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
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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
3M CO COM 88579Y101   231,103 2,469 SH   SOLE   0 0 2,469
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   315,888 1,029 SH   SOLE   0 0 1,029
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   21,498 70 SH   OTR 1 0 0 70
ALPHABET INC CAP STK CL C 02079K107   2,863,386 21,717 SH   SOLE   0 0 21,717
ALPHABET INC CAP STK CL A 02079K305   1,272,090 9,721 SH   SOLE   0 0 9,721
ALPHABET INC CAP STK CL A 02079K305   22,246 170 SH   OTR 1 0 0 170
ALTO INGREDIENTS INC COM 021513106   0 1,200,000 SH   SOLE   0 0 1,200,000
AMAZON COM INC COM 023135106   1,099,588 8,650 SH   SOLE   0 0 8,650
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505   639,087 13,328 SH   SOLE   0 0 13,328
AMERICAN EXPRESS CO COM 025816109   742,407 4,976 SH   SOLE   0 0 4,976
AMERICAN EXPRESS CO COM 025816109   1,768,051 11,851 SH   OTR 2,3 0 0 11,851
AMGEN INC COM 031162100   2,006,673 7,466 SH   SOLE   0 0 7,466
AMGEN INC COM 031162100   2,010,594 7,481 SH   OTR 2,3 0 0 7,481
APA CORPORATION COM 03743Q108   308,480 7,506 SH   SOLE   0 0 7,506
APA CORPORATION COM 03743Q108   1,254,495 30,523 SH   OTR 2,3 0 0 30,523
APPLE INC COM 037833100   5,743,445 33,546 SH   SOLE   0 0 33,546
APPLE INC COM 037833100   17,121 100 SH   OTR 1 0 0 100
AT&T INC COM 00206R102   237,489 15,812 SH   SOLE   0 0 15,812
BANK AMERICA CORP COM 060505104   730,996 26,698 SH   SOLE   0 0 26,698
BANK AMERICA CORP COM 060505104   1,025,107 37,440 SH   OTR 2,3 0 0 37,440
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,462,434 7,030 SH   SOLE   0 0 7,030
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   436,824 1,247 SH   OTR 2,3 0 0 1,247
BLACKSTONE INC COM 09260D107   1,512,718 14,119 SH   SOLE   0 0 14,119
BOEING CO COM 097023105   491,485 2,564 SH   SOLE   0 0 2,564
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   923,517 36,779 SH   SOLE   0 0 36,779
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   1,989,557 75,163 SH   SOLE   0 0 75,163
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   429,600 17,535 SH   SOLE   0 0 17,535
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   1,883,301 86,628 SH   SOLE   0 0 86,628
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   529,710 24,638 SH   SOLE   0 0 24,638
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300   267,939 10,497 SH   SOLE   0 0 10,497
CAPITAL GRP FIXED INCM ETF T SHORT DURATION M 14020Y607   1,587,340 63,392 SH   SOLE   0 0 63,392
CHEVRON CORP NEW COM 166764100   1,693,082 10,041 SH   SOLE   0 0 10,041
CISCO SYS INC COM 17275R102   1,966,890 36,587 SH   SOLE   0 0 36,587
COCA COLA CO COM 191216100   477,754 8,534 SH   SOLE   0 0 8,534
CONOCOPHILLIPS COM 20825C104   604,121 5,043 SH   SOLE   0 0 5,043
CONOCOPHILLIPS COM 20825C104   1,796,161 14,993 SH   OTR 2,3 0 0 14,993
COSTCO WHSL CORP NEW COM 22160K105   516,432 914 SH   SOLE   0 0 914
CREDIT ACCEP CORP MICH COM 225310101   504,292 1,096 SH   OTR 3 0 0 1,096
