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   15,584,629 142,821 SH   SOLE   676 0 142,145
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   15,173,113 674,361 SH   SOLE   2,905 0 671,456
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   14,673,315 371,570 SH   SOLE   1,651 0 369,919
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   8,450,662 264,331 SH   SOLE   1,546 0 262,785
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   7,428,401 116,597 SH   SOLE   583 0 116,014
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   9,881,081 54,369 SH   SOLE   0 0 54,369
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   11,327,718 158,963 SH   SOLE   6 0 158,957
ISHARES TR CORE S&P SCP ETF 464287804   245,684 2,248 SH   SOLE   0 0 2,248
ISHARES TR CORE S&P TTL STK 464287150   460,486 3,410 SH   SOLE   0 0 3,410
ISHARES TR IBONDS 2026 TERM 46436E528   13,346,135 574,522 SH   SOLE   0 0 574,522
ISHARES TR IBONDS DEC25 ETF 46434VBD1   13,386,522 531,633 SH   SOLE   1,936 0 529,697
ISHARES TR RUS 1000 GRW ETF 464287614   8,467,506 19,943 SH   SOLE   0 0 19,943
ISHARES TR S&P MC 400GR ETF 464287606   1,127,697 12,395 SH   SOLE   0 0 12,395
ISHARES TR S&P SML 600 GWT 464287887   1,145,740 8,612 SH   SOLE   0 0 8,612
J P MORGAN EXCHANGE TRADED F ACTIVE BOND ETF 46654Q716   12,173,887 227,167 SH   SOLE   0 0 227,167
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   15,067,052 297,298 SH   SOLE   1,486 0 295,812
VANGUARD INDEX FDS MID CAP ETF 922908629   12,054,722 43,079 SH   SOLE   0 0 43,079
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,416,915 27,078 SH   SOLE   0 0 27,078
WISDOMTREE TR WISDOMTREE US VA 97717W547   7,313,548 84,648 SH   SOLE   0 0 84,648
DBX ETF TR XTRACK MSCI EAFE 233051200   6,775,447 154,867 SH   SOLE   0 0 154,867
AGNICO EAGLE MINES LTD COM 008474108   1,670,134 14,043 SH   SOLE   0 0 14,043
DEERE & CO COM 244199105   429,218 844 SH   SOLE   0 0 844
EAGLE MATLS INC COM 26969P108   538,623 2,665 SH   SOLE   0 0 2,665
INGREDION INC COM 457187102   821,179 6,055 SH   SOLE   75 0 5,980
MCDONALDS CORP COM 580135101   348,972 1,194 SH   SOLE   0 0 1,194
MICROSOFT CORP COM 594918104   2,876,522 5,783 SH   SOLE   11 0 5,772
MICROSOFT CORP COM 594918104   49,741 100 SH   OTR   0 0 100
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   301,494 1,564 SH   SOLE   5 0 1,559
INVESCO QQQ TR UNIT SER 1 46090E103   1,134,723 2,057 SH   SOLE   0 0 2,057
INVESCO QQQ TR UNIT SER 1 46090E103   55,164 100 SH   OTR   0 0 100
ABBOTT LABS COM 002824100   494,322 3,634 SH   SOLE   33 0 3,601
CISCO SYS INC COM 17275R102   508,694 7,332 SH   SOLE   0 0 7,332
CONOCOPHILLIPS COM 20825C104   1,143,107 12,738 SH   SOLE   150 0 12,588
JOHNSON & JOHNSON COM 478160104   413,647 2,708 SH   SOLE   0 0 2,708
JOHNSON & JOHNSON COM 478160104   15,275 100 SH   OTR   0 0 100
KIMBELL RTY PARTNERS LP UNIT 49435R102   177,850 12,740 SH   SOLE   0 0 12,740
MOTOROLA SOLUTIONS INC COM NEW 620076307   309,907 737 SH   SOLE   0 0 737
NOVARTIS AG SPONSORED ADR 66987V109   895,312 7,399 SH   SOLE   0 0 7,399
OLD REP INTL CORP COM 680223104   803,242 20,896 SH   SOLE   0 0 20,896
ROYAL BK CDA COM 780087102   603,157 4,585 SH   SOLE   0 0 4,585
ISHARES TR CORE DIV GRWTH 46434V621   1,820,289 28,469 SH   SOLE   1,044 0 27,425
ISHARES TR CORE S&P500 ETF 464287200   4,717,107 7,597 SH   SOLE   243 0 7,354
