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 230,251 915 SH OTR 0 915 0
ABBVIE INC COM 00287Y109 261,706 1,040 SH SOLE 1,040 0 0
AGNICO EAGLE MINES LTD COM 008474108 210,201 1,355 SH OTR 0 1,355 0
AGNICO EAGLE MINES LTD COM 008474108 182,123 1,174 SH SOLE 1,174 0 0
ALBEMARLE CORP COM 012653101 7,645,129 56,618 SH SOLE 56,618 0 0
ALPHABET INC CAP STK CL C 02079K107 25,378,634 71,827 SH SOLE 71,827 0 0
ALPHABET INC CAP STK CL A 02079K305 786,214 2,200 SH SOLE 2,200 0 0
ALPS ETF TR ALERIAN ENERGY 00162Q676 1,234,745 32,408 SH SOLE 32,408 0 0
ALTRIA GROUP INC COM 02209S103 301,255 4,187 SH SOLE 4,187 0 0
AMAZON COM INC COM 023135106 11,164,561 46,843 SH SOLE 46,843 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 43,776,980 424,813 SH SOLE 424,813 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 42,286,903 338,946 SH SOLE 338,946 0 0
AMGEN INC COM 031162100 1,380,764 3,813 SH SOLE 3,813 0 0
APOLLO GLOBAL MGMT INC COM 03769M106 320,857 2,712 SH SOLE 2,712 0 0
APPLE INC COM 037833100 12,725,763 43,979 SH SOLE 43,979 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 1,330,048 17,409 SH SOLE 17,409 0 0
AT&T INC COM 00206R102 463,390 22,386 SH SOLE 22,386 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 961,641 4,294 SH SOLE 4,294 0 0
BANK OF AMER CORP COM 060505104 608,546 10,680 SH SOLE 10,680 0 0
BARRICK MNG CORP COM SHS 06849F108 233,162 6,348 SH OTR 0 6,348 0
BARRICK MNG CORP COM SHS 06849F108 618,827 16,848 SH SOLE 16,848 0 0
BERKLEY W R CORP COM 084423102 9,397,840 133,246 SH SOLE 133,246 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 39,653,406 79,245 SH SOLE 79,245 0 0
BHP BILLITON LIMITED SPONSORED ADS 088606108 10,481,731 125,816 SH SOLE 125,816 0 0
BLACKROCK INC COM 09290D101 3,927,011 4,084 SH SOLE 4,084 0 0
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788 525,082 10,439 SH SOLE 10,439 0 0
BONDBLOXX ETF TRUST BLOOMBERG ONE YR 09789C861 404,735 8,198 SH SOLE 8,198 0 0
BOOKING HOLDINGS INC COM 09857L108 726,328 4,075 SH SOLE 4,075 0 0
BP PLC SPONSORED ADR 055622104 326,010 8,823 SH SOLE 8,823 0 0
CANADIAN NAT RES LTD MED TER COM 136385101 4,725,938 119,644 SH SOLE 119,644 0 0
CARMAX INC COM 143130102 2,246,661 42,478 SH SOLE 42,478 0 0
CATERPILLAR INC COM 149123101 1,322,606 1,242 SH SOLE 1,242 0 0
CHENIERE ENERGY INC COM NEW 16411R208 12,089,434 50,581 SH SOLE 50,581 0 0
CHEVRON CORPORATION COM 166764100 5,152,815 31,086 SH SOLE 31,086 0 0
CHUBB LIMITED COM H1467J104 10,790,214 31,667 SH SOLE 31,667 0 0
CONOCOPHILLIPS COM 20825C104 218,212 2,099 SH OTR 0 2,099 0
CONOCOPHILLIPS COM 20825C104 1,702,761 16,379 SH SOLE 16,379 0 0
COPART INC COM 217204106 2,777,251 98,519 SH SOLE 98,519 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 2,584,704 2,763 SH SOLE 2,763 0 0
CREDIT ACCEP CORP MICH COM 225310101 8,564,153 13,450 SH SOLE 13,450 0 0
DEERE & CO COM 244199105 3,791,390 5,977 SH SOLE 5,977 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 1,225,473 15,246 SH SOLE 15,246 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 148,785 2,129 SH OTR 0 2,128 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 360,148 5,152 SH SOLE 5,152 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 9,077,687 226,207 SH SOLE 226,207 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V815 15,054,748 388,109 SH SOLE 388,109 0 0
