | 337135 | 1626 | SH |  | SOLE |  | 0 | 0 | 1626 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 8453114 | 29396 | SH |  | SOLE |  | 0 | 0 | 29396 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 2156700 | 7500 | SH | Put | SOLE |  | 0 | 0 | 7500 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 6318378 | 22026 | SH |  | SOLE |  | 0 | 0 | 22026 |
| ALTRIA GROUP INC | COM | 02209S103 | BBG001S5T8T5 | 860774 | 13044 | SH |  | SOLE |  | 0 | 0 | 13044 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 7000371 | 33612 | SH |  | SOLE |  | 0 | 0 | 33612 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 895561 | 4300 | SH | Put | SOLE |  | 0 | 0 | 4300 |
| AMBEV SA | SPONSORED ADR | 02319V103 | BBG005KLVT74 | 176558 | 60465 | SH |  | SOLE |  | 0 | 0 | 60465 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 | BBG001S5NFD2 | 252984 | 1930 | SH |  | SOLE |  | 0 | 0 | 1930 |
| AMERICAN EXPRESS CO | COM | 025816109 | BBG001S5P034 | 288868 | 955 | SH |  | SOLE |  | 0 | 0 | 955 |
| AMGEN INC | COM | 031162100 | BBG001S5NNL6 | 733959 | 2086 | SH |  | SOLE |  | 0 | 0 | 2086 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 20597294 | 81159 | SH |  | SOLE |  | 0 | 0 | 81159 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 1903425 | 7500 | SH | Put | SOLE |  | 0 | 0 | 7500 |
| ARES CAPITAL CORP | COM | 04010L103 | BBG001SL96Z9 | 1120754 | 62195 | SH |  | SOLE |  | 0 | 0 | 62195 |
| AT INC | COM | 00206R102 | BBG001S5VWH2 | 801110 | 27634 | SH |  | SOLE |  | 0 | 0 | 27634 |
| BANK AMERICA CORP | COM | 060505104 | BBG001S5P0Y0 | 2154169 | 44188 | SH |  | SOLE |  | 0 | 0 | 44188 |
| BARRICK MNG CORP | COM SHS | 06849F108 | BBG001S5N9P3 | 1018934 | 24980 | SH |  | SOLE |  | 0 | 0 | 24980 |
| BARRICK MNG CORP | COM SHS | 06849F108 | BBG001S5N9P3 | 652640 | 16000 | SH | Put | SOLE |  | 0 | 0 | 16000 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 | BBG001S902J2 | 718140 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 3261435 | 6806 | SH |  | SOLE |  | 0 | 0 | 6806 |
| BLACKROCK ETF TRUST II | ISHARES SHORT-TE | 092528884 | BBG01HFQDFN4 | 903302 | 17912 | SH |  | SOLE |  | 0 | 0 | 17912 |
| BLACKROCK INC | COM | 09290D101 | BBG01PSW2WR0 | 291398 | 303 | SH |  | SOLE |  | 0 | 0 | 303 |
| BLOCK INC | CL A | 852234103 | BBG001TFLWL5 | 478371 | 7949 | SH |  | SOLE |  | 0 | 0 | 7949 |
| BOEING CO | COM | 097023105 | BBG001S5P0V3 | 212365 | 1067 | SH |  | SOLE |  | 0 | 0 | 1067 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 | BBG001S8N8J6 | 286632 | 4726 | SH |  | SOLE |  | 0 | 0 | 4726 |
| BRITISH AMERN TOB PLC | SPONSORED ADR | 110448107 | BBG001S6VV46 | 246516 | 4216 | SH |  | SOLE |  | 0 | 0 | 4216 |
| BROADCOM INC | COM | 11135F101 | BBG00KHY5SY8 | 1033763 | 3340 | SH |  | SOLE |  | 0 | 0 | 3340 |
| CATERPILLAR INC | COM | 149123101 | BBG001S5PJ06 | 4100566 | 5788 | SH |  | SOLE |  | 0 | 0 | 5788 |
