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
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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   6,938,573 43,876 SH   SOLE 0 0 0 43,876
AMAZON COM INC COM 023135106   7,693,038 41,434 SH   SOLE 0 0 0 41,434
APPLE INC COM 037833100   7,010,488 41,318 SH   SOLE 0 0 0 41,318
BERKLEY W R CORP COM 084423102   5,265,082 62,874 SH   SOLE 0 0 0 62,874
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   6,922,585 16,693 SH   SOLE 0 0 0 16,693
BJS WHSL CLUB HLDGS INC COM 05550J101   214,897 2,784 SH   SOLE 0 0 0 2,784
BP PLC SPONSORED ADR 055622104   353,610 9,000 SH   SOLE 0 0 0 9,000
CAPITAL ONE FINL CORP COM 14040H105   5,425,325 37,802 SH   SOLE 0 0 0 37,802
CMS ENERGY CORP COM 125896100   216,515 3,655 SH   SOLE 0 0 0 3,655
COCA COLA CO COM 191216100   292,389 4,896 SH   SOLE 0 0 0 4,896
CONSOL ENERGY INC NEW COM 20854L108   252,361 3,053 SH   SOLE 0 0 0 3,053
CSX CORP COM 126408103   393,724 10,952 SH   SOLE 0 0 0 10,952
EXXON MOBIL CORP COM 30231G102   4,963,414 40,959 SH   SOLE 0 0 0 40,959
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   679,052 13,289 SH   SOLE 0 0 0 13,289
FIRST TR EXCHNG TRADED FD VI CBOE VEST FD DEP 33740U703   963,230 40,763 SH   SOLE 0 0 0 40,763
GRANITESHARES GOLD TR SHS BEN INT 38748G101   245,484 10,563 SH   SOLE 0 0 0 10,563
HCA HEALTHCARE INC COM 40412C101   5,357,144 16,289 SH   SOLE 0 0 0 16,289
HF SINCLAIR CORP COM 403949100   213,501 3,496 SH   SOLE 0 0 0 3,496
HUNTINGTON BANCSHARES INC COM 446150104   264,570 18,844 SH   SOLE 0 0 0 18,844
ISHARES INC JP MORGAN EM ETF 464286517   8,562,942 236,186 SH   SOLE 0 0 0 236,186
ISHARES INC CORE MSCI EMKT 46434G103   388,091 7,385 SH   SOLE 0 0 0 7,385
ISHARES TR CORE S&P TTL STK 464287150   334,506 2,924 SH   SOLE 0 0 0 2,924
ISHARES TR SP SMCP600VL ETF 464287879   540,231 5,352 SH   SOLE 0 0 0 5,352
ISHARES TR NATIONAL MUN ETF 464288414   1,312,289 12,277 SH   SOLE 0 0 0 12,277
ISHARES TR SHRT NAT MUN ETF 464288158   934,499 8,947 SH   SOLE 0 0 0 8,947
ISHARES TR CORE S&P MCP ETF 464287507   3,262,537 54,376 SH   SOLE 0 0 0 54,376
ISHARES TR 0-3 MNTH TREASRY 46436E718   918,049 9,143 SH   SOLE 0 0 0 9,143
ISHARES TR IBOXX HI YD ETF 464288513   266,665 3,456 SH   SOLE 0 0 0 3,456
ISHARES TR CORE US AGGBD ET 464287226   2,160,865 22,295 SH   SOLE 0 0 0 22,295
ISHARES TR AGGRES ALLOC ETF 464289859   316,546 4,341 SH   SOLE 0 0 0 4,341
ISHARES TR CORE S&P500 ETF 464287200   467,733 896 SH   SOLE 0 0 0 896
ISHARES TR MSCI INTL QUALTY 46434V456   37,709,050 960,006 SH   SOLE 0 0 0 960,006
ISHARES TR INTERNATIONAL SL 46434V266   6,535,845 197,637 SH   SOLE 0 0 0 197,637
ISHARES TR IBONDS 24 TRM TS 46436E874   21,868,354 915,760 SH   SOLE 0 0 0 915,760
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   534,370 10,611 SH   SOLE 0 0 0 10,611
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   269,561 5,358 SH   SOLE 0 0 0 5,358
JPMORGAN CHASE & CO COM 46625H100   5,712,719 28,977 SH   SOLE 0 0 0 28,977
LOWES COS INC COM 548661107   4,235,829 17,332 SH   SOLE 0 0 0 17,332
MARRIOTT INTL INC NEW CL A 571903202   218,229 856 SH   SOLE 0 0 0 856
MCDONALDS CORP COM 580135101   569,327 2,113 SH   SOLE 0 0 0 2,113
MERCK & CO INC COM 58933Y105   493,029 3,891 SH   SOLE 0 0 0 3,891
