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
3M CO COM 88579Y101   367,150 2,500 SH   SOLE   0 0 2,500
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   702,402 2,251 SH   SOLE   0 0 2,251
ALPHABET INC CAP STK CL C 02079K107   656,049 4,199 SH   SOLE   0 0 4,199
ALPHABET INC CAP STK CL A 02079K305   3,377,183 21,839 SH   SOLE   0 0 21,839
AMAZON COM INC COM 023135106   4,062,432 21,352 SH   SOLE   0 0 21,352
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   7,264,886 104,171 SH   SOLE   0 0 104,171
AMERICAN HEALTHCARE REIT INC COM SHS 398182303   565,671 18,669 SH   SOLE   0 0 18,669
APPLE INC COM 037833100   3,457,710 15,566 SH   SOLE   0 0 15,566
BANK AMERICA CORP 7.25%CNV PFD L 060505682   3,059,264 2,478 SH   SOLE   0 0 2,478
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,596,883 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   446,835 839 SH   SOLE   0 0 839
CHEVRON CORP NEW COM 166764100   200,147 1,196 SH   SOLE   0 0 1,196
COCA COLA CO COM 191216100   447,052 6,242 SH   SOLE   0 0 6,242
CUMMINS INC COM 231021106   423,457 1,351 SH   SOLE   0 0 1,351
DELL TECHNOLOGIES INC CL C 24703L202   259,778 2,850 SH   SOLE   0 0 2,850
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,423,809 36,174 SH   SOLE   0 0 36,174
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,284,869 49,628 SH   SOLE   0 0 49,628
DUKE ENERGY CORP NEW COM NEW 26441C204   3,930,117 32,222 SH   SOLE   0 0 32,222
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   512,396 27,563 SH   SOLE   0 0 27,563
EXXON MOBIL CORP COM 30231G102   849,398 7,142 SH   SOLE   0 0 7,142
FASTENAL CO COM 311900104   465,300 6,000 SH   SOLE   0 0 6,000
GE AEROSPACE COM NEW 369604301   451,190 2,254 SH   SOLE   0 0 2,254
GILEAD SCIENCES INC COM 375558103   376,753 3,362 SH   SOLE   0 0 3,362
GLOBAL X FDS GLB X MLP ENRG I 37954Y293   750,214 11,757 SH   SOLE   0 0 11,757
HCA HEALTHCARE INC COM 40412C101   671,749 1,944 SH   SOLE   0 0 1,944
HOME DEPOT INC COM 437076102   1,394,624 3,805 SH   SOLE   0 0 3,805
INTERNATIONAL BUSINESS MACHS COM 459200101   370,752 1,491 SH   SOLE   0 0 1,491
ISHARES TR IBONDS DEC25 ETF 46434VBD1   251,198 9,988 SH   SOLE   0 0 9,988
ISHARES TR CORE S&P US GWT 464287671   4,417,721 34,763 SH   SOLE   0 0 34,763
ISHARES TR CORE DIV GRWTH 46434V621   62,249,544 1,007,600 SH   SOLE   0 0 1,007,600
ISHARES TR CORE S&P500 ETF 464287200   4,615,061 8,213 SH   SOLE   0 0 8,213
ISHARES TR IBONDS DEC 29 46436E205   17,916,770 774,612 SH   SOLE   0 0 774,612
ISHARES TR EXPANDED TECH 464287515   6,124,915 68,827 SH   SOLE   0 0 68,827
ISHARES TR IBONDS 27 ETF 46435UAA9   17,710,872 732,460 SH   SOLE   0 0 732,460
ISHARES TR CORE S&P TTL STK 464287150   203,113 1,665 SH   SOLE   0 0 1,665
ISHARES TR CORE MSCI EAFE 46432F842   887,269 11,729 SH   SOLE   0 0 11,729
JOHNSON & JOHNSON COM 478160104   808,728 4,877 SH   SOLE   0 0 4,877
JPMORGAN CHASE & CO. COM 46625H100   213,238 869 SH   SOLE   0 0 869
LINDE PLC SHS G54950103   329,207 707 SH   SOLE   0 0 707
MCDONALDS CORP COM 580135101   229,592 735 SH   SOLE   0 0 735
MICROSOFT CORP COM 594918104   1,256,479 3,347 SH   SOLE   0 0 3,347
NVIDIA CORPORATION COM 67066G104   845,365 7,800 SH   SOLE   0 0 7,800
