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
Vanguard S&P 500 ETF ETF 922908363   42,425,621 88,258 SH   SOLE   0 0 88,258
Vanguard Small Cap ETF ETF 922908751   21,670,432 94,800 SH   SOLE   0 0 94,800
Nvidia Corp Common Stock 67066G104   13,340,160 14,764 SH   SOLE   0 0 14,764
Apple Inc Common Stock 037833100   11,365,601 66,279 SH   SOLE   0 0 66,279
Alphabet Inc. Class C Common Stock 02079K107   7,125,768 46,800 SH   SOLE   0 0 46,800
Berkshire Hathaway Class B Common Stock 084670702   6,920,077 16,456 SH   SOLE   0 0 16,456
Microsoft Common Stock 594918104   6,122,852 14,553 SH   SOLE   0 0 14,553
NVR Inc. Common Stock 62944T105   4,706,077 581 SH   SOLE   0 0 581
Merck & Co. Inc. Common Stock 58933Y105   4,571,147 34,442 SH   SOLE   0 0 34,442
McKesson Corp Common Stock 58155Q103   4,480,942 8,337 SH   SOLE   0 0 8,337
Meta Platforms Inc Class A Common Stock 30303M102   4,437,716 9,139 SH   SOLE   0 0 9,139
Broadcom Inc Common Stock 11135F101   4,422,893 3,337 SH   SOLE   0 0 3,337
Vistra Energy Corp Common Stock 92840M102   3,970,189 57,002 SH   SOLE   0 0 57,002
Arch Cap Group LTD F Common Stock G0450A105   3,495,619 37,815 SH   SOLE   0 0 37,815
JPMorgan Chase Common Stock 46625H100   3,464,589 17,297 SH   SOLE   0 0 17,297
CIGNA Corp Common Stock 125523100   3,317,741 9,135 SH   SOLE   0 0 9,135
Vanguard Small Cap Value ETF ETF 922908611   3,290,934 17,151 SH   SOLE   0 0 17,151
Vertex Pharmaceutical Common Stock 92532F100   3,268,838 7,820 SH   SOLE   0 0 7,820
Philip Morris Intl Common Stock 718172109   3,262,607 35,112 SH   SOLE   0 0 35,112
Check PT Software F Common Stock M22465104   3,119,306 19,019 SH   SOLE   0 0 19,019
Pultegroup Inc Common Stock 745867101   2,967,756 24,565 SH   SOLE   0 0 24,565
Altria Group Inc Common Stock 02209S103   2,925,305 65,599 SH   SOLE   0 0 65,599
Procter & Gamble Common Stock 742718109   2,915,943 17,972 SH   SOLE   0 0 17,972
JPMorgan Betabuilders US Eqy ETF ETF 46641Q399   2,912,882 30,847 SH   SOLE   0 0 30,847
Progressive Co. Common Stock 743315103   2,877,082 13,911 SH   SOLE   0 0 13,911
Cisco Systems Common Stock 17275R102   2,845,683 57,016 SH   SOLE   0 0 57,016
Vanguard FTSE All World Ex US ETF ETF 922042775   2,767,635 47,189 SH   SOLE   0 0 47,189
Amazon.com Inc Common Stock 023135106   2,732,216 15,147 SH   SOLE   0 0 15,147
iShares Russell 2000 ETF ETF 464287655   2,726,750 12,966 SH   SOLE   0 0 12,966
Wells Fargo & Co Common Stock 949746101   2,603,920 44,926 SH   SOLE   0 0 44,926
Williams Cos Inc Common Stock 969457100   2,581,267 66,237 SH   SOLE   0 0 66,237
iShares Core MSCI EAFE ETF ETF 46432F842   2,558,067 34,466 SH   SOLE   0 0 34,466
Booking Holdings Inc Common Stock 09857L108   2,546,772 702 SH   SOLE   0 0 702
Eli Lilly & Co. Common Stock 532457108   2,538,483 3,263 SH   SOLE   0 0 3,263
