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
Abbvie Inc Common Stock 00287Y109   2,639,913 13,368 SH   SOLE   0 0 13,368
Alphabet Inc. Class A Common Stock 02079K305   2,078,432 12,532 SH   SOLE   0 0 12,532
Alphabet Inc. Class C Common Stock 02079K107   7,932,831 47,448 SH   SOLE   0 0 47,448
Altria Group Inc Common Stock 02209S103   3,333,037 64,023 SH   SOLE   0 0 64,023
Amazon.com Inc Common Stock 023135106   3,044,260 16,338 SH   SOLE   0 0 16,338
Apple Inc Common Stock 037833100   13,817,366 59,302 SH   SOLE   0 0 59,302
Applied Energetics Common Stock 03819M106   68,604 74,570 SH   SOLE   0 0 74,570
Arch Cap Group LTD F Common Stock G0450A105   3,834,799 34,276 SH   SOLE   0 0 34,276
AT&T Common Stock 00206R102   466,092 21,186 SH   SOLE   0 0 21,186
Baker Hughes Co. Class A Common Stock 05722G100   1,565,946 43,318 SH   SOLE   0 0 43,318
Bank Of America Corp Common Stock 060505104   1,602,159 40,377 SH   SOLE   0 0 40,377
Berkshire Hathaway Class B Common Stock 084670702   7,684,041 16,695 SH   SOLE   0 0 16,695
Booking Holdings Inc Common Stock 09857L108   2,961,120 703 SH   SOLE   0 0 703
Bristol-Myers Squibb Common Stock 110122108   2,601,413 50,279 SH   SOLE   0 0 50,279
Broadcom Inc Common Stock 11135F101   4,870,193 28,233 SH   SOLE   0 0 28,233
Charles Schwab Corp Common Stock 808513105   1,908,136 29,442 SH   SOLE   0 0 29,442
Check PT Software F Common Stock M22465104   3,721,426 19,301 SH   SOLE   0 0 19,301
Chipotle Mexican GRL Common Stock 169656105   1,642,228 28,501 SH   SOLE   0 0 28,501
CIGNA Corp Common Stock 125523100   3,019,571 8,716 SH   SOLE   0 0 8,716
Cisco Systems Common Stock 17275R102   2,665,524 50,085 SH   SOLE   0 0 50,085
Comcast Corp Class A Common Stock 20030N101   1,359,070 32,537 SH   SOLE   0 0 32,537
CRH Public Limited Co F Common Stock G25508105   1,922,222 20,727 SH   SOLE   0 0 20,727
Dominion Energy Inc Common Stock 25746U109   1,599,396 27,676 SH   SOLE   0 0 27,676
Dropbox Inc Class A Common Stock 26210C104   3,072,707 120,830 SH   SOLE   0 0 120,830
Eli Lilly & Co. Common Stock 532457108   4,498,803 5,078 SH   SOLE   0 0 5,078
EOG Resources Inc. Common Stock 26875P101   1,340,798 10,907 SH   SOLE   0 0 10,907
Expeditors International of Washington Common Stock 302130109   1,632,251 12,422 SH   SOLE   0 0 12,422
ExxonMobil Common Stock 30231G102   1,577,413 13,457 SH   SOLE   0 0 13,457
iShares Core MSCI EAFE ETF ETF 46432F842   2,688,354 34,444 SH   SOLE   0 0 34,444
iShares Russell 2000 ETF ETF 464287655   2,808,175 12,713 SH   SOLE   0 0 12,713
iShares S&P Small Cap 600 Value ETF ETF 464287879   1,112,020 10,329 SH   SOLE   0 0 10,329
Johnson & Johnson Common Stock 478160104   2,521,596 15,560 SH   SOLE   0 0 15,560
JPMorgan Active Growth ETF ETF 46654Q609   1,013,278 13,180 SH   SOLE   0 0 13,180
JPMorgan Active Value ETF ETF 46641Q167   1,424,789 22,238 SH   SOLE   0 0 22,238
