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
ALCOA CORP COM 013872106 260,907 6,212 SH SOLE 0 0 6,212
ALPHABET INC CAP STK CL A 02079K305 504,479 1,466 SH SOLE 0 0 1,466
ALPHABET INC CAP STK CL C 02079K107 381,975 1,121 SH SOLE 0 0 1,121
AMAZON COM INC COM 023135106 609,826 2,447 SH SOLE 0 0 2,447
AMERICAN CENTY ETF TR AVANTIS CORE FI 025072562 710,194 18,029 SH SOLE 0 0 18,029
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 13,769,633 146,454 SH SOLE 142 0 146,312
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 836,357 9,281 SH SOLE 0 0 9,281
AMERICAN CENTY ETF TR US EQT ETF 025072885 7,601,644 59,346 SH SOLE 0 0 59,346
AMERICAN CENTY ETF TR US SML CP VALU 025072877 13,153,161 111,685 SH SOLE 127 0 111,558
AMERICAN TOWER CORP COM 03027X100 328,035 2,004 SH SOLE 0 0 2,004
AMGEN INC COM 031162100 1,153,237 2,735 SH SOLE 0 0 2,735
APPLE INC COM 037833100 1,009,411 3,031 SH SOLE 0 0 3,031
ASML HLDG NV N Y REGISTRY SHS N07059210 389,524 215 SH SOLE 0 0 215
AUTONATION INC COM 05329W102 469,486 2,982 SH SOLE 0 0 2,982
BECTON DICKINSON & CO COM 075887109 401,318 2,242 SH SOLE 0 0 2,242
BERKSHIRE HATHAWAY INC DEL CL A 084670108 747,005 1 SH SOLE 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,224,459 2,459 SH SOLE 0 0 2,459
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 3,480,834 50,257 SH SOLE 0 0 50,257
BLACKROCK ETF TRUST ISHARES US LARG 09290C863 244,378 7,091 SH SOLE 0 0 7,091
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 2,452,937 48,295 SH SOLE 0 0 48,295
BLACKROCK ETF TRUST II ISHARES AAA CLO 092528504 267,606 5,157 SH SOLE 0 0 5,157
BLACKROCK FLOATING RATE INCO COM 09255X100 190,658 18,089 SH SOLE 0 0 18,089
BROADCOM INC COM 11135F101 418,086 1,190 SH SOLE 0 0 1,190
CARDINAL HEALTH INC COM 14149Y108 773,987 3,478 SH SOLE 0 0 3,478
CBOE GLOBAL MKTS INC COM 12503M108 262,810 954 SH SOLE 0 0 954
CHEVRON CORPORATION COM 166764100 605,006 2,962 SH SOLE 0 0 2,962
CROWDSTRIKE HLDGS INC CL A 22788C105 223,469 844 SH SOLE 0 0 844
DEVON ENERGY CORP NEW COM 25179M103 623,934 13,552 SH SOLE 0 0 13,552
DIMENSIONAL ETF TRUST CORE FIXE IN ETF 25434V872 5,636,459 140,490 SH SOLE 0 0 140,490
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 680,660 17,426 SH SOLE 0 0 17,426
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 964,031 23,268 SH SOLE 0 0 23,268
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 637,301 16,945 SH SOLE 0 0 16,945
DISNEY WALT CO COM 254687106 211,583 2,017 SH SOLE 0 0 2,017
DUKE ENERGY CORP NEW COM NEW 26441C204 666,527 5,846 SH SOLE 0 0 5,846
EAST WEST BANCORP INC COM 27579R104 665,030 5,366 SH SOLE 0 0 5,366
EDISON INTL COM 281020107 294,172 5,475 SH SOLE 0 0 5,475
ELEVANCE HEALTH INC FORMERLY COM 036752103 588,285 1,513 SH SOLE 0 0 1,513
EMERSON ELEC CO COM 291011104 410,984 2,649 SH SOLE 0 0 2,649
ETF SER SOLUTIONS APTUS COLLRD INV 26922A222 2,662,376 56,742 SH SOLE 0 0 56,742
ETF SER SOLUTIONS APTUS DEFINED 26922A388 819,626 30,166 SH SOLE 0 0 30,166
ETF SER SOLUTIONS OPUS SML CP VL 26922A446 910,258 23,232 SH SOLE 0 0 23,232
EXTRA SPACE STORAGE INC COM 30225T102 395,714 3,009 SH SOLE 0 0 3,009
FIFTH THIRD BANCORP COM 316773100 222,206 4,393 SH SOLE 0 0 4,393
GILEAD SCIENCES INC COM 375558103 629,438 4,223 SH SOLE 0 0 4,223
HASBRO INC COM 418056107 639,929 7,298 SH SOLE 0 0 7,298
HERSHEY CO COM 427866108 304,030 1,929 SH SOLE 0 0 1,929
HOME DEPOT INC COM 437076102 760,373 2,672 SH SOLE 0 0 2,672
HOWMET AEROSPACE INC COM 443201108 465,529 2,058 SH SOLE 0 0 2,058
INTEL CORP COM 458140100 744,464 6,192 SH SOLE 0 0 6,192