EBAY INC. COM 278642103 1,299,317 11,627 SH SOLE 11,627 0 0
ENBRIDGE INC COM 29250N105 338,758 6,249 SH OTR 0 6,249 0
ENBRIDGE INC COM 29250N105 13,478,232 248,630 SH SOLE 248,630 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 1,191,061 62,294 SH SOLE 62,294 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 3,693,167 100,467 SH SOLE 100,467 0 0
EOG RES INC COM 26875P101 4,102,452 31,623 SH SOLE 31,623 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 269,751 7,056 SH SOLE 7,056 0 0
EXXONMOBIL HOLDINGS CORP COM SHS Stock 30233Q108 4,688,949 34,296 SH SOLE 34,296 0 0
FRANCO NEV CORP COM 351858105 161,124 773 SH OTR 0 773 0
FRANCO NEV CORP COM 351858105 1,656,264 7,946 SH SOLE 7,946 0 0
FRANKLIN TEMPLETON ETF TR FTSE SOUTH KOREA 35473P710 509,080 7,704 SH SOLE 7,704 0 0
FREEPORT MCMORAN INC CL B 35671D857 8,611,779 136,934 SH SOLE 136,934 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 1,846,762 1,826 SH SOLE 1,826 0 0
GRAYSCALE ETHEREUM STAKING SHS NEW 38964R203 200,103 13,314 SH SOLE 13,313 0 0
HOME DEPOT INC COM 437076102 4,170,794 11,826 SH SOLE 11,826 0 0
INTEL CORP COM 458140100 2,340,897 16,765 SH SOLE 16,765 0 0
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 293,085 8,804 SH SOLE 8,804 0 0
ISHARES GOLD TR ISHARES NEW 464285204 7,535,898 99,800 SH SOLE 99,800 0 0
ISHARES GOLD TRUST MICRO SHS REPSTG UN TR 46436F103 6,819,745 170,451 SH SOLE 170,451 0 0
ISHARES INC CORE MSCI EMKT 46434G103 1,327,925 16,030 SH SOLE 16,030 0 0
ISHARES INC MSCI GBL ETF NEW 46434G848 29,455,389 506,542 SH SOLE 506,541 0 0
ISHARES TR MSCI EAFE ETF 464287465 2,176,078 20,948 SH OTR 0 20,948 0
ISHARES TR CORE S&P US VLU 464287663 1,774,847 16,113 SH OTR 0 16,113 0
ISHARES TR CORE S&P US GWT 464287671 2,931,195 15,584 SH OTR 0 15,584 0
ISHARES TR CORE S&P500 ETF 464287200 2,154,557 2,877 SH SOLE 2,877 0 0
ISHARES TR ISHARES BIOTECH 464287556 4,102,208 21,569 SH SOLE 21,569 0 0
ISHARES TR CORE S&P US VLU 464287663 2,152,882 19,545 SH SOLE 19,545 0 0
ISHARES TR CORE S&P US GWT 464287671 2,255,199 11,990 SH SOLE 11,990 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 5,647,242 13,244 SH SOLE 13,244 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 479,127 17,480 SH SOLE 17,480 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 10,508,280 102,861 SH SOLE 102,861 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 947,719 9,930 SH SOLE 9,930 0 0
JOHNSON & JOHNSON COM 478160104 7,615,290 29,985 SH SOLE 29,985 0 0
JPMORGAN CHASE & CO COM 46625H100 275,285 841 SH OTR 0 841 0
JPMORGAN CHASE & CO COM 46625H100 4,574,437 13,975 SH SOLE 13,975 0 0
KKR & CO INC COM 48251W104 1,173,224 12,783 SH SOLE 12,783 0 0
LOWES COS INC COM 548661107 534,468 2,424 SH SOLE 2,424 0 0
LPL FINL HLDGS INC COM 50212V100 638,287 2,266 SH SOLE 2,266 0 0
MARKEL GROUP INC COM 570535104 7,280,821 3,728 SH SOLE 3,728 0 0
MASTERCARD INCORPORATED CL A 57636Q104 4,970,107 9,677 SH SOLE 9,677 0 0
MERCK & CO INC COM 58933Y105 62,708 488 SH OTR 0 488 0
MERCK & CO INC COM 58933Y105 363,013 2,825 SH SOLE 2,825 0 0
META PLATFORMS INC CL A 30303M102 6,688,505 11,874 SH SOLE 11,874 0 0
