# EDGAR Filing Document

**Accession Number:** 0001698091
**File Stem:** 0001698091-26-000003
**Filing Date:** 2026-4
**Character Count:** 20206
**Document Hash:** 99d79d5614098b0e257b53ae444b9c7c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001698091-26-000003.hdr.sgml**: 20260421

**ACCESSION NUMBER**: 0001698091-26-000003

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260421

**DATE AS OF CHANGE**: 20260421

**EFFECTIVENESS DATE**: 20260421

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Narus Financial Partners, LLC
- **CENTRAL INDEX KEY:** 0001698091

**ORGANIZATION NAME:**
- **EIN:** 471929138
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-17958
- **FILM NUMBER:** 26879866

**BUSINESS ADDRESS:**
- **STREET 1:** 1245 E BRICKYARD ROAD
- **STREET 2:** SUITE 160
- **CITY:** SALT LAKE CITY
- **STATE:** UT
- **ZIP:** 84106
- **BUSINESS PHONE:** 866-534-0530

**MAIL ADDRESS:**
- **STREET 1:** 1245 E BRICKYARD ROAD
- **STREET 2:** SUITE 160
- **CITY:** SALT LAKE CITY
- **STATE:** UT
- **ZIP:** 84106

### 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:** Narus Financial Partners LLC<br>**Address:** 1245 E BRICKYARD ROAD<br>SUITE 160<br>SALT LAKE CITY, UT 84106

**Form 13F File Number:** 028-17958

**CRD Number (if applicable):** 000173534

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:** Michael W. Robinson<br>**Title:** Chief Operating Officer<br>**Phone:** 928-788-2333

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

Michael W. Robinson  Salt Lake City, UT  04-21-2026<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:** 163

