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
Estimated average burden
hours per response: 23.8
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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   280,588 1,052 SH   SOLE   0 0 1,052
AT&T INC COM 00206R102   231,621 12,581 SH   SOLE   0 0 12,581
ALPHABET INC CAP STK CL C 02079K107   1,935,467 21,813 SH   SOLE   0 0 21,813
ALPHABET INC CAP STK CL A 02079K305   838,361 9,502 SH   SOLE   0 0 9,502
AMAZON COM INC COM 023135106   745,164 8,871 SH   SOLE   0 0 8,871
U HAUL HOLDING COMPANY COM SER N 023586506   11,381 207 SH   SOLE   0 0 207
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505   694,706 14,198 SH   SOLE   0 0 14,198
AMERICAN EXPRESS CO COM 025816109   343,476 2,325 SH   SOLE   0 0 2,325
AMGEN INC COM 031162100   1,519,596 5,786 SH   SOLE   0 0 5,786
APPLE INC COM 037833100   4,646,661 35,763 SH   SOLE   0 0 35,763
BANK AMERICA CORP COM 060505104   509,484 15,383 SH   SOLE   0 0 15,383
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,171,721 7,031 SH   SOLE   0 0 7,031
BLACKROCK INC COM 09247X101   207,629 293 SH   SOLE   0 0 293
BLACKSTONE INC COM 09260D107   1,044,183 14,074 SH   SOLE   0 0 14,074
BOEING CO COM 097023105   505,442 2,653 SH   SOLE   0 0 2,653
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   585,944 24,839 SH   SOLE   0 0 24,839
CAPITAL GROUP FIXED INCOME E CORE PLUS INCM 14020Y102   406,338 18,238 SH   SOLE   0 0 18,238
CHEVRON CORP NEW COM 166764100   1,811,627 10,093 SH   SOLE   0 0 10,093
CISCO SYS INC COM 17275R102   1,682,165 35,310 SH   SOLE   0 0 35,310
COCA COLA CO COM 191216100   561,481 8,827 SH   SOLE   0 0 8,827
CONOCOPHILLIPS COM 20825C104   95,838 812 SH   SOLE   0 0 812
COSTCO WHSL CORP NEW COM 22160K105   406,869 891 SH   SOLE   0 0 891
CREDIT ACCEP CORP MICH COM 225310101   9,962 21 SH   SOLE   0 0 21
D R HORTON INC COM 23331A109   26,296 295 SH   SOLE   0 0 295
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,678,276 67,024 SH   SOLE   0 0 67,024
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2,445,253 111,401 SH   SOLE   0 0 111,401
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   233,154 5,603 SH   SOLE   0 0 5,603
DISNEY WALT CO COM 254687106   244,924 2,819 SH   SOLE   0 0 2,819
DOMINOS PIZZA INC COM 25754A201   231,416 668 SH   SOLE   0 0 668
EBAY INC. COM 278642103   117,285 2,828 SH   SOLE   0 0 2,828
EXXON MOBIL CORP COM 30231G102   826,790 7,496 SH   SOLE   0 0 7,496
META PLATFORMS INC CL A 30303M102   424,921 3,531 SH   SOLE   0 0 3,531
FEDEX CORP COM 31428X106   312,969 1,807 SH   SOLE   0 0 1,807
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   403,175 4,266 SH   SOLE   0 0 4,266
HOME DEPOT INC COM 437076102   334,789 1,060 SH   SOLE   0 0 1,060
INTEL CORP COM 458140100   540,365 20,445 SH   SOLE   0 0 20,445
INVESCO QQQ TR UNIT SER 1 46090E103   270,005 1,014 SH   SOLE   0 0 1,014
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   309,364 2,190 SH   SOLE   0 0 2,190
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498   979,051 20,765 SH   SOLE   0 0 20,765
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,165,468 18,239 SH   SOLE   0 0 18,239
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102   498,707 11,168 SH   SOLE   0 0 11,168
ISHARES INC MSCI FRONTIER 464286145   303,430 11,913 SH   SOLE   0 0 11,913
ISHARES TR CORE S&P500 ETF 464287200   376,142 979 SH   SOLE   0 0 979
ISHARES TR INTL SEL DIV ETF 464288448   379,663 13,979 SH   SOLE   0 0 13,979
ISHARES TR PFD AND INCM SEC 464288687   553,792 18,139 SH   SOLE   0 0 18,139
ISHARES TR EAFE VALUE ETF 464288877   1,476,850 32,189 SH   SOLE   0 0 32,189
ISHARES TR MSCI USA MIN VOL 46429B697   1,816,071 25,188 SH   SOLE   0 0 25,188
ISHARES TR 0-5 YR TIPS ETF 46429B747   591,262 6,098 SH   SOLE   0 0 6,098
