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   211,362 2,193 SH   SOLE   0 0 2,193
ABBVIE INC COM 00287Y109   1,852,190 11,301 SH   SOLE   0 0 11,301
ADOBE INC COM 00724F101   1,149,540 1,824 SH   SOLE   0 0 1,824
AIR LEASE CORP CL A 00912X302   493,394 11,445 SH   SOLE   0 0 11,445
ALPHABET INC CAP STK CL C 02079K107   1,385,044 8,945 SH   SOLE   0 0 8,945
AMAZON COM INC COM 023135106   1,311,528 8,133 SH   SOLE   0 0 8,133
AMEREN CORP COM 023608102   294,584 4,221 SH   SOLE   0 0 4,221
APPLE INC COM 037833100   2,435,451 12,703 SH   SOLE   0 0 12,703
AT&T INC COM 00206R102   269,734 15,637 SH   SOLE   0 0 15,637
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,016,194 2,652 SH   SOLE   0 0 2,652
BLACKSTONE MTG TR INC COM CL A 09257W100   256,222 11,985 SH   SOLE   0 0 11,985
BOEING CO COM 097023105   991,581 4,833 SH   SOLE   0 0 4,833
BOOKING HOLDINGS INC COM 09857L108   1,311,382 369 SH   SOLE   0 0 369
CARETRUST REIT INC COM 14174T107   262,991 12,221 SH   SOLE   0 0 12,221
CENTENE CORP DEL COM 15135B101   1,063,798 14,364 SH   SOLE   0 0 14,364
CISCO SYS INC COM 17275R102   299,047 5,719 SH   SOLE   0 0 5,719
CLOUDFLARE INC CL A COM 18915M107   1,055,057 12,516 SH   SOLE   0 0 12,516
CME GROUP INC COM 12572Q105   227,102 1,109 SH   SOLE   0 0 1,109
CNA FINL CORP COM 126117100   248,913 5,643 SH   SOLE   0 0 5,643
CONCENTRIX CORP COM 20602D101   421,815 4,575 SH   SOLE   0 0 4,575
CONOCOPHILLIPS COM 20825C104   420,349 3,767 SH   SOLE   0 0 3,767
COSTCO WHSL CORP NEW COM 22160K105   1,158,303 1,669 SH   SOLE   0 0 1,669
CVS HEALTH CORP COM 126650100   233,593 3,179 SH   SOLE   0 0 3,179
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   207,159 6,940 SH   SOLE   0 0 6,940
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,113,001 20,831 SH   SOLE   0 0 20,831
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   395,732 6,670 SH   SOLE   0 0 6,670
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   394,960 7,591 SH   SOLE   0 0 7,591
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   804,769 21,375 SH   SOLE   0 0 21,375
DOW INC COM 260557103   286,247 5,294 SH   SOLE   0 0 5,294
ELEVANCE HEALTH INC COM 036752103   352,248 724 SH   SOLE   0 0 724
EMERSON ELEC CO COM 291011104   281,420 2,962 SH   SOLE   0 0 2,962
EPAM SYS INC COM 29414B104   957,344 3,298 SH   SOLE   0 0 3,298
EXXON MOBIL CORP COM 30231G102   257,690 2,499 SH   SOLE   0 0 2,499
FEDERATED HERMES INC CL B 314211103   247,526 6,951 SH   SOLE   0 0 6,951
FEDEX CORP COM 31428X106   953,056 3,843 SH   SOLE   0 0 3,843
FIDELITY NATL INFORMATION SV COM 31620M106   276,670 4,357 SH   SOLE   0 0 4,357
FIRSTCASH HOLDINGS INC COM 33768G107   543,951 4,668 SH   SOLE   0 0 4,668
HOME DEPOT INC COM 437076102   1,325,339 3,726 SH   SOLE   0 0 3,726
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107   532,704 5,896 SH   SOLE   0 0 5,896
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,070,239 8,350 SH   SOLE   0 0 8,350
INTERNATIONAL BUSINESS MACHS COM 459200101   446,947 2,389 SH   SOLE   0 0 2,389
ISHARES TR 0-3 MNTH TREASRY 46436E718   6,955,579 69,086 SH   SOLE   0 0 69,086
ISHARES TR CORE S&P500 ETF 464287200   2,320,249 4,700 SH   SOLE   0 0 4,700
ISHARES TR FLTG RATE NT ETF 46429B655   7,823,774 153,573 SH   SOLE   0 0 153,573
ISHARES TR SHRT NAT MUN ETF 464288158   873,828 8,319 SH   SOLE   0 0 8,319
JEFFERIES FINL GROUP INC COM 47233W109   1,029,833 25,124 SH   SOLE   0 0 25,124
JOHNSON & JOHNSON COM 478160104   322,226 2,022 SH   SOLE   0 0 2,022
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   11,469,819 227,306 SH   SOLE   0 0 227,306
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   11,202,161 220,667 SH   SOLE   0 0 220,667
KINDER MORGAN INC DEL COM 49456B101   232,411 13,380 SH   SOLE   0 0 13,380
LAM RESEARCH CORP COM 512807108   1,172,702 1,387 SH   SOLE   0 0 1,387
LOCKHEED MARTIN CORP COM 539830109   1,034,287 2,417 SH   SOLE   0 0 2,417
LSB INDS INC COM 502160104   249,900 30,000 SH   SOLE   0 0 30,000
