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
3M CO COM 88579Y101   251,559 2,513 SH   SOLE   0 0 2,513
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   328,732 1,065 SH   SOLE 2 0 0 1,065
ALPHABET INC CAP STK CL C 02079K107   2,628,557 21,729 SH   SOLE   0 0 21,729
ALPHABET INC CAP STK CL A 02079K305   1,160,731 9,697 SH   SOLE 2 0 0 9,697
AMAZON COM INC COM 023135106   1,156,032 8,868 SH   SOLE   0 0 8,868
AMERICAN CENTY ETF TR DIVERSIFIED MU 025072505   678,125 13,562 SH   SOLE   0 0 13,562
AMERICAN EXPRESS CO COM 025816109   3,020,118 17,337 SH   SOLE 1 0 0 17,337
AMGEN INC COM 031162100   3,376,033 15,206 SH   SOLE 1 0 0 15,206
APA CORPORATION COM 03743Q108   1,294,804 37,893 SH   SOLE 1 0 0 37,893
APPLE INC COM 037833100   6,541,248 33,723 SH   SOLE 2 0 0 33,723
AT&T INC COM 00206R102   250,191 15,686 SH   SOLE   0 0 15,686
BANK AMERICA CORP COM 060505104   2,013,988 70,198 SH   SOLE 1 0 0 70,198
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,836,950 8,320 SH   SOLE 1 0 0 8,320
BLACKSTONE INC COM 09260D107   1,318,488 14,182 SH   SOLE   0 0 14,182
BOEING CO COM 097023105   542,489 2,569 SH   SOLE   0 0 2,569
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   606,767 23,628 SH   SOLE   0 0 23,628
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   1,316,654 48,693 SH   SOLE   0 0 48,693
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   329,765 13,070 SH   SOLE   0 0 13,070
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   1,266,548 53,850 SH   SOLE   0 0 53,850
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   493,808 22,184 SH   SOLE   0 0 22,184
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300   267,738 10,278 SH   SOLE   0 0 10,278
CAPITAL GRP FIXED INCM ETF T SHORT DURATION 14020Y409   1,194,881 47,595 SH   SOLE   0 0 47,595
CHEVRON CORP NEW COM 166764100   1,567,541 9,962 SH   SOLE   0 0 9,962
CISCO SYS INC COM 17275R102   1,882,391 36,382 SH   SOLE   0 0 36,382
COCA COLA CO COM 191216100   518,198 8,605 SH   SOLE   0 0 8,605
CONOCOPHILLIPS COM 20825C104   2,271,597 21,924 SH   SOLE 1 0 0 21,924
COSTCO WHSL CORP NEW COM 22160K105   482,509 896 SH   SOLE   0 0 896
CREDIT ACCEP CORP MICH COM 225310101   629,833 1,240 SH   SOLE 1 0 0 1,240
D R HORTON INC COM 23331A109   3,066,953 25,203 SH   SOLE 1 0 0 25,203
DEVON ENERGY CORP NEW COM 25179M103   1,139,002 23,562 SH   SOLE 1 0 0 23,562
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,833,290 67,104 SH   SOLE   0 0 67,104
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2,245,412 95,712 SH   SOLE   0 0 95,712
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,004,519 20,858 SH   SOLE   0 0 20,858
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757   569,575 23,683 SH   SOLE   0 0 23,683
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,035,206 31,513 SH   SOLE   0 0 31,513
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   293,476 11,419 SH   SOLE   0 0 11,419
DISNEY WALT CO COM 254687106   257,226 2,881 SH   SOLE   0 0 2,881
DOMINOS PIZZA INC COM 25754A201   234,593 696 SH   SOLE   0 0 696
EBAY INC. COM 278642103   1,367,089 30,590 SH   SOLE 1 0 0 30,590
EXXON MOBIL CORP COM 30231G102   842,891 7,859 SH   SOLE   0 0 7,859
FEDEX CORP COM 31428X106   400,760 1,617 SH   SOLE   0 0 1,617
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   354,750 2,715 SH   SOLE   0 0 2,715
