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
ABBOTT LABS COM 002824100   278,971 2,755 SH   SOLE   0 0 2,755
AFLAC INC COM 001055102   522,612 8,100 SH   SOLE   0 0 8,100
AGNICO EAGLE MINES LTD COM 008474108   602,669 11,824 SH   SOLE   0 0 11,824
ALCON AG ORD SHS H01301128   327,893 4,648 SH   SOLE   188 0 4,460
ALPHABET INC CAP STK CL A 02079K305   264,995 2,555 SH   SOLE   420 0 2,135
ALPHABET INC CAP STK CL A 02079K305   62,238 600 SH   OTR   0 0 600
AMAZON COM INC COM 023135106   458,194 4,436 SH   SOLE   80 0 4,356
AMAZON COM INC COM 023135106   22,724 220 SH   OTR   0 0 220
AMBEV SA SPONSORED ADR 02319V103   28,200 10,000 SH   SOLE   0 0 10,000
AMERICAN CENTY ETF TR STOXX US QLTY 025072307   6,100,772 95,002 SH   SOLE   0 0 95,002
AMERICAN EXPRESS CO COM 025816109   294,215 1,784 SH   SOLE   40 0 1,744
APPLE INC COM 037833100   7,621,960 46,222 SH   SOLE   0 0 46,222
APPLE INC COM 037833100   201,673 1,223 SH   OTR   0 0 1,223
ARK ETF TR INNOVATION ETF 00214Q104   229,777 5,696 SH   SOLE   0 0 5,696
AT&T INC COM 00206R102   316,059 16,419 SH   SOLE   0 0 16,419
AZZ INC COM 002474104   239,192 5,800 SH   SOLE   0 0 5,800
BANK NOVA SCOTIA HALIFAX COM 064149107   502,593 9,980 SH   SOLE   0 0 9,980
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   279,128 904 SH   SOLE   150 0 754
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   30,877 100 SH   OTR   0 0 100
BHP GROUP LTD SPONSORED ADS 088606108   414,701 6,540 SH   SOLE   0 0 6,540
CANADIAN NAT RES LTD COM 136385101   249,075 4,500 SH   SOLE   0 0 4,500
CANADIAN NATL RY CO COM 136375102   388,475 3,293 SH   SOLE   0 0 3,293
CAPITAL GROUP FIXED INCOME E CORE PLUS INCM 14020Y102   11,503,372 504,755 SH   SOLE   43 0 504,712
CHEVRON CORP NEW COM 166764100   610,708 3,743 SH   SOLE   0 0 3,743
CISCO SYS INC COM 17275R102   534,616 10,227 SH   SOLE   0 0 10,227
CIVITAS RESOURCES INC COM NEW 17888H103   607,201 8,885 SH   SOLE   0 0 8,885
CONOCOPHILLIPS COM 20825C104   1,270,880 12,810 SH   SOLE   800 0 12,010
COSTCO WHSL CORP NEW COM 22160K105   492,895 992 SH   SOLE   0 0 992
CVS HEALTH CORP COM 126650100   626,731 8,434 SH   SOLE   0 0 8,434
D R HORTON INC COM 23331A109   265,717 2,720 SH   SOLE   40 0 2,680
DEERE & CO COM 244199105   256,811 622 SH   SOLE   10 0 612
DIAGEO PLC SPON ADR NEW 25243Q205   382,471 2,111 SH   SOLE   0 0 2,111
DOLLAR GEN CORP NEW COM 256677105   882,178 4,192 SH   SOLE   200 0 3,992
DOLLAR GEN CORP NEW COM 256677105   21,046 100 SH   OTR   0 0 100
EAGLE MATLS INC COM 26969P108   587,734 4,005 SH   SOLE   25 0 3,980
ELLSWORTH GROWTH & INCOME FD COM 289074106   152,241 18,772 SH   SOLE   0 0 18,772
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   161,948 12,987 SH   SOLE   0 0 12,987
EXXON MOBIL CORP COM 30231G102   617,201 5,628 SH   SOLE   0 0 5,628
FIRST TR VALUE LINE DIVID IN SHS 33734H106   576,672 14,359 SH   SOLE   108 0 14,251
GABELLI HLTHCARE & WELLNESS SHS 36246K103   110,818 10,983 SH   SOLE   0 0 10,983
GATX CORP COM 361448103   308,056 2,800 SH   SOLE   0 0 2,800
