# EDGAR Filing Document

**Accession Number:** 0001800597
**File Stem:** 0001800597-26-000002
**Filing Date:** 2026-4
**Character Count:** 19058
**Document Hash:** 039ec9cabc483e9bba956eaec556e76c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001800597-26-000002.hdr.sgml**: 20260407

**ACCESSION NUMBER**: 0001800597-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260407

**DATE AS OF CHANGE**: 20260407

**EFFECTIVENESS DATE**: 20260407

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** First Citizens Financial Corp
- **CENTRAL INDEX KEY:** 0001800597

**ORGANIZATION NAME:**
- **EIN:** 421113318

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19669
- **FILM NUMBER:** 26845542

**BUSINESS ADDRESS:**
- **STREET 1:** 2601 4TH ST SW
- **CITY:** MASON CITY
- **STATE:** IA
- **ZIP:** 50401
- **BUSINESS PHONE:** 641-422-1600

**MAIL ADDRESS:**
- **STREET 1:** 2601 4TH ST SW
- **CITY:** MASON CITY
- **STATE:** IA
- **ZIP:** 50401

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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:** First Citizens Financial Corp<br>**Address:** 2601 4TH ST SW<br>MASON CITY, IA 50401

**Form 13F File Number:** 028-19669

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:** Jeffrey P Gribben<br>**Title:** President/CEO<br>**Phone:** 641-422-1600

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

Jeffrey P Gribben  Mason City, IA  04-07-2026<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:** 136