J P MORGAN EXCHANGE TRADED F SMALL & MID CAP 46641Q118   1,662,060 28,071 SH   SOLE   734 0 27,337
WISDOMTREE TR GLB US QTLY DIV 97717W844   990,147 24,588 SH   SOLE   1,919 0 22,669
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   1,355,533 19,873 SH   SOLE   0 0 19,873
COLUMBIA ETF TR I RESH ENHNC VLU 19761L805   1,303,203 49,588 SH   SOLE   23 0 49,565
VANGUARD INDEX FDS GROWTH ETF 922908736   1,298,430 2,962 SH   SOLE   0 0 2,962
WISDOMTREE TR US QTLY DIV GRT 97717X669   1,320,718 15,772 SH   SOLE   7 0 15,765
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   670,681 13,215 SH   SOLE   967 0 12,249
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,797,927 17,884 SH   SOLE   484 0 17,399
PIMCO ETF TR MULTISECTOR BD 72201R585   794,884 29,950 SH   SOLE   1,864 0 28,087
SPDR GOLD TR GOLD SHS 78463V107   213,991 702 SH   SOLE   10 0 692
ISHARES TR CORE S&P MCP ETF 464287507   1,027,485 16,567 SH   SOLE   0 0 16,567
AFLAC INC COM 001055102   838,512 7,951 SH   SOLE   0 0 7,951
ALPHABET INC CAP STK CL A 02079K305   409,611 2,324 SH   SOLE   30 0 2,294
ALPHABET INC CAP STK CL A 02079K305   105,738 600 SH   OTR   0 0 600
AMERICAN EXPRESS CO COM 025816109   392,913 1,232 SH   SOLE   40 0 1,192
S&P GLOBAL INC COM 78409V104   248,881 472 SH   SOLE   5 0 467
SUNCOR ENERGY INC NEW COM 867224107   424,870 11,345 SH   SOLE   200 0 11,145
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   692,076 3,056 SH   SOLE   18 0 3,038
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   22,649 100 SH   OTR   0 0 100
BANK NOVA SCOTIA HALIFAX COM 064149107   485,326 8,781 SH   SOLE   200 0 8,581
CIVITAS RESOURCES INC COM NEW 17888H103   255,523 9,285 SH   SOLE   100 0 9,185
D R HORTON INC COM 23331A109   230,279 1,786 SH   SOLE   0 0 1,786
DOLLAR GEN CORP NEW COM 256677105   307,797 2,691 SH   SOLE   0 0 2,691
AMAZON COM INC COM 023135106   1,141,513 5,203 SH   SOLE   20 0 5,183
AMAZON COM INC COM 023135106   92,144 420 SH   OTR   0 0 420
APPLE INC COM 037833100   6,003,443 29,261 SH   SOLE   0 0 29,261
APPLE INC COM 037833100   162,084 790 SH   OTR   0 0 790
ELI LILLY & CO COM 532457108   332,120 426 SH   SOLE   0 0 426
ELI LILLY & CO COM 532457108   15,591 20 SH   OTR   0 0 20
VISA INC COM CL A 92826C839   539,016 1,518 SH   SOLE   0 0 1,518
VISA INC COM CL A 92826C839   106,515 300 SH   OTR   0 0 300
CHEVRON CORP NEW COM 166764100   644,442 4,501 SH   SOLE   0 0 4,501
CHEVRON CORP NEW COM 166764100   14,319 100 SH   OTR   0 0 100
CANADIAN NAT RES LTD COM 136385101   298,614 9,510 SH   SOLE   0 0 9,510
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   235,454 12,987 SH   SOLE   0 0 12,987
LADDER CAP CORP CL A 505743104   474,482 44,138 SH   SOLE   0 0 44,138
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   742,956 25,435 SH   SOLE   0 0 25,435
TEXAS INSTRS INC COM 882508104   1,129,757 5,441 SH   SOLE   0 0 5,441
BLACK HILLS CORP COM 092113109   260,809 4,649 SH   SOLE   100 0 4,549
JPMORGAN CHASE & CO. COM 46625H100   905,389 3,123 SH   SOLE   0 0 3,123
ROCKWELL AUTOMATION INC COM 773903109   228,201 687 SH   SOLE   0 0 687
VANGUARD INDEX FDS TOTAL STK MKT 922908769   852,607 2,805 SH   SOLE   0 0 2,805
BROADCOM INC COM 11135F101   428,648 1,555 SH   SOLE   0 0 1,555
BROADCOM INC COM 11135F101   27,565 100 SH   OTR   0 0 100
HOME DEPOT INC COM 437076102   319,814 872 SH   SOLE   0 0 872
HOME DEPOT INC COM 437076102   54,996 150 SH   OTR   0 0 150