| CATERPILLAR INC | COM | 149123101 | BBG001S5PJ06 | 850152 | 1200 | SH | Put | SOLE |  | 0 | 0 | 1200 |
| CENCORA INC | COM | 03073E105 | BBG001S8X7P0 | 329219 | 1048 | SH |  | SOLE |  | 0 | 0 | 1048 |
| CHEVRON CORPORATION | COM | 166764100 | BBG001S67ZC5 | 9335328 | 45120 | SH |  | SOLE |  | 0 | 0 | 45120 |
| CHUBB LTD SWITZ | COM | H1467J104 | BBG001S8S1L3 | 753550 | 2312 | SH |  | SOLE |  | 0 | 0 | 2312 |
| CIENA CORP | COM NEW | 171779309 | BBG001S61J73 | 280302 | 722 | SH |  | SOLE |  | 0 | 0 | 722 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 1466529 | 18901 | SH |  | SOLE |  | 0 | 0 | 18901 |
| CITIGROUP INC | COM NEW | 172967424 | BBG001S72ZG4 | 545623 | 4811 | SH |  | SOLE |  | 0 | 0 | 4811 |
| CME GROUP INC | COM | 12572Q105 | BBG001S86547 | 1192919 | 4039 | SH |  | SOLE |  | 0 | 0 | 4039 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 360924 | 4746 | SH |  | SOLE |  | 0 | 0 | 4746 |
| CONOCOPHILLIPS | COM | 20825C104 | BBG001S5TZM2 | 207372 | 1571 | SH |  | SOLE |  | 0 | 0 | 1571 |
| CONSOLIDATED EDISON INC | COM | 209115104 | BBG001S5QRL4 | 226360 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| CONSTELLATION BRANDS INC | CL A | 21036P108 | BBG001SD31G5 | 665550 | 4437 | SH |  | SOLE |  | 0 | 0 | 4437 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 | BBG001S9KRQ7 | 2408076 | 2417 | SH |  | SOLE |  | 0 | 0 | 2417 |
| CUMMINS INC | COM | 231021106 | BBG001S5Q9M3 | 1571018 | 2920 | SH |  | SOLE |  | 0 | 0 | 2920 |
| DIMENSIONAL ETF TRUST | CALIF MUN BD ETF | 25434V633 | BBG01H4ZQZZ5 | 244764 | 4910 | SH |  | SOLE |  | 0 | 0 | 4910 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 | BBG01631TNW2 | 339205 | 9547 | SH |  | SOLE |  | 0 | 0 | 9547 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 | BBG011DXXVM0 | 2587149 | 36372 | SH |  | SOLE |  | 0 | 0 | 36372 |
| DISNEY WALT CO | COM | 254687106 | BBG001S5QHF3 | 551101 | 5718 | SH |  | SOLE |  | 0 | 0 | 5718 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 | BBG001S5QNR7 | 400022 | 3055 | SH |  | SOLE |  | 0 | 0 | 3055 |
| EDISON INTL | COM | 281020107 | BBG001S7MY75 | 539776 | 7376 | SH |  | SOLE |  | 0 | 0 | 7376 |
| ELI LILLY  CO | COM | 532457108 | BBG001S5STL8 | 1021864 | 1111 | SH |  | SOLE |  | 0 | 0 | 1111 |
| EMBRAER S.A. | SPONSORED ADS | 29082A107 | BBG001S63XQ9 | 205138 | 3457 | SH |  | SOLE |  | 0 | 0 | 3457 |
| EMCOR GROUP INC | COM | 29084Q100 | BBG001S5QVG1 | 413454 | 560 | SH |  | SOLE |  | 0 | 0 | 560 |
| ENBRIDGE INC | COM | 29250N105 | BBG001S6Q6D7 | 4893498 | 90386 | SH |  | SOLE |  | 0 | 0 | 90386 |
| ENERGY TRANSFER L P | COM UT LTD PTN | 29273V100 | BBG001SDHNW4 | 509867 | 26418 | SH |  | SOLE |  | 0 | 0 | 26418 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 | BBG001S9P0Z1 | 4217760 | 111463 | SH |  | SOLE |  | 0 | 0 | 111463 |