D R HORTON INC COM 23331A109   519,188 4,831 SH   SOLE   0 0 4,831
D R HORTON INC COM 23331A109   2,069,657 19,258 SH   OTR 2,3 0 0 19,258
DEVON ENERGY CORP NEW COM 25179M103   336,700 7,059 SH   SOLE   0 0 7,059
DEVON ENERGY CORP NEW COM 25179M103   1,016,249 21,305 SH   OTR 2,3 0 0 21,305
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,765,779 67,628 SH   SOLE   0 0 67,628
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2,037,466 90,273 SH   SOLE   0 0 90,273
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,414,762 30,392 SH   SOLE   0 0 30,392
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757   793,026 34,021 SH   SOLE   0 0 34,021
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,504,612 46,125 SH   SOLE   0 0 46,125
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   398,451 15,724 SH   SOLE   0 0 15,724
DISNEY WALT CO COM 254687106   227,679 2,809 SH   SOLE   0 0 2,809
DOMINOS PIZZA INC COM 25754A201   265,600 701 SH   SOLE   0 0 701
EBAY INC. COM 278642103   331,273 7,514 SH   SOLE   0 0 7,514
EBAY INC. COM 278642103   887,091 20,120 SH   OTR 2,3 0 0 20,120
ELI LILLY & CO COM 532457108   267,423 498 SH   SOLE   0 0 498
EXXON MOBIL CORP COM 30231G102   929,976 7,909 SH   SOLE   0 0 7,909
FEDEX CORP COM 31428X106   430,432 1,625 SH   SOLE   0 0 1,625
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   234,609 1,908 SH   SOLE   0 0 1,908
HOME DEPOT INC COM 437076102   538,906 1,784 SH   SOLE   0 0 1,784
HOME DEPOT INC COM 437076102   935,790 3,097 SH   OTR 1,2,3 0 0 3,097
HONDA MOTOR LTD AMERN SHS 438128308   215,397 6,403 SH   SOLE   0 0 6,403
INTEL CORP COM 458140100   809,055 22,758 SH   SOLE   0 0 22,758
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   285,205 4,851 SH   SOLE   0 0 4,851
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   306,243 2,161 SH   SOLE   0 0 2,161
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498   1,101,957 22,717 SH   SOLE   0 0 22,717
INVESCO QQQ TR UNIT SER 1 46090E103   342,923 957 SH   SOLE   0 0 957
ISHARES TR CORE S&P500 ETF 464287200   392,070 913 SH   SOLE   0 0 913
ISHARES TR PFD AND INCM SEC 464288687   475,741 15,779 SH   SOLE   0 0 15,779
ISHARES TR EAFE VALUE ETF 464288877   540,543 11,047 SH   SOLE   0 0 11,047
ISHARES TR MSCI USA MIN VOL 46429B697   338,015 4,670 SH   SOLE   0 0 4,670
ISHARES TR 0-5 YR TIPS ETF 46429B747   607,785 6,271 SH   SOLE   0 0 6,271
ISHARES TR MSCI USA QLT FCT 46432F339   465,213 3,530 SH   SOLE   0 0 3,530
ISHARES TR MSCI USA MMENTM 46432F396   644,716 4,615 SH   SOLE   0 0 4,615
ISHARES TR MSCI INTL MOMENT 46434V449   344,215 10,934 SH   SOLE   0 0 10,934
ISHARES TR GENOMICS IMMUN 46435U192   255,840 10,072 SH   SOLE   0 0 10,072
ISHARES TR ROBOTICS ARTIF 46435U556   367,186 12,023 SH   SOLE   0 0 12,023
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   214,523 4,850 SH   SOLE   0 0 4,850
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   986,704 21,753 SH   SOLE   0 0 21,753
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   410,963 8,159 SH   SOLE   0 0 8,159
