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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AES CORP COM 00130H105 326 12,689 SH   SOLE   0 0 12,689
AT&T INC COM 00206R102 355 15,010 SH   SOLE   0 0 15,010
ABBOTT LABS COM 002824100 612 5,174 SH   SOLE   0 0 5,173
ABBVIE INC COM 00287Y109 1,742 10,749 SH   SOLE   0 0 10,748
ADOBE SYSTEMS INCORPORATED COM 00724F101 782 1,716 SH   SOLE   0 0 1,716
ALLSTATE CORP COM 020002101 590 4,260 SH   SOLE   0 0 4,260
ALLY FINL INC COM 02005N100 474 10,894 SH   SOLE   0 0 10,894
ALPHABET INC CAP STK CL C 02079K107 2,137 765 SH   SOLE   0 0 765
ALPHABET INC CAP STK CL A 02079K305 1,719 618 SH   SOLE   0 0 618
ALTRIA GROUP INC COM 02209S103 262 5,021 SH   SOLE   0 0 5,020
AMAZON COM INC COM 023135106 3,127 959 SH   SOLE   0 0 959
AMERICAN EXPRESS CO COM 025816109 879 4,702 SH   SOLE   0 0 4,702
AMERICAN TOWER CORP NEW COM 03027X100 710 2,828 SH   SOLE   0 0 2,827
AMGEN INC COM 031162100 474 1,961 SH   SOLE   0 0 1,961
ANNALY CAPITAL MANAGEMENT IN COM 035710409 135 19,187 SH   SOLE   0 0 19,186
APOLLO GLOBAL MGMT INC COM 03769M106 507 8,176 SH   SOLE   0 0 8,175
APPLE INC COM 037833100 20,596 117,955 SH   SOLE   0 0 117,954
AUTONATION INC COM 05329W102 399 4,009 SH   SOLE   0 0 4,008
AUTOZONE INC COM 053332102 374 183 SH   SOLE   0 0 183
BGC PARTNERS INC CL A 05541T101 114 25,932 SH   SOLE   0 0 25,932
BK OF AMERICA CORP COM 060505104 603 14,623 SH   SOLE   0 0 14,622
BANK NEW YORK MELLON CORP COM 064058100 506 10,204 SH   SOLE   0 0 10,203
BECTON DICKINSON & CO COM 075887109 240 904 SH   SOLE   0 0 904
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,093 11,599 SH   SOLE   0 0 11,598
BLACKROCK INC COM 09247X101 330 432 SH   SOLE   0 0 432
BLACKSTONE INC COM 09260D107 873 6,879 SH   SOLE   0 0 6,878
BOEING CO COM 097023105 424 2,213 SH   SOLE   0 0 2,213
BRISTOL-MYERS SQUIBB CO COM 110122108 420 5,745 SH   SOLE   0 0 5,744
BROADCOM INC COM 11135F101 264 419 SH   SOLE   0 0 419
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 412 7,291 SH   SOLE   0 0 7,291
CIGNA CORP NEW COM 125523100 692 2,887 SH   SOLE   0 0 2,886
CSX CORP COM 126408103 313 8,370 SH   SOLE   0 0 8,370
CVS HEALTH CORP COM 126650100 318 3,139 SH   SOLE   0 0 3,139
CAPITAL ONE FINL CORP COM 14040H105 269 2,050 SH   SOLE   0 0 2,050
CARNIVAL CORP COMMON STOCK 143658300 302 14,936 SH   SOLE   0 0 14,936
CARRIER GLOBAL CORPORATION COM 14448C104 639 13,940 SH   SOLE   0 0 13,939
CATERPILLAR INC COM 149123101 376 1,689 SH   SOLE   0 0 1,689
CHEGG INC COM 163092109 266 7,333 SH   SOLE   0 0 7,333
CHEVRON CORP NEW COM 166764100 1,002 6,153 SH   SOLE   0 0 6,152
CISCO SYS INC COM 17275R102 417 7,470 SH   SOLE   0 0 7,469
CITIGROUP INC COM NEW 172967424 607 11,369 SH   SOLE   0 0 11,368
COCA COLA CO COM 191216100 1,322 21,315 SH   SOLE   0 0 21,315
