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
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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
ALPHABET INC CAP STK CL C 02079K107   5,370,502 35,720 SH   SOLE 0 0 0 35,720
AMAZON COM INC COM 023135106   5,857,055 37,337 SH   SOLE 0 0 0 37,337
APPLE INC COM 037833100   6,039,058 31,049 SH   SOLE 0 0 0 31,049
BERKLEY W R CORP COM 084423102   4,126,293 53,112 SH   SOLE 0 0 0 53,112
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   5,203,344 13,817 SH   SOLE 0 0 0 13,817
BP PLC SPONSORED ADR 055622104   311,040 9,000 SH   SOLE 0 0 0 9,000
CAPITAL ONE FINL CORP COM 14040H105   4,346,786 33,159 SH   SOLE 0 0 0 33,159
CMS ENERGY CORP COM 125896100   201,817 3,629 SH   SOLE 0 0 0 3,629
COCA COLA CO COM 191216100   288,423 4,896 SH   SOLE 0 0 0 4,896
CSX CORP COM 126408103   376,639 10,952 SH   SOLE 0 0 0 10,952
EXXON MOBIL CORP COM 30231G102   3,628,459 36,430 SH   SOLE 0 0 0 36,430
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   386,347 7,575 SH   SOLE 0 0 0 7,575
FIRST TR EXCHNG TRADED FD VI CBOE VEST FD DEP 33740U703   943,243 41,082 SH   SOLE 0 0 0 41,082
GRANITESHARES GOLD TR SHS BEN INT 38748G101   210,204 10,563 SH   SOLE 0 0 0 10,563
HCA HEALTHCARE INC COM 40412C101   4,029,137 14,445 SH   SOLE 0 0 0 14,445
HUNTINGTON BANCSHARES INC COM 446150104   263,209 20,123 SH   SOLE 0 0 0 20,123
ISHARES INC JP MORGAN EM ETF 464286517   8,111,248 224,875 SH   SOLE 0 0 0 224,875
ISHARES INC CORE MSCI EMKT 46434G103   322,827 6,607 SH   SOLE 0 0 0 6,607
ISHARES TR SP SMCP600VL ETF 464287879   530,446 5,364 SH   SOLE 0 0 0 5,364
ISHARES TR GRWT ALLOCAT ETF 464289867   232,688 4,392 SH   SOLE 0 0 0 4,392
ISHARES TR CORE S&P TTL STK 464287150   342,711 3,208 SH   SOLE 0 0 0 3,208
ISHARES TR NATIONAL MUN ETF 464288414   1,197,661 11,140 SH   SOLE 0 0 0 11,140
ISHARES TR SHRT NAT MUN ETF 464288158   858,897 8,195 SH   SOLE 0 0 0 8,195
ISHARES TR CORE S&P MCP ETF 464287507   3,301,756 12,070 SH   SOLE 0 0 0 12,070
ISHARES TR 0-3 MNTH TREASRY 46436E718   625,353 6,215 SH   SOLE 0 0 0 6,215
ISHARES TR IBOXX HI YD ETF 464288513   609,321 7,903 SH   SOLE 0 0 0 7,903
ISHARES TR CORE US AGGBD ET 464287226   1,419,511 14,523 SH   SOLE 0 0 0 14,523
ISHARES TR AGGRES ALLOC ETF 464289859   312,773 4,529 SH   SOLE 0 0 0 4,529
ISHARES TR IBONDS 24 TRM TS 46436E874   21,491,377 898,093 SH   SOLE 0 0 0 898,093
ISHARES TR CORE S&P500 ETF 464287200   437,038 896 SH   SOLE 0 0 0 896
ISHARES TR MSCI INTL QUALTY 46434V456   37,177,204 1,005,333 SH   SOLE 0 0 0 1,005,333
ISHARES TR 0-5YR HI YL CP 46434V407   16,561,727 391,715 SH   SOLE 0 0 0 391,715
ISHARES TR INTERNATIONAL SL 46434V266   6,148,894 196,388 SH   SOLE 0 0 0 196,388
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   303,169 5,998 SH   SOLE 0 0 0 5,998
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   270,346 5,364 SH   SOLE 0 0 0 5,364
JPMORGAN CHASE & CO COM 46625H100   4,238,318 24,858 SH   SOLE 0 0 0 24,858
LOWES COS INC COM 548661107   3,029,199 14,387 SH   SOLE 0 0 0 14,387
MARRIOTT INTL INC NEW CL A 571903202   203,617 856 SH   SOLE 0 0 0 856
MCDONALDS CORP COM 580135101   634,830 2,113 SH   SOLE 0 0 0 2,113
