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
ABBOTT LABS COM 002824100   345,014 3,135 SH   SOLE   0 0 3,135
AFLAC INC COM 001055102   663,300 8,040 SH   SOLE   0 0 8,040
AGNICO EAGLE MINES LTD COM 008474108   684,199 12,474 SH   SOLE   0 0 12,474
ALCON AG ORD SHS H01301128   368,674 4,719 SH   SOLE   0 0 4,719
ALPHABET INC CAP STK CL A 02079K305   348,060 2,492 SH   SOLE   20 0 2,472
ALPHABET INC CAP STK CL A 02079K305   83,814 600 SH   OTR   0 0 600
AMAZON COM INC COM 023135106   764,562 5,032 SH   SOLE   20 0 5,012
AMAZON COM INC COM 023135106   48,621 320 SH   OTR   0 0 320
AMBEV SA SPONSORED ADR 02319V103   28,000 10,000 SH   SOLE   0 0 10,000
AMERICAN CENTY ETF TR US QUALITY GROW 025072307   8,213,031 107,953 SH   SOLE   89 0 107,864
AMERICAN EXPRESS CO COM 025816109   394,288 2,105 SH   SOLE   40 0 2,065
APPLE INC COM 037833100   7,048,106 36,608 SH   SOLE   0 0 36,608
APPLE INC COM 037833100   196,958 1,023 SH   OTR   0 0 1,023
ARK ETF TR INNOVATION ETF 00214Q104   298,300 5,696 SH   SOLE   0 0 5,696
AT&T INC COM 00206R102   194,682 11,602 SH   SOLE   0 0 11,602
BANK NOVA SCOTIA HALIFAX COM 064149107   437,236 8,980 SH   SOLE   200 0 8,780
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   250,732 703 SH   SOLE   0 0 703
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   35,666 100 SH   OTR   0 0 100
BHP GROUP LTD SPONSORED ADS 088606108   453,578 6,640 SH   SOLE   0 0 6,640
BLACK HILLS CORP COM 092113109   221,681 4,109 SH   SOLE   100 0 4,009
CANADIAN NAT RES LTD COM 136385101   307,944 4,700 SH   SOLE   0 0 4,700
CANADIAN NATL RY CO COM 136375102   402,393 3,203 SH   SOLE   0 0 3,203
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   9,314,439 312,146 SH   SOLE   599 0 311,547
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   306,187 11,900 SH   SOLE   232 0 11,668
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   13,411,199 590,932 SH   SOLE   332 0 590,600
CAPITAL ONE FINL CORP COM 14040H105   211,365 1,612 SH   SOLE   0 0 1,612
CHEVRON CORP NEW COM 166764100   618,417 4,146 SH   SOLE   0 0 4,146
CHEVRON CORP NEW COM 166764100   14,916 100 SH   OTR   0 0 100
CISCO SYS INC COM 17275R102   461,248 9,130 SH   SOLE   0 0 9,130
CIVITAS RESOURCES INC COM NEW 17888H103   775,771 11,345 SH   SOLE   100 0 11,245
CONOCOPHILLIPS COM 20825C104   1,586,097 13,665 SH   SOLE   100 0 13,565
COSTCO WHSL CORP NEW COM 22160K105   605,953 918 SH   SOLE   0 0 918
CVS HEALTH CORP COM 126650100   392,036 4,965 SH   SOLE   0 0 4,965
D R HORTON INC COM 23331A109   375,695 2,472 SH   SOLE   0 0 2,472
DEERE & CO COM 244199105   399,070 998 SH   SOLE   0 0 998
DIAGEO PLC SPON ADR NEW 25243Q205   297,729 2,044 SH   SOLE   0 0 2,044
DOLLAR GEN CORP NEW COM 256677105   547,561 4,028 SH   SOLE   0 0 4,028
EAGLE MATLS INC COM 26969P108   711,563 3,508 SH   SOLE   0 0 3,508
ELI LILLY & CO COM 532457108   311,862 535 SH   SOLE   0 0 535
ELI LILLY & CO COM 532457108   11,658 20 SH   OTR   0 0 20
ELLSWORTH GROWTH & INCOME FD COM 289074106   151,678 18,772 SH   SOLE   0 0 18,772
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   179,221 12,987 SH   SOLE   0 0 12,987
EQUINOR ASA SPONSORED ADR 29446M102   202,812 6,410 SH   SOLE   0 0 6,410
EQUINOR ASA SPONSORED ADR 29446M102   12,656 400 SH   OTR   0 0 400
EXXON MOBIL CORP COM 30231G102   438,244 4,383 SH   SOLE   0 0 4,383