COLUMBIA ETF TR I DIVERSIFID FXD 19761L508 1,113 57,124 SH   SOLE   0 0 57,124
COMCAST CORP NEW CL A 20030N101 578 12,350 SH   SOLE   0 0 12,349
CONAGRA BRANDS INC COM 205887102 400 11,914 SH   SOLE   0 0 11,913
CONOCOPHILLIPS COM 20825C104 1,028 10,277 SH   SOLE   0 0 10,276
CORNING INC COM 219350105 226 6,120 SH   SOLE   0 0 6,119
COSTCO WHSL CORP NEW COM 22160K105 738 1,282 SH   SOLE   0 0 1,281
COSTAR GROUP INC COM 22160N109 418 6,272 SH   SOLE   0 0 6,272
DANAHER CORPORATION COM 235851102 544 1,854 SH   SOLE   0 0 1,854
DEERE & CO COM 244199105 377 907 SH   SOLE   0 0 907
DIGITAL WORLD ACQUISITION CO CLASS A COM 25400Q105 323 5,000 SH   SOLE   0 0 5,000
DISNEY WALT CO COM 254687106 673 4,910 SH   SOLE   0 0 4,909
ELECTRONIC ARTS INC COM 285512109 726 5,741 SH   SOLE   0 0 5,741
ENTERPRISE PRODS PARTNERS L COM 293792107 351 13,582 SH   SOLE   0 0 13,581
EXXON MOBIL CORP COM 30231G102 1,462 17,707 SH   SOLE   0 0 17,707
META PLATFORMS INC CL A 30303M102 1,570 7,059 SH   SOLE   0 0 7,059
FACTSET RESH SYS INC COM 303075105 613 1,411 SH   SOLE   0 0 1,411
FEDEX CORP COM 31428X106 655 2,832 SH   SOLE   0 0 2,832
FOCUS FINL PARTNERS INC COM CL A 34417P100 503 11,000 SH   SOLE   0 0 11,000
GENERAL DYNAMICS CORP COM 369550108 312 1,295 SH   SOLE   0 0 1,295
GENERAL ELECTRIC CO COM NEW 369604301 229 2,500 SH   SOLE   0 0 2,500
GILEAD SCIENCES INC COM 375558103 526 8,853 SH   SOLE   0 0 8,853
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 274 6,297 SH   SOLE   0 0 6,297
GOLDMAN SACHS GROUP INC COM 38141G104 456 1,380 SH   SOLE   0 0 1,380
HOME DEPOT INC COM 437076102 2,207 7,374 SH   SOLE   0 0 7,374
HONEYWELL INTL INC COM 438516106 378 1,940 SH   SOLE   0 0 1,940
HORMEL FOODS CORP COM 440452100 412 7,991 SH   SOLE   0 0 7,990
HUNTSMAN CORP COM 447011107 330 8,798 SH   SOLE   0 0 8,797
ILLUMINA INC COM 452327109 253 723 SH   SOLE   0 0 723
INGREDION INC COM 457187102 222 2,552 SH   SOLE   0 0 2,552
INTEL CORP COM 458140100 1,131 22,829 SH   SOLE   0 0 22,829
INTERNATIONAL BUSINESS MACHS COM 459200101 580 4,463 SH   SOLE   0 0 4,462
INVESCO QQQ TR UNIT SER 1 46090E103 2,627 7,247 SH   SOLE   0 0 7,246
INTUITIVE SURGICAL INC COM NEW 46120E602 617 2,044 SH   SOLE   0 0 2,044
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,144 7,251 SH   SOLE   0 0 7,250
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 839 12,502 SH   SOLE   0 0 12,502
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 221 16,262 SH   SOLE   0 0 16,262
ISHARES TR CORE S&P TTL STK 464287150 448 4,434 SH   SOLE   0 0 4,434
ISHARES TR SELECT DIVID ETF 464287168 551 4,299 SH   SOLE   0 0 4,298
ISHARES TR CORE S&P500 ETF 464287200 8,766 19,321 SH   SOLE   0 0 19,320
ISHARES TR CORE US AGGBD ET 464287226 252 2,356 SH   SOLE   0 0 2,356
ISHARES TR MSCI EMG MKT ETF 464287234 365 8,084 SH   SOLE   0 0 8,083
ISHARES TR MSCI EAFE ETF 464287465 889 12,074 SH   SOLE   0 0 12,073