**Form 13F Information Table Value Total:** $381594929

      (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 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 393230 | 4880 | SH |  | SOLE |  | 0 | 0 | 4880 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 205313 | 2420 | SH |  | SOLE |  | 0 | 0 | 2420 |
| INVESCO EXCHANGE TRADED FD T | S MDCP QUALITY | 46137V472 |  | 545483 | 5277 | SH |  | SOLE |  | 0 | 0 | 5277 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 3412144 | 43517 | SH |  | SOLE |  | 0 | 0 | 43517 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 3113083 | 67573 | SH |  | SOLE |  | 0 | 0 | 67573 |
| J P MORGAN EXCHANGE TRADED F | INTL BD OPP ETF | 46641Q852 |  | 842206 | 17612 | SH |  | SOLE |  | 0 | 0 | 17612 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 214214 | 2130 | SH |  | SOLE |  | 0 | 0 | 2130 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A672 |  | 2596911 | 90611 | SH |  | SOLE |  | 0 | 0 | 90611 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 1789085 | 2751 | SH |  | SOLE |  | 0 | 0 | 2751 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 7642263 | 119261 | SH |  | SOLE |  | 0 | 0 | 119261 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 725071 | 1660 | SH |  | SOLE |  | 0 | 0 | 1660 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 5557486 | 19352 | SH |  | SOLE |  | 0 | 0 | 19352 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 2624440 | 4392 | SH |  | SOLE |  | 0 | 0 | 4392 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 2602473 | 13264 | SH |  | SOLE |  | 0 | 0 | 13264 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 3788623 | 13175 | SH |  | SOLE |  | 0 | 0 | 13175 |
| APPLE INC | COM | 037833100 |  | 5127156 | 20202 | SH |  | SOLE |  | 0 | 0 | 20202 |
| BROADCOM INC | COM | 11135F101 |  | 1091275 | 3526 | SH |  | SOLE |  | 0 | 0 | 3526 |
| COREWEAVE INC | COM CL A | 21873S108 |  | 306454 | 3956 | SH |  | SOLE |  | 0 | 0 | 3956 |
| FIRST TR EXCHANGE-TRADED FD | NASDQ CLN EDGE | 33737A108 |  | 274362 | 1677 | SH |  | SOLE |  | 0 | 0 | 1677 |
| FIRST TR EXCHANGE TRADED FD | RBA INDL ETF | 33738R704 |  | 247163 | 2231 | SH |  | SOLE |  | 0 | 0 | 2231 |
| META PLATFORMS INC | CL A | 30303M102 |  | 2327029 | 4067 | SH |  | SOLE |  | 0 | 0 | 4067 |
| MICROSOFT CORP | COM | 594918104 |  | 1779597 | 4808 | SH |  | SOLE |  | 0 | 0 | 4808 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 7450050 | 42718 | SH |  | SOLE |  | 0 | 0 | 42718 |
| ORACLE CORP | COM | 68389X105 |  | 1240327 | 8431 | SH |  | SOLE |  | 0 | 0 | 8431 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 496908 | 3397 | SH |  | SOLE |  | 0 | 0 | 3397 |
| TESLA INC | COM | 88160R101 |  | 524911 | 1412 | SH |  | SOLE |  | 0 | 0 | 1412 |
| WELLS FARGO  CO | COM | 949746101 |  | 469732 | 5900 | SH |  | SOLE |  | 0 | 0 | 5900 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 229886 | 4512 | SH |  | SOLE |  | 0 | 0 | 4512 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 1003849 | 19835 | SH |  | SOLE |  | 0 | 0 | 19835 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 13960759 | 32445 | SH |  | SOLE |  | 0 | 0 | 32445 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A664 |  | 1219663 | 46375 | SH |  | SOLE |  | 0 | 0 | 46375 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A649 |  | 841002 | 32826 | SH |  | SOLE |  | 0 | 0 | 32826 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 2242392 | 29297 | SH |  | SOLE |  | 0 | 0 | 29297 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A474 |  | 327492 | 10891 | SH |  | SOLE |  | 0 | 0 | 10891 |
| GOLDMAN SACHS ETF TR | ACCES TREASURY | 381430529 |  | 1740901 | 17376 | SH |  | SOLE |  | 0 | 0 | 17376 |
| INVESCO ACTVELY MNGD ETC FD | OPTIMUM YIELD | 46090F100 |  | 576063 | 33260 | SH |  | SOLE |  | 0 | 0 | 33260 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 2273081 | 18286 | SH |  | SOLE |  | 0 | 0 | 18286 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 4568583 | 61447 | SH |  | SOLE |  | 0 | 0 | 61447 |
