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
3M CO COM 88579Y101 481,916 3,306 SH SOLE 0 0 0 3,306
ABBVIE INC COM 00287Y109 1,748,466 8,858 SH SOLE 0 0 0 8,858
ALPHABET INC CAP STK CL C 02079K107 3,819,061 10,958 SH SOLE 0 0 0 10,958
ALPHABET INC CAP STK CL A 02079K305 7,096,263 20,255 SH SOLE 0 0 0 20,255
ALPS ETF TR ALERIAN MLP 00162Q452 241,893 4,650 SH SOLE 0 0 0 4,650
AMAZON COM INC COM 023135106 5,017,682 19,216 SH SOLE 0 0 0 19,216
AMERICAN CENTY ETF TR US SML CP VALU 025072877 211,710 1,770 SH SOLE 0 0 0 1,770
AMGEN INC COM 031162100 1,500,208 4,410 SH SOLE 0 0 0 4,410
APPLE INC COM 037833100 9,198,440 34,373 SH SOLE 0 0 0 34,373
AT&T INC COM 00206R102 897,075 35,152 SH SOLE 0 0 0 35,152
BANK AMERICA CORP COM 060505104 1,925,631 36,588 SH SOLE 0 0 0 36,588
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,241,126 2,625 SH SOLE 0 0 0 2,625
BOEING CO COM 097023105 824,836 3,566 SH SOLE 0 0 0 3,566
BROADCOM INC COM 11135F101 353,379 845 SH SOLE 0 0 0 845
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 653,624 14,178 SH SOLE 0 0 0 14,178
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 665,837 14,879 SH SOLE 0 0 0 14,879
CATERPILLAR INC COM 149123101 1,772,782 2,139 SH SOLE 0 0 0 2,139
CHEVRON CORPORATION COM 166764100 2,473,418 13,386 SH SOLE 0 0 0 13,386
CISCO SYS INC COM 17275R102 1,518,866 17,209 SH SOLE 0 0 0 17,209
CITIGROUP INC COM NEW 172967424 556,723 4,311 SH SOLE 0 0 0 4,311
CLOROX CO DEL COM 189054109 261,175 2,702 SH SOLE 0 0 0 2,702
COCA COLA CO COM 191216100 3,520,270 46,663 SH SOLE 0 0 0 46,663
CONOCOPHILLIPS COM 20825C104 360,725 2,965 SH SOLE 0 0 0 2,965
COSTCO WHOLESALE CORPORATION COM 22160K105 6,305,006 6,318 SH SOLE 0 0 0 6,318
CVS HEALTH CORP COM 126650100 290,637 3,709 SH SOLE 0 0 0 3,709
DEERE & CO COM 244199105 231,618 408 SH SOLE 0 0 0 408
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 267,412 6,784 SH SOLE 0 0 0 6,784
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 262,925 6,831 SH SOLE 0 0 0 6,831
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 546,513 10,672 SH SOLE 0 0 0 10,672
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 280,180 6,901 SH SOLE 0 0 0 6,901
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,809,790 42,815 SH SOLE 0 0 0 42,815
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 707,281 13,076 SH SOLE 0 0 0 13,076
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 756,293 20,881 SH SOLE 0 0 0 20,881
DISNEY WALT CO COM 254687106 920,505 8,994 SH SOLE 0 0 0 8,994
DOW HLDGS INC COM 260557103 325,350 8,539 SH SOLE 0 0 0 8,539
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532 1,453,760 52,645 SH SOLE 0 0 0 52,645
EBAY INC. COM 278642103 430,846 4,296 SH SOLE 0 0 0 4,296
ELI LILLY & CO COM 532457108 340,362 392 SH SOLE 0 0 0 392
EMERSON ELEC CO COM 291011104 455,168 3,217 SH SOLE 0 0 0 3,217
ENTERPRISE PRODS PARTNERS L COM 293792107 326,934 8,554 SH SOLE 0 0 0 8,554
EXXON MOBIL CORP COM 30231G102 8,602,010 58,047 SH SOLE 0 0 0 58,047
FEDEX CORP COM 31428X106 1,615,950 4,166 SH SOLE 0 0 0 4,166
GENERAL MILLS INC COM 370334104 210,901 6,074 SH SOLE 0 0 0 6,074
GILEAD SCIENCES INC COM 375558103 538,466 4,215 SH SOLE 0 0 0 4,215
HOME DEPOT INC COM 437076102 2,031,910 6,115 SH SOLE 0 0 0 6,115
HONEYWELL INTL INC COM 438516106 1,133,747 5,347 SH SOLE 0 0 0 5,347
INDEPENDENCE RLTY TR INC COM 45378A106 415,094 26,222 SH SOLE 0 0 0 26,222
INTERNATIONAL BUSINESS MACHS COM 459200101 980,615 4,300 SH SOLE 0 0 0 4,300
