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
AMERICAN CENTY ETF TR US QUALITY GROW 025072307   13,315,199 133,553 SH   SOLE   332 0 133,220
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   14,371,958 647,385 SH   SOLE   691 0 646,694
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   13,823,695 392,050 SH   SOLE   896 0 391,154
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   7,431,906 114,196 SH   SOLE   286 0 113,910
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   9,819,370 56,037 SH   SOLE   0 0 56,037
ISHARES TR CORE S&P SCP ETF 464287804   538,538 4,674 SH   SOLE   0 0 4,674
ISHARES TR CORE S&P TTL STK 464287150   820,013 6,375 SH   SOLE   0 0 6,375
ISHARES TR IBONDS 2026 TERM 46436E528   13,441,830 580,641 SH   SOLE   0 0 580,641
ISHARES TR IBONDS DEC25 ETF 46434VBD1   13,168,440 525,686 SH   SOLE   455 0 525,231
ISHARES TR RUS 1000 GRW ETF 464287614   8,357,486 20,812 SH   SOLE   0 0 20,812
ISHARES TR S&P MC 400GR ETF 464287606   856,106 9,415 SH   SOLE   0 0 9,415
ISHARES TR S&P SML 600 GWT 464287887   1,472,826 10,880 SH   SOLE   0 0 10,880
J P MORGAN EXCHANGE TRADED F ACTIVE BOND ETF 46654Q716   11,847,047 226,738 SH   SOLE   0 0 226,738
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   14,847,938 294,777 SH   SOLE   508 0 294,270
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   12,520,162 135,025 SH   SOLE   0 0 135,025
VANGUARD INDEX FDS MID CAP ETF 922908629   13,387,456 50,685 SH   SOLE   0 0 50,685
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,778,188 28,210 SH   SOLE   0 0 28,210
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   7,271,799 44,951 SH   SOLE   0 0 44,951
AGNICO EAGLE MINES LTD COM 008474108   1,052,941 13,463 SH   SOLE   0 0 13,463
DEERE & CO COM 244199105   354,660 837 SH   SOLE   0 0 837
EAGLE MATLS INC COM 26969P108   662,551 2,685 SH   SOLE   0 0 2,685
INGREDION INC COM 457187102   860,025 6,252 SH   SOLE   75 0 6,177
MCDONALDS CORP COM 580135101   327,933 1,131 SH   SOLE   0 0 1,131
MICROSOFT CORP COM 594918104   2,594,333 6,155 SH   SOLE   11 0 6,144
MICROSOFT CORP COM 594918104   42,150 100 SH   OTR   0 0 100
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   311,874 1,642 SH   SOLE   0 0 1,642
INVESCO QQQ TR UNIT SER 1 46090E103   1,045,465 2,045 SH   SOLE   0 0 2,045
INVESCO QQQ TR UNIT SER 1 46090E103   51,123 100 SH   OTR   0 0 100
ABBOTT LABS COM 002824100   288,005 2,546 SH   SOLE   0 0 2,546
CISCO SYS INC COM 17275R102   445,894 7,532 SH   SOLE   0 0 7,532
CONOCOPHILLIPS COM 20825C104   1,266,641 12,772 SH   SOLE   150 0 12,622
JOHNSON & JOHNSON COM 478160104   578,914 4,003 SH   SOLE   0 0 4,003
JOHNSON & JOHNSON COM 478160104   14,462 100 SH   OTR   0 0 100
KIMBELL RTY PARTNERS LP UNIT 49435R102   170,253 10,490 SH   SOLE   0 0 10,490
MOTOROLA SOLUTIONS INC COM NEW 620076307   336,518 728 SH   SOLE   0 0 728
NOVARTIS AG SPONSORED ADR 66987V109   708,967 7,286 SH   SOLE   0 0 7,286
OLD REP INTL CORP COM 680223104   753,078 20,809 SH   SOLE   0 0 20,809
ROYAL BK CDA COM 780087102   564,589 4,685 SH   SOLE   0 0 4,685
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   825,260 28,243 SH   SOLE   611 0 27,632
ISHARES TR CORE S&P500 ETF 464287200   4,420,665 7,509 SH   SOLE   117 0 7,393