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   5,665,893 112,911 SH   SOLE   0 0 112,911
JOHNSON & JOHNSON COM 478160104   1,422,907 9,136 SH   SOLE   0 0 9,136
JOHNSON & JOHNSON COM 478160104   9,345 60 SH   OTR 1 0 0 60
JPMORGAN CHASE & CO COM 46625H100   1,831,028 12,626 SH   SOLE   0 0 12,626
JPMORGAN CHASE & CO COM 46625H100   1,345,931 9,281 SH   OTR 2,3 0 0 9,281
KIMBERLY-CLARK CORP COM 494368103   271,135 2,244 SH   SOLE   0 0 2,244
LENNAR CORP CL A 526057104   560,364 4,993 SH   SOLE   0 0 4,993
LENNAR CORP CL A 526057104   2,242,468 19,981 SH   OTR 2,3 0 0 19,981
MACERICH CO COM 554382101   346,039 31,718 SH   SOLE   0 0 31,718
MACERICH CO COM 554382101   1,281,870 117,495 SH   OTR 2,3 0 0 117,495
MARKEL GROUP INC COM 570535104   415,669 282 SH   SOLE   0 0 282
MARVELL TECHNOLOGY INC COM 573874104   289,354 5,346 SH   SOLE   0 0 5,346
MASTERCARD INCORPORATED CL A 57636Q104   377,675 954 SH   SOLE   0 0 954
MASTERCARD INCORPORATED CL A 57636Q104   11,877 30 SH   OTR 1 0 0 30
MCDONALDS CORP COM 580135101   385,565 1,464 SH   SOLE   0 0 1,464
MCKESSON CORP COM 58155Q103   395,612 910 SH   SOLE   0 0 910
MERCK & CO INC COM 58933Y105   1,525,019 14,813 SH   SOLE   0 0 14,813
MERCK & CO INC COM 58933Y105   2,025,747 19,677 SH   OTR 2,3 0 0 19,677
MICROSOFT CORP COM 594918104   4,431,020 14,033 SH   SOLE   0 0 14,033
MICROSOFT CORP COM 594918104   22,103 70 SH   OTR 1 0 0 70
NVIDIA CORPORATION COM 67066G104   1,027,772 2,363 SH   SOLE   0 0 2,363
NVR INC COM 62944T105   632,110 106 SH   SOLE   0 0 106
NVR INC COM 62944T105   1,586,238 266 SH   OTR 2,3 0 0 266
OCCIDENTAL PETE CORP COM 674599105   778,795 12,004 SH   SOLE   0 0 12,004
OCCIDENTAL PETE CORP COM 674599105   2,895,530 44,629 SH   OTR 2,3 0 0 44,629
OVINTIV INC COM 69047Q102   306,007 6,433 SH   SOLE   0 0 6,433
OVINTIV INC COM 69047Q102   1,081,456 22,734 SH   OTR 3 0 0 22,734
PACCAR INC COM 693718108   1,935,735 22,768 SH   SOLE   0 0 22,768
PACER FDS TR US CASH COWS 100 69374H881   3,514,534 75,319 SH   SOLE   0 0 75,319
PATHWARD FINANCIAL INC COM 59100U108   1,038,727 3,460 SH   SOLE   0 0 3,460
PFIZER INC COM 717081103   502,816 15,159 SH   SOLE   0 0 15,159
PFIZER INC COM 717081103   314,916 9,494 SH   OTR 1,2,3 0 0 9,494
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   502,438 5,017 SH   SOLE   0 0 5,017
PROCTER AND GAMBLE CO COM 742718109   253,308 1,737 SH   SOLE   0 0 1,737
PROCTER AND GAMBLE CO COM 742718109   8,752 60 SH   OTR 1 0 0 60
QUALCOMM INC COM 747525103   1,196,632 10,775 SH   SOLE   0 0 10,775
QUALCOMM INC COM 747525103   561,630 5,057 SH   OTR 2,3 0 0 5,057
SCHWAB CHARLES CORP COM 808513105   629,080 11,459 SH   SOLE   0 0 11,459
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   357,592 7,614 SH   SOLE   0 0 7,614
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   415,105 5,866 SH   SOLE   0 0 5,866
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   561,748 4,363 SH   SOLE   0 0 4,363
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   402,315 5,847 SH   SOLE   0 0 5,847
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   203,801 1,266 SH   SOLE   0 0 1,266