ISHARES TR RUS MD CP GR ETF 464287481 451 4,489 SH   SOLE   0 0 4,489
ISHARES TR RUS MID CAP ETF 464287499 391 5,008 SH   SOLE   0 0 5,008
ISHARES TR CORE S&P MCP ETF 464287507 5,133 19,128 SH   SOLE   0 0 19,127
ISHARES TR COHEN STEER REIT 464287564 720 10,133 SH   SOLE   0 0 10,133
ISHARES TR RUS 1000 VAL ETF 464287598 515 3,105 SH   SOLE   0 0 3,104
ISHARES TR RUS 1000 GRW ETF 464287614 768 2,768 SH   SOLE   0 0 2,767
ISHARES TR RUSSELL 2000 ETF 464287655 851 4,145 SH   SOLE   0 0 4,145
ISHARES TR U.S. REAL ES ETF 464287739 469 4,337 SH   SOLE   0 0 4,337
ISHARES TR CORE S&P SCP ETF 464287804 1,085 10,058 SH   SOLE   0 0 10,057
ISHARES TR EUROPE ETF 464287861 308 6,122 SH   SOLE   0 0 6,122
ISHARES TR EAFE SML CP ETF 464288273 441 6,645 SH   SOLE   0 0 6,645
ISHARES TR NATIONAL MUN ETF 464288414 2,033 18,546 SH   SOLE   0 0 18,546
ISHARES TR INTL SEL DIV ETF 464288448 241 7,596 SH   SOLE   0 0 7,595
ISHARES TR PFD AND INCM SEC 464288687 542 14,878 SH   SOLE   0 0 14,878
ISHARES TR EAFE VALUE ETF 464288877 214 4,253 SH   SOLE   0 0 4,253
ISHARES TR EAFE GRWTH ETF 464288885 259 2,687 SH   SOLE   0 0 2,686
ISHARES TR 0-5 YR TIPS ETF 46429B747 11,868 113,097 SH   SOLE   0 0 113,097
ISHARES TR MSCI USA QLT FCT 46432F339 83,726 621,899 SH   SOLE   0 0 621,898
ISHARES TR CORE MSCI EAFE 46432F842 3,431 49,362 SH   SOLE   0 0 49,361
ISHARES INC CORE MSCI EMKT 46434G103 605 10,886 SH   SOLE   0 0 10,885
ISHARES TR MSCI USA SML CP 46434V290 10,649 195,151 SH   SOLE   0 0 195,151
ISHARES TR CORE TOTAL USD 46434V613 1,350 27,203 SH   SOLE   0 0 27,203
JPMORGAN CHASE & CO COM 46625H100 2,637 19,341 SH   SOLE   0 0 19,341
JOHNSON & JOHNSON COM 478160104 1,580 8,913 SH   SOLE   0 0 8,912
LKQ CORP COM 501889208 373 8,221 SH   SOLE   0 0 8,221
LILLY ELI & CO COM 532457108 4,249 14,838 SH   SOLE   0 0 14,838
LOWES COS INC COM 548661107 247 1,224 SH   SOLE   0 0 1,224
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 222 4,534 SH   SOLE   0 0 4,534
MARRIOTT INTL INC NEW CL A 571903202 387 2,202 SH   SOLE   0 0 2,202
MASTERCARD INCORPORATED CL A 57636Q104 332 929 SH   SOLE   0 0 929
MCDONALDS CORP COM 580135101 656 2,653 SH   SOLE   0 0 2,653
MERCK & CO INC COM 58933Y105 1,678 20,452 SH   SOLE   0 0 20,451
MICROSOFT CORP COM 594918104 6,389 20,721 SH   SOLE   0 0 20,721
MICRON TECHNOLOGY INC COM 595112103 238 3,061 SH   SOLE   0 0 3,061
MONROE CAP CORP COM 610335101 168 15,550 SH   SOLE   0 0 15,549
MONSTER BEVERAGE CORP NEW COM 61174X109 352 4,405 SH   SOLE   0 0 4,405
MOODYS CORP COM 615369105 282 837 SH   SOLE   0 0 836
NRG ENERGY INC COM NEW 629377508 278 7,242 SH   SOLE   0 0 7,242
NETFLIX INC COM 64110L106 286 764 SH   SOLE   0 0 764
NEW MTN FIN CORP COM 647551100 153 11,025 SH   SOLE   0 0 11,025
NEXTERA ENERGY INC COM 65339F101 1,591 18,784 SH   SOLE   0 0 18,783
NIKE INC CL B 654106103 205 1,521 SH   SOLE   0 0 1,521
