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   427,188 4,563 SH   SOLE   4,563 0 0
ABBOTT LABS COM 002824100   220,792 2,280 SH   SOLE   2,280 0 0
ABBVIE INC COM 00287Y109   1,267,904 8,506 SH   SOLE   8,506 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   223,576 728 SH   SOLE   728 0 0
ADOBE INC COM 00724F101   259,539 509 SH   SOLE   509 0 0
ALPHABET INC CAP STK CL A 02079K305   576,026 4,402 SH   SOLE   4,402 0 0
ALPHABET INC CAP STK CL C 02079K107   508,941 3,860 SH   SOLE   3,860 0 0
AMAZON COM INC COM 023135106   565,557 4,449 SH   SOLE   4,449 0 0
AMERICAN EQTY INVT LIFE HLD COM 025676206   303,066 5,650 SH   SOLE   5,650 0 0
AMGEN INC COM 031162100   794,186 2,955 SH   SOLE   2,955 0 0
APPLE INC COM 037833100   18,608,400 108,688 SH   SOLE   108,688 0 0
ARROW ELECTRS INC COM 042735100   249,603 1,993 SH   SOLE   1,993 0 0
ASBURY AUTOMOTIVE GROUP INC COM 043436104   226,619 985 SH   SOLE   985 0 0
AT&T INC COM 00206R102   233,139 15,522 SH   SOLE   15,522 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   302,890 1,259 SH   SOLE   1,259 0 0
AVNET INC COM 053807103   254,636 5,284 SH   SOLE   5,284 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   528,953 1,510 SH   SOLE   1,510 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   205,810 3,546 SH   SOLE   3,546 0 0
BROADCOM INC COM 11135F101   715,129 861 SH   SOLE   861 0 0
CATERPILLAR INC COM 149123101   704,613 2,581 SH   SOLE   2,581 0 0
CHEVRON CORP NEW COM 166764100   797,067 4,727 SH   SOLE   4,727 0 0
CISCO SYS INC COM 17275R102   907,738 16,885 SH   SOLE   16,885 0 0
COCA COLA CO COM 191216100   364,966 6,520 SH   SOLE   6,520 0 0
COLGATE PALMOLIVE CO COM 194162103   246,254 3,463 SH   SOLE   3,463 0 0
COMCAST CORP NEW CL A 20030N101   409,347 9,232 SH   SOLE   9,232 0 0
COMMERCIAL METALS CO COM 201723103   227,335 4,601 SH   SOLE   4,601 0 0
COSTCO WHSL CORP NEW COM 22160K105   840,096 1,487 SH   SOLE   1,487 0 0
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   316,800 4,237 SH   SOLE   4,237 0 0
DISNEY WALT CO COM 254687106   426,057 5,257 SH   SOLE   5,257 0 0
ELI LILLY & CO COM 532457108   592,992 1,104 SH   SOLE   1,104 0 0
EMERSON ELEC CO COM 291011104   261,801 2,711 SH   SOLE   2,711 0 0
EXXON MOBIL CORP COM 30231G102   1,241,410 10,558 SH   SOLE   10,558 0 0
GENWORTH FINL INC COM CL A 37247D106   152,530 26,029 SH   SOLE   26,029 0 0
GILEAD SCIENCES INC COM 375558103   374,026 4,991 SH   SOLE   4,991 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376   2,001,363 87,167 SH   SOLE   87,167 0 0
GROUP 1 AUTOMOTIVE INC COM 398905109   388,017 1,444 SH   SOLE   1,444 0 0
HOME DEPOT INC COM 437076102   1,145,489 3,791 SH   SOLE   3,791 0 0
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843   2,023,392 88,551 SH   SOLE   88,551 0 0
INTEL CORP COM 458140100   235,004 6,611 SH   SOLE   6,611 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   315,254 2,247 SH   SOLE   2,247 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   577,776 24,069 SH   SOLE   24,069 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   597,215 24,233 SH   SOLE   24,233 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   201,919 9,511 SH   SOLE   9,511 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   542,750 23,716 SH   SOLE   23,716 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   523,988 22,792 SH   SOLE   22,792 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 MUNI 46138J544   611,852 24,435 SH   SOLE   24,435 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   599,330 18,835 SH   SOLE   18,835 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   438,105 3,092 SH   SOLE   3,092 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   5,326,453 14,867 SH   SOLE   14,867 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   218,944 3,200 SH   SOLE   3,200 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   395,670 2,919 SH   SOLE   2,919 0 0
ISHARES TR NATIONAL MUN ETF 464288414   2,560,079 24,967 SH   SOLE   24,967 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   16,652,120 94,218 SH   SOLE   94,218 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   34,693,226 130,431 SH   SOLE   130,431 0 0
ISHARES TR CORE S&P SCP ETF 464287804   301,014 3,191 SH   SOLE   3,191 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   3,869,733 101,969 SH   SOLE   101,969 0 0
ISHARES TR S&P 100 ETF 464287101   466,889 2,327 SH   SOLE   2,327 0 0
ISHARES TR SELECT DIVID ETF 464287168   1,668,314 15,499 SH   SOLE   15,499 0 0
ISHARES TR SHORT TREAS BD 464288679   8,961,035 81,117 SH   SOLE   81,117 0 0
ISHARES TR CORE S&P MCP ETF 464287507   300,467 1,205 SH   SOLE   1,205 0 0
ISHARES TR MSCI EAFE ETF 464287465   24,612,067 357,111 SH   SOLE   357,111 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   29,902,696 196,962 SH   SOLE   196,962 0 0
ISHARES TR MSCI USA QLT FCT 46432F339   565,774 4,293 SH   SOLE   4,293 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,063,391 4,805 SH   SOLE   4,805 0 0
JABIL INC COM 466313103   347,552 2,739 SH   SOLE   2,739 0 0
