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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
GLOBE LIFE INC COM 37959E102   265,283 2,179 SH   SOLE   0 0 2,179
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,208,439 6,758 SH   SOLE   0 0 6,758
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   544,692 7,562 SH   SOLE   0 0 7,562
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307   949,628 34,153 SH   SOLE   0 0 34,153
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,160,440 13,841 SH   SOLE   0 0 13,841
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,364,233 36,283 SH   SOLE   0 0 36,283
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,096,632 8,041 SH   SOLE   0 0 8,041
HEALTHEQUITY INC COM 42226A107   293,444 4,426 SH   SOLE   0 0 4,426
INVESCO DB MULTI-SECTOR COMM OIL FD 46140H403   2,058,282 147,971 SH   SOLE   0 0 147,971
SPDR SER TR PORTFLI INTRMDIT 78464A672   2,445,907 85,641 SH   SOLE   0 0 85,641
SPDR GOLD TR GOLD SHS 78463V107   3,951,102 20,668 SH   SOLE   0 0 20,668
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,113,294 38,363 SH   SOLE   0 0 38,363
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,934,587 20,442 SH   SOLE   0 0 20,442
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   379,052 5,985 SH   SOLE   0 0 5,985
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   1,348,296 11,453 SH   SOLE   0 0 11,453
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,809,129 13,168 SH   SOLE   0 0 13,168
INVESCO QQQ TR UNIT SER 1 46090E103   431,225 1,053 SH   SOLE   0 0 1,053
ISHARES TR CORE S&P SCP ETF 464287804   1,575,579 14,555 SH   SOLE   0 0 14,555
META PLATFORMS INC CL A 30303M102   1,219,746 3,446 SH   SOLE   0 0 3,446
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   371,813 2,182 SH   SOLE   0 0 2,182
SELECT SECTOR SPDR TR INDL 81369Y704   549,660 4,822 SH   SOLE   0 0 4,822
ISHARES GOLD TR ISHARES NEW 464285204   751,445 19,253 SH   SOLE   0 0 19,253
SPDR SER TR PORTFOLIO S&P500 78464A854   1,407,061 25,171 SH   SOLE   254 0 24,917
SPDR SER TR PORTFOLIO S&P600 78468R853   484,170 11,479 SH   SOLE   105 0 11,374
ISHARES TR EAFE SML CP ETF 464288273   2,636,675 42,596 SH   SOLE   0 0 42,596
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   443,375 9,721 SH   SOLE   0 0 9,721
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   355,080 7,430 SH   SOLE   0 0 7,430
SIMPLIFY EXCHANGE TRADED FUN ENHANCED INM ETF 82889N632   1,199,383 48,835 SH   SOLE   0 0 48,835
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,020,487 83,935 SH   SOLE   0 0 83,935
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,094,731 26,636 SH   SOLE   0 0 26,636
VANGUARD INDEX FDS MID CAP ETF 922908629   2,943,569 12,653 SH   SOLE   0 0 12,653
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,008,633 40,906 SH   SOLE   0 0 40,906
ISHARES TR AGENCY BOND ETF 464288166   534,681 4,931 SH   SOLE   0 0 4,931
ISHARES TR IBOXX HI YD ETF 464288513   803,386 10,381 SH   SOLE   0 0 10,381
SPDR SER TR PORTFOLIO AGRGTE 78464A649   438,906 17,118 SH   SOLE   0 0 17,118
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   886,063 26,053 SH   SOLE   10 0 26,043
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   258,900 7,312 SH   SOLE   2 0 7,310
SPDR SER TR PORTFOLIO S&P400 78464A847   405,634 8,326 SH   SOLE   105 0 8,221
SPDR SER TR PRTFLO S&P500 VL 78464A508   319,975 6,862 SH   SOLE   2 0 6,860
SPDR SER TR PORTFOLIO SHORT 78464A474   367,545 12,342 SH   SOLE   0 0 12,342
ALPHABET INC CAP STK CL A 02079K305   1,344,237 9,623 SH   SOLE   0 0 9,623
AMAZON COM INC COM 023135106   991,409 6,525 SH   SOLE   0 0 6,525
