# EDGAR Filing Document

**Accession Number:** 0001382646
**File Stem:** 0001382646-25-000010
**Filing Date:** 2025-10
**Character Count:** 23574
**Document Hash:** e905fde4eaa4ad0bc1329f4abcaef5fa
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001382646-25-000010.hdr.sgml**: 20251022

**ACCESSION NUMBER**: 0001382646-25-000010

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251022

**DATE AS OF CHANGE**: 20251022

**EFFECTIVENESS DATE**: 20251022

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Ifrah Financial Services, Inc.
- **CENTRAL INDEX KEY:** 0001382646

**ORGANIZATION NAME:**
- **EIN:** 710823354
- **STATE OF INCORPORATION:** AR
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-12063
- **FILM NUMBER:** 251409019

**BUSINESS ADDRESS:**
- **STREET 1:** 17300 CHENAL PARKWAY
- **STREET 2:** SUITE 150
- **CITY:** LITTLE ROCK
- **STATE:** AR
- **ZIP:** 72223
- **BUSINESS PHONE:** 501-821-7733

**MAIL ADDRESS:**
- **STREET 1:** 17300 CHENAL PARKWAY
- **STREET 2:** SUITE 150
- **CITY:** LITTLE ROCK
- **STATE:** AR
- **ZIP:** 72223

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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:** Ifrah Financial Services Inc.<br>**Address:** 17300 Chenal Parkway<br>Suite 150<br>Little Rock, AR 72223

**Form 13F File Number:** 028-12063

**CRD Number (if applicable):** 000136925

**SEC File Number (if applicable):** 801-64962

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:** Patrick Ifrah<br>**Title:** President  CEO<br>**Phone:** 501-821-7733

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

Patrick Ifrah  Little Rock, AR  07-29-2025<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:** $385779176

