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
AMERICAN CENTY ETF TR US QUALITY GROW 025072307   6,632,030 95,963 SH   SOLE   79 0 95,884
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   12,138,887 545,323 SH   SOLE   111 0 545,212
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   7,565,087 50,555 SH   SOLE   0 0 50,555
ISHARES TR CORE S&P SCP ETF 464287804   571,692 5,737 SH   SOLE   0 0 5,737
ISHARES TR CORE S&P TTL STK 464287150   431,474 4,410 SH   SOLE   0 0 4,410
ISHARES TR CORE US AGGBD ET 464287226   10,673,709 108,971 SH   SOLE   0 0 108,971
ISHARES TR IBONDS DEC23 ETF 46434VAX8   12,046,767 476,345 SH   SOLE   50 0 476,295
ISHARES TR RUS 1000 GRW ETF 464287614   5,557,214 20,195 SH   SOLE   0 0 20,195
ISHARES TR S&P MC 400GR ETF 464287606   931,500 12,420 SH   SOLE   0 0 12,420
ISHARES TR S&P SML 600 GWT 464287887   1,379,160 12,000 SH   SOLE   0 0 12,000
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   12,256,238 244,440 SH   SOLE   25 0 244,415
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   9,270,172 127,653 SH   SOLE   74 0 127,579
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   893 12 SH   OTR   0 0 12
VANGUARD INDEX FDS LARGE CAP ETF 922908637   8,817,683 43,497 SH   SOLE   24 0 43,473
VANGUARD INDEX FDS MID CAP ETF 922908629   10,090,839 45,834 SH   SOLE   11 0 45,823
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   10,778,145 142,455 SH   SOLE   0 0 142,455
AGNICO EAGLE MINES LTD COM 008474108   590,964 11,824 SH   SOLE   0 0 11,824
DEERE & CO COM 244199105   253,244 625 SH   SOLE   0 0 625
EAGLE MATLS INC COM 26969P108   740,087 3,970 SH   SOLE   0 0 3,970
INGREDION INC COM 457187102   720,248 6,798 SH   SOLE   0 0 6,798
MCDONALDS CORP COM 580135101   292,143 979 SH   SOLE   0 0 979
MICROSOFT CORP COM 594918104   2,256,601 6,627 SH   SOLE   11 0 6,616
MICROSOFT CORP COM 594918104   34,054 100 SH   OTR   0 0 100
ABBOTT LABS COM 002824100   304,711 2,795 SH   SOLE   0 0 2,795
AT&T INC COM 00206R102   258,688 16,219 SH   SOLE   0 0 16,219
CISCO SYS INC COM 17275R102   498,101 9,627 SH   SOLE   0 0 9,627
CONOCOPHILLIPS COM 20825C104   1,362,990 13,155 SH   SOLE   0 0 13,155
JOHNSON & JOHNSON COM 478160104   744,509 4,498 SH   SOLE   0 0 4,498
NOVARTIS AG SPONSORED ADR 66987V109   747,910 7,412 SH   SOLE   0 0 7,412
OLD REP INTL CORP COM 680223104   598,190 23,766 SH   SOLE   0 0 23,766
ROYAL BK CDA COM 780087102   494,264 5,175 SH   SOLE   0 0 5,175
WALMART INC COM 931142103   457,394 2,910 SH   SOLE   0 0 2,910
ISHARES TR CORE S&P500 ETF 464287200   2,735,322 6,137 SH   SOLE   38 0 6,099
J P MORGAN EXCHANGE TRADED F MKT EXPN ENHNCD 46641Q118   741,917 14,791 SH   SOLE   265 0 14,526
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,471,364 22,482 SH   SOLE   47 0 22,435
WISDOMTREE TR GLB US QTLY DIV 97717W844   227,564 6,353 SH   SOLE   174 0 6,179
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,928,681 35,617 SH   SOLE   45 0 35,572
FIRST TR VALUE LINE DIVID IN SHS 33734H106   687,089 17,139 SH   SOLE   108 0 17,031
VANGUARD INDEX FDS GROWTH ETF 922908736   754,746 2,667 SH   SOLE   16 0 2,651
