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 1,258 5 SH DFND 5 0 0
ABBVIE INC COM 00287Y109 5,613,950 22,309 SH SOLE 15,392 0 6,917
ALPHABET INC CAP STK CL C 02079K107 1,348,285 3,816 SH SOLE 2,053 0 1,763
ALPHABET INC CAP STK CL A 02079K305 1,072 3 SH DFND 3 0 0
ALPHABET INC CAP STK CL A 02079K305 14,700,203 41,134 SH SOLE 25,456 0 15,678
ALTRIA GROUP INC COM 02209S103 1,295 18 SH DFND 18 0 0
ALTRIA GROUP INC COM 02209S103 5,527,897 76,830 SH SOLE 53,220 0 23,610
AMAZON COM INC COM 023135106 10,651,660 44,691 SH SOLE 26,000 0 18,691
AMAZON COM INC COM 023135106 1,192 5 SH DFND 5 0 0
AMEREN CORP COM 023608102 1,130 10 SH DFND 10 0 0
AMEREN CORP COM 023608102 4,973,345 43,996 SH SOLE 30,697 0 13,299
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 800,905 7,772 SH SOLE 7,772 0 0
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364 353,035 4,560 SH SOLE 4,560 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 348,634 2,722 SH SOLE 2,722 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 446,803 5,009 SH SOLE 5,009 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 414,702 3,324 SH SOLE 3,324 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 516,222 5,350 SH SOLE 5,350 0 0
APPLE INC COM 037833100 1,157 4 SH DFND 4 0 0
APPLE INC COM 037833100 14,656,555 50,652 SH SOLE 35,787 0 14,865
ARTISAN PARTNERS ASSET MGMT CL A 04316A108 282,919 8,193 SH SOLE 5,624 0 2,569
AUTOMATIC DATA PROCESSING IN COM 053015103 225,805 1,008 SH SOLE 624 0 384
AUTONATION INC COM 05329W102 929 5 SH DFND 5 0 0
AUTONATION INC COM 05329W102 4,082,975 21,976 SH SOLE 15,555 0 6,421
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 792,618 1,584 SH SOLE 1,561 0 23
BLOOMIN BRANDS INC COM 094235108 6,287,371 687,896 SH SOLE 484,031 0 203,865
BLOOMIN BRANDS INC COM 094235108 1,444 158 SH DFND 158 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 261,540 4,539 SH SOLE 2,398 0 2,141
BROADCOM INC COM 11135F101 1,345,553 3,562 SH SOLE 1,963 0 1,599
CASEYS GEN STORES INC COM 147528103 275,650 347 SH SOLE 257 0 90
CATERPILLAR INC COM 149123101 2,611,269 2,452 SH SOLE 2,149 0 303
CHEVRON CORPORATION COM 166764100 995 6 SH DFND 6 0 0
CHEVRON CORPORATION COM 166764100 5,608,582 33,836 SH SOLE 21,269 0 12,567
CISCO SYS INC COM 17275R102 385,298 3,280 SH SOLE 2,323 0 957
COCA COLA CO COM 191216100 390,235 4,802 SH SOLE 3,274 0 1,528
COMFORT SYS USA INC COM 199908104 1,982 1 SH DFND 1 0 0
COMFORT SYS USA INC COM 199908104 11,416,813 5,760 SH SOLE 3,951 0 1,809
CONOCOPHILLIPS COM 20825C104 229,692 2,209 SH SOLE 1,602 0 607
COSTCO WHOLESALE CORPORATION COM 22160K105 935 1 SH DFND 1 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 4,532,203 4,845 SH SOLE 3,390 0 1,455
CULLEN FROST BANKERS INC COM 229899109 223,495 1,446 SH SOLE 1,446 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 233,277 4,513 SH SOLE 4,513 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 215,201 5,217 SH SOLE 5,217 0 0
DIMENSIONAL ETF TRUST INTL VEC EQU ETF 25434V542 422,108 6,030 SH SOLE 6,030 0 0
EASTMAN CHEM CO COM 277432100 205,933 3,075 SH SOLE 1,742 0 1,333
ELI LILLY & CO COM 532457108 1,199 1 SH DFND 1 0 0
ELI LILLY & CO COM 532457108 5,657,828 4,717 SH SOLE 3,329 0 1,388
ENSIGN GROUP INC COM 29358P101 2,084,604 13,004 SH SOLE 9,602 0 3,402
ENSIGN GROUP INC COM 29358P101 481 3 SH DFND 3 0 0