      (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 | COM | 00287Y109 |  | 1795852 | 7756 | SH |  | SOLE |  | 7756 | 0 | 0 |
| ABRDN ETFS | BBRG ALL COMMDY | 003261203 |  | 2041572 | 59417 | SH |  | SOLE |  | 59417 | 0 | 0 |
| ADOBE INC | COM | 00724F101 |  | 364867 | 1034 | SH |  | SOLE |  | 1034 | 0 | 0 |
| ADVANCED ENERGY INDS | COM | 007973100 |  | 382134 | 2246 | SH |  | SOLE |  | 2246 | 0 | 0 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 200912 | 1242 | SH |  | SOLE |  | 1242 | 0 | 0 |
| ALLSTATE CORP | COM | 020002101 |  | 237318 | 1106 | SH |  | SOLE |  | 1106 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 749646 | 3078 | SH |  | SOLE |  | 3078 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 593917 | 2443 | SH |  | SOLE |  | 2443 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 733886 | 3342 | SH |  | SOLE |  | 3342 | 0 | 0 |
| AMDOCS LTD | SHS | G02602103 |  | 399555 | 4870 | SH |  | SOLE |  | 4870 | 0 | 0 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 861008 | 11463 | SH |  | SOLE |  | 11463 | 0 | 0 |
| AMERICAN CENTY ETF TR | INTL EQT ETF | 025072703 |  | 906244 | 11486 | SH |  | SOLE |  | 11486 | 0 | 0 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 |  | 740548 | 8318 | SH |  | SOLE |  | 8318 | 0 | 0 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 270147 | 2401 | SH |  | SOLE |  | 2401 | 0 | 0 |
| AMERICAN FINL GROUP INC OHIO | COM | 025932104 |  | 835842 | 5736 | SH |  | SOLE |  | 5736 | 0 | 0 |
| AMETEK INC | COM | 031100100 |  | 647200 | 3443 | SH |  | SOLE |  | 3443 | 0 | 0 |
| AMGEN INC | COM | 031162100 |  | 384482 | 1362 | SH |  | SOLE |  | 1362 | 0 | 0 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 428219 | 3460 | SH |  | SOLE |  | 3460 | 0 | 0 |
| ANALOG DEVICES INC | COM | 032654105 |  | 231204 | 941 | SH |  | SOLE |  | 941 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 19369063 | 76067 | SH |  | SOLE |  | 76067 | 0 | 0 |
| APPLIED INDL TECHNOLOGIES IN | COM | 03820C105 |  | 1229056 | 4708 | SH |  | SOLE |  | 4708 | 0 | 0 |
| ASSURANT INC | COM | 04621X108 |  | 376451 | 1738 | SH |  | SOLE |  | 1738 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 556445 | 19704 | SH |  | SOLE |  | 19704 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 326587 | 1113 | SH |  | SOLE |  | 1113 | 0 | 0 |
| BLOCK H  R INC | COM | 093671105 |  | 830973 | 16432 | SH |  | SOLE |  | 16432 | 0 | 0 |
| BOOZ ALLEN HAMILTON HLDG COR | CL A | 099502106 |  | 516526 | 5168 | SH |  | SOLE |  | 5168 | 0 | 0 |
| BRADY CORP | CL A | 104674106 |  | 262883 | 3369 | SH |  | SOLE |  | 3369 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 285357 | 6327 | SH |  | SOLE |  | 6327 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 594230 | 1801 | SH |  | SOLE |  | 1801 | 0 | 0 |
| BROADRIDGE FINL SOLUTIONS IN | COM | 11133T103 |  | 420846 | 1767 | SH |  | SOLE |  | 1767 | 0 | 0 |
| BUILDERS FIRSTSOURCE INC | COM | 12008R107 |  | 420738 | 3470 | SH |  | SOLE |  | 3470 | 0 | 0 |
| CADENCE DESIGN SYSTEM INC | COM | 127387108 |  | 1509205 | 4297 | SH |  | SOLE |  | 4297 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 290085 | 608 | SH |  | SOLE |  | 608 | 0 | 0 |
| CBIZ INC | COM | 124805102 |  | 272903 | 5153 | SH |  | SOLE |  | 5153 | 0 | 0 |
| CBRE GROUP INC | CL A | 12504L109 |  | 732099 | 4646 | SH |  | SOLE |  | 4646 | 0 | 0 |
| CF INDS HLDGS INC | COM | 125269100 |  | 281479 | 3138 | SH |  | SOLE |  | 3138 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 497437 | 7270 | SH |  | SOLE |  | 7270 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 559853 | 8442 | SH |  | SOLE |  | 8442 | 0 | 0 |
| COMFORT SYS USA INC | COM | 199908104 |  | 1090736 | 1322 | SH |  | SOLE |  | 1322 | 0 | 0 |
| CORNING INC | COM | 219350105 |  | 276883 | 3375 | SH |  | SOLE |  | 3375 | 0 | 0 |
| CURTISS WRIGHT CORP | COM | 231561101 |  | 251881 | 464 | SH |  | SOLE |  | 464 | 0 | 0 |
| DARDEN RESTAURANTS INC | COM | 237194105 |  | 216871 | 1139 | SH |  | SOLE |  | 1139 | 0 | 0 |