| EQUINIX INC | COM | 29444U700 | BBG001SKBNS9 | 743022 | 758 | SH |  | SOLE |  | 0 | 0 | 758 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 7049373 | 41550 | SH |  | SOLE |  | 0 | 0 | 41550 |
| FEDEX CORP | COM | 31428X106 | BBG001S5R3M5 | 854476 | 2399 | SH |  | SOLE |  | 0 | 0 | 2399 |
| FIDELITY COVINGTON TRUST | CONSMR STAPLES | 316092303 | BBG005FHW240 | 261702 | 5001 | SH |  | SOLE |  | 0 | 0 | 5001 |
| FIDELITY COVINGTON TRUST | MSCI UTILS INDEX | 316092865 | BBG005FHVXB5 | 480121 | 8128 | SH |  | SOLE |  | 0 | 0 | 8128 |
| FIRST FNDTN INC | COM | 32026V104 | BBG001V9VY13 | 852886 | 144557 | SH |  | SOLE |  | 0 | 0 | 144557 |
| FORTINET INC | COM | 34959E109 | BBG001S77BL6 | 842125 | 10305 | SH |  | SOLE |  | 0 | 0 | 10305 |
| FREEPORT MCMORAN INC | CL B | 35671D857 | BBG001S5R3F3 | 824977 | 14035 | SH |  | SOLE |  | 0 | 0 | 14035 |
| GE AEROSPACE | COM NEW | 369604301 | BBG001S5PVD5 | 354873 | 1251 | SH |  | SOLE |  | 0 | 0 | 1251 |
| GE VERNOVA INC | COM | 36828A101 | BBG013G17W77 | 343923 | 394 | SH |  | SOLE |  | 0 | 0 | 394 |
| GENERAL DYNAMICS CORP | COM | 369550108 | BBG001S5RHP1 | 530275 | 1545 | SH |  | SOLE |  | 0 | 0 | 1545 |
| GENERAL MILLS INC | COM | 370334104 | BBG001S5RKR2 | 288492 | 7751 | SH |  | SOLE |  | 0 | 0 | 7751 |
| GILEAD SCIENCES INC | COM | 375558103 | BBG001S6Y1X7 | 375742 | 2696 | SH |  | SOLE |  | 0 | 0 | 2696 |
| GLOBAL X FDS | US PFD ETF | 37954Y657 | BBG00HPF2LX6 | 366565 | 19922 | SH |  | SOLE |  | 0 | 0 | 19922 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 | BBG001SC07Z6 | 488136 | 577 | SH |  | SOLE |  | 0 | 0 | 577 |
| GSK PLC | SPONSORED ADR | 37733W204 | BBG001SD6SM6 | 465969 | 8443 | SH |  | SOLE |  | 0 | 0 | 8443 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 538435 | 1637 | SH |  | SOLE |  | 0 | 0 | 1637 |
| INTEL CORP | COM | 458140100 | BBG001S5SF65 | 570469 | 12927 | SH |  | SOLE |  | 0 | 0 | 12927 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 6752016 | 27856 | SH |  | SOLE |  | 0 | 0 | 27856 |
| INTUIT | COM | 461202103 | BBG001S6TWR2 | 292721 | 677 | SH |  | SOLE |  | 0 | 0 | 677 |
| INVESCO EXCHANGE TRADED FD T | S 100 EQL WIGH | 46137V449 | BBG001SS30F5 | 322672 | 2800 | SH |  | SOLE |  | 0 | 0 | 2800 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 556743 | 965 | SH |  | SOLE |  | 0 | 0 | 965 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 | BBG00H5VLN77 | 13713830 | 174343 | SH |  | SOLE |  | 0 | 0 | 174343 |
| ISHARES SILVER TR | ISHARES | 46428Q109 | BBG001SQLN69 | 1170781 | 17182 | SH |  | SOLE |  | 0 | 0 | 17182 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 | BBG001T03XM5 | 585885 | 10304 | SH |  | SOLE |  | 0 | 0 | 10304 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 214103 | 2365 | SH |  | SOLE |  | 0 | 0 | 2365 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 2640761 | 39105 | SH |  | SOLE |  | 0 | 0 | 39105 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 1278280 | 10283 | SH |  | SOLE |  | 0 | 0 | 10283 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 6168262 | 9443 | SH |  | SOLE |  | 0 | 0 | 9443 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 | BBG001SP62C7 | 297469 | 2671 | SH |  | SOLE |  | 0 | 0 | 2671 |
