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   216,469 1,805 SH   SOLE   0 0 1,805
ABBVIE INC COM 00287Y109   3,072,680 19,013 SH   SOLE   0 0 19,013
ALPHABET INC CAP STK CL A 02079K305   4,109,930 46,582 SH   SOLE   0 0 46,582
ALPHABET INC CAP STK CL C 02079K107   511,464 5,764 SH   SOLE   0 0 5,764
AMAZON COM INC COM 023135106   3,308,230 39,384 SH   SOLE   0 0 39,384
ANI PHARMACEUTICALS INC COM 00182C103   233,414 5,802 SH   SOLE   0 0 5,802
APPLE INC COM 037833100   9,805,502 75,468 SH   SOLE   0 0 75,468
AUTOZONE INC COM 053332102   5,053,897 2,049 SH   SOLE   0 0 2,049
BARCLAYS BANK PLC ETN LKD 48 06746P555   465,950 24,049 SH   SOLE   0 0 24,049
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,744,124 15,358 SH   SOLE   0 0 15,358
BLACKROCK MUNIYIELD QUALITY COM 09254G108   330,545 32,343 SH   SOLE   0 0 32,343
BOOKING HOLDINGS INC COM 09857L108   485,687 246 SH   SOLE   0 0 246
BOSTON SCIENTIFIC CORP COM 101137107   397,829 8,598 SH   SOLE   0 0 8,598
CF INDS HLDGS INC COM 125269100   992,446 11,648 SH   SOLE   0 0 11,648
CHECK POINT SOFTWARE TECH LT ORD M22465104   1,387,886 11,001 SH   SOLE   0 0 11,001
CIGNA CORP NEW COM 125523100   3,744,190 11,300 SH   SOLE   0 0 11,300
CISCO SYS INC COM 17275R102   3,041,858 63,851 SH   SOLE   0 0 63,851
CLEARFIELD INC COM 18482P103   1,164,983 12,375 SH   SOLE   0 0 12,375
COSTCO WHSL CORP NEW COM 22160K105   218,207 478 SH   SOLE   0 0 478
CROWN CASTLE INC COM 22822V101   908,891 6,701 SH   SOLE   0 0 6,701
DANAHER CORPORATION COM 235851102   360,175 1,357 SH   SOLE   0 0 1,357
DBX ETF TR XTRACK MSCI EAFE 233051200   10,240,570 317,734 SH   SOLE   0 0 317,734
DIGITAL RLTY TR INC COM 253868103   854,672 8,524 SH   SOLE   0 0 8,524
DISNEY WALT CO COM 254687106   240,831 2,772 SH   SOLE   0 0 2,772
EBAY INC. COM 278642103   1,900,719 45,834 SH   SOLE   0 0 45,834
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   7,941,779 178,107 SH   SOLE   0 0 178,107
GENERAL DYNAMICS CORP COM 369550108   899,158 3,624 SH   SOLE   0 0 3,624
GENERAL MLS INC COM 370334104   406,589 4,849 SH   SOLE   0 0 4,849
HOME DEPOT INC COM 437076102   2,668,292 8,448 SH   SOLE   0 0 8,448
HUNTINGTON INGALLS INDS INC COM 446413106   917,422 3,977 SH   SOLE   0 0 3,977
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   570,023 6,901 SH   SOLE   0 0 6,901
INVESCO QQQ TR UNIT SER 1 46090E103   571,703 2,147 SH   SOLE   0 0 2,147
INVESCO TR INVT GRADE MUNS COM 46131M106   322,555 32,095 SH   SOLE   0 0 32,095
ISHARES INC ESG AWR MSCI EM 46434G863   8,574,505 285,151 SH   SOLE   0 0 285,151
ISHARES SHORT TREASURY BOND ETF SHORT TREAS BD 464288679   1,096,672 9,977 SH   SOLE   0 0 9,977
ISHARES TR CORE S&P500 ETF 464287200   7,678,821 19,986 SH   SOLE   0 0 19,986
ISHARES TR CORE S&P 500 MCP ETF 464287507   801,623 3,314 SH   SOLE   0 0 3,314
ISHARES TR ESG AW MSCI EAFE 46435G516   16,029,508 243,832 SH   SOLE   0 0 243,832
ISHARES TR RUS MID CAP ETF 464287499   227,644 3,375 SH   SOLE   0 0 3,375
ISHARES TR S&P100 ETF 464287101   283,828 1,664 SH   SOLE   0 0 1,664
JOHNSON & JOHNSON COM 478160104   2,174,405 12,309 SH   SOLE   0 0 12,309
JPMORGAN CHASE & CO COM 46625H100   3,511,336 26,184 SH   SOLE   0 0 26,184
KELLOGG CO COM 487836108   587,730 8,250 SH   SOLE   0 0 8,250
L3HARRIS TECHNOLOGIES INC COM 502431109   799,747 3,841 SH   SOLE   0 0 3,841
LEAR CORP COM NEW 521865204   2,021,270 16,298 SH   SOLE   0 0 16,298
LILLY ELI & CO COM 532457108   1,476,579 4,036 SH   SOLE   0 0 4,036
LOCKHEED MARTIN CORP COM 539830109   1,225,485 2,519 SH   SOLE   0 0 2,519
LUMEN TECHNOLOGIES INC COM 550241103   461,220 88,356 SH   SOLE   0 0 88,356