EOG RES INC COM 26875P101 222,598 1,716 SH SOLE 1,037 0 679
EXXON MOBIL CORP COM 30231G102 327,267 2,394 SH SOLE 739 0 1,655
FIDELITY NATL FINL INC COM SHS 31620R303 262,705 5,570 SH SOLE 3,706 0 1,864
FLUOR CORP COM 343412102 247,438 4,723 SH SOLE 4,723 0 0
GE AEROSPACE COM NEW 369604301 236,945 634 SH SOLE 634 0 0
GENERAL MILLS INC COM 370334104 242,346 6,964 SH SOLE 4,403 0 2,561
HF SINCLAIR CORP COM 403949100 275,357 3,953 SH SOLE 2,525 0 1,428
HP INC COM 40434L105 252,512 11,509 SH SOLE 6,999 0 4,510
INDEPENDENCE RLTY TR INC COM 45378A106 968,934 58,055 SH SOLE 912 0 57,143
INTERNATIONAL BUSINESS MACHS COM 459200101 512,653 1,823 SH SOLE 1,280 0 543
INVESCO QQQ TR UNIT SER 1 46090E103 11,420,870 15,509 SH SOLE 4,268 0 11,241
INVESCO QQQ TR UNIT SER 1 46090E103 5,891 8 SH DFND 3 5 0
ISHARES TR ESG AWR MSCI USA 46435G425 560,079 3,422 SH SOLE 1,890 0 1,532
ISHARES TR CORE S&P500 ETF 464287200 267,806 358 SH SOLE 102 0 256
ISHARES TR TIPS BD ETF 464287176 247,312 2,260 SH SOLE 2,260 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 9,821,777 194,221 SH SOLE 66,954 0 127,267
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 960 17 SH DFND 7 10 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 5,866 116 SH DFND 46 70 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 1,619,505 28,674 SH SOLE 7,695 0 20,979
JACKSON FINANCIAL INC COM CL A 46817M107 214,128 2,091 SH SOLE 1,213 0 878
JOHNSON & JOHNSON COM 478160104 550,419 2,167 SH SOLE 1,585 0 583
JPMORGAN CHASE & CO COM 46625H100 5,510,118 16,834 SH SOLE 11,428 0 5,406
JPMORGAN CHASE & CO COM 46625H100 1,309 4 SH DFND 4 0 0
KINDER MORGAN INC DEL COM 49456B101 395,685 12,377 SH SOLE 9,403 0 2,974
LOCKHEED MARTIN CORP COM 539830109 4,863,016 9,545 SH SOLE 6,432 0 3,114
LOCKHEED MARTIN CORP COM 539830109 509 1 SH DFND 1 0 0
MASTERCARD INCORPORATED CL A 57636Q104 4,460,948 8,686 SH SOLE 6,089 0 2,597
MASTERCARD INCORPORATED CL A 57636Q104 1,027 2 SH DFND 2 0 0
MERCK & CO INC COM 58933Y105 364,277 2,835 SH SOLE 1,890 0 945
META PLATFORMS INC CL A 30303M102 7,773,848 13,801 SH SOLE 8,185 0 5,616
META PLATFORMS INC CL A 30303M102 563 1 SH DFND 1 0 0
MICRON TECHNOLOGY INC COM 595112103 1,178,603 1,021 SH SOLE 1,006 0 15
MICROSOFT CORP COM 594918104 1,119 3 SH DFND 3 0 0
MICROSOFT CORP COM 594918104 9,105,839 24,411 SH SOLE 16,508 0 7,904
MOLSON COORS BEVERAGE CO CL B 60871R209 1,130 29 SH DFND 29 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209 4,002,122 102,724 SH SOLE 73,225 0 29,499
NETFLIX INC. COM 64110L106 1,000 14 SH DFND 14 0 0
NETFLIX INC. COM 64110L106 5,158,659 72,250 SH SOLE 47,722 0 24,528
NEXTERA ENERGY INC COM 65339F101 212,908 2,426 SH SOLE 2,079 0 347
NVIDIA CORPORATION COM 67066G104 12,090,829 60,427 SH SOLE 34,420 0 26,007
NVIDIA CORPORATION COM 67066G104 1,201 6 SH DFND 6 0 0
OCCIDENTAL PETE CORP COM 674599105 1,020 21 SH DFND 21 0 0
OCCIDENTAL PETE CORP COM 674599105 3,656,497 75,283 SH SOLE 53,570 0 21,713
PFIZER INC COM 717081103 237,342 9,856 SH SOLE 6,289 0 3,567
PHILIP MORRIS INTL INC COM 718172109 1,266 7 SH DFND 7 0 0
PHILIP MORRIS INTL INC COM 718172109 5,560,733 30,738 SH SOLE 21,300 0 9,438
PROSHARES TR ULTRA BITCO ETF 74349Y563 480,447 6,900 SH SOLE 6,900 0 0
PRUDENTIAL FINL INC COM 744320102 225,554 2,090 SH SOLE 1,256 0 834
QUEST DIAGNOSTICS INC COM 74834L100 335,517 1,583 SH SOLE 1,573 0 10