| ISHARES TR | EAFE VALUE ETF | 464288877 | BBG001SNYBH6 | 238812 | 3212 | SH |  | SOLE |  | 0 | 0 | 3212 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 | BBG00FFPFTS4 | 3389696 | 23969 | SH |  | SOLE |  | 0 | 0 | 23969 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 | BBG001S60KQ0 | 220734 | 2208 | SH |  | SOLE |  | 0 | 0 | 2208 |
| ISHARES TR | MSCI ACWI ETF | 464288257 | BBG001S56QV7 | 227480 | 1644 | SH |  | SOLE |  | 0 | 0 | 1644 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 659124 | 6786 | SH |  | SOLE |  | 0 | 0 | 6786 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 938718 | 4894 | SH |  | SOLE |  | 0 | 0 | 4894 |
| ISHARES TR | MSCI USA VALUE | 46432F388 | BBG004FPWGT7 | 568191 | 3996 | SH |  | SOLE |  | 0 | 0 | 3996 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 325668 | 3068 | SH |  | SOLE |  | 0 | 0 | 3068 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 10098005 | 23682 | SH |  | SOLE |  | 0 | 0 | 23682 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 | BBG001SFC7Y7 | 447640 | 1805 | SH |  | SOLE |  | 0 | 0 | 1805 |
| ISHARES TR | S 100 ETF | 464287101 | BBG001SGB026 | 297714 | 936 | SH |  | SOLE |  | 0 | 0 | 936 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | BBG001SLS4Q3 | 2165571 | 20334 | SH |  | SOLE |  | 0 | 0 | 20334 |
| ISHARES TR | U.S. BAS MTL ETF | 464287838 | BBG001SFGY10 | 216909 | 1233 | SH |  | SOLE |  | 0 | 0 | 1233 |
| ISHARES TR | US AER DEF ETF | 464288760 | BBG001SC08P5 | 1662938 | 7602 | SH |  | SOLE |  | 0 | 0 | 7602 |
| ISHARES TR | US REGNL BKS ETF | 464288778 | BBG001SQZTM3 | 208684 | 3876 | SH |  | SOLE |  | 0 | 0 | 3876 |
| ISHARES TR | US SML CAP EQT | 46434V290 | BBG008LP6CK8 | 7777961 | 103033 | SH |  | SOLE |  | 0 | 0 | 103033 |
| JOBY AVIATION INC | COMMON STOCK | G65163100 | BBG00X2MYTD1 | 170197 | 20605 | SH |  | SOLE |  | 0 | 0 | 20605 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 3362761 | 13757 | SH |  | SOLE |  | 0 | 0 | 13757 |
| JOHNSON CONTROLS INTERNATION | SHS | G51502105 | BBG001S5WZ84 | 272638 | 2082 | SH |  | SOLE |  | 0 | 0 | 2082 |
| JPMORGAN CHASE  CO | COM | 46625H100 | BBG001S8CRC3 | 4744552 | 16129 | SH |  | SOLE |  | 0 | 0 | 16129 |
| KINDER MORGAN INC DEL | COM | 49456B101 | BBG001TG2YZ5 | 704096 | 20999 | SH |  | SOLE |  | 0 | 0 | 20999 |
| KLA CORP | COM NEW | 482480100 | BBG001S5SLM4 | 952649 | 647 | SH |  | SOLE |  | 0 | 0 | 647 |
| KRAFT HEINZ CO | COM | 500754106 | BBG005CPNTR1 | 240058 | 10674 | SH |  | SOLE |  | 0 | 0 | 10674 |
| LAM RESEARCH CORP | COM NEW | 512807306 | BBG001S5SW40 | 467702 | 2189 | SH |  | SOLE |  | 0 | 0 | 2189 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 286266 | 474 | SH |  | SOLE |  | 0 | 0 | 474 |
