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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 3,215,334 13,226 SH SOLE 9,982 0 3,245
AMERIPRISE FINL INC COM 03076C106 347,805 708 SH SOLE 214 0 494
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,014,475 2,018 SH SOLE 1,232 0 786
INVESCO DB MULTI-SECTOR COMM OIL FD 46140H403 2,911,550 216,472 SH SOLE 152,620 0 63,852
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115 3,313,881 62,429 SH SOLE 49,702 0 12,727
ISHARES TR 20 YR TR BD ETF 464287432 1,542,212 17,256 SH SOLE 9,118 0 8,138
ISHARES TR MSCI EAFE ETF 464287465 1,773,470 18,994 SH SOLE 11,999 0 6,995
ISHARES TR EAFE SML CP ETF 464288273 3,262,536 42,525 SH SOLE 29,149 0 13,376
ISHARES TR EAFE VALUE ETF 464288877 4,138,660 61,015 SH SOLE 43,534 0 17,481
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 2,178,132 42,675 SH SOLE 28,560 0 14,115
KLA CORP COM NEW 482480100 709,719 658 SH SOLE 43 0 615
LOWES COS INC COM 548661107 207,367 825 SH SOLE 97 0 728
NORTHROP GRUMMAN CORP COM 666807102 669,643 1,099 SH SOLE 749 0 350
QUALCOMM INC COM 747525103 976,944 5,872 SH SOLE 3,281 0 2,591
SELECTIVE INS GROUP INC COM 816300107 251,774 3,106 SH SOLE 1,642 0 1,464
SPDR GOLD TR GOLD SHS 78463V107 11,531,802 32,441 SH SOLE 22,203 0 10,238
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,756,838 7,331 SH SOLE 5,277 0 2,054
SELECT SECTOR SPDR TR ENERGY 81369Y506 938,199 10,501 SH SOLE 7,473 0 3,028
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 3,636,160 67,499 SH SOLE 54,957 0 12,542
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 9,335,513 33,121 SH SOLE 25,162 0 7,959
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 472,838 1,693 SH SOLE 533 0 1,160
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 1,480,936 29,095 SH SOLE 10,470 0 18,625
VANGUARD INDEX FDS MID CAP ETF 922908629 5,732,670 19,516 SH SOLE 14,836 0 4,680
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,350,077 13,175 SH SOLE 9,499 0 3,676
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,678,116 14,255 SH SOLE 6,497 0 7,758
VANGUARD INDEX FDS VALUE ETF 922908744 3,056,630 16,390 SH SOLE 10,924 0 5,466
WISDOMTREE TR INDIA ERNGS FD 97717W422 2,273,250 51,431 SH SOLE 38,826 0 12,605
ABBVIE INC COM 00287Y109 485,076 2,095 SH SOLE 1,338 0 757
AMAZON COM INC COM 023135106 2,015,433 9,179 SH SOLE 7,719 0 1,460
APPLE INC COM 037833100 5,059,630 19,871 SH SOLE 17,500 0 2,371
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 714,457 1,423 SH SOLE 1,098 0 325
BOOKING HOLDINGS INC COM 09857L108 550,726 102 SH SOLE 73 0 29
CATERPILLAR INC COM 149123101 391,740 821 SH SOLE 606 0 215
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 371,897 10,231 SH SOLE 9,005 0 1,226
EXXON MOBIL CORP COM 30231G102 1,082,175 9,598 SH SOLE 8,841 0 757
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 1,172,511 11,698 SH SOLE 10,664 0 1,034
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 396,400 29,516 SH SOLE 23,781 0 5,735
ISHARES TR CORE S&P SCP ETF 464287804 2,366,469 19,915 SH SOLE 16,709 0 3,206
ISHARES GOLD TR ISHARES NEW 464285204 1,452,999 19,967 SH SOLE 18,244 0 1,723
ISHARES INC MSCI EMRG CHN 46434G764 333,702 4,943 SH SOLE 3,980 0 963
ISHARES TR INTERNATIONAL SL 46434V266 509,417 12,387 SH SOLE 10,962 0 1,425
ISHARES TR TIPS BD ETF 464287176 263,035 2,365 SH SOLE 1,976 0 389
