# EDGAR Filing Document

**Accession Number:** 0002040901
**File Stem:** 0001398344-25-014680
**Filing Date:** 2025-8
**Character Count:** 25167
**Document Hash:** 38ddca8f605bc6f25b81bdfb44b3bbe7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-25-014680.hdr.sgml**: 20250807

**ACCESSION NUMBER**: 0001398344-25-014680

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250807

**DATE AS OF CHANGE**: 20250807

**EFFECTIVENESS DATE**: 20250807

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Financially Speaking Inc
- **CENTRAL INDEX KEY:** 0002040901

**ORGANIZATION NAME:**
- **EIN:** 841158352
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24901
- **FILM NUMBER:** 251192628

**BUSINESS ADDRESS:**
- **STREET 1:** 5889 GREENWOOD PLAZA BLVD.
- **STREET 2:** SUITE 400
- **CITY:** GREENWOOD VILLAGE
- **STATE:** CO
- **ZIP:** 80111
- **BUSINESS PHONE:** 3032900702

**MAIL ADDRESS:**
- **STREET 1:** 5889 GREENWOOD PLAZA BLVD.
- **STREET 2:** SUITE 400
- **CITY:** GREENWOOD VILLAGE
- **STATE:** CO
- **ZIP:** 80111

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Financially Speaking Inc<br>**Address:** 5889 GREENWOOD PLAZA BLVD.<br>SUITE 400<br>GREENWOOD VILLAGE, CO 80111

**Form 13F File Number:** 028-24901

**CRD Number (if applicable):** 000106255

**SEC File Number (if applicable):** 801-38948

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Philip H Luccock<br>**Title:** President<br>**Phone:** 303-290-0702

**Signature, Place, and Date of Signing:**

/s/ Philip H Luccock  Greenwood Village, CO  08-05-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 202