**Form 13F Information Table Value Total:** $211822559

      (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 |
| ABBVIE INC | Common Stock | 00287Y109 |  | 1199240 | 5514 | SH |  | SOLE |  | 5514 | 0 | 0 |
| AFLAC INC | Common Stock | 001055102 |  | 597920 | 5450 | SH |  | SOLE |  | 5450 | 0 | 0 |
| ALLIANT CORP STOCK | Common Stock | 018802108 |  | 228053 | 3178 | SH |  | SOLE |  | 3178 | 0 | 0 |
| ALPHABET INC CLASS A | Common Stock | 02079K305 |  | 740755 | 2576 | SH |  | SOLE |  | 2576 | 0 | 0 |
| ALPHABET INC CLASS C | Common Stock | 02079K107 |  | 541879 | 1889 | SH |  | SOLE |  | 1889 | 0 | 0 |
| ALTRIA GROUP INC | Common Stock | 02209S103 |  | 200742 | 3042 | SH |  | SOLE |  | 3042 | 0 | 0 |
| AMAZON COM INC | Common Stock | 023135106 |  | 799757 | 3840 | SH |  | SOLE |  | 3840 | 0 | 0 |
| ANALOG DEVICES | Common Stock | 032654105 |  | 303187 | 953 | SH |  | SOLE |  | 953 | 0 | 0 |
| APPLE INC | Common Stock | 037833100 |  | 5513334 | 21724 | SH |  | SOLE |  | 21724 | 0 | 0 |
| BANK OF AMERICA CORP | Common Stock | 060505104 |  | 676455 | 13876 | SH |  | SOLE |  | 13876 | 0 | 0 |
| BERKSHIRE HATHAWAY INC CL B | Common Stock | 084670702 |  | 4794875 | 10006 | SH |  | SOLE |  | 10006 | 0 | 0 |
| BLACKROCK CORE BOND TRUST | Fixed Income ETF | 09249E101 |  | 94440 | 10310 | SH |  | SOLE |  | 10310 | 0 | 0 |
| BROADCOM INC COM | Common Stock | 11135F101 |  | 375126 | 1212 | SH |  | SOLE |  | 1212 | 0 | 0 |
| CAPITAL ONE FINANCIAL | Common Stock | 14040H105 |  | 324908 | 1781 | SH |  | SOLE |  | 1781 | 0 | 0 |
| CASEYS GENERAL STORES | Common Stock | 147528103 |  | 295511 | 406 | SH |  | SOLE |  | 406 | 0 | 0 |
| CATERPILLAR INC STOCK | Common Stock | 149123101 |  | 2597923 | 3667 | SH |  | SOLE |  | 3667 | 0 | 0 |
| CEF SELECT UTILITIES SPDR | Exchange Traded Fund | 81369Y886 |  | 212792 | 4637 | SH |  | SOLE |  | 4637 | 0 | 0 |
| CHEVRON CORPORATION | Common Stock | 166764100 |  | 259866 | 1256 | SH |  | SOLE |  | 1256 | 0 | 0 |
| CISCO SYSTEMS INC | Common Stock | 17275R102 |  | 803289 | 10353 | SH |  | SOLE |  | 10353 | 0 | 0 |
| COCA COLA COMMON STOCK | Common Stock | 191216100 |  | 484819 | 6375 | SH |  | SOLE |  | 6375 | 0 | 0 |
| COHEN  STEERS PREFERRED AND INCOME ETF | Preferred Stock | 19249U203 |  | 292880 | 11425 | SH |  | SOLE |  | 11425 | 0 | 0 |
| CONSUMER DISCRETIONARY SELECT SECTOR SPDR FD | Exchange Traded Fund | 81369Y407 |  | 827158 | 7590 | SH |  | SOLE |  | 7590 | 0 | 0 |
| CONSUMER STAPLES SPDR | Exchange Traded Fund | 81369Y308 |  | 507866 | 6195 | SH |  | SOLE |  | 6195 | 0 | 0 |
| CORNING INC COM | Common Stock | 219350105 |  | 1247797 | 9177 | SH |  | SOLE |  | 9177 | 0 | 0 |
| COSTCO WHOLESALE CORP | Common Stock | 22160K105 |  | 399568 | 401 | SH |  | SOLE |  | 401 | 0 | 0 |
| CUMMINS INC COM | Common Stock | 231021106 |  | 3088235 | 5740 | SH |  | SOLE |  | 5740 | 0 | 0 |
| DANAHER CORPORATION | Common Stock | 235851102 |  | 232070 | 1224 | SH |  | SOLE |  | 1224 | 0 | 0 |
| DEERE  CO COM | Common Stock | 244199105 |  | 594282 | 1055 | SH |  | SOLE |  | 1055 | 0 | 0 |
| DUKE ENERGY HLDG | Common Stock | 26441C204 |  | 365192 | 2789 | SH |  | SOLE |  | 2789 | 0 | 0 |