HOME DEPOT INC COM 437076102   1,553,501 5,001 SH   SOLE 2,1 0 0 5,001
INTEL CORP COM 458140100   763,193 22,823 SH   SOLE   0 0 22,823
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   521,762 8,307 SH   SOLE   0 0 8,307
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   311,598 2,082 SH   SOLE   0 0 2,082
INVESCO EXCHANGE TRADED FD T S&P SMLCP MOMENT 46137V498   1,163,270 23,993 SH   SOLE   0 0 23,993
INVESCO QQQ TR UNIT SER 1 46090E103   353,486 957 SH   SOLE   0 0 957
ISHARES TR CORE S&P500 ETF 464287200   413,619 928 SH   SOLE   0 0 928
ISHARES TR PFD AND INCM SEC 464288687   528,905 17,100 SH   SOLE   0 0 17,100
ISHARES TR EAFE VALUE ETF 464288877   829,154 16,942 SH   SOLE   0 0 16,942
ISHARES TR MSCI USA MIN VOL 46429B697   724,866 9,752 SH   SOLE   0 0 9,752
ISHARES TR 0-5 YR TIPS ETF 46429B747   618,686 6,339 SH   SOLE   0 0 6,339
ISHARES TR MSCI USA QLT FCT 46432F339   856,553 6,351 SH   SOLE   0 0 6,351
ISHARES TR MSCI USA MMENTM 46432F396   460,302 3,191 SH   SOLE   0 0 3,191
ISHARES TR MSCI INTL MOMENT 46434V449   534,931 16,112 SH   SOLE   0 0 16,112
ISHARES TR GENOMICS IMMUN 46435U192   335,798 12,753 SH   SOLE   0 0 12,753
ISHARES TR ROBOTICS ARTIF 46435U556   410,988 12,439 SH   SOLE   0 0 12,439
J P MORGAN EXCHANGE TRADED F BETABUILDERS US 46641Q241   229,130 4,962 SH   SOLE   0 0 4,962
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274   986,300 21,535 SH   SOLE   0 0 21,535
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   408,524 8,091 SH   SOLE   0 0 8,091
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   6,148,361 122,624 SH   SOLE   0 0 122,624
JOHNSON & JOHNSON COM 478160104   1,692,442 10,225 SH   SOLE 2 0 0 10,225
JPMORGAN CHASE & CO COM 46625H100   3,212,012 22,085 SH   SOLE 1 0 0 22,085
KEYSIGHT TECHNOLOGIES INC COM 49338L103   245,147 1,464 SH   SOLE   0 0 1,464
KIMBERLY-CLARK CORP COM 494368103   309,479 2,242 SH   SOLE   0 0 2,242
LENNAR CORP CL A 526057104   3,256,932 25,991 SH   SOLE 1 0 0 25,991
LILLY ELI & CO COM 532457108   235,125 501 SH   SOLE   0 0 501
LOCKHEED MARTIN CORP COM 539830109   209,035 454 SH   SOLE   0 0 454
MACERICH CO COM 554382101   2,073,932 184,022 SH   SOLE 1 0 0 184,022
MARKEL GROUP INC COM 570535104   372,477 269 SH   SOLE   0 0 269
MARVELL TECHNOLOGY INC COM 573874104   327,861 5,484 SH   SOLE   0 0 5,484
MASTERCARD INCORPORATED CL A 57636Q104   369,108 938 SH   SOLE 2 0 0 938
MCDONALDS CORP COM 580135101   383,880 1,286 SH   SOLE   0 0 1,286
MCKESSON CORP COM 58155Q103   388,252 909 SH   SOLE   0 0 909
MERCK & CO INC COM 58933Y105   4,060,769 35,192 SH   SOLE 1 0 0 35,192
MICROSOFT CORP COM 594918104   4,779,408 14,035 SH   SOLE 2 0 0 14,035
NVIDIA CORPORATION COM 67066G104   1,007,005 2,381 SH   SOLE   0 0 2,381
NVR INC COM 62944T105   2,444,989 385 SH   SOLE 1 0 0 385
OCCIDENTAL PETE CORP COM 674599105   3,517,617 59,823 SH   SOLE 1 0 0 59,823
ORACLE CORP COM 68389X105   573,170 4,813 SH   SOLE   0 0 4,813
OVINTIV INC COM 69047Q102   1,760,401 46,241 SH   SOLE 1 0 0 46,241
PACCAR INC COM 693718108   1,904,543 22,768 SH   SOLE   0 0 22,768
PACER FDS TR PACER US SMALL 69374H857   1,045,398 25,685 SH   SOLE   0 0 25,685
PACER FDS TR US CASH COWS 100 69374H881   2,015,558 42,105 SH   SOLE   0 0 42,105
PATHWARD FINANCIAL INC COM 59100U108   992,951 3,460 SH   SOLE   0 0 3,460
PAYPAL HLDGS INC COM 70450Y103   220,009 3,297 SH   SOLE   0 0 3,297
