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
COSTCO WHOLESALE CORPORATION COM 22160K105 202,062 216 SH SOLE 4 0 212
U S PHYSICAL THERAPY COM 90337L108 208,787 3,040 SH SOLE 0 0 3,040
NUTRIEN LTD COM 67077M108 210,694 3,347 SH SOLE 845 0 2,502
KB HOME COM 48666K109 212,243 3,391 SH SOLE 0 0 3,391
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 218,765 4,878 SH SOLE 106 0 4,772
BANK AMERICA CORP COM 060505104 230,826 4,051 SH SOLE 58 0 3,993
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 231,249 5,213 SH SOLE 0 0 5,213
DIAGEO PLC SPON ADR NEW 25243Q205 231,977 2,886 SH SOLE 500 0 2,386
WATERS CORP COM 941848103 239,276 638 SH SOLE 0 0 638
SEA LTD SPONSORD ADS 81141R100 244,558 2,552 SH SOLE 400 0 2,152
GAMBLING COM GROUP LIMITED ORDINARY SHARES G3R239101 256,500 135,000 SH SOLE 0 0 135,000
BOEING CO COM 097023105 261,063 1,206 SH SOLE 318 0 888
HERITAGE GLOBAL INC COM 42727E103 268,820 222,165 SH SOLE 0 0 222,165
HUBSPOT INC COM 443573100 269,385 1,476 SH SOLE 260 0 1,216
PETROLEO BRASILEIRO S A SPONSORED ADR 71654V408 273,783 16,942 SH SOLE 0 0 16,942
UNITY SOFTWARE INC COM 91332U101 275,140 9,627 SH SOLE 1,701 0 7,926
ISHARES TR 7-10 YR TRSY BD 464287440 275,293 2,911 SH SOLE 1,013 0 1,898
MERCADOLIBRE INC COM 58733R102 275,402 162 SH SOLE 42 0 120
SIMON PPTY GROUP INC NEW COM 828806109 276,879 1,238 SH SOLE 430 0 808
ISHARES TR RUSSELL 3000 ETF 464287689 280,571 658 SH SOLE 0 0 658
RB GLOBAL INC COM 74935Q107 286,985 2,464 SH SOLE 242 0 2,222
APTARGROUP INC COM 038336103 305,958 2,444 SH SOLE 300 0 2,144
NASDAQ INC COM 631103108 307,556 3,902 SH SOLE 384 0 3,518
TYSON FOODS INC CL A 902494103 312,929 5,466 SH SOLE 249 0 5,217
SPDR SERIES TRUST STATE STREET SPD 78464A656 313,065 12,191 SH SOLE 3,670 0 8,521
VANGUARD WORLD FD MEGA GRWTH IND 921910816 313,399 3,565 SH SOLE 2,545 0 1,020
YUM CHINA HLDGS INC COM 98850P109 316,170 7,736 SH SOLE 0 0 7,736
CHUBB LTD SWITZ COM H1467J104 321,318 943 SH SOLE 0 0 943
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 327,833 3,981 SH SOLE 0 0 3,981
SELLAS LIFE SCIENCES GROUP I COM NEW 81642T209 332,100 22,500 SH SOLE 0 0 22,500
RPM INTL INC COM 749685103 332,339 2,990 SH SOLE 500 0 2,490
ISHARES TR CMBS ETF 46429B366 336,026 6,907 SH SOLE 1,925 0 4,982
GILEAD SCIENCES INC COM 375558103 336,822 2,666 SH SOLE 315 0 2,351
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 340,622 9,875 SH SOLE 2,809 0 7,066
TJX COS INC NEW COM 872540109 341,266 2,253 SH SOLE 0 0 2,253
WHITESTONE REIT COM 966084204 341,280 18,000 SH SOLE 11,100 0 6,900
TRANSUNION COM 89400J107 350,240 4,855 SH SOLE 1,250 0 3,605
BECTON DICKINSON & CO COM 075887109 350,329 2,315 SH SOLE 0 0 2,315
CSX CORP COM 126408103 351,912 7,404 SH SOLE 0 0 7,404
EBAY INC. COM 278642103 354,583 3,173 SH SOLE 158 0 3,015
PAYPAL HLDGS INC COM 70450Y103 356,710 8,261 SH SOLE 2,522 0 5,739
SCOTTS MIRACLE-GRO CO CL A 810186106 369,974 5,432 SH SOLE 1,250 0 4,182
SPOTIFY TECHNOLOGY S A SHS L8681T102 370,977 808 SH SOLE 190 0 618