WISDOMTREE TR US QTLY DIV GRT 97717X669   673,710 10,107 SH   SOLE   67 0 10,040
ISHARES TR CORE S&P MCP ETF 464287507   1,057,687 4,045 SH   SOLE   0 0 4,045
ISHARES TR S&P 500 GRWT ETF 464287309   312,720 4,437 SH   SOLE   0 0 4,437
AFLAC INC COM 001055102   565,380 8,100 SH   SOLE   0 0 8,100
CVS HEALTH CORP COM 126650100   578,895 8,374 SH   SOLE   0 0 8,374
DOLLAR GEN CORP NEW COM 256677105   713,019 4,200 SH   SOLE   0 0 4,200
GABELLI HLTHCARE & WELLNESS SHS 36246K103   109,391 10,983 SH   SOLE   0 0 10,983
GENERAL MTRS CO COM 37045V100   291,205 7,552 SH   SOLE   0 0 7,552
PFIZER INC COM 717081103   738,258 20,127 SH   SOLE   0 0 20,127
S&P GLOBAL INC COM 78409V104   244,543 610 SH   SOLE   5 0 605
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   317,763 3,149 SH   SOLE   0 0 3,149
BANK NOVA SCOTIA HALIFAX COM 064149107   514,411 10,280 SH   SOLE   100 0 10,180
CIVITAS RESOURCES INC COM NEW 17888H103   727,344 10,485 SH   SOLE   100 0 10,385
D R HORTON INC COM 23331A109   330,388 2,715 SH   SOLE   0 0 2,715
WOODSIDE ENERGY GROUP LTD SPONSORED ADR 980228308   297,458 12,827 SH   SOLE   0 0 12,827
AMERICAN EXPRESS CO COM 025816109   288,417 1,656 SH   SOLE   40 0 1,616
ISHARES TR IBONDS 24 TRM TS 46436E874   437,087 18,365 SH   SOLE   53 0 18,312
LADDER CAP CORP CL A 505743104   730,782 67,353 SH   SOLE   0 0 67,353
TJX COS INC NEW COM 872540109   343,569 4,052 SH   SOLE   100 0 3,952
TRACTOR SUPPLY CO COM 892356106   189,925 859 SH   SOLE   0 0 859
TRACTOR SUPPLY CO COM 892356106   44,220 200 SH   OTR   0 0 200
ARK ETF TR INNOVATION ETF 00214Q104   251,421 5,696 SH   SOLE   0 0 5,696
CANADIAN NAT RES LTD COM 136385101   253,170 4,500 SH   SOLE   0 0 4,500
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   164,935 12,987 SH   SOLE   0 0 12,987
GOLDMINING INC COM 38149E101   9,011 10,000 SH   SOLE   0 0 10,000
TEXAS INSTRS INC COM 882508104   958,787 5,326 SH   SOLE   0 0 5,326
AMAZON COM INC COM 023135106   561,982 4,311 SH   SOLE   20 0 4,291
AMAZON COM INC COM 023135106   28,679 220 SH   OTR   0 0 220
JPMORGAN CHASE & CO COM 46625H100   536,674 3,690 SH   SOLE   0 0 3,690
DIAGEO PLC SPON ADR NEW 25243Q205   379,748 2,189 SH   SOLE   0 0 2,189
HOME DEPOT INC COM 437076102   264,044 850 SH   SOLE   0 0 850
HOME DEPOT INC COM 437076102   46,596 150 SH   OTR   0 0 150
THERMO FISHER SCIENTIFIC INC COM 883556102   416,008 797 SH   SOLE   6 0 791
VISA INC COM CL A 92826C839   459,681 1,936 SH   SOLE   0 0 1,936
VISA INC COM CL A 92826C839   71,244 300 SH   OTR   0 0 300
APPLE INC COM 037833100   7,124,324 36,729 SH   SOLE   0 0 36,729
APPLE INC COM 037833100   237,225 1,223 SH   OTR   0 0 1,223
M D C HLDGS INC COM 552676108   416,284 8,901 SH   SOLE   0 0 8,901
NUTRIEN LTD COM 67077M108   329,971 5,588 SH   SOLE   0 0 5,588
VALERO ENERGY CORP COM 91913Y100   470,725 4,013 SH   SOLE   0 0 4,013
VANGUARD INDEX FDS TOTAL STK MKT 922908769   466,333 2,117 SH   SOLE   0 0 2,117
PHILLIPS 66 COM 718546104   328,775 3,447 SH   SOLE   0 0 3,447
PROCTER AND GAMBLE CO COM 742718109   621,831 4,098 SH   SOLE   0 0 4,098