ORACLE CORP COM 68389X105   326,456 2,335 SH   SOLE   0 0 2,335
PEPSICO INC COM 713448108   737,105 4,916 SH   SOLE   0 0 4,916
PHILIP MORRIS INTL INC COM 718172109   227,301 1,432 SH   SOLE   0 0 1,432
QUALCOMM INC COM 747525103   261,137 1,700 SH   SOLE   0 0 1,700
SALESFORCE INC COM 79466L302   267,018 995 SH   SOLE   0 0 995
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   10,407,409 379,971 SH   SOLE   0 0 379,971
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   325,576 13,790 SH   SOLE   0 0 13,790
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   3,256,827 90,770 SH   SOLE   0 0 90,770
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   11,033,045 358,216 SH   SOLE   0 0 358,216
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   15,073,887 417,097 SH   SOLE   0 0 417,097
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   786,314 30,012 SH   SOLE   0 0 30,012
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   367,764 3,813 SH   SOLE   0 0 3,813
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   337,262 1,708 SH   SOLE   0 0 1,708
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   446,353 3,057 SH   SOLE   0 0 3,057
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   511,150 10,262 SH   SOLE   0 0 10,262
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,964,038 9,512 SH   SOLE   0 0 9,512
SELECT SECTOR SPDR TR INDL 81369Y704   370,404 2,826 SH   SOLE   0 0 2,826
SILA REALTY TRUST INC COMMON STOCK 146280508   229,332 8,586 SH   SOLE   0 0 8,586
SOUTHERN CO COM 842587107   227,484 2,474 SH   SOLE   0 0 2,474
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,591,285 181,030 SH   SOLE   0 0 181,030
SPDR SER TR S&P DIVID ETF 78464A763   1,111,491 8,192 SH   SOLE   0 0 8,192
TESLA INC COM 88160R101   288,186 1,112 SH   SOLE   0 0 1,112
THE CIGNA GROUP COM 125523100   41,203,960 125,240 SH   SOLE   0 0 125,240
UNION PAC CORP COM 907818108   565,795 2,395 SH   SOLE   0 0 2,395
VANGUARD INDEX FDS LARGE CAP ETF 922908637   359,842 1,400 SH   SOLE   0 0 1,400
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,404,626 6,334 SH   SOLE   0 0 6,334
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,056,829 3,845 SH   SOLE   0 0 3,845
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   231,900 2,000 SH   SOLE   0 0 2,000
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,508,167 143,795 SH   SOLE   0 0 143,795
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   476,181 7,850 SH   SOLE   0 0 7,850
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   2,959,519 50,431 SH   SOLE   0 0 50,431
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   203,563 2,579 SH   SOLE   0 0 2,579
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   5,401,809 27,846 SH   SOLE   0 0 27,846
VANGUARD WORLD FD MEGA GRWTH IND 921910816   202,934 657 SH   SOLE   0 0 657
VERIZON COMMUNICATIONS INC COM 92343V104   3,650,482 80,478 SH   SOLE   0 0 80,478
WALMART INC COM 931142103   264,361 3,011 SH   SOLE   0 0 3,011
WELLS FARGO CO NEW PERP PFD CNV A 949746804   2,935,956 2,445 SH   SOLE   0 0 2,445
WILLIAMS COS INC COM 969457100   221,655 3,709 SH   SOLE   0 0 3,709
WISDOMTREE TR US LARGECAP DIVD 97717W307   285,732 3,600 SH   SOLE   0 0 3,600