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
AB ACTIVE ETFS INC INTL LOW VOLATLT 00039J822 3,646,673 80,217 SH SOLE 0 10,552 0 69,665
ADOBE INC COM 00724F101 239,463 1,168 SH SOLE 0 350 0 818
ADVANCED MICRO DEVICES INC COM 007903107 4,010,603 6,904 SH SOLE 0 2,862 0 4,042
ALLIANT ENERGY CORP COM 018802108 325,453 4,266 SH SOLE 0 1,405 0 2,861
ALPHABET INC CAP STK CL C 02079K107 1,108,620 3,138 SH SOLE 0 184 0 2,954
ALPHABET INC CAP STK CL A 02079K305 25,602,135 71,640 SH SOLE 0 12,424 0 59,216
AMAZON COM INC COM 023135106 13,472,421 56,526 SH SOLE 0 9,635 0 46,891
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 23,330,158 261,549 SH SOLE 0 37,081 0 224,468
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 9,133,210 94,654 SH SOLE 0 12,824 0 81,831
AMGEN INC COM 031162100 3,760,616 10,385 SH SOLE 0 1,584 0 8,801
ANALOG DEVICES INC COM 032654105 247,040 622 SH SOLE 0 276 0 346
APPLE INC COM 037833100 25,006,643 86,421 SH SOLE 0 13,969 0 72,452
APPLIED MATLS INC COM 038222105 3,029,773 4,191 SH SOLE 0 1,011 0 3,180
ARCBEST CORP COM 03937C105 2,977,307 20,742 SH SOLE 0 3,202 0 17,540
BANK OF AMER CORP COM 060505104 583,190 10,235 SH SOLE 0 0 0 10,235
BANK OF N T BUTTERFIELD & SO SHS NEW G0772R208 514,973 8,655 SH SOLE 0 0 0 8,655
BANK OF NY MELLON CORP COM 064058100 4,668,338 32,282 SH SOLE 0 3,410 0 28,872
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 6,236,953 12,464 SH SOLE 0 2,121 0 10,343
BOEING CO COM 097023105 3,996,107 18,460 SH SOLE 0 1,997 0 16,463
BROADCOM INC COM 11135F101 8,769,172 23,214 SH SOLE 0 2,226 0 20,988
CATERPILLAR INC COM 149123101 205,526 193 SH SOLE 0 0 0 193
CAVA GROUP INC COM 148929102 2,704,970 34,467 SH SOLE 0 5,492 0 28,975
CENTERPOINT ENERGY INC COM 15189T107 2,424,977 55,063 SH SOLE 0 4,044 0 51,019
CHEVRON CORPORATION COM 166764100 292,566 1,765 SH SOLE 0 1,166 0 599
CLEAN HARBORS INC COM 184496107 5,773,344 19,325 SH SOLE 0 2,977 0 16,348
COCA COLA CO COM 191216100 2,298,478 28,282 SH SOLE 0 1,858 0 26,424
COSTCO WHOLESALE CORPORATION COM 22160K105 1,599,654 1,710 SH SOLE 0 80 0 1,630
DIGITALOCEAN HLDGS INC COM 25402D102 6,653,047 42,368 SH SOLE 0 5,941 0 36,427
EASTGROUP PPTYS INC COM 277276101 1,486,570 7,340 SH SOLE 0 413 0 6,927
ELEMENT SOLUTIONS INC COM 28618M106 2,740,998 57,403 SH SOLE 0 3,217 0 54,186
ELI LILLY & CO COM 532457108 7,866,321 6,558 SH SOLE 0 1,042 0 5,516
EQT CORP COM 26884L109 1,727,017 32,481 SH SOLE 0 1,269 0 31,212
EXXON MOBIL CORP COM 30231G102 4,837,577 35,383 SH SOLE 0 2,988 0 32,395
FREEPORT MCMORAN INC CL B 35671D857 2,162,536 34,386 SH SOLE 0 4,570 0 29,816
GE AEROSPACE COM NEW 369604301 7,699,223 20,601 SH SOLE 0 2,857 0 17,744
GE VERNOVA INC COM 36828A101 7,096,159 6,040 SH SOLE 0 1,182 0 4,858
GOLDMAN SACHS GROUP INC COM 38141G104 2,473,825 2,446 SH SOLE 0 164 0 2,282
HARBOR ETF TRUST COMM ALL WEA ETF 41151J505 7,124,251 242,817 SH SOLE 0 40,247 0 202,570
HEWLETT PACKARD ENTERPRISE C COM 42824C109 8,537,137 189,252 SH SOLE 0 47,020 0 142,232
HOME DEPOT INC COM 437076102 3,627,861 10,287 SH SOLE 0 1,462 0 8,825
IDEXX LABS INC COM 45168D104 2,146,296 4,077 SH SOLE 0 460 0 3,617
INGERSOLL RAND INC COM 45687V106 592,870 7,231 SH SOLE 0 1,663 0 5,568
INTUITIVE SURGICAL INC COM NEW 46120E602 3,777,960 9,500 SH SOLE 0 1,843 0 7,657
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 3,412,153 127,129 SH SOLE 0 16,920 0 110,209