META PLATFORMS INC CL A 30303M102   289,981 561 SH   SOLE 0 0 0 561
MICROSOFT CORP COM 594918104   4,731,494 11,099 SH   SOLE 0 0 0 11,099
NIKE INC CL B 654106103   321,139 3,529 SH   SOLE 0 0 0 3,529
NMI HLDGS INC CL A 629209305   200,553 6,503 SH   SOLE 0 0 0 6,503
NVIDIA CORPORATION COM 67066G104   268,413 314 SH   SOLE 0 0 0 314
OAKTREE SPECIALTY LENDING CO COM 67401P405   197,001 10,113 SH   SOLE 0 0 0 10,113
PACER FDS TR SWAN SOS FD OF 69374H568   11,222,271 416,102 SH   SOLE 0 0 0 416,102
PEPSICO INC COM 713448108   3,866,736 22,664 SH   SOLE 0 0 0 22,664
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,229,285 22,233 SH   SOLE 0 0 0 22,233
PROCTER AND GAMBLE CO COM 742718109   4,097,342 26,154 SH   SOLE 0 0 0 26,154
PROGRESSIVE CORP COM 743315103   5,515,329 26,929 SH   SOLE 0 0 0 26,929
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   18,730,033 281,063 SH   SOLE 0 0 0 281,063
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   558,388 11,613 SH   SOLE 0 0 0 11,613
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,711,394 22,846 SH   SOLE 0 0 0 22,846
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   2,009,257 34,944 SH   SOLE 0 0 0 34,944
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   324,318 9,082 SH   SOLE 0 0 0 9,082
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   20,936,931 565,405 SH   SOLE 0 0 0 565,405
SPDR S&P 500 ETF TR TR UNIT 78462F103   326,133 628 SH   SOLE 0 0 0 628
SPDR SER TR PORTFLI TIPS ETF 78464A656   287,025 11,278 SH   SOLE 0 0 0 11,278
SPDR SER TR NUVEEN BLMBRG SH 78468R739   882,481 18,665 SH   SOLE 0 0 0 18,665
SPDR SER TR S&P 600 SMCP GRW 78464A201   6,043,034 69,999 SH   SOLE 0 0 0 69,999
SPDR SER TR S&P 600 SMCP VAL 78464A300   12,539,690 153,861 SH   SOLE 0 0 0 153,861
SPDR SER TR BLOOMBERG EMERGI 78464A391   462,401 22,523 SH   SOLE 0 0 0 22,523
SPDR SER TR PORTFOLIO AGRGTE 78464A649   23,054,967 921,093 SH   SOLE 0 0 0 921,093
SPDR SER TR PORTFOLIO S&P400 78464A847   19,283,210 365,975 SH   SOLE 0 0 0 365,975
SPDR SER TR PORTFOLI S&P1500 78464A805   49,607,440 779,256 SH   SOLE 0 0 0 779,256
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   382,683 9,647 SH   SOLE 0 0 0 9,647
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   757,760 8,737 SH   SOLE 0 0 0 8,737
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,284,073 17,864 SH   SOLE 0 0 0 17,864
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,192,093 8,501 SH   SOLE 0 0 0 8,501
VANGUARD INDEX FDS MID CAP ETF 922908629   556,628 2,250 SH   SOLE 0 0 0 2,250
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,507,105 82,038 SH   SOLE 0 0 0 82,038
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   946,767 18,882 SH   SOLE 0 0 0 18,882
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   12,358,174 160,600 SH   SOLE 0 0 0 160,600
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,209,632 24,212 SH   SOLE 0 0 0 24,212
VERIZON COMMUNICATIONS INC COM 92343V104   5,888,918 144,195 SH   SOLE 0 0 0 144,195
WALMART INC COM 931142103   310,310 5,190 SH   SOLE 0 0 0 5,190
WARRIOR MET COAL INC COM 93627C101   256,534 4,277 SH   SOLE 0 0 0 4,277
WISDOMTREE TR GLB US QTLY DIV 97717W844   1,481,194 37,921 SH   SOLE 0 0 0 37,921