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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   939,821 8,317 SH   SOLE   0 0 8,317
ISHARES TR EAFE SML CP ETF 464288273   1,571,918 32,225 SH   SOLE   0 0 32,225
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   4,491,885 89,551 SH   SOLE   0 0 89,551
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,300,728 45,740 SH   SOLE   0 0 45,740
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,413,883 14,124 SH   SOLE   0 0 14,124
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,934,635 16,352 SH   SOLE   0 0 16,352
SPDR SER TR PORTFOLIO S&P400 78464A847   512,679 13,296 SH   SOLE   0 0 13,296
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   731,405 10,961 SH   SOLE   0 0 10,961
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307   1,706,622 57,250 SH   SOLE   0 0 57,250
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,517,265 21,067 SH   SOLE   0 0 21,067
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   564,248 18,585 SH   SOLE   0 0 18,585
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,202,735 9,931 SH   SOLE   0 0 9,931
HEALTHEQUITY INC COM 42226A107   299,041 4,452 SH   SOLE   0 0 4,452
INVESCO DB MULTI-SECTOR COMM OIL FD 46140H403   2,634,856 173,557 SH   SOLE   0 0 173,557
SPDR GOLD TR GOLD SHS 78463V107   2,983,430 19,289 SH   SOLE   0 0 19,289
SPDR SER TR PORTFLI INTRMDIT 78464A672   2,552,913 90,754 SH   SOLE   0 0 90,754
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,475,289 20,839 SH   SOLE   0 0 20,839
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,067,309 16,292 SH   SOLE   0 0 16,292
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   629,014 7,846 SH   SOLE   0 0 7,846
VANGUARD INDEX FDS SM CP VAL ETF 922908611   509,269 3,551 SH   SOLE   0 0 3,551
VANGUARD INDEX FDS VALUE ETF 922908744   2,546,281 20,621 SH   SOLE   0 0 20,621
ISHARES TR 20 YR TR BD ETF 464287432   691,704 6,752 SH   SOLE   0 0 6,752
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   667,475 11,447 SH   SOLE   0 0 11,447
INVESCO QQQ TR UNIT SER 1 46090E103   237,594 889 SH   SOLE   0 0 889
ISHARES TR CORE S&P SCP ETF 464287804   296,010 3,395 SH   SOLE   0 0 3,395
META PLATFORMS INC CL A 30303M102   482,207 3,554 SH   SOLE   0 0 3,554
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   263,260 1,948 SH   SOLE   0 0 1,948
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   208,840 2,521 SH   SOLE   0 0 2,521
INVESCO DB US DLR INDEX TR BULLISH FD 46141D203   244,758 8,118 SH   SOLE   0 0 8,118
ISHARES GOLD TR ISHARES NEW 464285204   251,042 7,962 SH   SOLE   0 0 7,962
ISHARES TR SHRT NAT MUN ETF 464288158   834,831 8,132 SH   SOLE   0 0 8,132
ISHARES TR TIPS BD ETF 464287176   360,973 3,441 SH   SOLE   0 0 3,441
SPDR SER TR PORTFOLIO AGRGTE 78464A649   492,343 19,733 SH   SOLE   0 0 19,733
SPDR SER TR PORTFOLIO S&P500 78464A854   854,939 20,361 SH   SOLE   0 0 20,361
SPDR SER TR PORTFOLIO S&P600 78468R853   505,652 14,846 SH   SOLE   0 0 14,846
SPDR SER TR S&P REGL BKG 78464A698   229,043 3,890 SH   SOLE   0 0 3,890
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   715,264 8,684 SH   SOLE   0 0 8,684
VANGUARD INDEX FDS MID CAP ETF 922908629   1,836,270 9,768 SH   SOLE   0 0 9,768
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   484,526 3,979 SH   SOLE   0 0 3,979
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   506,232 6,766 SH   SOLE   0 0 6,766
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,795,844 24,177 SH   SOLE   0 0 24,177
ISHARES TR AGENCY BOND ETF 464288166   661,595 6,212 SH   SOLE   0 0 6,212
ISHARES TR IBOXX HI YD ETF 464288513   378,515 5,302 SH   SOLE   0 0 5,302
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   675,083 26,166 SH   SOLE   0 0 26,166
SPDR SER TR PORTFOLIO LN TSR 78464A664   424,152 14,310 SH   SOLE   0 0 14,310
SPDR SER TR PRTFLO S&P500 VL 78464A508   422,123 12,239 SH   SOLE   0 0 12,239
SPDR SER TR PORTFOLIO SHORT 78464A474   413,007 14,134 SH   SOLE   0 0 14,134
ALPHABET INC CAP STK CL A 02079K305   933,544 9,760 SH   SOLE   0 0 9,760
APPLE INC COM 037833100   2,867,941 20,752 SH   SOLE   0 0 20,752
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   832,301 3,117 SH   SOLE   0 0 3,117
CONOCOPHILLIPS COM 20825C104   383,059 3,743 SH   SOLE   0 0 3,743
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   237,121 9,205 SH   SOLE   0 0 9,205
