# EDGAR Filing Document

**Accession Number:** 0001698091
**File Stem:** 0001698091-26-000001
**Filing Date:** 2026-2
**Character Count:** 21208
**Document Hash:** a18568e04ecde0040ff81117018389d0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001698091-26-000001.hdr.sgml**: 20260209

**ACCESSION NUMBER**: 0001698091-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20260209

**DATE AS OF CHANGE**: 20260209

**EFFECTIVENESS DATE**: 20260209

**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/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-17958
- **FILM NUMBER:** 26609983

**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:** 09-30-2025

**Check here if Amendment** [x] **Amendment Number:** 1

**This Amendment (Check only one.):** [x] 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

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:** Member COO<br>**Phone:** 928-788-2333

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

Michael W. Robinson  Salt Lake City, UT  02-09-2026<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:** 171

**Form 13F Information Table Value Total:** $365505543

      (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 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 3215334 | 13226 | SH |  | SOLE |  | 9982 | 0 | 3245 |
| AMERIPRISE FINL INC | COM | 03076C106 |  | 347805 | 708 | SH |  | SOLE |  | 214 | 0 | 494 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1014475 | 2018 | SH |  | SOLE |  | 1232 | 0 | 786 |
| INVESCO DB MULTI-SECTOR COMM | OIL FD | 46140H403 |  | 2911550 | 216472 | SH |  | SOLE |  | 152620 | 0 | 63852 |
| INVESCO EXCH TRADED FD TR II | S SMLCP INFO | 46138E115 |  | 3313881 | 62429 | SH |  | SOLE |  | 49702 | 0 | 12727 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 1542212 | 17256 | SH |  | SOLE |  | 9118 | 0 | 8138 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1773470 | 18994 | SH |  | SOLE |  | 11999 | 0 | 6995 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 3262536 | 42525 | SH |  | SOLE |  | 29149 | 0 | 13376 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 4138660 | 61015 | SH |  | SOLE |  | 43534 | 0 | 17481 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 2178132 | 42675 | SH |  | SOLE |  | 28560 | 0 | 14115 |
| KLA CORP | COM NEW | 482480100 |  | 709719 | 658 | SH |  | SOLE |  | 43 | 0 | 615 |
| LOWES COS INC | COM | 548661107 |  | 207367 | 825 | SH |  | SOLE |  | 97 | 0 | 728 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 669643 | 1099 | SH |  | SOLE |  | 749 | 0 | 350 |
| QUALCOMM INC | COM | 747525103 |  | 976944 | 5872 | SH |  | SOLE |  | 3281 | 0 | 2591 |
| SELECTIVE INS GROUP INC | COM | 816300107 |  | 251774 | 3106 | SH |  | SOLE |  | 1642 | 0 | 1464 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 11531802 | 32441 | SH |  | SOLE |  | 22203 | 0 | 10238 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 1756838 | 7331 | SH |  | SOLE |  | 5277 | 0 | 2054 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 938199 | 10501 | SH |  | SOLE |  | 7473 | 0 | 3028 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 3636160 | 67499 | SH |  | SOLE |  | 54957 | 0 | 12542 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 9335513 | 33121 | SH |  | SOLE |  | 25162 | 0 | 7959 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 472838 | 1693 | SH |  | SOLE |  | 533 | 0 | 1160 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 |  | 1480936 | 29095 | SH |  | SOLE |  | 10470 | 0 | 18625 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 5732670 | 19516 | SH |  | SOLE |  | 14836 | 0 | 4680 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 3350077 | 13175 | SH |  | SOLE |  | 9499 | 0 | 3676 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 4678116 | 14255 | SH |  | SOLE |  | 6497 | 0 | 7758 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 3056630 | 16390 | SH |  | SOLE |  | 10924 | 0 | 5466 |