ADOBE INC COM 00724F101 374,572 1,827 SH SOLE 155 0 1,672
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 377,368 4,775 SH SOLE 268 0 4,507
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 379,295 7,021 SH SOLE 0 0 7,021
EZCORP INC CL A NON VTG 302301106 380,270 11,000 SH SOLE 0 0 11,000
AON PLC SHS CL A G0403H108 388,409 1,171 SH SOLE 0 0 1,171
SHOPIFY INC CL A SUB VTG SHS 82509L107 391,181 3,426 SH SOLE 1,542 0 1,884
INTEL CORP COM 458140100 392,500 2,811 SH SOLE 1,454 0 1,357
VALE S A SPONSORED ADS 91912E105 399,868 26,587 SH SOLE 0 0 26,587
H2O AMERICA COM 784305104 410,988 6,763 SH SOLE 0 0 6,763
PHILIP MORRIS INTL INC COM 718172109 416,937 2,305 SH SOLE 0 0 2,305
SYSCO CORP COM 871829107 423,583 5,068 SH SOLE 1,100 0 3,968
CHEVRON CORPORATION COM 166764100 425,672 2,568 SH SOLE 0 0 2,568
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 431,671 7,847 SH SOLE 0 0 7,847
VANGUARD INDEX FDS SM CP VAL ETF 922908611 452,204 1,861 SH SOLE 256 0 1,605
LOCKHEED MARTIN CORP COM 539830109 461,061 905 SH SOLE 0 0 905
LOEWS CORP COM 540424108 464,168 4,100 SH SOLE 0 0 4,100
ISHARES TR IBOXX INV CP ETF 464287242 468,456 4,295 SH SOLE 1,312 0 2,983
SCHWAB CHARLES CORP COM 808513105 474,729 5,145 SH SOLE 0 0 5,145
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 476,383 5,814 SH SOLE 0 0 5,814
BJS WHSL CLUB HLDGS INC COM 05550J101 488,432 5,600 SH SOLE 1,251 0 4,349
ACME UTD CORP COM 004816104 492,900 10,329 SH SOLE 0 0 10,329
COLGATE PALMOLIVE CO COM 194162103 506,440 5,524 SH SOLE 0 0 5,524
KINDER MORGAN INC DEL COM 49456B101 508,835 15,916 SH SOLE 2,741 0 13,175
STATE STR CORP COM 857477103 513,888 3,030 SH SOLE 0 0 3,030
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 525,131 7,513 SH SOLE 0 0 7,513
DHI GROUP INC COM 23331S100 532,378 143,498 SH SOLE 0 0 143,498
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 532,973 8,929 SH SOLE 251 0 8,678
ELI LILLY & CO COM 532457108 533,746 445 SH SOLE 0 0 445
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 541,179 1,786 SH SOLE 19 0 1,767
BHP BILLITON LIMITED SPONSORED ADS 088606108 548,930 6,589 SH SOLE 452 0 6,137
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 551,981 16,581 SH SOLE 3,935 0 12,646
SLB LIMITED COM STK 806857108 552,348 11,881 SH SOLE 0 0 11,881
SPDR GOLD TR GOLD SHS 78463V107 563,990 1,531 SH SOLE 9 0 1,522
J & J SNACK FOODS CORP COM 466032109 574,159 7,817 SH SOLE 600 0 7,217
AMERICAN TOWER CORP COM 03027X100 592,571 3,623 SH SOLE 1,090 0 2,533
MIDDLEBY CORP COM 596278101 625,256 3,635 SH SOLE 5 0 3,630
CME GROUP INC COM 12572Q105 639,745 2,897 SH SOLE 13 0 2,884
NETFLIX INC. COM 64110L106 644,956 9,033 SH SOLE 1,340 0 7,693
CANADIAN NAT RES LTD MED TER COM 136385101 648,748 16,424 SH SOLE 2,500 0 13,924
CITIGROUP INC COM NEW 172967424 649,939 4,644 SH SOLE 981 0 3,663
AES CORP COM 00130H105 669,390 45,661 SH SOLE 0 0 45,661
APPLE INC COM 037833100 677,168 2,340 SH SOLE 941 0 1,399
EXXON MOBIL CORP COM 30231G102 684,420 5,006 SH SOLE 0 0 5,006
ZOETIS INC CL A 98978V103 722,912 10,060 SH SOLE 1,000 0 9,060