| DBX ETF TR | XTRACK MSCI EURP | 233051853 |  | 313514 | 6808 | SH |  | SOLE |  | 6808 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 |  | 409396 | 13469 | SH |  | SOLE |  | 13469 | 0 | 0 |
| DIREXION SHS ETF TR | AUSPCE CMD STG | 25460E307 |  | 3438461 | 119674 | SH |  | SOLE |  | 119674 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 232435 | 2030 | SH |  | SOLE |  | 2030 | 0 | 0 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 247882 | 4052 | SH |  | SOLE |  | 4052 | 0 | 0 |
| EATON CORP PLC | SHS | G29183103 |  | 1380551 | 3689 | SH |  | SOLE |  | 3689 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 2219202 | 2909 | SH |  | SOLE |  | 2909 | 0 | 0 |
| ENCOMPASS HEALTH CORP | COM | 29261A100 |  | 494469 | 3893 | SH |  | SOLE |  | 3893 | 0 | 0 |
| EVERGY INC | COM | 30034W106 |  | 236574 | 3112 | SH |  | SOLE |  | 3112 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 477947 | 4239 | SH |  | SOLE |  | 4239 | 0 | 0 |
| FAIR ISAAC CORP | COM | 303250104 |  | 377126 | 252 | SH |  | SOLE |  | 252 | 0 | 0 |
| FEDERAL SIGNAL CORP | COM | 313855108 |  | 310326 | 2608 | SH |  | SOLE |  | 2608 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | FIRST TR ENH NEW | 33739Q408 |  | 7761470 | 129552 | SH |  | SOLE |  | 129552 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | FST LOW OPPT EFT | 33739Q200 |  | 1868293 | 37523 | SH |  | SOLE |  | 37523 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | SENIOR LN FD | 33738D309 |  | 2286786 | 49886 | SH |  | SOLE |  | 49886 | 0 | 0 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST INT JUNE | 33740U869 |  | 337706 | 13471 | SH |  | SOLE |  | 13471 | 0 | 0 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST INTER EQ | 33740F573 |  | 877538 | 33421 | SH |  | SOLE |  | 33421 | 0 | 0 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST US EQT | 33740U737 |  | 450354 | 11101 | SH |  | SOLE |  | 11101 | 0 | 0 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST US EQT | 33740F862 |  | 228996 | 4411 | SH |  | SOLE |  | 4411 | 0 | 0 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST US EQT | 33740F763 |  | 233582 | 4236 | SH |  | SOLE |  | 4236 | 0 | 0 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST US EQT | 33740F847 |  | 461691 | 8729 | SH |  | SOLE |  | 8729 | 0 | 0 |
| FISERV INC | COM | 337738108 |  | 1035070 | 8028 | SH |  | SOLE |  | 8028 | 0 | 0 |
| FLEX LTD | ORD | Y2573F102 |  | 290430 | 5010 | SH |  | SOLE |  | 5010 | 0 | 0 |
| FTI CONSULTING INC | COM | 302941109 |  | 480218 | 2971 | SH |  | SOLE |  | 2971 | 0 | 0 |
| GALLAGHER ARTHUR J  CO | COM | 363576109 |  | 452220 | 1460 | SH |  | SOLE |  | 1460 | 0 | 0 |
| GEN DIGITAL INC | COM | 668771108 |  | 526130 | 18532 | SH |  | SOLE |  | 18532 | 0 | 0 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 1184527 | 3474 | SH |  | SOLE |  | 3474 | 0 | 0 |
| GRAND CANYON ED INC | COM | 38526M106 |  | 418514 | 1906 | SH |  | SOLE |  | 1906 | 0 | 0 |
| HCA HEALTHCARE INC | COM | 40412C101 |  | 227710 | 534 | SH |  | SOLE |  | 534 | 0 | 0 |
| HOME BANCSHARES INC | COM | 436893200 |  | 238892 | 8441 | SH |  | SOLE |  | 8441 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 418542 | 1033 | SH |  | SOLE |  | 1033 | 0 | 0 |
| HONEYWELL INTL INC | COM | 438516106 |  | 496663 | 2359 | SH |  | SOLE |  | 2359 | 0 | 0 |
| HOWMET AEROSPACE INC | COM | 443201108 |  | 463220 | 2361 | SH |  | SOLE |  | 2361 | 0 | 0 |
| HUBBELL INC | COM | 443510607 |  | 347690 | 808 | SH |  | SOLE |  | 808 | 0 | 0 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 603403 | 2314 | SH |  | SOLE |  | 2314 | 0 | 0 |
| INNOVATOR ETFS TRUST | EMRGNG MKT JULY | 45782C714 |  | 603037 | 20838 | SH |  | SOLE |  | 20838 | 0 | 0 |
| INNOVATOR ETFS TRUST | QUITY MANAGD FLR | 45783Y673 |  | 702869 | 19508 | SH |  | SOLE |  | 19508 | 0 | 0 |
| INNOVATOR ETFS TRUST | INTRNL DEV JULY | 45782C722 |  | 839340 | 25679 | SH |  | SOLE |  | 25679 | 0 | 0 |
