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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
3M CO COM 88579Y101   567,977 5,404 SH   SOLE   0 0 5,404
AMAZON COM INC COM 023135106   737,284 7,138 SH   SOLE   0 0 7,138
ISHARES TR EAFE SML CP ETF 464288273   2,341,729 39,350 SH   SOLE   0 0 39,350
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   3,311,062 65,191 SH   SOLE   0 0 65,191
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,051,705 10,824 SH   SOLE   0 0 10,824
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,958,159 14,494 SH   SOLE   0 0 14,494
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   861,530 11,532 SH   SOLE   0 0 11,532
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307   2,560,945 83,500 SH   SOLE   0 0 83,500
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,830,863 22,104 SH   SOLE   0 0 22,104
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   654,905 20,370 SH   SOLE   0 0 20,370
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,290,448 9,968 SH   SOLE   0 0 9,968
HEALTHEQUITY INC COM 42226A107   261,318 4,451 SH   SOLE   0 0 4,451
INVESCO DB MULTI-SECTOR COMM OIL FD 46140H403   2,319,282 159,182 SH   SOLE   0 0 159,182
SPDR GOLD TR GOLD SHS 78463V107   3,637,467 19,853 SH   SOLE   0 0 19,853
SPDR SER TR PORTFLI INTRMDIT 78464A672   2,529,359 87,400 SH   SOLE   0 0 87,400
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,985,359 19,769 SH   SOLE   0 0 19,769
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,355,355 20,023 SH   SOLE   0 0 20,023
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   933,037 11,236 SH   SOLE   0 0 11,236
VANGUARD INDEX FDS SM CP VAL ETF 922908611   668,600 4,211 SH   SOLE   0 0 4,211
VANGUARD INDEX FDS VALUE ETF 922908744   3,727,418 26,989 SH   SOLE   0 0 26,989
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   202,485 3,377 SH   SOLE   0 0 3,377
INVESCO QQQ TR UNIT SER 1 46090E103   290,121 904 SH   SOLE   0 0 904
ISHARES TR CORE S&P SCP ETF 464287804   511,543 5,290 SH   SOLE   0 0 5,290
META PLATFORMS INC CL A 30303M102   786,085 3,709 SH   SOLE   0 0 3,709
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   324,155 2,105 SH   SOLE   0 0 2,105
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   293,928 2,905 SH   SOLE   0 0 2,905
ISHARES GOLD TR ISHARES NEW 464285204   646,090 17,289 SH   SOLE   0 0 17,289
SPDR SER TR PORTFOLIO S&P500 78464A854   1,061,733 22,051 SH   SOLE   0 0 22,051
SPDR SER TR PORTFOLIO S&P600 78468R853   534,257 14,145 SH   SOLE   0 0 14,145
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   632,947 4,721 SH   SOLE   0 0 4,721
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   5,305,633 105,438 SH   SOLE   0 0 105,438
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,747,939 36,048 SH   SOLE   0 0 36,048
ISHARES TR AGENCY BOND ETF 464288166   552,207 5,102 SH   SOLE   0 0 5,102
ISHARES TR IBOXX HI YD ETF 464288513   797,535 10,556 SH   SOLE   0 0 10,556
SPDR SER TR PORTFOLIO AGRGTE 78464A649   554,800 21,512 SH   SOLE   0 0 21,512
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   791,340 24,637 SH   SOLE   0 0 24,637
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   207,237 6,072 SH   SOLE   0 0 6,072
SPDR SER TR PORTFOLIO LN TSR 78464A664   396,657 12,845 SH   SOLE   0 0 12,845
SPDR SER TR PORTFOLIO S&P400 78464A847   541,016 12,313 SH   SOLE   0 0 12,313
SPDR SER TR PRTFLO S&P500 VL 78464A508   547,806 13,453 SH   SOLE   0 0 13,453
SPDR SER TR PORTFOLIO SHORT 78464A474   396,401 13,378 SH   SOLE   0 0 13,378
ALPHABET INC CAP STK CL A 02079K305   965,726 9,310 SH   SOLE   0 0 9,310
APPLE INC COM 037833100   3,174,400 19,250 SH   SOLE   0 0 19,250
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   896,051 2,902 SH   SOLE   0 0 2,902
CONOCOPHILLIPS COM 20825C104   326,599 3,292 SH   SOLE   0 0 3,292
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   440,101 13,655 SH   SOLE   0 0 13,655
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,311,433 13,096 SH   SOLE   0 0 13,096
MICROSOFT CORP COM 594918104   698,657 2,423 SH   SOLE   0 0 2,423
NVIDIA CORPORATION COM 67066G104   886,086 3,190 SH   SOLE   0 0 3,190
QUALCOMM INC COM 747525103   350,080 2,744 SH   SOLE   0 0 2,744
TESLA INC COM 88160R101   232,148 1,119 SH   SOLE   0 0 1,119
THE CIGNA GROUP COM 125523100   371,032 1,452 SH   SOLE   0 0 1,452
VANGUARD INDEX FDS MID CAP ETF 922908629   2,239,946 10,620 SH   SOLE   0 0 10,620