NVIDIA CORPORATION COM 67066G104 1,093 4,006 SH   SOLE   0 0 4,006
ORACLE CORP COM 68389X105 688 8,314 SH   SOLE   0 0 8,314
OTIS WORLDWIDE CORP COM 68902V107 430 5,587 SH   SOLE   0 0 5,586
PVH CORPORATION COM 693656100 380 4,963 SH   SOLE   0 0 4,963
PALO ALTO NETWORKS INC COM 697435105 267 429 SH   SOLE   0 0 429
PAYCHEX INC COM 704326107 224 1,643 SH   SOLE   0 0 1,643
PEPSICO INC COM 713448108 831 4,963 SH   SOLE   0 0 4,962
PFIZER INC COM 717081103 932 18,001 SH   SOLE   0 0 18,001
PROCTER AND GAMBLE CO COM 742718109 2,081 13,617 SH   SOLE   0 0 13,617
QUALCOMM INC COM 747525103 1,004 6,572 SH   SOLE   0 0 6,572
QUEST DIAGNOSTICS INC COM 74834L100 2,278 16,642 SH   SOLE   0 0 16,642
RBB FD INC MOTLEY FOOL GBL 74933W635 217 7,432 SH   SOLE   0 0 7,432
RAYTHEON TECHNOLOGIES CORP COM 75513E101 848 8,559 SH   SOLE   0 0 8,559
REALTY INCOME CORP COM 756109104 318 4,585 SH   SOLE   0 0 4,584
REGULUS THERAPEUTICS INC COM NEW 75915K200 10 34,000 SH   SOLE   0 0 34,000
RELX PLC SPONSORED ADR 759530108 236 7,589 SH   SOLE   0 0 7,589
REPUBLIC SVCS INC COM 760759100 719 5,428 SH   SOLE   0 0 5,428
RESTAURANT BRANDS INTL INC COM 76131D103 507 8,678 SH   SOLE   0 0 8,678
RIO TINTO PLC SPONSORED ADR 767204100 274 3,410 SH   SOLE   0 0 3,410
S&P GLOBAL INC COM 78409V104 521 1,269 SH   SOLE   0 0 1,269
SPDR S&P 500 ETF TR TR UNIT 78462F103 34,613 76,638 SH   SOLE   0 0 76,638
SPDR GOLD TR GOLD SHS 78463V107 441 2,441 SH   SOLE   0 0 2,440
SPDR SER TR PORTFOLIO INTRMD 78464A375 927 27,149 SH   SOLE   0 0 27,148
SPDR SER TR DJ REIT ETF 78464A607 249 2,123 SH   SOLE   0 0 2,123
SPDR SER TR PORTFOLIO AGRGTE 78464A649 7,526 270,804 SH   SOLE   0 0 270,804
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 785 2,262 SH   SOLE   0 0 2,262
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 459 937 SH   SOLE   0 0 936
SPDR SER TR SPDR S&P 500 ETF 78468R796 433 3,903 SH   SOLE   0 0 3,903
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,335 156,114 SH   SOLE   0 0 156,114
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,464 52,714 SH   SOLE   0 0 52,714
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 366 2,669 SH   SOLE   0 0 2,669
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,088 5,882 SH   SOLE   0 0 5,882
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,264 16,537 SH   SOLE   0 0 16,537
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 633 16,507 SH   SOLE   0 0 16,507
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 255 2,481 SH   SOLE   0 0 2,481
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 5,466 34,392 SH   SOLE   0 0 34,392
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 926 13,459 SH   SOLE   0 0 13,458
SEMPRA COM 816851109 341 2,028 SH   SOLE   0 0 2,028
STARBUCKS CORP COM 855244109 720 7,919 SH   SOLE   0 0 7,918