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 650,686 3,058 SH SOLE 0 478 0 2,580
INVESCO QQQ TR UNIT SER 1 46090E103 1,064,991 1,446 SH SOLE 0 0 0 1,446
ISHARES GOLD TR ISHARES NEW 464285204 4,560,736 60,399 SH SOLE 0 10,540 0 49,859
ISHARES TR CORE US AGGBD ET 464287226 11,381,584 114,989 SH SOLE 0 18,209 0 96,780
ISHARES TR 10+ YR INVST GRD 464289511 292,234 5,840 SH SOLE 0 0 0 5,840
ISHARES TR ISHS 1-5YR INVS 464288646 12,317,820 235,028 SH SOLE 0 33,709 0 201,319
ISHARES TR 10-20 YR TRS ETF 464288653 222,275 2,215 SH SOLE 0 0 0 2,215
ISHARES TR MBS ETF 464288588 3,735,903 39,525 SH SOLE 0 4,467 0 35,058
ISHARES TR PFD AND INCM SEC 464288687 3,617,608 118,649 SH SOLE 0 15,081 0 103,568
ISHARES TR 3 7 YR TREAS BD 464288661 359,162 3,058 SH SOLE 0 25 0 3,033
ISHARES TR NATIONAL MUN ETF 464288414 754,954 7,015 SH SOLE 0 934 0 6,081
ISHARES TR GOV/CRED BD ETF 464288596 727,620 7,008 SH SOLE 0 0 0 7,008
ISHARES TR ISHS 5-10YR INVT 464288638 7,364,159 138,502 SH SOLE 0 23,090 0 115,412
ISHARES TR INTRM GOV CR ETF 464288612 58,580,311 552,150 SH SOLE 0 69,791 0 482,359
ISHARES TR FALN ANGLS USD 46435G474 2,852,110 104,703 SH SOLE 0 15,577 0 89,126
ISHARES TR 0-5 YR TIPS ETF 46429B747 5,618,494 54,997 SH SOLE 0 7,096 0 47,901
ISHARES TR FLTG RATE NT ETF 46429B655 4,051,481 79,363 SH SOLE 0 9,858 0 69,505
ISHARES TR 0-5YR HI YL CP 46434V407 2,714,664 64,010 SH SOLE 0 9,032 0 54,978
ISHARES TR CORE S&P SCP ETF 464287804 287,347 1,937 SH SOLE 0 1,900 0 37
ISHARES TR CORE S&P500 ETF 464287200 959,121 1,281 SH SOLE 0 0 0 1,281
ISHARES TR RUSSELL 2000 ETF 464287655 1,091,176 3,632 SH SOLE 0 892 0 2,740
ISHARES TR US INDUSTRIALS 464287754 804,920 4,830 SH SOLE 0 907 0 3,923
ISHARES TR U.S. TECH ETF 464287721 526,656 2,088 SH SOLE 0 202 0 1,886
ISHARES TR 7-10 YR TRSY BD 464287440 540,468 5,715 SH SOLE 0 0 0 5,715
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 512,375 10,132 SH SOLE 0 0 0 10,132
J P MORGAN EXCHANGE TRADED F EQUITY FOCUS ETF 46654Q781 2,993,105 37,260 SH SOLE 0 3,413 0 33,847
JOHNSON & JOHNSON COM 478160104 6,817,730 26,845 SH SOLE 0 4,258 0 22,587
JPMORGAN CHASE & CO COM 46625H100 11,094,928 33,895 SH SOLE 0 6,814 0 27,081
KEYCORP COM 493267108 3,606,841 156,479 SH SOLE 0 25,136 0 131,343
KRATOS DEFENSE & SEC SOLUTIO COM NEW 50077B207 362,432 7,269 SH SOLE 0 637 0 6,632
LAM RESEARCH CORP COM NEW 512807306 302,031 697 SH SOLE 0 457 0 240
LINDE PLC SHS G54950103 1,992,740 3,840 SH SOLE 0 549 0 3,291
LPL FINL HLDGS INC COM 50212V100 1,507,270 5,351 SH SOLE 0 310 0 5,041
MCDONALDS CORP COM 580135101 479,800 1,775 SH SOLE 0 865 0 910
MCKESSON CORP COM 58155Q103 3,416,825 4,522 SH SOLE 0 701 0 3,821
MERITAGE HOMES CORP COM 59001A102 3,014,408 35,950 SH SOLE 0 5,704 0 30,246
META PLATFORMS INC CL A 30303M102 7,866,322 13,965 SH SOLE 0 2,764 0 11,201
MICROSOFT CORP COM 594918104 15,643,358 41,937 SH SOLE 0 6,789 0 35,148
MORGAN STANLEY COM NEW 617446448 3,390,420 16,219 SH SOLE 0 5,070 0 11,149
NATERA INC COM 632307104 3,485,961 12,842 SH SOLE 0 1,974 0 10,868
NETFLIX INC. COM 64110L106 2,730,479 38,242 SH SOLE 0 7,289 0 30,953
NEWMONT CORP COM 651639106 328,675 3,519 SH SOLE 0 154 0 3,365
NEXTERA ENERGY INC COM 65339F101 451,664 5,146 SH SOLE 0 1,312 0 3,834
NEXTPOWER INC CLASS A COM 65290E101 2,695,543 22,625 SH SOLE 0 3,559 0 19,066
NORTHERN TR CORP COM 665859104 4,470,670 25,717 SH SOLE 0 4,028 0 21,689
NVIDIA CORPORATION COM 67066G104 22,912,491 114,511 SH SOLE 0 14,958 0 99,553