| ISHARES TR | INTERNATIONAL SL | 46434V266 |  | 568980 | 13615 | SH |  | SOLE |  | 0 | 0 | 13615 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 343992 | 3117 | SH |  | SOLE |  | 0 | 0 | 3117 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R408 |  | 913269 | 36560 | SH |  | SOLE |  | 0 | 0 | 36560 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1372249 | 25389 | SH |  | SOLE |  | 0 | 0 | 25389 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 2678216 | 33786 | SH |  | SOLE |  | 0 | 0 | 33786 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 2729982 | 37072 | SH |  | SOLE |  | 0 | 0 | 37072 |
| WISDOMTREE TR | INDIA ERNGS FD | 97717W422 |  | 2015071 | 49389 | SH |  | SOLE |  | 0 | 0 | 49389 |
| INVESCO EXCH TRD SLF IDX FD | RAFI STRATGIC US | 46138J742 |  | 422312 | 7292 | SH |  | SOLE |  | 0 | 0 | 7292 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 317236 | 4033 | SH |  | SOLE |  | 0 | 0 | 4033 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 2926857 | 41148 | SH |  | SOLE |  | 0 | 0 | 41148 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 302781 | 8641 | SH |  | SOLE |  | 0 | 0 | 8641 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 4627917 | 14426 | SH |  | SOLE |  | 0 | 0 | 14426 |
| INVESCO DB MULTI-SECTOR COMM | OIL FD | 46140H403 |  | 2838072 | 144284 | SH |  | SOLE |  | 0 | 0 | 144284 |
| INVESCO EXCH TRADED FD TR II | S SMLCP INFO | 46138E115 |  | 3716215 | 61860 | SH |  | SOLE |  | 0 | 0 | 61860 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 2850389 | 26852 | SH |  | SOLE |  | 0 | 0 | 26852 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 2973293 | 30580 | SH |  | SOLE |  | 0 | 0 | 30580 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 1782771 | 34970 | SH |  | SOLE |  | 0 | 0 | 34970 |
| NEW YORK LIFE INVTS ACTIVE E | NYLI MACKAY MUN | 45409F827 |  | 965116 | 40038 | SH |  | SOLE |  | 0 | 0 | 40038 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y407 |  | 1591147 | 14600 | SH |  | SOLE |  | 0 | 0 | 14600 |
| SELECT SECTOR SPDR TR | STATE STREET FIN | 81369Y605 |  | 3248299 | 65795 | SH |  | SOLE |  | 0 | 0 | 65795 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 1855486 | 12656 | SH |  | SOLE |  | 0 | 0 | 12656 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 9142091 | 68789 | SH |  | SOLE |  | 0 | 0 | 68789 |
| VALERO ENERGY CORP | COM | 91913Y100 |  | 515656 | 2087 | SH |  | SOLE |  | 0 | 0 | 2087 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 |  | 2082314 | 41530 | SH |  | SOLE |  | 0 | 0 | 41530 |
| VANGUARD WORLD FD | COMM SRVC ETF | 92204A884 |  | 3762433 | 20921 | SH |  | SOLE |  | 0 | 0 | 20921 |
| AMAZON COM INC | COM | 023135106 |  | 2171384 | 10426 | SH |  | SOLE |  | 0 | 0 | 10426 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 326073 | 1078 | SH |  | SOLE |  | 0 | 0 | 1078 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 251975 | 567 | SH |  | SOLE |  | 0 | 0 | 567 |
| APPLIED MATLS INC | COM | 038222105 |  | 556092 | 1627 | SH |  | SOLE |  | 0 | 0 | 1627 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1793166 | 3742 | SH |  | SOLE |  | 0 | 0 | 3742 |
| CATERPILLAR INC | COM | 149123101 |  | 800560 | 1130 | SH |  | SOLE |  | 0 | 0 | 1130 |
| CHEVRON CORPORATION | COM | 166764100 |  | 761815 | 3682 | SH |  | SOLE |  | 0 | 0 | 3682 |
| COSTCO WHOLESALE CORPORATION | COM | 22160K105 |  | 546427 | 548 | SH |  | SOLE |  | 0 | 0 | 548 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 386055 | 9909 | SH |  | SOLE |  | 0 | 0 | 9909 |
| ELI LILLY  CO | COM | 532457108 |  | 451607 | 491 | SH |  | SOLE |  | 0 | 0 | 491 |
| GE AEROSPACE | COM NEW | 369604301 |  | 353606 | 1246 | SH |  | SOLE |  | 0 | 0 | 1246 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1364157 | 5628 | SH |  | SOLE |  | 0 | 0 | 5628 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 1782948 | 20224 | SH |  | SOLE |  | 0 | 0 | 20224 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 232707 | 952 | SH |  | SOLE |  | 0 | 0 | 952 |
| QUALCOMM INC | COM | 747525103 |  | 902374 | 7007 | SH |  | SOLE |  | 0 | 0 | 7007 |
| SELECT SECTOR SPDR TR | STATE STREET COM | 81369Y852 |  | 268769 | 2424 | SH |  | SOLE |  | 0 | 0 | 2424 |
| TAIWAN SEMICONDUCTOR MANUFAC | SPONSORED ADS | 874039100 |  | 517064 | 1530 | SH |  | SOLE |  | 0 | 0 | 1530 |
