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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
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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
AMAZON COM INC COM 023135106   948,951 7,465 SH   SOLE   0 0 7,465
CISCO SYS INC COM 17275R102   297,037 5,525 SH   SOLE   0 0 5,525
COSTCO WHSL CORP NEW COM 22160K105   243,409 431 SH   SOLE   0 0 431
ISHARES TR EAFE SML CP ETF 464288273   2,356,446 41,729 SH   SOLE   0 0 41,729
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,513,243 49,817 SH   SOLE   0 0 49,817
NVIDIA CORPORATION COM 67066G104   1,545,737 3,554 SH   SOLE   0 0 3,554
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,063,403 10,913 SH   SOLE   0 0 10,913
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,126,606 14,720 SH   SOLE   0 0 14,720
GLOBE LIFE INC COM 37959E102   231,873 2,133 SH   SOLE   0 0 2,133
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   203,479 1,264 SH   SOLE   0 0 1,264
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   812,210 11,804 SH   SOLE   0 0 11,804
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307   2,860,424 96,343 SH   SOLE   0 0 96,343
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,710,439 18,923 SH   SOLE   0 0 18,923
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   766,320 23,103 SH   SOLE   0 0 23,103
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,289,180 10,014 SH   SOLE   0 0 10,014
HEALTHEQUITY INC COM 42226A107   324,999 4,449 SH   SOLE   0 0 4,449
INVESCO DB MULTI-SECTOR COMM OIL FD 46140H403   3,031,458 171,754 SH   SOLE   0 0 171,754
SPDR GOLD TR GOLD SHS 78463V107   3,718,236 21,687 SH   SOLE   0 0 21,687
SPDR SER TR PORTFOLIO LN TSR 78464A664   495,307 18,941 SH   SOLE   0 0 18,941
SPDR SER TR PORTFLI INTRMDIT 78464A672   2,604,283 94,598 SH   SOLE   0 0 94,598
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,293,727 20,092 SH   SOLE   0 0 20,092
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,159,299 19,672 SH   SOLE   0 0 19,672
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   566,869 5,389 SH   SOLE   0 0 5,389
INVESCO QQQ TR UNIT SER 1 46090E103   384,424 1,073 SH   SOLE   0 0 1,073
ISHARES TR CORE S&P SCP ETF 464287804   700,306 7,424 SH   SOLE   0 0 7,424
META PLATFORMS INC CL A 30303M102   1,083,758 3,610 SH   SOLE   0 0 3,610
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   356,561 2,295 SH   SOLE   0 0 2,295
SELECT SECTOR SPDR TR INDL 81369Y704   224,861 2,218 SH   SOLE   0 0 2,218
ISHARES GOLD TR ISHARES NEW 464285204   728,632 20,824 SH   SOLE   0 0 20,824
SPDR SER TR PORTFOLIO S&P500 78464A854   1,185,937 23,596 SH   SOLE   0 0 23,596
SPDR SER TR PORTFOLIO S&P600 78468R853   494,045 13,389 SH   SOLE   0 0 13,389
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   560,970 4,284 SH   SOLE   0 0 4,284
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   4,724,398 94,149 SH   SOLE   0 0 94,149
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,808,205 37,368 SH   SOLE   0 0 37,368
ISHARES TR AGENCY BOND ETF 464288166   557,888 5,273 SH   SOLE   0 0 5,273
ISHARES TR IBOXX HI YD ETF 464288513   789,689 10,712 SH   SOLE   0 0 10,712
SPDR SER TR PORTFOLIO AGRGTE 78464A649   426,266 17,513 SH   SOLE   0 0 17,513
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   851,442 27,457 SH   SOLE   0 0 27,457
