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 211,416 1,306 SH SOLE 0 0 1,306
ABBOTT LABORATORIES COM 002824100 323,843 3,569 SH SOLE 0 0 3,569
ABBVIE INC COM 00287Y109 797,950 3,171 SH SOLE 0 0 3,171
ADOBE INC COM 00724F101 177,028 19,729 SH SOLE 0 0 19,729
ADVISORS SER TR SCHARF ETF 00770X220 3,884,538 71,856 SH SOLE 0 0 71,856
ADVISORS SER TR SCHARF GLOBAL 00770X212 769,479 17,827 SH SOLE 0 0 17,827
AGILENT TECHNOLOGIES INC COM 00846U101 223,154 1,680 SH SOLE 0 0 1,680
AIR PRODUCTS AND CHEMICALS I COM 009158106 288,489 984 SH SOLE 0 0 984
ALPHABET INC CAP STK CL C 02079K107 3,695,125 10,458 SH SOLE 0 0 10,458
ALPHABET INC CAP STK CL A 02079K305 2,910,741 51,584 SH SOLE 0 0 51,584
AMAZON COM INC COM 023135106 1,461,906 49,495 SH SOLE 0 0 49,495
AMERICAN CENTY ETF TR US SML CP VALU 025072877 400,480 3,210 SH SOLE 0 0 3,210
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 411,789 4,268 SH SOLE 0 0 4,268
AMERIPRISE FINL INC COM 03076C106 308,745 673 SH SOLE 0 0 673
AMETEK INC COM 031100100 331,216 1,369 SH SOLE 0 0 1,369
AMGEN INC COM 031162100 2,042,778 48,313 SH SOLE 0 0 48,313
AON PLC SHS CL A G0403H108 337,329 1,017 SH SOLE 0 0 1,017
APPLE INC COM 037833100 15,769,299 294,999 SH SOLE 0 0 294,999
ASML HLDG NV N Y REGISTRY SHS N07059210 1,563,700 786 SH SOLE 0 0 786
ASTRAZENECA PLC ORD G0593M107 727,097 3,863 SH SOLE 0 0 3,863
ATMOS ENERGY CORP COM 049560105 234,287 1,360 SH SOLE 0 0 1,360
AUTOMATIC DATA PROCESSING IN COM 053015103 386,316 18,672 SH SOLE 0 0 18,672
BANCO SANTANDER SA ADR 05964H105 276,925 20,067 SH SOLE 0 0 20,067
BANK OF AMER CORP COM 060505104 387,004 6,792 SH SOLE 0 0 6,792
BANNER CORP COM NEW 06652V208 1,154,594 17,378 SH SOLE 0 0 17,378
BARRICK MNG CORP COM SHS 06849F108 353,539 9,620 SH SOLE 0 0 9,620
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 10,932,361 90,604 SH SOLE 0 0 90,604
BLACK HILLS CORP COM 092113109 929,479 12,493 SH SOLE 0 0 12,493
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 551,702 17,407 SH SOLE 0 0 17,407
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 471,846 7,640 SH SOLE 0 0 7,640
BROADCOM INC COM 11135F101 2,774,612 19,062 SH SOLE 0 0 19,062
BROOKFIELD CORP CL A LTD VT SH 11271J107 230,134 5,402 SH SOLE 0 0 5,402
CAPITAL GROUP DIVIDEND GROWE SHS ETF 14021L109 1,365,280 37,985 SH SOLE 0 0 37,985
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 4,957,394 105,495 SH SOLE 0 0 105,495
CAPITAL GROUP GROWTH ETF SHS CREAT UNIT 14020G101 5,063,707 112,176 SH SOLE 0 0 112,176
CAPITAL GROUP INTERNATIONAL SHS 14021M107 4,873,008 132,491 SH SOLE 0 0 132,491
CAPITAL GROUP NEW GEOGRAPHY SHS 14021N105 278,066 7,423 SH SOLE 0 0 7,423
CAPITAL GRP FIXED INCM ETF T MUN INM ETF 14020Y201 590,825 21,508 SH SOLE 0 0 21,508
