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
3M CO COM 88579Y101 10,963 62,495 SH   SOLE   0 0 62,495
ABBVIE INC COM 00287Y109 17,615 163,294 SH   SOLE   0 0 163,294
AIR PRODS & CHEMS INC COM 009158106 566 2,209 SH   SOLE   0 0 2,209
ALPHABET INC CAP STK CL A 02079K305 6,184 2,313 SH   SOLE   0 0 2,313
ALPHABET INC CAP STK CL C 02079K107 20,862 7,827 SH   SOLE   0 0 7,827
ALTRIA GROUP INC COM 02209S103 1,247 27,391 SH   SOLE   0 0 27,391
AMAZON COM INC COM 023135106 26,812 8,162 SH   SOLE   0 0 8,162
AMGEN INC COM 031162100 5,798 27,264 SH   SOLE   0 0 27,264
APPLE INC COM 037833100 23,569 166,565 SH   SOLE   0 0 166,565
AT&T INC COM 00206R102 281 10,389 SH   SOLE   0 0 10,389
AUTOZONE INC COM 053332102 8,088 4,763 SH   SOLE   0 0 4,763
BERKSHIRE HATHAWAY INC DEL CL A 084670108 411 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,660 6,083 SH   SOLE   0 0 6,083
BK OF AMERICA CORP COM 060505104 6,804 160,290 SH   SOLE   0 0 160,290
BLACKSTONE INC COM 09260D107 1,687 14,497 SH   SOLE   0 0 14,497
BOEING CO COM 097023105 208 944 SH   SOLE   0 0 944
BOK FINL CORP COM NEW 05561Q201 968 10,815 SH   SOLE   0 0 10,815
BRISTOL-MYERS SQUIBB CO COM 110122108 1,460 24,677 SH   SOLE   0 0 24,677
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 933 26,449 SH   SOLE   0 0 26,449
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 242 4,527 SH   SOLE   0 0 4,527
BROWN FORMAN CORP CL B 115637209 6,244 93,185 SH   SOLE   0 0 93,185
CHEVRON CORP NEW COM 166764100 843 8,309 SH   SOLE   0 0 8,309
CHEWY INC CL A 16679L109 371 5,450 SH   SOLE   0 0 5,450
CISCO SYS INC COM 17275R102 12,677 232,904 SH   SOLE   0 0 232,904
CLOUDFLARE INC CL A COM 18915M107 244 2,167 SH   SOLE   0 0 2,167
COCA COLA CO COM 191216100 19,357 368,918 SH   SOLE   0 0 368,918
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 19,549 263,425 SH   SOLE   0 0 263,425
COMCAST CORP NEW CL A 20030N101 1,254 22,424 SH   SOLE   0 0 22,424
COSTCO WHSL CORP NEW COM 22160K105 12,478 27,768 SH   SOLE   0 0 27,768
COUPANG INC CL A 22266T109 946 33,975 SH   SOLE   0 0 33,975
CROWDSTRIKE HLDGS INC CL A 22788C105 614 2,500 SH   SOLE   0 0 2,500
CUMMINS INC COM 231021106 1,845 8,216 SH   SOLE   0 0 8,216
DEERE & CO COM 244199105 266 792 SH   SOLE   0 0 792
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207 284 3,425 SH   SOLE   0 0 3,425
DISCOVER FINL SVCS COM 254709108 14,204 115,624 SH   SOLE   0 0 115,624
DISNEY WALT CO COM 254687106 315 1,861 SH   SOLE   0 0 1,861
ELECTRONIC ARTS INC COM 285512109 13,447 94,528 SH   SOLE   0 0 94,528
ENTERPRISE PRODS PARTNERS L COM 293792107 776 35,881 SH   SOLE   0 0 35,881
EXXON MOBIL CORP COM 30231G102 10,589 180,016 SH   SOLE   0 0 180,016
FACEBOOK INC CL A 30303M102 22,556 66,460 SH   SOLE   0 0 66,460
FARFETCH LTD ORD SH CL A 30744W107 379 10,100 SH   SOLE   0 0 10,100
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 1,018 70,667 SH   SOLE   0 0 70,667
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 5,304 98,789 SH   SOLE   0 0 98,789
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 1,653 54,391 SH   SOLE   0 0 54,391
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 258 6,267 SH   SOLE   0 0 6,267
FORTINET INC COM 34959E109 1,331 4,558 SH   SOLE   0 0 4,558
