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   221,213 2,219 SH   SOLE   0 0 2,219
ABBVIE INC COM 00287Y109   1,914,937 11,396 SH   SOLE   0 0 11,396
ADOBE INC COM 00724F101   1,367,505 2,416 SH   SOLE   0 0 2,416
AIR LEASE CORP CL A 00912X302   574,802 12,063 SH   SOLE   0 0 12,063
ALPHABET INC CAP STK CL C 02079K107   1,582,557 8,310 SH   SOLE   0 0 8,310
AMAZON COM INC COM 023135106   1,568,806 7,870 SH   SOLE   0 0 7,870
AMEREN CORP COM 023608102   301,211 4,221 SH   SOLE   0 0 4,221
APPLE INC COM 037833100   3,144,465 13,751 SH   SOLE   0 0 13,751
AT&T INC COM 00206R102   290,888 15,473 SH   SOLE   0 0 15,473
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,162,593 2,832 SH   SOLE   0 0 2,832
BLACKSTONE MTG TR INC COM CL A 09257W100   224,338 12,361 SH   SOLE   0 0 12,361
BOOKING HOLDINGS INC COM 09857L108   1,527,353 384 SH   SOLE   0 0 384
CARETRUST REIT INC COM 14174T107   307,245 11,946 SH   SOLE   0 0 11,946
CENTENE CORP DEL COM 15135B101   1,142,759 17,383 SH   SOLE   0 0 17,383
CISCO SYS INC COM 17275R102   259,183 5,659 SH   SOLE   0 0 5,659
CLOUDFLARE INC CL A COM 18915M107   1,265,993 15,331 SH   SOLE   0 0 15,331
CME GROUP INC COM 12572Q105   213,693 1,098 SH   SOLE   0 0 1,098
CNA FINL CORP COM 126117100   253,506 5,574 SH   SOLE   0 0 5,574
CONOCOPHILLIPS COM 20825C104   416,469 3,746 SH   SOLE   0 0 3,746
COSTCO WHSL CORP NEW COM 22160K105   1,416,300 1,597 SH   SOLE   0 0 1,597
DOW INC COM 260557103   272,136 5,276 SH   SOLE   0 0 5,276
ELEVANCE HEALTH INC COM 036752103   403,811 763 SH   SOLE   0 0 763
EMERSON ELEC CO COM 291011104   326,798 2,982 SH   SOLE   0 0 2,982
EPAM SYS INC COM 29414B104   932,488 5,107 SH   SOLE   0 0 5,107
EXXON MOBIL CORP COM 30231G102   272,878 2,460 SH   SOLE   0 0 2,460
FEDERATED HERMES INC CL B 314211103   223,858 6,922 SH   SOLE   0 0 6,922
FEDEX CORP COM 31428X106   1,278,206 4,367 SH   SOLE   0 0 4,367
FIDELITY NATL INFORMATION SV COM 31620M106   309,182 4,194 SH   SOLE   0 0 4,194
FIRSTCASH HOLDINGS INC COM 33768G107   513,308 5,028 SH   SOLE   0 0 5,028
ALPHABET INC CAP STK CL A 02079K305   216,383 1,145 SH   SOLE   0 0 1,145
HOME DEPOT INC COM 437076102   1,400,609 4,155 SH   SOLE   0 0 4,155
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107   605,960 4,838 SH   SOLE   0 0 4,838
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,264,262 8,875 SH   SOLE   0 0 8,875
INTERNATIONAL BUSINESS MACHS COM 459200101   416,193 2,359 SH   SOLE   0 0 2,359
JEFFERIES FINL GROUP INC COM 47233W109   1,382,466 26,844 SH   SOLE   0 0 26,844
JOHNSON & JOHNSON COM 478160104   291,895 1,985 SH   SOLE   0 0 1,985
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   10,809,594 214,690 SH   SOLE   0 0 214,690
KINDER MORGAN INC DEL COM 49456B101   243,759 12,194 SH   SOLE   0 0 12,194
KKR & CO INC COM 48251W104   228,581 2,165 SH   SOLE   0 0 2,165
LAM RESEARCH CORP COM 512807108   1,452,435 1,306 SH   SOLE   0 0 1,306
LAUREATE EDUCATION INC COMMON STOCK 518613203   241,489 16,563 SH   SOLE   0 0 16,563
LOCKHEED MARTIN CORP COM 539830109   1,239,819 2,694 SH   SOLE   0 0 2,694
LSB INDS INC COM 502160104   224,700 30,000 SH   SOLE   0 0 30,000
MASTERCARD INCORPORATED CL A 57636Q104   329,523 741 SH   SOLE   0 0 741
MERCK & CO INC COM 58933Y105   511,289 4,057 SH   SOLE   0 0 4,057
MICROSOFT CORP COM 594918104   2,167,421 4,717 SH   SOLE   0 0 4,717
NOBLE CORP PLC ORD SHS A G65431127   462,210 10,650 SH   SOLE   0 0 10,650
NRG ENERGY INC COM NEW 629377508   448,022 5,653 SH   SOLE   0 0 5,653
NVIDIA CORPORATION COM 67066G104   2,039,281 15,522 SH   SOLE   0 0 15,522
OLD REP INTL CORP COM 680223104   280,147 9,336 SH   SOLE   0 0 9,336
OMNICOM GROUP INC COM 681919106   268,606 2,968 SH   SOLE   0 0 2,968
ONEOK INC NEW COM 682680103   458,233 5,560 SH   SOLE   0 0 5,560
PFIZER INC COM 717081103   232,062 8,372 SH   SOLE   0 0 8,372
PGIM ETF TR PGIM ULTRA SH BD 69344A107   11,102,280 224,040 SH   SOLE   0 0 224,040