| EATON CORP PLC | Int'l Common Stock | G29183103 |  | 237851 | 665 | SH |  | SOLE |  | 665 | 0 | 0 |
| ELI LILLY  CO | Common Stock | 532457108 |  | 2233202 | 2428 | SH |  | SOLE |  | 2428 | 0 | 0 |
| ETF VANGUARD EMERGING MARKETS | Exchange Traded Fund | 922042858 |  | 1835916 | 33967 | SH |  | SOLE |  | 33967 | 0 | 0 |
| EXXON MOBIL CORP | Common Stock | 30231G102 |  | 620107 | 3655 | SH |  | SOLE |  | 3655 | 0 | 0 |
| FEDERATED HERMES TOTAL RET BOND | Exchange Traded Fund | 31423L404 |  | 545219 | 21683 | SH |  | SOLE |  | 21683 | 0 | 0 |
| FRANKLIN US CORE BOND ETF | Exchange Traded Fund | 35473P553 |  | 479120 | 22295 | SH |  | SOLE |  | 22295 | 0 | 0 |
| GILEAD SCIENCES INC | Common Stock | 375558103 |  | 234281 | 1681 | SH |  | SOLE |  | 1681 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | Common Stock | 38141G104 |  | 1798575 | 2126 | SH |  | SOLE |  | 2126 | 0 | 0 |
| HCA HEALTHCARE INC COM | Common Stock | 40412C101 |  | 253183 | 535 | SH |  | SOLE |  | 535 | 0 | 0 |
| HOME DEPOT INC COMMON STOCK | Common Stock | 437076102 |  | 1613863 | 4907 | SH |  | SOLE |  | 4907 | 0 | 0 |
| HONEYWELL INTL INC COM | Common Stock | 438516106 |  | 510376 | 2258 | SH |  | SOLE |  | 2258 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | Exchange Traded Fund | 46138E537 |  | 276013 | 12011 | SH |  | SOLE |  | 12011 | 0 | 0 |
| INVESCO QQQ TR UNIT SER 1 | Exchange Traded Fund | 46090E103 |  | 2548827 | 4416 | SH |  | SOLE |  | 4416 | 0 | 0 |
| ISHARE DOW JONES BASIC MATERIALS | Exchange Traded Fund | 464287838 |  | 1569382 | 8921 | SH |  | SOLE |  | 8921 | 0 | 0 |
| ISHARE DOW JONES CONSUMER DISCRETIONARY ETF | Exchange Traded Fund | 464287580 |  | 4821479 | 49747 | SH |  | SOLE |  | 49747 | 0 | 0 |
| ISHARE DOW JONES ENERGY | Exchange Traded Fund | 464287796 |  | 2309698 | 35660 | SH |  | SOLE |  | 35660 | 0 | 0 |
| ISHARE DOW JONES FINANCIAL SECTOR | Exchange Traded Fund | 464287788 |  | 6392350 | 54329 | SH |  | SOLE |  | 54329 | 0 | 0 |
| ISHARE DOW JONES HEALTHCARE | Exchange Traded Fund | 464287762 |  | 5725123 | 92880 | SH |  | SOLE |  | 92880 | 0 | 0 |
| ISHARE DOW JONES INDUSTRIAL | Exchange Traded Fund | 464287754 |  | 4837837 | 32790 | SH |  | SOLE |  | 32790 | 0 | 0 |
| ISHARE DOW JONES INTL SELECT DIV IDX | Exchange Traded Fund | 464288448 |  | 754121 | 17719 | SH |  | SOLE |  | 17719 | 0 | 0 |
| ISHARE DOW JONES SELECT DIV INDEX FUND | Exchange Traded Fund | 464287168 |  | 894530 | 5908 | SH |  | SOLE |  | 5908 | 0 | 0 |
| ISHARE DOW JONES TECH | Exchange Traded Fund | 464287721 |  | 16330884 | 90017 | SH |  | SOLE |  | 90017 | 0 | 0 |
| ISHARE DOW JONES UTILITIES | Exchange Traded Fund | 464287697 |  | 1951345 | 16806 | SH |  | SOLE |  | 16806 | 0 | 0 |
| ISHARE MSCI EAFE FUND | Exchange Traded Fund | 464287465 |  | 7444043 | 76640 | SH |  | SOLE |  | 76640 | 0 | 0 |
| ISHARE S 100 INDEX | Exchange Traded Fund | 464287101 |  | 770047 | 2421 | SH |  | SOLE |  | 2421 | 0 | 0 |
| ISHARE S 500 INDEX | Exchange Traded Fund | 464287200 |  | 508197 | 778 | SH |  | SOLE |  | 778 | 0 | 0 |