ISHARES TR MSCI USA QLT FCT 46432F339   1,637,030 14,399 SH   SOLE   0 0 14,399
ISHARES TR MSCI INTL MOMENT 46434V449   905,034 29,356 SH   SOLE   0 0 29,356
ISHARES TR ROBOTICS ARTIF 46435U556   307,723 12,053 SH   SOLE   0 0 12,053
JPMORGAN CHASE & CO COM 46625H100   1,435,361 10,704 SH   SOLE   0 0 10,704
J P MORGAN EXCHANGE TRADED F US AGGREGATE ETF 46641Q241   2,819,816 61,581 SH   SOLE   0 0 61,581
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   1,220,620 26,709 SH   SOLE   0 0 26,709
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   404,926 8,215 SH   SOLE   0 0 8,215
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   5,178,606 103,304 SH   SOLE   0 0 103,304
JOHNSON & JOHNSON COM 478160104   1,751,545 9,915 SH   SOLE   0 0 9,915
KEYSIGHT TECHNOLOGIES INC COM 49338L103   251,815 1,472 SH   SOLE   0 0 1,472
KIMBERLY-CLARK CORP COM 494368103   302,154 2,226 SH   SOLE   0 0 2,226
LENNAR CORP CL A 526057104   29,413 325 SH   SOLE   0 0 325
LILLY ELI & CO COM 532457108   201,088 550 SH   SOLE   0 0 550
LOCKHEED MARTIN CORP COM 539830109   219,966 452 SH   SOLE   0 0 452
MACERICH CO COM 554382101   37,771 3,354 SH   SOLE   0 0 3,354
MARVELL TECHNOLOGY INC COM 573874104   203,542 5,495 SH   SOLE   0 0 5,495
MASTERCARD INCORPORATED CL A 57636Q104   280,795 808 SH   SOLE   0 0 808
MCDONALDS CORP COM 580135101   346,579 1,315 SH   SOLE   0 0 1,315
MCKESSON CORP COM 58155Q103   369,317 985 SH   SOLE   0 0 985
MERCK & CO INC COM 58933Y105   1,186,687 10,696 SH   SOLE   0 0 10,696
MICROSOFT CORP COM 594918104   1,116,669 13,958 SH   SOLE   0 0 13,958
NVR INC COM 62944T105   221,404 48 SH   SOLE   0 0 48
NVIDIA CORPORATION COM 67066G104   368,907 2,524 SH   SOLE   0 0 2,524
OCCIDENTAL PETE CORP COM 674599105   61,899 983 SH   SOLE   0 0 983
ORACLE CORP COM 68389X105   400,340 4,898 SH   SOLE   0 0 4,898
OVINTIV INC COM 69047Q102   761 15 SH   SOLE   0 0 15
PACCAR INC COM 693718108   1,549,969 15,661 SH   SOLE   0 0 15,661
PACER FDS TR PACER US SMALL 69374H857   705,931 19,636 SH   SOLE   0 0 19,636
PACER FDS TR US CASH COWS 100 69374H881   1,362,302 29,455 SH   SOLE   0 0 29,455
PAYPAL HLDGS INC COM 70450Y103   245,139 3,442 SH   SOLE   0 0 3,442
PFIZER INC COM 717081103   683,786 13,345 SH   SOLE   0 0 13,345
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   200,917 2,037 SH   SOLE   0 0 2,037
PROCTER AND GAMBLE CO COM 742718109   246,865 1,629 SH   SOLE   0 0 1,629
QUALCOMM INC COM 747525103   1,023,286 9,308 SH   SOLE   0 0 9,308
SPDR GOLD TR GOLD SHS 78463V107   597,030 3,327 SH   SOLE   0 0 3,327
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   251,652 8,476 SH   SOLE   0 0 8,476
SCHWAB CHARLES CORP COM 808513105   920,891 11,060 SH   SOLE   0 0 11,060
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   357,020 7,614 SH   SOLE   0 0 7,614
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   297,878 3,943 SH   SOLE   0 0 3,943
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   764,541 5,628 SH   SOLE   0 0 5,628
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   439,058 5,889 SH   SOLE   0 0 5,889
SELECT SECTOR SPDR TR ENERGY 81369Y506   302,018 3,453 SH   SOLE   0 0 3,453
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   371,762 10,870 SH   SOLE   0 0 10,870
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   516,305 4,149 SH   SOLE   0 0 4,149
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   325,124 4,612 SH   SOLE   0 0 4,612
SIMON PPTY GROUP INC NEW COM 828806109   44,474 379 SH   SOLE   0 0 379
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   261,385 3,509 SH   SOLE   0 0 3,509
TARGET CORP COM 87612E106   207,298 1,391 SH   SOLE   0 0 1,391
3M CO COM 88579Y101   316,103 2,636 SH   SOLE   0 0 2,636
TOYOTA MOTOR CORP ADS 892331307   455,904 3,338 SH   SOLE   0 0 3,338
UNITED PARCEL SERVICE INC CL B 911312106   287,116 1,652 SH   SOLE   0 0 1,652
