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 1,061,669 4,219 SH DFND 1,2 0 738 3,481
ADVANCED MICRO DEVICES INC COM 007903107 3,405,294 5,862 SH DFND 1,2 0 1,071 4,791
ALPHABET INC CAP STK CL C 02079K107 2,853,854 8,077 SH DFND 1,2 0 947 7,130
ALPHABET INC CAP STK CL A 02079K305 3,800,987 10,636 SH DFND 1,2 0 5,742 4,894
AMAZON COM INC COM 023135106 2,694,434 11,305 SH DFND 1,2 0 7,051 4,254
AMERICAN ELEC PWR CO INC COM 025537101 201,384 1,472 SH DFND 1,2 0 341 1,131
AMERICAN EXPRESS CO COM 025816109 219,524 649 SH DFND 1,2 0 435 214
APPLE INC COM 037833100 9,188,788 31,756 SH DFND 1,2 0 9,402 22,354
APPLIED MATLS INC COM 038222105 379,575 525 SH DFND 1,2 0 525 0
AVAX ONE TECHNOLOGY LTD COM NEW 05353F207 56,919 10,967 SH SOLE 0 0 10,967
BANK OF AMER CORP COM 060505104 461,301 8,096 SH DFND 1,2 0 4,581 3,515
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,497,700 2 SH SOLE 0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,239,966 2,478 SH DFND 1,2 0 1,384 1,094
BRISTOL-MYERS SQUIBB CO COM 110122108 225,121 3,907 SH DFND 1,2 0 3,611 296
BROADCOM INC COM 11135F101 1,331,946 3,526 SH DFND 1,2 0 3,009 517
BROOKFIELD CORP CL A LTD VT SH 11271J107 215,833 5,060 SH SOLE 0 0 5,060
CAPITAL ONE FINL CORP COM 14040H105 295,914 1,475 SH DFND 1,2 0 905 570
CATERPILLAR INC COM 149123101 671,952 631 SH DFND 1,2 0 232 399
CENTENE CORP DEL COM 15135B101 214,395 3,340 SH DFND 1,2 0 3,340 0
CHEVRON CORPORATION COM 166764100 322,237 1,944 SH DFND 1,2 0 1,205 739
CHUBB LIMITED COM H1467J104 267,951 786 SH DFND 1,2 0 629 157
CISCO SYS INC COM 17275R102 425,425 3,622 SH DFND 1,2 0 2,965 657
COCA COLA CO COM 191216100 254,695 3,113 SH DFND 1,2 0 1,704 1,409
COLGATE PALMOLIVE CO COM 194162103 492,230 5,369 SH DFND 1,2 0 869 4,500
COMFORT SYS USA INC COM 199908104 334,950 169 SH DFND 1,2 0 169 0
COSTCO WHOLESALE CORPORATION COM 22160K105 496,735 531 SH DFND 1,2 0 476 55
D R HORTON INC COM 23331A109 370,226 2,273 SH DFND 1,2 0 273 2,000
DIGITAL RLTY TR INC COM 253868103 550,772 3,067 SH DFND 1,2 0 129 2,938
DISNEY WALT CO COM 254687106 1,376,721 14,193 SH DFND 1,2 0 894 13,299
EATON CORP PLC SHS G29183103 411,206 965 SH DFND 1 0 375 590
ELI LILLY & CO COM 532457108 2,572,126 2,144 SH DFND 1,2 0 437 1,707
ENBRIDGE INC COM 29250N105 226,187 4,172 SH SOLE 0 0 4,172
ENTERPRISE PRODS PARTNERS L COM 293792107 344,956 9,384 SH SOLE 0 0 9,384
EXXON MOBIL CORP COM 30231G102 269,633 1,972 SH DFND 1,2 0 1,796 176
META PLATFORMS INC CL A 30303M102 1,816,969 3,226 SH DFND 1,2 0 1,596 1,630
FEDEX CORP COM 31428X106 254,152 808 SH DFND 1,2 0 308 500
GE VERNOVA INC COM 36828A101 342,030 291 SH DFND 1,2 0 273 18
GE AEROSPACE COM NEW 369604301 356,165 953 SH DFND 1,2 0 811 142
GOLDMAN SACHS GROUP INC COM 38141G104 489,141 484 SH DFND 1,2 0 276 208
HOME DEPOT INC COM 437076102 571,270 1,620 SH DFND 1,2 0 1,321 299
INTEL CORP COM 458140100 1,321,179 9,462 SH DFND 1,2 0 2,890 6,572
INTERNATIONAL BUSINESS MACHS COM 459200101 205,283 730 SH DFND 1,2 0 664 66
ISHARES TR 0-3 MTH TREASURY 46436E718 70,072,950 696,066 SH SOLE 0 0 696,066
ISHARES TR CORE MSCI EAFE 46432F842 13,916,405 144,092 SH SOLE 0 0 144,092
ISHARES GOLD TR ISHARES NEW 464285204 9,500,366 125,816 SH SOLE 0 0 125,816
ISHARES TR LATN AMER 40 ETF 464287390 7,359,458 218,058 SH DFND 2 0 904 217,154
ISHARES TR MSCI EAFE ETF 464287465 250,039 2,407 SH SOLE 0 0 2,407
ISHARES TR S&P 500 VAL ETF 464287408 207,306 913 SH SOLE 0 0 913
ISHARES TR 7-10 YR TRSY BD 464287440 472,850 5,000 SH SOLE 0 0 5,000
ISHARES TR 1 3 YR TREAS BD 464287457 397,741 4,844 SH SOLE 0 0 4,844
ISHARES TR RUS 1000 ETF 464287622 756,756 1,848 SH SOLE 0 0 1,848
ISHARES TR SHRT NAT MUN ETF 464288158 205,274 1,928 SH SOLE 0 0 1,928