| INNOVATOR ETFS TRUST | NASDAQ 100 MANA | 45783Y681 |  | 511053 | 15416 | SH |  | SOLE |  | 15416 | 0 | 0 |
| INTEL CORP | COM | 458140100 |  | 237100 | 7067 | SH |  | SOLE |  | 7067 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | GLOBAL WATER | 46138E651 |  | 533383 | 11881 | SH |  | SOLE |  | 11881 | 0 | 0 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 1762835 | 24225 | SH |  | SOLE |  | 24225 | 0 | 0 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 |  | 3687587 | 57772 | SH |  | SOLE |  | 57772 | 0 | 0 |
| ISHARES INC | MSCI CDA ETF | 464286509 |  | 302208 | 5978 | SH |  | SOLE |  | 5978 | 0 | 0 |
| ISHARES INC | MSCI TAIWAN ETF | 46434G772 |  | 308034 | 4842 | SH |  | SOLE |  | 4842 | 0 | 0 |
| ISHARES TR | 0-5YR INVT GR CP | 46434V100 |  | 8252113 | 162347 | SH |  | SOLE |  | 162347 | 0 | 0 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 12470488 | 150319 | SH |  | SOLE |  | 150319 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 2188964 | 41278 | SH |  | SOLE |  | 41278 | 0 | 0 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 11053245 | 216370 | SH |  | SOLE |  | 216370 | 0 | 0 |
| ISHARES TR | SHORT TREAS BD | 464288679 |  | 1078603 | 9762 | SH |  | SOLE |  | 9762 | 0 | 0 |
| ISHARES TR | TRS FLT RT BD | 46434V860 |  | 25840158 | 510776 | SH |  | SOLE |  | 510776 | 0 | 0 |
| ISHARES TR | HDG MSCI EAFE | 46434V803 |  | 5943031 | 150039 | SH |  | SOLE |  | 150039 | 0 | 0 |
| ISHARES TR | MBS ETF | 464288588 |  | 295060 | 3101 | SH |  | SOLE |  | 3101 | 0 | 0 |
| ISHARES TR | SELECT US REIT | 464287564 |  | 5425764 | 88052 | SH |  | SOLE |  | 88052 | 0 | 0 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 2005091 | 39509 | SH |  | SOLE |  | 39509 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1050974 | 1570 | SH |  | SOLE |  | 1570 | 0 | 0 |
| ISHARES TR | GLOBAL 100 ETF | 464287572 |  | 754828 | 6290 | SH |  | SOLE |  | 6290 | 0 | 0 |
| ISHARES TR | GLOBAL ENERG ETF | 464287341 |  | 558140 | 13369 | SH |  | SOLE |  | 13369 | 0 | 0 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 901476 | 6521 | SH |  | SOLE |  | 6521 | 0 | 0 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 440416 | 2105 | SH |  | SOLE |  | 2105 | 0 | 0 |
| ISHARES TR | U.S. BAS MTL ETF | 464287838 |  | 210534 | 1421 | SH |  | SOLE |  | 1421 | 0 | 0 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 2804523 | 24627 | SH |  | SOLE |  | 24627 | 0 | 0 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 9156762 | 119353 | SH |  | SOLE |  | 119353 | 0 | 0 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 2998357 | 44204 | SH |  | SOLE |  | 44204 | 0 | 0 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 21399914 | 177269 | SH |  | SOLE |  | 177269 | 0 | 0 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 13711695 | 142994 | SH |  | SOLE |  | 142994 | 0 | 0 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 5111134 | 39401 | SH |  | SOLE |  | 39401 | 0 | 0 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 7507141 | 53054 | SH |  | SOLE |  | 53054 | 0 | 0 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 7383173 | 66762 | SH |  | SOLE |  | 66762 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 257320 | 3943 | SH |  | SOLE |  | 3943 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 293861 | 2473 | SH |  | SOLE |  | 2473 | 0 | 0 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 |  | 10012744 | 195256 | SH |  | SOLE |  | 195256 | 0 | 0 |
| JABIL INC | COM | 466313103 |  | 1000662 | 4608 | SH |  | SOLE |  | 4608 | 0 | 0 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 10013738 | 197198 | SH |  | SOLE |  | 197198 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 658701 | 3552 | SH |  | SOLE |  | 3552 | 0 | 0 |
| KENVUE INC | COM | 49177J102 |  | 251460 | 15493 | SH |  | SOLE |  | 15493 | 0 | 0 |
| KEYSIGHT TECHNOLOGIES INC | COM | 49338L103 |  | 487502 | 2787 | SH |  | SOLE |  | 2787 | 0 | 0 |
| KLA CORP | COM NEW | 482480100 |  | 2141530 | 1985 | SH |  | SOLE |  | 1985 | 0 | 0 |