| WISDOMTREE TR | INDIA ERNGS FD | 97717W422 |  | 2273250 | 51431 | SH |  | SOLE |  | 38826 | 0 | 12605 |
| ABBVIE INC | COM | 00287Y109 |  | 485076 | 2095 | SH |  | SOLE |  | 1338 | 0 | 757 |
| AMAZON COM INC | COM | 023135106 |  | 2015433 | 9179 | SH |  | SOLE |  | 7719 | 0 | 1460 |
| APPLE INC | COM | 037833100 |  | 5059630 | 19871 | SH |  | SOLE |  | 17500 | 0 | 2371 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 714457 | 1423 | SH |  | SOLE |  | 1098 | 0 | 325 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 550726 | 102 | SH |  | SOLE |  | 73 | 0 | 29 |
| CATERPILLAR INC | COM | 149123101 |  | 391740 | 821 | SH |  | SOLE |  | 606 | 0 | 215 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 371897 | 10231 | SH |  | SOLE |  | 9005 | 0 | 1226 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1082175 | 9598 | SH |  | SOLE |  | 8841 | 0 | 757 |
| GOLDMAN SACHS ETF TR | ACCES TREASURY | 381430529 |  | 1172511 | 11698 | SH |  | SOLE |  | 10664 | 0 | 1034 |
| INVESCO ACTVELY MNGD ETC FD | OPTIMUM YIELD | 46090F100 |  | 396400 | 29516 | SH |  | SOLE |  | 23781 | 0 | 5735 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 2366469 | 19915 | SH |  | SOLE |  | 16709 | 0 | 3206 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 1452999 | 19967 | SH |  | SOLE |  | 18244 | 0 | 1723 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 333702 | 4943 | SH |  | SOLE |  | 3980 | 0 | 963 |
| ISHARES TR | INTERNATIONAL SL | 46434V266 |  | 509417 | 12387 | SH |  | SOLE |  | 10962 | 0 | 1425 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 263035 | 2365 | SH |  | SOLE |  | 1976 | 0 | 389 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 2575986 | 55505 | SH |  | SOLE |  | 48260 | 0 | 7245 |
| J P MORGAN EXCHANGE TRADED F | INTL BD OPP ETF | 46641Q852 |  | 748884 | 15274 | SH |  | SOLE |  | 13210 | 0 | 2064 |
| META PLATFORMS INC | CL A | 30303M102 |  | 2692471 | 3666 | SH |  | SOLE |  | 3210 | 0 | 456 |
| MICROSOFT CORP | COM | 594918104 |  | 2111695 | 4077 | SH |  | SOLE |  | 3531 | 0 | 546 |
| NETFLIX INC | COM | 64110L106 |  | 393246 | 328 | SH |  | SOLE |  | 245 | 0 | 83 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 7772017 | 41655 | SH |  | SOLE |  | 38606 | 0 | 3049 |
| SPDR SERIES TRUST | BLOOMBERG SHT TE | 78468R408 |  | 854374 | 33374 | SH |  | SOLE |  | 28802 | 0 | 4572 |
| SPDR SERIES TRUST | PORTFLI INTRMDIT | 78464A672 |  | 1567305 | 54232 | SH |  | SOLE |  | 43133 | 0 | 11099 |
| THE CIGNA GROUP | COM | 125523100 |  | 380781 | 1321 | SH |  | SOLE |  | 969 | 0 | 352 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 7003143 | 116875 | SH |  | SOLE |  | 100765 | 0 | 16110 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1391207 | 25677 | SH |  | SOLE |  | 20415 | 0 | 5263 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 776489 | 1619 | SH |  | SOLE |  | 1139 | 0 | 480 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 2704270 | 4416 | SH |  | SOLE |  | 3875 | 0 | 541 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 806855 | 10225 | SH |  | SOLE |  | 8990 | 0 | 1235 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 2156032 | 26974 | SH |  | SOLE |  | 24151 | 0 | 2823 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 2364074 | 31788 | SH |  | SOLE |  | 29139 | 0 | 2649 |
| VISA INC | COM CL A | 92826C839 |  | 647080 | 1895 | SH |  | SOLE |  | 1439 | 0 | 457 |
| WALMART INC | COM | 931142103 |  | 153966461 | 1493950 | SH |  | SOLE |  | 1040798 | 0 | 453152 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 2913041 | 42551 | SH |  | SOLE |  | 34285 | 0 | 8266 |