JOHNSON & JOHNSON COM 478160104 672,259 2,647 SH DFND 1,2 0 1,576 1,071
JPMORGAN CHASE & CO COM 46625H100 1,532,886 4,683 SH DFND 1,2 0 1,797 2,886
LAM RESEARCH CORP COM NEW 512807306 525,945 1,213 SH DFND 1,2 0 1,213 0
LENNAR CORP CL A 526057104 420,598 4,648 SH DFND 1,2 0 564 4,084
LOCKHEED MARTIN CORP COM 539830109 891,555 1,750 SH DFND 1,2 0 183 1,567
MARATHON PETE CORP COM 56585A102 200,445 784 SH DFND 1,2 0 784 0
MASTERCARD INCORPORATED CL A 57636Q104 1,644,547 3,202 SH DFND 1,2 0 496 2,706
MCDONALDS CORP COM 580135101 509,805 1,886 SH DFND 1,2 0 217 1,669
MERCK & CO INC COM 58933Y105 540,554 4,179 SH DFND 1,2 0 2,319 1,860
MICRON TECHNOLOGY INC COM 595112103 1,474,028 1,277 SH DFND 1,2 0 1,068 209
MICROSOFT CORP COM 594918104 4,572,465 12,258 SH DFND 1,2 0 5,416 6,842
MORGAN STANLEY COM NEW 617446448 654,713 3,132 SH DFND 1,2 0 795 2,337
MOTOROLA SOLUTIONS INC COM NEW 620076307 477,309 1,146 SH DFND 1,2 0 19 1,127
NETFLIX INC. COM 64110L106 221,126 3,097 SH DFND 1,2 0 2,647 450
NEXTERA ENERGY INC COM 65339F101 273,140 3,112 SH DFND 1,2 0 3,021 91
NORWEGIAN CRUISE LINE HLDGS SHS G66721104 312,534 14,805 SH SOLE 0 0 14,805
NVIDIA CORPORATION COM 67066G104 5,111,334 25,545 SH DFND 1,2 0 19,093 6,452
ORACLE CORP COM 68389X105 235,652 1,608 SH DFND 1,2 0 987 621
PACCAR INC COM 693718108 495,615 4,126 SH DFND 1,2 0 288 3,838
PALANTIR TECHNOLOGIES INC CL A 69608A108 204,523 1,753 SH DFND 1,2 0 1,108 645
PALO ALTO NETWORKS INC COM 697435105 349,546 1,025 SH DFND 1,2 0 699 326
PG&E CORP COM 69331C108 180,711 10,712 SH DFND 1,2 0 10,712 0
PHILIP MORRIS INTL INC COM 718172109 607,508 3,331 SH DFND 1,2 0 742 2,589
PROCTER & GAMBLE CO COM 742718109 457,810 3,122 SH DFND 1,2 0 908 2,214
PULTE GROUP INC COM 745867101 285,122 2,074 SH DFND 1 0 66 2,008
QUALCOMM INC COM 747525103 453,290 2,453 SH DFND 1,2 0 602 1,851
RTX CORPORATION COM 75513E101 446,055 2,351 SH DFND 1,2 0 2,060 291
SANDISK CORP COM 80004C200 268,300 118 SH DFND 1,2 0 118 0
SLB LIMITED COM STK 806857108 204,872 4,379 SH DFND 1 0 1,179 3,200
SEACOAST BKG CORP FLA COM NEW 811707801 373,198 11,224 SH SOLE 0 0 11,224
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 240,469 249 SH DFND 1,2 0 249 0
SPDR GOLD TR GOLD SHS 78463V107 23,307,771 63,271 SH DFND 2 0 373 62,898
STARBUCKS CORP COM 855244109 226,555 2,217 SH DFND 1,2 0 446 1,771
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 6,236,540 8,330 SH SOLE 0 0 8,330
TESLA INC COM 88160R101 1,102,393 2,621 SH DFND 1,2 0 1,923 698
TOLL BROTHERS INC COM 889478103 348,282 2,114 SH DFND 1 0 114 2,000
TORONTO DOMINION BK ONT COM NEW 891160509 304,061 2,504 SH SOLE 0 0 2,504
TRAVELERS COMPANIES INC COM 89417E109 226,792 687 SH DFND 1,2 0 687 0
UNITEDHEALTH GROUP INC COM 91324P102 364,923 878 SH DFND 1,2 0 762 116
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 20,593,281 289,029 SH SOLE 0 0 289,029
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,591,049 160,681 SH DFND 2 0 525 160,156
VANGUARD INDEX FDS GROWTH ETF 922908736 232,578 2,700 SH SOLE 0 0 2,700
VANGUARD INDEX FDS MID CAP ETF 922908629 4,174,009 51,806 SH SOLE 0 0 51,806
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 10,921,662 113,260 SH SOLE 0 0 113,260
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,792,565 5,522 SH SOLE 0 0 5,522
VANGUARD INDEX FDS TOTAL STK MKT 922908769 116,859,285 315,802 SH DFND 2 0 331 315,471
VANGUARD INDEX FDS VALUE ETF 922908744 671,224 3,080 SH SOLE 0 0 3,080
VISA INC COM CL A 92826C839 941,439 2,744 SH DFND 1,2 0 1,084 1,660
WALMART INC COM 931142103 503,441 4,445 SH DFND 1,2 0 3,785 660
WELLS FARGO & CO COM 949746101 397,085 4,805 SH DFND 1,2 0 4,105 700
WESTERN DIGITAL CORP COM 958102105 298,921 468 SH DFND 1,2 0 468 0