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
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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
JP Morgan Ultra-Short Income ETF ExchangeTraded Fund 46641Q837   14,042,070 279,834 SH   SOLE   0 0 279,834
Amazon COM 023135106   6,314,432 49,673 SH   SOLE   0 0 49,673
Alphabet Cl A COM 38259P508   6,249,088 47,754 SH   SOLE   0 0 47,754
Apple Computer COM 037833100   5,925,921 34,612 SH   SOLE   0 0 34,612
Quanta Services COM 74762E102   5,692,166 30,428 SH   SOLE   0 0 30,428
Ishares 7-10 Year Treasury ExchangeTraded Fund 464287440   5,641,852 61,599 SH   SOLE   0 0 61,599
Microsoft COM 594918104   5,508,259 17,445 SH   SOLE   0 0 17,445
Vanguard Total Bond Market ExchangeTraded Fund 921937835   4,867,155 69,750 SH   SOLE   0 0 69,750
Vanguard Short Term Coporate ExchangeTraded Fund 92206C409   4,752,937 63,246 SH   SOLE   0 0 63,246
Vanguard MBS ExchangeTraded Fund 92206C771   4,704,336 107,454 SH   SOLE   0 0 107,454
EOG Resources COM 26875P101   4,506,952 35,555 SH   SOLE   0 0 35,555
Meta Platforms Inc COM 30303M102   4,332,931 14,433 SH   SOLE   0 0 14,433
Broadcom COM 11135F101   4,230,975 5,094 SH   SOLE   0 0 5,094
Vanguard Intermediate Term Coporate ExchangeTraded Fund 92206C870   3,783,196 49,792 SH   SOLE   0 0 49,792
Booking Holdings COM 741503403   3,682,236 1,194 SH   SOLE   0 0 1,194
Eaton Corp COM G29183103   3,652,390 17,125 SH   SOLE   0 0 17,125
Visa COM 92826C839   3,623,808 15,755 SH   SOLE   0 0 15,755
Ishares National Muni Bond ExchangeTraded Fund 464288414   3,611,972 35,225 SH   SOLE   0 0 35,225
Regeneron COM 75886F107   3,472,891 4,220 SH   SOLE   0 0 4,220
Comcast Cl A COM 20030N101   3,417,860 77,083 SH   SOLE   0 0 77,083
Marriott COM 571903202   3,403,043 17,313 SH   SOLE   0 0 17,313
HCA Inc. COM 40412C101   3,389,112 13,778 SH   SOLE   0 0 13,778
Oracle COM 68389X105   3,362,430 31,745 SH   SOLE   0 0 31,745
United Healthcare COM 91324P102   3,340,259 6,625 SH   SOLE   0 0 6,625
JP Morgan Chase COM 46625H100   3,318,638 22,884 SH   SOLE   0 0 22,884
Ishares S&P Short Term Nat'l Muni Bond ExchangeTraded Fund 464288158   3,220,752 31,312 SH   SOLE   0 0 31,312
Adobe COM 00724F101   3,210,330 6,296 SH   SOLE   0 0 6,296
Applied Materials COM 038222105   3,205,118 23,150 SH   SOLE   0 0 23,150
FedEx Corp COM 31428X106   3,178,510 11,998 SH   SOLE   0 0 11,998
Lowes Companies COM 548661107   3,177,458 15,288 SH   SOLE   0 0 15,288
Wal-Mart Stores COM 931142103   2,993,570 18,718 SH   SOLE   0 0 18,718
Blackrock COM 09247X101   2,951,873 4,566 SH   SOLE   0 0 4,566
Union Pacific COM 907818108   2,944,286 14,459 SH   SOLE   0 0 14,459
Chubb COM H1467J104   2,902,654 13,943 SH   SOLE   0 0 13,943
SalesForce COM 79466L302   2,780,519 13,712 SH   SOLE   0 0 13,712
Amgen COM 031162100   2,531,719 9,420 SH   SOLE   0 0 9,420
Cisco Systems COM 17275R102   2,500,055 46,504 SH   SOLE   0 0 46,504
Texas Instruments COM 882508104   2,432,853 15,300 SH   SOLE   0 0 15,300
The Travelers Cos COM 89417E109   2,414,702 14,786 SH   SOLE   0 0 14,786
Constellation Brands COM 21036P108   2,378,838 9,465 SH   SOLE   0 0 9,465
Honeywell Int'l COM 438516106   2,374,463 12,853 SH   SOLE   0 0 12,853
Advanced Mico Devices COM 007903107   2,230,886 21,697 SH   SOLE   0 0 21,697
Charles Schwab COM 808513105   2,142,308 39,022 SH   SOLE   0 0 39,022
Thermo Fisher Scientific COM 883556102   2,117,309 4,183 SH   SOLE   0 0 4,183