SELECT SECTOR SPDR TR ENERGY 81369Y506   427,540 4,730 SH   SOLE   0 0 4,730
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   346,589 10,449 SH   SOLE   0 0 10,449
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   427,959 2,611 SH   SOLE   0 0 2,611
SIMON PPTY GROUP INC NEW COM 828806109   432,635 4,005 SH   SOLE   0 0 4,005
SIMON PPTY GROUP INC NEW COM 828806109   1,657,504 15,343 SH   OTR 2,3 0 0 15,343
SPDR GOLD TR GOLD SHS 78463V107   597,675 3,486 SH   SOLE   0 0 3,486
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   240,576 7,758 SH   SOLE   0 0 7,758
SPDR S&P 500 ETF TR TR UNIT 78462F103   389,851 912 SH   SOLE   0 0 912
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,277,738 2,989 SH   OTR 3 0 0 2,989
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   329,708 3,794 SH   SOLE   0 0 3,794
TARGET CORP COM 87612E106   369,649 3,343 SH   SOLE   0 0 3,343
TARGET CORP COM 87612E106   927,129 8,385 SH   OTR 2,3 0 0 8,385
TESLA INC COM 88160R101   397,850 1,590 SH   SOLE   0 0 1,590
TOYOTA MOTOR CORP ADS 892331307   598,388 3,329 SH   SOLE   0 0 3,329
U HAUL HOLDING COMPANY COM 023586100   46,985 861 SH   SOLE   0 0 861
U HAUL HOLDING COMPANY COM 023586100   184,501 3,381 SH   OTR 2,3 0 0 3,381
UNITED PARCEL SERVICE INC CL B 911312106   265,727 1,705 SH   SOLE   0 0 1,705
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,475,455 19,628 SH   SOLE   0 0 19,628
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   320,519 816 SH   SOLE   0 0 816
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   340,626 2,601 SH   SOLE   0 0 2,601
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   455,058 6,015 SH   SOLE   0 0 6,015
VANGUARD INDEX FDS SM CP VAL ETF 922908611   445,836 2,795 SH   SOLE   0 0 2,795
VANGUARD INDEX FDS MID CAP ETF 922908629   214,695 1,031 SH   SOLE   0 0 1,031
VANGUARD INDEX FDS VALUE ETF 922908744   4,483,578 32,506 SH   SOLE   0 0 32,506
VANGUARD INDEX FDS SMALL CP ETF 922908751   310,264 1,641 SH   SOLE   0 0 1,641
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,314,852 10,898 SH   SOLE   0 0 10,898
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,241,828 21,109 SH   SOLE   0 0 21,109
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   298,584 7,615 SH   SOLE   0 0 7,615
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,244,126 26,314 SH   SOLE   0 0 26,314
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   322,841 4,296 SH   SOLE   0 0 4,296
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,911,622 43,724 SH   SOLE   0 0 43,724
VANGUARD WORLD FDS INF TECH ETF 92204A702   268,127 646 SH   SOLE   0 0 646
VERIZON COMMUNICATIONS INC COM 92343V104   293,402 9,053 SH   SOLE   0 0 9,053
VISA INC COM CL A 92826C839   1,621,996 7,052 SH   SOLE   0 0 7,052
WALMART INC COM 931142103   285,193 1,783 SH   SOLE   0 0 1,783
WARNER BROS DISCOVERY INC COM SER A 934423104   226,431 20,850 SH   SOLE   0 0 20,850
WARNER BROS DISCOVERY INC COM SER A 934423104   650,156 59,867 SH   OTR 2,3 0 0 59,867
WEC ENERGY GROUP INC COM 92939U106   232,628 2,888 SH   SOLE   0 0 2,888