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 1,768,868 79,357 SH SOLE 0 0 79,357
CATERPILLAR INC COM 149123101 601,669 565 SH SOLE 0 0 565
CENTERPOINT ENERGY INC COM 15189T107 363,991 8,265 SH SOLE 0 0 8,265
CHEVRON CORPORATION COM 166764100 2,197,276 13,256 SH SOLE 0 0 13,256
CHUBB LIMITED COM H1467J104 168,894 10,576 SH SOLE 0 0 10,576
CISCO SYS INC COM 17275R102 1,833,833 15,612 SH SOLE 0 0 15,612
CLOROX CO DEL COM 189054109 468,897 4,913 SH SOLE 0 0 4,913
CME GROUP INC COM 12572Q105 1,309,080 5,928 SH SOLE 0 0 5,928
COCA-COLA FEMSA SAB DE CV SPONS ADS REP 191241108 682,656 6,425 SH SOLE 0 0 6,425
COLUMBIA BKG SYS INC COM 197236102 317,487 9,906 SH SOLE 0 0 9,906
CONOCOPHILLIPS COM 20825C104 308,693 2,969 SH SOLE 0 0 2,969
COSTCO WHOLESALE CORPORATION COM 22160K105 3,273,769 166,829 SH SOLE 0 0 166,829
CSX CORP COM 126408103 296,864 6,246 SH SOLE 0 0 6,246
CULLEN FROST BANKERS INC COM 229899109 1,119,188 7,243 SH SOLE 0 0 7,243
CUMMINS INC COM 231021106 83,297 42,701 SH SOLE 0 0 42,701
DEERE & CO COM 244199105 269,126 424 SH SOLE 0 0 424
DEVON ENERGY CORP NEW COM 25179M103 573,480 13,879 SH SOLE 0 0 13,879
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 204,810 4,617 SH SOLE 0 0 4,617
DISNEY WALT CO COM 254687106 315,315 3,276 SH SOLE 0 0 3,276
EAST WEST BANCORP INC COM 27579R104 206,673 1,601 SH SOLE 0 0 1,601
ECOLAB INC COM 278865100 82,024 20,117 SH SOLE 0 0 20,117
ELI LILLY & CO COM 532457108 751,147 626 SH SOLE 0 0 626
EMERSON ELEC CO COM 291011104 240,492 1,680 SH SOLE 0 0 1,680
ENTERGY CORP NEW COM 29364G103 714,659 6,222 SH SOLE 0 0 6,222
ESTABLISHMENT LABS HLDGS INC COM G31249108 1,010,327 11,774 SH SOLE 0 0 11,774
EXXON MOBIL CORP COM 30231G102 3,437,642 25,144 SH SOLE 0 0 25,144
FLEX LTD ORD Y2573F102 391,399 2,415 SH SOLE 0 0 2,415
FLEXSHARES TR MORNSTAR UPSTR 33939L407 8,674,117 176,017 SH SOLE 0 0 176,017
FRANCO NEV CORP COM 351858105 233,661 1,121 SH SOLE 0 0 1,121
GE VERNOVA INC COM 36828A101 371,256 316 SH SOLE 0 0 316
GENERAL DYNAMICS CORP COM 369550108 852,656 2,407 SH SOLE 0 0 2,407
GILEAD SCIENCES INC COM 375558103 329,874 2,611 SH SOLE 0 0 2,611
GLOBAL X FDS GLOBAL X COPPER 37954Y830 98,159 98,159 SH SOLE 0 0 98,159
HENRY JACK & ASSOC INC COM 426281101 661,841 4,805 SH SOLE 0 0 4,805
HOME DEPOT INC COM 437076102 1,192,764 3,382 SH SOLE 0 0 3,382
INTEL CORP COM 458140100 524,422 3,756 SH SOLE 0 0 3,756
INTERNATIONAL BUSINESS MACHS COM 459200101 246,667 877 SH SOLE 0 0 877
INVESCO QQQ TR UNIT SER 1 46090E103 1,176,767 1,598 SH SOLE 0 0 1,598
ISHARES GOLD TR ISHARES NEW 464285204 9,756,527 317,153 SH SOLE 0 0 317,153
ISHARES TR ULTRA SHORT DUR 46434V878 26,264 26,264 SH SOLE 0 0 26,264
ISHARES TR 3 7 YR TREAS BD 464288661 943,948 943,948 SH SOLE 0 0 943,948
