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
Expires: July 31, 2015
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 255,875 1,378 SH SOLE 0 0 0 1,378
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 227,867 762 SH SOLE 0 0 0 762
ALPHABET INC CAP STK CL A 02079K305 351,435 1,994 SH SOLE 0 0 0 1,994
AMAZON COM INC COM 023135106 521,737 2,378 SH SOLE 0 0 0 2,378
APPLE INC COM 037833100 3,482,222 16,972 SH SOLE 0 0 0 16,972
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 377,929 778 SH SOLE 0 0 0 778
BOEING CO COM 097023105 749,489 3,577 SH SOLE 0 0 0 3,577
BROADCOM INC COM 11135F101 502,763 1,824 SH SOLE 0 0 0 1,824
CIPHER MINING INC COM 17253J106 47,800 10,000 SH SOLE 0 0 0 10,000
CISCO SYS INC COM 17275R102 338,755 4,883 SH SOLE 0 0 0 4,883
CORE SCIENTIFIC INC NEW COM 21874A106 2,070,693 121,306 SH SOLE 0 0 0 121,306
COSTCO WHSL CORP NEW COM 22160K105 230,016 232 SH SOLE 0 0 0 232
CROWDSTRIKE HLDGS INC CL A 22788C105 544,962 1,070 SH SOLE 0 0 0 1,070
DISNEY WALT CO COM 254687106 379,607 3,061 SH SOLE 0 0 0 3,061
EXXON MOBIL CORP COM 30231G102 376,800 3,495 SH SOLE 0 0 0 3,495
FIDELITY COVINGTON TRUST VLU FACTOR ETF 316092782 20,536,422 321,535 SH SOLE 0 0 0 321,535
FLEXSHARES TR MORNSTAR UPSTR 33939L407 716,766 17,870 SH SOLE 0 0 0 17,870
HOME DEPOT INC COM 437076102 211,076 576 SH SOLE 0 0 0 576
INTERNATIONAL BUSINESS MACHS COM 459200101 250,805 851 SH SOLE 0 0 0 851
INVESCO QQQ TR UNIT SER 1 46090E103 9,819,413 17,800 SH SOLE 0 0 0 17,800
ISHARES INC CORE MSCI EMKT 46434G103 17,181,178 286,210 SH SOLE 0 0 0 286,210
ISHARES TR CORE MSCI EAFE 46432F842 16,147,748 193,433 SH SOLE 0 0 0 193,433
ISHARES TR MSCI USA QLT FCT 46432F339 12,164,333 66,537 SH SOLE 0 0 0 66,537
ISHARES TR CORE DIV GRWTH 46434V621 18,193,734 284,544 SH SOLE 0 0 0 284,544
ISHARES TR MSCI USA MIN VOL 46429B697 20,042,980 213,518 SH SOLE 0 0 0 213,518
ISHARES TR MSCI INDIA ETF 46429B598 6,216,385 111,645 SH SOLE 0 0 0 111,645
ISHARES TR JPMORGAN USD EMG 464288281 6,799,853 73,417 SH SOLE 0 0 0 73,417
ISHARES TR CORE S&P MCP ETF 464287507 284,362 4,585 SH SOLE 0 0 0 4,585
ISHARES TR S&P 500 VAL ETF 464287408 1,932,143 9,887 SH SOLE 0 0 0 9,887
ISHARES TR CORE S&P500 ETF 464287200 45,797,873 73,760 SH SOLE 0 0 0 73,760
ISHARES TR S&P 500 GRWT ETF 464287309 2,143,064 19,465 SH SOLE 0 0 0 19,465
ISHARES TR RUS 1000 VAL ETF 464287598 2,019,794 10,399 SH SOLE 0 0 0 10,399
ISHARES TR RUS 1000 GRW ETF 464287614 2,890,614 6,808 SH SOLE 0 0 0 6,808
ISHARES TR 20 YR TR BD ETF 464287432 16,335,141 185,101 SH SOLE 0 0 0 185,101
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217 327,866 5,307 SH SOLE 0 0 0 5,307
J P MORGAN EXCHANGE TRADED F BETABUILDERS EUR 46641Q191 293,880 4,356 SH SOLE 0 0 0 4,356
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225 318,874 3,951 SH SOLE 0 0 0 3,951
JPMORGAN CHASE & CO. COM 46625H100 466,288 1,608 SH SOLE 0 0 0 1,608
MASTERCARD INCORPORATED CL A 57636Q104 300,796 535 SH SOLE 0 0 0 535
META PLATFORMS INC CL A 30303M102 519,797 704 SH SOLE 0 0 0 704
MICROSOFT CORP COM 594918104 1,057,122 2,125 SH SOLE 0 0 0 2,125
NIKE INC CL B 654106103 625,152 8,800 SH SOLE 0 0 0 8,800
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 293,938 14,494 SH SOLE 0 0 0 14,494
NVIDIA CORPORATION COM 67066G104 966,424 6,117 SH SOLE 0 0 0 6,117
OPEN LENDING CORP COM 68373J104 50,199 25,876 SH SOLE 0 0 0 25,876
PEPSICO INC COM 713448108 883,019 6,688 SH SOLE 0 0 0 6,688
PROCTER AND GAMBLE CO COM 742718109 256,112 1,608 SH SOLE 0 0 0 1,608
PURECYCLE TECHNOLOGIES INC COM 74623V103 239,750 17,500 SH SOLE 0 0 0 17,500
SABINE RTY TR UNIT BEN INT 785688102 371,008 5,564 SH SOLE 0 0 0 5,564
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,038,906 265,619 SH SOLE 0 0 0 265,619
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 536,872 22,529 SH SOLE 0 0 0 22,529
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,230,592 48,640 SH SOLE 0 0 0 48,640
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,800,365 61,635 SH SOLE 0 0 0 61,635
SPDR GOLD TR GOLD SHS 78463V107 327,997 1,076 SH SOLE 0 0 0 1,076
SPDR S&P 500 ETF TR TR UNIT 78462F103 12,487,473 20,211 SH SOLE 0 0 0 20,211
TESLA INC COM 88160R101 993,958 3,129 SH SOLE 0 0 0 3,129
UNITEDHEALTH GROUP INC COM 91324P102 346,734 1,111 SH SOLE 0 0 0 1,111
VANECK ETF TRUST GOLD MINERS ETF 92189F106 1,661,910 31,923 SH SOLE 0 0 0 31,923
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,318,114 4,635 SH SOLE 0 0 0 4,635
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,676,061 9,993 SH SOLE 0 0 0 9,993
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 262,089 1,360 SH SOLE 0 0 0 1,360
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,124,074 23,440 SH SOLE 0 0 0 23,440
VANGUARD INDEX FDS MID CAP ETF 922908629 13,451,753 48,071 SH SOLE 0 0 0 48,071
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,427,292 6,023 SH SOLE 0 0 0 6,023
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 20,835,468 421,259 SH SOLE 0 0 0 421,259
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,385,713 17,880 SH SOLE 0 0 0 17,880
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,063,228 44,337 SH SOLE 0 0 0 44,337
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,263,929 39,711 SH SOLE 0 0 0 39,711
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 5,131,123 78,518 SH SOLE 0 0 0 78,518
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 7,374,592 55,319 SH SOLE 0 0 0 55,319
VAXART INC COM NEW 92243A200 4,520 10,000 SH SOLE 0 0 0 10,000
VISA INC COM CL A 92826C839 404,501 1,139 SH SOLE 0 0 0 1,139
WALMART INC COM 931142103 353,821 3,619 SH SOLE 0 0 0 3,619