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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
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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
VANGUARD INDEX FDS GROWTH ETF 922908736   488,359 1,272 SH   SOLE   10 0 1,262
VANGUARD INDEX FDS MID CAP ETF 922908629   4,473,959 16,958 SH   SOLE   90 0 16,868
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,997,277 14,117 SH   SOLE   50 0 14,067
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,690,282 35,406 SH   SOLE   0 0 35,406
HEALTHEQUITY INC COM 42226A107   534,726 6,533 SH   SOLE   0 0 6,533
INVESCO DB MULTI-SECTOR COMM OIL FD 46140H403   2,339,924 167,496 SH   SOLE   308 0 167,188
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115   2,927,643 61,137 SH   SOLE   453 0 60,684
SPDR GOLD TR GOLD SHS 78463V107   4,917,833 20,233 SH   SOLE   29 0 20,204
SPDR SER TR PORTFOLIO LN TSR 78464A664   1,064,340 36,613 SH   SOLE   119 0 36,494
SPDR SER TR PORTFLI INTRMDIT 78464A672   2,934,392 100,977 SH   SOLE   551 0 100,426
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   1,916,550 9,565 SH   SOLE   5 0 9,560
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   663,365 7,992 SH   SOLE   27 0 7,965
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,133,898 12,915 SH   SOLE   59 0 12,856
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,949,431 43,015 SH   SOLE   389 0 42,626
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,233,238 8,007 SH   SOLE   26 0 7,981
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,584,508 20,307 SH   SOLE   39 0 20,268
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   553,024 6,846 SH   SOLE   25 0 6,821
VANGUARD WORLD FD COMM SRVC ETF 92204A884   2,104,084 14,472 SH   SOLE   142 0 14,330
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,594,429 15,153 SH   SOLE   0 0 15,153
WISDOMTREE TR INDIA ERNGS FD 97717W422   1,988,528 39,408 SH   SOLE   179 0 39,229
ISHARES TR EAFE SML CP ETF 464288273   3,178,987 46,957 SH   SOLE   281 0 46,676
ISHARES TR EAFE VALUE ETF 464288877   2,776,455 48,261 SH   SOLE   207 0 48,054
ISHARES TR NATIONAL MUN ETF 464288414   1,783,226 16,416 SH   SOLE   0 0 16,416
ISHARES TR SHRT NAT MUN ETF 464288158   2,116,154 19,928 SH   SOLE   0 0 19,928
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   3,111,336 61,078 SH   SOLE   0 0 61,078
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827   1,887,066 76,710 SH   SOLE   0 0 76,710
PVH CORPORATION COM 693656100   250,058 2,480 SH   SOLE   0 0 2,480
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530   1,986,885 1,986,885 SH   SOLE   0 0 1,986,885
SELECT SECTOR SPDR TR INDL 81369Y704   657,019 4,851 SH   SOLE   74 0 4,777
UIPATH INC CL A 90364P105   499,200 39,000 SH   SOLE   0 0 39,000
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,745,777 89,865 SH   SOLE   1,252 0 88,613
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,126,653 23,546 SH   SOLE   335 0 23,211
VANGUARD INDEX FDS VALUE ETF 922908744   2,373,534 13,596 SH   SOLE   86 0 13,510
INVESCO QQQ TR UNIT SER 1 46090E103   417,788 856 SH   SOLE   0 0 856
ISHARES TR CORE S&P SCP ETF 464287804   2,770,432 23,687 SH   SOLE   60 0 23,627
META PLATFORMS INC CL A 30303M102   1,756,864 3,069 SH   SOLE   4 0 3,065
MICROSTRATEGY INC CL A NEW 594972408   263,016 1,560 SH   SOLE   0 0 1,560
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   327,591 1,654 SH   SOLE   60 0 1,594
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,773,376 17,682 SH   SOLE   75 0 17,607
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   295,487 22,002 SH   SOLE   100 0 21,902
ISHARES TR 20 YR TR BD ETF 464287432   455,428 4,642 SH   SOLE   56 0 4,586
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101   348,040 9,633 SH   SOLE   40 0 9,593
ISHARES GOLD TR ISHARES NEW 464285204   902,204 18,153 SH   SOLE   0 0 18,153
ISHARES TR IBOXX HI YD ETF 464288513   978,375 12,184 SH   SOLE   54 0 12,130
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   1,754,693 37,825 SH   SOLE   497 0 37,328