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 265,963 972 SH SOLE 0 0 0 972
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 24,391,041 120,873 SH SOLE 0 0 0 120,873
INVESCO QQQ TR UNIT SER 1 46090E103 6,413,120 9,655 SH SOLE 0 0 0 9,655
ISHARES TR RUS 2000 GRW ETF 464287648 220,783 617 SH SOLE 0 0 0 617
ISHARES TR CORE S&P SCP ETF 464287804 4,458,006 32,645 SH SOLE 0 0 0 32,645
ISHARES TR SP SMCP600VL ETF 464287879 1,602,485 12,417 SH SOLE 0 0 0 12,417
ISHARES TR S&P 500 VAL ETF 464287408 240,085 1,091 SH SOLE 0 0 0 1,091
ISHARES TR CORE S&P500 ETF 464287200 747,346 1,040 SH SOLE 0 0 0 1,040
ISHARES TR RUS 1000 GRW ETF 464287614 375,793 783 SH SOLE 0 0 0 783
ISHARES TR RUSSELL 2000 ETF 464287655 1,216,652 4,390 SH SOLE 0 0 0 4,390
ISHARES TR RUS 2000 VAL ETF 464287630 282,229 1,358 SH SOLE 0 0 0 1,358
ISHARES TR CORE S&P US VLU 464287663 1,664,619 15,610 SH SOLE 0 0 0 15,610
ISHARES TR CORE S&P US GWT 464287671 1,412,267 7,914 SH SOLE 0 0 0 7,914
ISHARES TR 1 3 YR TREAS BD 464287457 3,809,285 46,145 SH SOLE 0 0 0 46,145
ISHARES TR RUS MID CAP ETF 464287499 221,610 2,136 SH SOLE 0 0 0 2,136
ISHARES TR RUS MD CP GR ETF 464287481 273,877 2,015 SH SOLE 0 0 0 2,015
ISHARES TR RUS MDCP VAL ETF 464287473 1,264,912 8,123 SH SOLE 0 0 0 8,123
ISHARES TR EAFE VALUE ETF 464288877 253,072 3,309 SH SOLE 0 0 0 3,309
ISHARES TR TRUST ISHARE 0-1 464288679 2,683,636 24,317 SH SOLE 0 0 0 24,317
ISHARES TR MSCI EMG MKT ETF 464287234 226,495 3,559 SH SOLE 0 0 0 3,559
ISHARES TR CORE MSCI TOTAL 46432F834 1,211,924 13,095 SH SOLE 0 0 0 13,095
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 412,248 7,226 SH SOLE 0 0 0 7,226
JOHNSON & JOHNSON COM 478160104 2,954,090 13,109 SH SOLE 0 0 0 13,109
JPMORGAN CHASE & CO COM 46625H100 3,486,711 11,189 SH SOLE 0 0 0 11,189
KIMBERLY-CLARK CORP COM 494368103 528,382 5,378 SH SOLE 0 0 0 5,378
KINDER MORGAN INC DEL COM 49456B101 979,010 31,632 SH SOLE 0 0 0 31,632
KRAFT HEINZ CO COM 500754106 351,619 16,041 SH SOLE 0 0 0 16,041
LISTED FDS TR HORIZON KINETICS 53656F623 378,075 7,108 SH SOLE 0 0 0 7,108
LOCKHEED MARTIN CORP COM 539830109 1,624,879 3,165 SH SOLE 0 0 0 3,165
MCDONALDS CORP COM 580135101 623,081 2,147 SH SOLE 0 0 0 2,147
MERCK & CO INC COM 58933Y105 1,275,802 11,574 SH SOLE 0 0 0 11,574
META PLATFORMS INC CL A 30303M102 396,993 585 SH SOLE 0 0 0 585
METLIFE INC COM 59156R108 262,680 3,382 SH SOLE 0 0 0 3,382
MICROSOFT CORP COM 594918104 2,315,051 5,449 SH SOLE 0 0 0 5,449
MOHAWK INDS INC COM 608190104 217,870 2,025 SH SOLE 0 0 0 2,025
NEWMONT CORP COM 651639106 239,705 2,065 SH SOLE 0 0 0 2,065
NIKE INC CL B 654106103 367,274 8,136 SH SOLE 0 0 0 8,136
NUVEEN PFD & INCOME OPPORTUN COM 67073B106 95,640 12,000 SH SOLE 0 0 0 12,000
NUVEEN QUALITY MUNCP INCOME COM 67066V101 176,250 15,000 SH SOLE 0 0 0 15,000
NVIDIA CORPORATION COM 67066G104 1,459,767 6,739 SH SOLE 0 0 0 6,739
ORACLE CORP COM 68389X105 251,657 1,455 SH SOLE 0 0 0 1,455
PAYCHEX INC COM 704326107 1,014,950 11,286 SH SOLE 0 0 0 11,286
PEPSICO INC COM 713448108 1,429,962 9,279 SH SOLE 0 0 0 9,279
PFIZER INC COM 717081103 380,982 14,221 SH SOLE 0 0 0 14,221
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 615,779 6,117 SH SOLE 0 0 0 6,117
PROCTER & GAMBLE CO COM 742718109 807,349 5,440 SH SOLE 0 0 0 5,440
PRUDENTIAL FINL INC COM 744320102 798,812 8,357 SH SOLE 0 0 0 8,357
RTX CORPORATION COM 75513E101 229,308 1,323 SH SOLE 0 0 0 1,323
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 23,395,565 847,358 SH SOLE 0 0 0 847,358
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,544,564 58,796 SH SOLE 0 0 0 58,796
