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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
AMAZON COM INC COM 023135106   1,199,662 368 SH   SOLE   0 0 368
CISCO SYS INC COM 17275R102   304,408 5,459 SH   SOLE   0 0 5,459
ISHARES TR CORE US AGGBD ET 464287226   2,609,698 24,367 SH   SOLE   0 0 24,367
ISHARES TR EAFE SML CP ETF 464288273   1,098,611 16,560 SH   SOLE   0 0 16,560
ISHARES TR NATIONAL MUN ETF 464288414   4,458,867 40,668 SH   SOLE   0 0 40,668
ISHARES TR SHRT NAT MUN ETF 464288158   2,551,508 24,393 SH   SOLE   0 0 24,393
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   524,517 6,096 SH   SOLE   0 0 6,096
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,317,432 20,315 SH   SOLE   0 0 20,315
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,956,845 12,987 SH   SOLE   0 0 12,987
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   201,840 1,091 SH   SOLE   0 0 1,091
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,241,408 16,358 SH   SOLE   0 0 16,358
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,226,155 16,041 SH   SOLE   0 0 16,041
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   921,095 24,037 SH   SOLE   0 0 24,037
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,523,593 11,122 SH   SOLE   0 0 11,122
HEALTHEQUITY INC COM 42226A107   300,243 4,452 SH   SOLE   0 0 4,452
INVESCO DB MULTI-SECTOR COMM OIL FD 46140H403   2,935,290 169,474 SH   SOLE   0 0 169,474
ISHARES TR 20 YR TR BD ETF 464287432   1,738,204 13,160 SH   SOLE   0 0 13,160
SPDR GOLD TR GOLD SHS 78463V107   3,347,445 18,530 SH   SOLE   0 0 18,530
SPDR SER TR PORTFLI INTRMDIT 78464A672   3,442,504 113,651 SH   SOLE   0 0 113,651
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   4,039,499 25,417 SH   SOLE   0 0 25,417
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   2,608,200 21,726 SH   SOLE   0 0 21,726
VANGUARD INDEX FDS SM CP VAL ETF 922908611   740,548 4,209 SH   SOLE   0 0 4,209
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   809,004 12,860 SH   SOLE   0 0 12,860
ISHARES TR IBOXX HI YD ETF 464288513   736,908 8,955 SH   SOLE   0 0 8,955
META PLATFORMS INC CL A 30303M102   738,235 3,320 SH   SOLE   0 0 3,320
SPDR SER TR PORTFOLIO LN TSR 78464A664   937,088 24,778 SH   SOLE   0 0 24,778
SPDR SER TR PORTFOLIO S&P500 78464A854   1,365,257 25,697 SH   SOLE   0 0 25,697
SPDR SER TR PORTFOLIO S&P600 78468R853   1,117,818 26,570 SH   SOLE   0 0 26,570
SPDR SER TR PORTFOLIO SHORT 78464A474   682,628 22,656 SH   SOLE   0 0 22,656
TESLA INC COM 88160R101   408,410 379 SH   SOLE   0 0 379
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   292,002 11,205 SH   SOLE   0 0 11,205
ISHARES TR BARCLAYS 7 10 YR 464287440   217,789 2,027 SH   SOLE   0 0 2,027
ISHARES TR AGENCY BOND ETF 464288166   612,723 5,456 SH   SOLE   0 0 5,456
ISHARES GOLD TR ISHARES NEW 464285204   247,534 6,721 SH   SOLE   0 0 6,721
ISHARES TR TIPS BD ETF 464287176   689,610 5,536 SH   SOLE   0 0 5,536
ISHARES TR BLACKROCK ULTRA 46434V878   203,147 4,051 SH   SOLE   0 0 4,051
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837   2,452,234 48,781 SH   SOLE   0 0 48,781
SPDR SER TR PORTFOLIO AGRGTE 78464A649   1,071,500 38,557 SH   SOLE   0 0 38,557
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   1,177,209 34,341 SH   SOLE   0 0 34,341
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   361,323 9,351 SH   SOLE   0 0 9,351
SPDR SER TR PORTFOLIO S&P400 78464A847   623,242 13,215 SH   SOLE   0 0 13,215
SPDR SER TR S&P REGL BKG 78464A698   316,886 4,599 SH   SOLE   0 0 4,599
VANGUARD INDEX FDS MID CAP ETF 922908629   2,376,363 9,991 SH   SOLE   0 0 9,991
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   604,820 4,041 SH   SOLE   0 0 4,041
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,249,785 16,004 SH   SOLE   0 0 16,004
ISHARES TR EAFE VALUE ETF 464288877   670,013 13,331 SH   SOLE   0 0 13,331
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   201,727 4,487 SH   SOLE   0 0 4,487
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858   2,471,934 51,466 SH   SOLE   0 0 51,466
ALPHABET INC CAP STK CL A 02079K305   1,240,482 446 SH   SOLE   0 0 446
APPLE INC COM 037833100   3,842,746 22,008 SH   SOLE   0 0 22,008
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,111,314 3,149 SH   SOLE   0 0 3,149
CONOCOPHILLIPS COM 20825C104   273,200 2,732 SH   SOLE   0 0 2,732
EBAY INC. COM 278642103   448,921 7,840 SH   SOLE   0 0 7,840