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   233,731 6,963 SH   SOLE   0 0 6,963
SPDR SER TR PORTFOLIO S&P400 78464A847   443,696 10,132 SH   SOLE   0 0 10,132
SPDR SER TR PRTFLO S&P500 VL 78464A508   289,975 7,028 SH   SOLE   0 0 7,028
SPDR SER TR PORTFOLIO SHORT 78464A474   431,898 14,731 SH   SOLE   0 0 14,731
ALPHABET INC CAP STK CL A 02079K305   1,222,232 9,340 SH   SOLE   0 0 9,340
APPLE INC COM 037833100   3,249,864 18,982 SH   SOLE   0 0 18,982
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   832,138 2,376 SH   SOLE   0 0 2,376
MICROSOFT CORP COM 594918104   815,778 2,584 SH   SOLE   0 0 2,584
QUALCOMM INC COM 747525103   362,318 3,262 SH   SOLE   0 0 3,262
TESLA INC COM 88160R101   264,733 1,058 SH   SOLE   0 0 1,058
VANGUARD INDEX FDS MID CAP ETF 922908629   2,454,918 11,789 SH   SOLE   0 0 11,789
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   851,374 2,168 SH   SOLE   0 0 2,168
VANGUARD INDEX FDS SM CP VAL ETF 922908611   504,011 3,160 SH   SOLE   0 0 3,160
VANGUARD INDEX FDS VALUE ETF 922908744   3,024,723 21,929 SH   SOLE   0 0 21,929
WALMART INC COM 931142103   81,944,872 512,380 SH   SOLE   0 0 512,380
AKAMAI TECHNOLOGIES INC COM 00971T101   417,317 3,917 SH   SOLE   0 0 3,917
EXXON MOBIL CORP COM 30231G102   612,945 5,213 SH   SOLE   0 0 5,213
GENERAL DYNAMICS CORP COM 369550108   355,320 1,608 SH   SOLE   0 0 1,608
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,235,068 12,337 SH   SOLE   0 0 12,337
ISHARES TR CORE US AGGBD ET 464287226   1,610,424 17,125 SH   SOLE   0 0 17,125
ISHARES TR EAFE VALUE ETF 464288877   2,350,059 48,029 SH   SOLE   0 0 48,029
LOWES COS INC COM 548661107   265,983 1,280 SH   SOLE   0 0 1,280
SPDR SER TR BLOOMBERG SHT TE 78468R408   298,143 12,189 SH   SOLE   0 0 12,189
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,577,739 81,833 SH   SOLE   0 0 81,833
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,053,509 52,372 SH   SOLE   0 0 52,372
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   218,691 930 SH   SOLE   0 0 930
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   708,859 9,369 SH   SOLE   0 0 9,369
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,045,765 13,912 SH   SOLE   0 0 13,912
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,047,058 43,667 SH   SOLE   0 0 43,667
ADOBE INC COM 00724F101   263,746 517 SH   SOLE   0 0 517
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   376,721 7,177 SH   SOLE   0 0 7,177
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   278,463 10,665 SH   SOLE   0 0 10,665
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115   289,188 6,607 SH   SOLE   0 0 6,607
ISHARES TR GLOBAL TECH ETF 464287291   873,558 15,103 SH   SOLE   0 0 15,103
MARATHON PETE CORP COM 56585A102   227,918 1,506 SH   SOLE   0 0 1,506
MURPHY USA INC COM 626755102   226,909 664 SH   SOLE   0 0 664
PAYPAL HLDGS INC COM 70450Y103   266,227 4,554 SH   SOLE   0 0 4,554
SELECTIVE INS GROUP INC COM 816300107   341,868 3,314 SH   SOLE   0 0 3,314
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   462,231 1,380 SH   SOLE   0 0 1,380
VALERO ENERGY CORP COM 91913Y100   258,899 1,827 SH   SOLE   0 0 1,827
ISHARES TR 7-10 YR TRSY BD 464287440   1,466,608 16,013 SH   SOLE   0 0 16,013
ISHARES TR RUS MID CAP ETF 464287499   329,561 4,759 SH   SOLE   0 0 4,759