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 885,951 27,370 SH SOLE 0 0 0 27,370
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,221,146 39,227 SH SOLE 0 0 0 39,227
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 4,224,650 174,069 SH SOLE 0 0 0 174,069
SELECT SECTOR SPDR TR STATE STREET ENE 81369Y506 1,167,929 20,573 SH SOLE 0 0 0 20,573
SELECT SECTOR SPDR TR STATE STREET FIN 81369Y605 1,363,488 26,317 SH SOLE 0 0 0 26,317
SELECT SECTOR SPDR TR STATE STREET IND 81369Y704 4,185,922 24,265 SH SOLE 0 0 0 24,265
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 1,396,959 8,700 SH SOLE 0 0 0 8,700
SERVICENOW INC COM 81762P102 231,552 2,560 SH SOLE 0 0 0 2,560
SLB LIMITED COM STK 806857108 350,821 6,352 SH SOLE 0 0 0 6,352
SMUCKER J M CO COM NEW 832696405 243,568 2,555 SH SOLE 0 0 0 2,555
SPDR GOLD TR GOLD SHS 78463V107 608,724 1,416 SH SOLE 0 0 0 1,416
SPDR SERIES TRUST STATE STREET SPD 78468R663 1,768,167 19,299 SH SOLE 0 0 0 19,299
SSGA ACTIVE ETF TR STATE STREET DOU 78467V848 772,173 19,367 SH SOLE 0 0 0 19,367
STARBUCKS CORP COM 855244109 645,976 6,599 SH SOLE 0 0 0 6,599
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 321,165 653 SH SOLE 0 0 0 653
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 20,314,569 28,405 SH SOLE 0 0 0 28,405
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 5,451,502 8,200 SH SOLE 0 0 0 8,200
STELLAR BANCORP INC COM 858927106 1,817,321 48,384 SH SOLE 0 0 0 48,384
TARGET CORP COM 87612E106 239,119 1,843 SH SOLE 0 0 0 1,843
TJX COS INC NEW COM 872540109 4,763,802 30,250 SH SOLE 0 0 0 30,250
UBER TECHNOLOGIES INC COM 90353T100 305,995 4,012 SH SOLE 0 0 0 4,012
UNION PAC CORP COM 907818108 1,387,165 5,158 SH SOLE 0 0 0 5,158
UNITED PARCEL SVCS INC CL B 911312106 1,004,671 9,282 SH SOLE 0 0 0 9,282
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 420,921 5,368 SH SOLE 0 0 0 5,368
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 386,336 5,239 SH SOLE 0 0 0 5,239
VANGUARD INDEX FDS LARGE CAP ETF 922908637 10,343,520 31,463 SH SOLE 0 0 0 31,463
VANGUARD INDEX FDS VALUE ETF 922908744 3,518,751 17,295 SH SOLE 0 0 0 17,295
VANGUARD INDEX FDS MID CAP ETF 922908629 359,313 4,692 SH SOLE 0 0 0 4,692
VANGUARD INDEX FDS SMALL CP ETF 922908751 343,736 1,212 SH SOLE 0 0 0 1,212
VANGUARD INDEX FDS GROWTH ETF 922908736 9,291,036 111,283 SH SOLE 0 0 0 111,283
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 8,552,938 13,008 SH SOLE 0 0 0 13,008
VANGUARD INDEX FDS TOTAL STK MKT 922908769 13,619,597 38,634 SH SOLE 0 0 0 38,634
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 639,727 10,750 SH SOLE 0 0 0 10,750
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 433,970 7,413 SH SOLE 0 0 0 7,413
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,703,811 11,964 SH SOLE 0 0 0 11,964
VANGUARD STAR FDS VG TL INTL STK F 921909768 5,165,696 62,736 SH SOLE 0 0 0 62,736
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,135,075 16,675 SH SOLE 0 0 0 16,675
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,035,295 6,697 SH SOLE 0 0 0 6,697
VERIZON COMMUNICATIONS INC COM 92343V104 1,777,542 37,740 SH SOLE 0 0 0 37,740
VISA INC COM CL A 92826C839 1,032,142 3,333 SH SOLE 0 0 0 3,333
WALMART INC COM 931142103 3,435,707 26,928 SH SOLE 0 0 0 26,928
WILLIAMS COS INC COM 969457100 250,635 3,500 SH SOLE 0 0 0 3,500
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 700,097 13,916 SH SOLE 0 0 0 13,916
WYNN RESORTS LTD COM 983134107 241,618 2,290 SH SOLE 0 0 0 2,290