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   591,547 12,158 SH   SOLE   115 0 12,043
SPDR SER TR BLOOMBERG SHT TE 78468R408   431,776 16,768 SH   SOLE   180 0 16,588
SPDR SER TR PORTFOLIO S&P500 78464A854   1,708,411 25,306 SH   SOLE   81 0 25,225
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,355,907 17,231 SH   SOLE   50 0 17,181
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,029,344 53,646 SH   SOLE   350 0 53,296
ISHARES TR AGENCY BOND ETF 464288166   438,398 3,971 SH   SOLE   52 0 3,919
SPDR SER TR PORTFOLIO AGRGTE 78464A649   584,438 22,358 SH   SOLE   345 0 22,013
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   979,152 26,069 SH   SOLE   581 0 25,488
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   289,125 7,004 SH   SOLE   113 0 6,891
SPDR SER TR PORTFOLIO S&P400 78464A847   410,326 7,504 SH   SOLE   0 0 7,504
SPDR SER TR PRTFLO S&P500 VL 78464A508   365,527 6,915 SH   SOLE   49 0 6,866
SPDR SER TR PORTFOLIO S&P600 78468R853   467,304 10,268 SH   SOLE   0 0 10,268
SPDR SER TR PORTFOLIO SHORT 78464A474   443,027 14,631 SH   SOLE   313 0 14,318
ALPHABET INC CAP STK CL A 02079K305   1,593,021 9,605 SH   SOLE   22 0 9,583
AMAZON COM INC COM 023135106   1,220,461 6,550 SH   SOLE   31 0 6,519
APPLE INC COM 037833100   4,085,994 17,536 SH   SOLE   31 0 17,505
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,136,612 2,470 SH   SOLE   15 0 2,455
MICROSOFT CORP COM 594918104   1,090,646 2,535 SH   SOLE   17 0 2,518
NVIDIA CORPORATION COM 67066G104   3,669,433 30,216 SH   SOLE   25 0 30,191
QUALCOMM INC COM 747525103   688,932 4,051 SH   SOLE   34 0 4,017
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,197,746 4,165 SH   SOLE   24 0 4,141
WALMART INC COM 931142103   119,463,637 1,479,426 SH   SOLE   75 0 1,479,351
ABBVIE INC COM 00287Y109   475,532 2,408 SH   SOLE   23 0 2,385
ADOBE INC COM 00724F101   350,667 677 SH   SOLE   0 0 677
AMERICAN EXPRESS CO COM 025816109   225,910 833 SH   SOLE   0 0 833
BROADCOM INC COM 11135F101   382,950 2,220 SH   SOLE   0 0 2,220
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   527,548 16,600 SH   SOLE   0 0 16,600
EXXON MOBIL CORP COM 30231G102   250,968 2,141 SH   SOLE   0 0 2,141
GE AEROSPACE COM NEW 369604301   235,914 1,251 SH   SOLE   24 0 1,227
ISHARES TR CORE US AGGBD ET 464287226   1,706,805 16,854 SH   SOLE   162 0 16,692
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   3,477,992 68,545 SH   SOLE   226 0 68,319
SIMPLIFY EXCHANGE TRADED FUN ENHANCED INM ETF 82889N632   980,165 41,807 SH   SOLE   0 0 41,807
THE CIGNA GROUP COM 125523100   492,987 1,423 SH   SOLE   13 0 1,410
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   208,025 737 SH   SOLE   33 0 704
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,783,115 35,043 SH   SOLE   219 0 34,824
VISA INC COM CL A 92826C839   294,059 1,070 SH   SOLE   20 0 1,050
AMERIPRISE FINL INC COM 03076C106   278,597 593 SH   SOLE   0 0 593
COSTCO WHSL CORP NEW COM 22160K105   376,632 425 SH   SOLE   0 0 425
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   2,620,546 40,403 SH   SOLE   574 0 39,829
INTERNATIONAL BUSINESS MACHS COM 459200101   456,119 2,063 SH   SOLE   0 0 2,063
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472   264,144 2,575 SH   SOLE   0 0 2,575
INVESCO EXCH TRADED FD TR II S&P SMLCP DISC 46138E180   282,130 2,544 SH   SOLE   115 0 2,429
ISHARES TR GLOBAL TECH ETF 464287291   994,734 12,053 SH   SOLE   0 0 12,053
ISHARES TR INTERNATIONAL SL 46434V266   440,098 12,485 SH   SOLE   0 0 12,485
JPMORGAN CHASE & CO. COM 46625H100   881,817 4,182 SH   SOLE   0 0 4,182
NETAPP INC COM 64110D104   327,629 2,653 SH   SOLE   0 0 2,653
NOVARTIS AG SPONSORED ADR 66987V109   264,086 2,296 SH   SOLE   0 0 2,296
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   556,403 1,315 SH   SOLE   0 0 1,315
TESLA INC COM 88160R101   322,328 1,232 SH   SOLE   0 0 1,232
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   221,480 2,450 SH   SOLE   0 0 2,450
WISDOMTREE TR EMER MKT HIGH FD 97717W315   261,507 5,942 SH   SOLE   0 0 5,942