WALMART INC COM 931142103   765,422 7,828 SH   SOLE   0 0 7,828
WALMART INC COM 931142103   19,556 200 SH   OTR   0 0 200
NUTRIEN LTD COM 67077M108   314,787 5,405 SH   SOLE   0 0 5,405
VALERO ENERGY CORP COM 91913Y100   539,562 4,014 SH   SOLE   0 0 4,014
ELEVANCE HEALTH INC COM 036752103   639,450 1,644 SH   SOLE   0 0 1,644
ISHARES TR RUS 1000 ETF 464287622   476,756 1,404 SH   SOLE   90 0 1,314
ORACLE CORP COM 68389X105   192,613 881 SH   SOLE   0 0 881
ORACLE CORP COM 68389X105   21,863 100 SH   OTR   0 0 100
ALCON AG ORD SHS H01301128   439,398 4,977 SH   SOLE   0 0 4,977
CAPITAL ONE FINL CORP COM 14040H105   340,416 1,600 SH   SOLE   0 0 1,600
GATX CORP COM 361448103   404,323 2,633 SH   SOLE   0 0 2,633
THERMO FISHER SCIENTIFIC INC COM 883556102   324,503 800 SH   SOLE   0 0 800
ISHARES TR MSCI ACWI ETF 464288257   375,898 2,923 SH   SOLE   226 0 2,697
MERCADOLIBRE INC COM 58733R102   292,727 112 SH   SOLE   2 0 110
COSTCO WHSL CORP NEW COM 22160K105   776,113 784 SH   SOLE   0 0 784
AT&T INC COM 00206R102   230,420 7,962 SH   SOLE   0 0 7,962
PROCTER AND GAMBLE CO COM 742718109   590,599 3,707 SH   SOLE   0 0 3,707
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   352,669 726 SH   SOLE   0 0 726
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   53,435 110 SH   OTR   0 0 110
NVIDIA CORPORATION COM 67066G104   689,152 4,362 SH   SOLE   0 0 4,362
NVIDIA CORPORATION COM 67066G104   78,995 500 SH   OTR   0 0 500
TJX COS INC NEW COM 872540109   242,287 1,962 SH   SOLE   100 0 1,862
TRAVELERS COMPANIES INC COM 89417E109   295,364 1,104 SH   SOLE   0 0 1,104
NOVA LTD COM M7516K103   229,792 835 SH   SOLE   0 0 835
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   244,901 10,277 SH   SOLE   0 0 10,277
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   583,973 20,819 SH   SOLE   0 0 20,819
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   404,952 16,006 SH   SOLE   0 0 16,006
PROGRESSIVE CORP COM 743315103   410,964 1,540 SH   SOLE   0 0 1,540
PROGRESSIVE CORP COM 743315103   53,372 200 SH   OTR   0 0 200
EXXON MOBIL CORP COM 30231G102   591,209 5,484 SH   SOLE   0 0 5,484
EXXON MOBIL CORP COM 30231G102   10,780 100 SH   OTR   0 0 100
ISHARES TR RUS MD CP GR ETF 464287481   721,136 5,200 SH   SOLE   0 0 5,200
ISHARES TR RUS MDCP VAL ETF 464287473   271,812 2,057 SH   SOLE   0 0 2,057
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   368,212 650 SH   SOLE   0 0 650
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   410,992 1,623 SH   SOLE   0 0 1,623
3M CO COM 88579Y101   245,106 1,610 SH   SOLE   0 0 1,610
PEPSICO INC COM 713448108   372,881 2,824 SH   SOLE   0 0 2,824
AMBEV SA SPONSORED ADR 02319V103   24,100 10,000 SH   SOLE   0 0 10,000
CANADIAN NATL RY CO COM 136375102   333,240 3,203 SH   SOLE   0 0 3,203
ELLSWORTH GROWTH & INCOME FD COM 289074106   192,413 18,772 SH   SOLE   0 0 18,772
PHILLIPS 66 COM 718546104   302,068 2,532 SH   SOLE   0 0 2,532
SPDR S&P 500 ETF TR TR UNIT 78462F103   612,907 992 SH   SOLE   0 0 992
ARK ETF TR INNOVATION ETF 00214Q104   383,432 5,455 SH   SOLE   0 0 5,455
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   538,734 10,580 SH   SOLE   0 0 10,580
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   266,723 5,440 SH   SOLE   0 0 5,440
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   272,154 3,233 SH   SOLE   0 0 3,233