| FIRST TR EXCHANGE TRADED FD | RBA INDL ETF | 33738R704 |  | 308507 | 3191 | SH |  | SOLE |  | 2561 | 0 | 630 |
| INVESCO EXCH TRD SLF IDX FD | RAFI STRATGIC US | 46138J742 |  | 444206 | 8046 | SH |  | SOLE |  | 5880 | 0 | 2166 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 280717 | 2189 | SH |  | SOLE |  | 2189 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2061982 | 3095 | SH |  | SOLE |  | 2794 | 0 | 301 |
| VALERO ENERGY CORP | COM | 91913Y100 |  | 329623 | 1936 | SH |  | SOLE |  | 1536 | 0 | 400 |
| FIRST TR EXCHANGE TRADED FD | NASDQ CLN EDGE | 33737A108 |  | 368954 | 2442 | SH |  | SOLE |  | 1786 | 0 | 656 |
| ORACLE CORP | COM | 68389X105 |  | 2104442 | 7483 | SH |  | SOLE |  | 7287 | 0 | 196 |
| TESLA INC | COM | 88160R101 |  | 699989 | 1574 | SH |  | SOLE |  | 1356 | 0 | 218 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 501854 | 5987 | SH |  | SOLE |  | 5320 | 0 | 667 |
| FIRST TR EXCHANGE TRADED FD | NASDAQ CYB ETF | 33734X846 |  | 366729 | 4825 | SH |  | SOLE |  | 3714 | 0 | 1111 |
| INVESCO EXCHANGE TRADED FD T | S MDCP QUALITY | 46137V472 |  | 401157 | 3822 | SH |  | SOLE |  | 3168 | 0 | 654 |
| INVESCO EXCH TRADED FD TR II | S SMLCAP QTY | 46138G300 |  | 228877 | 5319 | SH |  | SOLE |  | 4579 | 0 | 740 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 302607 | 9504 | SH |  | SOLE |  | 8763 | 0 | 741 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 2808535 | 26374 | SH |  | SOLE |  | 17649 | 0 | 8725 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 2820998 | 29218 | SH |  | SOLE |  | 25855 | 0 | 3363 |
| NEW YORK LIFE INVTS ACTIVE E | NYLI MACKAY MUN | 45409F827 |  | 972923 | 40038 | SH |  | SOLE |  | 18683 | 0 | 21355 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 1739600 | 12500 | SH |  | SOLE |  | 10319 | 0 | 2181 |
| SPDR SERIES TRUST | PORTFLI INTRMDIT | 78464A672 |  | 1030603 | 35661 | SH |  | SOLE |  | 33541 | 0 | 2120 |
| SPDR SERIES TRUST | PORTFOLIO LN TSR | 78464A664 |  | 1104707 | 40991 | SH |  | SOLE |  | 38755 | 0 | 2236 |
| VANGUARD WORLD FD | COMM SRVC ETF | 92204A884 |  | 3912481 | 20841 | SH |  | SOLE |  | 18514 | 0 | 2327 |
| ADOBE INC | COM | 00724F101 |  | 483885 | 1372 | SH |  | SOLE |  | 1142 | 0 | 230 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 303594 | 914 | SH |  | SOLE |  | 889 | 0 | 25 |
| APPLIED MATLS INC | COM | 038222105 |  | 315504 | 1541 | SH |  | SOLE |  | 1374 | 0 | 167 |
| BROADCOM INC | COM | 11135F101 |  | 1105398 | 3351 | SH |  | SOLE |  | 2979 | 0 | 372 |
| CHEVRON CORP NEW | COM | 166764100 |  | 208979 | 1346 | SH |  | SOLE |  | 998 | 0 | 348 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 463000 | 500 | SH |  | SOLE |  | 418 | 0 | 82 |
| DOCUSIGN INC | COM | 256163106 |  | 235085 | 3261 | SH |  | SOLE |  | 2918 | 0 | 343 |
| ELI LILLY  CO | COM | 532457108 |  | 304437 | 399 | SH |  | SOLE |  | 347 | 0 | 52 |
| GE AEROSPACE | COM NEW | 369604301 |  | 344161 | 1144 | SH |  | SOLE |  | 966 | 0 | 178 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 1567434 | 5555 | SH |  | SOLE |  | 5057 | 0 | 499 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 403650 | 6210 | SH |  | SOLE |  | 5254 | 0 | 956 |
| NETAPP INC | COM | 64110D104 |  | 316010 | 2668 | SH |  | SOLE |  | 2042 | 0 | 626 |
| PAYPAL HLDGS INC | COM | 70450Y103 |  | 226529 | 3378 | SH |  | SOLE |  | 3178 | 0 | 200 |
| SELECT SECTOR SPDR TR | COMMUNICATION | 81369Y852 |  | 283155 | 2392 | SH |  | SOLE |  | 2248 | 0 | 144 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 1177452 | 27517 | SH |  | SOLE |  | 22095 | 0 | 5422 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 269509 | 5758 | SH |  | SOLE |  | 4868 | 0 | 890 |
