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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   257,962 2,432 SH   SOLE   0 0 2,432
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   405,805 1,171 SH   SOLE   0 0 1,171
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   24,263 70 SH   OTR 1 0 0 70
ADVANCED MICRO DEVICES INC COM 007903107   238,427 1,321 SH   SOLE   0 0 1,321
ALLSTATE CORP COM 020002101   286,770 1,658 SH   SOLE   0 0 1,658
ALPHABET INC CAP STK CL C 02079K107   3,260,343 21,413 SH   SOLE   0 0 21,413
ALPHABET INC CAP STK CL A 02079K305   1,457,833 9,659 SH   SOLE   0 0 9,659
ALPHABET INC CAP STK CL A 02079K305   25,658 170 SH   OTR 1 0 0 170
AMAZON COM INC COM 023135106   1,636,768 9,074 SH   SOLE   0 0 9,074
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505   683,091 13,513 SH   SOLE   0 0 13,513
AMERICAN EXPRESS CO COM 025816109   1,137,639 4,996 SH   SOLE   0 0 4,996
AMERICAN EXPRESS CO COM 025816109   2,629,136 11,547 SH   OTR 2 0 0 11,547
AMGEN INC COM 031162100   2,081,527 7,321 SH   SOLE   0 0 7,321
AMGEN INC COM 031162100   1,964,083 6,908 SH   OTR 2 0 0 6,908
APA CORPORATION COM 03743Q108   263,596 7,667 SH   SOLE   0 0 7,667
APA CORPORATION COM 03743Q108   1,226,919 35,687 SH   OTR 2 0 0 35,687
APPLE INC COM 037833100   5,843,597 34,077 SH   SOLE   0 0 34,077
APPLE INC COM 037833100   18,863 110 SH   OTR 1 0 0 110
ARISTA NETWORKS INC COM 040413106   241,553 833 SH   SOLE   0 0 833
AT&T INC COM 00206R102   244,199 13,875 SH   SOLE   0 0 13,875
BANK AMERICA CORP COM 060505104   1,045,124 27,561 SH   SOLE   0 0 27,561
BANK AMERICA CORP COM 060505104   1,639,775 43,243 SH   OTR 2 0 0 43,243
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,985,482 7,100 SH   SOLE   0 0 7,100
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   559,712 1,331 SH   OTR 2 0 0 1,331
BLACKSTONE INC COM 09260D107   1,775,430 13,515 SH   SOLE   0 0 13,515
BOEING CO COM 097023105   673,551 3,490 SH   SOLE   0 0 3,490
CAPITAL GROUP CORE BALANCED SHS 14021D107   207,559 7,130 SH   SOLE   0 0 7,130
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   1,305,153 41,886 SH   SOLE   0 0 41,886
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   2,814,849 86,611 SH   SOLE   0 0 86,611
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   469,937 16,317 SH   SOLE   0 0 16,317
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   620,344 19,392 SH   SOLE   0 0 19,392
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   2,532,981 98,254 SH   SOLE   0 0 98,254
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   3,347,292 149,033 SH   SOLE   0 0 149,033
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201   331,107 12,259 SH   SOLE   0 0 12,259
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300   1,095,124 40,500 SH   SOLE   0 0 40,500
CAPITAL GRP FIXED INCM ETF T SHORT DURATION 14020Y409   2,430,328 95,701 SH   SOLE   0 0 95,701
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508   901,347 34,675 SH   SOLE   0 0 34,675
CENOVUS ENERGY INC COM 15135U109   132,300 6,618 SH   SOLE   0 0 6,618
CENOVUS ENERGY INC COM 15135U109   447,876 22,405 SH   OTR 2 0 0 22,405
CHEVRON CORP NEW COM 166764100   1,700,032 10,777 SH   SOLE   0 0 10,777
CISCO SYS INC COM 17275R102   1,745,071 34,964 SH   SOLE   0 0 34,964
COCA COLA CO COM 191216100   550,631 9,000 SH   SOLE   0 0 9,000
CONOCOPHILLIPS COM 20825C104   517,356 4,065 SH   SOLE   0 0 4,065
CONOCOPHILLIPS COM 20825C104   1,612,256 12,667 SH   OTR 2 0 0 12,667
COSTCO WHSL CORP NEW COM 22160K105   1,140,039 1,556 SH   SOLE   0 0 1,556