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 2,575,986 55,505 SH SOLE 48,260 0 7,245
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852 748,884 15,274 SH SOLE 13,210 0 2,064
META PLATFORMS INC CL A 30303M102 2,692,471 3,666 SH SOLE 3,210 0 456
MICROSOFT CORP COM 594918104 2,111,695 4,077 SH SOLE 3,531 0 546
NETFLIX INC COM 64110L106 393,246 328 SH SOLE 245 0 83
NVIDIA CORPORATION COM 67066G104 7,772,017 41,655 SH SOLE 38,606 0 3,049
SPDR SERIES TRUST BLOOMBERG SHT TE 78468R408 854,374 33,374 SH SOLE 28,802 0 4,572
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672 1,567,305 54,232 SH SOLE 43,133 0 11,099
THE CIGNA GROUP COM 125523100 380,781 1,321 SH SOLE 969 0 352
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 7,003,143 116,875 SH SOLE 100,765 0 16,110
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,391,207 25,677 SH SOLE 20,415 0 5,263
VANGUARD INDEX FDS GROWTH ETF 922908736 776,489 1,619 SH SOLE 1,139 0 480
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,704,270 4,416 SH SOLE 3,875 0 541
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 806,855 10,225 SH SOLE 8,990 0 1,235
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,156,032 26,974 SH SOLE 24,151 0 2,823
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,364,074 31,788 SH SOLE 29,139 0 2,649
VISA INC COM CL A 92826C839 647,080 1,895 SH SOLE 1,439 0 457
WALMART INC COM 931142103 153,966,461 1,493,950 SH SOLE 1,040,798 0 453,152
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,913,041 42,551 SH SOLE 34,285 0 8,266
FIRST TR EXCHANGE TRADED FD RBA INDL ETF 33738R704 308,507 3,191 SH SOLE 2,561 0 630
INVESCO EXCH TRD SLF IDX FD RAFI STRATGIC US 46138J742 444,206 8,046 SH SOLE 5,880 0 2,166
NOVARTIS AG SPONSORED ADR 66987V109 280,717 2,189 SH SOLE 2,189 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,061,982 3,095 SH SOLE 2,794 0 301
VALERO ENERGY CORP COM 91913Y100 329,623 1,936 SH SOLE 1,536 0 400
FIRST TR EXCHANGE TRADED FD NASDQ CLN EDGE 33737A108 368,954 2,442 SH SOLE 1,786 0 656
ORACLE CORP COM 68389X105 2,104,442 7,483 SH SOLE 7,287 0 196
TESLA INC COM 88160R101 699,989 1,574 SH SOLE 1,356 0 218
WELLS FARGO CO NEW COM 949746101 501,854 5,987 SH SOLE 5,320 0 667
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 366,729 4,825 SH SOLE 3,714 0 1,111
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 401,157 3,822 SH SOLE 3,168 0 654
INVESCO EXCH TRADED FD TR II S&P SMLCAP QTY 46138G300 228,877 5,319 SH SOLE 4,579 0 740
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 302,607 9,504 SH SOLE 8,763 0 741
ISHARES TR NATIONAL MUN ETF 464288414 2,808,535 26,374 SH SOLE 17,649 0 8,725
ISHARES TR RUS MID CAP ETF 464287499 2,820,998 29,218 SH SOLE 25,855 0 3,363
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827 972,923 40,038 SH SOLE 18,683 0 21,355
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,739,600 12,500 SH SOLE 10,319 0 2,181
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672 1,030,603 35,661 SH SOLE 33,541 0 2,120
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664 1,104,707 40,991 SH SOLE 38,755 0 2,236
VANGUARD WORLD FD COMM SRVC ETF 92204A884 3,912,481 20,841 SH SOLE 18,514 0 2,327
ADOBE INC COM 00724F101 483,885 1,372 SH SOLE 1,142 0 230
AMERICAN EXPRESS CO COM 025816109 303,594 914 SH SOLE 889 0 25