ALCON AG ORD SHS H01301128   381,674 4,648 SH   SOLE   0 0 4,648
GATX CORP COM 361448103   360,472 2,800 SH   SOLE   0 0 2,800
ALPHABET INC CAP STK CL A 02079K305   303,399 2,535 SH   SOLE   20 0 2,515
ALPHABET INC CAP STK CL A 02079K305   71,820 600 SH   OTR   0 0 600
ISHARES TR MSCI ACWI ETF 464288257   242,057 2,523 SH   SOLE   226 0 2,297
ISHARES TR RUS 1000 ETF 464287622   640,061 2,626 SH   SOLE   90 0 2,536
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   350,319 6,776 SH   SOLE   0 0 6,776
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   630 12 SH   OTR   0 0 12
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   473,684 6,320 SH   SOLE   0 0 6,320
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   533,221 12,174 SH   SOLE   0 0 12,174
COSTCO WHSL CORP NEW COM 22160K105   534,073 992 SH   SOLE   0 0 992
MERCK & CO INC COM 58933Y105   220,972 1,915 SH   SOLE   0 0 1,915
SPDR GOLD TR GOLD SHS 78463V107   621,271 3,485 SH   SOLE   0 0 3,485
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   245,520 720 SH   SOLE   0 0 720
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   34,100 100 SH   OTR   0 0 100
NVIDIA CORPORATION COM 67066G104   239,006 565 SH   SOLE   0 0 565
SERVICENOW INC COM 81762P102   159,038 283 SH   SOLE   0 0 283
SERVICENOW INC COM 81762P102   42,148 75 SH   OTR   0 0 75
CHEVRON CORP NEW COM 166764100   606,270 3,853 SH   SOLE   0 0 3,853
PEPSICO INC COM 713448108   529,544 2,859 SH   SOLE   0 0 2,859
PEPSICO INC COM 713448108   18,522 100 SH   OTR   0 0 100
INVESCO QQQ TR UNIT SER 1 46090E103   673,822 1,824 SH   SOLE   0 0 1,824
INVESCO QQQ TR UNIT SER 1 46090E103   18,471 50 SH   OTR   0 0 50
BHP GROUP LTD SPONSORED ADS 088606108   396,209 6,640 SH   SOLE   0 0 6,640
SPDR S&P 500 ETF TR TR UNIT 78462F103   598,428 1,350 SH   SOLE   0 0 1,350
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   580,599 8,174 SH   SOLE   0 0 8,174
PROGRESSIVE CORP COM 743315103   203,717 1,539 SH   SOLE   0 0 1,539
PROGRESSIVE CORP COM 743315103   13,237 100 SH   OTR   0 0 100
ISHARES TR RUS MD CP GR ETF 464287481   541,128 5,600 SH   SOLE   0 0 5,600
ISHARES TR RUS MDCP VAL ETF 464287473   318,536 2,900 SH   SOLE   0 0 2,900
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   311,292 650 SH   SOLE   0 0 650
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   282,175 1,623 SH   SOLE   0 0 1,623
AZZ INC COM 002474104   252,068 5,800 SH   SOLE   0 0 5,800
REGENERON PHARMACEUTICALS COM 75886F107   291,009 405 SH   SOLE   0 0 405
AMBEV SA SPONSORED ADR 02319V103   31,800 10,000 SH   SOLE   0 0 10,000
CANADIAN NATL RY CO COM 136375102   398,684 3,293 SH   SOLE   0 0 3,293
EXXON MOBIL CORP COM 30231G102   603,637 5,628 SH   SOLE   0 0 5,628
ISHARES TR S&P MC 400VL ETF 464287705   208,046 1,942 SH   SOLE   0 0 1,942
LILLY ELI & CO COM 532457108   9,380 20 SH   OTR   0 0 20
LILLY ELI & CO COM 532457108   264,505 564 SH   SOLE   0 0 564
ELLSWORTH GROWTH & INCOME FD COM 289074106   161,439 18,772 SH   SOLE   0 0 18,772
HALLADOR ENERGY COMPANY COM 40609P105   102,840 12,000 SH   SOLE   0 0 12,000