| ISHARE S 500/ GROWTH INDEXFUND | Exchange Traded Fund | 464287309 |  | 2156216 | 19063 | SH |  | SOLE |  | 19063 | 0 | 0 |
| ISHARE S MIDCAP 400/GROWTH INDEX FUND | Exchange Traded Fund | 464287606 |  | 7388728 | 73432 | SH |  | SOLE |  | 73432 | 0 | 0 |
| ISHARE S MIDCAP 400/VALUE INDEX FUND | Exchange Traded Fund | 464287705 |  | 6683698 | 50443 | SH |  | SOLE |  | 50443 | 0 | 0 |
| ISHARE S SMALL CAP 600 GROWTH INDEX | Exchange Traded Fund | 464287887 |  | 4773693 | 32988 | SH |  | SOLE |  | 32988 | 0 | 0 |
| ISHARE S SMALLCAP 600 BARRA VALUE IND | Exchange Traded Fund | 464287879 |  | 4785735 | 40403 | SH |  | SOLE |  | 40403 | 0 | 0 |
| ISHARE U.S. CONSUMER STAPLES ETF | Exchange Traded Fund | 464287812 |  | 2689992 | 38412 | SH |  | SOLE |  | 38412 | 0 | 0 |
| ISHARES DJ US REAL ESTATE | Exchange Traded Fund | 464287739 |  | 1692246 | 17896 | SH |  | SOLE |  | 17896 | 0 | 0 |
| ISHARES EDGE MSCI USA QUALITY FACTOR ETF | Exchange Traded Fund | 46432F339 |  | 4439634 | 23146 | SH |  | SOLE |  | 23146 | 0 | 0 |
| ISHARES EMERGING MARKETS EQUITY FACTOR ETF | Exchange Traded Fund | 46434G889 |  | 1381188 | 22856 | SH |  | SOLE |  | 22856 | 0 | 0 |
| ISHARES MSCI EAFE GROWTH INDEX FUND ETF | Exchange Traded Fund | 464288885 |  | 864565 | 7763 | SH |  | SOLE |  | 7763 | 0 | 0 |
| ISHARES MSCI EAFE MIN VOL FACTOR ETF | Exchange Traded Fund | 46429B689 |  | 287176 | 3143 | SH |  | SOLE |  | 3143 | 0 | 0 |
| ISHARES MSCI USA MOMENTUM FACTOR ETF | Exchange Traded Fund | 46432F396 |  | 1033637 | 4307 | SH |  | SOLE |  | 4307 | 0 | 0 |
| ISHARES MSCI USA VALUE FACTOR ETF | Exchange Traded Fund | 46432F388 |  | 681659 | 4794 | SH |  | SOLE |  | 4794 | 0 | 0 |
| ISHARES MSCI VALUE INDEX FUND EAFE ETF | Exchange Traded Fund | 464288877 |  | 1340605 | 18031 | SH |  | SOLE |  | 18031 | 0 | 0 |
| ISHARES NATIONAL MUNI BD ETF | Exchange Traded Fund | 464288414 |  | 258369 | 2434 | SH |  | SOLE |  | 2434 | 0 | 0 |
| ISHARES SHORT DURATION BOND ACTIVE ETF | Exchange Traded Fund | 46431W507 |  | 3652190 | 71844 | SH |  | SOLE |  | 71844 | 0 | 0 |
| ISHARES TR CORE MSCI EAFE | Exchange Traded Fund | 46432F842 |  | 6428 | 71 | SH |  | OTR |  | 71 | 0 | 0 |
| ISHARES TR CORE MSCI EAFE | Exchange Traded Fund | 46432F842 |  | 775661 | 8568 | SH |  | SOLE |  | 8568 | 0 | 0 |
| ISHARES TR MIN VOL USA ETF | Exchange Traded Fund | 46429B697 |  | 863409 | 9310 | SH |  | SOLE |  | 9310 | 0 | 0 |
| ISHARES US EQUITY FACTOR ROTATION ACTIVE ETF | Exchange Traded Fund | 09290C103 |  | 1925758 | 33100 | SH |  | SOLE |  | 33100 | 0 | 0 |
| J P MORGAN CORE PLUS BD ETF | Exchange Traded Fund | 46641Q670 |  | 986844 | 20961 | SH |  | SOLE |  | 20961 | 0 | 0 |
| J P MORGAN EQUITY FOCUS ETF | Exchange Traded Fund | 46654Q781 |  | 1252575 | 17443 | SH |  | SOLE |  | 17443 | 0 | 0 |
| J P MORGAN INCOME ETF | Exchange Traded Fund | 46641Q159 |  | 3433920 | 74537 | SH |  | SOLE |  | 74537 | 0 | 0 |
| J P MORGAN INTL BD OPP ETF | Exchange Traded Fund | 46641Q852 |  | 767511 | 16050 | SH |  | SOLE |  | 16050 | 0 | 0 |
| JOHNSON  JOHNSON COM | Common Stock | 478160104 |  | 1786856 | 7310 | SH |  | SOLE |  | 7310 | 0 | 0 |
| JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC | Exchange Traded Fund | 46641Q837 |  | 5493766 | 108551 | SH |  | SOLE |  | 108551 | 0 | 0 |
| JP MORGAN ULTRA SHORT MUNI INC ETF | Exchange Traded Fund | 46641Q654 |  | 217838 | 4273 | SH |  | SOLE |  | 4273 | 0 | 0 |
| JPMORGAN CHASE  CO COM | Common Stock | 46625H100 |  | 2905124 | 9876 | SH |  | SOLE |  | 9876 | 0 | 0 |
| KINDER MORGAN INC | Common Stock | 49456B101 |  | 281149 | 8385 | SH |  | SOLE |  | 8385 | 0 | 0 |
| KROGER COMPANY COMMON | Common Stock | 501044101 |  | 388356 | 5367 | SH |  | SOLE |  | 5367 | 0 | 0 |
| LOEWS CORP COM | Common Stock | 540424108 |  | 266850 | 2500 | SH |  | SOLE |  | 2500 | 0 | 0 |
| LOWES COMPANIES INC | Common Stock | 548661107 |  | 1013405 | 4289 | SH |  | SOLE |  | 4289 | 0 | 0 |
| M  T BK CORP COM | Common Stock | 55261F104 |  | 220570 | 1067 | SH |  | SOLE |  | 1067 | 0 | 0 |
| MARTIN MARIETTA | Common Stock | 573284106 |  | 328483 | 558 | SH |  | SOLE |  | 558 | 0 | 0 |
| MCDONALDS CORP | Common Stock | 580135101 |  | 1012243 | 3257 | SH |  | SOLE |  | 3257 | 0 | 0 |
| MEDTRONIC PLC | Int'l Common Stock | G5960L103 |  | 229536 | 2649 | SH |  | SOLE |  | 2649 | 0 | 0 |
| MERCK  CO INC COM | Common Stock | 58933Y105 |  | 567167 | 4715 | SH |  | SOLE |  | 4715 | 0 | 0 |
| META PLATFORMS INC | Common Stock | 30303M102 |  | 635064 | 1110 | SH |  | SOLE |  | 1110 | 0 | 0 |
| MICROSOFT CORP | Common Stock | 594918104 |  | 2995045 | 8091 | SH |  | SOLE |  | 8091 | 0 | 0 |
| MORGAN STANLEY | Common Stock | 617446448 |  | 1687830 | 10256 | SH |  | SOLE |  | 10256 | 0 | 0 |
| NEXTERA ENERGY INC | Common Stock | 65339F101 |  | 295358 | 3180 | SH |  | SOLE |  | 3180 | 0 | 0 |
| NVIDIA CORP | Common Stock | 67066G104 |  | 1746616 | 10015 | SH |  | SOLE |  | 10015 | 0 | 0 |
| NYMOX PHARMACEUTICAL CORP ORD SHS Corp | Common Stock | P73398102 |  | 2457 | 35100 | SH |  | SOLE |  | 35100 | 0 | 0 |
| ORACLE CORP COM | Common Stock | 68389X105 |  | 430297 | 2925 | SH |  | SOLE |  | 2925 | 0 | 0 |
| PGIM ACTIVE HIGH YIELD BD ETF | Exchange Traded Fund | 69344A206 |  | 2230137 | 64399 | SH |  | SOLE |  | 64399 | 0 | 0 |
| PGIM ETF TR TOTAL RETURN BOND | Exchange Traded Fund | 69344A800 |  | 2181641 | 52557 | SH |  | SOLE |  | 52557 | 0 | 0 |
| PGIM ULTRA SHORT ETF BOND | Exchange Traded Fund | 69344A107 |  | 3175326 | 64148 | SH |  | SOLE |  | 64148 | 0 | 0 |
| PHILLIP MORRIS INTL INC | Common Stock | 718172109 |  | 353662 | 2139 | SH |  | SOLE |  | 2139 | 0 | 0 |
| PIMCO MULTISECTOR BD | Exchange Traded Fund | 72201R585 |  | 2110593 | 80557 | SH |  | SOLE |  | 80557 | 0 | 0 |
| PNC FINANCIAL SERVICES CORP | Common Stock | 693475105 |  | 593057 | 2850 | SH |  | SOLE |  | 2850 | 0 | 0 |
| PRINCIPAL FINL GROUP | Common Stock | 74251V102 |  | 306734 | 3404 | SH |  | SOLE |  | 3404 | 0 | 0 |
| PRINCIPAL SPECTRUM PREF SEC ACTIVE ETF | Preferred Stock | 74255Y888 |  | 1107689 | 58857 | SH |  | SOLE |  | 58857 | 0 | 0 |
| PROCTER  GAMBLE CO COM | Common Stock | 742718109 |  | 569527 | 3943 | SH |  | SOLE |  | 3943 | 0 | 0 |
| QUANTA SERVICES INC ORD SHS | Common Stock | 74762E102 |  | 201490 | 367 | SH |  | SOLE |  | 367 | 0 | 0 |