GENERAL MTRS CO COM 37045V100   277,007 7,552 SH   SOLE   800 0 6,752
GOLDMINING INC COM 38149E101   12,100 10,000 SH   SOLE   0 0 10,000
HALLADOR ENERGY COMPANY COM 40609P105   116,787 12,708 SH   SOLE   0 0 12,708
HOME DEPOT INC COM 437076102   247,015 837 SH   SOLE   0 0 837
HOME DEPOT INC COM 437076102   44,268 150 SH   OTR   0 0 150
INGREDION INC COM 457187102   686,983 6,753 SH   SOLE   0 0 6,753
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   7,289,255 50,403 SH   SOLE   0 0 50,403
INVESCO QQQ TR UNIT SER 1 46090E103   585,376 1,824 SH   SOLE   0 0 1,824
ISHARES TR CORE S&P SCP ETF 464287804   564,438 5,837 SH   SOLE   0 0 5,837
ISHARES TR CORE S&P TTL STK 464287150   399,326 4,410 SH   SOLE   0 0 4,410
ISHARES TR CORE US AGGBD ET 464287226   10,711,001 107,497 SH   SOLE   0 0 107,497
ISHARES TR IBONDS DEC23 ETF 46434VAX8   11,747,939 466,373 SH   SOLE   38 0 466,335
ISHARES TR RUS 1000 GRW ETF 464287614   4,958,718 20,295 SH   SOLE   0 0 20,295
ISHARES TR S&P MC 400GR ETF 464287606   888,154 12,420 SH   SOLE   0 0 12,420
ISHARES TR S&P SML 600 GWT 464287887   1,319,280 12,000 SH   SOLE   0 0 12,000
ISHARES TR CORE S&P500 ETF 464287200   2,083,765 5,069 SH   SOLE   0 0 5,069
ISHARES TR CORE S&P MCP ETF 464287507   1,011,897 4,045 SH   SOLE   0 0 4,045
ISHARES TR S&P 500 GRWT ETF 464287309   283,480 4,437 SH   SOLE   0 0 4,437
ISHARES TR MSCI ACWI ETF 464288257   229,997 2,523 SH   SOLE   226 0 2,297
ISHARES TR RUS 1000 ETF 464287622   739,655 3,284 SH   SOLE   235 0 3,049
ISHARES TR RUS MD CP GR ETF 464287481   509,880 5,600 SH   SOLE   0 0 5,600
ISHARES TR RUS MDCP VAL ETF 464287473   404,622 3,810 SH   SOLE   0 0 3,810
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   11,250,109 223,571 SH   SOLE   0 0 223,571
J P MORGAN EXCHANGE TRADED F MKT EXPN ENHNCD 46641Q118   509,383 10,621 SH   SOLE   189 0 10,432
JOHNSON & JOHNSON COM 478160104   707,420 4,564 SH   SOLE   200 0 4,364
JPMORGAN CHASE & CO COM 46625H100   473,677 3,635 SH   SOLE   30 0 3,605
LADDER CAP CORP CL A 505743104   636,960 67,403 SH   SOLE   0 0 67,403
LILLY ELI & CO COM 532457108   207,082 603 SH   SOLE   0 0 603
LILLY ELI & CO COM 532457108   6,868 20 SH   OTR   0 0 20
M D C HLDGS INC COM 552676108   345,969 8,901 SH   SOLE   1,006 0 7,895
MCDONALDS CORP COM 580135101   265,350 949 SH   SOLE   0 0 949
MERCK & CO INC COM 58933Y105   203,737 1,915 SH   SOLE   0 0 1,915
MICROSOFT CORP COM 594918104   1,964,884 6,815 SH   SOLE   253 0 6,562
MICROSOFT CORP COM 594918104   28,830 100 SH   OTR   0 0 100
NOVARTIS AG SPONSORED ADR 66987V109   673,593 7,322 SH   SOLE   442 0 6,880
NUTRIEN LTD COM 67077M108   293,406 3,973 SH   SOLE   0 0 3,973
NVIDIA CORPORATION COM 67066G104   236,938 853 SH   SOLE   0 0 853
OLD REP INTL CORP COM 680223104   593,437 23,766 SH   SOLE   0 0 23,766
PEPSICO INC COM 713448108   516,274 2,832 SH   SOLE   0 0 2,832
PEPSICO INC COM 713448108   18,230 100 SH   OTR   0 0 100
PFIZER INC COM 717081103   874,222 21,427 SH   SOLE   0 0 21,427