APPLIED MATLS INC COM 038222105 315,504 1,541 SH SOLE 1,374 0 167
BROADCOM INC COM 11135F101 1,105,398 3,351 SH SOLE 2,979 0 372
CHEVRON CORP NEW COM 166764100 208,979 1,346 SH SOLE 998 0 348
COSTCO WHSL CORP NEW COM 22160K105 463,000 500 SH SOLE 418 0 82
DOCUSIGN INC COM 256163106 235,085 3,261 SH SOLE 2,918 0 343
ELI LILLY & CO COM 532457108 304,437 399 SH SOLE 347 0 52
GE AEROSPACE COM NEW 369604301 344,161 1,144 SH SOLE 966 0 178
INTERNATIONAL BUSINESS MACHS COM 459200101 1,567,434 5,555 SH SOLE 5,057 0 499
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 403,650 6,210 SH SOLE 5,254 0 956
NETAPP INC COM 64110D104 316,010 2,668 SH SOLE 2,042 0 626
PAYPAL HLDGS INC COM 70450Y103 226,529 3,378 SH SOLE 3,178 0 200
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 283,155 2,392 SH SOLE 2,248 0 144
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,177,452 27,517 SH SOLE 22,095 0 5,422
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 269,509 5,758 SH SOLE 4,868 0 890
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 780,670 30,200 SH SOLE 27,363 0 2,837
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 2,275,388 29,045 SH SOLE 25,448 0 3,597
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 763,749 8,758 SH SOLE 5,850 0 2,908
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 419,457 7,581 SH SOLE 7,110 0 471
CROWDSTRIKE HLDGS INC CL A 22788C105 274,613 560 SH SOLE 358 0 202
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109 518,152 5,772 SH SOLE 4,746 0 1,026
HEALTHEQUITY INC COM 42226A107 563,029 5,941 SH SOLE 5,936 0 5
PALANTIR TECHNOLOGIES INC CL A 69608A108 492,534 2,700 SH SOLE 1,745 0 955
PALO ALTO NETWORKS INC COM 697435105 204,027 1,002 SH SOLE 870 0 132
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 264,704 8,739 SH SOLE 7,352 0 1,387
EMCOR GROUP INC COM 29084Q100 505,342 778 SH SOLE 693 0 85
SPDR SERIES TRUST PORTFOLIO S&P400 78464A847 576,766 10,085 SH SOLE 7,600 0 2,485
ISHARES TR BROAD USD HIGH 46435U853 419,358 11,100 SH SOLE 10,480 0 620
ISHARES TR CORE US AGGBD ET 464287226 1,981,842 19,769 SH SOLE 17,373 0 2,396
ISHARES TR MBS ETF 464288588 675,565 7,100 SH SOLE 6,335 0 765
ISHARES INC MSCI JPN ETF NEW 46434G822 349,475 4,357 SH SOLE 2,135 0 2,222
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 1,049,857 20,695 SH SOLE 18,948 0 1,747
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 989,758 12,629 SH SOLE 9,725 0 2,904
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853 409,756 8,846 SH SOLE 5,829 0 3,017
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 405,658 1,024 SH SOLE 504 0 520
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 427,480 1,981 SH SOLE 1,206 0 775
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 368,673 1,420 SH SOLE 781 0 639
VANGUARD WORLD FD INF TECH ETF 92204A702 907,155 1,215 SH SOLE 879 0 336
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 533,846 6,347 SH SOLE 5,176 0 1,171
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 704,168 4,034 SH SOLE 2,574 0 1,460
AUTOZONE INC COM 053332102 304,607 71 SH SOLE 51 0 20
BRISTOL-MYERS SQUIBB CO COM 110122108 298,337 6,615 SH SOLE 5,389 0 1,226
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 2,400,729 49,818 SH SOLE 49,192 0 626