MASTERCARD INCORPORATED CL A 57636Q104   321,624 730 SH   SOLE   0 0 730
MERCK & CO INC COM 58933Y105   443,589 3,658 SH   SOLE   0 0 3,658
MICROSOFT CORP COM 594918104   1,905,403 4,651 SH   SOLE   0 0 4,651
MONSTER BEVERAGE CORP NEW COM 61174X109   213,577 3,842 SH   SOLE   0 0 3,842
NRG ENERGY INC COM NEW 629377508   321,939 5,913 SH   SOLE   0 0 5,913
NVIDIA CORPORATION COM 67066G104   1,461,057 2,339 SH   SOLE   0 0 2,339
OLD REP INTL CORP COM 680223104   265,448 9,471 SH   SOLE   0 0 9,471
OMNICOM GROUP INC COM 681919106   274,540 3,006 SH   SOLE   0 0 3,006
ONEOK INC NEW COM 682680103   393,504 5,650 SH   SOLE   0 0 5,650
PFIZER INC COM 717081103   236,703 8,614 SH   SOLE   0 0 8,614
PGIM ETF TR PGIM ULTRA SH BD 69344A107   11,970,547 241,002 SH   SOLE   0 0 241,002
PROGRESSIVE CORP COM 743315103   1,063,236 5,982 SH   SOLE   0 0 5,982
PRUDENTIAL FINL INC COM 744320102   309,014 2,927 SH   SOLE   0 0 2,927
PURE STORAGE INC CL A 74624M102   569,964 13,744 SH   SOLE   0 0 13,744
SCHWAB CHARLES CORP COM 808513105   892,475 13,958 SH   SOLE   0 0 13,958
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   7,408,639 152,661 SH   SOLE   0 0 152,661
SOUTHERN CO COM 842587107   253,614 3,666 SH   SOLE   0 0 3,666
SPARTANNASH CO COM 847215100   243,307 10,906 SH   SOLE   0 0 10,906
SPDR SER TR BLOOMBERG INVT 78468R200   8,274,636 268,919 SH   SOLE   0 0 268,919
SPDR SER TR NUVEEN BLMBRG SH 78468R739   2,638,818 55,449 SH   SOLE   0 0 55,449
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   778,828 22,961 SH   SOLE   0 0 22,961
SPDR SER TR PORTFOLIO S&P500 78464A854   2,202,840 38,132 SH   SOLE   0 0 38,132
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,225,663 32,411 SH   SOLE   0 0 32,411
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,155,531 45,814 SH   SOLE   0 0 45,814
SPDR SER TR PORTFOLIO S&P600 78468R853   966,927 23,149 SH   SOLE   0 0 23,149
SPIRE INC COM 84857L101   235,619 4,026 SH   SOLE   0 0 4,026
T-MOBILE US INC COM 872590104   973,974 5,972 SH   SOLE   0 0 5,972
THE CIGNA GROUP COM 125523100   972,556 3,254 SH   SOLE   0 0 3,254
TITAN MACHY INC COM 88830R101   462,563 16,699 SH   SOLE   0 0 16,699
TJX COS INC NEW COM 872540109   200,148 2,076 SH   SOLE   0 0 2,076
TRAVEL PLUS LEISURE CO COM 894164102   245,384 5,920 SH   SOLE   0 0 5,920
UNITED RENTALS INC COM 911363109   1,326,228 2,048 SH   SOLE   0 0 2,048
UNITED THERAPEUTICS CORP DEL COM 91307C102   473,298 2,182 SH   SOLE   0 0 2,182
UNITEDHEALTH GROUP INC COM 91324P102   1,152,874 2,285 SH   SOLE   0 0 2,285
UNUM GROUP COM 91529Y106   261,849 5,573 SH   SOLE   0 0 5,573
US BANCORP DEL COM NEW 902973304   325,606 7,582 SH   SOLE   0 0 7,582
VALERO ENERGY CORP COM 91913Y100   1,420,462 10,265 SH   SOLE   0 0 10,265
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387   311,856 14,092 SH   SOLE   0 0 14,092
VANECK ETF TRUST VANECK SHRT MUNI 92189F528   712,068 41,739 SH   SOLE   0 0 41,739
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   12,005,532 251,636 SH   SOLE   0 0 251,636
VANGUARD INDEX FDS GROWTH ETF 922908736   37,142,059 113,703 SH   SOLE   0 0 113,703
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   33,964,996 299,727 SH   SOLE   0 0 299,727
VANGUARD INDEX FDS MID CAP ETF 922908629   832,243 3,578 SH   SOLE   0 0 3,578
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   33,153,814 73,432 SH   SOLE   0 0 73,432
VANGUARD INDEX FDS SMALL CP ETF 922908751   15,476,379 72,642 SH   SOLE   0 0 72,642
VERIZON COMMUNICATIONS INC COM 92343V104   293,385 6,978 SH   SOLE   0 0 6,978
VERTEX PHARMACEUTICALS INC COM 92532F100   1,032,022 2,368 SH   SOLE   0 0 2,368
VISA INC COM CL A 92826C839   340,981 1,246 SH   SOLE   0 0 1,246
WASTE MGMT INC DEL COM 94106L109   1,468,158 7,921 SH   SOLE   0 0 7,921
WENDYS CO COM 95058W100   233,208 12,021 SH   SOLE   0 0 12,021
ARES CAPITAL CORP COM 04010L103   1,258,746 61,343 SH   SOLE   0 0 61,343
BARINGS BDC INC COM 06759L103   93,300 10,264 SH   SOLE   0 0 10,264
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   74,944 13,011 SH   SOLE   0 0 13,011