**Form 13F Information Table Value Total:** $151976462

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| AMAZON.COM INC | COMMON STOCK | 023135106 |  | 84904 | 387 | SH |  | SOLE |  | 0 | 0 | 387 |
| JPMORGAN DIVERSIFIED RETURN INTERNAT | UIT EXCHANGE TRADED | 46641Q209 |  | 6662402 | 103889 | SH |  | SOLE |  | 0 | 0 | 103889 |
| COSTCO WHSL CORP NEW | COMMON STOCK | 22160K105 |  | 25738 | 26 | SH |  | SOLE |  | 0 | 0 | 26 |
| HALLADOR ENERGY CO | COMMON STOCK | 40609P105 |  | 11081 | 700 | SH |  | SOLE |  | 0 | 0 | 700 |
| COLUMBIA INCOME OPPORTUNITIES A | NTF BOND FUNDS | 19763T103 |  | 3147 | 354 | SH |  | SOLE |  | 0 | 0 | 354 |
| SPOTIFY TECHNOLOGY S A F | FOREIGN ORDINARIES | L8681T102 |  | 12277 | 16 | SH |  | SOLE |  | 0 | 0 | 16 |
| SALESFORCE INC | COMMON STOCK | 79466L302 |  | 3000 | 11 | SH |  | SOLE |  | 0 | 0 | 11 |
| BLACKROCK US CARBON TRNSREADINS ETF | UIT EXCHANGE TRADED | 09290C509 |  | 4036 | 60 | SH |  | SOLE |  | 0 | 0 | 60 |
| SPDR FUND CONSUMER DISCRE SELECT ETF | UIT EXCHANGE TRADED | 81369Y407 |  | 2608 | 12 | SH |  | SOLE |  | 0 | 0 | 12 |
| NORTHROP GRUMMAN CORP | COMMON STOCK | 666807102 |  | 41498 | 83 | SH |  | SOLE |  | 0 | 0 | 83 |
| PHILIP MORRIS INTL INC | COMMON STOCK | 718172109 |  | 15481 | 85 | SH |  | SOLE |  | 0 | 0 | 85 |
| MFS TOTAL RETURN BOND I | NTF BOND FUNDS | 55272P778 |  | 21 | 2 | SH |  | SOLE |  | 0 | 0 | 2 |
| SEMTECH CORP | COMMON STOCK | 816850101 |  | 11285 | 250 | SH |  | SOLE |  | 0 | 0 | 250 |
| NETFLIX INC | COMMON STOCK | 64110L106 |  | 9374 | 7 | SH |  | SOLE |  | 0 | 0 | 7 |
| ICON FLEXIBLE BD FD INV | NTF BOND FUNDS | 78410K717 |  | 26264 | 3086 | SH |  | SOLE |  | 0 | 0 | 3086 |
| SCHWAB S 500 INDEX | SCHWAB MUTL FUNDS | 808509855 |  | 3984 | 42 | SH |  | SOLE |  | 0 | 0 | 42 |
| CALVERT MID-CAP A | NTF EQUITY FUNDS | 131649303 |  | 15671 | 422 | SH |  | SOLE |  | 0 | 0 | 422 |
| PUTNAM CONVERTIBLE SECURITIES A | NTF BOND FUNDS | 746476100 |  | 129441 | 4792 | SH |  | SOLE |  | 0 | 0 | 4792 |
| WONDER AUTO TECHNOLOGXXXESC PEND POSS FUTR DISTR | ESCROW POSITION | 978ESC101 |  | 0 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| JPMORGAN DIVERSIFIED RETURN INTERNAT | UIT EXCHANGE TRADED | 46641Q209 |  | 79842 | 1245 | SH |  | SOLE |  | 0 | 0 | 1245 |
| VERIZON COMMUNICATIONS I | COMMON STOCK | 92343V104 |  | 52789 | 1220 | SH |  | SOLE |  | 0 | 0 | 1220 |
| GE VERNOVA INC | COMMON STOCK | 36828A101 |  | 1587 | 3 | SH |  | SOLE |  | 0 | 0 | 3 |
| ADVISORSHARES PURE US CANNABIS ETF | UIT EXCHANGE TRADED | 00768Y453 |  | 2410 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| ENTEGRIS INC | COMMON STOCK | 29362U104 |  | 1210 | 15 | SH |  | SOLE |  | 0 | 0 | 15 |
| AUTOLIV INC | COMMON STOCK | 052800109 |  | 7833 | 70 | SH |  | SOLE |  | 0 | 0 | 70 |
| MERCK  CO. INC. | COMMON STOCK | 58933Y105 |  | 13932 | 176 | SH |  | SOLE |  | 0 | 0 | 176 |
| SPDR S DIVIDEND ETF | UIT EXCHANGE TRADED | 78464A763 |  | 128944 | 950 | SH |  | SOLE |  | 0 | 0 | 950 |
| RTX CORP | COMMON STOCK | 75513E101 |  | 149963 | 1027 | SH |  | SOLE |  | 0 | 0 | 1027 |
| PALANTIR TECHNOLOGIES INCLASS A | COMMON STOCK | 69608A108 |  | 43077 | 316 | SH |  | SOLE |  | 0 | 0 | 316 |