REALTY INCOME CORP COM 756109104 404,677 6,531 SH SOLE 4,293 0 2,238
ROOT INC CL A NEW 77664L207 559 10 SH DFND 10 0 0
ROOT INC CL A NEW 77664L207 1,532,273 27,401 SH SOLE 20,136 0 7,265
SALESFORCE INC COM 79466L302 476,917 3,044 SH SOLE 1,466 0 1,578
SCHWAB CHARLES CORP COM 808513105 325,688 3,530 SH SOLE 3,530 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,388 117 SH DFND 117 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 11,837,995 408,771 SH SOLE 296,216 0 112,554
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,391 170 SH DFND 68 102 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 11,544,647 364,070 SH SOLE 120,964 0 243,105
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 15,001,758 443,314 SH SOLE 136,561 0 306,754
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 8,392 248 SH DFND 102 146 0
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 214,322 4,727 SH SOLE 4,727 0 0
SPDR GOLD TR GOLD SHS 78463V107 438,372 1,190 SH SOLE 664 0 526
SPDR SERIES TRUST ST STR P500ETF 78464A854 492,128 5,600 SH SOLE 5,600 0 0
SPDR SERIES TRUST SP O&G EXPL PRO 78468R556 333,664 2,163 SH SOLE 2,163 0 0
SPROUTS FMRS MKT INC COM 85208M102 5,034,051 59,518 SH SOLE 43,394 0 16,124
SPROUTS FMRS MKT INC COM 85208M102 1,353 16 SH DFND 16 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,136,619 1,522 SH SOLE 629 0 893
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 1,514,852 3,172 SH SOLE 1,604 0 1,568
TANDEM DIABETES CARE INC COM NEW 875372203 150,900 10,000 SH SOLE 0 0 10,000
TARGET CORP COM 87612E106 259,059 1,983 SH SOLE 1,241 0 742
TESLA INC COM 88160R101 1,353,070 3,217 SH SOLE 1,591 0 1,626
US BANCORP COM NEW 902973304 254,605 4,215 SH SOLE 2,466 0 1,749
USCF ETF TR SUMMERHAVEN K1 90290T809 1,190 45 SH DFND 18 27 0
USCF ETF TR SUMMERHAVEN K1 90290T809 1,605,886 60,737 SH SOLE 11,070 0 49,667
VANGUARD INDEX FDS TOTAL STK MKT 922908769 275,680 745 SH SOLE 745 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 14,211,124 65,210 SH SOLE 19,129 0 46,081
VANGUARD INDEX FDS MID CAP ETF 922908629 6,446 80 SH DFND 32 48 0
VANGUARD INDEX FDS VALUE ETF 922908744 8,935 41 SH DFND 16 25 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 603,939 1,992 SH SOLE 1,027 0 965
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 13,603,259 19,806 SH SOLE 5,665 0 14,141
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,868 10 SH DFND 4 6 0
VANGUARD INDEX FDS MID CAP ETF 922908629 11,237,683 139,477 SH SOLE 41,752 0 97,725
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 439,052 4,471 SH SOLE 4,471 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 201,832 675 SH SOLE 675 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 262,860 6,208 SH SOLE 3,198 0 3,010
VERTIV HOLDINGS CO COM CL A 92537N108 2,009 6 SH DFND 6 0 0
VERTIV HOLDINGS CO COM CL A 92537N108 8,862,377 26,469 SH SOLE 18,278 0 8,191
VICI PPTYS INC COM 925652109 323,071 12,168 SH SOLE 10,125 0 2,043
WALMART INC COM 931142103 435,824 3,848 SH SOLE 3,848 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104 2,901,176 108,821 SH SOLE 78,425 0 30,396
WARNER BROS DISCOVERY INC COM SER A 934423104 613 23 SH DFND 23 0 0
YETI HLDGS INC COM 98585X104 743 15 SH DFND 15 0 0
YETI HLDGS INC COM 98585X104 2,980,463 60,138 SH SOLE 41,946 0 18,192