The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Ishares 7-10 Year Treasury ExchangeTraded Fund 464287440   6,320 65,980 SH   SOLE   0 0 65,980
JP Morgan Ultra-Short Income ETF ExchangeTraded Fund 46641Q837   5,308 105,888 SH   SOLE   0 0 105,888
Vanguard Total Bond Market ExchangeTraded Fund 921937835   4,933 68,665 SH   SOLE   0 0 68,665
Vanguard MBS ExchangeTraded Fund 92206C771   4,880 107,198 SH   SOLE   0 0 107,198
Quanta Services COM 74762E102   4,821 33,835 SH   SOLE   0 0 33,835
Vanguard Short Term Coporate ExchangeTraded Fund 92206C409   4,735 62,977 SH   SOLE   0 0 62,977
EOG Resources COM 26875P101   4,642 35,838 SH   SOLE   0 0 35,838
Apple Computer COM 037833100   4,527 34,840 SH   SOLE   0 0 34,840
Microsoft COM 594918104   4,186 17,453 SH   SOLE   0 0 17,453
Alphabet Cl A COM 38259P508   4,182 47,403 SH   SOLE   0 0 47,403
Amazon COM 023135106   4,165 49,583 SH   SOLE   0 0 49,583
Ishares National Muni Bond ExchangeTraded Fund 464288414   3,700 35,062 SH   SOLE   0 0 35,062
Vanguard Intermediate Term Coporate ExchangeTraded Fund 92206C870   3,691 47,618 SH   SOLE   0 0 47,618
United Healthcare COM 91324P102   3,537 6,671 SH   SOLE   0 0 6,671
HCA Inc. COM 40412C101   3,431 14,300 SH   SOLE   0 0 14,300
Visa COM 92826C839   3,358 16,162 SH   SOLE   0 0 16,162
Ishares S&P Short Term Nat'l Muni Bond ExchangeTraded Fund 464288158   3,259 31,260 SH   SOLE   0 0 31,260
Charles Schwab COM 808513105   3,156 37,907 SH   SOLE   0 0 37,907
Blackrock COM 09247X101   3,151 4,447 SH   SOLE   0 0 4,447
Regeneron COM 75886F107   3,136 4,347 SH   SOLE   0 0 4,347
Lowes Companies COM 548661107   3,114 15,630 SH   SOLE   0 0 15,630
JP Morgan Chase COM 46625H100   3,068 22,877 SH   SOLE   0 0 22,877
Chubb COM H1467J104   3,054 13,842 SH   SOLE   0 0 13,842
Broadcom COM 11135F101   3,020 5,401 SH   SOLE   0 0 5,401
Union Pacific COM 907818108   2,987 14,424 SH   SOLE   0 0 14,424
The Travelers Cos COM 89417E109   2,766 14,751 SH   SOLE   0 0 14,751
Eaton Corp COM G29183103   2,752 17,534 SH   SOLE   0 0 17,534
Honeywell Int'l COM 438516106   2,720 12,692 SH   SOLE   0 0 12,692
Comcast Cl A COM 20030N101   2,663 76,154 SH   SOLE   0 0 76,154
Wal-Mart Stores COM 931142103   2,661 18,765 SH   SOLE   0 0 18,765
Oracle COM 68389X105   2,654 32,471 SH   SOLE   0 0 32,471
Marriott COM 571903202   2,603 17,480 SH   SOLE   0 0 17,480
Texas Instruments COM 882508104   2,506 15,169 SH   SOLE   0 0 15,169
Agilent COM 00846U101   2,474 16,531 SH   SOLE   0 0 16,531
Booking Holdings COM 741503403   2,449 1,215 SH   SOLE   0 0 1,215
Amgen COM 031162100   2,385 9,081 SH   SOLE   0 0 9,081
Applied Materials COM 038222105   2,268 23,288 SH   SOLE   0 0 23,288
Walt Disney COM 254687106   2,265 26,071 SH   SOLE   0 0 26,071
Thermo Fisher Scientific COM 883556102   2,251 4,088 SH   SOLE   0 0 4,088
Bank of America COM 060505104   2,246 67,810 SH   SOLE   0 0 67,810