| ISHARES SILVER TRUST ETF | UIT EXCHANGE TRADED | 46428Q109 |  | 10959 | 334 | SH |  | SOLE |  | 0 | 0 | 334 |
| ALTRIA GROUP INC | COMMON STOCK | 02209S103 |  | 167096 | 2850 | SH |  | SOLE |  | 0 | 0 | 2850 |
| ATMOS ENERGY CORP | COMMON STOCK | 049560105 |  | 9598 | 62 | SH |  | SOLE |  | 0 | 0 | 62 |
| BP P L C FSPONSORED ADR 1 ADR REPS 6 ORD SHS | AMERICAN DEPOSITORY | 055622104 |  | 9871 | 330 | SH |  | SOLE |  | 0 | 0 | 330 |
| NYLI MACKAY SHORT DURATION HIGH INC CL A | NTF BOND FUNDS | 56064B753 |  | 6748 | 709 | SH |  | SOLE |  | 0 | 0 | 709 |
| THYSSENKRUPP AG FSPONSORED ADR 1 ADR REPS 1 ORD SHS | AMERICAN DEPOSITORY | 88629Q207 |  | 50454 | 4689 | SH |  | SOLE |  | 0 | 0 | 4689 |
| JPMORGAN ULTRA SHORT INCOME ETF | UIT EXCHANGE TRADED | 46641Q837 |  | 174187 | 3437 | SH |  | SOLE |  | 0 | 0 | 3437 |
| MCDONALDS CORP | COMMON STOCK | 580135101 |  | 22789 | 78 | SH |  | SOLE |  | 0 | 0 | 78 |
| UNITEDHEALTH GROUP INC | COMMON STOCK | 91324P102 |  | 1248 | 4 | SH |  | SOLE |  | 0 | 0 | 4 |
| DHI GROUP INC | COMMON STOCK | 23331S100 |  | 7600 | 2559 | SH |  | SOLE |  | 0 | 0 | 2559 |
| AMERICAN FUNDS FUNDAMENTAL INVS A | LOAD EQUITY FUND | 360802102 |  | 347772 | 3959 | SH |  | SOLE |  | 0 | 0 | 3959 |
| COTY INC CLASS A | COMMON STOCK | 222070203 |  | 140 | 30 | SH |  | SOLE |  | 0 | 0 | 30 |
| JPMORGAN LARGE CAP GROWTH R6 | EQUITY FUNDS | 48121L841 |  | 6 | 0 | SH |  | SOLE |  | 0 | 0 | 0 |
| GE AEROSPACE | COMMON STOCK | 369604301 |  | 3346 | 13 | SH |  | SOLE |  | 0 | 0 | 13 |
| GRAYSCALE BITCOIN MINI TRUST ETF | UIT EXCHANGE TRADED | 389930207 |  | 2626 | 55 | SH |  | SOLE |  | 0 | 0 | 55 |
| PROCTER  GAMBLE CO | COMMON STOCK | 742718109 |  | 37440 | 235 | SH |  | SOLE |  | 0 | 0 | 235 |
| OCCIDENTAL PETE CORP | COMMON STOCK | 674599105 |  | 94443 | 2248 | SH |  | SOLE |  | 0 | 0 | 2248 |
| J P MORGAN NASDAQ EQT PRM INC ETF | UIT EXCHANGE TRADED | 46654Q203 |  | 4026 | 74 | SH |  | SOLE |  | 0 | 0 | 74 |
| THYSSENKRUPP AG FSPONSORED ADR 1 ADR REPS 1 ORD SHS | AMERICAN DEPOSITORY | 88629Q207 |  | 5503708 | 511497 | SH |  | SOLE |  | 0 | 0 | 511497 |
| JOHNSON  JOHNSON | COMMON STOCK | 478160104 |  | 76375 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| TCW TRANSFORM SYSTEMS ETF | UIT EXCHANGE TRADED | 29287L205 |  | 52930 | 587 | SH |  | SOLE |  | 0 | 0 | 587 |
| ROSS STORES INC | COMMON STOCK | 778296103 |  | 36233 | 284 | SH |  | SOLE |  | 0 | 0 | 284 |
| BORGWARNER INC | COMMON STOCK | 099724106 |  | 4018 | 120 | SH |  | SOLE |  | 0 | 0 | 120 |
| CHEVRON CORP NEW | COMMON STOCK | 166764100 |  | 8031 | 56 | SH |  | SOLE |  | 0 | 0 | 56 |
| SAMSARA INC CLASS A | COMMON STOCK | 79589L106 |  | 19890 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| GLOBAL X DEFENSE TECH ETF | UIT EXCHANGE TRADED | 37960A529 |  | 61214 | 1016 | SH |  | SOLE |  | 0 | 0 | 1016 |
| SCHWAB S 500 INDEX | SCHWAB MUTL FUNDS | 808509855 |  | 1601 | 17 | SH |  | SOLE |  | 0 | 0 | 17 |
| FORD MTR CO DEL | COMMON STOCK | 345370860 |  | 1519 | 140 | SH |  | SOLE |  | 0 | 0 | 140 |