ISHARES TR 7-10 YR TRSY BD 464287440   1,298,618 13,235 SH   SOLE   0 0 13,235
CROWDSTRIKE HLDGS INC CL A 22788C105   292,811 1,044 SH   SOLE   0 0 1,044
VANGUARD INDEX FDS SM CP VAL ETF 922908611   476,730 2,374 SH   SOLE   0 0 2,374
ISHARES TR RUS MID CAP ETF 464287499   611,515 6,938 SH   SOLE   128 0 6,810
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   299,746 9,732 SH   SOLE   369 0 9,363
ISHARES TR BROAD USD HIGH 46435U853   370,664 9,845 SH   SOLE   140 0 9,705
ISHARES TR MBS ETF 464288588   550,237 5,743 SH   SOLE   128 0 5,615
VANGUARD WORLD FD INF TECH ETF 92204A702   525,605 896 SH   SOLE   44 0 852
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   386,841 4,619 SH   SOLE   125 0 4,494
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   630,020 3,758 SH   SOLE   17 0 3,741
SELECTIVE INS GROUP INC COM 816300107   288,077 3,088 SH   SOLE   0 0 3,088
SPROUTS FMRS MKT INC COM 85208M102   326,041 2,953 SH   SOLE   0 0 2,953
ALPHABET INC CAP STK CL C 02079K107   200,628 1,200 SH   SOLE   0 0 1,200
CONOCOPHILLIPS COM 20825C104   219,930 2,089 SH   SOLE   34 0 2,055
GENERAL DYNAMICS CORP COM 369550108   430,031 1,423 SH   SOLE   11 0 1,412
UNITEDHEALTH GROUP INC COM 91324P102   422,139 722 SH   SOLE   0 0 722
NORTHROP GRUMMAN CORP COM 666807102   580,349 1,099 SH   SOLE   0 0 1,099
ORACLE CORP COM 68389X105   1,475,664 8,660 SH   SOLE   0 0 8,660
SPDR SER TR S&P DIVID ETF 78464A763   312,488 2,200 SH   SOLE   0 0 2,200
HOME DEPOT INC COM 437076102   255,276 630 SH   SOLE   0 0 630
TJX COS INC NEW COM 872540109   310,893 2,645 SH   SOLE   0 0 2,645
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   903,782 17,030 SH   SOLE   0 0 17,030
ISHARES INC MSCI EMRG CHN 46434G764   244,440 4,000 SH   SOLE   0 0 4,000
ISHARES TR MSCI EAFE ETF 464287465   1,317,674 15,756 SH   SOLE   0 0 15,756
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   700,695 16,807 SH   SOLE   0 0 16,807
ISHARES TR DOW JONES US ETF 464287846   722,518 5,176 SH   SOLE   0 0 5,176
PAYPAL HLDGS INC COM 70450Y103   300,650 3,853 SH   SOLE   0 0 3,853
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   413,145 4,500 SH   SOLE   0 0 4,500
APPLIED MATLS INC COM 038222105   238,228 1,179 SH   SOLE   0 0 1,179
ISHARES TR CORE S&P500 ETF 464287200   1,862,967 3,230 SH   SOLE   94 0 3,136
AMGEN INC COM 031162100   230,702 716 SH   SOLE   0 0 716
LOWES COS INC COM 548661107   213,430 788 SH   SOLE   0 0 788
ISHARES TR RUSSELL 2000 ETF 464287655   1,184,633 5,363 SH   SOLE   0 0 5,363
EVERCORE INC CLASS A 29977A105   253,087 999 SH   SOLE   0 0 999
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,453,185 2,533 SH   SOLE   0 0 2,533
TARGET CORP COM 87612E106   403,210 2,587 SH   SOLE   0 0 2,587
TRAVELERS COMPANIES INC COM 89417E109   213,049 910 SH   SOLE   0 0 910
PROGRESSIVE CORP COM 743315103   203,008 800 SH   SOLE   0 0 800
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   610,884 11,950 SH   SOLE   0 0 11,950
WELLS FARGO CO NEW COM 949746101   225,963 4,000 SH   SOLE   0 0 4,000
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   372,042 9,770 SH   SOLE   0 0 9,770
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   232,811 2,564 SH   SOLE   0 0 2,564
ISHARES TR FLTG RATE NT ETF 46429B655   359,985 7,053 SH   SOLE   0 0 7,053
MURPHY USA INC COM 626755102   460,833 935 SH   SOLE   0 0 935
KLA CORP COM NEW 482480100   509,562 658 SH   SOLE   0 0 658
SPDR SER TR S&P 600 SMCP VAL 78464A300   282,165 3,250 SH   SOLE   0 0 3,250
ISHARES TR CORE S&P US VLU 464287663   1,226,558 12,845 SH   SOLE   0 0 12,845
EMCOR GROUP INC COM 29084Q100   465,833 1,082 SH   SOLE   0 0 1,082
TOPBUILD CORP COM 89055F103   204,219 502 SH   SOLE   0 0 502
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   207,923 854 SH   SOLE   0 0 854
SPDR SER TR S&P INS ETF 78464A789   377,388 6,650 SH   SOLE   0 0 6,650
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   236,080 4,000 SH   SOLE   0 0 4,000
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203   247,185 4,500 SH   SOLE   0 0 4,500