EXXON MOBIL CORP COM 30231G102   9,998 100 SH   OTR   0 0 100
FIRST TR VALUE LINE DIVID IN SHS 33734H106   786,156 19,383 SH   SOLE   108 0 19,275
GATX CORP COM 361448103   324,594 2,700 SH   SOLE   0 0 2,700
HALLADOR ENERGY COMPANY COM 40609P105   97,240 11,000 SH   SOLE   0 0 11,000
HOME DEPOT INC COM 437076102   290,409 838 SH   SOLE   0 0 838
HOME DEPOT INC COM 437076102   51,983 150 SH   OTR   0 0 150
INGREDION INC COM 457187102   713,042 6,570 SH   SOLE   75 0 6,495
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   8,400,819 53,237 SH   SOLE   0 0 53,237
INVESCO QQQ TR UNIT SER 1 46090E103   746,964 1,824 SH   SOLE   0 0 1,824
INVESCO QQQ TR UNIT SER 1 46090E103   40,952 100 SH   OTR   0 0 100
ISHARES TR CORE S&P SCP ETF 464287804   593,968 5,487 SH   SOLE   0 0 5,487
ISHARES TR CORE S&P TTL STK 464287150   464,064 4,410 SH   SOLE   0 0 4,410
ISHARES TR IBONDS 2026 TERM 46436E528   12,548,792 547,504 SH   SOLE   56 0 547,448
ISHARES TR IBONDS DEC24 ETF 46434VBG4   11,405,655 457,875 SH   SOLE   0 0 457,875
ISHARES TR RUS 1000 GRW ETF 464287614   6,508,735 21,469 SH   SOLE   0 0 21,469
ISHARES TR S&P MC 400GR ETF 464287606   778,574 9,828 SH   SOLE   0 0 9,828
ISHARES TR S&P SML 600 GWT 464287887   1,393,934 11,139 SH   SOLE   0 0 11,139
ISHARES TR CORE S&P500 ETF 464287200   3,409,801 7,139 SH   SOLE   75 0 7,064
ISHARES TR CORE S&P MCP ETF 464287507   1,121,072 4,045 SH   SOLE   0 0 4,045
ISHARES TR IBONDS 24 TRM TS 46436E874   720,930 30,215 SH   SOLE   261 0 29,954
ISHARES TR S&P MC 400VL ETF 464287705   221,466 1,942 SH   SOLE   0 0 1,942
ISHARES TR MSCI ACWI ETF 464288257   263,890 2,593 SH   SOLE   226 0 2,367
ISHARES TR RUS 1000 ETF 464287622   512,718 1,955 SH   SOLE   90 0 1,865
ISHARES TR RUS MD CP GR ETF 464287481   584,976 5,600 SH   SOLE   0 0 5,600
ISHARES TR RUS MDCP VAL ETF 464287473   337,241 2,900 SH   SOLE   0 0 2,900
ISHARES TR S&P 500 GRWT ETF 464287309   245,502 3,269 SH   SOLE   0 0 3,269
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   13,608,566 270,925 SH   SOLE   124 0 270,801
J P MORGAN EXCHANGE TRADED F MKT EXPN ENHNCD 46641Q118   1,632,193 30,389 SH   SOLE   376 0 30,013
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   355,180 7,000 SH   SOLE   0 0 7,000
JOHNSON & JOHNSON COM 478160104   661,364 4,220 SH   SOLE   0 0 4,220
JPMORGAN CHASE & CO COM 46625H100   634,303 3,729 SH   SOLE   0 0 3,729
LADDER CAP CORP CL A 505743104   716,236 62,227 SH   SOLE   0 0 62,227
M D C HLDGS INC COM 552676108   491,761 8,901 SH   SOLE   0 0 8,901
MCDONALDS CORP COM 580135101   295,917 998 SH   SOLE   0 0 998
MERCK & CO INC COM 58933Y105   207,901 1,907 SH   SOLE   0 0 1,907
MICROSOFT CORP COM 594918104   2,477,647 6,589 SH   SOLE   11 0 6,578
MICROSOFT CORP COM 594918104   37,604 100 SH   OTR   0 0 100
MYERS INDS INC COM 628464109   212,802 10,885 SH   SOLE   0 0 10,885
NOVARTIS AG SPONSORED ADR 66987V109   758,452 7,512 SH   SOLE   0 0 7,512
NUTRIEN LTD COM 67077M108   329,454 5,848 SH   SOLE   0 0 5,848
NVIDIA CORPORATION COM 67066G104   227,801 460 SH   SOLE   0 0 460
NVIDIA CORPORATION COM 67066G104   9,904 20 SH   OTR   0 0 20
OLD REP INTL CORP COM 680223104   698,720 23,766 SH   SOLE   0 0 23,766
PEPSICO INC COM 713448108   485,573 2,859 SH   SOLE   0 0 2,859
PEPSICO INC COM 713448108   16,984 100 SH   OTR   0 0 100
PFIZER INC COM 717081103   336,843 11,700 SH   SOLE   0 0 11,700