| LOWES COS INC | COM | 548661107 | BBG001S5SVL3 | 344969 | 1460 | SH |  | SOLE |  | 0 | 0 | 1460 |
| MARVELL TECHNOLOGY INC | COM | 573874104 | BBG00ZXBJ162 | 208005 | 2100 | SH |  | SOLE |  | 0 | 0 | 2100 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 | BBG001SKNNS6 | 894891 | 1791 | SH |  | SOLE |  | 0 | 0 | 1791 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 476050 | 1532 | SH |  | SOLE |  | 0 | 0 | 1532 |
| MCKESSON CORP | COM | 58155Q103 | BBG001S8F8P8 | 302876 | 350 | SH |  | SOLE |  | 0 | 0 | 350 |
| MEDTRONIC PLC | SHS | G5960L103 | BBG001S5T2S9 | 289758 | 3344 | SH |  | SOLE |  | 0 | 0 | 3344 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 10513587 | 87402 | SH |  | SOLE |  | 0 | 0 | 87402 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 4389442 | 7672 | SH |  | SOLE |  | 0 | 0 | 7672 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 7741073 | 20912 | SH |  | SOLE |  | 0 | 0 | 20912 |
| MORGAN STANLEY | COM NEW | 617446448 | BBG001S9V5Z3 | 315645 | 1918 | SH |  | SOLE |  | 0 | 0 | 1918 |
| NETFLIX INC. | COM | 64110L106 | BBG001SF6L46 | 1472537 | 15315 | SH |  | SOLE |  | 0 | 0 | 15315 |
| NEWMONT CORP | COM | 651639106 | BBG001S5TKX3 | 259475 | 2397 | SH |  | SOLE |  | 0 | 0 | 2397 |
| NEXTERA ENERGY INC | COM | 65339F101 | BBG001S5RB29 | 2191689 | 23597 | SH |  | SOLE |  | 0 | 0 | 23597 |
| NGL ENERGY PARTNERS LP | COM UNIT REPST | 62913M107 | BBG001V0FSC1 | 281124 | 22800 | SH |  | SOLE |  | 0 | 0 | 22800 |
| NORFOLK SOUTHN CORP | COM | 655844108 | BBG001S5TQJ6 | 251125 | 875 | SH |  | SOLE |  | 0 | 0 | 875 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 | BBG001SF5LW6 | 468332 | 3066 | SH |  | SOLE |  | 0 | 0 | 3066 |
| NOVO-NORDISK A S | ADR | 670100205 | BBG001S5TSK0 | 390432 | 10624 | SH |  | SOLE |  | 0 | 0 | 10624 |
| NUVEEN AMT FREE QLTY MUN INC | COM | 670657105 | BBG001SKQWJ3 | 723729 | 64446 | SH |  | SOLE |  | 0 | 0 | 64446 |
| NUVEEN CALIF AMT FREE MUNI I | COM | 670651108 | BBG001S94NN7 | 212415 | 17850 | SH |  | SOLE |  | 0 | 0 | 17850 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 5750326 | 32972 | SH |  | SOLE |  | 0 | 0 | 32972 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 784800 | 4500 | SH | Put | SOLE |  | 0 | 0 | 4500 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 356595 | 2424 | SH |  | SOLE |  | 0 | 0 | 2424 |
| PALO ALTO NETWORKS INC | COM | 697435105 | BBG001T9NWN5 | 1453461 | 9066 | SH |  | SOLE |  | 0 | 0 | 9066 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 505469 | 3255 | SH |  | SOLE |  | 0 | 0 | 3255 |
| PFIZER INC | COM | 717081103 | BBG001S5V466 | 1933364 | 68852 | SH |  | SOLE |  | 0 | 0 | 68852 |
| PHILIP MORRIS INTL INC | COM | 718172109 | BBG001STP9N1 | 2279212 | 13785 | SH |  | SOLE |  | 0 | 0 | 13785 |