KLA CORP COM NEW 482480100 724,104 2,400 SH SOLE 0 0 2,400
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 724,361 2,365 SH SOLE 661 0 1,704
FACTSET RESH SYS INC COM 303075105 728,893 3,168 SH SOLE 250 0 2,918
ABM INDS INC COM 000957100 735,534 16,626 SH SOLE 1,000 0 15,626
INTUIT COM 461202103 736,020 2,820 SH SOLE 250 0 2,570
ABBOTT LABORATORIES COM 002824100 740,824 8,164 SH SOLE 792 0 7,372
SMITH A O CORP COM 831865209 751,511 11,982 SH SOLE 1,100 0 10,882
TARGET CORP COM 87612E106 772,819 5,917 SH SOLE 0 0 5,917
INTERNATIONAL BUSINESS MACHS COM 459200101 774,452 2,754 SH SOLE 308 0 2,446
ESSENTIAL UTILS INC COM 29670G102 801,445 20,920 SH SOLE 2,000 0 18,920
AIR PRODUCTS AND CHEMICALS I COM 009158106 805,659 2,748 SH SOLE 0 0 2,748
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 807,780 5,235 SH SOLE 107 0 5,128
BROADCOM INC COM 11135F101 808,385 2,140 SH SOLE 0 0 2,140
BAIDU INC SPON ADR REP A 056752108 811,459 7,100 SH SOLE 438 0 6,662
ISHARES TR MRGSTR MD CP GRW 464288307 814,121 8,282 SH SOLE 977 0 7,305
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803 815,136 4,278 SH SOLE 152 0 4,126
ISHARES TR CRE U S REIT ETF 464288521 817,433 12,301 SH SOLE 64 0 12,237
PFIZER INC COM 717081103 822,838 34,171 SH SOLE 1,273 0 32,898
TESLA INC COM 88160R101 882,475 2,098 SH SOLE 562 0 1,536
AMERICAN EXPRESS CO COM 025816109 895,371 2,647 SH SOLE 51 0 2,596
JOHNSON & JOHNSON COM 478160104 903,625 3,558 SH SOLE 461 0 3,097
ISHARES TR CONV BD ETF 46435G102 909,065 7,467 SH SOLE 1,324 0 6,143
AFLAC INC COM 001055102 911,971 7,778 SH SOLE 0 0 7,778
NEWTEKONE INC COM NEW 652526203 922,441 62,285 SH SOLE 0 0 62,285
ISHARES TR 0-5 YR TIPS ETF 46429B747 952,159 9,320 SH SOLE 223 0 9,097
LENNAR CORP CL A 526057104 966,976 10,686 SH SOLE 670 0 10,016
CANADIAN NATL RY CO COM 136375102 973,111 8,161 SH SOLE 411 0 7,750
AUTOMATIC DATA PROCESSING IN COM 053015103 978,885 4,371 SH SOLE 250 0 4,121
GRACO INC COM 384109104 981,869 12,986 SH SOLE 1,921 0 11,065
EOG RES INC COM 26875P101 988,672 7,621 SH SOLE 0 0 7,621
KEURIG DR PEPPER INC COM 49271V100 999,214 30,529 SH SOLE 0 0 30,529
TRICO BANCSHARES COM 896095106 1,004,356 18,651 SH SOLE 1,650 0 17,001
MCCORMICK & CO INC COM NON VTG 579780206 1,014,803 20,127 SH SOLE 1,500 0 18,627
RCI HOSPITALITY HLDGS INC COM 74934Q108 1,015,157 37,158 SH SOLE 0 0 37,158
ISHARES TR MSCI USA MIN VOL 46429B697 1,018,282 10,557 SH SOLE 1,872 0 8,685
SAP SE SPON ADR 803054204 1,019,592 6,616 SH SOLE 415 0 6,201
NOVO-NORDISK A S ADR 670100205 1,024,382 21,368 SH SOLE 1,500 0 19,868
STMICROELECTRONICS N V NY REGISTRY 861012102 1,030,037 13,754 SH SOLE 1,125 0 12,629
MICROCHIP TECHNOLOGY INC. COM 595017104 1,052,357 11,539 SH SOLE 0 0 11,539
HOME DEPOT INC COM 437076102 1,058,040 3,000 SH SOLE 1,202 0 1,798
SALESFORCE INC COM 79466L302 1,058,708 6,758 SH SOLE 643 0 6,115
CLOROX CO DEL COM 189054109 1,059,957 11,106 SH SOLE 62 0 11,044
STANLEY BLACK & DECKER INC COM 854502101 1,064,497 11,310 SH SOLE 500 0 10,810