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   791,112 7,923 SH   SOLE   0 0 7,923
MICROSOFT CORP COM 594918104   521,009 2,237 SH   SOLE   0 0 2,237
NVIDIA CORPORATION COM 67066G104   475,849 3,920 SH   SOLE   0 0 3,920
QUALCOMM INC COM 747525103   347,075 3,072 SH   SOLE   0 0 3,072
TESLA INC COM 88160R101   317,504 1,197 SH   SOLE   0 0 1,197
CIGNA CORP NEW COM 125523100   437,017 1,575 SH   SOLE   0 0 1,575
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   395,602 1,205 SH   SOLE   0 0 1,205
VISA INC COM CL A 92826C839   231,300 1,302 SH   SOLE   0 0 1,302
WALMART INC COM 931142103   69,542,933 536,183 SH   SOLE   0 0 536,183
BIOGEN INC COM 09062X103   249,645 935 SH   SOLE   0 0 935
ISHARES TR CORE US AGGBD ET 464287226   1,371,344 14,234 SH   SOLE   0 0 14,234
ISHARES TR MBS ETF 464288588   241,039 2,632 SH   SOLE   0 0 2,632
ISHARES TR EAFE VALUE ETF 464288877   1,624,438 42,160 SH   SOLE   0 0 42,160
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,018,180 55,505 SH   SOLE   0 0 55,505
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,493,931 40,941 SH   SOLE   0 0 40,941
VANGUARD WORLD FDS INF TECH ETF 92204A702   211,241 687 SH   SOLE   0 0 687
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   336,543 4,447 SH   SOLE   0 0 4,447
EXXON MOBIL CORP COM 30231G102   302,529 3,465 SH   SOLE   0 0 3,465
LKQ CORP COM 501889208   395,123 8,380 SH   SOLE   0 0 8,380
ISHARES TR 7-10 YR TRSY BD 464287440   263,560 2,746 SH   SOLE   0 0 2,746
TYSON FOODS INC CL A 902494103   233,800 3,546 SH   SOLE   0 0 3,546
ISHARES TR FLTG RATE NT ETF 46429B655   332,988 6,624 SH   SOLE   0 0 6,624
INDEXIQ ACTIVE ETF TR IQ MACKAY INTRME 45409F827   1,333,978 57,032 SH   SOLE   0 0 57,032
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   374,924 7,509 SH   SOLE   0 0 7,509
NETAPP INC COM 64110D104   387,840 6,271 SH   SOLE   0 0 6,271
SELECTIVE INS GROUP INC COM 816300107   259,393 3,187 SH   SOLE   0 0 3,187
UNITEDHEALTH GROUP INC COM 91324P102   381,305 755 SH   SOLE   0 0 755
SCHWAB CHARLES CORP COM 808513105   244,574 3,403 SH   SOLE   0 0 3,403
JPMORGAN CHASE & CO COM 46625H100   624,074 5,972 SH   SOLE   0 0 5,972
NORTHROP GRUMMAN CORP COM 666807102   610,946 1,299 SH   SOLE   0 0 1,299
ORACLE CORP COM 68389X105   220,951 3,618 SH   SOLE   0 0 3,618
SPDR SER TR S&P DIVID ETF 78464A763   245,300 2,200 SH   SOLE   0 0 2,200
ISHARES TR MSCI EAFE ETF 464287465   1,147,701 20,491 SH   SOLE   0 0 20,491
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   521,906 17,626 SH   SOLE   0 0 17,626
ISHARES TR DOW JONES US ETF 464287846   453,935 5,176 SH   SOLE   0 0 5,176
JOHNSON & JOHNSON COM 478160104   243,179 1,489 SH   SOLE   0 0 1,489
WELLS FARGO CO NEW COM 949746101   216,987 5,395 SH   SOLE   0 0 5,395
ISHARES TR GLOBAL TECH ETF 464287291   767,592 18,198 SH   SOLE   0 0 18,198
BRISTOL-MYERS SQUIBB CO COM 110122108   316,777 4,456 SH   SOLE   0 0 4,456
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   853,847 11,970 SH   SOLE   0 0 11,970
TARGET CORP COM 87612E106   646,535 4,357 SH   SOLE   0 0 4,357
ACUITY BRANDS INC COM 00508Y102   229,749 1,459 SH   SOLE   0 0 1,459
ISHARES TR CORE S&P500 ETF 464287200   1,516,752 4,229 SH   SOLE   0 0 4,229
ISHARES TR NATIONAL MUN ETF 464288414   2,206,393 21,509 SH   SOLE   0 0 21,509
ISHARES TR RUSSELL 2000 ETF 464287655   744,944 4,517 SH   SOLE   0 0 4,517
SPDR S&P 500 ETF TR TR UNIT 78462F103   951,645 2,664 SH   SOLE   0 0 2,664
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   212,345 3,197 SH   SOLE   0 0 3,197
SPDR SER TR S&P 600 SMCP VAL 78464A300   218,205 3,250 SH   SOLE   0 0 3,250
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   262,880 915 SH   SOLE   0 0 915
AMN HEALTHCARE SVCS INC COM 001744101   310,781 2,933 SH   SOLE   0 0 2,933
ISHARES TR CORE S&P US VLU 464287663   856,567 13,681 SH   SOLE   0 0 13,681
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   291,088 5,037 SH   SOLE   0 0 5,037
ISHARES TR 1 3 YR TREAS BD 464287457   230,636 2,840 SH   SOLE   0 0 2,840
TOPBUILD CORP COM 89055F103   367,459 2,230 SH   SOLE   0 0 2,230
PROSHARES TR ULTRAPRO QQQ 74347X831   289,800 15,000 SH   SOLE   0 0 15,000
SPDR SER TR S&P INS ETF 78464A789   238,722 6,600 SH   SOLE   0 0 6,600
VANGUARD BD INDEX FDS INTERMED TERM 921937819   207,140 2,819 SH   SOLE   0 0 2,819
MURPHY USA INC COM 626755102   266,663 970 SH   SOLE   0 0 970