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   284,924 997 SH   SOLE   0 0 997
AT&T INC COM 00206R102   239,652 12,449 SH   SOLE   0 0 12,499
ALPHABET INC CAP STK CL C 02079K107   2,272,400 21,850 SH   SOLE   0 0 21,850
ALPHABET INC CAP STK CL A 02079K305   1,013,131 9,767 SH   SOLE   0 0 9,767
AMAZON COM INC COM 023135106   919,797 8,905 SH   SOLE   0 0 0
U HAUL HOLDING COMPANY COM SER N 023586506   10,733 207 SH   SOLE   0 0 207
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505   682,016 13,546 SH   SOLE   0 0 13,546
AMERICAN EXPRESS CO COM 025816109   360,782 2,187 SH   SOLE   0 0 2,187
AMGEN INC COM 031162100   1,344,744 5,563 SH   SOLE   0 0 5,563
APPLE INC COM 037833100   5,658,501 34,315 SH   SOLE   0 0 34,315
BANK AMERICA CORP COM 060505104   443,074 15,492 SH   SOLE   0 0 15,492
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,150,737 6,966 SH   SOLE   0 0 6,966
BLACKSTONE INC COM 09260D107   1,239,472 14,111 SH   SOLE   0 0 14,111
BOEING CO COM 097023105   552,823 2,602 SH   SOLE   0 0 2,602
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   265,244 11,438 SH   SOLE   0 0 11,438
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   409,407 16,416 SH   SOLE   0 0 16,416
CAPITAL GROUP FIXED INCOME E CORE PLUS INCM 14020Y102   426,764 18,726 SH   SOLE   0 0 18,726
CAPITAL GROUP FIXED INCOME E US MULTI-SECTOR 14020Y300   238,373 9,054 SH   SOLE   0 0 9,054
CAPITAL GROUP FIXED INCOME E SHORT DURATION 14020Y409   374,511 14,677 SH   SOLE   0 0 14,677
CHEVRON CORP NEW COM 166764100   10,083 1,645,129 SH   SOLE   0 0 10,083
CISCO SYS INC COM 17275R102   1,859,056 35,563 SH   SOLE   0 0 35,563
COCA COLA CO COM 191216100   545,797 8,799 SH   SOLE   0 0 8,799
CONOCOPHILLIPS COM 20825C104   81,138 818 SH   SOLE   0 0 818
COSTCO WHSL CORP NEW COM 22160K105   442,801 891 SH   SOLE   0 0 891
CREDIT ACCEP CORP MICH COM 225310101   9,157 21 SH   SOLE   0 0 21
D R HORTON INC COM 23331A109   2,031,073 20,791 SH   SOLE   0 0 20,791
DEVON ENERGY CORP NEW COM 25179M103   48,313 955 SH   SOLE   0 0 955
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,781,765 66,114 SH   SOLE   0 0 66,114
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2,527,489 109,795 SH   SOLE   0 0 109,795
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   317,761 7,152 SH   SOLE   0 0 7,152
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   226,987 7,043 SH   SOLE   0 0 7,043
DISNEY WALT CO COM 254687106   289,487 2,891 SH   SOLE   0 0 2,891
DOMINOS PIZZA INC COM 25754A201   221,719 672 SH   SOLE   0 0 672
EBAY INC. COM 278642103   125,073 2,819 SH   SOLE   0 0 2,819
EXXON MOBIL CORP COM 30231G102   827,884 7,550 SH   SOLE   0 0 7,550
META PLATFORMS INC CL A 30303M102   748,360 3,531 SH   SOLE   0 0 3,531
FEDEX CORP COM 31428X106   415,505 1,818 SH   SOLE   0 0 1,818
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   485,796 4,263 SH   SOLE   0 0 4,263
HOME DEPOT INC COM 437076102   303,153 1,027 SH   SOLE   0 0 1,027
INTEL CORP COM 458140100   651,696 19,948 SH   SOLE   0 0 19,948
INVESCO QQQ TR UNIT SER 1 46090E103   325,641 1,015 SH   SOLE   0 0 1,015
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   317,144 2,193 SH   SOLE   0 0 2,193
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498   985,930 21,288 SH   SOLE   0 0 21,288
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,148,026 18,398 SH   SOLE   0 0 18,398
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102   477,304 11,270 SH   SOLE   0 0 11,270
ISHARES INC MSCI FRONTIER 464286145   302,915 11,837 SH   SOLE   0 0 11,838
ISHARES TR CORE S&P500 ETF 464287200   395,459 962 SH   SOLE   0 0 962
ISHARES TR INTL SEL DIV ETF 464288448   387,768 14,106 SH   SOLE   0 0 14,106
ISHARES TR PFD AND INCM SEC 464288687   567,777 18,186 SH   SOLE   0 0 18,186
ISHARES TR EAFE VALUE ETF 464288877   1,529,928 31,525 SH   SOLE   0 0 31,525
ISHARES TR MSCI USA MIN VOL 46429B697   1,845,196 25,367 SH   SOLE   0 0 25,367