APPLE INC COM 037833100   3,605,104 18,725 SH   SOLE   8 0 18,717
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   872,569 2,447 SH   SOLE   0 0 2,447
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115   2,333,322 48,359 SH   SOLE   0 0 48,359
ISHARES TR 7-10 YR TRSY BD 464287440   1,228,973 12,750 SH   SOLE   0 0 12,750
ISHARES TR CORE US AGGBD ET 464287226   1,505,523 15,169 SH   SOLE   0 0 15,169
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   3,987,652 79,388 SH   SOLE   0 0 79,388
MICROSOFT CORP COM 594918104   996,091 2,649 SH   SOLE   0 0 2,649
NVIDIA CORPORATION COM 67066G104   1,567,124 3,165 SH   SOLE   0 0 3,165
QUALCOMM INC COM 747525103   522,788 3,615 SH   SOLE   0 0 3,615
TESLA INC COM 88160R101   258,668 1,041 SH   SOLE   0 0 1,041
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   683,000 4,710 SH   SOLE   0 0 4,710
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,186,349 2,716 SH   SOLE   0 0 2,716
VANGUARD INDEX FDS SM CP VAL ETF 922908611   506,731 2,816 SH   SOLE   0 0 2,816
VANGUARD INDEX FDS VALUE ETF 922908744   1,982,150 13,259 SH   SOLE   0 0 13,259
WALMART INC COM 931142103   78,407,010 497,349 SH   SOLE   1,474 0 495,875
ABBVIE INC COM 00287Y109   290,569 1,875 SH   SOLE   0 0 1,875
ADOBE INC COM 00724F101   332,455 557 SH   SOLE   0 0 557
AKAMAI TECHNOLOGIES INC COM 00971T101   448,487 3,790 SH   SOLE   0 0 3,790
BROADCOM INC COM 11135F101   283,704 254 SH   SOLE   0 0 254
CISCO SYS INC COM 17275R102   280,171 5,546 SH   SOLE   0 0 5,546
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   381,571 13,323 SH   SOLE   0 0 13,323
EXXON MOBIL CORP COM 30231G102   293,541 2,936 SH   SOLE   0 0 2,936
GENERAL DYNAMICS CORP COM 369550108   439,362 1,692 SH   SOLE   0 0 1,692
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,390,322 13,939 SH   SOLE   0 0 13,939
ISHARES TR EAFE VALUE ETF 464288877   2,422,442 46,496 SH   SOLE   0 0 46,496
LOWES COS INC COM 548661107   244,137 1,097 SH   SOLE   0 0 1,097
MICROCHIP TECHNOLOGY INC. COM 595017104   201,637 2,236 SH   SOLE   0 0 2,236
MURPHY USA INC COM 626755102   342,298 960 SH   SOLE   0 0 960
PAYPAL HLDGS INC COM 70450Y103   322,894 5,258 SH   SOLE   0 0 5,258
SPDR SER TR BLOOMBERG SHT TE 78468R408   339,440 13,502 SH   SOLE   0 0 13,502
THE CIGNA GROUP COM 125523100   441,691 1,475 SH   SOLE   6 0 1,469
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   885,576 11,498 SH   SOLE   0 0 11,498
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,145,555 40,656 SH   SOLE   0 0 40,656
VISA INC COM CL A 92826C839   210,493 809 SH   SOLE   0 0 809
COSTCO WHSL CORP NEW COM 22160K105   261,288 396 SH   SOLE   0 0 396
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   2,078,055 34,855 SH   SOLE   4 0 34,851
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   243,268 8,354 SH   SOLE   0 0 8,354
INVESCO EXCH TRADED FD TR II S&P SMLCP DISC 46138E180   270,488 2,609 SH   SOLE   0 0 2,609
ISHARES TR GLOBAL TECH ETF 464287291   1,029,723 15,103 SH   SOLE   0 0 15,103
ISHARES TR INTERNATIONAL SL 46434V266   234,684 7,304 SH   SOLE   0 0 7,304
MARATHON PETE CORP COM 56585A102   212,600 1,433 SH   SOLE   7 0 1,426
SELECTIVE INS GROUP INC COM 816300107   369,333 3,713 SH   SOLE   0 0 3,713
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   510,659 1,355 SH   SOLE   0 0 1,355
VALERO ENERGY CORP COM 91913Y100   229,315 1,764 SH   SOLE   0 0 1,764
WISDOMTREE TR EMER MKT HIGH FD 97717W315   273,736 6,729 SH   SOLE   0 0 6,729
ISHARES TR RUS MID CAP ETF 464287499   443,527 5,706 SH   SOLE   2 0 5,704
INTERNATIONAL BUSINESS MACHS COM 459200101   298,672 1,826 SH   SOLE   0 0 1,826