INTEL CORP COM 458140100   487,982 9,846 SH   SOLE   0 0 9,846
MICROSOFT CORP COM 594918104   794,279 2,576 SH   SOLE   0 0 2,576
NVIDIA CORPORATION COM 67066G104   977,941 3,584 SH   SOLE   0 0 3,584
QUALCOMM INC COM 747525103   517,754 3,388 SH   SOLE   0 0 3,388
CIGNA CORP NEW COM 125523100   292,087 1,219 SH   SOLE   0 0 1,219
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   223,777 539 SH   SOLE   0 0 539
VISA INC COM CL A 92826C839   333,784 1,505 SH   SOLE   0 0 1,505
WALMART INC COM 931142103   78,308,546 525,843 SH   SOLE   0 0 525,843
BIOGEN INC COM 09062X103   204,493 971 SH   SOLE   0 0 971
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115   377,014 2,705 SH   SOLE   0 0 2,705
ISHARES TR MBS ETF 464288588   383,352 3,763 SH   SOLE   0 0 3,763
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   285,201 1,759 SH   SOLE   0 0 1,759
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   927,790 20,113 SH   SOLE   0 0 20,113
TYSON FOODS INC CL A 902494103   345,885 3,859 SH   SOLE   0 0 3,859
VANGUARD INDEX FDS VALUE ETF 922908744   342,850 2,320 SH   SOLE   0 0 2,320
ISHARES TR FLTG RATE NT ETF 46429B655   397,491 7,868 SH   SOLE   0 0 7,868
COLUMBIA ETF TR II EM CORE EX ETF 19762B202   528,901 17,290 SH   SOLE   0 0 17,290
TEXAS INSTRS INC COM 882508104   225,132 1,227 SH   SOLE   0 0 1,227
UNITEDHEALTH GROUP INC COM 91324P102   400,326 785 SH   SOLE   0 0 785
SCHWAB CHARLES CORP COM 808513105   286,907 3,403 SH   SOLE   0 0 3,403
JPMORGAN CHASE & CO COM 46625H100   640,977 4,702 SH   SOLE   0 0 4,702
KOHLS CORP COM 500255104   344,622 5,700 SH   SOLE   0 0 5,700
NORTHROP GRUMMAN CORP COM 666807102   580,939 1,299 SH   SOLE   0 0 1,299
ORACLE CORP COM 68389X105   315,863 3,818 SH   SOLE   0 0 3,818
SPDR SER TR S&P DIVID ETF 78464A763   281,842 2,200 SH   SOLE   0 0 2,200
ISHARES TR MSCI EAFE ETF 464287465   808,938 10,991 SH   SOLE   0 0 10,991
ISHARES TR DOW JONES US ETF 464287846   576,399 5,176 SH   SOLE   0 0 5,176
JOHNSON & JOHNSON COM 478160104   259,396 1,464 SH   SOLE   0 0 1,464
MORGAN STANLEY COM NEW 617446448   257,306 2,944 SH   SOLE   0 0 2,944
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   395,846 4,977 SH   SOLE   0 0 4,977
ISHARES TR GLOBAL TECH ETF 464287291   1,068,892 18,426 SH   SOLE   0 0 18,426
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   595,869 10,381 SH   SOLE   0 0 10,381
BRISTOL-MYERS SQUIBB CO COM 110122108   241,729 3,310 SH   SOLE   0 0 3,310
FORD MTR CO DEL COM 345370860   214,402 12,679 SH   SOLE   0 0 12,679
TARGET CORP COM 87612E106   831,266 3,917 SH   SOLE   0 0 3,917
THE REAL BROKERAGE INC COM NEW 75585H206   24,530 10,806 SH   SOLE   0 0 10,806
ACUITY BRANDS INC COM 00508Y102   285,654 1,509 SH   SOLE   0 0 1,509
ISHARES TR CORE S&P500 ETF 464287200   1,957,245 4,314 SH   SOLE   0 0 4,314
ISHARES TR RUSSELL 2000 ETF 464287655   990,428 4,825 SH   SOLE   0 0 4,825
MASTEC INC COM 576323109   221,670 2,545 SH   SOLE   0 0 2,545
SELECTIVE INS GROUP INC COM 816300107   322,468 3,609 SH   SOLE   0 0 3,609
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,093,075 2,420 SH   SOLE   0 0 2,420
TRAVELERS COMPANIES INC COM 89417E109   237,100 1,298 SH   SOLE   0 0 1,298
ABBVIE INC COM 00287Y109   230,257 1,420 SH   SOLE   0 0 1,420
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   562,911 9,499 SH   SOLE   0 0 9,499
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   300,053 3,837 SH   SOLE   0 0 3,837
NETAPP INC COM 64110D104   560,885 6,758 SH   SOLE   0 0 6,758
INVESCO QQQ TR UNIT SER 1 46090E103   329,186 908 SH   SOLE   0 0 908
KLA CORP COM NEW 482480100   246,358 673 SH   SOLE   0 0 673
TOPBUILD CORP COM 89055F103   495,013 2,729 SH   SOLE   0 0 2,729
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   341,730 985 SH   SOLE   0 0 985
SPDR SER TR S&P 600 SMCP VAL 78464A300   270,823 3,250 SH   SOLE   0 0 3,250
AMN HEALTHCARE SVCS INC COM 001744101   328,952 3,153 SH   SOLE   0 0 3,153
LKQ CORP COM 501889208   320,050 7,048 SH   SOLE   0 0 7,048
ISHARES TR CORE S&P US VLU 464287663   777,668 10,250 SH   SOLE   0 0 10,250
ISHARES TR RUS 2000 GRW ETF 464287648   259,586 1,015 SH   SOLE   0 0 1,015
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   218,946 2,100 SH   SOLE   0 0 2,100
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   218,577 981 SH   SOLE   0 0 981
SPDR SER TR S&P INS ETF 78464A789   277,398 6,600 SH   SOLE   0 0 6,600