Estee Lauder COM 518439104   2,236 9,012 SH   SOLE   0 0 9,012
Cisco Systems COM 17275R102   2,204 46,269 SH   SOLE   0 0 46,269
Constellation Brands COM 21036P108   2,173 9,378 SH   SOLE   0 0 9,378
FedEx Corp COM 31428X106   2,100 12,122 SH   SOLE   0 0 12,122
Adobe COM 00724F101   1,966 5,842 SH   SOLE   0 0 5,842
Johnson & Johnson COM 478160104   1,959 11,088 SH   SOLE   0 0 11,088
EBAY COM 278642103   1,947 46,950 SH   SOLE   0 0 46,950
Iqvia Holdings COM 46266C105   1,943 9,483 SH   SOLE   0 0 9,483
SalesForce COM 79466L302   1,776 13,396 SH   SOLE   0 0 13,396
S&P 500 SPDR ETF ExchangeTraded Fund 78462F103   1,608 4,205 SH   SOLE   0 0 4,205
Medtronic COM 585055106   1,591 20,475 SH   SOLE   0 0 20,475
ConocoPhilips COM 20825C104   1,513 12,818 SH   SOLE   0 0 12,818
Boeing COM 097023105   1,502 7,883 SH   SOLE   0 0 7,883
Pioneer Nattural Resources COM 723787107   1,390 6,086 SH   SOLE   0 0 6,086
Diageo Plc ADS Common 25243Q205   1,382 7,755 SH   SOLE   0 0 7,755
Advanced Mico Devices COM 007903107   1,364 21,062 SH   SOLE   0 0 21,062
SPDR Midcap 400 ETF ExchangeTraded Fund 78467Y107   1,337 3,019 SH   SOLE   0 0 3,019
Ishares Iboxx Investment Grade Corp Bond ExchangeTraded Fund 464287242   1,315 12,475 SH   SOLE   0 0 12,475
PayPal COM 70450Y103   1,179 16,556 SH   SOLE   0 0 16,556
Abbvie Inc COM 00287Y109   1,155 7,145 SH   SOLE   0 0 7,145
PepsiCo COM 713448108   1,033 5,718 SH   SOLE   0 0 5,718
Meta Platforms Inc COM 30303M102   1,028 8,545 SH   SOLE   0 0 8,545
USBancorp COM 902973304   969 22,231 SH   SOLE   0 0 22,231
Workday COM 98138H101   928 5,544 SH   SOLE   0 0 5,544
Deere COM 244199105   839 1,957 SH   SOLE   0 0 1,957
Autozone COM 053332102   626 254 SH   SOLE   0 0 254
Ishare 3-7 Year Treasury ExchangeTraded Fund 464288661   544 4,738 SH   SOLE   0 0 4,738
Illinois Tool Works COM 452308109   368 1,672 SH   SOLE   0 0 1,672
BP PLC ADS Common 055622104   363 10,403 SH   SOLE   0 0 10,403
Vertex Pharmaceuticals COM 92532F100   356 1,233 SH   SOLE   0 0 1,233
Ishares Japan ExchangeTraded Fund 46434G822   321 5,898 SH   SOLE   0 0 5,898
Ishares Asia Paciffc Ex Japan ExchangeTraded Fund 464288182   319 4,931 SH   SOLE   0 0 4,931
Ishares MSCI Emerging Mkts ExchangeTraded Fund 464287234   314 8,273 SH   SOLE   0 0 8,273
Fiserv Inc COM 337738108   310 3,071 SH   SOLE   0 0 3,071
Ishares Russell 2000 ExchangeTraded Fund 464287655   305 1,749 SH   SOLE   0 0 1,749
Nasdaq 100 Tr ExchangeTraded Fund 46090E103   302 1,135 SH   SOLE   0 0 1,135
Canadian Pacific Railway COM 13645T100   293 3,930 SH   SOLE   0 0 3,930
Costco COM 22160K105   228 500 SH   SOLE   0 0 500
Ishares Aggregate Bond ExchangeTraded Fund 464287226   110 1,130 SH   SOLE   0 0 1,130
Baxter Int COM 071813109   105 2,059 SH   SOLE   0 0 2,059
Lululemon COM 550021109   84 263 SH   SOLE   0 0 263
Mid-America Apartment COM 59522J103   78 495 SH   SOLE   0 0 495