| GILEAD SCIENCES INC | COMMON STOCK | 375558103 |  | 20178 | 182 | SH |  | SOLE |  | 0 | 0 | 182 |
| SCHWAB TREASURY OBLIG MONEY INV | SCHWAB NON-SWEEP MMF | 808515621 |  | 620510 | 620510 | SH |  | SOLE |  | 0 | 0 | 620510 |
| THERMO FISHER SCIENTIFIC | COMMON STOCK | 883556102 |  | 40546 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| TRANE TECHNOLOGIES PLC F | FOREIGN ORDINARIES | G8994E103 |  | 87482 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| ISHARES EUROPE ETF | UIT EXCHANGE TRADED | 464287861 |  | 380 | 6 | SH |  | SOLE |  | 0 | 0 | 6 |
| JPMORGAN CHASE  CO | COMMON STOCK | 46625H100 |  | 4349 | 15 | SH |  | SOLE |  | 0 | 0 | 15 |
| NORDSON CORP | COMMON STOCK | 655663102 |  | 21437 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| COSTCO WHSL CORP NEW | COMMON STOCK | 22160K105 |  | 154431 | 156 | SH |  | SOLE |  | 0 | 0 | 156 |
| SOUTHWEST AIRLS CO | COMMON STOCK | 844741108 |  | 1233 | 38 | SH |  | SOLE |  | 0 | 0 | 38 |
| COMMUNICAT SVS SLCT SEC SPDR ETF | UIT EXCHANGE TRADED | 81369Y852 |  | 4981093 | 45896 | SH |  | SOLE |  | 0 | 0 | 45896 |
| VANGUARD EQUITY-INCOME INV | EQUITY FUNDS | 921921102 |  | 81164 | 1824 | SH |  | SOLE |  | 0 | 0 | 1824 |
| CLOUDFLARE INC CLASS A | COMMON STOCK | 18915M107 |  | 137081 | 700 | SH |  | SOLE |  | 0 | 0 | 700 |
| WILLAMETTE VY VINEYARD I | COMMON STOCK | 969136100 |  | 552 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| GRAYSCALE ETHEREUM TR ET | CLOSED END MUTL FUND | 389638107 |  | 5737 | 275 | SH |  | SOLE |  | 0 | 0 | 275 |
| COINBASE GLOBAL INC CLASS A | COMMON STOCK | 19260Q107 |  | 12267 | 35 | SH |  | SOLE |  | 0 | 0 | 35 |
| GRAYSCALE BITCOIN TRUST ETF | UIT EXCHANGE TRADED | 389637109 |  | 23328 | 275 | SH |  | SOLE |  | 0 | 0 | 275 |
| SCHWAB US TREASURY MONEY INVESTOR | SCHWAB NON-SWEEP MMF | 808515548 |  | 632 | 632 | SH |  | SOLE |  | 0 | 0 | 632 |
| GE HEALTHCARE TECHNOLOGITENDER OFFER EXP: | COMMON STOCK | 36266G107 |  | 296 | 4 | SH |  | SOLE |  | 0 | 0 | 4 |
| APA CORP | COMMON STOCK | 03743Q108 |  | 9090 | 497 | SH |  | SOLE |  | 0 | 0 | 497 |
| NANO DIMENSION LTD FSPONSORED ADR 1 ADR REPS 1 ORD SHS | AMERICAN DEPOSITORY | 63008G203 |  | 1620 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| ALPHABET INC CLASS A | COMMON STOCK | 02079K305 |  | 57803 | 328 | SH |  | SOLE |  | 0 | 0 | 328 |
| HORMEL FOODS CORP | COMMON STOCK | 440452100 |  | 1271 | 42 | SH |  | SOLE |  | 0 | 0 | 42 |
| APPLE INC | COMMON STOCK | 037833100 |  | 2052 | 10 | SH |  | SOLE |  | 0 | 0 | 10 |
| WILLIAMS COS INC | COMMON STOCK | 969457100 |  | 14069 | 224 | SH |  | SOLE |  | 0 | 0 | 224 |
| COMMUNICAT SVS SLCT SEC SPDR ETF | UIT EXCHANGE TRADED | 81369Y852 |  | 57304 | 528 | SH |  | SOLE |  | 0 | 0 | 528 |
| FORD MTR CO DEL | COMMON STOCK | 345370860 |  | 5417 | 499 | SH |  | SOLE |  | 0 | 0 | 499 |
| IBM CORP | COMMON STOCK | 459200101 |  | 4716 | 16 | SH |  | SOLE |  | 0 | 0 | 16 |
| ADV INNER CIR FD III DM LR CP CR ETF | UIT EXCHANGE TRADED | 00774Q346 |  | 49635 | 1274 | SH |  | SOLE |  | 0 | 0 | 1274 |
| SOFI TECHNOLOGIES INC | COMMON STOCK | 83406F102 |  | 10926 | 600 | SH |  | SOLE |  | 0 | 0 | 600 |