ISHARES TR RUSSELL 2000 ETF 464287655 1,085,408 39,429 SH SOLE 0 0 39,429
ISHARES TR CORE HIGH DV ETF 46429B663 576,420 393,167 SH SOLE 0 0 393,167
ISHARES TR RUS MID CAP ETF 464287499 269,401 2,442 SH SOLE 0 0 2,442
ISHARES TR CORE S&P MCP ETF 464287507 231,330 3,000 SH SOLE 0 0 3,000
ISHARES TR MSCI EAFE ETF 464287465 1,499,716 14,437 SH SOLE 0 0 14,437
ISHARES TR RUS 1000 VAL ETF 464287598 1,080,415 4,457 SH SOLE 0 0 4,457
ISHARES TR RUS 1000 GRW ETF 464287614 2,159,440 17,391 SH SOLE 0 0 17,391
ISHARES TR RUS MD CP GR ETF 464287481 460,020 3,142 SH SOLE 0 0 3,142
ISHARES TR CORE S&P500 ETF 464287200 1,522,846 1,522,846 SH SOLE 0 0 1,522,846
ISHARES TR 1 3 YR TREAS BD 464287457 945,221 945,221 SH SOLE 0 0 945,221
ISHARES TR ISHS 5-10YR INVT 464288638 945,471 945,471 SH SOLE 0 0 945,471
ISHARES TR US INDUSTRIALS 464287754 502,950 3,018 SH SOLE 0 0 3,018
ISHARES TR MSCI USA MIN ETF 46429B697 4,334,401 44,935 SH SOLE 0 0 44,935
ISHARES TR CORE S&P SCP ETF 464287804 6,034,256 40,687 SH SOLE 0 0 40,687
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 1,497,135 29,356 SH SOLE 0 0 29,356
JOHNSON & JOHNSON COM 478160104 3,824,896 26,711 SH SOLE 0 0 26,711
JPMORGAN CHASE & CO COM 46625H100 2,283,781 6,977 SH SOLE 0 0 6,977
KLA CORP COM NEW 482480100 608,549 2,017 SH SOLE 0 0 2,017
LINDE PLC SHS G54950103 361,096 13,558 SH SOLE 0 0 13,558
LOWES COS INC COM 548661107 34,999 27,756 SH SOLE 0 0 27,756
MARKEL GROUP INC COM 570535104 441,380 226 SH SOLE 0 0 226
MASTERCARD INCORPORATED CL A 57636Q104 231,120 450 SH SOLE 0 0 450
MCCORMICK & CO INC COM NON VTG 579780206 332,873 6,602 SH SOLE 0 0 6,602
MCDONALDS CORP COM 580135101 243,448 13,457 SH SOLE 0 0 13,457
MCKESSON CORP COM 58155Q103 502,474 665 SH SOLE 0 0 665
MEDTRONIC PLC SHS G5960L103 647,431 8,276 SH SOLE 0 0 8,276
MERCK & CO INC COM 58933Y105 961,917 7,486 SH SOLE 0 0 7,486
META PLATFORMS INC CL A 30303M102 921,542 1,636 SH SOLE 0 0 1,636
MICROSOFT CORP COM 594918104 5,530,486 65,373 SH SOLE 0 0 65,373
MONDELEZ INTL INC CL A 609207105 367,342 6,351 SH SOLE 0 0 6,351
MORGAN STANLEY COM NEW 617446448 527,199 2,522 SH SOLE 0 0 2,522
NEXTERA ENERGY INC COM 65339F101 22,300 15,358 SH SOLE 0 0 15,358
NIKE INC CL B 654106103 500,784 12,199 SH SOLE 0 0 12,199
NOVO-NORDISK A S ADR 670100205 1,058,371 22,077 SH SOLE 0 0 22,077
NVIDIA CORPORATION COM 67066G104 2,715,517 119,760 SH SOLE 0 0 119,760
OCCIDENTAL PETE CORP COM 674599105 338,484 6,969 SH SOLE 0 0 6,969
ONEOK INC NEW COM 682680103 337,327 3,880 SH SOLE 0 0 3,880
ORACLE CORP COM 68389X105 795,767 5,430 SH SOLE 0 0 5,430
OTIS WORLDWIDE CORP COM 68902V107 204,991 2,863 SH SOLE 0 0 2,863
PAYCHEX INC COM 704326107 872,212 8,870 SH SOLE 0 0 8,870
PEPSICO INC COM 713448108 974,818 7,200 SH SOLE 0 0 7,200