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107 458,657 5,369 SH SOLE 0 0 5,369
INVESCO EXCH TRADED FD TR II S&P 500 HB ETF 46138E370 2,130,466 14,134 SH SOLE 86 0 14,048
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,777,638 13,352 SH SOLE 0 0 13,352
INVESCO EXCHANGE TRADED FD T SEMICONDUCTORS 46137V647 257,967 1,691 SH SOLE 0 0 1,691
INVESCO QQQ TR UNIT SER 1 46090E103 7,025,108 9,496 SH SOLE 21 0 9,475
ISHARES INC ASIA/PAC DIV ETF 464286293 316,151 6,343 SH SOLE 0 0 6,343
ISHARES INC MSCI FRANCE ETF 464286707 661,109 15,519 SH SOLE 0 0 15,519
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,180,312 21,868 SH SOLE 0 0 21,868
ISHARES TR CORE DIV GRWTH 46434V621 282,396 3,745 SH SOLE 0 0 3,745
ISHARES TR CORE MSCI EAFE 46432F842 349,554 3,608 SH SOLE 0 0 3,608
ISHARES TR CORE S&P US GWT 464287671 266,763 1,376 SH SOLE 0 0 1,376
ISHARES TR CORE S&P500 ETF 464287200 737,084 962 SH SOLE 0 0 962
ISHARES TR CORE UNIVRSL USD 46434V613 2,917,789 66,178 SH SOLE 0 0 66,178
ISHARES TR FUTU AI TECH ETF 46435U556 664,462 8,483 SH SOLE 0 0 8,483
ISHARES TR MSCI UK ETF NEW 46435G334 485,773 10,440 SH SOLE 0 0 10,440
ISHARES TR RUSSELL 2000 ETF 464287655 288,925 1,039 SH SOLE 0 0 1,039
ISHARES TR SYSTEMATIC BD ET 46435U796 951,120 11,285 SH SOLE 0 0 11,285
ISHARES TR U.S. TECH ETF 464287721 945,726 3,570 SH SOLE 0 0 3,570
ISHARES TR US AER DEF ETF 464288760 1,286,548 6,209 SH SOLE 0 0 6,209
ISHARES U S ETF TR SHOR DURA BD ETF 46431W507 1,824,535 36,593 SH SOLE 324 0 36,269
KIMCO REALTY CORP COM 49446R109 554,806 24,980 SH SOLE 0 0 24,980
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505 227,025 5,442 SH SOLE 0 0 5,442
MCKESSON CORP COM 58155Q103 284,333 333 SH SOLE 0 0 333
MEDTRONIC PLC SHS G5960L103 790,004 9,155 SH SOLE 0 0 9,155
META PLATFORMS INC CL A 30303M102 1,286,890 1,774 SH SOLE 0 0 1,774
MICRON TECHNOLOGY INC COM 595112103 247,136 232 SH SOLE 0 0 232
MICROSOFT CORP COM 594918104 1,984,419 3,869 SH SOLE 0 0 3,869
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 132,434 11,985 SH SOLE 0 0 11,985
MORGAN STANLEY COM NEW 617446448 354,483 1,884 SH SOLE 0 0 1,884
MOTOROLA SOLUTIONS INC COM NEW 620076307 412,037 923 SH SOLE 0 0 923
MSCI INC COM 55354G100 266,294 494 SH SOLE 0 0 494
NEWMONT CORP COM 651639106 776,182 6,729 SH SOLE 0 0 6,729
NORTHERN LIGHTS FD TR TOEWS AGILTY SHS 66538J720 8,582,083 217,448 SH SOLE 715 0 216,733
NORTHROP GRUMMAN CORP COM 666807102 529,370 1,094 SH SOLE 0 0 1,094
NOVARTIS AG SPONSORED ADR 66987V109 664,413 4,660 SH SOLE 0 0 4,660
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 187,751 13,980 SH SOLE 0 0 13,980
NVIDIA CORPORATION COM 67066G104 2,624,183 11,490 SH SOLE 0 0 11,490
PACER FDS TR US EXPORT LEAD 69374H402 3,414,690 46,246 SH SOLE 0 0 46,246
PACER FDS TR US LRG CP CASH 69374H360 428,727 10,750 SH SOLE 0 0 10,750
PALANTIR TECHNOLOGIES INC CL A 69608A108 1,640,938 8,772 SH SOLE 0 0 8,772
PGIM ETF TR PGIM ULTRA SH BD 69344A107 825,653 16,693 SH SOLE 0 0 16,693
PRICE T ROWE GROUP INC COM 74144T108 352,313 3,386 SH SOLE 0 0 3,386
PROCTER & GAMBLE CO COM 742718109 472,025 3,249 SH SOLE 0 0 3,249
PROSHARES TR ULTRPRO S&P500 74347X864 334,357 2,275 SH SOLE 0 0 2,275
QUALCOMM INC COM 747525103 317,677 1,726 SH SOLE 0 0 1,726
SABA CAPITAL INCOME & OPPORT COM NEW 880198205 367,313 46,087 SH SOLE 0 0 46,087
SALESFORCE INC COM 79466L302 382,234 1,665 SH SOLE 0 0 1,665
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 18,485,486 343,916 SH SOLE 819 0 343,097
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,438,137 52,353 SH SOLE 0 0 52,353