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 758,459 16,972 SH SOLE 16,972 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 218,286 4,273 SH SOLE 4,233 0 40
ISHARES TR SHRT NAT MUN ETF 464288158 2,426,575 22,725 SH SOLE 17,320 0 5,405
MCKESSON CORP COM 58155Q103 338,965 439 SH SOLE 342 0 97
SPROUTS FMRS MKT INC COM 85208M102 241,210 2,217 SH SOLE 1,947 0 270
ISHARES TR CORE S&P500 ETF 464287200 2,259,564 3,376 SH SOLE 3,099 0 277
ISHARES TR IBOXX HI YD ETF 464288513 944,077 11,628 SH SOLE 11,048 0 580
JPMORGAN CHASE & CO. COM 46625H100 1,295,471 4,107 SH SOLE 3,972 0 135
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 214,642 5,342 SH SOLE 4,678 0 664
CISCO SYS INC COM 17275R102 283,669 4,146 SH SOLE 3,456 0 690
MERCADOLIBRE INC COM 58733R102 219,672 94 SH SOLE 84 0 10
ISHARES TR AGENCY BOND ETF 464288166 589,817 5,344 SH SOLE 5,262 0 82
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 378,368 8,204 SH SOLE 8,204 0 0
DECKERS OUTDOOR CORP COM 243537107 1,685,783 16,630 SH SOLE 16,610 0 20
TJX COS INC NEW COM 872540109 429,284 2,970 SH SOLE 2,970 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 520,604 2,494 SH SOLE 1,735 0 759
ALPHABET INC CAP STK CL C 02079K107 279,784 1,149 SH SOLE 1,065 0 84
GENERAL DYNAMICS CORP COM 369550108 251,205 737 SH SOLE 694 0 43
EVERCORE INC CLASS A 29977A105 330,236 979 SH SOLE 979 0 0
ISHARES TR GLOBAL TECH ETF 464287291 1,241,410 12,028 SH SOLE 10,868 0 1,160
ISHARES TR RUSSELL 2000 ETF 464287655 938,319 3,878 SH SOLE 3,796 0 82
TRAVELERS COMPANIES INC COM 89417E109 254,090 910 SH SOLE 910 0 0
UNITEDHEALTH GROUP INC COM 91324P102 572,280 1,657 SH SOLE 1,450 0 207
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 200,660 2,000 SH SOLE 2,000 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 433,156 8,651 SH SOLE 5,151 0 3,500
ISHARES TR 7-10 YR TRSY BD 464287440 686,795 7,120 SH SOLE 6,870 0 250
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 1,280,604 40,487 SH SOLE 40,310 0 177
INVESCO QQQ TR UNIT SER 1 46090E103 2,197,955 3,661 SH SOLE 3,661 0 0
AT&T INC COM 00206R102 296,351 10,494 SH SOLE 10,494 0 0
DOW INC COM 260557103 458,944 20,015 SH SOLE 20,015 0 0
UNIVERSAL DISPLAY CORP COM 91347P105 287,260 2,000 SH SOLE 2,000 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 116,000 10,000 SH SOLE 10,000 0 0
ISHARES TR CORE S&P US VLU 464287663 1,222,440 12,231 SH SOLE 9,055 0 3,176
ISHARES TR US TELECOM ETF 464287713 257,338 7,977 SH SOLE 1,727 0 6,250
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 288,113 3,250 SH SOLE 0 0 3,250
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 552,192 9,600 SH SOLE 9,600 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 230,895 750 SH SOLE 750 0 0
FIDELITY WISE ORIGIN BITCOIN SHS 315948109 257,510 2,580 SH SOLE 0 0 2,580
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 245,805 2,625 SH SOLE 2,625 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 269,175 448 SH SOLE 423 0 25
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 440,553 950 SH SOLE 850 0 100
ISHARES TR EAFE GRWTH ETF 464288885 594,909 5,224 SH SOLE 4,587 0 637
ISHARES TR DOW JONES US ETF 464287846 828,638 5,100 SH SOLE 5,100 0 0
SHELL PLC SPON ADS 780259305 216,593 3,028 SH SOLE 3,028 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 308,110 2,200 SH SOLE 2,200 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 754,200 1 SH SOLE 1 0 0