GENERAL DYNAMICS CORP COM 369550108 15,667 79,923 SH   SOLE   0 0 79,923
HOME DEPOT INC COM 437076102 4,209 12,823 SH   SOLE   0 0 12,823
HONEYWELL INTL INC COM 438516106 6,562 30,914 SH   SOLE   0 0 30,914
HOULIHAN LOKEY INC CL A 441593100 438 4,757 SH   SOLE   0 0 4,757
ICON PLC SHS G4705A100 422 1,609 SH   SOLE   0 0 1,609
INTEL CORP COM 458140100 648 12,164 SH   SOLE   0 0 12,164
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 4,778 94,663 SH   SOLE   0 0 94,663
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 296 4,860 SH   SOLE   0 0 4,860
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 256 5,269 SH   SOLE   0 0 5,269
INVESCO QQQ TR UNIT SER 1 46090E103 276 771 SH   SOLE   0 0 771
ISHARES INC CORE MSCI EMKT 46434G103 13,711 222,000 SH   SOLE   0 0 222,000
ISHARES INC MSCI EMERG MRKT 464286533 258 4,111 SH   SOLE   0 0 4,111
ISHARES TR 0-5 YR TIPS ETF 46429B747 5,996 56,767 SH   SOLE   0 0 56,767
ISHARES TR 0-5YR HI YL CP 46434V407 8,482 185,611 SH   SOLE   0 0 185,611
ISHARES TR CORE MSCI EAFE 46432F842 25,459 342,882 SH   SOLE   0 0 342,882
ISHARES TR CORE S&P MCP ETF 464287507 19,695 74,867 SH   SOLE   0 0 74,867
ISHARES TR CORE S&P SCP ETF 464287804 15,738 144,137 SH   SOLE   0 0 144,137
ISHARES TR CORE S&P TTL STK 464287150 400 4,061 SH   SOLE   0 0 4,061
ISHARES TR CORE S&P500 ETF 464287200 3,818 8,862 SH   SOLE   0 0 8,862
ISHARES TR CORE US AGGBD ET 464287226 20,382 177,499 SH   SOLE   0 0 177,499
ISHARES TR EAFE SML CP ETF 464288273 567 7,623 SH   SOLE   0 0 7,623
ISHARES TR FLTG RATE NT ETF 46429B655 1,615 31,761 SH   SOLE   0 0 31,761
ISHARES TR ISHS 1-5YR INVS 464288646 15,320 280,387 SH   SOLE   0 0 280,387
ISHARES TR ISHS 5-10YR INVT 464288638 8,736 145,460 SH   SOLE   0 0 145,460
ISHARES TR MBS ETF 464288588 20,971 193,921 SH   SOLE   0 0 193,921
ISHARES TR MSCI ACWI EX US 464288240 251 4,536 SH   SOLE   0 0 4,536
ISHARES TR MSCI EAFE ETF 464287465 332 4,259 SH   SOLE   0 0 4,259
ISHARES TR MSCI EAFE MIN VL 46429B689 438 5,807 SH   SOLE   0 0 5,807
ISHARES TR NATIONAL MUN ETF 464288414 3,973 34,196 SH   SOLE   0 0 34,196
ISHARES TR RUS 1000 GRW ETF 464287614 1,264 4,612 SH   SOLE   0 0 4,612
ISHARES TR RUS 1000 VAL ETF 464287598 617 3,939 SH   SOLE   0 0 3,939
ISHARES TR RUS 2000 GRW ETF 464287648 291 991 SH   SOLE   0 0 991
ISHARES TR RUS 2000 VAL ETF 464287630 309 1,928 SH   SOLE   0 0 1,928
ISHARES TR RUS MID CAP ETF 464287499 309 3,955 SH   SOLE   0 0 3,955
ISHARES TR RUSSELL 2000 ETF 464287655 289 1,323 SH   SOLE   0 0 1,323
ISHARES TR S&P 500 GRWT ETF 464287309 490 6,636 SH   SOLE   0 0 6,636
ISHARES TR S&P 500 VAL ETF 464287408 427 2,939 SH   SOLE   0 0 2,939
ISHARES TR SHRT NAT MUN ETF 464288158 2,057 19,119 SH   SOLE   0 0 19,119
ISHARES TR SP SMCP600VL ETF 464287879 241 2,398 SH   SOLE   0 0 2,398
ISHARES TR U.S. TECH ETF 464287721 221 2,180 SH   SOLE   0 0 2,180
J P MORGAN EXCHANGE-TRADED F DIV RTN INT EQ 46641Q209 2,682 44,478 SH   SOLE   0 0 44,478
J P MORGAN EXCHANGE-TRADED F HIGH YLD RESRCH 46641Q878 441 8,470 SH   SOLE   0 0 8,470
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 14,320 282,340 SH   SOLE   0 0 282,340
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 4,950 96,921 SH   SOLE   0 0 96,921