| PROCTER  GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 614737 | 4256 | SH |  | SOLE |  | 0 | 0 | 4256 |
| PUBLIC SVC ENTERPRISE GROUP | COM | 744573106 | BBG001S5V3C1 | 275230 | 3400 | SH |  | SOLE |  | 0 | 0 | 3400 |
| QUALCOMM INC | COM | 747525103 | BBG001S6VS70 | 1213006 | 9419 | SH |  | SOLE |  | 0 | 0 | 9419 |
| REALTY INCOME CORP | COM | 756109104 | BBG001S884K0 | 779678 | 12744 | SH |  | SOLE |  | 0 | 0 | 12744 |
| RTX CORPORATION | COM | 75513E101 | BBG001S5X5Q9 | 1336990 | 6931 | SH |  | SOLE |  | 0 | 0 | 6931 |
| SALESFORCE INC | COM | 79466L302 | BBG001SDLP09 | 717373 | 3843 | SH |  | SOLE |  | 0 | 0 | 3843 |
| SANOFI SA | SPONSORED ADR | 80105N105 | BBG001S5W768 | 267062 | 5543 | SH |  | SOLE |  | 0 | 0 | 5543 |
| SCHWAB CHARLES CORP | COM | 808513105 | BBG001S5VXD4 | 1486858 | 15821 | SH |  | SOLE |  | 0 | 0 | 15821 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | BBG001T5XQY3 | 22007340 | 889185 | SH |  | SOLE |  | 0 | 0 | 889185 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 | BBG001T9F7C1 | 40476638 | 1624915 | SH |  | SOLE |  | 0 | 0 | 1624915 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 | BBG001T9F795 | 41715864 | 1718824 | SH |  | SOLE |  | 0 | 0 | 1718824 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | BBG001WBMLH8 | 254770 | 10972 | SH |  | SOLE |  | 0 | 0 | 10972 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 5224773 | 170299 | SH |  | SOLE |  | 0 | 0 | 170299 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | BBG001T66WN0 | 33387205 | 1146145 | SH |  | SOLE |  | 0 | 0 | 1146145 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 | BBG001T66WQ7 | 421907 | 13833 | SH |  | SOLE |  | 0 | 0 | 13833 |
| SELECT SECTOR SPDR TR | STATE STREET ENE | 81369Y506 | BBG001S7T1S7 | 488855 | 7980 | SH |  | SOLE |  | 0 | 0 | 7980 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 | BBG001S7SCQ6 | 622066 | 4243 | SH |  | SOLE |  | 0 | 0 | 4243 |
| SELECT SECTOR SPDR TR | STATE STREET REA | 81369Y860 | BBG00B597137 | 4949943 | 121233 | SH |  | SOLE |  | 0 | 0 | 121233 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 | BBG001S7TCZ5 | 694004 | 5222 | SH |  | SOLE |  | 0 | 0 | 5222 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 | BBG001S7TD56 | 409706 | 8928 | SH |  | SOLE |  | 0 | 0 | 8928 |
| SERVICENOW INC | COM | 81762P102 | BBG001T4JFC0 | 224260 | 2145 | SH |  | SOLE |  | 0 | 0 | 2145 |
| SHELL PLC | SPON ADS | 780259305 | BBG0147BN6H1 | 494388 | 5316 | SH |  | SOLE |  | 0 | 0 | 5316 |
| SLB LIMITED | COM STK | 806857108 | BBG001S5W4C8 | 208130 | 4050 | SH |  | SOLE |  | 0 | 0 | 4050 |
| SOUTHERN CO | COM | 842587107 | BBG001S5W777 | 341681 | 3540 | SH |  | SOLE |  | 0 | 0 | 3540 |