PFIZER INC COM 717081103 689,322 31,305 SH SOLE 0 0 31,305
PGIM ETF TR AAA CLO ETF 69344A834 566,344 566,344 SH SOLE 0 0 566,344
PHILIP MORRIS INTL INC COM 718172109 955,567 5,282 SH SOLE 0 0 5,282
PHILLIPS 66 COM 718546104 752,611 4,452 SH SOLE 0 0 4,452
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 22,170,220 219,921 SH SOLE 0 0 219,921
PNC FINL SVCS GROUP INC COM 693475105 477,310 35,669 SH SOLE 0 0 35,669
PORTLAND GEN ELEC CO COM NEW 736508847 581,014 11,210 SH SOLE 0 0 11,210
PPG INDS INC COM 693506107 246,825 2,035 SH SOLE 0 0 2,035
PRICE T ROWE GROUP INC COM 74144T108 766,612 6,743 SH SOLE 0 0 6,743
PROCTER & GAMBLE CO COM 742718109 1,685,843 11,496 SH SOLE 0 0 11,496
PUBLIC STORAGE COM 74460D109 280,431 881 SH SOLE 0 0 881
PUBLIC SVC ENTERPRISE GROUP COM 744573106 628,178 7,740 SH SOLE 0 0 7,740
QUALCOMM INC COM 747525103 355,536 1,924 SH SOLE 0 0 1,924
REALTY INCOME CORP COM 756109104 837,327 13,514 SH SOLE 0 0 13,514
REINSURANCE GROUP AMER INC COM NEW 759351604 764,902 3,597 SH SOLE 0 0 3,597
RELX PLC SPONSORED ADR 759530108 245,157 7,741 SH SOLE 0 0 7,741
ROSS STORES INC COM 778296103 237,328 1,115 SH SOLE 0 0 1,115
ROYAL CARIBBEAN GROUP COM V7780T103 415,012 1,307 SH SOLE 0 0 1,307
RTX CORPORATION COM 75513E101 586,770 21,901 SH SOLE 0 0 21,901
RYANAIR HOLDINGS PLC SPONSORED ADR 783513203 282,181 4,358 SH SOLE 0 0 4,358
S&P GLOBAL INC COM 78409V104 139,501 15,186 SH SOLE 0 0 15,186
SANDISK CORP COM 80004C200 3,547,019 1,560 SH SOLE 0 0 1,560
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 349,734 11,245 SH SOLE 0 0 11,245
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 4,142,303 83,417 SH SOLE 0 0 83,417
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,236,292 135,177 SH SOLE 0 0 135,177
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 926,150 5,000 SH SOLE 0 0 5,000
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 330,929 3,984 SH SOLE 0 0 3,984
SEMPRA COM 816851109 235,947 2,545 SH SOLE 0 0 2,545
SHELL PLC SPON ADS 780259305 682,129 8,797 SH SOLE 0 0 8,797
SHERWIN WILLIAMS CO COM 824348106 228,628 664 SH SOLE 0 0 664
SHOPIFY INC CL A SUB VTG SHS 82509L107 229,159 2,007 SH SOLE 0 0 2,007
SPDR SERIES TRUST ST STR P500VAL 78464A508 368,387 6,060 SH SOLE 0 0 6,060
STARBUCKS CORP COM 855244109 1,188,389 14,079 SH SOLE 0 0 14,079
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 783,585 1,500 SH SOLE 0 0 1,500
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 4,062,707 5,440 SH SOLE 0 0 5,440
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 537,352 764 SH SOLE 0 0 764
STRYKER CORPORATION COM 863667101 466,368 33,583 SH SOLE 0 0 33,583
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 1,853,927 3,882 SH SOLE 0 0 3,882