MCDONALDS CORP COM 580135101   3,498,940 13,277 SH   SOLE   0 0 13,277
MEDTRONIC PLC SHS G5960L103   409,584 5,270 SH   SOLE   0 0 5,270
MERCK & CO INC COM 58933Y105   3,013,384 27,160 SH   SOLE   0 0 27,160
MICROSOFT CORP COM 594918104   3,383,423 14,108 SH   SOLE   0 0 14,108
NIKE INC CL B 654106103   269,942 2,307 SH   SOLE   0 0 2,307
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409   4,846,342 137,680 SH   SOLE   0 0 137,680
ORACLE CORP COM 68389X105   331,537 4,056 SH   SOLE   0 0 4,056
PAYPAL HLDGS INC COM 70450Y103   221,369 3,108 SH   SOLE   0 0 3,108
PENTAIR PLC SHS G7S00T104   220,357 4,899 SH   SOLE   0 0 4,899
PFIZER INC COM 717081103   616,963 12,041 SH   SOLE   0 0 12,041
PIONEER NAT RES CO COM 723787107   1,507,121 6,599 SH   SOLE   0 0 6,599
PROCTER AND GAMBLE CO COM 742718109   202,484 1,336 SH   SOLE   0 0 1,336
QUMU CORP COM 749063103   86,296 96,560 SH   SOLE   0 0 96,560
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,060,733 10,511 SH   SOLE   0 0 10,511
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   394,796 8,184 SH   SOLE   0 0 8,184
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   10,259,816 156,376 SH   SOLE   0 0 156,376
SCHWAB STRATEGIC TR US TIPS ETF 808524870   6,131,121 118,384 SH   SOLE   0 0 118,384
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   3,122,309 65,062 SH   SOLE   0 0 65,062
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,986,324 26,644 SH   SOLE   0 0 26,644
SELECT SECTOR SPDR TR ENERGY 81369Y506   4,353,028 49,766 SH   SOLE   0 0 49,766
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   2,055,952 60,116 SH   SOLE   0 0 60,116
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   8,244,380 60,687 SH   SOLE   0 0 60,687
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   2,232,347 22,730 SH   SOLE   0 0 22,730
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   2,251,314 28,982 SH   SOLE   0 0 28,982
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   11,866,149 95,356 SH   SOLE   0 0 95,356
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   236,901 715 SH   SOLE   0 0 715
SPDR S&P 500 ETF TR TR UNIT 78462F103   765,242 2,001 SH   SOLE   0 0 2,001
SPDR SER TR S&P BIOTECH 78464A870   1,106,556 13,332 SH   SOLE   0 0 13,332
STARBUCKS CORP COM 855244109   2,918,344 29,419 SH   SOLE   0 0 29,419
TARGET CORP COM 87612E106   331,614 2,225 SH   SOLE   0 0 2,225
THOMSON REUTERS CORP. COM NEW 884903709   309,130 2,710 SH   SOLE   0 0 2,710
T-MOBILE US INC COM 872590104   268,660 1,919 SH   SOLE   0 0 1,919
TRAVELERS COMPANIES INC COM 89417E109   697,838 3,722 SH   SOLE   0 0 3,722
UNION PAC CORP COM 907818108   2,324,349 11,225 SH   SOLE   0 0 11,225
UNITEDHEALTH GROUP INC COM 91324P102   7,846,134 14,799 SH   SOLE   0 0 14,799
VANECK ETF TRUST IG FLOATING RATE 92189F486   13,685,936 550,078 SH   SOLE   0 0 550,078
VANGUARD INDEX FDS MID CAP ETF 922908629   1,075,842 5,279 SH   SOLE   0 0 5,279
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   306,017 871 SH   SOLE   0 0 871
VANGUARD INDEX FDS SMALL CP ETF 922908751   7,611,124 41,468 SH   SOLE   0 0 41,468
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   230,961 5,503 SH   SOLE   0 0 5,503
VANGUARD WORLDS FDS INF TECH ETF 92204A702   341,130 1,068 SH   SOLE   0 0 1,068
VICI PPTYS INC COM 925652109   1,356,046 41,853 SH   SOLE   0 0 41,853
WALMART INC COM 931142103   2,899,910 20,452 SH   SOLE   0 0 20,452
WISDOMTREE TR DYNAMIC INT EQ 97717X271   2,682,250 89,558 SH   SOLE   0 0 89,558
XCEL ENERGY INC COM 98389B100   205,773 2,935 SH   SOLE   0 0 2,935