ISHARES TR 0-5 YR TIPS ETF 46429B747   621,180 6,260 SH   SOLE   0 0 6,260
ISHARES TR MSCI USA QLT FCT 46432F339   1,784,802 14,386 SH   SOLE   0 0 14,386
ISHARES TR MSCI INTL MOMENT 46434V449   931,063 28,809 SH   SOLE   0 0 28,809
ISHARES TR ROBOTICS ARTIF 46435U556   399,510 12,731 SH   SOLE   0 0 12,731
JPMORGAN CHASE & CO COM 46625H100   1,378,395 10,578 SH   SOLE   0 0 10,578
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   233,824 4,980 SH   SOLE   0 0 4,980
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   1,055,355 22,803 SH   SOLE   0 0 22,803
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   413,081 8,183 SH   SOLE   0 0 8,183
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   6,154,883 122,315 SH   SOLE   0 0 122,315
JOHNSON & JOHNSON COM 478160104   1,584,388 10,222 SH   SOLE   0 0 10,222
KEYSIGHT TECHNOLOGIES INC COM 49338L103   238,667 1,478 SH   SOLE   0 0 1,478
KIMBERLY-CLARK CORP COM 494368103   300,613 2,240 SH   SOLE   0 0 2,240
LENNAR CORP CL A 526057104   34,161 325 SH   SOLE   0 0 325
LOCKHEED MARTIN CORP COM 539830109   214,308 453 SH   SOLE   0 0 453
MACERICH CO COM 554382101   35,782 3,376 SH   SOLE   0 0 3,376
MARKEL CORP COM 570535104   345,271 270 SH   SOLE   0 0 270
MARVELL TECHNOLOGY INC COM 573874104   240,589 5,556 SH   SOLE   0 0 5,556
MASTERCARD INCORPORATED CL A 57636Q104   328,527 904 SH   SOLE   0 0 904
MCDONALDS CORP COM 580135101   359,950 1,287 SH   SOLE   0 0 1,287
MCKESSON CORP COM 58155Q103   333,166 936 SH   SOLE   0 0 936
MERCK & CO INC COM 58933Y105   1,141,762 10,732 SH   SOLE   0 0 10,732
MICROSOFT CORP COM 594918104   4,054,893 14,065 SH   SOLE   0 0 14,065
NVR INC COM 62944T105   267,465 48 SH   SOLE   0 0 48
NVIDIA CORPORATION COM 67066G104   702,623 2,530 SH   SOLE   0 0 2,530
OCCIDENTAL PETE CORP COM 674599105   67,629 1,083 SH   SOLE   0 0 1,083
ORACLE CORP COM 68389X105   449,269 4,835 SH   SOLE   0 0 4,835
OVINTIV INC COM 69047Q102   544 15 SH   SOLE   0 0 15
PACCAR INC COM 693718108   1,719,541 23,491 SH   SOLE   0 0 23,491
PACER FDS TR PACER US SMALL 69374H857   762,462 20,033 SH   SOLE   0 0 20,033
PACER FDS TR US CASH COWS 100 69374H881   1,590,248 33,871 SH   SOLE   0 0 33,871
PAYPAL HLDGS INC COM 70450Y103   253,791 3,342 SH   SOLE   0 0 3,342
PFIZER INC COM 717081103   482,580 11,828 SH   SOLE   0 0 11,828
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   456,841 4,603 SH   SOLE   0 0 4,603
QUALCOMM INC COM 747525103   1,177,311 9,228 SH   SOLE   0 0 9,228
SPDR GOLD TR GOLD SHS 78463V107   631,743 3,448 SH   SOLE   0 0 3,448
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   266,435 8,295 SH   SOLE   0 0 8,295
SCHWAB CHARLES CORP COM 808513105   596,092 11,380 SH   SOLE   0 0 11,380
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   362,160 7,614 SH   SOLE   0 0 7,614
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   421,865 5,766 SH   SOLE   0 0 5,766
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   722,940 5,584 SH   SOLE   0 0 5,584
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   440,629 5,898 SH   SOLE   0 0 5,898
SELECT SECTOR SPDR TR ENERGY 81369Y506   289,545 3,496 SH   SOLE   0 0 3,496
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   349,947 10,885 SH   SOLE   0 0 10,885
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   550,520 3,646 SH   SOLE   0 0 3,646
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   313,492 4,631 SH   SOLE   0 0 4,631
SIMON PPTY GROUP INC NEW COM 828806109   42,647 381 SH   SOLE   0 0 381
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   325,849 3,503 SH   SOLE   0 0 3,503
TARGET CORP COM 87612E106   230,527 1,392 SH   SOLE   0 0 1,392
TESLA INC COM 88160R101   329,861 1,590 SH   SOLE   0 0 1,590
3M CO COM 88579Y101   265,522 2,526 SH   SOLE   0 0 2,526
TOYOTA MOTOR CORP ADS 892331307   470,552 3,321 SH   SOLE   0 0 3,321