CREDIT ACCEP CORP MICH COM 225310101   163,259 296 SH   SOLE   0 0 296
CREDIT ACCEP CORP MICH COM 225310101   662,412 1,201 SH   OTR 2 0 0 1,201
D R HORTON INC COM 23331A109   662,251 4,025 SH   SOLE   0 0 4,025
D R HORTON INC COM 23331A109   2,700,430 16,411 SH   OTR 2 0 0 16,411
DEVON ENERGY CORP NEW COM 25179M103   312,653 6,231 SH   SOLE   0 0 6,231
DEVON ENERGY CORP NEW COM 25179M103   842,271 16,785 SH   OTR 2 0 0 16,785
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   2,032,254 67,249 SH   SOLE   0 0 67,249
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2,162,959 87,498 SH   SOLE   0 0 87,498
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,966,700 34,516 SH   SOLE   0 0 34,516
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   519,138 9,538 SH   SOLE   0 0 9,538
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757   992,993 38,956 SH   SOLE   0 0 38,956
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,818,408 49,480 SH   SOLE   0 0 49,480
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   529,235 17,583 SH   SOLE   0 0 17,583
DISNEY WALT CO COM 254687106   263,563 2,154 SH   SOLE   0 0 2,154
DOMINOS PIZZA INC COM 25754A201   321,109 646 SH   SOLE   0 0 646
EBAY INC. COM 278642103   389,939 7,388 SH   SOLE   0 0 7,388
EBAY INC. COM 278642103   1,127,011 21,353 SH   OTR 2 0 0 21,353
ELI LILLY & CO COM 532457108   387,321 498 SH   SOLE   0 0 498
EXXON MOBIL CORP COM 30231G102   938,180 8,071 SH   SOLE   0 0 8,071
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   271,860 1,744 SH   SOLE   0 0 1,744
FIFTH THIRD BANCORP COM 316773100   114,718 3,083 SH   SOLE   0 0 3,083
FIFTH THIRD BANCORP COM 316773100   483,321 12,989 SH   OTR 2 0 0 12,989
FORTINET INC COM 34959E109   226,106 3,310 SH   SOLE   0 0 3,310
FREEPORT-MCMORAN INC CL B 35671D857   260,623 5,543 SH   SOLE   0 0 5,543
HOME DEPOT INC COM 437076102   682,126 1,778 SH   SOLE   0 0 1,778
HOME DEPOT INC COM 437076102   1,185,708 3,091 SH   OTR 1,2 0 0 3,091
HONDA MOTOR LTD ADR ECH CNV IN 3 438128308   238,570 6,408 SH   SOLE   0 0 6,408
INTEL CORP COM 458140100   915,103 20,718 SH   SOLE   0 0 20,718
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   318,789 4,840 SH   SOLE   0 0 4,840
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   499,420 2,949 SH   SOLE   0 0 2,949
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498   1,383,179 22,931 SH   SOLE   0 0 22,931
INVESCO QQQ TR UNIT SER 1 46090E103   532,119 1,198 SH   SOLE   0 0 1,198
ISHARES TR CORE S&P500 ETF 464287200   449,378 855 SH   SOLE   0 0 855
ISHARES TR PFD AND INCM SEC 464288687   506,079 15,702 SH   SOLE   0 0 15,702
ISHARES TR EAFE VALUE ETF 464288877   549,998 10,110 SH   SOLE   0 0 10,110
ISHARES TR MSCI USA MIN VOL 46429B697   354,881 4,246 SH   SOLE   0 0 4,246
ISHARES TR 0-5 YR TIPS ETF 46429B747   529,862 5,329 SH   SOLE   0 0 5,329
ISHARES TR MSCI USA QLT FCT 46432F339   511,944 3,115 SH   SOLE   0 0 3,115
ISHARES TR MSCI USA MMENTM 46432F396   954,548 5,095 SH   SOLE   0 0 5,095
ISHARES TR MSCI INTL MOMENT 46434V449   376,702 9,602 SH   SOLE   0 0 9,602
ISHARES TR GENOMICS IMMUN 46435U192   236,290 8,427 SH   SOLE   0 0 8,427
ISHARES TR ROBOTICS ARTIF 46435U556   360,404 10,492 SH   SOLE   0 0 10,492
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   1,014,341 21,800 SH   SOLE   0 0 21,800
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   383,952 7,184 SH   SOLE   0 0 7,184
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   5,261,837 104,298 SH   SOLE   0 0 104,298
JOHNSON & JOHNSON COM 478160104   1,404,992 8,882 SH   SOLE   0 0 8,882