INDEXIQ ACTIVE ETF TR IQ MACKAY INTRME 45409F827   2,017,899 82,162 SH   SOLE   0 0 82,162
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,716,341 53,535 SH   SOLE   0 0 53,535
ORACLE CORP COM 68389X105   1,017,400 9,650 SH   SOLE   0 0 9,650
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,383,629 14,264 SH   SOLE   0 0 14,264
WISDOMTREE TR INDIA ERNGS FD 97717W422   203,360 4,960 SH   SOLE   0 0 4,960
CONOCOPHILLIPS COM 20825C104   331,612 2,857 SH   SOLE   0 0 2,857
UNITEDHEALTH GROUP INC COM 91324P102   382,744 727 SH   SOLE   0 0 727
SCHWAB CHARLES CORP COM 808513105   262,816 3,820 SH   SOLE   0 0 3,820
ISHARES TR SHRT NAT MUN ETF 464288158   1,164,896 11,049 SH   SOLE   0 0 11,049
JPMORGAN CHASE & CO COM 46625H100   898,468 5,282 SH   SOLE   0 0 5,282
NORTHROP GRUMMAN CORP COM 666807102   514,486 1,099 SH   SOLE   0 0 1,099
SPDR SER TR S&P DIVID ETF 78464A763   274,934 2,200 SH   SOLE   0 0 2,200
HOME DEPOT INC COM 437076102   226,990 655 SH   SOLE   0 0 655
TJX COS INC NEW COM 872540109   248,127 2,645 SH   SOLE   0 0 2,645
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   879,259 17,030 SH   SOLE   0 0 17,030
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   201,058 2,200 SH   SOLE   0 0 2,200
ISHARES TR MSCI EAFE ETF 464287465   1,438,733 19,094 SH   SOLE   0 0 19,094
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   342,363 9,964 SH   SOLE   0 0 9,964
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   634,080 17,036 SH   SOLE   0 0 17,036
ISHARES TR DOW JONES US ETF 464287846   603,159 5,176 SH   SOLE   0 0 5,176
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   293,538 5,750 SH   SOLE   0 0 5,750
AMGEN INC COM 031162100   206,222 716 SH   SOLE   0 0 716
ISHARES TR CORE S&P500 ETF 464287200   1,466,190 3,070 SH   SOLE   0 0 3,070
ISHARES TR RUSSELL 2000 ETF 464287655   838,968 4,180 SH   SOLE   0 0 4,180
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,319,616 2,776 SH   SOLE   0 0 2,776
TARGET CORP COM 87612E106   435,093 3,055 SH   SOLE   0 0 3,055
ISHARES TR NATIONAL MUN ETF 464288414   933,025 8,606 SH   SOLE   0 0 8,606
VANGUARD WORLD FDS INF TECH ETF 92204A702   409,049 845 SH   SOLE   0 0 845
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   314,960 3,875 SH   SOLE   0 0 3,875
ISHARES TR 1 3 YR TREAS BD 464287457   744,103 9,070 SH   SOLE   0 0 9,070
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   220,670 2,757 SH   SOLE   0 0 2,757
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   325,779 6,930 SH   SOLE   0 0 6,930
KLA CORP COM NEW 482480100   382,495 658 SH   SOLE   0 0 658
SPDR SER TR S&P 600 SMCP VAL 78464A300   270,758 3,250 SH   SOLE   0 0 3,250
EMCOR GROUP INC COM 29084Q100   228,140 1,059 SH   SOLE   0 0 1,059
LKQ CORP COM 501889208   223,992 4,687 SH   SOLE   0 0 4,687
ISHARES TR CORE S&P US VLU 464287663   1,079,079 12,796 SH   SOLE   0 0 12,796
NOVO-NORDISK A S ADR 670100205   206,900 2,000 SH   SOLE   0 0 2,000
ISHARES TR BROAD USD HIGH 46435U853   549,648 15,121 SH   SOLE   0 0 15,121
ISHARES TR MBS ETF 464288588   469,553 4,991 SH   SOLE   0 0 4,991
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   218,400 2,100 SH   SOLE   0 0 2,100
SPDR SER TR S&P INS ETF 78464A789   298,452 6,600 SH   SOLE   0 0 6,600
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   317,782 5,448 SH   SOLE   0 0 5,448
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530   5,036,362 5,036,362 SH   SOLE   0 0 5,036,362
WELLS FARGO CO NEW COM 949746101   253,237 5,145 SH   SOLE   0 0 5,145
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200   247,672 5,035 SH   SOLE   0 0 5,035