TE CONNECTIVITY PLC ORD SHS G87052109 386,890 1,919 SH SOLE 0 0 1,919
TEXAS INSTRS INC COM 882508104 967,833 3,247 SH SOLE 0 0 3,247
THERMO FISHER SCIENTIFIC INC COM 883556102 413,121 824 SH SOLE 0 0 824
TJX COS INC NEW COM 872540109 700,082 4,621 SH SOLE 0 0 4,621
TOTALENERGIES SE ACT F92124100 1,180,278 15,177 SH SOLE 0 0 15,177
TRAVELERS COMPANIES INC COM 89417E109 1,044,170 3,163 SH SOLE 0 0 3,163
TRUIST FINL CORP COM 89832Q109 264,295 5,305 SH SOLE 0 0 5,305
UNILEVER PLC SPON ADR NEW 904767803 918,273 15,274 SH SOLE 0 0 15,274
UNION PAC CORP COM 907818108 1,221,008 4,489 SH SOLE 0 0 4,489
UNITEDHEALTH GROUP INC COM 91324P102 458,024 1,102 SH SOLE 0 0 1,102
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 609,978 930 SH SOLE 0 0 930
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 15,694,593 614,271 SH SOLE 0 0 614,271
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,244,733 44,959 SH SOLE 0 0 44,959
VANGUARD INDEX FDS VALUE ETF 922908744 965,212 4,429 SH SOLE 0 0 4,429
VANGUARD INDEX FDS SMALL CP ETF 922908751 716,010 4,518 SH SOLE 0 0 4,518
VANGUARD INDEX FDS MID CAP ETF 922908629 1,022,369 606,696 SH SOLE 0 0 606,696
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 109,150 11,334 SH SOLE 0 0 11,334
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 12,677,356 167,513 SH SOLE 0 0 167,513
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,595,881 10,168 SH SOLE 0 0 10,168
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 127,147 34,827 SH SOLE 0 0 34,827
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 11,008,316 141,904 SH SOLE 0 0 141,904
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,367,109 1,367,109 SH SOLE 0 0 1,367,109
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 21,720 21,720 SH SOLE 0 0 21,720
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,417,781 1,417,781 SH SOLE 0 0 1,417,781
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,673,247 27,973 SH SOLE 0 0 27,973
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,252,172 156,405 SH SOLE 0 0 156,405
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 22,725 22,725 SH SOLE 0 0 22,725
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 1,354,165 13,790 SH SOLE 0 0 13,790
VERIZON COMMUNICATIONS INC COM 92343V104 613,718 14,495 SH SOLE 0 0 14,495
VISA INC COM CL A 92826C839 1,092,665 41,765 SH SOLE 0 0 41,765
WALMART INC COM 931142103 673,719 83,757 SH SOLE 0 0 83,757
WATSCO INC COM 942622200 277,125 665 SH SOLE 0 0 665
WELLS FARGO & CO COM 949746101 492,694 5,962 SH SOLE 0 0 5,962
WELLTOWER INC COM 95040Q104 639,148 2,816 SH SOLE 0 0 2,816
WESTERN DIGITAL CORP COM 958102105 6,159,177 9,643 SH SOLE 0 0 9,643
YUM BRANDS INC COM 988498101 359,525 2,249 SH SOLE 0 0 2,249