PHILLIPS 66 COM 718546104   353,220 2,653 SH   SOLE   0 0 2,653
PROCTER AND GAMBLE CO COM 742718109   597,517 4,078 SH   SOLE   0 0 4,078
PROGRESSIVE CORP COM 743315103   245,132 1,539 SH   SOLE   0 0 1,539
PROGRESSIVE CORP COM 743315103   31,856 200 SH   OTR   0 0 200
REGENERON PHARMACEUTICALS COM 75886F107   300,375 342 SH   SOLE   0 0 342
ROYAL BK CDA COM 780087102   523,348 5,175 SH   SOLE   0 0 5,175
S&P GLOBAL INC COM 78409V104   255,502 580 SH   SOLE   5 0 575
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   524,307 6,320 SH   SOLE   0 0 6,320
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   250,292 4,496 SH   SOLE   0 0 4,496
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   683 12 SH   OTR   0 0 12
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,724,569 22,653 SH   SOLE   0 0 22,653
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   954 13 SH   OTR   0 0 13
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   581,244 7,717 SH   SOLE   0 0 7,717
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   407,917 8,635 SH   SOLE   0 0 8,635
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   312,395 1,623 SH   SOLE   0 0 1,623
SERVICENOW INC COM 81762P102   199,230 282 SH   SOLE   0 0 282
SERVICENOW INC COM 81762P102   52,987 75 SH   OTR   0 0 75
SPDR GOLD TR GOLD SHS 78463V107   666,227 3,485 SH   SOLE   0 0 3,485
SPDR S&P 500 ETF TR TR UNIT 78462F103   609,823 1,283 SH   SOLE   0 0 1,283
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   329,797 650 SH   SOLE   0 0 650
SUNCOR ENERGY INC NEW COM 867224107   238,057 7,430 SH   SOLE   200 0 7,230
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   320,805 3,085 SH   SOLE   0 0 3,085
TEXAS INSTRS INC COM 882508104   932,075 5,468 SH   SOLE   0 0 5,468
THERMO FISHER SCIENTIFIC INC COM 883556102   631,816 1,190 SH   SOLE   6 0 1,184
TJX COS INC NEW COM 872540109   380,118 4,052 SH   SOLE   100 0 3,952
TRACTOR SUPPLY CO COM 892356106   172,884 804 SH   SOLE   0 0 804
TRACTOR SUPPLY CO COM 892356106   43,006 200 SH   OTR   0 0 200
VALERO ENERGY CORP COM 91913Y100   521,690 4,013 SH   SOLE   0 0 4,013
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   901,065 10,617 SH   SOLE   62 0 10,555
VANGUARD INDEX FDS LARGE CAP ETF 922908637   9,122,910 41,819 SH   SOLE   0 0 41,819
VANGUARD INDEX FDS MID CAP ETF 922908629   11,328,031 48,693 SH   SOLE   11 0 48,682
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   221,638 1,348 SH   SOLE   2 0 1,346
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   5,845,709 40,312 SH   SOLE   45 0 40,267
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,246,048 24,591 SH   SOLE   24 0 24,567
VANGUARD INDEX FDS GROWTH ETF 922908736   908,282 2,922 SH   SOLE   16 0 2,906
VANGUARD INDEX FDS TOTAL STK MKT 922908769   412,288 1,738 SH   SOLE   0 0 1,738
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   11,542,230 149,182 SH   SOLE   0 0 149,182
VISA INC COM CL A 92826C839   517,228 1,987 SH   SOLE   0 0 1,987
VISA INC COM CL A 92826C839   78,105 300 SH   OTR   0 0 300
WALMART INC COM 931142103   419,191 2,659 SH   SOLE   0 0 2,659
WISDOMTREE TR GLB US QTLY DIV 97717W844   260,452 7,041 SH   SOLE   752 0 6,289
WISDOMTREE TR US QTLY DIV GRT 97717X669   783,027 11,142 SH   SOLE   67 0 11,075
WOODSIDE ENERGY GROUP LTD SPONSORED ADR 980228308   274,655 13,023 SH   SOLE   168 0 12,855