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
GLOBE LIFE INC COM 37959E102   213,695 1,836 SH   SOLE   0 0 1,836
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,603,430 8,720 SH   SOLE   15 0 8,705
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   597,998 7,831 SH   SOLE   0 0 7,831
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307   527,257 18,631 SH   SOLE   0 0 18,631
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,259,744 13,343 SH   SOLE   13 0 13,330
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,624,686 38,573 SH   SOLE   82 0 38,491
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,164,106 7,880 SH   SOLE   12 0 7,868
HEALTHEQUITY INC COM 42226A107   360,478 4,416 SH   SOLE   0 0 4,416
SELECT SECTOR SPDR TR INDL 81369Y704   630,808 5,008 SH   SOLE   18 0 4,990
INVESCO DB MULTI-SECTOR COMM OIL FD 46140H403   2,641,107 169,955 SH   SOLE   76 0 169,879
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115   2,521,330 54,339 SH   SOLE   83 0 54,256
SPDR GOLD TR GOLD SHS 78463V107   4,291,731 20,862 SH   SOLE   6 0 20,856
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,086,866 38,900 SH   SOLE   30 0 38,870
SPDR SER TR PORTFLI INTRMDIT 78464A672   2,616,175 92,838 SH   SOLE   55 0 92,783
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,679,114 22,467 SH   SOLE   28 0 22,439
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   385,817 5,877 SH   SOLE   6 0 5,871
VANGUARD WORLD FD COMM SRVC ETF 92204A884   1,730,529 13,188 SH   SOLE   24 0 13,164
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,166,315 13,852 SH   SOLE   0 0 13,852
INVESCO QQQ TR UNIT SER 1 46090E103   467,543 1,053 SH   SOLE   0 0 1,053
ISHARES TR CORE S&P SCP ETF 464287804   1,823,027 16,495 SH   SOLE   0 0 16,495
META PLATFORMS INC CL A 30303M102   1,562,124 3,217 SH   SOLE   0 0 3,217
PAYPAL HLDGS INC COM 70450Y103   379,297 5,662 SH   SOLE   0 0 5,662
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   314,637 1,723 SH   SOLE   0 0 1,723
ISHARES GOLD TR ISHARES NEW 464285204   794,619 18,915 SH   SOLE   0 0 18,915
SPDR SER TR PORTFOLIO S&P500 78464A854   1,525,208 24,788 SH   SOLE   126 0 24,662
SPDR SER TR PORTFOLIO S&P600 78468R853   464,082 10,783 SH   SOLE   0 0 10,783
ISHARES TR EAFE SML CP ETF 464288273   2,752,167 43,458 SH   SOLE   0 0 43,458
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   692,176 15,193 SH   SOLE   0 0 15,193
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   406,103 8,528 SH   SOLE   0 0 8,528
SIMPLIFY EXCHANGE TRADED FUN ENHANCED INM ETF 82889N632   1,228,652 50,355 SH   SOLE   0 0 50,355
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,498,761 89,670 SH   SOLE   0 0 89,670
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   960,286 22,990 SH   SOLE   0 0 22,990
VANGUARD INDEX FDS MID CAP ETF 922908629   3,487,270 13,957 SH   SOLE   0 0 13,957
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,309,468 45,566 SH   SOLE   0 0 45,566
ISHARES TR AGENCY BOND ETF 464288166   471,638 4,365 SH   SOLE   35 0 4,330
ISHARES TR IBOXX HI YD ETF 464288513   817,797 10,521 SH   SOLE   20 0 10,501
SPDR SER TR PORTFOLIO AGRGTE 78464A649   475,188 18,797 SH   SOLE   254 0 18,543
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   924,923 25,807 SH   SOLE   536 0 25,271
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   253,493 7,005 SH   SOLE   103 0 6,902
SPDR SER TR PORTFOLIO S&P400 78464A847   365,550 6,853 SH   SOLE   0 0 6,853
SPDR SER TR PRTFLO S&P500 VL 78464A508   353,155 7,049 SH   SOLE   65 0 6,984
SPDR SER TR PORTFOLIO SHORT 78464A474   422,243 14,184 SH   SOLE   231 0 13,953
WISDOMTREE TR INDIA ERNGS FD 97717W422   1,239,456 28,454 SH   SOLE   35 0 28,419
ALPHABET INC CAP STK CL A 02079K305   1,424,477 9,438 SH   SOLE   1 0 9,437