Johnson & Johnson Common Stock 478160104   2,472,612 15,631 SH   SOLE   0 0 15,631
Charles Schwab Corp Common Stock 808513105   2,405,377 33,251 SH   SOLE   0 0 33,251
Dropbox Inc Class A Common Stock 26210C104   2,386,139 98,195 SH   SOLE   0 0 98,195
Pepsico Inc Common Stock 713448108   2,229,133 12,663 SH   SOLE   0 0 12,663
Bristol-Myers Squibb Common Stock 110122108   2,053,883 37,874 SH   SOLE   0 0 37,874
Marathon Pete Corp Common Stock 56585A102   2,042,759 10,138 SH   SOLE   0 0 10,138
JPMorgan Betabuild Interl Eqy ETF ETF 46641Q373   2,016,266 33,529 SH   SOLE   0 0 33,529
Abbvie Inc Common Stock 00287Y109   1,965,770 10,795 SH   SOLE   0 0 10,795
Wal-Mart Common Stock 931142103   1,913,484 31,692 SH   SOLE   0 0 31,692
Comcast Corp Class A Common Stock 20030N101   1,903,455 43,909 SH   SOLE   0 0 43,909
Target Corp Common Stock 87612E106   1,839,829 10,382 SH   SOLE   0 0 10,382
Chevron Corp. Common Stock 166764100   1,629,625 10,331 SH   SOLE   0 0 10,331
EOG Resources Inc. Common Stock 26875P101   1,582,148 12,376 SH   SOLE   0 0 12,376
Expeditors International of Washington Common Stock 302130109   1,536,523 12,639 SH   SOLE   0 0 12,639
ExxonMobil Common Stock 30231G102   1,469,606 12,643 SH   SOLE   0 0 12,643
Baker Hughes Co. Class A Common Stock 05722G100   1,466,125 43,765 SH   SOLE   0 0 43,765
Raytheon Technologies Co Common Stock 75513E101   1,369,321 14,040 SH   SOLE   0 0 14,040
Verizon Common Stock 92343V104   1,368,065 32,604 SH   SOLE   0 0 32,604
Bank Of America Corp Common Stock 060505104   1,359,394 35,849 SH   SOLE   0 0 35,849
Vanguard FTSE Developed Markets ETF ETF 921943858   1,315,959 26,230 SH   SOLE   0 0 26,230
Vanguard Russell 1000 Growth ETF ETF 92206C680   1,166,578 13,460 SH   SOLE   0 0 13,460
iShares S&P Small Cap 600 Value ETF ETF 464287879   1,066,238 10,376 SH   SOLE   0 0 10,376
Dominion Energy Inc Common Stock 25746U109   1,021,597 20,768 SH   SOLE   0 0 20,768
JPMorgan Active Growth ETF ETF 46654Q609   990,031 14,101 SH   SOLE   0 0 14,101
JPMorgan Active Value ETF ETF 46641Q167   936,620 15,639 SH   SOLE   0 0 15,639
Mondelez Intl Class A Common Stock 609207105   928,998 13,187 SH   SOLE   0 0 13,187
CF Industries Holdings Inc. Common Stock 125269100   846,079 10,168 SH   SOLE   0 0 10,168
JPMorgan U.S. Quality Factor ETF ETF 46641Q761   798,020 15,094 SH   SOLE   0 0 15,094
JPMorgan Activebld Emrg MRKT Eqy ETF ETF 46641Q266   547,771 14,946 SH   SOLE   0 0 14,946
AT&T Common Stock 00206R102   444,787 25,272 SH   SOLE   0 0 25,272
EQT Corp Common Stock 26884L109   374,889 10,113 SH   SOLE   0 0 10,113
Nintendo LTD F Sponsored ADR Common Stock 654445303   331,365 24,383 SH   SOLE   0 0 24,383
Pfizer Common Stock 717081103   319,181 11,502 SH   SOLE   0 0 11,502
Applied Energetics Common Stock 03819M106   148,605 73,567 SH   SOLE   0 0 73,567