PHILLIPS 66 COM 718546104   342,259 3,376 SH   SOLE   0 0 3,376
PROCTER AND GAMBLE CO COM 742718109   588,366 3,957 SH   SOLE   0 0 3,957
PROGRESSIVE CORP COM 743315103   220,169 1,539 SH   SOLE   0 0 1,539
PROGRESSIVE CORP COM 743315103   14,306 100 SH   OTR   0 0 100
REGENERON PHARMACEUTICALS COM 75886F107   332,776 405 SH   SOLE   0 0 405
ROYAL BK CDA SUSTAINABL COM 780087102   494,627 5,175 SH   SOLE   0 0 5,175
S&P GLOBAL INC COM 78409V104   211,689 614 SH   SOLE   15 0 599
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   9,207,781 125,858 SH   SOLE   0 0 125,858
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   598 8 SH   OTR   0 0 8
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   574,282 8,464 SH   SOLE   0 0 8,464
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   324,232 6,776 SH   SOLE   0 0 6,776
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   581 12 SH   OTR   0 0 12
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   411,874 6,320 SH   SOLE   0 0 6,320
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   514,146 12,262 SH   SOLE   0 0 12,262
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   245,089 1,623 SH   SOLE   0 0 1,623
SISECAM RESOURCES LP COM UNIT LTD 172464109   215,153 8,565 SH   SOLE   0 0 8,565
SPDR GOLD TR GOLD SHS 78463V107   638,522 3,485 SH   SOLE   0 0 3,485
SPDR S&P 500 ETF TR TR UNIT 78462F103   552,677 1,350 SH   SOLE   0 0 1,350
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   297,967 650 SH   SOLE   0 0 650
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   301,539 3,242 SH   SOLE   50 0 3,192
TEXAS INSTRS INC COM 882508104   1,007,988 5,419 SH   SOLE   0 0 5,419
THERMO FISHER SCIENTIFIC INC COM 883556102   407,109 706 SH   SOLE   24 0 682
TJX COS INC NEW COM 872540109   317,515 4,052 SH   SOLE   200 0 3,852
TRACTOR SUPPLY CO COM 892356106   201,194 856 SH   SOLE   0 0 856
TRACTOR SUPPLY CO COM 892356106   47,008 200 SH   OTR   0 0 200
VALERO ENERGY CORP COM 91913Y100   560,215 4,013 SH   SOLE   0 0 4,013
VANGUARD INDEX FDS LARGE CAP ETF 922908637   7,933,438 42,468 SH   SOLE   24 0 42,444
VANGUARD INDEX FDS MID CAP ETF 922908629   9,472,873 44,912 SH   SOLE   11 0 44,901
VANGUARD INDEX FDS TOTAL STK MKT 922908769   623,730 3,056 SH   SOLE   83 0 2,973
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,546,362 33,910 SH   SOLE   45 0 33,865
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,005,237 21,129 SH   SOLE   24 0 21,105
VANGUARD INDEX FDS GROWTH ETF 922908736   563,030 2,257 SH   SOLE   16 0 2,241
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   10,740,121 140,891 SH   SOLE   0 0 140,891
VISA INC COM CL A 92826C839   434,611 1,928 SH   SOLE   35 0 1,893
VISA INC COM CL A 92826C839   67,638 300 SH   OTR   0 0 300
WALMART INC COM 931142103   464,025 3,147 SH   SOLE   255 0 2,892
WISDOMTREE TR US QTLY DIV GRT 97717X669   554,184 8,890 SH   SOLE   67 0 8,823
WOODSIDE ENERGY GROUP LTD SPONSORED ADR 980228308   213,691 9,527 SH   SOLE   0 0 9,527