AMAZON COM INC COM 023135106   1,173,192 6,504 SH   SOLE   1 0 6,503
APPLE INC COM 037833100   3,165,898 18,462 SH   SOLE   2 0 18,460
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,046,044 2,488 SH   SOLE   1 0 2,487
ISHARES TR 7-10 YR TRSY BD 464287440   1,221,587 12,905 SH   SOLE   0 0 12,905
ISHARES TR CORE US AGGBD ET 464287226   1,472,528 15,035 SH   SOLE   0 0 15,035
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   3,744,549 74,223 SH   SOLE   0 0 74,223
MICROSOFT CORP COM 594918104   1,072,894 2,550 SH   SOLE   1 0 2,549
NVIDIA CORPORATION COM 67066G104   2,814,139 3,115 SH   SOLE   0 0 3,115
QUALCOMM INC COM 747525103   595,073 3,515 SH   SOLE   2 0 3,513
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   691,617 4,436 SH   SOLE   0 0 4,436
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,780,032 3,703 SH   SOLE   0 0 3,703
VANGUARD INDEX FDS SM CP VAL ETF 922908611   513,738 2,677 SH   SOLE   0 0 2,677
VANGUARD INDEX FDS VALUE ETF 922908744   2,028,837 12,458 SH   SOLE   0 0 12,458
WALMART INC COM 931142103   89,118,457 1,481,111 SH   SOLE   5 0 1,481,106
ABBVIE INC COM 00287Y109   364,018 1,999 SH   SOLE   1 0 1,998
ADOBE INC COM 00724F101   355,869 705 SH   SOLE   0 0 705
AKAMAI TECHNOLOGIES INC COM 00971T101   381,476 3,508 SH   SOLE   0 0 3,508
AMERICAN EXPRESS CO COM 025816109   212,662 934 SH   SOLE   0 0 934
BROADCOM INC COM 11135F101   261,106 197 SH   SOLE   0 0 197
CISCO SYS INC COM 17275R102   289,016 5,791 SH   SOLE   0 0 5,791
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   444,808 14,719 SH   SOLE   0 0 14,719
EXTREME NETWORKS COM 30226D106   129,825 11,250 SH   SOLE   0 0 11,250
EXXON MOBIL CORP COM 30231G102   331,400 2,851 SH   SOLE   0 0 2,851
GENERAL DYNAMICS CORP COM 369550108   470,346 1,665 SH   SOLE   1 0 1,664
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,687,666 16,728 SH   SOLE   0 0 16,728
HUMANA INC COM 444859102   2,931,864 8,456 SH   SOLE   0 0 8,456
ISHARES TR EAFE VALUE ETF 464288877   2,625,670 48,266 SH   SOLE   0 0 48,266
LOWES COS INC COM 548661107   250,400 983 SH   SOLE   0 0 983
MURPHY USA INC COM 626755102   427,584 1,020 SH   SOLE   0 0 1,020
SPDR SER TR BLOOMBERG SHT TE 78468R408   341,227 13,530 SH   SOLE   0 0 13,530
THE CIGNA GROUP COM 125523100   501,931 1,382 SH   SOLE   1 0 1,381
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,146,293 14,951 SH   SOLE   0 0 14,951
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,010,142 38,936 SH   SOLE   0 0 38,936
VISA INC COM CL A 92826C839   213,636 766 SH   SOLE   1 0 765
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   238,937 2,926 SH   SOLE   0 0 2,926
COSTCO WHSL CORP NEW COM 22160K105   308,322 421 SH   SOLE   0 0 421
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   2,345,854 37,630 SH   SOLE   149 0 37,481
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   257,626 8,559 SH   SOLE   0 0 8,559
INVESCO EXCH TRADED FD TR II S&P SMLCP DISC 46138E180   257,334 2,360 SH   SOLE   15 0 2,345
ISHARES TR GLOBAL TECH ETF 464287291   1,129,855 15,103 SH   SOLE   0 0 15,103
ISHARES TR INTERNATIONAL SL 46434V266   274,235 8,315 SH   SOLE   0 0 8,315
MARATHON PETE CORP COM 56585A102   262,555 1,303 SH   SOLE   0 0 1,303
SELECTIVE INS GROUP INC COM 816300107   407,492 3,733 SH   SOLE   0 0 3,733
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   538,965 1,355 SH   SOLE   0 0 1,355
VALERO ENERGY CORP COM 91913Y100   284,193 1,665 SH   SOLE   0 0 1,665
WISDOMTREE TR EMER MKT HIGH FD 97717W315   294,679 7,043 SH   SOLE   0 0 7,043
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   202,081 3,199 SH   SOLE   12 0 3,187
ISHARES TR RUS MID CAP ETF 464287499   494,617 5,882 SH   SOLE   94 0 5,788
INTERNATIONAL BUSINESS MACHS COM 459200101   377,873 1,979 SH   SOLE   0 0 1,979