JPMorgan Activebld Emrg MRKT Eqy ETF ETF 46641Q266   517,847 12,758 SH   SOLE   0 0 12,758
JPMorgan Betabuild Interl Eqy ETF ETF 46641Q373   1,668,127 26,474 SH   SOLE   0 0 26,474
JPMorgan Betabuilders US Eqy ETF ETF 46641Q399   3,383,234 32,663 SH   SOLE   0 0 32,663
JPMorgan Chase Common Stock 46625H100   3,660,740 17,361 SH   SOLE   0 0 17,361
JPMorgan Global Select Equity ETF ETF 46654Q740   1,642,393 26,207 SH   SOLE   0 0 26,207
JPMorgan U.S. Quality Factor ETF ETF 46641Q761   845,382 14,944 SH   SOLE   0 0 14,944
Marathon Pete Corp Common Stock 56585A102   1,706,118 10,473 SH   SOLE   0 0 10,473
McKesson Corp Common Stock 58155Q103   4,039,365 8,158 SH   SOLE   0 0 8,158
Merck & Co. Inc. Common Stock 58933Y105   4,019,987 35,162 SH   SOLE   0 0 35,162
Meta Platforms Inc Class A Common Stock 30303M102   5,836,026 10,195 SH   SOLE   0 0 10,195
Microsoft Common Stock 594918104   6,957,207 16,168 SH   SOLE   0 0 16,168
Mondelez Intl Class A Common Stock 609207105   868,402 11,713 SH   SOLE   0 0 11,713
Nintendo LTD F Sponsored ADR Common Stock 654445303   430,915 32,351 SH   SOLE   0 0 32,351
Nvidia Corp Common Stock 67066G104   19,405,222 159,780 SH   SOLE   0 0 159,780
NVR Inc. Common Stock 62944T105   4,228,886 431 SH   SOLE   0 0 431
Oracle Corp Common Stock 68389X105   1,721,381 10,102 SH   SOLE   0 0 10,102
Pepsico Inc Common Stock 713448108   2,161,846 12,713 SH   SOLE   0 0 12,713
Pfizer Common Stock 717081103   645,912 22,319 SH   SOLE   0 0 22,319
Philip Morris Intl Common Stock 718172109   4,246,659 34,596 SH   SOLE   0 0 34,596
Procter & Gamble Common Stock 742718109   3,153,957 18,210 SH   SOLE   0 0 18,210
Progressive Co. Common Stock 743315103   3,563,056 14,041 SH   SOLE   0 0 14,041
Pultegroup Inc Common Stock 745867101   3,738,403 26,010 SH   SOLE   0 0 26,010
Qualcomm Inc Common Stock 747525103   2,050,463 12,058 SH   SOLE   0 0 12,058
Raytheon Technologies Co Common Stock 75513E101   2,038,759 16,827 SH   SOLE   0 0 16,827
Vanguard FTSE All World Ex US ETF ETF 922042775   3,724,182 59,114 SH   SOLE   0 0 59,114
Vanguard FTSE Developed Markets ETF ETF 921943858   1,242,725 23,532 SH   SOLE   0 0 23,532
Vanguard Russell 1000 Growth ETF ETF 92206C680   1,299,159 13,460 SH   SOLE   0 0 13,460
Vanguard S&P 500 ETF ETF 922908363   46,615,187 88,068 SH   SOLE   0 0 88,068
Vanguard Small Cap ETF ETF 922908751   21,707,785 91,242 SH   SOLE   0 0 91,242
Vanguard Small Cap Value ETF ETF 922908611   3,384,548 16,857 SH   SOLE   0 0 16,857
Verizon Common Stock 92343V104   1,502,690 33,460 SH   SOLE   0 0 33,460
Vertex Pharmaceutical Common Stock 92532F100   3,272,768 7,037 SH   SOLE   0 0 7,037
Vistra Energy Corp Common Stock 92840M102   6,070,315 51,209 SH   SOLE   0 0 51,209
Wal-Mart Common Stock 931142103   2,635,115 32,633 SH   SOLE   0 0 32,633
Wells Fargo & Co Common Stock 949746101   2,676,166 47,374 SH   SOLE   0 0 47,374
Williams Cos Inc Common Stock 969457100   3,045,051 66,704 SH   SOLE   0 0 66,704