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
Estimated average burden
hours per response: 23.8
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   454,609 4,542 SH   SOLE   4,542 0 0
ABBOTT LABS COM 002824100   253,116 2,322 SH   SOLE   2,322 0 0
ABBVIE INC COM 00287Y109   1,018,828 7,562 SH   SOLE   7,562 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   224,646 728 SH   SOLE   728 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   248,896 509 SH   SOLE   509 0 0
ALPHABET INC CAP STK CL C 02079K107   466,944 3,860 SH   SOLE   3,860 0 0
ALPHABET INC CAP STK CL A 02079K305   548,448 4,582 SH   SOLE   4,582 0 0
AMAZON COM INC COM 023135106   577,364 4,429 SH   SOLE   4,429 0 0
AMERICAN EQTY INVT LIFE HLD COM 025676206   265,709 5,099 SH   SOLE   5,099 0 0
AMGEN INC COM 031162100   431,829 1,945 SH   SOLE   1,945 0 0
APPLE INC COM 037833100   20,948,090 107,997 SH   SOLE   107,997 0 0
ARROW ELECTRS INC COM 042735100   242,775 1,695 SH   SOLE   1,695 0 0
ASBURY AUTOMOTIVE GROUP INC COM 043436104   207,242 862 SH   SOLE   862 0 0
AT&T INC COM 00206R102   261,643 16,404 SH   SOLE   16,404 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   276,716 1,259 SH   SOLE   1,259 0 0
AVNET INC COM 053807103   237,569 4,709 SH   SOLE   4,709 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   527,868 1,548 SH   SOLE   1,548 0 0
BROADCOM INC COM 11135F101   762,471 879 SH   SOLE   879 0 0
CATERPILLAR INC COM 149123101   521,134 2,118 SH   SOLE   2,118 0 0
CHEVRON CORP NEW COM 166764100   613,508 3,899 SH   SOLE   3,899 0 0
CISCO SYS INC COM 17275R102   895,050 17,299 SH   SOLE   17,299 0 0
COCA COLA CO COM 191216100   376,636 6,254 SH   SOLE   6,254 0 0
COMCAST CORP NEW CL A 20030N101   397,260 9,561 SH   SOLE   9,561 0 0
COMMERCIAL METALS CO COM 201723103   242,289 4,601 SH   SOLE   4,601 0 0
COSTCO WHSL CORP NEW COM 22160K105   815,646 1,515 SH   SOLE   1,515 0 0
DICKS SPORTING GOODS INC COM 253393102   244,552 1,850 SH   SOLE   1,850 0 0
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   330,629 4,295 SH   SOLE   4,295 0 0
DISNEY WALT CO COM 254687106   203,355 2,278 SH   SOLE   2,278 0 0
EMERSON ELEC CO COM 291011104   246,584 2,728 SH   SOLE   2,728 0 0
EXXON MOBIL CORP COM 30231G102   990,990 9,240 SH   SOLE   9,240 0 0
GENWORTH FINL INC COM CL A 37247D106   105,285 21,057 SH   SOLE   21,057 0 0
GILEAD SCIENCES INC COM 375558103   408,548 5,301 SH   SOLE   5,301 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376   1,916,991 85,848 SH   SOLE   85,848 0 0
GROUP 1 AUTOMOTIVE INC COM 398905109   342,757 1,328 SH   SOLE   1,328 0 0
HOME DEPOT INC COM 437076102   1,182,917 3,808 SH   SOLE   3,808 0 0
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843   2,206,743 91,150 SH   SOLE   91,150 0 0
INTEL CORP COM 458140100   217,712 6,511 SH   SOLE   6,511 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   301,608 2,254 SH   SOLE   2,254 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 MUNI 46138J544   619,426 24,698 SH   SOLE   24,698 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   605,552 24,447 SH   SOLE   24,447 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   541,576 23,036 SH   SOLE   23,036 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   219,215 10,355 SH   SOLE   10,355 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   581,186 23,868 SH   SOLE   23,868 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   562,789 23,847 SH   SOLE   23,847 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   475,257 3,176 SH   SOLE   3,176 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   616,470 3,767 SH   SOLE   3,767 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   5,297,469 14,340 SH   SOLE   14,340 0 0
ISHARES TR NATIONAL MUN ETF 464288414   2,718,372 25,470 SH   SOLE   25,470 0 0
ISHARES TR S&P 100 ETF 464287101   505,848 2,443 SH   SOLE   2,443 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   225,536 3,200 SH   SOLE   3,200 0 0
ISHARES TR CORE S&P SCP ETF 464287804   320,422 3,215 SH   SOLE   3,215 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   4,114,210 103,999 SH   SOLE   103,999 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   35,754,087 129,930 SH   SOLE   129,930 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   410,995 2,919 SH   SOLE   2,919 0 0
ISHARES TR CORE S&P MCP ETF 464287507   315,083 1,205 SH   SOLE   1,205 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   30,752,743 194,847 SH   SOLE   194,847 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   17,508,233 93,492 SH   SOLE   93,492 0 0
ISHARES TR MSCI EAFE ETF 464287465   25,782,171 355,616 SH   SOLE   355,616 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,129,297 4,777 SH   SOLE   4,777 0 0
ISHARES TR SHORT TREAS BD 464288679   8,839,121 80,028 SH   SOLE   80,028 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   588,708 4,365 SH   SOLE   4,365 0 0
ISHARES TR SELECT DIVID ETF 464287168   1,708,614 15,080 SH   SOLE   15,080 0 0
JABIL INC COM 466313103   254,283 2,356 SH   SOLE   2,356 0 0
JOHNSON & JOHNSON COM 478160104   1,085,811 6,560 SH   SOLE   6,560 0 0