PROGRESSIVE CORP COM 743315103   1,148,488 5,483 SH   SOLE   0 0 5,483
PRUDENTIAL FINL INC COM 744320102   341,040 2,875 SH   SOLE   0 0 2,875
PURE STORAGE INC CL A 74624M102   645,361 9,796 SH   SOLE   0 0 9,796
SCHLUMBERGER LTD COM STK 806857108   984,366 21,778 SH   SOLE   0 0 21,778
SCHWAB CHARLES CORP COM 808513105   1,151,116 15,445 SH   SOLE   0 0 15,445
SOUTHERN CO COM 842587107   282,050 3,611 SH   SOLE   0 0 3,611
SPARTANNASH CO COM 847215100   211,252 11,743 SH   SOLE   0 0 11,743
SPDR SER TR BLOOMBERG INVT 78468R200   8,598,299 279,620 SH   SOLE   0 0 279,620
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   934,335 26,253 SH   SOLE   0 0 26,253
SPDR SER TR PORTFOLI S&P1500 78464A805   207,870 3,075 SH   SOLE   0 0 3,075
SPIRE INC COM 84857L101   242,797 4,101 SH   SOLE   0 0 4,101
T-MOBILE US INC COM 872590104   1,106,529 6,180 SH   SOLE   0 0 6,180
THE CIGNA GROUP COM 125523100   1,094,458 3,333 SH   SOLE   0 0 3,333
TITAN MACHY INC COM 88830R101   437,040 29,136 SH   SOLE   0 0 29,136
TJX COS INC NEW COM 872540109   242,693 2,164 SH   SOLE   0 0 2,164
TRAVEL PLUS LEISURE CO COM 894164102   250,159 5,776 SH   SOLE   0 0 5,776
UNITED RENTALS INC COM 911363109   1,312,856 2,093 SH   SOLE   0 0 2,093
UNITED THERAPEUTICS CORP DEL COM 91307C102   639,493 1,982 SH   SOLE   0 0 1,982
UNITEDHEALTH GROUP INC COM 91324P102   1,321,808 2,686 SH   SOLE   0 0 2,686
UNUM GROUP COM 91529Y106   275,449 5,441 SH   SOLE   0 0 5,441
US BANCORP DEL COM NEW 902973304   305,486 7,663 SH   SOLE   0 0 7,663
VALERO ENERGY CORP COM 91913Y100   1,479,815 10,115 SH   SOLE   0 0 10,115
VERIZON COMMUNICATIONS INC COM 92343V104   279,892 6,778 SH   SOLE   0 0 6,778
VERTEX PHARMACEUTICALS INC COM 92532F100   1,157,143 2,381 SH   SOLE   0 0 2,381
VISA INC COM CL A 92826C839   389,136 1,466 SH   SOLE   0 0 1,466
WASTE MGMT INC DEL COM 94106L109   1,670,500 7,954 SH   SOLE   0 0 7,954
ARES CAPITAL CORP COM 04010L103   1,396,076 66,291 SH   SOLE   0 0 66,291
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   225,759 6,940 SH   SOLE   0 0 6,940
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   1,250,277 20,831 SH   SOLE   0 0 20,831
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   395,398 6,670 SH   SOLE   0 0 6,670
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   387,217 7,591 SH   SOLE   0 0 7,591
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   833,625 21,375 SH   SOLE   0 0 21,375
ISHARES TR 0-3 MNTH TREASRY 46436E718   6,237,035 62,116 SH   SOLE   0 0 62,116
ISHARES TR CORE S&P500 ETF 464287200   2,597,907 4,648 SH   SOLE   0 0 4,648
ISHARES TR FLTG RATE NT ETF 46429B655   8,234,825 161,721 SH   SOLE   0 0 161,721
ISHARES TR SHRT NAT MUN ETF 464288158   1,832,774 17,505 SH   SOLE   0 0 17,505
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   13,084,867 258,186 SH   SOLE   0 0 258,186
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   7,287,659 151,511 SH   SOLE   0 0 151,511
SPDR SER TR NUVEEN BLMBRG SH 78468R739   3,228,618 68,345 SH   SOLE   0 0 68,345
SPDR SER TR PORTFOLIO S&P500 78464A854   2,759,150 42,209 SH   SOLE   0 0 42,209
SPDR SER TR PRTFLO S&P500 GW 78464A409   2,971,096 35,706 SH   SOLE   0 0 35,706
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,549,231 52,346 SH   SOLE   0 0 52,346
SPDR SER TR PORTFOLIO S&P600 78468R853   1,088,501 26,536 SH   SOLE   0 0 26,536
VANECK ETF TRUST VANECK SHRT MUNI 92189F528   564,536 33,130 SH   SOLE   0 0 33,130
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   13,069,913 260,929 SH   SOLE   0 0 260,929
VANGUARD INDEX FDS GROWTH ETF 922908736   43,577,189 112,217 SH   SOLE   0 0 112,217
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   36,302,517 305,500 SH   SOLE   0 0 305,500
VANGUARD INDEX FDS MID CAP ETF 922908629   802,879 3,324 SH   SOLE   0 0 3,324
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   37,653,825 73,703 SH   SOLE   0 0 73,703
VANGUARD INDEX FDS SMALL CP ETF 922908751   16,029,968 74,182 SH   SOLE   0 0 74,182