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 455,967 9,167 SH SOLE 0 0 9,167
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 35,106,181 977,071 SH SOLE 1,804 0 975,267
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,336,164 40,113 SH SOLE 0 0 40,113
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 940,520 27,646 SH SOLE 0 0 27,646
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 211,841 3,444 SH SOLE 0 0 3,444
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 815,559 15,272 SH SOLE 0 0 15,272
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 4,642,569 27,803 SH SOLE 81 0 27,722
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 425,577 2,174 SH SOLE 0 0 2,174
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 896,821 22,738 SH SOLE 304 0 22,434
SELLAS LIFE SCIENCES GROUP I COM NEW 81642T209 443,160 36,000 SH SOLE 0 0 36,000
SOUTHERN CO COM 842587107 700,212 8,447 SH SOLE 0 0 8,447
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 480,578 3,185 SH SOLE 0 0 3,185
SPDR GOLD TR GOLD SHS 78463V107 2,747,243 7,213 SH SOLE 0 0 7,213
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 607,604 12,101 SH SOLE 0 0 12,101
SPDR SERIES TRUST ST INTER BD ETF 78464A375 6,119,146 189,564 SH SOLE 1,769 0 187,795
SPDR SERIES TRUST ST SHO TREAS ETF 78468R101 1,846,594 64,408 SH SOLE 0 0 64,408
SPDR SERIES TRUST ST STR CORPO ETF 78464A144 343,576 12,498 SH SOLE 0 0 12,498
SPDR SERIES TRUST ST STR NYSE TECH 78464A102 328,793 860 SH SOLE 0 0 860
SPDR SERIES TRUST ST STR P500ETF 78464A854 3,655,773 40,728 SH SOLE 0 0 40,728
SPDR SERIES TRUST ST STR P500VAL 78464A508 22,999,570 376,240 SH SOLE 966 0 375,274
SPDR SERIES TRUST ST STR SP DIV 78464A763 244,679 1,670 SH SOLE 0 0 1,670
SPDR SERIES TRUST ST STR USD ETF 78468R515 1,068,116 44,747 SH SOLE 0 0 44,747
SPDR SERIES TRUST STATE STRET SPDR 78468R861 1,344,702 73,844 SH SOLE 0 0 73,844
SSGA ACTIVE ETF TR ST STR TOTAL ETF 78467V848 5,639,358 150,704 SH SOLE 1,487 0 149,217
SSGA ACTIVE TR ST STR TOTAL ETF 78470P200 399,256 8,615 SH SOLE 0 0 8,615
STATE STR CORP COM 857477103 262,583 1,504 SH SOLE 0 0 1,504
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,086,587 1,424 SH SOLE 0 0 1,424
TARGET CORP COM 87612E106 702,911 4,486 SH SOLE 0 0 4,486
TESLA INC COM 88160R101 548,568 1,546 SH SOLE 0 0 1,546
THE CIGNA GROUP COM 125523100 580,670 2,136 SH SOLE 0 0 2,136
T-MOBILE US INC COM 872590104 497,635 3,051 SH SOLE 0 0 3,051
TOTALENERGIES SE ACT F92124100 290,358 3,396 SH SOLE 0 0 3,396
UWM HOLDINGS CORPORATION COM CL A 91823B109 21,147 17,921 SH SOLE 0 0 17,921
VANECK ETF TRUST GOLD MINERS ETF 92189F106 315,641 3,595 SH SOLE 0 0 3,595
VANECK ETF TRUST REAL ASSETS ETF 92189F130 1,312,040 32,941 SH SOLE 0 0 32,941
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 445,957 7,109 SH SOLE 0 0 7,109
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 275,369 3,055 SH SOLE 0 0 3,055
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 211,429 978 SH SOLE 0 0 978
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 377,265 4,547 SH SOLE 0 0 4,547
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 450,739 3,496 SH SOLE 0 0 3,496
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 479,693 4,413 SH SOLE 0 0 4,413
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 267,580 2,384 SH SOLE 0 0 2,384
VERIZON COMMUNICATIONS INC COM 92343V104 651,306 14,198 SH SOLE 0 0 14,198
VIATRIS INC COM 92556V106 188,191 10,620 SH SOLE 0 0 10,620
WALMART INC COM 931142103 269,010 2,588 SH SOLE 0 0 2,588
WISDOMTREE TR EMER MKT HIGH FD 97717W315 409,294 7,400 SH SOLE 0 0 7,400