| MCCORMICK  CO INC | COMMON STOCK | 579780206 |  | 43976 | 580 | SH |  | SOLE |  | 0 | 0 | 580 |
| LOWES COS INC | COMMON STOCK | 548661107 |  | 44374 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| LENNOX INTL INC | COMMON STOCK | 526107107 |  | 76241 | 133 | SH |  | SOLE |  | 0 | 0 | 133 |
| QUALCOMM INC | COMMON STOCK | 747525103 |  | 15926 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| BOEING CO | COMMON STOCK | 097023105 |  | 66002 | 315 | SH |  | SOLE |  | 0 | 0 | 315 |
| PALANTIR TECHNOLOGIES INCLASS A | COMMON STOCK | 69608A108 |  | 1160083 | 8510 | SH |  | SOLE |  | 0 | 0 | 8510 |
| EQT CORP | COMMON STOCK | 26884L109 |  | 14580 | 250 | SH |  | SOLE |  | 0 | 0 | 250 |
| APPLE INC | COMMON STOCK | 037833100 |  | 66482 | 324 | SH |  | SOLE |  | 0 | 0 | 324 |
| DEVON ENERGY CORP NEW | COMMON STOCK | 25179M103 |  | 509 | 16 | SH |  | SOLE |  | 0 | 0 | 16 |
| PROCTER  GAMBLE CO | COMMON STOCK | 742718109 |  | 20149 | 126 | SH |  | SOLE |  | 0 | 0 | 126 |
| SHOPIFY INC FCLASS A | FOREIGN CANADIAN | 82509L107 |  | 5075 | 44 | SH |  | SOLE |  | 0 | 0 | 44 |
| WARNER BROS DISCOVERY IN | COMMON STOCK | 934423104 |  | 1066 | 93 | SH |  | SOLE |  | 0 | 0 | 93 |
| PAYPAL HLDGS INC | COMMON STOCK | 70450Y103 |  | 743 | 10 | SH |  | SOLE |  | 0 | 0 | 10 |
| XCEL ENERGY INC | COMMON STOCK | 98389B100 |  | 26716 | 392 | SH |  | SOLE |  | 0 | 0 | 392 |
| VISA INC CLASS A | COMMON STOCK | 92826C839 |  | 3195 | 9 | SH |  | SOLE |  | 0 | 0 | 9 |
| DISNEY WALT CO | COMMON STOCK | 254687106 |  | 18726 | 151 | SH |  | SOLE |  | 0 | 0 | 151 |
| ISHARES S 500 GROWTH ETF | UIT EXCHANGE TRADED | 464287309 |  | 3743 | 34 | SH |  | SOLE |  | 0 | 0 | 34 |
| PHINIA INC | COMMON STOCK | 71880K101 |  | 1068 | 24 | SH |  | SOLE |  | 0 | 0 | 24 |
| GCI LIBERTY INC XXXESC PEND POSS FUTR DISTR | REORG STOCK | 361ESC049 |  | 0 | 38 | SH |  | SOLE |  | 0 | 0 | 38 |
| TECHNOLOGY SELECT SECTORSPDR ETF | UIT EXCHANGE TRADED | 81369Y803 |  | 6078 | 24 | SH |  | SOLE |  | 0 | 0 | 24 |
| FRANKLIN INCOME A1 | NTF BOND FUNDS | 353496300 |  | 16405 | 6779 | SH |  | SOLE |  | 0 | 0 | 6779 |
| ALLEGION PUB LTD CO F | FOREIGN ORDINARIES | G0176J109 |  | 9512 | 66 | SH |  | SOLE |  | 0 | 0 | 66 |
| VIRTUS REAVES UTILITIES ETF | UIT EXCHANGE TRADED | 26923G806 |  | 680 | 9 | SH |  | SOLE |  | 0 | 0 | 9 |
| SPDR S DIVIDEND ETF | UIT EXCHANGE TRADED | 78464A763 |  | 324045 | 2387 | SH |  | SOLE |  | 0 | 0 | 2387 |
| MACQUARIE CORE EQUITY FUND CLASS A | NTF EQUITY FUNDS | 466000106 |  | 2639 | 143 | SH |  | SOLE |  | 0 | 0 | 143 |
| TRANSAMERICA SHORT-TERM BOND A | NTF BOND FUNDS | 893962639 |  | 4276 | 425 | SH |  | SOLE |  | 0 | 0 | 425 |
| NVIDIA CORP | COMMON STOCK | 67066G104 |  | 6322 | 40 | SH |  | SOLE |  | 0 | 0 | 40 |
| BIGBEAR AI HLDGS INC | COMMON STOCK | 08975B109 |  | 6790 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| MCDONALDS CORP | COMMON STOCK | 580135101 |  | 62524 | 214 | SH |  | SOLE |  | 0 | 0 | 214 |
| GENERAL MTRS CO | COMMON STOCK | 37045V100 |  | 1526 | 31 | SH |  | SOLE |  | 0 | 0 | 31 |
| CARNIVAL CORP F | FOREIGN ORDINARIES | 143658300 |  | 2812 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| BERKSHIRE HATHAWAY CLASS B | COMMON STOCK | 084670702 |  | 49549 | 102 | SH |  | SOLE |  | 0 | 0 | 102 |