Agilent COM 00846U101   1,950,924 17,447 SH   SOLE   0 0 17,447
Iqvia Holdings COM 46266C105   1,901,195 9,663 SH   SOLE   0 0 9,663
Bank of America COM 060505104   1,845,467 67,402 SH   SOLE   0 0 67,402
S&P 500 SPDR ETF ExchangeTraded Fund 78462F103   1,834,317 4,291 SH   SOLE   0 0 4,291
Johnson & Johnson COM 478160104   1,783,649 11,452 SH   SOLE   0 0 11,452
ConocoPhilips COM 20825C104   1,692,295 14,126 SH   SOLE   0 0 14,126
Diamondback Energy COM 25278X109   1,601,304 10,339 SH   SOLE   0 0 10,339
Boeing COM 097023105   1,578,485 8,235 SH   SOLE   0 0 8,235
SPDR Midcap 400 ETF ExchangeTraded Fund 78467Y107   1,438,873 3,151 SH   SOLE   0 0 3,151
Workday COM 98138H101   1,299,628 6,049 SH   SOLE   0 0 6,049
Diageo Plc ADS Common 25243Q205   1,249,084 8,373 SH   SOLE   0 0 8,373
Abbvie Inc COM 00287Y109   1,129,875 7,580 SH   SOLE   0 0 7,580
Ishares Iboxx Investment Grade Corp Bond ExchangeTraded Fund 464287242   1,081,514 10,601 SH   SOLE   0 0 10,601
Uber Inc COM 90353T100   1,067,520 23,212 SH   SOLE   0 0 23,212
PepsiCo COM 713448108   1,021,045 6,026 SH   SOLE   0 0 6,026
Wells Fargo COM 949746101   884,006 21,635 SH   SOLE   0 0 21,635
Deere COM 244199105   798,913 2,117 SH   SOLE   0 0 2,117
PayPal COM 70450Y103   746,943 12,777 SH   SOLE   0 0 12,777
Ishare 3-7 Year Treasury ExchangeTraded Fund 464288661   684,618 6,050 SH   SOLE   0 0 6,050
Fiserv Inc COM 337738108   643,646 5,698 SH   SOLE   0 0 5,698
Autozone COM 053332102   612,138 241 SH   SOLE   0 0 241
Vertex Pharmaceuticals COM 92532F100   433,632 1,247 SH   SOLE   0 0 1,247
Nasdaq 100 Tr ExchangeTraded Fund 46090E103   430,282 1,201 SH   SOLE   0 0 1,201
Kroger COM 501044101   428,123 9,567 SH   SOLE   0 0 9,567
BP PLC ADS Common 055622104   425,959 11,001 SH   SOLE   0 0 11,001
Ishares Japan ExchangeTraded Fund 46434G822   377,958 6,269 SH   SOLE   0 0 6,269
Illinois Tool Works COM 452308109   358,362 1,556 SH   SOLE   0 0 1,556
Becton Dickinson COM 075887109   346,689 1,341 SH   SOLE   0 0 1,341
Ishares MSCI Emerging Mkts ExchangeTraded Fund 464287234   335,782 8,848 SH   SOLE   0 0 8,848
Ishares Asia Paciffc Ex Japan ExchangeTraded Fund 464288182   334,772 5,272 SH   SOLE   0 0 5,272
Ishares Russell 2000 ExchangeTraded Fund 464287655   331,211 1,874 SH   SOLE   0 0 1,874
Canadian Pacific Railway COM 13645T100   290,199 3,900 SH   SOLE   0 0 3,900
T-Mobile U.S. COM 872590104   212,736 1,519 SH   SOLE   0 0 1,519
Costco COM 22160K105   197,736 350 SH   SOLE   0 0 350
Mkt Vctrs Vietnam ETF ExchangeTraded Fund 92189F817   167,937 12,403 SH   SOLE   0 0 12,403
Ishares Aggregate Bond ExchangeTraded Fund 464287226   106,265 1,130 SH   SOLE   0 0 1,130
Lululemon COM 550021109   104,115 270 SH   SOLE   0 0 270
Ishares Short Term Coporate ExchangeTraded Fund 464288646   69,762 1,400 SH   SOLE   0 0 1,400
Mid-America Apartment COM 59522J103   63,682 495 SH   SOLE   0 0 495
Ishares High Yield ExchangeTraded Fund 464288513   59,861 812 SH   SOLE   0 0 812
Intuit COM 461202103   55,692 109 SH   SOLE   0 0 109
Tractor Supply COM 892356106   49,544 244 SH   SOLE   0 0 244
Proctor and Gamble COM 742718109   38,799 266 SH   SOLE   0 0 266
Palo Alto Netwroks COM 416202103   31,649 135 SH   SOLE   0 0 135
Alphabet CL C COM 02079K107   18,459 140 SH   SOLE   0 0 140
CSX COM 126408103   17,405 566 SH   SOLE   0 0 566
EastGroup Properties COM 277276101   12,490 75 SH   SOLE   0 0 75
JB Hunt COM 445658107   2,828 15 SH   SOLE   0 0 15