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,571,006 37,432 SH   SOLE   0 0 37,432
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,535,077 32,864 SH   SOLE   0 0 32,864
VANGUARD WORLD FDS INF TECH ETF 92204A702   203,269 636 SH   SOLE   0 0 636
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,605,156 15,613 SH   SOLE   0 0 15,613
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   527,828 13,541 SH   SOLE   0 0 13,541
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,005,148 13,368 SH   SOLE   0 0 13,368
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   269,014 766 SH   SOLE   0 0 766
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   415,534 3,073 SH   SOLE   0 0 3,073
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   472,284 5,726 SH   SOLE   0 0 5,726
VANGUARD INDEX FDS SM CP VAL ETF 922908611   721,675 4,545 SH   SOLE   0 0 4,545
VANGUARD INDEX FDS MID CAP ETF 922908629   273,105 1,340 SH   SOLE   0 0 1,340
VANGUARD INDEX FDS VALUE ETF 922908744   5,201,087 37,053 SH   SOLE   0 0 37,053
VANGUARD INDEX FDS SMALL CP ETF 922908751   328,537 1,790 SH   SOLE   0 0 1,790
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,270,767 11,877 SH   SOLE   0 0 11,877
VERIZON COMMUNICATIONS INC COM 92343V104   321,629 8,163 SH   SOLE   0 0 8,163
VISA INC COM CL A 92826C839   1,571,270 7,563 SH   SOLE   0 0 7,563
WEC ENERGY GROUP INC COM 92939U106   286,624 3,057 SH   SOLE   0 0 3,057
WALMART INC COM 931142103   265,482 1,872 SH   SOLE   0 0 1,872
WARNER BROS DISCOVERY INC COM SER A 934423104   66,464 7,011 SH   SOLE   0 0 7,011
WEYERHAEUSER CO MTN BE COM NEW 962166104   482,746 15,572 SH   SOLE   0 0 15,572
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   16,010 60 SH   OTR 2 60 0 0
ALPHABET INC CAP STK CL A 02079K305   14,999 170 SH   OTR 2 170 0 0
U HAUL HOLDING COMPANY COM SER N 023586506   926,908 16,859 SH   OTR 1 16,859 0 0
AMERICAN EXPRESS CO COM 025816109   1,845,250 12,489 SH   OTR 1 12,489 0 0
AMGEN INC COM 031162100   2,071,179 7,886 SH   OTR 1 7,886 0 0
APPLE INC COM 037833100   12,993 100 SH   OTR 2 100 0 0
BANK AMERICA CORP COM 060505104   1,434,228 43,304 SH   OTR 1 43,304 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   406,512 1,316 SH   OTR 1 1,316 0 0
CHEVRON CORP NEW COM 166764100   1,107,094 6,168 SH   OTR 1 6,168 0 0
CONOCOPHILLIPS COM 20825C104   1,976,264 16,748 SH   OTR 1 16,748 0 0
CREDIT ACCEP CORP MICH COM 225310101   589,679 1,243 SH   OTR 1 1,243 0 0
D R HORTON INC COM 23331A109   1,830,401 20,534 SH   OTR 1 20,534 0 0
EBAY INC. COM 278642103   954,059 23,006 SH   OTR 1 23,006 0 0
HOME DEPOT INC COM 437076102   1,037,284 3,284 SH   OTR 1,2 3,284 0 0
JPMORGAN CHASE & CO COM 46625H100   1,285,349 9,585 SH   OTR 1 9,585 0 0
JOHNSON & JOHNSON COM 478160104   15,899 90 SH   OTR 2 90 0 0
LENNAR CORP CL A 526057104   1,912,808 21,136 SH   OTR 1 21,136 0 0
MACERICH CO COM 554382101   1,699,731 150,953 SH   OTR 1 150,953 0 0
MASTERCARD INCORPORATED CL A 57636Q104   10,432 30 SH   OTR 2 30 0 0
MERCK & CO INC COM 58933Y105   2,251,619 20,294 SH   OTR 1 20,294 0 0
MICROSOFT CORP COM 594918104   6,400 80 SH   OTR 2 80 0 0
NVR INC COM 62944T105   1,660,529 360 SH   OTR 1 360 0 0
OCCIDENTAL PETE CORP COM 674599105   3,022,008 47,976 SH   OTR 1 47,976 0 0
OVINTIV INC COM 69047Q102   1,440,722 28,411 SH   OTR 1 28,411 0 0
PFIZER INC COM 717081103   517,012 10,090 SH   OTR 1,2 10,090 0 0
PROCTER AND GAMBLE CO COM 742718109   9,094 60 SH   OTR 2 60 0 0
QUALCOMM INC COM 747525103   590,158 5,368 SH   OTR 1 5,368 0 0
SIMON PPTY GROUP INC NEW COM 828806109   1,998,335 17,010 SH   OTR 1 17,010 0 0
TARGET CORP COM 87612E106   1,336,591 8,968 SH   OTR 1 8,968 0 0
UNITED PARCEL SERVICE INC CL B 911312106   6,954 40 SH   OTR 2 40 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104   806,511 85,075 SH   OTR 1 85,075 0 0