| JOHNSON  JOHNSON | COMMON STOCK | 478160104 |  | 59725 | 391 | SH |  | SOLE |  | 0 | 0 | 391 |
| CLEVELAND-CLIFFS INC NEW | COMMON STOCK | 185899101 |  | 3800 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| SCHWAB US TREASURY MONEY INVESTOR | SCHWAB NON-SWEEP MMF | 808515548 |  | 277613 | 277613 | SH |  | SOLE |  | 0 | 0 | 277613 |
| VANGUARD WELLESLEY INCOME INV | EQUITY FUNDS | 921938106 |  | 75048 | 2921 | SH |  | SOLE |  | 0 | 0 | 2921 |
| AUTOLIV INC | COMMON STOCK | 052800109 |  | 10295 | 92 | SH |  | SOLE |  | 0 | 0 | 92 |
| JPMORGAN U S TECH LEADERS ETF IV | UIT EXCHANGE TRADED | 46654Q732 |  | 262164 | 3104 | SH |  | SOLE |  | 0 | 0 | 3104 |
| AURORA INNOVATION INC CLASS A | COMMON STOCK | 051774107 |  | 2620 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| SCHWAB TREASURY OBLIG MONEY INV | SCHWAB NON-SWEEP MMF | 808515621 |  | 54710588 | 54710588 | SH |  | SOLE |  | 0 | 0 | 54710588 |
| SCHWAB TREASURY OBLIG MONEY ULTRA | SCHWAB NON-SWEEP MMF | 808515480 |  | 2517973 | 2517973 | SH |  | SOLE |  | 0 | 0 | 2517973 |
| LINDE PLC F | FOREIGN ORDINARIES | G54950103 |  | 65685 | 140 | SH |  | SOLE |  | 0 | 0 | 140 |
| PROGRESSIVE CORP OH | COMMON STOCK | 743315103 |  | 3736 | 14 | SH |  | SOLE |  | 0 | 0 | 14 |
| BUMBLE INC CLASS A | COMMON STOCK | 12047B105 |  | 330 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| SOUNDHOUND AI INC CLASS A | COMMON STOCK | 836100107 |  | 8048 | 750 | SH |  | SOLE |  | 0 | 0 | 750 |
| ZETA GLOBAL HLDGS CORP CLASS A | COMMON STOCK | 98956A105 |  | 2494 | 161 | SH |  | SOLE |  | 0 | 0 | 161 |
| WASATCH MICRO CAP | NTF EQUITY FUNDS | 936772508 |  | 2551 | 328 | SH |  | SOLE |  | 0 | 0 | 328 |
| AT INC | COMMON STOCK | 00206R102 |  | 21126 | 730 | SH |  | SOLE |  | 0 | 0 | 730 |
| IMPAX ELLEVATE GLOBAL WOMEN'S LDR INV | NTF EQUITY FUNDS | 70422T208 |  | 2324 | 67 | SH |  | SOLE |  | 0 | 0 | 67 |
| BOEING CO | COMMON STOCK | 097023105 |  | 21372 | 102 | SH |  | SOLE |  | 0 | 0 | 102 |
| CELSIUS HLDGS INC | COMMON STOCK | 15118V207 |  | 23195 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| NEXTERA ENERGY INC | COMMON STOCK | 65339F101 |  | 902 | 13 | SH |  | SOLE |  | 0 | 0 | 13 |
| ALPHABET INC CLASS A | COMMON STOCK | 02079K305 |  | 35246 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| UBER TECHNOLOGIES INC | COMMON STOCK | 90353T100 |  | 36387 | 390 | SH |  | SOLE |  | 0 | 0 | 390 |
| ISHARES US AEROSPACE DEFENSE ETF | UIT EXCHANGE TRADED | 464288760 |  | 62063 | 329 | SH |  | SOLE |  | 0 | 0 | 329 |
| CROWDSTRIKE HLDGS INC CLASS A | COMMON STOCK | 22788C105 |  | 38198 | 75 | SH |  | SOLE |  | 0 | 0 | 75 |
| JPMORGAN U S TECH LEADERS ETF IV | UIT EXCHANGE TRADED | 46654Q732 |  | 16573164 | 196225 | SH |  | SOLE |  | 0 | 0 | 196225 |
| NVIDIA CORP | COMMON STOCK | 67066G104 |  | 389287 | 2464 | SH |  | SOLE |  | 0 | 0 | 2464 |
| MEDTRONIC PLC F | FOREIGN ORDINARIES | G5960L103 |  | 215136 | 2468 | SH |  | SOLE |  | 0 | 0 | 2468 |