TJX COS INC NEW COM 872540109 455 7,513 SH   SOLE   0 0 7,513
TESLA INC COM 88160R101 517 480 SH   SOLE   0 0 480
THERMO FISHER SCIENTIFIC INC COM 883556102 297 502 SH   SOLE   0 0 502
US BANCORP DEL COM NEW 902973304 295 5,559 SH   SOLE   0 0 5,559
UNION PAC CORP COM 907818108 850 3,111 SH   SOLE   0 0 3,111
UNITED PARCEL SERVICE INC CL B 911312106 1,188 5,541 SH   SOLE   0 0 5,540
UNITEDHEALTH GROUP INC COM 91324P102 1,275 2,500 SH   SOLE   0 0 2,499
VANECK ETF TRUST GOLD MINERS ETF 92189F106 204 5,315 SH   SOLE   0 0 5,315
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 21,182 130,626 SH   SOLE   0 0 130,625
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 1,254 4,550 SH   SOLE   0 0 4,550
VANGUARD WELLINGTON FD US QUALITY 921935706 5,905 50,808 SH   SOLE   0 0 50,808
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 16,446 211,116 SH   SOLE   0 0 211,116
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 363 4,564 SH   SOLE   0 0 4,564
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 236 4,907 SH   SOLE   0 0 4,907
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 872 18,913 SH   SOLE   0 0 18,913
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 24,615 96,765 SH   SOLE   0 0 96,765
VANGUARD WORLD FDS INF TECH ETF 92204A702 285 684 SH   SOLE   0 0 684
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,087 2,618 SH   SOLE   0 0 2,617
VANGUARD INDEX FDS SM CP VAL ETF 922908611 234 1,331 SH   SOLE   0 0 1,331
VANGUARD INDEX FDS MID CAP ETF 922908629 2,650 11,141 SH   SOLE   0 0 11,141
VANGUARD INDEX FDS VALUE ETF 922908744 1,610 10,895 SH   SOLE   0 0 10,895
VANGUARD INDEX FDS TOTAL STK MKT 922908769 10,162 44,634 SH   SOLE   0 0 44,634
VERIZON COMMUNICATIONS INC COM 92343V104 1,504 29,523 SH   SOLE   0 0 29,522
VISA INC COM CL A 92826C839 1,407 6,346 SH   SOLE   0 0 6,345
WALMART INC COM 931142103 721 4,844 SH   SOLE   0 0 4,843
WEBSTER FINL CORP COM 947890109 219 3,894 SH   SOLE   0 0 3,894
WISDOMTREE TR EMG MKTS SMCAP 97717W281 268 5,021 SH   SOLE   0 0 5,021
WISDOMTREE TR US LARGECAP DIVD 97717W307 564 8,588 SH   SOLE   0 0 8,588
WISDOMTREE TR EMER MKT HIGH FD 97717W315 540 12,351 SH   SOLE   0 0 12,350
WISDOMTREE TR US AI ENHANCED 97717W406 202 2,042 SH   SOLE   0 0 2,042
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,156 26,026 SH   SOLE   0 0 26,025
WISDOMTREE TR US SMALLCAP DIVD 97717W604 638 20,030 SH   SOLE   0 0 20,029
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 339 4,600 SH   SOLE   0 0 4,600
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 237 703 SH   SOLE   0 0 703
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 269 4,068 SH   SOLE   0 0 4,068
LINDE PLC SHS G5494J103 393 1,229 SH   SOLE   0 0 1,229
MEDTRONIC PLC SHS G5960L103 1,136 10,242 SH   SOLE   0 0 10,242
WEJO GROUP LIMITED COMMON SHARES G9525W109 241 59,538 SH   SOLE   0 0 59,538