UNITED PARCEL SERVICE INC CL B 911312106   320,657 1,653 SH   SOLE   0 0 1,653
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,815,476 40,192 SH   SOLE   0 0 40,192
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,572,130 32,876 SH   SOLE   0 0 32,876
VANGUARD WORLD FDS INF TECH ETF 92204A702   245,496 637 SH   SOLE   0 0 637
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,869,079 17,110 SH   SOLE   0 0 17,110
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   539,663 13,358 SH   SOLE   0 0 13,358
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,017,050 13,342 SH   SOLE   0 0 13,342
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   315,338 839 SH   SOLE   0 0 839
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   410,928 3,065 SH   SOLE   0 0 3,065
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   449,661 5,415 SH   SOLE   0 0 5,415
VANGUARD INDEX FDS SM CP VAL ETF 922908611   720,096 4,536 SH   SOLE   0 0 4,536
VANGUARD INDEX FDS MID CAP ETF 922908629   279,469 1,325 SH   SOLE   0 0 1,325
VANGUARD INDEX FDS VALUE ETF 922908744   5,184,809 37,541 SH   SOLE   0 0 37,541
VANGUARD INDEX FDS SMALL CP ETF 922908751   334,953 1,767 SH   SOLE   0 0 1,767
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,394,099 11,730 SH   SOLE   0 0 11,730
VERIZON COMMUNICATIONS INC COM 92343V104   317,867 8,174 SH   SOLE   0 0 8,174
VISA INC COM CL A 92826C839   1,635,284 7,253 SH   SOLE   0 0 7,253
WEC ENERGY GROUP INC COM 92939U106   273,754 2,888 SH   SOLE   0 0 2,888
WALMART INC COM 931142103   276,154 1,873 SH   SOLE   0 0 1,873
WARNER BROS DISCOVERY INC COM SER A 934423104   105,866 7,011 SH   SOLE   0 0 7,011
WEYERHAEUSER CO MTN BE COM NEW 962166104   423,890 14,069 SH   SOLE   0 0 14,069
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   17,149 60 SH   OTR 2 60 0 0
ALPHABET INC CAP STK CL A 02079K305   16,597 160 SH   OTR 2 160 0 0
U HAUL HOLDING COMPANY COM SER N 023586506   884,198 17,053 SH   OTR 1 16,846 0 0
AMERICAN EXPRESS CO COM 025816109   2,057,587 12,474 SH   OTR 1 12,474 0 0
AMGEN INC COM 031162100   1,904,022 7,876 SH   OTR 1 7,876 0 0
APA CORPORATION COM 03743Q108   843,011 23,378 SH   OTR 1 23,378 0 0
APPLE INC COM 037833100   16,490 100 SH   OTR 2 100 0 0
BANK AMERICA CORP COM 060505104   1,236,550 58,728 SH   OTR 1 43,236 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   405,724 1,314 SH   OTR 1 1,314 0 0
CHEVRON CORP NEW COM 166764100   1,003,924 6,153 SH   OTR 1 6,153 0 0
CONOCOPHILLIPS COM 20825C104   1,659,288 16,725 SH   OTR 1 16,725 0 0
CREDIT ACCEP CORP MICH COM 225310101   541,562 1,263 SH   OTR 1 1,263 0 0
DEVON ENERGY CORP NEW COM 25179M103   366,568 8,198 SH   OTR 1 8,198 0 0
EBAY INC. COM 278642103   1,019,667 22,981 SH   OTR 1 22,981 0 0
HOME DEPOT INC COM 437076102   968,289 3,251 SH   OTR 1,2 3,251 0 0
JPMORGAN CHASE & CO COM 46625H100   593,005 9,577 SH   OTR 1 9,577 0 0
JOHNSON & JOHNSON COM 478160104   10,850 70 SH   OTR 2 70 0 0
LENNAR CORP CL A 526057104   2,217,821 2,110 SH   OTR 1 21,100 0 0
MACERICH CO COM 554382101   1,572,118 148,313 SH   OTR 1 148,313 0 0
MASTERCARD INCORPORATED CL A 57636Q104   10,902 30 SH   OTR 2 30 0 0
MERCK & CO INC COM 58933Y105   2,156,632 20,271 SH   OTR 1 20,271 0 0
MICROSOFT CORP COM 594918104   23,064 80 SH   OTR 2 80 0 0
NVR INC COM 62944T105   2,005,989 360 SH   OTR 1 360 0 0
OCCIDENTAL PETE CORP COM 674599105   2,990,334 47,899 SH   OTR 1 47,899 0 0
OVINTIV INC COM 69047Q102   1,089,941 30,209 SH   OTR 1 30,209 0 0
PFIZER INC COM 717081103   412,896 10,120 SH   OTR 1,2 10,120 0 0
QUALCOMM INC COM 747525103   683,956 5,361 SH   OTR 1 5,361 0 0
SIMON PPTY GROUP INC NEW COM 828806109   1,901,363 16,981 SH   OTR 1 16,981 0 0
TARGET CORP COM 87612E106   1,483,713 8,958 SH   OTR 1 8,958 0 0
UNITED PARCEL SERVICE INC CL B 911312106   7,760 40 SH   OTR 2 40 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104   1,282,504 84,934 SH   OTR 1 84,934 0 0