| WALMART INC | COM | 931142103 |  | 167529769 | 1348003 | SH |  | SOLE |  | 0 | 0 | 1348003 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A847 |  | 554655 | 9366 | SH |  | SOLE |  | 0 | 0 | 9366 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R853 |  | 355394 | 7355 | SH |  | SOLE |  | 0 | 0 | 7355 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X889 |  | 1347040 | 29508 | SH |  | SOLE |  | 0 | 0 | 29508 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 708748 | 9039 | SH |  | SOLE |  | 0 | 0 | 9039 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 3052413 | 11654 | SH |  | SOLE |  | 0 | 0 | 11654 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 442286 | 7817 | SH |  | SOLE |  | 0 | 0 | 7817 |
| SPDR INDEX SHS FDS | STATE STREET SPD | 78463X509 |  | 295064 | 6290 | SH |  | SOLE |  | 0 | 0 | 6290 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 218630 | 560 | SH |  | SOLE |  | 0 | 0 | 560 |
| GRAYSCALE BITCOIN TRUST ETF | SHS REP COM UT | 389637109 |  | 297039 | 5630 | SH |  | SOLE |  | 0 | 0 | 5630 |
| HEALTHEQUITY INC | COM | 42226A107 |  | 417683 | 4998 | SH |  | SOLE |  | 0 | 0 | 4998 |
| NETFLIX INC. | COM | 64110L106 |  | 691565 | 7193 | SH |  | SOLE |  | 0 | 0 | 7193 |
| CHUBB LTD SWITZ | COM | H1467J104 |  | 210186 | 645 | SH |  | SOLE |  | 0 | 0 | 645 |
| EMCOR GROUP INC | COM | 29084Q100 |  | 589171 | 798 | SH |  | SOLE |  | 0 | 0 | 798 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 280907 | 1839 | SH |  | SOLE |  | 0 | 0 | 1839 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1504206 | 8866 | SH |  | SOLE |  | 0 | 0 | 8866 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 420050 | 11402 | SH |  | SOLE |  | 0 | 0 | 11402 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 2037120 | 20521 | SH |  | SOLE |  | 0 | 0 | 20521 |
| ISHARES TR | MBS ETF | 464288588 |  | 751814 | 7918 | SH |  | SOLE |  | 0 | 0 | 7918 |
| ISHARES INC | MSCI JAPAN ETF | 46434G822 |  | 390535 | 4625 | SH |  | SOLE |  | 0 | 0 | 4625 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y308 |  | 943491 | 11509 | SH |  | SOLE |  | 0 | 0 | 11509 |
| SELECT SECTOR SPDR TR | STATE STREET ENE | 81369Y506 |  | 1102251 | 17993 | SH |  | SOLE |  | 0 | 0 | 17993 |
| SELECT SECTOR SPDR TR | STATE STREET UTI | 81369Y886 |  | 802909 | 17496 | SH |  | SOLE |  | 0 | 0 | 17496 |
| THE CIGNA GROUP | COM | 125523100 |  | 349176 | 1309 | SH |  | SOLE |  | 0 | 0 | 1309 |
| VANGUARD WORLD FD | CONSUM DIS ETF | 92204A108 |  | 394933 | 1100 | SH |  | SOLE |  | 0 | 0 | 1100 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 381516 | 1774 | SH |  | SOLE |  | 0 | 0 | 1774 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 366012 | 1344 | SH |  | SOLE |  | 0 | 0 | 1344 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 937038 | 1343 | SH |  | SOLE |  | 0 | 0 | 1343 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 605068 | 7312 | SH |  | SOLE |  | 0 | 0 | 7312 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 1137008 | 6170 | SH |  | SOLE |  | 0 | 0 | 6170 |
| VISA INC | COM CL A | 92826C839 |  | 669791 | 2216 | SH |  | SOLE |  | 0 | 0 | 2216 |
| AUTOZONE INC | COM | 053332102 |  | 233067 | 69 | SH |  | SOLE |  | 0 | 0 | 69 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 433663 | 103 | SH |  | SOLE |  | 0 | 0 | 103 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 397925 | 6561 | SH |  | SOLE |  | 0 | 0 | 6561 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 2230586 | 46587 | SH |  | SOLE |  | 0 | 0 | 46587 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 822415 | 16971 | SH |  | SOLE |  | 0 | 0 | 16971 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 2366217 | 22218 | SH |  | SOLE |  | 0 | 0 | 22218 |
| MCKESSON CORP | COM | 58155Q103 |  | 424026 | 490 | SH |  | SOLE |  | 0 | 0 | 490 |
| ABBVIE INC | COM | 00287Y109 |  | 502184 | 2309 | SH |  | SOLE |  | 0 | 0 | 2309 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2218914 | 3397 | SH |  | SOLE |  | 0 | 0 | 3397 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 906348 | 11392 | SH |  | SOLE |  | 0 | 0 | 11392 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 1290774 | 4388 | SH |  | SOLE |  | 0 | 0 | 4388 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 519084 | 1918 | SH |  | SOLE |  | 0 | 0 | 1918 |