| SPDR SERIES TRUST | BLOOMBERG INTL T | 78464A516 | BBG001T05M47 | 9464423 | 431181 | SH |  | SOLE |  | 0 | 0 | 431181 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R788 | BBG00B6WD879 | 647841 | 14232 | SH |  | SOLE |  | 0 | 0 | 14232 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 | BBG001SPTB87 | 470798 | 6151 | SH |  | SOLE |  | 0 | 0 | 6151 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A631 | BBG0024LG8W4 | 8656106 | 34082 | SH |  | SOLE |  | 0 | 0 | 34082 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R606 | BBG0034VNBZ2 | 293250 | 12575 | SH |  | SOLE |  | 0 | 0 | 12575 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A664 | BBG001STKCY7 | 16744105 | 636658 | SH |  | SOLE |  | 0 | 0 | 636658 |
| STARBUCKS CORP | COM | 855244109 | BBG001S72KH6 | 860164 | 9601 | SH |  | SOLE |  | 0 | 0 | 9601 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 | BBG001S72SM3 | 667249 | 1026 | SH |  | SOLE |  | 0 | 0 | 1026 |
| TAIWAN SEMICONDUCTOR MANUFAC | SPONSORED ADS | 874039100 | BBG001S5WWW4 | 2653583 | 7852 | SH |  | SOLE |  | 0 | 0 | 7852 |
| TAIWAN SEMICONDUCTOR MANUFAC | SPONSORED ADS | 874039100 | BBG001S5WWW4 | 1588365 | 4700 | SH | Put | SOLE |  | 0 | 0 | 4700 |
| TAPESTRY INC | COM | 876030107 | BBG001SFH7D5 | 215052 | 1524 | SH |  | SOLE |  | 0 | 0 | 1524 |
| TARGET CORP | COM | 87612E106 | BBG001SC0K41 | 1162793 | 9594 | SH |  | SOLE |  | 0 | 0 | 9594 |
| TESLA INC | COM | 88160R101 | BBG001SQKGD7 | 1140529 | 3068 | SH |  | SOLE |  | 0 | 0 | 3068 |
| TEXAS INSTRS INC | COM | 882508104 | BBG001S5WYZ7 | 338386 | 1743 | SH |  | SOLE |  | 0 | 0 | 1743 |
| TJX COS INC NEW | COM | 872540109 | BBG001S5WQ93 | 210006 | 1315 | SH |  | SOLE |  | 0 | 0 | 1315 |
| TRUIST FINL CORP | COM | 89832Q109 | BBG001S5YYC0 | 728579 | 15849 | SH |  | SOLE |  | 0 | 0 | 15849 |
| UBER TECHNOLOGIES INC | COM | 90353T100 | BBG002B04MW4 | 988894 | 13748 | SH |  | SOLE |  | 0 | 0 | 13748 |
| UBS GROUP AG | SHS | H42097107 | BBG007936GX0 | 213635 | 5468 | SH |  | SOLE |  | 0 | 0 | 5468 |
| UNILEVER PLC | SPON ADR NEW | 904767803 | BBG001S5X1K4 | 600920 | 10548 | SH |  | SOLE |  | 0 | 0 | 10548 |
| UNION PAC CORP | COM | 907818108 | BBG001S5X2M0 | 377031 | 1554 | SH |  | SOLE |  | 0 | 0 | 1554 |
| UNITED PARCEL SVCS INC | CL B | 911312106 | BBG001SDGSH1 | 1846494 | 18769 | SH |  | SOLE |  | 0 | 0 | 18769 |
| VALLEY NATL BANCORP | COM | 919794107 | BBG001S7H654 | 281998 | 22964 | SH |  | SOLE |  | 0 | 0 | 22964 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 | BBG001SZDBR1 | 1308102 | 26089 | SH |  | SOLE |  | 0 | 0 | 26089 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | BBG001ST39Q2 | 3977269 | 50724 | SH |  | SOLE |  | 0 | 0 | 50724 |
| VANGUARD CALIF TAX FREE FDS | TAX EXEMPT BD FD | 922021605 | BBG01L82WF19 | 2577566 | 26015 | SH |  | SOLE |  | 0 | 0 | 26015 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 719393 | 1647 | SH |  | SOLE |  | 0 | 0 | 1647 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 2306151 | 8030 | SH |  | SOLE |  | 0 | 0 | 8030 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 769682 | 1288 | SH |  | SOLE |  | 0 | 0 | 1288 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 267420 | 1021 | SH |  | SOLE |  | 0 | 0 | 1021 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 2246632 | 7003 | SH |  | SOLE |  | 0 | 0 | 7003 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 41692928 | 212502 | SH |  | SOLE |  | 0 | 0 | 212502 |