JOHNSON & JOHNSON COM 478160104 4,186 25,919 SH   SOLE   0 0 25,919
JPMORGAN CHASE & CO COM 46625H100 33,009 201,655 SH   SOLE   0 0 201,655
KIMBERLY-CLARK CORP COM 494368103 3,740 28,238 SH   SOLE   0 0 28,238
LILLY ELI & CO COM 532457108 1,339 5,797 SH   SOLE   0 0 5,797
LOCKHEED MARTIN CORP COM 539830109 2,232 6,469 SH   SOLE   0 0 6,469
LOWES COS INC COM 548661107 1,773 8,742 SH   SOLE   0 0 8,742
MASTERCARD INCORPORATED CL A 57636Q104 13,440 38,658 SH   SOLE   0 0 38,658
MCKESSON CORP COM 58155Q103 3,104 15,568 SH   SOLE   0 0 15,568
MEDTRONIC PLC SHS G5960L103 221 1,763 SH   SOLE   0 0 1,763
MERCK & CO INC COM 58933Y105 514 6,841 SH   SOLE   0 0 6,841
MICROSOFT CORP COM 594918104 32,577 115,553 SH   SOLE   0 0 115,553
NETFLIX INC COM 64110L106 295 483 SH   SOLE   0 0 483
NEW YORK CMNTY CAP TR V UNIT 11/01/2051 64944P307 1,376 25,820 SH   SOLE   0 0 25,820
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106 387 5,129 SH   SOLE   0 0 5,129
NIKE INC CL B 654106103 8,154 56,149 SH   SOLE   0 0 56,149
NVIDIA CORPORATION COM 67066G104 590 2,848 SH   SOLE   0 0 2,848
OKTA INC CL A 679295105 309 1,300 SH   SOLE   0 0 1,300
ORACLE CORP COM 68389X105 734 8,427 SH   SOLE   0 0 8,427
PAYPAL HLDGS INC COM 70450Y103 680 2,614 SH   SOLE   0 0 2,614
PEPSICO INC COM 713448108 3,296 21,916 SH   SOLE   0 0 21,916
PHILIP MORRIS INTL INC COM 718172109 15,493 163,447 SH   SOLE   0 0 163,447
PPL CORP COM 69351T106 9,678 347,117 SH   SOLE   0 0 347,117
PROCTER AND GAMBLE CO COM 742718109 9,411 67,318 SH   SOLE   0 0 67,318
QUALCOMM INC COM 747525103 238 1,845 SH   SOLE   0 0 1,845
QUEST DIAGNOSTICS INC COM 74834L100 22,385 154,050 SH   SOLE   0 0 154,050
RAYTHEON TECHNOLOGIES CORP COM 75513E101 5,297 61,621 SH   SOLE   0 0 61,621
REVOLVE GROUP INC CL A 76156B107 463 7,500 SH   SOLE   0 0 7,500
SALESFORCE COM INC COM 79466L302 385 1,418 SH   SOLE   0 0 1,418
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 10,603 186,965 SH   SOLE   0 0 186,965
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 15,417 301,178 SH   SOLE   0 0 301,178
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,174 15,810 SH   SOLE   0 0 15,810
SCHWAB STRATEGIC TR US REIT ETF 808524847 207 4,541 SH   SOLE   0 0 4,541
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 201 2,510 SH   SOLE   0 0 2,510
SELECT SECTOR SPDR TR ENERGY 81369Y506 888 17,046 SH   SOLE   0 0 17,046
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 8,272 220,401 SH   SOLE   0 0 220,401
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 564 3,143 SH   SOLE   0 0 3,143
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 227 1,780 SH   SOLE   0 0 1,780
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 769 12,041 SH   SOLE   0 0 12,041
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,008 6,747 SH   SOLE   0 0 6,747
SHOPIFY INC CL A 82509L107 339 250 SH   SOLE   0 0 250
SPDR S&P 500 ETF TR TR UNIT 78462F103 551 1,283 SH   SOLE   0 0 1,283
SPDR SER TR BLOMBERG BRC INV 78468R200 1,464 47,748 SH   SOLE   0 0 47,748
SPDR SER TR PORTFOLIO SHORT 78464A474 13,446 430,261 SH   SOLE   0 0 430,261
STARBUCKS CORP COM 855244109 22,390 202,969 SH   SOLE   0 0 202,969
SVB FINANCIAL GROUP COM 78486Q101 695 1,075 SH   SOLE   0 0 1,075