ISHARES TR BROAD USD HIGH 46435U853   569,414 15,562 SH   SOLE   0 0 15,562
ISHARES TR MBS ETF 464288588   496,942 5,377 SH   SOLE   0 0 5,377
VANGUARD WORLD FD INF TECH ETF 92204A702   448,385 855 SH   SOLE   0 0 855
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   364,227 4,524 SH   SOLE   0 0 4,524
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,767,425 14,496 SH   SOLE   0 0 14,496
INDEXIQ ACTIVE ETF TR IQ MACKAY INTRME 45409F827   2,003,931 82,162 SH   SOLE   0 0 82,162
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,907,986 57,312 SH   SOLE   0 0 57,312
ORACLE CORP COM 68389X105   1,125,466 8,960 SH   SOLE   0 0 8,960
SPROUTS FMRS MKT INC COM 85208M102   230,645 3,577 SH   SOLE   0 0 3,577
CONOCOPHILLIPS COM 20825C104   337,801 2,654 SH   SOLE   1 0 2,653
UNITEDHEALTH GROUP INC COM 91324P102   359,647 727 SH   SOLE   0 0 727
SCHWAB CHARLES CORP COM 808513105   273,011 3,774 SH   SOLE   0 0 3,774
ISHARES TR SHRT NAT MUN ETF 464288158   1,560,372 14,899 SH   SOLE   0 0 14,899
JPMORGAN CHASE & CO COM 46625H100   1,061,991 5,302 SH   SOLE   0 0 5,302
NORTHROP GRUMMAN CORP COM 666807102   526,047 1,099 SH   SOLE   0 0 1,099
SPDR SER TR S&P DIVID ETF 78464A763   288,728 2,200 SH   SOLE   0 0 2,200
HOME DEPOT INC COM 437076102   251,258 655 SH   SOLE   0 0 655
TJX COS INC NEW COM 872540109   268,256 2,645 SH   SOLE   0 0 2,645
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   889,988 17,030 SH   SOLE   0 0 17,030
ISHARES TR MSCI EAFE ETF 464287465   1,351,551 16,924 SH   SOLE   0 0 16,924
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   367,133 9,990 SH   SOLE   0 0 9,990
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   929,463 19,759 SH   SOLE   0 0 19,759
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   696,772 17,036 SH   SOLE   0 0 17,036
ISHARES TR DOW JONES US ETF 464287846   662,994 5,176 SH   SOLE   0 0 5,176
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   509,490 5,550 SH   SOLE   0 0 5,550
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   518,650 10,250 SH   SOLE   0 0 10,250
ISHARES TR CORE S&P500 ETF 464287200   1,767,883 3,363 SH   SOLE   0 0 3,363
AMGEN INC COM 031162100   203,573 716 SH   SOLE   0 0 716
ISHARES TR FLTG RATE NT ETF 46429B655   294,769 5,773 SH   SOLE   0 0 5,773
ISHARES TR RUSSELL 2000 ETF 464287655   879,054 4,180 SH   SOLE   0 0 4,180
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,350,297 2,581 SH   SOLE   0 0 2,581
TARGET CORP COM 87612E106   454,898 2,567 SH   SOLE   0 0 2,567
TRAVELERS COMPANIES INC COM 89417E109   209,427 910 SH   SOLE   0 0 910
ISHARES TR NATIONAL MUN ETF 464288414   908,209 8,441 SH   SOLE   0 0 8,441
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   236,137 2,757 SH   SOLE   0 0 2,757
KLA CORP COM NEW 482480100   459,659 658 SH   SOLE   0 0 658
SPDR SER TR S&P 600 SMCP VAL 78464A300   269,653 3,250 SH   SOLE   0 0 3,250
ISHARES TR CORE S&P US VLU 464287663   1,158,635 12,811 SH   SOLE   0 0 12,811
NOVO-NORDISK A S ADR 670100205   263,220 2,050 SH   SOLE   0 0 2,050
LKQ CORP COM 501889208   249,158 4,665 SH   SOLE   0 0 4,665
AMERIPRISE FINL INC COM 03076C106   210,013 479 SH   SOLE   0 0 479
ISHARES TR 1 3 YR TREAS BD 464287457   200,361 2,450 SH   SOLE   0 0 2,450
TOPBUILD CORP COM 89055F103   220,365 500 SH   SOLE   0 0 500
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   200,893 852 SH   SOLE   0 0 852
SPDR SER TR S&P INS ETF 78464A789   343,662 6,600 SH   SOLE   0 0 6,600
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   315,610 5,435 SH   SOLE   0 0 5,435
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530   3,664,360 3,664,360 SH   SOLE   0 0 3,664,360
EMCOR GROUP INC COM 29084Q100   370,161 1,057 SH   SOLE   0 0 1,057
WELLS FARGO CO NEW COM 949746101   299,817 5,173 SH   SOLE   0 0 5,173