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,079,001 40,717 SH SOLE 0 0 40,717
CISCO SYS INC COM 17275R102 1,115,283 9,495 SH SOLE 393 0 9,102
ANALOG DEVICES INC COM 032654105 1,133,126 2,853 SH SOLE 44 0 2,809
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 1,145,912 11,102 SH SOLE 1,199 0 9,903
UNITEDHEALTH GROUP INC COM 91324P102 1,163,348 2,799 SH SOLE 100 0 2,699
BANK OZK LITTLE ROCK ARK COM 06417N103 1,165,462 22,374 SH SOLE 1,000 0 21,374
MSC INDL DIRECT INC CL A 553530106 1,185,813 9,969 SH SOLE 0 0 9,969
MOSAIC CO COM 61945C103 1,186,894 56,012 SH SOLE 3,750 0 52,262
FORTUNE BRANDS INNOVATIONS I COM 34964C106 1,195,502 21,776 SH SOLE 1,500 0 20,276
MERCK & CO INC COM 58933Y105 1,212,979 9,440 SH SOLE 0 0 9,440
3M CO COM 88579Y101 1,216,268 7,512 SH SOLE 2,165 0 5,347
PAYCHEX INC COM 704326107 1,217,227 12,379 SH SOLE 750 0 11,629
NETEASE COM INC SPONSORED ADS 64110W102 1,246,418 9,727 SH SOLE 571 0 9,156
TRACTOR SUPPLY CO COM 892356106 1,257,477 39,781 SH SOLE 2,000 0 37,781
CDW CORP COM 12514G108 1,261,681 8,971 SH SOLE 350 0 8,621
CNH INDL N V SHS N20944109 1,264,532 112,603 SH SOLE 0 0 112,603
APPLIED MATLS INC COM 038222105 1,294,893 1,791 SH SOLE 100 0 1,691
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405 1,338,514 49,192 SH SOLE 0 0 49,192
PRUDENTIAL FINL INC COM 744320102 1,339,088 12,407 SH SOLE 700 0 11,707
DISNEY WALT CO COM 254687106 1,349,208 14,018 SH SOLE 1,552 0 12,466
HUMANA INC COM 444859102 1,389,873 3,499 SH SOLE 0 0 3,499
HEWLETT PACKARD ENTERPRISE C COM 42824C109 1,404,094 31,126 SH SOLE 21 0 31,105
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,406,892 3,802 SH SOLE 668 0 3,134
MARSH & MCLENNAN COS INC COM 571748102 1,414,695 8,488 SH SOLE 500 0 7,988
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1,449,177 15,099 SH SOLE 950 0 14,149
JD.COM INC SPON ADS CL A 47215P106 1,456,564 57,165 SH SOLE 2,000 0 55,165
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,462,034 19,916 SH SOLE 500 0 19,416
OPEN TEXT CORP COM 683715106 1,468,589 66,302 SH SOLE 6,000 0 60,302
PROGRESSIVE CORP COM 743315103 1,485,023 6,798 SH SOLE 250 0 6,548
OTIS WORLDWIDE CORP COM 68902V107 1,591,525 22,228 SH SOLE 1,200 0 21,028
LOWES COS INC COM 548661107 1,619,499 7,345 SH SOLE 350 0 6,995
ORACLE CORP COM 68389X105 1,619,964 11,054 SH SOLE 663 0 10,391
ARCHER DANIELS MIDLAND CO COM 039483102 1,620,864 21,216 SH SOLE 0 0 21,216
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 1,657,247 22,126 SH SOLE 3,138 0 18,988
AXOS FINANCIAL INC COM 05465C100 1,737,048 17,836 SH SOLE 3,300 0 14,536
UNITED THERAPEUTICS CORP DEL COM 91307C102 1,738,732 3,209 SH SOLE 0 0 3,209
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 1,748,733 26,007 SH SOLE 362 0 25,645
KIMBERLY-CLARK CORP COM 494368103 1,753,905 15,978 SH SOLE 800 0 15,178
CARRIER GLOBAL CORPORATION COM 14448C104 1,765,021 24,063 SH SOLE 1,000 0 23,063
UNITED PARCEL SVCS INC CL B 911312106 1,799,120 16,736 SH SOLE 500 0 16,236