| KORN FERRY | COM NEW | 500643200 |  | 259276 | 3705 | SH |  | SOLE |  | 3705 | 0 | 0 |
| KULICKE  SOFFA INDS INC | COM | 501242101 |  | 549945 | 13532 | SH |  | SOLE |  | 13532 | 0 | 0 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 923516 | 6897 | SH |  | SOLE |  | 6897 | 0 | 0 |
| LATTICE SEMICONDUCTOR CORP | COM | 518415104 |  | 272310 | 3714 | SH |  | SOLE |  | 3714 | 0 | 0 |
| LEIDOS HOLDINGS INC | COM | 525327102 |  | 290696 | 1538 | SH |  | SOLE |  | 1538 | 0 | 0 |
| LINCOLN ELEC HLDGS INC | COM | 533900106 |  | 441153 | 1871 | SH |  | SOLE |  | 1871 | 0 | 0 |
| LINDE PLC | SHS | G54950103 |  | 1058201 | 2228 | SH |  | SOLE |  | 2228 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 496902 | 5920 | SH |  | SOLE |  | 5920 | 0 | 0 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 651730 | 3895 | SH |  | SOLE |  | 3895 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 4291447 | 8285 | SH |  | SOLE |  | 8285 | 0 | 0 |
| NORTHWESTERN ENERGY GROUP IN | COM NEW | 668074305 |  | 246455 | 4205 | SH |  | SOLE |  | 4205 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2704821 | 14497 | SH |  | SOLE |  | 14497 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 2279635 | 8106 | SH |  | SOLE |  | 8106 | 0 | 0 |
| OTTER TAIL CORP | COM | 689648103 |  | 298207 | 3638 | SH |  | SOLE |  | 3638 | 0 | 0 |
| PACKAGING CORP AMER | COM | 695156109 |  | 327511 | 1503 | SH |  | SOLE |  | 1503 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 319127 | 1749 | SH |  | SOLE |  | 1749 | 0 | 0 |
| PAYCHEX INC | COM | 704326107 |  | 439861 | 3470 | SH |  | SOLE |  | 3470 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 480098 | 18842 | SH |  | SOLE |  | 18842 | 0 | 0 |
| PGIM ETF TR | PGIM ULTRA SH BD | 69344A107 |  | 6521063 | 130866 | SH |  | SOLE |  | 130866 | 0 | 0 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 324400 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| PRIMERICA INC | COM | 74164M108 |  | 293710 | 1058 | SH |  | SOLE |  | 1058 | 0 | 0 |
| PRIMORIS SVCS CORP | COM | 74164F103 |  | 2446971 | 17818 | SH |  | SOLE |  | 17818 | 0 | 0 |
| PROGRESS SOFTWARE CORP | COM | 743312100 |  | 304215 | 6925 | SH |  | SOLE |  | 6925 | 0 | 0 |
| QUALYS INC | COM | 74758T303 |  | 291391 | 2202 | SH |  | SOLE |  | 2202 | 0 | 0 |
| REGAL REXNORD CORPORATION | COM | 758750103 |  | 254176 | 1772 | SH |  | SOLE |  | 1772 | 0 | 0 |
| REPUBLIC SVCS INC | COM | 760759100 |  | 345594 | 1506 | SH |  | SOLE |  | 1506 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 |  | 799165 | 4776 | SH |  | SOLE |  | 4776 | 0 | 0 |
| S GLOBAL INC | COM | 78409V104 |  | 292223 | 600 | SH |  | SOLE |  | 600 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 6066518 | 141213 | SH |  | SOLE |  | 141213 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 2988918 | 89569 | SH |  | SOLE |  | 89569 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 581580 | 24982 | SH |  | SOLE |  | 24982 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 |  | 492897 | 10831 | SH |  | SOLE |  | 10831 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 1579373 | 59961 | SH |  | SOLE |  | 59961 | 0 | 0 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 1328016 | 44805 | SH |  | SOLE |  | 44805 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 1087207 | 38968 | SH |  | SOLE |  | 38968 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 6308341 | 216707 | SH |  | SOLE |  | 216707 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 275791 | 10727 | SH |  | SOLE |  | 10727 | 0 | 0 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 899646 | 7600 | SH |  | SOLE |  | 7600 | 0 | 0 |
| SELECT SECTOR SPDR TR | INDL | 81369Y704 |  | 515161 | 3340 | SH |  | SOLE |  | 3340 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 1852207 | 6571 | SH |  | SOLE |  | 6571 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 283771 | 3254 | SH |  | SOLE |  | 3254 | 0 | 0 |