PFIZER INC COM 717081103   939,308 25,608 SH   SOLE 2,1 0 0 25,608
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   464,579 4,657 SH   SOLE   0 0 4,657
PROCTER AND GAMBLE CO COM 742718109   269,245 1,774 SH   SOLE 2 0 0 1,774
QUALCOMM INC COM 747525103   1,906,033 16,012 SH   SOLE 1 0 0 16,012
SCHWAB CHARLES CORP COM 808513105   642,503 11,336 SH   SOLE   0 0 11,336
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   359,914 7,614 SH   SOLE   0 0 7,614
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   422,239 5,814 SH   SOLE   0 0 5,814
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   623,424 4,697 SH   SOLE   0 0 4,697
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   424,660 5,726 SH   SOLE   0 0 5,726
SELECT SECTOR SPDR TR ENERGY 81369Y506   355,888 4,384 SH   SOLE   0 0 4,384
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   384,803 11,415 SH   SOLE   0 0 11,415
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   518,289 2,981 SH   SOLE   0 0 2,981
SIMON PPTY GROUP INC NEW COM 828806109   2,429,506 21,038 SH   SOLE 1 0 0 21,038
SPDR GOLD TR GOLD SHS 78463V107   621,093 3,484 SH   SOLE   0 0 3,484
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   254,300 7,815 SH   SOLE   0 0 7,815
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   344,950 3,418 SH   SOLE   0 0 3,418
TARGET CORP COM 87612E106   1,615,636 12,249 SH   SOLE 1 0 0 12,249
TESLA INC COM 88160R101   416,214 1,590 SH   SOLE   0 0 1,590
TOYOTA MOTOR CORP ADS 892331307   529,993 3,297 SH   SOLE   0 0 3,297
UNITED PARCEL SERVICE INC CL B 911312106   307,836 1,717 SH   SOLE 2 0 0 1,717
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,047,011 13,855 SH   SOLE   0 0 13,855
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   331,326 814 SH   SOLE   0 0 814
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   400,543 2,895 SH   SOLE   0 0 2,895
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   440,110 5,267 SH   SOLE   0 0 5,267
VANGUARD INDEX FDS SM CP VAL ETF 922908611   576,842 3,488 SH   SOLE   0 0 3,488
VANGUARD INDEX FDS MID CAP ETF 922908629   288,189 1,309 SH   SOLE   0 0 1,309
VANGUARD INDEX FDS VALUE ETF 922908744   4,917,750 34,608 SH   SOLE   0 0 34,608
VANGUARD INDEX FDS SMALL CP ETF 922908751   349,251 1,756 SH   SOLE   0 0 1,756
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,554,155 11,595 SH   SOLE   0 0 11,595
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,083,702 18,860 SH   SOLE   0 0 18,860
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   395,003 9,710 SH   SOLE   0 0 9,710
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,424,212 30,034 SH   SOLE   0 0 30,034
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   585,215 7,735 SH   SOLE   0 0 7,735
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,928,363 41,758 SH   SOLE   0 0 41,758
VANGUARD WORLD FDS INF TECH ETF 92204A702   281,600 637 SH   SOLE   0 0 637
VERIZON COMMUNICATIONS INC COM 92343V104   308,884 8,306 SH   SOLE   0 0 8,306
VISA INC COM CL A 92826C839   1,656,343 6,975 SH   SOLE   0 0 6,975
WALMART INC COM 931142103   285,889 1,819 SH   SOLE   0 0 1,819
WARNER BROS DISCOVERY INC COM SER A 934423104   1,388,165 110,699 SH   SOLE 1 0 0 110,699
WEC ENERGY GROUP INC COM 92939U106   254,837 2,888 SH   SOLE   0 0 2,888
WELLS FARGO CO NEW COM 949746101   207,676 4,866 SH   SOLE   0 0 4,866