| RTX CORPORATION | Common Stock | 75513E101 |  | 687689 | 3565 | SH |  | SOLE |  | 3565 | 0 | 0 |
| SECTOR SPDR-ENERGY | Exchange Traded Fund | 81369Y506 |  | 744983 | 12161 | SH |  | SOLE |  | 12161 | 0 | 0 |
| SELECT SECTOR SPDR TR COMMUNICATION | Exchange Traded Fund | 81369Y852 |  | 1118467 | 10089 | SH |  | SOLE |  | 10089 | 0 | 0 |
| SELECT SECTOR SPDR TR SBI HEALTHCARE | Exchange Traded Fund | 81369Y209 |  | 851218 | 5806 | SH |  | SOLE |  | 5806 | 0 | 0 |
| SELECT SECTOR SPDR TR SBI INT-INDS | Exchange Traded Fund | 81369Y704 |  | 941269 | 5820 | SH |  | SOLE |  | 5820 | 0 | 0 |
| SELECT SECTOR SPDR TRX FINANCIAL | Exchange Traded Fund | 81369Y605 |  | 1324301 | 26824 | SH |  | SOLE |  | 26824 | 0 | 0 |
| SOUTHERN CO COM | Common Stock | 842587107 |  | 269291 | 2790 | SH |  | SOLE |  | 2790 | 0 | 0 |
| SPDR DOW JONES INDL AVRG ETF UT SER 1 | Exchange Traded Fund | 78467X109 |  | 358972 | 775 | SH |  | SOLE |  | 775 | 0 | 0 |
| SPDR S 500 ETF TRUST | Exchange Traded Fund | 78462F103 |  | 371994 | 572 | SH |  | SOLE |  | 572 | 0 | 0 |
| SPDR SER TR PRTFLO S GW | Exchange Traded Fund | 78464A409 |  | 251727 | 2571 | SH |  | SOLE |  | 2571 | 0 | 0 |
| SPDR SER TR SPDR BLOOMBERG | Exchange Traded Fund | 78468R663 |  | 1442872 | 15745 | SH |  | SOLE |  | 15745 | 0 | 0 |
| STEEL DYNAMICS INC | Common Stock | 858119100 |  | 1116000 | 6200 | SH |  | SOLE |  | 6200 | 0 | 0 |
| TECHNOLOGY SELECT SECTOR SPDR FD | Exchange Traded Fund | 81369Y803 |  | 3127536 | 23533 | SH |  | SOLE |  | 23533 | 0 | 0 |
| TRANE TECHNOLOGIES PLC ORD SHS | Int'l Common Stock | G8994E103 |  | 421741 | 1012 | SH |  | SOLE |  | 1012 | 0 | 0 |
| UNION PACIFIC CORP | Common Stock | 907818108 |  | 643913 | 2654 | SH |  | SOLE |  | 2654 | 0 | 0 |
| VANGUARD COMMUNICATION SERVICES ETF | Exchange Traded Fund | 92204A884 |  | 1296107 | 7207 | SH |  | SOLE |  | 7207 | 0 | 0 |
| VANGUARD INDEX FDS S 500 ETF SHS | Exchange Traded Fund | 922908363 |  | 645354 | 1080 | SH |  | SOLE |  | 1080 | 0 | 0 |
| VANGUARD INTERMEDIATE TERM B | Exchange Traded Fund | 921937819 |  | 574528 | 7444 | SH |  | SOLE |  | 7444 | 0 | 0 |
| VANGUARD MALVERN FDS CORE BD ETF | Exchange Traded Fund | 922020748 |  | 1008648 | 13035 | SH |  | SOLE |  | 13035 | 0 | 0 |
| VANGUARD MUN BD FDS | Exchange Traded Fund | 922907746 |  | 417779 | 8374 | SH |  | SOLE |  | 8374 | 0 | 0 |
| VANGUARD TOTAL BOND MARKET ETF | Exchange Traded Fund | 921937835 |  | 609518 | 8277 | SH |  | SOLE |  | 8277 | 0 | 0 |
| VANGUARD TOTAL INTL STOCK INDEX | Exchange Traded Fund | 921909768 |  | 576397 | 7475 | SH |  | SOLE |  | 7475 | 0 | 0 |
| VANGUARD TOTAL STOCK MKT INDEX | Exchange Traded Fund | 922908769 |  | 5323200 | 16593 | SH |  | SOLE |  | 16593 | 0 | 0 |
| VANGUARD US MULTIFACTOR | Exchange Traded Fund | 921935607 |  | 345352 | 2227 | SH |  | SOLE |  | 2227 | 0 | 0 |
| VISA INC | Common Stock | 92826C839 |  | 1092598 | 3615 | SH |  | SOLE |  | 3615 | 0 | 0 |
| WAL MART STORES INC COM | Common Stock | 931142103 |  | 253034 | 2036 | SH |  | SOLE |  | 2036 | 0 | 0 |
| WELLS FARGO  CO NEW | Common Stock | 949746101 |  | 457280 | 5744 | SH |  | SOLE |  | 5744 | 0 | 0 |

---