| SELECTIVE INS GROUP INC | COM | 816300107 |  | 211836 | 2613 | SH |  | SOLE |  | 2613 | 0 | 0 |
| SKYWEST INC | COM | 830879102 |  | 221666 | 2203 | SH |  | SOLE |  | 2203 | 0 | 0 |
| STRYKER CORPORATION | COM | 863667101 |  | 1358524 | 3675 | SH |  | SOLE |  | 3675 | 0 | 0 |
| SYNOPSYS INC | COM | 871607107 |  | 1624210 | 3292 | SH |  | SOLE |  | 3292 | 0 | 0 |
| TD SYNNEX CORPORATION | COM | 87162W100 |  | 231870 | 1416 | SH |  | SOLE |  | 1416 | 0 | 0 |
| TELEDYNE TECHNOLOGIES INC | COM | 879360105 |  | 394550 | 673 | SH |  | SOLE |  | 673 | 0 | 0 |
| TERADYNE INC | COM | 880770102 |  | 783194 | 5690 | SH |  | SOLE |  | 5690 | 0 | 0 |
| TEXAS INSTRS INC | COM | 882508104 |  | 741404 | 4035 | SH |  | SOLE |  | 4035 | 0 | 0 |
| TIMKEN CO | COM | 887389104 |  | 536608 | 7138 | SH |  | SOLE |  | 7138 | 0 | 0 |
| TJX COS INC NEW | COM | 872540109 |  | 353651 | 2447 | SH |  | SOLE |  | 2447 | 0 | 0 |
| TRACTOR SUPPLY CO | COM | 892356106 |  | 606348 | 10662 | SH |  | SOLE |  | 10662 | 0 | 0 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 285891 | 678 | SH |  | SOLE |  | 678 | 0 | 0 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 240558 | 2880 | SH |  | SOLE |  | 2880 | 0 | 0 |
| UNITED RENTALS INC | COM | 911363109 |  | 203146 | 213 | SH |  | SOLE |  | 213 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 710464 | 2058 | SH |  | SOLE |  | 2058 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 VAL | 921932844 |  | 432031 | 4287 | SH |  | SOLE |  | 4287 | 0 | 0 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 6007727 | 19514 | SH |  | SOLE |  | 19514 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 4540272 | 15454 | SH |  | SOLE |  | 15454 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 3760993 | 21543 | SH |  | SOLE |  | 21543 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 1855026 | 20291 | SH |  | SOLE |  | 20291 | 0 | 0 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 7522268 | 25275 | SH |  | SOLE |  | 25275 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 8472748 | 40596 | SH |  | SOLE |  | 40596 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 897312 | 2734 | SH |  | SOLE |  | 2734 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 12197056 | 170899 | SH |  | SOLE |  | 170899 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1107644 | 20444 | SH |  | SOLE |  | 20444 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 571428 | 7161 | SH |  | SOLE |  | 7161 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 |  | 284219 | 5953 | SH |  | SOLE |  | 5953 | 0 | 0 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 2222154 | 43890 | SH |  | SOLE |  | 43890 | 0 | 0 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 885040 | 10452 | SH |  | SOLE |  | 10452 | 0 | 0 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 5234322 | 13007 | SH |  | SOLE |  | 13007 | 0 | 0 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 3091659 | 22446 | SH |  | SOLE |  | 22446 | 0 | 0 |
| VANGUARD WORLD FD | CONSUM DIS ETF | 92204A108 |  | 475444 | 1200 | SH |  | SOLE |  | 1200 | 0 | 0 |
| VANGUARD WORLD FD | FINANCIALS ETF | 92204A405 |  | 730265 | 5564 | SH |  | SOLE |  | 5564 | 0 | 0 |
| VANGUARD WORLD FD | INDUSTRIAL ETF | 92204A603 |  | 232467 | 785 | SH |  | SOLE |  | 785 | 0 | 0 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 326277 | 437 | SH |  | SOLE |  | 437 | 0 | 0 |
| VERTEX PHARMACEUTICALS INC | COM | 92532F100 |  | 1361508 | 3476 | SH |  | SOLE |  | 3476 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 2503332 | 24290 | SH |  | SOLE |  | 24290 | 0 | 0 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 434889 | 1969 | SH |  | SOLE |  | 1969 | 0 | 0 |
| WESTERN UN CO | COM | 959802109 |  | 101633 | 12720 | SH |  | SOLE |  | 12720 | 0 | 0 |
| WISDOMTREE TR | ITL HDG QTLY DIV | 97717X594 |  | 308965 | 6705 | SH |  | SOLE |  | 6705 | 0 | 0 |
| ZOETIS INC | CL A | 98978V103 |  | 308136 | 2106 | SH |  | SOLE |  | 2106 | 0 | 0 |

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