INDEXIQ ACTIVE ETF TR IQ MACKAY INTRME 45409F827   1,919,057 81,662 SH   SOLE   0 0 81,662
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   473,967 9,659 SH   SOLE   0 0 9,659
BRISTOL-MYERS SQUIBB CO COM 110122108   256,421 4,418 SH   SOLE   0 0 4,418
INTERNATIONAL BUSINESS MACHS COM 459200101   222,298 1,584 SH   SOLE   0 0 1,584
THE CIGNA GROUP COM 125523100   402,503 1,407 SH   SOLE   0 0 1,407
ABBVIE INC COM 00287Y109   250,272 1,679 SH   SOLE   0 0 1,679
CONOCOPHILLIPS COM 20825C104   341,550 2,851 SH   SOLE   0 0 2,851
UNITEDHEALTH GROUP INC COM 91324P102   386,714 767 SH   SOLE   0 0 767
SCHWAB CHARLES CORP COM 808513105   263,959 4,808 SH   SOLE   0 0 4,808
ISHARES TR SHRT NAT MUN ETF 464288158   850,344 8,267 SH   SOLE   0 0 8,267
JPMORGAN CHASE & CO COM 46625H100   747,868 5,157 SH   SOLE   0 0 5,157
NORTHROP GRUMMAN CORP COM 666807102   571,807 1,299 SH   SOLE   0 0 1,299
ORACLE CORP COM 68389X105   314,371 2,968 SH   SOLE   0 0 2,968
SPDR SER TR S&P DIVID ETF 78464A763   253,022 2,200 SH   SOLE   0 0 2,200
TJX COS INC NEW COM 872540109   235,088 2,645 SH   SOLE   0 0 2,645
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   233,923 3,177 SH   SOLE   0 0 3,177
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   215,777 2,350 SH   SOLE   0 0 2,350
ISHARES TR MSCI EAFE ETF 464287465   1,422,716 20,643 SH   SOLE   0 0 20,643
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   235,973 7,234 SH   SOLE   0 0 7,234
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   581,164 17,083 SH   SOLE   0 0 17,083
ISHARES TR DOW JONES US ETF 464287846   540,788 5,176 SH   SOLE   0 0 5,176
AMGEN INC COM 031162100   208,558 776 SH   SOLE   0 0 776
VANGUARD WORLD FDS INF TECH ETF 92204A702   358,118 863 SH   SOLE   0 0 863
ISHARES TR CORE S&P500 ETF 464287200   1,579,323 3,678 SH   SOLE   0 0 3,678
ISHARES TR RUSSELL 2000 ETF 464287655   731,527 4,139 SH   SOLE   0 0 4,139
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,169,725 2,736 SH   SOLE   0 0 2,736
TARGET CORP COM 87612E106   369,525 3,342 SH   SOLE   0 0 3,342
ISHARES TR NATIONAL MUN ETF 464288414   1,051,035 10,250 SH   SOLE   0 0 10,250
ISHARES TR BROAD USD HIGH 46435U853   565,565 16,294 SH   SOLE   0 0 16,294
ISHARES TR MBS ETF 464288588   699,744 7,880 SH   SOLE   0 0 7,880
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   343,430 4,520 SH   SOLE   0 0 4,520
ISHARES TR 1 3 YR TREAS BD 464287457   1,001,599 12,370 SH   SOLE   0 0 12,370
KLA CORP COM NEW 482480100   301,798 658 SH   SOLE   0 0 658
SPDR SER TR S&P 600 SMCP VAL 78464A300   235,203 3,250 SH   SOLE   0 0 3,250
AMN HEALTHCARE SVCS INC COM 001744101   224,620 2,637 SH   SOLE   0 0 2,637
EMCOR GROUP INC COM 29084Q100   222,803 1,059 SH   SOLE   0 0 1,059
LKQ CORP COM 501889208   257,452 5,200 SH   SOLE   0 0 5,200
ISHARES TR CORE S&P US VLU 464287663   976,104 13,081 SH   SOLE   0 0 13,081
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   326,189 5,663 SH   SOLE   0 0 5,663
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   202,020 4,200 SH   SOLE   0 0 4,200
BIOGEN INC COM 09062X103   231,309 900 SH   SOLE   0 0 900
SPDR SER TR S&P INS ETF 78464A789   280,764 6,600 SH   SOLE   0 0 6,600
WELLS FARGO CO NEW COM 949746101   210,225 5,145 SH   SOLE   0 0 5,145
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200   240,651 5,035 SH   SOLE   0 0 5,035