| VANGUARD INSTL INDEX FD | 0-3 MO TREAS BIL | 922040845 | BBG01S6YYQV7 | 3834699 | 50690 | SH |  | SOLE |  | 0 | 0 | 50690 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 | BBG001T2YZG9 | 212183 | 1534 | SH |  | SOLE |  | 0 | 0 | 1534 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 752491 | 15083 | SH |  | SOLE |  | 0 | 0 | 15083 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 | BBG001T62M38 | 13633420 | 164754 | SH |  | SOLE |  | 0 | 0 | 164754 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 | BBG001T62MF5 | 13385163 | 285094 | SH |  | SOLE |  | 0 | 0 | 285094 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | BBG001T62KZ7 | 385252 | 4860 | SH |  | SOLE |  | 0 | 0 | 4860 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 4136249 | 19233 | SH |  | SOLE |  | 0 | 0 | 19233 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 1159912 | 18101 | SH |  | SOLE |  | 0 | 0 | 18101 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 | BBG004N1LYJ5 | 628299 | 9565 | SH |  | SOLE |  | 0 | 0 | 9565 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 765233 | 5167 | SH |  | SOLE |  | 0 | 0 | 5167 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 | BBG00C868SD7 | 1739670 | 18460 | SH |  | SOLE |  | 0 | 0 | 18460 |
| VANGUARD WORLD FD | ENERGY ETF | 92204A306 | BBG001SHTV45 | 346080 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 | BBG001T0Y6Y7 | 585912 | 2479 | SH |  | SOLE |  | 0 | 0 | 2479 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 967254 | 19268 | SH |  | SOLE |  | 0 | 0 | 19268 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 925157 | 3061 | SH |  | SOLE |  | 0 | 0 | 3061 |
| VISTRA CORP | COM | 92840M102 | BBG00DXDL6R0 | 216325 | 1439 | SH |  | SOLE |  | 0 | 0 | 1439 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 4125478 | 33195 | SH |  | SOLE |  | 0 | 0 | 33195 |
| WASTE MGMT INC DEL | COM | 94106L109 | BBG001S5XH47 | 306080 | 1332 | SH |  | SOLE |  | 0 | 0 | 1332 |
| WELLS FARGO  CO | COM | 949746101 | BBG001S5XF23 | 463887 | 5827 | SH |  | SOLE |  | 0 | 0 | 5827 |
| WELLTOWER INC | COM | 95040Q104 | BBG001S5RTQ4 | 240218 | 1215 | SH |  | SOLE |  | 0 | 0 | 1215 |
| WISDOMTREE TR | INDIA ERNGS FD | 97717W422 | BBG001T21LV9 | 223176 | 5470 | SH |  | SOLE |  | 0 | 0 | 5470 |
| WISDOMTREE TR | JAPN HEDGE EQT | 97717W851 | BBG001SHL470 | 773553 | 4878 | SH |  | SOLE |  | 0 | 0 | 4878 |
| WP CAREY INC | COM | 92936U109 | BBG001S67MM3 | 518875 | 7635 | SH |  | SOLE |  | 0 | 0 | 7635 |

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