J P MORGAN EXCHANGE TRADED F SMALL & MID CAP 46641Q118   1,786,743 29,548 SH   SOLE   431 0 29,117
WISDOMTREE TR GLB US QTLY DIV 97717W844   572,496 15,911 SH   SOLE   1,088 0 14,823
COLUMBIA ETF TR I RESH ENHNC VLU 19761L805   1,234,400 49,908 SH   SOLE   0 0 49,908
WISDOMTREE TR US QTLY DIV GRT 97717X669   1,211,150 14,965 SH   SOLE   0 0 14,965
VANGUARD INDEX FDS GROWTH ETF 922908736   1,481,894 3,611 SH   SOLE   0 0 3,611
ISHARES TR CORE S&P MCP ETF 464287507   1,228,566 19,717 SH   SOLE   0 0 19,717
AFLAC INC COM 001055102   822,451 7,951 SH   SOLE   0 0 7,951
ALPHABET INC CAP STK CL A 02079K305   437,332 2,310 SH   SOLE   30 0 2,280
ALPHABET INC CAP STK CL A 02079K305   113,580 600 SH   OTR   0 0 600
AMERICAN EXPRESS CO COM 025816109   376,841 1,270 SH   SOLE   40 0 1,230
CANADIAN NAT RES LTD COM 136385101   311,787 10,100 SH   SOLE   0 0 10,100
S&P GLOBAL INC COM 78409V104   236,564 475 SH   SOLE   5 0 470
SUNCOR ENERGY INC NEW COM 867224107   379,278 10,630 SH   SOLE   200 0 10,430
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   591,613 2,996 SH   SOLE   18 0 2,978
THERMO FISHER SCIENTIFIC INC COM 883556102   483,987 930 SH   SOLE   6 0 924
BANK NOVA SCOTIA HALIFAX COM 064149107   482,459 8,981 SH   SOLE   200 0 8,781
CIVITAS RESOURCES INC COM NEW 17888H103   403,794 8,803 SH   SOLE   100 0 8,703
D R HORTON INC COM 23331A109   244,980 1,752 SH   SOLE   0 0 1,752
ISHARES TR CORE DIV GRWTH 46434V621   1,056,088 17,217 SH   SOLE   371 0 16,846
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   543,603 10,720 SH   SOLE   231 0 10,489
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,325,270 13,208 SH   SOLE   117 0 13,091
PIMCO ETF TR MULTISECTOR BD 72201R585   667,730 25,761 SH   SOLE   447 0 25,315
AMAZON COM INC COM 023135106   1,019,970 4,649 SH   SOLE   20 0 4,629
AMAZON COM INC COM 023135106   92,144 420 SH   OTR   0 0 420
APPLE INC COM 037833100   7,567,453 30,219 SH   SOLE   0 0 30,219
APPLE INC COM 037833100   197,832 790 SH   OTR   0 0 790
ELI LILLY & CO COM 532457108   326,571 423 SH   SOLE   0 0 423
ELI LILLY & CO COM 532457108   15,440 20 SH   OTR   0 0 20
VISA INC COM CL A 92826C839   485,130 1,535 SH   SOLE   0 0 1,535
VISA INC COM CL A 92826C839   94,812 300 SH   OTR   0 0 300
TJX COS INC NEW COM 872540109   249,110 2,062 SH   SOLE   100 0 1,962
VANGUARD INDEX FDS TOTAL STK MKT 922908769   718,998 2,481 SH   SOLE   0 0 2,481
CHEVRON CORP NEW COM 166764100   629,876 4,349 SH   SOLE   0 0 4,349
CHEVRON CORP NEW COM 166764100   14,484 100 SH   OTR   0 0 100
ISHARES TR S&P MC 400VL ETF 464287705   216,931 1,736 SH   SOLE   0 0 1,736
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   254,415 12,987 SH   SOLE   0 0 12,987
LADDER CAP CORP CL A 505743104   506,883 45,298 SH   SOLE   0 0 45,298
TEXAS INSTRS INC COM 882508104   1,000,041 5,333 SH   SOLE   0 0 5,333
BLACK HILLS CORP COM 092113109   272,059 4,649 SH   SOLE   100 0 4,549
JPMORGAN CHASE & CO. COM 46625H100   910,658 3,799 SH   SOLE   0 0 3,799
HOME DEPOT INC COM 437076102   340,416 875 SH   SOLE   0 0 875
HOME DEPOT INC COM 437076102   58,349 150 SH   OTR   0 0 150
WALMART INC COM 931142103   716,114 7,926 SH   SOLE   0 0 7,926
WALMART INC COM 931142103   18,070 200 SH   OTR   0 0 200