| SPDR SERIES TRUST | PORTFOLIO AGRGTE | 78464A649 |  | 780670 | 30200 | SH |  | SOLE |  | 27363 | 0 | 2837 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 2275388 | 29045 | SH |  | SOLE |  | 25448 | 0 | 3597 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 763749 | 8758 | SH |  | SOLE |  | 5850 | 0 | 2908 |
| SPDR SERIES TRUST | PRTFLO S VL | 78464A508 |  | 419457 | 7581 | SH |  | SOLE |  | 7110 | 0 | 471 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 274613 | 560 | SH |  | SOLE |  | 358 | 0 | 202 |
| GRAYSCALE BITCOIN TRUST ETF | SHS REP COM UT | 389637109 |  | 518152 | 5772 | SH |  | SOLE |  | 4746 | 0 | 1026 |
| HEALTHEQUITY INC | COM | 42226A107 |  | 563029 | 5941 | SH |  | SOLE |  | 5936 | 0 | 5 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 492534 | 2700 | SH |  | SOLE |  | 1745 | 0 | 955 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 204027 | 1002 | SH |  | SOLE |  | 870 | 0 | 132 |
| SPDR SERIES TRUST | PORTFOLIO SHORT | 78464A474 |  | 264704 | 8739 | SH |  | SOLE |  | 7352 | 0 | 1387 |
| EMCOR GROUP INC | COM | 29084Q100 |  | 505342 | 778 | SH |  | SOLE |  | 693 | 0 | 85 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A847 |  | 576766 | 10085 | SH |  | SOLE |  | 7600 | 0 | 2485 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 419358 | 11100 | SH |  | SOLE |  | 10480 | 0 | 620 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 1981842 | 19769 | SH |  | SOLE |  | 17373 | 0 | 2396 |
| ISHARES TR | MBS ETF | 464288588 |  | 675565 | 7100 | SH |  | SOLE |  | 6335 | 0 | 765 |
| ISHARES INC | MSCI JPN ETF NEW | 46434G822 |  | 349475 | 4357 | SH |  | SOLE |  | 2135 | 0 | 2222 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 1049857 | 20695 | SH |  | SOLE |  | 18948 | 0 | 1747 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 989758 | 12629 | SH |  | SOLE |  | 9725 | 0 | 2904 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 409756 | 8846 | SH |  | SOLE |  | 5829 | 0 | 3017 |
| VANGUARD WORLD FD | CONSUM DIS ETF | 92204A108 |  | 405658 | 1024 | SH |  | SOLE |  | 504 | 0 | 520 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 427480 | 1981 | SH |  | SOLE |  | 1206 | 0 | 775 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 368673 | 1420 | SH |  | SOLE |  | 781 | 0 | 639 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 907155 | 1215 | SH |  | SOLE |  | 879 | 0 | 336 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 533846 | 6347 | SH |  | SOLE |  | 5176 | 0 | 1171 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 704168 | 4034 | SH |  | SOLE |  | 2574 | 0 | 1460 |
| AUTOZONE INC | COM | 053332102 |  | 304607 | 71 | SH |  | SOLE |  | 51 | 0 | 20 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 298337 | 6615 | SH |  | SOLE |  | 5389 | 0 | 1226 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 2400729 | 49818 | SH |  | SOLE |  | 49192 | 0 | 626 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 758459 | 16972 | SH |  | SOLE |  | 16972 | 0 | 0 |
| ISHARES TR | FLTG RATE NT ETF | 46429B655 |  | 218286 | 4273 | SH |  | SOLE |  | 4233 | 0 | 40 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 2426575 | 22725 | SH |  | SOLE |  | 17320 | 0 | 5405 |
| MCKESSON CORP | COM | 58155Q103 |  | 338965 | 439 | SH |  | SOLE |  | 342 | 0 | 97 |
| SPROUTS FMRS MKT INC | COM | 85208M102 |  | 241210 | 2217 | SH |  | SOLE |  | 1947 | 0 | 270 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2259564 | 3376 | SH |  | SOLE |  | 3099 | 0 | 277 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 944077 | 11628 | SH |  | SOLE |  | 11048 | 0 | 580 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1295471 | 4107 | SH |  | SOLE |  | 3972 | 0 | 135 |