| META PLATFORMS INC CLASS A | COMMON STOCK | 30303M102 |  | 73809 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| RIVIAN AUTOMOTIVE INC CLASS A | COMMON STOCK | 76954A103 |  | 25240 | 1837 | SH |  | SOLE |  | 0 | 0 | 1837 |
| SCHWAB US TREASURY MONEY INVESTOR | SCHWAB NON-SWEEP MMF | 808515548 |  | 675576 | 675576 | SH |  | SOLE |  | 0 | 0 | 675576 |
| JUMIA TECHNOLOGIES AG FUNSPONSORED ADR 1 ADR REPS 2 ORD SHS | AMERICAN DEPOSITORY | 48138M105 |  | 4020 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| ISHARES US AEROSPACE DEFENSE ETF | UIT EXCHANGE TRADED | 464288760 |  | 4981605 | 26408 | SH |  | SOLE |  | 0 | 0 | 26408 |
| GREIF INC CLASS A | COMMON STOCK | 397624107 |  | 5784 | 89 | SH |  | SOLE |  | 0 | 0 | 89 |
| EXXON MOBIL CORP | COMMON STOCK | 30231G102 |  | 210426 | 1952 | SH |  | SOLE |  | 0 | 0 | 1952 |
| JPMORGAN ULTRA SHORT INCOME ETF | UIT EXCHANGE TRADED | 46641Q837 |  | 9101824 | 179594 | SH |  | SOLE |  | 0 | 0 | 179594 |
| BANK OF AMERICA CORP | COMMON STOCK | 060505104 |  | 23391 | 494 | SH |  | SOLE |  | 0 | 0 | 494 |
| ALPHABET INC CLASS C | COMMON STOCK | 02079K107 |  | 3725 | 21 | SH |  | SOLE |  | 0 | 0 | 21 |
| SCHWAB TREASURY OBLIG MONEY INV | SCHWAB NON-SWEEP MMF | 808515621 |  | 1726845 | 1726845 | SH |  | SOLE |  | 0 | 0 | 1726845 |
| FIRST SOLAR INC | COMMON STOCK | 336433107 |  | 1655 | 10 | SH |  | SOLE |  | 0 | 0 | 10 |
| DHI GROUP INC | COMMON STOCK | 23331S100 |  | 2822 | 950 | SH |  | SOLE |  | 0 | 0 | 950 |
| ADVANCED MICRO DEVIC | COMMON STOCK | 007903107 |  | 33063 | 233 | SH |  | SOLE |  | 0 | 0 | 233 |
| HIMS  HERS HEALTH INC CLASS A | COMMON STOCK | 433000106 |  | 4985 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| GRAYSCALE ETHEREUM MINI | CLOSED END MUTL FUND | 38964R203 |  | 640 | 27 | SH |  | SOLE |  | 0 | 0 | 27 |
| STRYKER CORP | COMMON STOCK | 863667101 |  | 39563 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| STARBUCKS CORP | COMMON STOCK | 855244109 |  | 37019 | 404 | SH |  | SOLE |  | 0 | 0 | 404 |
| FIDELITY LOW DURATION BOND FACTR ETF | UIT EXCHANGE TRADED | 316188408 |  | 174594 | 3487 | SH |  | SOLE |  | 0 | 0 | 3487 |
| GRANITESHARES NVDA LNG DAILY ETF | UIT EXCHANGE TRADED | 38747R827 |  | 35210 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| INVESCO S 500 LOW VOLATILITY ETF | UIT EXCHANGE TRADED | 46138E354 |  | 60149 | 826 | SH |  | SOLE |  | 0 | 0 | 826 |
| MCKESSON CORP | COMMON STOCK | 58155Q103 |  | 586224 | 800 | SH |  | SOLE |  | 0 | 0 | 800 |
| SCHWAB S 500 INDEX | SCHWAB MUTL FUNDS | 808509855 |  | 41006 | 428 | SH |  | SOLE |  | 0 | 0 | 428 |
| TRYPTAMINE THERAPE ORDF | UNLSTD FOREIGN ORDRY | Q9240A100 |  | 7138 | 361600 | SH |  | SOLE |  | 0 | 0 | 361600 |
| INTEL CORP | COMMON STOCK | 458140100 |  | 9025 | 403 | SH |  | SOLE |  | 0 | 0 | 403 |
| AMC ENTMT HLDGS INC CLASS A | COMMON STOCK | 00165C302 |  | 3100 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| SCHWAB PRIME ADVANTAGE MONEY INVESTOR | SCHWAB NON-SWEEP MMF | 808515605 |  | 216020 | 216020 | SH |  | SOLE |  | 0 | 0 | 216020 |
| FIDELITY LOW DURATION BOND FACTR ETF | UIT EXCHANGE TRADED | 316188408 |  | 9103177 | 181809 | SH |  | SOLE |  | 0 | 0 | 181809 |