| CISCO SYS INC | COM | 17275R102 |  | 338991 | 4369 | SH |  | SOLE |  | 0 | 0 | 4369 |
| ISHARES TR | AGENCY BOND ETF | 464288166 |  | 628638 | 5730 | SH |  | SOLE |  | 0 | 0 | 5730 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 513180 | 9723 | SH |  | SOLE |  | 0 | 0 | 9723 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 1501644 | 17322 | SH |  | SOLE |  | 0 | 0 | 17322 |
| TJX COS INC NEW | COM | 872540109 |  | 487884 | 3055 | SH |  | SOLE |  | 0 | 0 | 3055 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 487509 | 2244 | SH |  | SOLE |  | 0 | 0 | 2244 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 329499 | 1149 | SH |  | SOLE |  | 0 | 0 | 1149 |
| EVERCORE INC | CLASS A | 29977A105 |  | 292241 | 979 | SH |  | SOLE |  | 0 | 0 | 979 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 |  | 1202439 | 12028 | SH |  | SOLE |  | 0 | 0 | 12028 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 953127 | 3843 | SH |  | SOLE |  | 0 | 0 | 3843 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 749782 | 1099 | SH |  | SOLE |  | 0 | 0 | 1099 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 265429 | 910 | SH |  | SOLE |  | 0 | 0 | 910 |
| COMFORT SYS USA INC | COM | 199908104 |  | 210985 | 153 | SH |  | SOLE |  | 0 | 0 | 153 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 462181 | 9264 | SH |  | SOLE |  | 0 | 0 | 9264 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 689268 | 7222 | SH |  | SOLE |  | 0 | 0 | 7222 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 1346867 | 40002 | SH |  | SOLE |  | 0 | 0 | 40002 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 2369001 | 4104 | SH |  | SOLE |  | 0 | 0 | 4104 |
| AT INC | COM | 00206R102 |  | 303090 | 10455 | SH |  | SOLE |  | 0 | 0 | 10455 |
| GENERAL MILLS INC | COM | 370334104 |  | 225181 | 6050 | SH |  | SOLE |  | 0 | 0 | 6050 |
| VODAFONE GROUP PLC | SPONSORED ADR | 92857W308 |  | 150200 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 232684 | 678 | SH |  | SOLE |  | 0 | 0 | 678 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 1253582 | 12260 | SH |  | SOLE |  | 0 | 0 | 12260 |
| ISHARES TR | US TELECOM ETF | 464287713 |  | 313656 | 7977 | SH |  | SOLE |  | 0 | 0 | 7977 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1608570 | 16561 | SH |  | SOLE |  | 0 | 0 | 16561 |
| AMGEN INC | COM | 031162100 |  | 234332 | 666 | SH |  | SOLE |  | 0 | 0 | 666 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A300 |  | 307385 | 3250 | SH |  | SOLE |  | 0 | 0 | 3250 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 224138 | 750 | SH |  | SOLE |  | 0 | 0 | 750 |
| ROSS STORES INC | COM | 778296103 |  | 207965 | 960 | SH |  | SOLE |  | 0 | 0 | 960 |
| FIRST TR EXCHANGE-TRADED FD | CAP STRENGTH ETF | 33733E104 |  | 231900 | 2500 | SH |  | SOLE |  | 0 | 0 | 2500 |
| STATE STR SPDR DOW JONES IND | UT SER 1 | 78467X109 |  | 324233 | 700 | SH |  | SOLE |  | 0 | 0 | 700 |
| INVESCO DB US DLR INDEX TR | BULLISH FD | 46141D203 |  | 248325 | 8939 | SH |  | SOLE |  | 0 | 0 | 8939 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 529119 | 4751 | SH |  | SOLE |  | 0 | 0 | 4751 |
| KLA CORP | COM NEW | 482480100 |  | 968846 | 658 | SH |  | SOLE |  | 0 | 0 | 658 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A672 |  | 10031 | 350 | SH |  | SOLE |  | 0 | 0 | 350 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 |  | 548041 | 9871 | SH |  | SOLE |  | 0 | 0 | 9871 |
| ISHARES TR | DOW JONES US ETF | 464287846 |  | 808095 | 5100 | SH |  | SOLE |  | 0 | 0 | 5100 |
| INVESCO DB COMMDY INDX TRCK | UNIT | 46138B103 |  | 217125 | 7500 | SH |  | SOLE |  | 0 | 0 | 7500 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 |  | 321068 | 2200 | SH |  | SOLE |  | 0 | 0 | 2200 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 718140 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| SHELL PLC | SPON ADS | 780259305 |  | 272304 | 2928 | SH |  | SOLE |  | 0 | 0 | 2928 |

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