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   11,338,569 225,733 SH   SOLE   0 0 225,733
Amazon COM 023135106   7,131,000 46,933 SH   SOLE   0 0 46,933
Alphabet Cl A COM 38259P508   6,537,352 46,799 SH   SOLE   0 0 46,799
Apple Computer COM 037833100   6,534,083 33,938 SH   SOLE   0 0 33,938
Microsoft COM 594918104   6,457,359 17,172 SH   SOLE   0 0 17,172
Quanta Services COM 74762E102   6,230,362 28,871 SH   SOLE   0 0 28,871
Ishares 7-10 Year Treasury ExchangeTraded Fund 464287440   5,670,816 58,832 SH   SOLE   0 0 58,832
Broadcom COM 11135F101   5,467,393 4,898 SH   SOLE   0 0 4,898
Vanguard Total Bond Market ExchangeTraded Fund 921937835   5,062,594 68,832 SH   SOLE   0 0 68,832
Vanguard MBS ExchangeTraded Fund 92206C771   4,976,792 107,351 SH   SOLE   0 0 107,351
Meta Platforms Inc COM 30303M102   4,917,920 13,894 SH   SOLE   0 0 13,894
Vanguard Short Term Coporate ExchangeTraded Fund 92206C409   4,756,166 61,473 SH   SOLE   0 0 61,473
EOG Resources COM 26875P101   4,145,924 34,278 SH   SOLE   0 0 34,278
Booking Holdings COM 741503403   4,100,586 1,156 SH   SOLE   0 0 1,156
Vanguard Intermediate Term Coporate ExchangeTraded Fund 92206C870   4,024,335 49,512 SH   SOLE   0 0 49,512
Visa COM 92826C839   3,932,326 15,104 SH   SOLE   0 0 15,104
Eaton Corp COM G29183103   3,883,670 16,127 SH   SOLE   0 0 16,127
Marriott COM 571903202   3,798,490 16,844 SH   SOLE   0 0 16,844
JP Morgan Chase COM 46625H100   3,770,947 22,169 SH   SOLE   0 0 22,169
Ishares National Muni Bond ExchangeTraded Fund 464288414   3,690,602 34,043 SH   SOLE   0 0 34,043
Applied Materials COM 038222105   3,669,427 22,641 SH   SOLE   0 0 22,641
HCA Inc. COM 40412C101   3,646,060 13,470 SH   SOLE   0 0 13,470
Adobe COM 00724F101   3,613,010 6,056 SH   SOLE   0 0 6,056
Regeneron COM 75886F107   3,586,058 4,083 SH   SOLE   0 0 4,083
Blackrock COM 09247X101   3,572,732 4,401 SH   SOLE   0 0 4,401
SalesForce COM 79466L302   3,564,758 13,547 SH   SOLE   0 0 13,547
Union Pacific COM 907818108   3,458,575 14,081 SH   SOLE   0 0 14,081
United Healthcare COM 91324P102   3,364,143 6,390 SH   SOLE   0 0 6,390
Comcast Cl A COM 20030N101   3,340,011 76,169 SH   SOLE   0 0 76,169
Lowes Companies COM 548661107   3,329,571 14,961 SH   SOLE   0 0 14,961
Oracle COM 68389X105   3,272,863 31,043 SH   SOLE   0 0 31,043
Advanced Mico Devices COM 007903107   3,221,646 21,855 SH   SOLE   0 0 21,855
Ishares S&P Short Term Nat'l Muni Bond ExchangeTraded Fund 464288158   3,200,749 30,359 SH   SOLE   0 0 30,359
Chubb COM H1467J104   3,032,016 13,416 SH   SOLE   0 0 13,416
FedEx Corp COM 31428X106   2,949,124 11,658 SH   SOLE   0 0 11,658
Wal-Mart Stores COM 931142103   2,840,222 18,016 SH   SOLE   0 0 18,016
The Travelers Cos COM 89417E109   2,747,437 14,423 SH   SOLE   0 0 14,423
Amgen COM 031162100   2,675,706 9,290 SH   SOLE   0 0 9,290
Honeywell Int'l COM 438516106   2,638,571 12,582 SH   SOLE   0 0 12,582
Charles Schwab COM 808513105   2,637,310 38,333 SH   SOLE   0 0 38,333
T-Mobile U.S. COM 872590104   2,387,474 14,891 SH   SOLE   0 0 14,891
Texas Instruments COM 882508104   2,330,359 13,671 SH   SOLE   0 0 13,671
Cisco Systems COM 17275R102   2,290,880 45,346 SH   SOLE   0 0 45,346
Constellation Brands COM 21036P108   2,235,704 9,248 SH   SOLE   0 0 9,248
Iqvia Holdings COM 46266C105   2,205,514 9,532 SH   SOLE   0 0 9,532
Boeing COM 097023105   2,148,099 8,241 SH   SOLE   0 0 8,241
Agilent COM 00846U101   2,142,591 15,411 SH   SOLE   0 0 15,411
S&P 500 SPDR ETF ExchangeTraded Fund 78462F103   2,003,907 4,216 SH   SOLE   0 0 4,216
Kroger COM 501044101   2,030,027 44,411 SH   SOLE   0 0 44,411
Thermo Fisher Scientific COM 883556102   1,978,254 3,727 SH   SOLE   0 0 3,727