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 2,928 26,221 SH   SOLE   0 0 26,221
TESLA INC COM 88160R101 480 619 SH   SOLE   0 0 619
TRUIST FINL CORP COM 89832Q109 11,345 193,436 SH   SOLE   0 0 193,436
UNION PAC CORP COM 907818108 14,158 72,229 SH   SOLE   0 0 72,229
UNITED PARCEL SERVICE INC CL B 911312106 12,496 68,620 SH   SOLE   0 0 68,620
UNITEDHEALTH GROUP INC COM 91324P102 28,481 72,889 SH   SOLE   0 0 72,889
US BANCORP DEL COM NEW 902973304 9,397 158,099 SH   SOLE   0 0 158,099
VALERO ENERGY CORP COM 91913Y100 1,577 22,348 SH   SOLE   0 0 22,348
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 19,964 243,648 SH   SOLE   0 0 243,648
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,701 19,904 SH   SOLE   0 0 19,904
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 1,989 39,668 SH   SOLE   0 0 39,668
VANGUARD INDEX FDS GROWTH ETF 922908736 411 1,416 SH   SOLE   0 0 1,416
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 260 1,100 SH   SOLE   0 0 1,100
VANGUARD INDEX FDS MID CAP ETF 922908629 3,147 13,293 SH   SOLE   0 0 13,293
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 9,085 89,257 SH   SOLE   0 0 89,257
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 658 1,668 SH   SOLE   0 0 1,668
VANGUARD INDEX FDS SM CP VAL ETF 922908611 318 1,876 SH   SOLE   0 0 1,876
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,618 30,264 SH   SOLE   0 0 30,264
VANGUARD INDEX FDS SML CP GRW ETF 922908595 305 1,087 SH   SOLE   0 0 1,087
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,840 8,286 SH   SOLE   0 0 8,286
VANGUARD INDEX FDS VALUE ETF 922908744 766 5,660 SH   SOLE   0 0 5,660
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,991 199,782 SH   SOLE   0 0 199,782
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 12,305 92,038 SH   SOLE   0 0 92,038
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,608 84,143 SH   SOLE   0 0 84,143
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 15,588 165,110 SH   SOLE   0 0 165,110
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,018 9,642 SH   SOLE   0 0 9,642
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 13,511 163,949 SH   SOLE   0 0 163,949
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 938 6,105 SH   SOLE   0 0 6,105
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 23,166 458,822 SH   SOLE   0 0 458,822
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 1,108 12,705 SH   SOLE   0 0 12,705
VANGUARD WORLD FD MEGA CAP INDEX 921910873 206 1,350 SH   SOLE   0 0 1,350
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 633 6,832 SH   SOLE   0 0 6,832
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 313 1,266 SH   SOLE   0 0 1,266
VANGUARD WORLD FDS INF TECH ETF 92204A702 562 1,401 SH   SOLE   0 0 1,401
VEEVA SYS INC CL A COM 922475108 288 1,000 SH   SOLE   0 0 1,000
VERIZON COMMUNICATIONS INC COM 92343V104 27,590 510,827 SH   SOLE   0 0 510,827
VISA INC COM CL A 92826C839 6,269 28,145 SH   SOLE   0 0 28,145
WALMART INC COM 931142103 6,739 48,353 SH   SOLE   0 0 48,353
WASTE MGMT INC DEL COM 94106L109 10,805 72,343 SH   SOLE   0 0 72,343
WEC ENERGY GROUP INC COM 92939U106 4,327 49,063 SH   SOLE   0 0 49,063
WISDOMTREE TR US QTLY DIV GRT 97717X669 390 6,625 SH   SOLE   0 0 6,625