SPDR INDEX SHS FDS STATE STREET SPD 78463X889 1,840,025 36,516 SH SOLE 985 0 35,531
HCI GROUP INC COM 40416E103 1,846,008 10,534 SH SOLE 4,877 0 5,657
ISHARES TR ISHS 1-5YR INVS 464288646 1,889,667 36,055 SH SOLE 860 0 35,195
PEPSICO INC COM 713448108 1,893,569 13,985 SH SOLE 485 0 13,500
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,980,759 23,651 SH SOLE 530 0 23,121
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 1,982,871 4,152 SH SOLE 413 0 3,739
SCHEIN HENRY INC COM 806407102 1,990,699 23,835 SH SOLE 0 0 23,835
OLD REP INTL CORP COM 680223104 2,034,051 49,708 SH SOLE 2,000 0 47,708
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 2,115,934 45,203 SH SOLE 2,732 0 42,471
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 2,206,800 20,758 SH SOLE 4,646 0 16,112
AMAZON COM INC COM 023135106 2,223,474 9,329 SH SOLE 1,217 0 8,112
PRICE T ROWE GROUP INC COM 74144T108 2,240,375 19,706 SH SOLE 0 0 19,706
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,256,792 9,538 SH SOLE 138 0 9,400
VANGUARD BD INDEX FDS INTERMED TERM 921937819 2,269,362 29,588 SH SOLE 2,125 0 27,463
MEDTRONIC PLC SHS G5960L103 2,289,870 29,271 SH SOLE 793 0 28,478
BRISTOL-MYERS SQUIBB CO COM 110122108 2,297,943 39,881 SH SOLE 168 0 39,713
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 2,326,830 39,980 SH SOLE 30,276 0 9,704
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,379,483 49,132 SH SOLE 1,370 0 47,762
INVESCO QQQ TR UNIT SER 1 46090E103 2,434,051 3,305 SH SOLE 486 0 2,820
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,491,307 71,569 SH SOLE 1,185 0 70,384
QUALCOMM INC COM 747525103 2,575,418 13,937 SH SOLE 416 0 13,521
TEXAS INSTRS INC COM 882508104 2,756,849 9,249 SH SOLE 0 0 9,249
NVIDIA CORPORATION COM 67066G104 2,936,521 14,676 SH SOLE 565 0 14,111
MICROSOFT CORP COM 594918104 2,945,083 7,895 SH SOLE 628 0 7,267
META PLATFORMS INC CL A 30303M102 3,240,607 5,753 SH SOLE 481 0 5,272
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,379,309 116,689 SH SOLE 2,823 0 113,866
MARKEL GROUP INC COM 570535104 3,747,826 1,919 SH SOLE 459 0 1,460
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,977,262 13,121 SH SOLE 1,414 0 11,707
ISHARES TR TRUST ISHARE 0-1 464288679 4,007,691 36,318 SH SOLE 391 0 35,927
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 4,094,462 26,088 SH SOLE 5,703 0 20,385
VANGUARD INDEX FDS MID CAP ETF 922908629 4,177,426 51,848 SH SOLE 5,412 0 46,436
SPDR SERIES TRUST STATE STREET SPD 78468R200 4,283,965 138,864 SH SOLE 8,095 0 130,769
ALPHABET INC CAP STK CL C 02079K107 4,404,021 12,464 SH SOLE 2,434 0 10,030
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,638,383 59,535 SH SOLE 3,309 0 56,226
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,796,975 6,984 SH SOLE 900 0 6,084
ISHARES TR 0-3 MNTH TREASRY 46436E718 5,943,220 59,037 SH SOLE 9,856 0 49,181
ALPHABET INC CAP STK CL A 02079K305 9,160,101 25,632 SH SOLE 3,208 0 22,424
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 23,361,208 46,686 SH SOLE 7,629 0 39,057