BHP GROUP LTD SPONSORED ADS 088606108   225,888 4,626 SH   SOLE   50 0 4,576
NUTRIEN LTD COM 67077M108   244,111 5,455 SH   SOLE   0 0 5,455
VALERO ENERGY CORP COM 91913Y100   492,076 4,014 SH   SOLE   0 0 4,014
ELEVANCE HEALTH INC COM 036752103   593,560 1,609 SH   SOLE   0 0 1,609
BROADCOM INC COM 11135F101   220,248 950 SH   SOLE   0 0 950
BROADCOM INC COM 11135F101   23,184 100 SH   OTR   0 0 100
PHILLIPS 66 COM 718546104   304,421 2,672 SH   SOLE   0 0 2,672
PROCTER AND GAMBLE CO COM 742718109   627,179 3,741 SH   SOLE   0 0 3,741
ALCON AG ORD SHS H01301128   425,157 5,008 SH   SOLE   0 0 5,008
CAPITAL ONE FINL CORP COM 14040H105   285,312 1,600 SH   SOLE   0 0 1,600
GATX CORP COM 361448103   418,392 2,700 SH   SOLE   0 0 2,700
ISHARES TR MSCI ACWI ETF 464288257   330,528 2,813 SH   SOLE   226 0 2,587
ISHARES TR RUS 1000 ETF 464287622   500,959 1,555 SH   SOLE   90 0 1,465
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   704,554 25,280 SH   SOLE   0 0 25,280
ISHARES TR S&P 500 GRWT ETF 464287309   412,110 4,059 SH   SOLE   0 0 4,059
COSTCO WHSL CORP NEW COM 22160K105   765,085 835 SH   SOLE   0 0 835
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   323,642 714 SH   SOLE   0 0 714
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   45,328 100 SH   OTR   0 0 100
NVIDIA CORPORATION COM 67066G104   422,879 3,149 SH   SOLE   0 0 3,149
NVIDIA CORPORATION COM 67066G104   67,145 500 SH   OTR   0 0 500
TRAVELERS COMPANIES INC COM 89417E109   241,854 1,004 SH   SOLE   0 0 1,004
PEPSICO INC COM 713448108   441,126 2,901 SH   SOLE   0 0 2,901
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   304,271 13,404 SH   SOLE   0 0 13,404
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   829 37 SH   OTR   0 0 37
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   603,967 21,796 SH   SOLE   0 0 21,796
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   436,931 16,896 SH   SOLE   0 0 16,896
PROGRESSIVE CORP COM 743315103   368,999 1,540 SH   SOLE   0 0 1,540
PROGRESSIVE CORP COM 743315103   47,922 200 SH   OTR   0 0 200
ISHARES TR RUS MD CP GR ETF 464287481   682,042 5,381 SH   SOLE   0 0 5,381
ISHARES TR RUS MDCP VAL ETF 464287473   266,052 2,057 SH   SOLE   0 0 2,057
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   370,227 650 SH   SOLE   0 0 650
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   377,380 1,623 SH   SOLE   0 0 1,623
3M CO COM 88579Y101   207,835 1,610 SH   SOLE   0 0 1,610
AMBEV SA SPONSORED ADR 02319V103   18,500 10,000 SH   SOLE   0 0 10,000
CANADIAN NATL RY CO COM 136375102   325,137 3,203 SH   SOLE   0 0 3,203
EXXON MOBIL CORP COM 30231G102   586,828 5,455 SH   SOLE   0 0 5,455
EXXON MOBIL CORP COM 30231G102   10,757 100 SH   OTR   0 0 100
ELLSWORTH GROWTH & INCOME FD COM 289074106   181,901 18,772 SH   SOLE   0 0 18,772
SPDR S&P 500 ETF TR TR UNIT 78462F103   564,395 963 SH   SOLE   0 0 963
ARK ETF TR INNOVATION ETF 00214Q104   309,680 5,455 SH   SOLE   0 0 5,455
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   410,751 8,100 SH   SOLE   0 0 8,100
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   273,156 3,233 SH   SOLE   0 0 3,233
HALLADOR ENERGY COMPANY COM 40609P105   114,500 10,000 SH   SOLE   0 0 10,000