JOHNSON & JOHNSON COM 478160104   9,491 60 SH   OTR 1 0 0 60
JPMORGAN CHASE & CO COM 46625H100   2,535,892 12,660 SH   SOLE   0 0 12,660
JPMORGAN CHASE & CO COM 46625H100   1,864,392 9,308 SH   OTR 2 0 0 9,308
KEYSIGHT TECHNOLOGIES INC COM 49338L103   230,661 1,475 SH   SOLE   0 0 1,475
KIMBERLY-CLARK CORP COM 494368103   291,683 2,255 SH   SOLE   0 0 2,255
LENNAR CORP CL A 526057104   797,825 4,639 SH   SOLE   0 0 4,639
LENNAR CORP CL A 526057104   3,106,991 18,066 SH   OTR 2 0 0 18,066
M & T BK CORP COM 55261F104   106,081 729 SH   SOLE   0 0 729
M & T BK CORP COM 55261F104   419,304 2,883 SH   OTR 2 0 0 2,883
MACERICH CO COM 554382101   595,072 34,537 SH   SOLE   0 0 34,537
MACERICH CO COM 554382101   2,232,302 129,559 SH   OTR 2 0 0 129,559
MARKEL GROUP INC COM 570535104   415,805 273 SH   SOLE   0 0 273
MARVELL TECHNOLOGY INC COM 573874104   382,092 5,391 SH   SOLE   0 0 5,391
MASTERCARD INCORPORATED CL A 57636Q104   505,594 1,050 SH   SOLE   0 0 1,050
MASTERCARD INCORPORATED CL A 57636Q104   14,447 30 SH   OTR 1 0 0 30
MCDONALDS CORP COM 580135101   468,906 1,663 SH   SOLE   0 0 1,663
MCDONALDS CORP COM 580135101   2,820 10 SH   OTR 1 0 0 10
MCKESSON CORP COM 58155Q103   485,245 904 SH   SOLE   0 0 904
MERCK & CO INC COM 58933Y105   1,922,385 14,569 SH   SOLE   0 0 14,569
MERCK & CO INC COM 58933Y105   2,599,547 19,701 SH   OTR 2 0 0 19,701
MICROSOFT CORP COM 594918104   5,958,166 14,162 SH   SOLE   0 0 14,162
MICROSOFT CORP COM 594918104   29,450 70 SH   OTR 1 0 0 70
NEXGEN ENERGY LTD COM 65340P106   721 11,667 SH   SOLE   0 0 11,667
NIKE INC CL B 654106103   199,067 2,118 SH   SOLE   0 0 2,118
NIKE INC CL B 654106103   12,217 130 SH   OTR 1 0 0 130
NVIDIA CORPORATION COM 67066G104   2,092,573 2,316 SH   SOLE   0 0 2,316
NVR INC COM 62944T105   801,896 99 SH   SOLE   0 0 99
NVR INC COM 62944T105   1,935,890 239 SH   OTR 2 0 0 239
OCCIDENTAL PETE CORP COM 674599105   707,820 10,891 SH   SOLE   0 0 10,891
OCCIDENTAL PETE CORP COM 674599105   2,558,331 39,365 SH   OTR 2 0 0 39,365
ORACLE CORP COM 68389X105   597,676 4,758 SH   SOLE   0 0 4,758
OVINTIV INC COM 69047Q102   439,230 8,463 SH   SOLE   0 0 8,463
OVINTIV INC COM 69047Q102   1,802,279 34,726 SH   OTR 2 0 0 34,726
PACCAR INC COM 693718108   2,732,642 22,057 SH   SOLE   0 0 22,057
PACER FDS TR PACER US SMALL 69374H857   1,317,287 26,796 SH   SOLE   0 0 26,796
PACER FDS TR US CASH COWS 100 69374H881   3,004,580 51,705 SH   SOLE   0 0 51,705
PALANTIR TECHNOLOGIES INC CL A 69608A108   229,502 9,974 SH   SOLE   0 0 9,974
PATHWARD FINANCIAL INC COM 59100U108   1,665,720 3,430 SH   SOLE   0 0 3,430
PFIZER INC COM 717081103   238,957 8,611 SH   SOLE   0 0 8,611
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   568,077 5,650 SH   SOLE   0 0 5,650
PROCTER AND GAMBLE CO COM 742718109   267,096 1,646 SH   SOLE   0 0 1,646
PROCTER AND GAMBLE CO COM 742718109   11,358 70 SH   OTR 1 0 0 70
QUALCOMM INC COM 747525103   1,748,991 10,331 SH   SOLE   0 0 10,331
QUALCOMM INC COM 747525103   843,622 4,983 SH   OTR 2 0 0 4,983
SCHWAB CHARLES CORP COM 808513105   835,773 11,553 SH   SOLE   0 0 11,553
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   335,169 6,935 SH   SOLE   0 0 6,935
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   433,508 5,377 SH   SOLE   0 0 5,377
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   637,873 4,318 SH   SOLE   0 0 4,318
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   482,662 6,321 SH   SOLE   0 0 6,321
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   255,239 1,388 SH   SOLE   0 0 1,388