Bank of America COM 060505104   1,798,012 53,401 SH   SOLE   0 0 53,401
ConocoPhilips COM 20825C104   1,725,264 14,864 SH   SOLE   0 0 14,864
Workday COM 98138H101   1,723,995 6,245 SH   SOLE   0 0 6,245
SPDR Midcap 400 ETF ExchangeTraded Fund 78467Y107   1,579,981 3,114 SH   SOLE   0 0 3,114
Diamondback Energy COM 25278X109   1,594,998 10,285 SH   SOLE   0 0 10,285
Becton Dickinson COM 075887109   1,555,879 6,381 SH   SOLE   0 0 6,381
Uber Inc COM 90353T100   1,497,813 24,327 SH   SOLE   0 0 24,327
PepsiCo COM 713448108   1,377,402 8,110 SH   SOLE   0 0 8,110
Wells Fargo COM 949746101   1,132,749 23,014 SH   SOLE   0 0 23,014
Hershey COM 427866108   1,102,420 5,913 SH   SOLE   0 0 5,913
Ishares Iboxx Investment Grade Corp Bond ExchangeTraded Fund 464287242   1,101,288 9,952 SH   SOLE   0 0 9,952
Johnson & Johnson COM 478160104   974,453 6,217 SH   SOLE   0 0 6,217
Abbvie Inc COM 00287Y109   972,127 6,273 SH   SOLE   0 0 6,273
Ishare 3-7 Year Treasury ExchangeTraded Fund 464288661   879,061 7,505 SH   SOLE   0 0 7,505
Merck COM 58933Y105   868,126 7,963 SH   SOLE   0 0 7,963
Deere COM 244199105   852,523 2,132 SH   SOLE   0 0 2,132
PayPal COM 70450Y103   767,748 12,502 SH   SOLE   0 0 12,502
Fiserv Inc COM 337738108   762,634 5,741 SH   SOLE   0 0 5,741
Autozone COM 053332102   659,331 255 SH   SOLE   0 0 255
Diageo Plc ADS Common 25243Q205   583,368 4,005 SH   SOLE   0 0 4,005
Vertex Pharmaceuticals COM 92532F100   517,564 1,272 SH   SOLE   0 0 1,272
Nasdaq 100 Tr ExchangeTraded Fund 46090E103   476,681 1,164 SH   SOLE   0 0 1,164
Ishares Japan ExchangeTraded Fund 46434G822   395,102 6,160 SH   SOLE   0 0 6,160
BP PLC ADS Common 055622104   392,975 11,101 SH   SOLE   0 0 11,101
Illinois Tool Works COM 452308109   381,647 1,457 SH   SOLE   0 0 1,457
Ishares Russell 2000 ExchangeTraded Fund 464287655   380,948 1,898 SH   SOLE   0 0 1,898
Ishares MSCI Emerging Mkts ExchangeTraded Fund 464287234   357,145 8,882 SH   SOLE   0 0 8,882
Pacer Developed Markets ExchangeTraded Fund 69374H873   356,886 11,424 SH   SOLE   0 0 11,424
Ishares Asia Paciffc Ex Japan ExchangeTraded Fund 464288182   353,420 5,309 SH   SOLE   0 0 5,309
Pacer US Cash Cows 100 ExchangeTraded Fund 69374H881   311,940 6,000 SH   SOLE   0 0 6,000
Canadian Pacific Railway COM 13645T100   308,334 3,900 SH   SOLE   0 0 3,900
Waters COM 941848103   263,384 800 SH   SOLE   0 0 800
Astrazeneca COM 046353108   246,030 3,653 SH   SOLE   0 0 3,653
Analog Devices COM 032654105   245,817 1,238 SH   SOLE   0 0 1,238
Danaher COM 235851102   231,109 999 SH   SOLE   0 0 999
Costco COM 22160K105   231,028 350 SH   SOLE   0 0 350
Citigroup COM 172967424   153,600 2,986 SH   SOLE   0 0 2,986
Lululemon COM 550021109   138,048 270 SH   SOLE   0 0 270
Ishares Aggregate Bond ExchangeTraded Fund 464287226   112,153 1,130 SH   SOLE   0 0 1,130
Tractor Supply COM 892356106   93,108 433 SH   SOLE   0 0 433
Ishares Short Term Coporate ExchangeTraded Fund 464288646   71,785 1,400 SH   SOLE   0 0 1,400
Intuit COM 461202103   68,128 109 SH   SOLE   0 0 109
Mid-America Apartment COM 59522J103   66,558 495 SH   SOLE   0 0 495
Ishares High Yield ExchangeTraded Fund 464288513   62,841 812 SH   SOLE   0 0 812
Palo Alto Netwroks COM 416202103   39,809 135 SH   SOLE   0 0 135
Proctor and Gamble COM 742718109   38,980 266 SH   SOLE   0 0 266
Alphabet CL C COM 02079K107   19,730 140 SH   SOLE   0 0 140
CSX COM 126408103   19,623 566 SH   SOLE   0 0 566
Boston Scientiffic COM 101137107   16,707 289 SH   SOLE   0 0 289
EastGroup Properties COM 277276101   13,766 75 SH   SOLE   0 0 75
JB Hunt COM 445658107   2,996 15 SH   SOLE   0 0 15