MERCK & CO INC COM 58933Y105   481,345 4,049 SH   SOLE 0 0 0 4,049
META PLATFORMS INC CL A 30303M102   227,778 583 SH   SOLE 0 0 0 583
MICROSOFT CORP COM 594918104   3,843,811 9,548 SH   SOLE 0 0 0 9,548
NIKE INC CL B 654106103   353,567 3,509 SH   SOLE 0 0 0 3,509
PEPSICO INC COM 713448108   2,960,179 17,875 SH   SOLE 0 0 0 17,875
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,285,212 22,795 SH   SOLE 0 0 0 22,795
PROCTER AND GAMBLE CO COM 742718109   3,281,027 21,569 SH   SOLE 0 0 0 21,569
PROGRESSIVE CORP COM 743315103   4,231,341 23,724 SH   SOLE 0 0 0 23,724
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   18,956,262 305,057 SH   SOLE 0 0 0 305,057
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   558,918 11,573 SH   SOLE 0 0 0 11,573
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,674,798 24,008 SH   SOLE 0 0 0 24,008
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   1,949,023 35,586 SH   SOLE 0 0 0 35,586
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   19,734,812 572,024 SH   SOLE 0 0 0 572,024
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   307,581 9,187 SH   SOLE 0 0 0 9,187
SPDR S&P 500 ETF TR TR UNIT 78462F103   304,825 628 SH   SOLE 0 0 0 628
SPDR SER TR PORTFLI TIPS ETF 78464A656   286,034 11,217 SH   SOLE 0 0 0 11,217
SPDR SER TR S&P 600 SMCP GRW 78464A201   6,001,994 73,177 SH   SOLE 0 0 0 73,177
SPDR SER TR S&P 600 SMCP VAL 78464A300   12,492,522 156,235 SH   SOLE 0 0 0 156,235
SPDR SER TR NUVEEN BLMBRG SH 78468R739   862,410 18,156 SH   SOLE 0 0 0 18,156
SPDR SER TR BLOOMBERG SHT TE 78468R408   722,613 28,755 SH   SOLE 0 0 0 28,755
SPDR SER TR BLOOMBERG EMERGI 78464A391   421,904 20,294 SH   SOLE 0 0 0 20,294
SPDR SER TR PORTFOLIO S&P400 78464A847   19,032,755 395,856 SH   SOLE 0 0 0 395,856
SPDR SER TR NUVEEN BLOOMBERG 78464A284   469,575 18,768 SH   SOLE 0 0 0 18,768
SPDR SER TR PORTFOLIO AGRGTE 78464A649   16,394,741 648,783 SH   SOLE 0 0 0 648,783
SPDR SER TR PORTFOLI S&P1500 78464A805   52,762,392 887,061 SH   SOLE 0 0 0 887,061
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   350,653 8,821 SH   SOLE 0 0 0 8,821
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   502,927 9,916 SH   SOLE 0 0 0 9,916
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   735,837 8,662 SH   SOLE 0 0 0 8,662
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   878,390 12,121 SH   SOLE 0 0 0 12,121
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,291,995 9,511 SH   SOLE 0 0 0 9,511
VANGUARD INDEX FDS MID CAP ETF 922908629   533,519 2,331 SH   SOLE 0 0 0 2,331
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,440,345 85,901 SH   SOLE 0 0 0 85,901
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   817,383 16,231 SH   SOLE 0 0 0 16,231
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   11,895,949 153,983 SH   SOLE 0 0 0 153,983
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,140,627 24,212 SH   SOLE 0 0 0 24,212
VERIZON COMMUNICATIONS INC COM 92343V104   4,963,302 120,235 SH   SOLE 0 0 0 120,235
WALMART INC COM 931142103   277,665 1,730 SH   SOLE 0 0 0 1,730
WISDOMTREE TR GLB US QTLY DIV 97717W844   1,369,972 37,678 SH   SOLE 0 0 0 37,678