SELECT SECTOR SPDR TR ENERGY 81369Y506   486,004 5,148 SH   SOLE   0 0 5,148
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   434,996 10,328 SH   SOLE   0 0 10,328
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   523,605 2,514 SH   SOLE   0 0 2,514
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   412,489 6,283 SH   SOLE   0 0 6,283
SIMON PPTY GROUP INC NEW COM 828806109   646,101 4,129 SH   SOLE   0 0 4,129
SIMON PPTY GROUP INC NEW COM 828806109   2,452,981 15,675 SH   OTR 2 0 0 15,675
SPDR GOLD TR GOLD SHS 78463V107   708,294 3,443 SH   SOLE   0 0 3,443
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   302,672 8,445 SH   SOLE   0 0 8,445
SPDR S&P 500 ETF TR TR UNIT 78462F103   477,007 912 SH   SOLE   0 0 912
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,284,137 2,455 SH   OTR 2 0 0 2,455
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   583,139 4,286 SH   SOLE   0 0 4,286
TARGET CORP COM 87612E106   582,443 3,287 SH   SOLE   0 0 3,287
TARGET CORP COM 87612E106   1,410,592 7,960 SH   OTR 2 0 0 7,960
TESLA INC COM 88160R101   335,056 1,906 SH   SOLE   0 0 1,906
TOYOTA MOTOR CORP ADS 892331307   820,980 3,262 SH   SOLE   0 0 3,262
U HAUL HOLDING COMPANY COM 023586100   54,640 809 SH   SOLE   0 0 809
U HAUL HOLDING COMPANY COM 023586100   233,013 3,450 SH   OTR 2 0 0 3,450
UNITED PARCEL SERVICE INC CL B 911312106   267,851 1,802 SH   SOLE   0 0 1,802
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,216,249 28,906 SH   SOLE   0 0 28,906
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,754,227 51,690 SH   SOLE   0 0 51,690
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,421,364 49,225 SH   SOLE   0 0 49,225
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   510,731 1,062 SH   SOLE   0 0 1,062
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   407,252 2,612 SH   SOLE   0 0 2,612
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   527,914 6,104 SH   SOLE   0 0 6,104
VANGUARD INDEX FDS SM CP VAL ETF 922908611   488,353 2,545 SH   SOLE   0 0 2,545
VANGUARD INDEX FDS MID CAP ETF 922908629   561,860 2,249 SH   SOLE   0 0 2,249
VANGUARD INDEX FDS LARGE CAP ETF 922908637   1,134,387 4,731 SH   SOLE   0 0 4,731
VANGUARD INDEX FDS VALUE ETF 922908744   4,913,011 30,167 SH   SOLE   0 0 30,167
VANGUARD INDEX FDS SMALL CP ETF 922908751   448,941 1,964 SH   SOLE   0 0 1,964
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,811,348 10,817 SH   SOLE   0 0 10,817
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,587,377 22,145 SH   SOLE   0 0 22,145
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   257,429 6,163 SH   SOLE   0 0 6,163
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,643,920 34,327 SH   SOLE   0 0 34,327
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   258,963 1,418 SH   SOLE   0 0 1,418
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,559,965 51,026 SH   SOLE   0 0 51,026
VANGUARD WORLD FD INF TECH ETF 92204A702   344,950 658 SH   SOLE   0 0 658
VERIZON COMMUNICATIONS INC COM 92343V104   348,506 8,306 SH   SOLE   0 0 8,306
VISA INC COM CL A 92826C839   2,016,897 7,227 SH   SOLE   0 0 7,227
WALMART INC COM 931142103   320,352 5,324 SH   SOLE   0 0 5,324
WARNER BROS DISCOVERY INC COM SER A 934423104   91,892 10,526 SH   SOLE   0 0 10,526
WARNER BROS DISCOVERY INC COM SER A 934423104   132,216 15,145 SH   OTR 2 0 0 15,145
WEC ENERGY GROUP INC COM 92939U106   237,163 2,888 SH   SOLE   0 0 2,888
WESTERN ALLIANCE BANCORP COM 957638109   125,766 1,959 SH   SOLE   0 0 1,959
WESTERN ALLIANCE BANCORP COM 957638109   492,722 7,676 SH   OTR 2 0 0 7,676