| AMERICAN FUNDS WASHINGTON MUTUAL A | LOAD EQUITY FUND | 939330106 |  | 113611 | 1778 | SH |  | SOLE |  | 0 | 0 | 1778 |
| ICON FLEXIBLE BD FD INV | NTF BOND FUNDS | 78410K717 |  | 12519657 | 1471170 | SH |  | SOLE |  | 0 | 0 | 1471170 |
| OCCIDENTAL PETE CORP | COMMON STOCK | 674599105 |  | 2605 | 62 | SH |  | SOLE |  | 0 | 0 | 62 |
| NVIDIA CORP | COMMON STOCK | 67066G104 |  | 492771 | 3119 | SH |  | SOLE |  | 0 | 0 | 3119 |
| AT INC | COMMON STOCK | 00206R102 |  | 28940 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| US BANCORP DEL | COMMON STOCK | 902973304 |  | 99912 | 2208 | SH |  | SOLE |  | 0 | 0 | 2208 |
| AMAZON.COM INC | COMMON STOCK | 023135106 |  | 4388 | 20 | SH |  | SOLE |  | 0 | 0 | 20 |
| SCHWAB US LARGE CAP GROWTH ETF | UIT EXCHANGE TRADED | 808524300 |  | 7129869 | 244090 | SH |  | SOLE |  | 0 | 0 | 244090 |
| DISNEY WALT CO | COMMON STOCK | 254687106 |  | 44396 | 358 | SH |  | SOLE |  | 0 | 0 | 358 |
| PALANTIR TECHNOLOGIES INCLASS A | COMMON STOCK | 69608A108 |  | 286272 | 2100 | SH |  | SOLE |  | 0 | 0 | 2100 |
| GEVO INC | COMMON STOCK | 374396406 |  | 4620 | 3500 | SH |  | SOLE |  | 0 | 0 | 3500 |
| SCHWAB US LARGE CAP GROWTH ETF | UIT EXCHANGE TRADED | 808524300 |  | 89587 | 3067 | SH |  | SOLE |  | 0 | 0 | 3067 |
| GLOBAL X DEFENSE TECH ETF | UIT EXCHANGE TRADED | 37960A529 |  | 5275731 | 87564 | SH |  | SOLE |  | 0 | 0 | 87564 |
| MICROBOT MED INC | COMMON STOCK | 59503A204 |  | 3 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| RHEINMETALL FSPONSORED ADR 1 ADR REPS 0.2 ORD SHS | AMERICAN DEPOSITORY | 76206K107 |  | 8872 | 21 | SH |  | SOLE |  | 0 | 0 | 21 |
| NUVEEN PREFERRED SECS  INC A | NTF BOND FUNDS | 670700103 |  | 45684 | 2897 | SH |  | SOLE |  | 0 | 0 | 2897 |
| VANGUARD ENERGY INV | EQUITY FUNDS | 921908109 |  | 5813 | 120 | SH |  | SOLE |  | 0 | 0 | 120 |
| APPLIED MATLS INC | COMMON STOCK | 038222105 |  | 5492 | 30 | SH |  | SOLE |  | 0 | 0 | 30 |
| XCEL ENERGY INC | COMMON STOCK | 98389B100 |  | 232221 | 3410 | SH |  | SOLE |  | 0 | 0 | 3410 |
| EXXON MOBIL CORP | COMMON STOCK | 30231G102 |  | 10780 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| NORWEGIAN CRUISE LINE F | FOREIGN ORDINARIES | G66721104 |  | 2028 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| SCHWAB INTERNATIONAL INDEX | SCHWAB MUTL FUNDS | 808509830 |  | 5745 | 211 | SH |  | SOLE |  | 0 | 0 | 211 |
| MICROSOFT CORP | COMMON STOCK | 594918104 |  | 21886 | 44 | SH |  | SOLE |  | 0 | 0 | 44 |
| PHILLIPS 66 | COMMON STOCK | 718546104 |  | 50644 | 425 | SH |  | SOLE |  | 0 | 0 | 425 |
| CROWN CASTLE INC REIT REIT | REAL ESTATE INVESTME | 22822V101 |  | 12949 | 126 | SH |  | SOLE |  | 0 | 0 | 126 |
| KIMBERLY CLARK CORP | COMMON STOCK | 494368103 |  | 48603 | 377 | SH |  | SOLE |  | 0 | 0 | 377 |
| PNC FINL SERVICES | COMMON STOCK | 693475105 |  | 37284 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| BNY MELLON SUST US EQUITY A | NTF EQUITY FUNDS | 09661D102 |  | 28601 | 1485 | SH |  | SOLE |  | 0 | 0 | 1485 |
| AMAZON.COM INC | COMMON STOCK | 023135106 |  | 30715 | 140 | SH |  | SOLE |  | 0 | 0 | 140 |

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