OLD DOMINION FREIGHT LINE IN COM 679580100 250,823 1,158 SH SOLE 0 500 0 658
PBF ENERGY INC CL A 69318G106 2,614,215 57,430 SH SOLE 0 2,005 0 55,425
PEPSICO INC COM 713448108 342,697 2,531 SH SOLE 0 1,099 0 1,432
PREFORMED LINE PRODS CO COM 740444104 341,996 833 SH SOLE 0 0 0 833
PROCTER & GAMBLE CO COM 742718109 2,958,745 20,177 SH SOLE 0 3,015 0 17,162
QUANTA SVCS INC COM 74762E102 6,800,061 9,444 SH SOLE 0 1,368 0 8,076
REGENCY CTRS CORP COM 758849103 2,185,434 27,407 SH SOLE 0 4,566 0 22,841
REPLIGEN CORP COM 759916109 559,131 4,098 SH SOLE 0 1,029 0 3,069
RTX CORPORATION COM 75513E101 8,057,582 42,469 SH SOLE 0 8,703 0 33,766
SANDISK CORP COM 80004C200 3,469,712 1,526 SH SOLE 0 103 0 1,423
SANMINA CORP COM 801056102 484,901 1,916 SH SOLE 0 0 0 1,916
SCHWAB CHARLES CORP COM 808513105 1,079,282 11,697 SH SOLE 0 3,819 0 7,878
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 639,024 27,627 SH SOLE 0 2,226 0 25,402
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 468,983 14,790 SH SOLE 0 0 0 14,790
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 649,366 18,008 SH SOLE 0 0 0 18,008
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 75,070,305 2,592,207 SH SOLE 0 263,055 0 2,329,151
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 435,472 12,869 SH SOLE 0 1,700 0 11,169
SELECT SECTOR SPDR TR ST STR MATER ETF 81369Y100 1,716,885 33,777 SH SOLE 0 10,935 0 22,842
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 7,489,837 141,025 SH SOLE 0 35,182 0 105,843
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 1,028,937 19,193 SH SOLE 0 2,758 0 16,435
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 418,277 2,258 SH SOLE 0 289 0 1,969
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 9,463,542 49,672 SH SOLE 0 3,705 0 45,967
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 2,962,858 35,667 SH SOLE 0 10,163 0 25,504
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 2,157,900 47,594 SH SOLE 0 11,538 0 36,056
SOUTHERN CO COM 842587107 4,443,818 46,430 SH SOLE 0 4,455 0 41,975
SPDR GOLD TR GOLD SHS 78463V107 1,392,108 3,779 SH SOLE 0 150 0 3,629
SPDR SERIES TRUST ST STR SP BIOT 78464A870 2,519,973 15,924 SH SOLE 0 818 0 15,106
SPDR SERIES TRUST SP O&G EXPL PRO 78468R556 305,281 1,979 SH SOLE 0 1,047 0 932
STARBUCKS CORP COM 855244109 206,219 2,018 SH SOLE 0 250 0 1,768
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2,193,236 2,937 SH SOLE 0 1,016 0 1,921
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 230,379 328 SH SOLE 0 135 0 193
STRYKER CORPORATION COM 863667101 3,088,586 9,810 SH SOLE 0 1,634 0 8,176
SYSCO CORP COM 871829107 3,458,624 41,381 SH SOLE 0 6,376 0 35,005
TARGET CORP COM 87612E106 202,968 1,554 SH SOLE 0 385 0 1,169
TESLA INC COM 88160R101 7,107,719 16,899 SH SOLE 0 1,405 0 15,494
TEXAS INSTRS INC COM 882508104 8,641,055 28,990 SH SOLE 0 4,932 0 24,058
TRAVELERS COMPANIES INC COM 89417E109 201,703 611 SH SOLE 0 175 0 436
UNION PAC CORP COM 907818108 334,288 1,229 SH SOLE 0 231 0 998
VANGUARD INDEX FDS TOTAL STK MKT 922908769 919,618 2,485 SH SOLE 0 0 0 2,485
VANGUARD INDEX FDS SMALL CP ETF 922908751 234,615 774 SH SOLE 0 0 0 774
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 271,434 3,241 SH SOLE 0 0 0 3,241
WEC ENERGY GROUP INC COM 92939U106 307,689 2,635 SH SOLE 0 1,840 0 795
WELLTOWER INC COM 95040Q104 5,371,472 23,666 SH SOLE 0 4,667 0 18,999