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   705,507 1,876 SH   SOLE   0 0 1,876
WALMART INC COM 931142103   75,864,512 514,510 SH   SOLE   0 0 514,510
AKAMAI TECHNOLOGIES INC COM 00971T101   619,353 7,910 SH   SOLE   0 0 7,910
EXXON MOBIL CORP COM 30231G102   588,655 5,368 SH   SOLE   0 0 5,368
GENERAL DYNAMICS CORP COM 369550108   328,394 1,439 SH   SOLE   0 0 1,439
ISHARES TR CORE US AGGBD ET 464287226   1,525,079 15,306 SH   SOLE   0 0 15,306
ISHARES TR EAFE VALUE ETF 464288877   2,284,550 47,075 SH   SOLE   0 0 47,075
ISHARES TR TIPS BD ETF 464287176   249,509 2,263 SH   SOLE   0 0 2,263
LOWES COS INC COM 548661107   252,162 1,261 SH   SOLE   0 0 1,261
SPDR SER TR BLOOMBERG SHT TE 78468R408   260,000 10,467 SH   SOLE   0 0 10,467
UNITED PARCEL SERVICE INC CL B 911312106   210,795 1,087 SH   SOLE   0 0 1,087
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,237,515 71,674 SH   SOLE   0 0 71,674
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,082,431 51,545 SH   SOLE   0 0 51,545
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   217,286 911 SH   SOLE   0 0 911
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,046,995 13,688 SH   SOLE   0 0 13,688
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,415,903 32,723 SH   SOLE   0 0 32,723
ISHARES TR GLOBAL TECH ETF 464287291   820,999 15,103 SH   SOLE   0 0 15,103
LKQ CORP COM 501889208   343,135 6,045 SH   SOLE   0 0 6,045
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   460,679 1,385 SH   SOLE   0 0 1,385
ISHARES TR 7-10 YR TRSY BD 464287440   1,704,740 17,199 SH   SOLE   0 0 17,199
INDEXIQ ACTIVE ETF TR IQ MACKAY INTRME 45409F827   1,883,274 76,587 SH   SOLE   0 0 76,587
VALERO ENERGY CORP COM 91913Y100   208,697 1,495 SH   SOLE   0 0 1,495
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   499,757 9,659 SH   SOLE   0 0 9,659
NETAPP INC COM 64110D104   407,724 6,386 SH   SOLE   0 0 6,386
SELECTIVE INS GROUP INC COM 816300107   303,878 3,188 SH   SOLE   0 0 3,188
UNITEDHEALTH GROUP INC COM 91324P102   344,518 729 SH   SOLE   0 0 729
SCHWAB CHARLES CORP COM 808513105   255,248 4,873 SH   SOLE   0 0 4,873
ISHARES TR SHRT NAT MUN ETF 464288158   1,110,341 10,607 SH   SOLE   0 0 10,607
JPMORGAN CHASE & CO COM 46625H100   799,061 6,132 SH   SOLE   0 0 6,132
NORTHROP GRUMMAN CORP COM 666807102   599,774 1,299 SH   SOLE   0 0 1,299
ORACLE CORP COM 68389X105   326,893 3,518 SH   SOLE   0 0 3,518
SPDR SER TR S&P DIVID ETF 78464A763   272,162 2,200 SH   SOLE   0 0 2,200
TJX COS INC NEW COM 872540109   207,262 2,645 SH   SOLE   0 0 2,645
ISHARES TR MSCI EAFE ETF 464287465   1,494,410 20,895 SH   SOLE   0 0 20,895
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   593,065 17,714 SH   SOLE   0 0 17,714
ISHARES TR DOW JONES US ETF 464287846   517,962 5,176 SH   SOLE   0 0 5,176
BRISTOL-MYERS SQUIBB CO COM 110122108   315,915 4,558 SH   SOLE   0 0 4,558
ACUITY BRANDS INC COM 00508Y102   275,740 1,509 SH   SOLE   0 0 1,509
ISHARES TR CORE S&P500 ETF 464287200   1,504,849 3,661 SH   SOLE   0 0 3,661
ISHARES TR RUSSELL 2000 ETF 464287655   728,050 4,081 SH   SOLE   0 0 4,081
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,031,388 2,519 SH   SOLE   0 0 2,519
TARGET CORP COM 87612E106   679,911 4,105 SH   SOLE   0 0 4,105
ABBVIE INC COM 00287Y109   245,589 1,541 SH   SOLE   0 0 1,541
ISHARES TR NATIONAL MUN ETF 464288414   1,104,335 10,250 SH   SOLE   0 0 10,250
ISHARES TR BROAD USD HIGH 46435U853   572,782 16,112 SH   SOLE   0 0 16,112
ISHARES TR MBS ETF 464288588   689,824 7,282 SH   SOLE   0 0 7,282
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   317,751 3,961 SH   SOLE   0 0 3,961
ISHARES TR 1 3 YR TREAS BD 464287457   1,016,319 12,370 SH   SOLE   0 0 12,370
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   233,189 3,197 SH   SOLE   0 0 3,197
KLA CORP COM NEW 482480100   262,654 658 SH   SOLE   0 0 658
SPDR SER TR S&P 600 SMCP VAL 78464A300   247,585 3,250 SH   SOLE   0 0 3,250
AMN HEALTHCARE SVCS INC COM 001744101   226,813 2,734 SH   SOLE   0 0 2,734
BLOCK INC CL A 852234103   242,609 3,534 SH   SOLE   0 0 3,534
ISHARES TR CORE S&P US VLU 464287663   965,116 13,081 SH   SOLE   0 0 13,081
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   379,515 6,483 SH   SOLE   0 0 6,483
BIOGEN INC COM 09062X103   250,227 900 SH   SOLE   0 0 900
SPDR SER TR S&P INS ETF 78464A789   259,776 6,600 SH   SOLE   0 0 6,600
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200   243,996 5,035 SH   SOLE   0 0 5,035