JPMORGAN CHASE & CO COM 46625H100   1,542,246 10,604 SH   SOLE   10,604 0 0
LAZARD LTD SHS A G54050102   1,560,384 48,762 SH   SOLE   48,762 0 0
LILLY ELI & CO COM 532457108   396,757 846 SH   SOLE   846 0 0
LOCKHEED MARTIN CORP COM 539830109   606,320 1,317 SH   SOLE   1,317 0 0
LOWES COS INC COM 548661107   398,823 1,767 SH   SOLE   1,767 0 0
MARSH & MCLENNAN COS INC COM 571748102   984,411 5,234 SH   SOLE   5,234 0 0
MASTERCARD INCORPORATED CL A 57636Q104   250,139 636 SH   SOLE   636 0 0
MCDONALDS CORP COM 580135101   468,296 1,569 SH   SOLE   1,569 0 0
MERCK & CO INC COM 58933Y105   893,130 7,740 SH   SOLE   7,740 0 0
META PLATFORMS INC CL A 30303M102   304,486 1,061 SH   SOLE   1,061 0 0
MICROSOFT CORP COM 594918104   2,046,738 6,010 SH   SOLE   6,010 0 0
NIKE INC CL B 654106103   244,028 2,211 SH   SOLE   2,211 0 0
NVIDIA CORPORATION COM 67066G104   725,672 1,715 SH   SOLE   1,715 0 0
ORACLE CORP COM 68389X105   376,801 3,164 SH   SOLE   3,164 0 0
PEPSICO INC COM 713448108   626,649 3,383 SH   SOLE   3,383 0 0
PFIZER INC COM 717081103   496,817 13,545 SH   SOLE   13,545 0 0
PIMCO ETF TR MUNI INCOME OPP 72201R635   3,475,937 77,997 SH   SOLE   77,997 0 0
PROCTER AND GAMBLE CO COM 742718109   1,055,184 6,954 SH   SOLE   6,954 0 0
QUALCOMM INC COM 747525103   344,859 2,897 SH   SOLE   2,897 0 0
RELIANCE STEEL & ALUMINUM CO COM 759509102   357,684 1,317 SH   SOLE   1,317 0 0
SANMINA CORPORATION COM 801056102   241,562 4,008 SH   SOLE   4,008 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,075,215 116,006 SH   SOLE   116,006 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   463,495 8,965 SH   SOLE   8,965 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,664,814 38,009 SH   SOLE   38,009 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,490,419 34,294 SH   SOLE   34,294 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,183,828 16,667 SH   SOLE   16,667 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   838,048 23,508 SH   SOLE   23,508 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   308,080 1,772 SH   SOLE   1,772 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,586,993 7,524 SH   SOLE   7,524 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   8,687,309 19,598 SH   SOLE   19,598 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,696,669 3,543 SH   SOLE   3,543 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   312,105 5,733 SH   SOLE   5,733 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300   425,874 5,517 SH   SOLE   5,517 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   7,242,578 78,878 SH   SOLE   78,878 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   8,584,616 122,725 SH   SOLE   122,725 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   2,948,647 75,918 SH   SOLE   75,918 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   4,890,991 103,953 SH   SOLE   103,953 0 0
SUNCOKE ENERGY INC COM 86722A103   96,132 12,215 SH   SOLE   12,215 0 0
TESLA INC COM 88160R101   212,295 811 SH   SOLE   811 0 0
TEXAS INSTRS INC COM 882508104   1,361,597 7,564 SH   SOLE   7,564 0 0
THE CIGNA GROUP COM 125523100   503,958 1,796 SH   SOLE   1,796 0 0
UNITED PARCEL SERVICE INC CL B 911312106   304,546 1,699 SH   SOLE   1,699 0 0
UNITED STATES STL CORP NEW COM 912909108   201,180 8,044 SH   SOLE   8,044 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,537,087 3,198 SH   SOLE   3,198 0 0
UNUM GROUP COM 91529Y106   269,791 5,656 SH   SOLE   5,656 0 0
US BANCORP DEL COM NEW 902973304   335,323 10,149 SH   SOLE   10,149 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   269,294 3,705 SH   SOLE   3,705 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,307,189 19,995 SH   SOLE   19,995 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   288,785 3,456 SH   SOLE   3,456 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,497,304 6,797 SH   SOLE   6,797 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,272,579 16,454 SH   SOLE   16,454 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,067,279 7,713 SH   SOLE   7,713 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   650,255 2,954 SH   SOLE   2,954 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,956,863 9,510 SH   SOLE   9,510 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,265,433 3,107 SH   SOLE   3,107 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   805,300 19,796 SH   SOLE   19,796 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   375,155 1,900 SH   SOLE   1,900 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   15,225,415 201,235 SH   SOLE   201,235 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   365,629 2,251 SH   SOLE   2,251 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,053,781 109,437 SH   SOLE   109,437 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   397,264 10,682 SH   SOLE   10,682 0 0
VISA INC COM CL A 92826C839   806,957 3,398 SH   SOLE   3,398 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108   224,188 7,869 SH   SOLE   7,869 0 0
WALMART INC COM 931142103   356,492 2,268 SH   SOLE   2,268 0 0