MICROSOFT CORP COM 594918104 9,115,490 24,437 SH SOLE 24,437 0 0
MOODYS CORP COM 615369105 1,542,193 3,405 SH SOLE 3,405 0 0
MPLX LP COM UNIT REP LTD 55336V100 1,561,975 27,729 SH SOLE 27,729 0 0
MSCI INC COM 55354G100 1,111,119 1,984 SH SOLE 1,984 0 0
NEWMONT CORP COM 651639106 203,799 2,182 SH OTR 0 2,182 0
NEWMONT CORP COM 651639106 716,378 7,670 SH SOLE 7,670 0 0
NOVO-NORDISK A S ADR 670100205 1,892,479 39,476 SH SOLE 39,476 0 0
NVIDIA CORPORATION COM 67066G104 5,861,236 29,293 SH SOLE 29,293 0 0
NVR INC COM 62944T105 851,675 125 SH SOLE 125 0 0
OCCIDENTAL PETE CORP COM 674599105 3,754,170 77,294 SH SOLE 77,294 0 0
PAYCOM SOFTWARE INC COM 70432V102 3,320,717 26,422 SH SOLE 26,422 0 0
PEPSICO INC COM 713448108 82,459 609 SH OTR 0 609 0
PEPSICO INC COM 713448108 279,466 2,064 SH SOLE 2,064 0 0
PFIZER INC COM 717081103 1,271,472 52,802 SH SOLE 52,802 0 0
PHILIP MORRIS INTL INC COM 718172109 658,874 3,642 SH SOLE 3,642 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304 257,244 5,079 SH SOLE 5,078 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 1,250,389 56,172 SH SOLE 56,172 0 0
POSCO HOLDINGS INC SPONSORED ADR 693483109 1,457,034 28,358 SH SOLE 28,358 0 0
PROCTER & GAMBLE CO COM 742718109 60,709 414 SH OTR 0 414 0
PROCTER & GAMBLE CO COM 742718109 917,673 6,258 SH SOLE 6,258 0 0
RIO TINTO PLC SPONSORED ADR 767204100 398,421 4,197 SH OTR 0 4,197 0
RIO TINTO PLC SPONSORED ADR 767204100 13,315,072 140,262 SH SOLE 140,262 0 0
ROYAL GOLD INC COM 780287108 129,946 651 SH OTR 0 651 0
ROYAL GOLD INC COM 780287108 728,776 3,651 SH SOLE 3,651 0 0
S&P GLOBAL INC COM 78409V104 1,459,213 3,583 SH SOLE 3,583 0 0
SCHWAB CHARLES CORP COM 808513105 230,583 2,499 SH OTR 0 2,499 0
SCHWAB CHARLES CORP COM 808513105 2,014,900 21,837 SH SOLE 21,837 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 943,347 35,598 SH OTR 0 35,598 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 729,090 25,176 SH SOLE 25,175 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,555,483 42,898 SH SOLE 42,898 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,125,296 40,624 SH SOLE 40,624 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 2,384,795 96,707 SH SOLE 96,707 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 8,287,407 343,306 SH SOLE 343,306 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 13,583,095 512,570 SH SOLE 512,569 0 0
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 584,481 7,036 SH SOLE 7,036 0 0
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 3,207,897 60,401 SH SOLE 60,401 0 0
SEMPRA COM 816851109 518,063 5,588 SH SOLE 5,588 0 0
SHELL PLC SPON ADS 780259305 300,468 3,875 SH SOLE 3,875 0 0
SOCIEDAD QUIMICA Y MINERA DE SPON ADR SER B 833635105 1,237,727 16,717 SH SOLE 16,717 0 0
SOUTH BOW CORP COM 83671M105 40,878 1,160 SH OTR 0 1,160 0
SOUTH BOW CORP COM 83671M105 1,696,630 48,145 SH SOLE 48,145 0 0
SOUTHERN COPPER CORP COM 84265V105 574,709 3,298 SH OTR 0 3,298 0
SOUTHERN COPPER CORP COM 84265V105 14,093,061 80,874 SH SOLE 80,873 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,859,951 5,049 SH SOLE 5,049 0 0
SPDR INDEX SHS FDS ST STR NAT ETF 78463X541 393,957 5,853 SH SOLE 5,852 0 0