JOHNSON & JOHNSON COM 478160104   1,008,949 6,478 SH   SOLE   6,478 0 0
JPMORGAN CHASE & CO COM 46625H100   1,770,404 12,208 SH   SOLE   12,208 0 0
LAZARD LTD SHS A G54050102   1,512,110 48,762 SH   SOLE   48,762 0 0
LOCKHEED MARTIN CORP COM 539830109   555,777 1,359 SH   SOLE   1,359 0 0
LOWES COS INC COM 548661107   501,736 2,414 SH   SOLE   2,414 0 0
MARSH & MCLENNAN COS INC COM 571748102   992,415 5,215 SH   SOLE   5,215 0 0
MASTERCARD INCORPORATED CL A 57636Q104   519,830 1,313 SH   SOLE   1,313 0 0
MCDONALDS CORP COM 580135101   425,009 1,613 SH   SOLE   1,613 0 0
MERCK & CO INC COM 58933Y105   781,823 7,594 SH   SOLE   7,594 0 0
META PLATFORMS INC CL A 30303M102   318,523 1,061 SH   SOLE   1,061 0 0
MICROSOFT CORP COM 594918104   2,113,716 6,694 SH   SOLE   6,694 0 0
NIKE INC CL B 654106103   211,416 2,211 SH   SOLE   2,211 0 0
NVIDIA CORPORATION COM 67066G104   627,454 1,442 SH   SOLE   1,442 0 0
ORACLE CORP COM 68389X105   335,131 3,164 SH   SOLE   3,164 0 0
PEPSICO INC COM 713448108   691,430 4,081 SH   SOLE   4,081 0 0
PFIZER INC COM 717081103   372,288 11,224 SH   SOLE   11,224 0 0
PIMCO ETF TR MUNI INCOME OPP 72201R635   3,226,597 75,177 SH   SOLE   75,177 0 0
PROCTER AND GAMBLE CO COM 742718109   972,287 6,666 SH   SOLE   6,666 0 0
QUALCOMM INC COM 747525103   456,790 4,113 SH   SOLE   4,113 0 0
REINSURANCE GRP OF AMERICA I COM NEW 759351604   223,447 1,539 SH   SOLE   1,539 0 0
RELIANCE STEEL & ALUMINUM CO COM 759509102   356,895 1,361 SH   SOLE   1,361 0 0
SANMINA CORPORATION COM 801056102   217,554 4,008 SH   SOLE   4,008 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   404,786 8,120 SH   SOLE   8,120 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   797,947 23,497 SH   SOLE   23,497 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,544,844 37,297 SH   SOLE   37,297 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,150,600 17,001 SH   SOLE   17,001 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,880,975 116,225 SH   SOLE   116,225 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,354,036 33,268 SH   SOLE   33,268 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   290,484 1,772 SH   SOLE   1,772 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,508,208 7,488 SH   SOLE   7,488 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   8,373,972 19,589 SH   SOLE   19,589 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,813,319 3,971 SH   SOLE   3,971 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300   365,140 5,045 SH   SOLE   5,045 0 0
SPDR SER TR PORTFOLIO S&P600 78468R853   3,393,095 91,954 SH   SOLE   91,954 0 0
SPDR SER TR BBG CONV SEC ETF 78464A359   8,436,191 124,428 SH   SOLE   124,428 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   6,897,518 75,120 SH   SOLE   75,120 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   4,368,876 94,503 SH   SOLE   94,503 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805   306,174 5,833 SH   SOLE   5,833 0 0
SUNCOKE ENERGY INC COM 86722A103   146,028 14,387 SH   SOLE   14,387 0 0
TESLA INC COM 88160R101   203,179 812 SH   SOLE   812 0 0
TEXAS INSTRS INC COM 882508104   1,193,145 7,504 SH   SOLE   7,504 0 0
THE CIGNA GROUP COM 125523100   513,782 1,796 SH   SOLE   1,796 0 0
UNITED PARCEL SERVICE INC CL B 911312106   272,461 1,748 SH   SOLE   1,748 0 0
UNITED STATES STL CORP NEW COM 912909108   294,983 9,082 SH   SOLE   9,082 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,755,085 3,481 SH   SOLE   3,481 0 0
UNUM GROUP COM 91529Y106   315,160 6,407 SH   SOLE   6,407 0 0
US BANCORP DEL COM NEW 902973304   326,765 9,884 SH   SOLE   9,884 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   268,554 3,849 SH   SOLE   3,849 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   266,101 3,517 SH   SOLE   3,517 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   606,662 2,913 SH   SOLE   2,913 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,096,335 19,414 SH   SOLE   19,414 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,833,688 9,415 SH   SOLE   9,415 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,178,596 3,001 SH   SOLE   3,001 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   933,534 7,128 SH   SOLE   7,128 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,433,189 6,747 SH   SOLE   6,747 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,107,235 16,434 SH   SOLE   16,434 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   788,669 20,114 SH   SOLE   20,114 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   362,387 1,900 SH   SOLE   1,900 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   15,575,016 207,252 SH   SOLE   207,252 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   330,590 2,128 SH   SOLE   2,128 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,217,176 119,332 SH   SOLE   119,332 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   350,026 10,800 SH   SOLE   10,800 0 0
VISA INC COM CL A 92826C839   766,163 3,331 SH   SOLE   3,331 0 0
WALMART INC COM 931142103   353,613 2,211 SH   SOLE   2,211 0 0