| SPDR INDEX SHS FDS | S INTL SMLCP | 78463X871 |  | 214642 | 5342 | SH |  | SOLE |  | 4678 | 0 | 664 |
| CISCO SYS INC | COM | 17275R102 |  | 283669 | 4146 | SH |  | SOLE |  | 3456 | 0 | 690 |
| MERCADOLIBRE INC | COM | 58733R102 |  | 219672 | 94 | SH |  | SOLE |  | 84 | 0 | 10 |
| ISHARES TR | AGENCY BOND ETF | 464288166 |  | 589817 | 5344 | SH |  | SOLE |  | 5262 | 0 | 82 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 378368 | 8204 | SH |  | SOLE |  | 8204 | 0 | 0 |
| DECKERS OUTDOOR CORP | COM | 243537107 |  | 1685783 | 16630 | SH |  | SOLE |  | 16610 | 0 | 20 |
| TJX COS INC NEW | COM | 872540109 |  | 429284 | 2970 | SH |  | SOLE |  | 2970 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 520604 | 2494 | SH |  | SOLE |  | 1735 | 0 | 759 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 279784 | 1149 | SH |  | SOLE |  | 1065 | 0 | 84 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 251205 | 737 | SH |  | SOLE |  | 694 | 0 | 43 |
| EVERCORE INC | CLASS A | 29977A105 |  | 330236 | 979 | SH |  | SOLE |  | 979 | 0 | 0 |
| ISHARES TR | GLOBAL TECH ETF | 464287291 |  | 1241410 | 12028 | SH |  | SOLE |  | 10868 | 0 | 1160 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 938319 | 3878 | SH |  | SOLE |  | 3796 | 0 | 82 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 254090 | 910 | SH |  | SOLE |  | 910 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 572280 | 1657 | SH |  | SOLE |  | 1450 | 0 | 207 |
| VANGUARD MUN BD FDS | INTERMEDIATE TRM | 922907738 |  | 200660 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 433156 | 8651 | SH |  | SOLE |  | 5151 | 0 | 3500 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 686795 | 7120 | SH |  | SOLE |  | 6870 | 0 | 250 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 1280604 | 40487 | SH |  | SOLE |  | 40310 | 0 | 177 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 2197955 | 3661 | SH |  | SOLE |  | 3661 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 296351 | 10494 | SH |  | SOLE |  | 10494 | 0 | 0 |
| DOW INC | COM | 260557103 |  | 458944 | 20015 | SH |  | SOLE |  | 20015 | 0 | 0 |
| UNIVERSAL DISPLAY CORP | COM | 91347P105 |  | 287260 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| VODAFONE GROUP PLC NEW | SPONSORED ADR | 92857W308 |  | 116000 | 10000 | SH |  | SOLE |  | 10000 | 0 | 0 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 1222440 | 12231 | SH |  | SOLE |  | 9055 | 0 | 3176 |
| ISHARES TR | US TELECOM ETF | 464287713 |  | 257338 | 7977 | SH |  | SOLE |  | 1727 | 0 | 6250 |
| SPDR SERIES TRUST | S 600 SMCP VAL | 78464A300 |  | 288113 | 3250 | SH |  | SOLE |  | 0 | 0 | 3250 |
| J P MORGAN EXCHANGE TRADED F | NASDAQ EQT PREM | 46654Q203 |  | 552192 | 9600 | SH |  | SOLE |  | 9600 | 0 | 0 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 230895 | 750 | SH |  | SOLE |  | 750 | 0 | 0 |
| FIDELITY WISE ORIGIN BITCOIN | SHS | 315948109 |  | 257510 | 2580 | SH |  | SOLE |  | 0 | 0 | 2580 |
| FIRST TR EXCHANGE-TRADED FD | CAP STRENGTH ETF | 33733E104 |  | 245805 | 2625 | SH |  | SOLE |  | 2625 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 269175 | 448 | SH |  | SOLE |  | 423 | 0 | 25 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 440553 | 950 | SH |  | SOLE |  | 850 | 0 | 100 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 594909 | 5224 | SH |  | SOLE |  | 4587 | 0 | 637 |
| ISHARES TR | DOW JONES US ETF | 464287846 |  | 828638 | 5100 | SH |  | SOLE |  | 5100 | 0 | 0 |
| SHELL PLC | SPON ADS | 780259305 |  | 216593 | 3028 | SH |  | SOLE |  | 3028 | 0 | 0 |
| SPDR SERIES TRUST | S DIVID ETF | 78464A763 |  | 308110 | 2200 | SH |  | SOLE |  | 2200 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 754200 | 1 | SH |  | SOLE |  | 1 | 0 | 0 |

---