SPDR SERIES TRUST ST STR SP METAL 78464A755 4,180,856 39,099 SH SOLE 39,099 0 0
SPDR SERIES TRUST ST STR SP BIOT 78464A870 4,543,516 28,711 SH SOLE 28,711 0 0
SUNCOR ENERGY INC NEW COM 867224107 1,139,304 21,224 SH SOLE 21,224 0 0
TC ENERGY CORP COM 87807B107 384,615 5,802 SH OTR 0 5,802 0
TC ENERGY CORP COM 87807B107 14,182,530 213,596 SH SOLE 213,596 0 0
TJX COS INC NEW COM 872540109 502,526 3,317 SH SOLE 3,317 0 0
TOTALENERGIES SE ACT F92124100 3,398,112 43,700 SH SOLE 43,700 0 0
UNILEVER PLC SPON ADR NEW 904767803 290,740 4,836 SH SOLE 4,836 0 0
UNION PAC CORP COM 907818108 323,136 1,188 SH SOLE 1,188 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,214,892 5,329 SH SOLE 5,329 0 0
VALE S A SPONSORED ADS 91912E105 10,200,564 678,229 SH SOLE 678,229 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 752,306 1,147 SH SOLE 1,147 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 208,867 2,166 SH OTR 0 2,166 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 34,826,075 50,707 SH SOLE 50,707 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 646,353 2,660 SH SOLE 2,660 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 886,270 11,000 SH SOLE 11,000 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 64,063,341 173,125 SH SOLE 173,125 0 0
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 10,505,595 138,816 SH SOLE 138,816 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 5,125,987 32,660 SH SOLE 32,660 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 26,707,042 447,429 SH SOLE 447,429 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 28,969,123 250,403 SH SOLE 250,403 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 18,093,680 204,356 SH SOLE 204,356 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,151,005 39,871 SH SOLE 39,871 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 384,271 1,624 SH SOLE 1,624 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 534,142 6,248 SH OTR 0 6,248 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 66,310,810 775,656 SH SOLE 775,655 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,467,821 20,601 SH SOLE 20,601 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 332,233 2,102 SH SOLE 2,102 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 761,786 2,784 SH SOLE 2,784 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 7,431,777 32,958 SH SOLE 32,958 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306 25,395,700 169,158 SH SOLE 169,158 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876 8,619,442 44,037 SH SOLE 44,037 0 0
VISA INC COM CL A 92826C839 6,440,829 18,773 SH SOLE 18,773 0 0
WALMART INC COM 931142103 315,995 2,790 SH OTR 0 2,790 0
WALMART INC COM 931142103 5,304,645 46,836 SH SOLE 46,836 0 0
WHEATON PRECIOUS METALS CORP COM 962879102 234,524 2,088 SH OTR 0 2,088 0
WHEATON PRECIOUS METALS CORP COM 962879102 1,194,748 10,637 SH SOLE 10,637 0 0
WILLIAMS COS INC COM 969457100 545,358 7,336 SH OTR 0 7,336 0
WILLIAMS COS INC COM 969457100 10,664,883 143,461 SH SOLE 143,460 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 1,328,141 16,723 SH OTR 0 16,723 0
WORLD GOLD TR SPDR GLD MINIS 98149E303 40,243,861 506,722 SH SOLE 506,722 0 0