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 10,023 67,320 SH   SOLE   0 0 67,320
ABBVIE INC COM 00287Y109 20,915 129,017 SH   SOLE   0 0 129,017
ALPHABET INC CAP STK CL A 02079K305 5,696 2,048 SH   SOLE   0 0 2,048
ALPHABET INC CAP STK CL C 02079K107 19,295 6,908 SH   SOLE   0 0 6,908
ALTRIA GROUP INC COM 02209S103 604 11,561 SH   SOLE   0 0 11,561
AMAZON COM INC COM 023135106 28,740 8,816 SH   SOLE   0 0 8,816
AMGEN INC COM 031162100 8,053 33,300 SH   SOLE   0 0 33,300
APPLE INC COM 037833100 25,150 144,033 SH   SOLE   0 0 144,033
AUTOZONE INC COM 053332102 10,006 4,894 SH   SOLE   0 0 4,894
BERKSHIRE HATHAWAY INC DEL CL A 084670108 529 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,094 5,934 SH   SOLE   0 0 5,934
BK OF AMERICA CORP 7.25%CNV PFD L 060505682 1,925 1,467 SH   SOLE   0 0 1,467
BK OF AMERICA CORP COM 060505104 7,032 170,599 SH   SOLE   0 0 170,599
BLACKSTONE INC COM 09260D107 1,747 13,759 SH   SOLE   0 0 13,759
BOK FINL CORP COM NEW 05561Q201 1,016 10,815 SH   SOLE   0 0 10,815
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 800 18,969 SH   SOLE   0 0 18,969
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 257 4,542 SH   SOLE   0 0 4,542
BROWN FORMAN CORP CL B 115637209 13,928 207,826 SH   SOLE   0 0 207,826
CHEVRON CORP NEW COM 166764100 1,412 8,670 SH   SOLE   0 0 8,670
CISCO SYS INC COM 17275R102 7,606 136,397 SH   SOLE   0 0 136,397
COCA COLA CO COM 191216100 26,604 429,101 SH   SOLE   0 0 429,101
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 24,583 274,152 SH   SOLE   0 0 274,152
COMCAST CORP NEW CL A 20030N101 244 5,220 SH   SOLE   0 0 5,220
CONOCOPHILLIPS COM 20825C104 218 2,179 SH   SOLE   0 0 2,179
CONSTELLATION ENERGY CORP COM 21037T109 338 6,000 SH   SOLE   0 0 6,000
COPART INC COM 217204106 9,214 73,438 SH   SOLE   0 0 73,438
COSTCO WHSL CORP NEW COM 22160K105 13,907 24,151 SH   SOLE   0 0 24,151
DEERE & CO COM 244199105 331 797 SH   SOLE   0 0 797
DIREXION SHS ETF TR DLY S&P500 BR 1X 25460E869 2,046 140,650 SH   SOLE   0 0 140,650
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207 265 3,425 SH   SOLE   0 0 3,425
DISCOVER FINL SVCS COM 254709108 14,121 128,150 SH   SOLE   0 0 128,150
DISNEY WALT CO COM 254687106 22,519 164,178 SH   SOLE   0 0 164,178
DOCUSIGN INC COM 256163106 214 2,000 SH   SOLE   0 0 2,000
DOLLAR GEN CORP NEW COM 256677105 200 900 SH   SOLE   0 0 900
ELECTRONIC ARTS INC COM 285512109 19,270 152,320 SH   SOLE   0 0 152,320
ENTERPRISE PRODS PARTNERS L COM 293792107 379 14,702 SH   SOLE   0 0 14,702
EXXON MOBIL CORP COM 30231G102 17,811 215,655 SH   SOLE   0 0 215,655
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 721 34,429 SH   SOLE   0 0 34,429
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 5,495 101,469 SH   SOLE   0 0 101,469
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 1,849 57,095 SH   SOLE   0 0 57,095
FORTINET INC COM 34959E109 362 1,058 SH   SOLE   0 0 1,058
GENERAL DYNAMICS CORP COM 369550108 15,307 63,466 SH   SOLE   0 0 63,466
HOME DEPOT INC COM 437076102 5,332 17,813 SH   SOLE   0 0 17,813
HONEYWELL INTL INC COM 438516106 6,141 31,562 SH   SOLE   0 0 31,562
HOULIHAN LOKEY INC CL A 441593100 334 3,802 SH   SOLE   0 0 3,802
ICON PLC SHS G4705A100 245 1,007 SH   SOLE   0 0 1,007
INTEL CORP COM 458140100 490 9,894 SH   SOLE   0 0 9,894
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 2,187 43,881 SH   SOLE   0 0 43,881
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 267 3,985 SH   SOLE   0 0 3,985
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480 329 6,100 SH   SOLE   0 0 6,100
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 263 5,277 SH   SOLE   0 0 5,277
INVESCO QQQ TR UNIT SER 1 46090E103 907 2,502 SH   SOLE   0 0 2,502
ISHARES GOLD TR ISHARES NEW 464285204 203 5,525 SH   SOLE   0 0 5,525
ISHARES INC CORE MSCI EMKT 46434G103 12,986 233,769 SH   SOLE   0 0 233,769
ISHARES INC MSCI EMERG MRKT 464286533 245 4,011 SH   SOLE   0 0 4,011
ISHARES TR 0-5 YR TIPS ETF 46429B747 15,830 150,847 SH   SOLE   0 0 150,847
ISHARES TR 0-5YR HI YL CP 46434V407 1,820 41,411 SH   SOLE   0 0 41,411
ISHARES TR CORE MSCI EAFE 46432F842 24,613 354,096 SH   SOLE   0 0 354,096
ISHARES TR CORE S&P MCP ETF 464287507 20,060 74,756 SH   SOLE   0 0 74,756
ISHARES TR CORE S&P SCP ETF 464287804 15,606 144,662 SH   SOLE   0 0 144,662
ISHARES TR CORE S&P TTL STK 464287150 409 4,055 SH   SOLE   0 0 4,055
ISHARES TR CORE S&P500 ETF 464287200 3,407 7,509 SH   SOLE   0 0 7,509
ISHARES TR CORE US AGGBD ET 464287226 18,626 173,910 SH   SOLE   0 0 173,910
ISHARES TR EAFE SML CP ETF 464288273 510 7,690 SH   SOLE   0 0 7,690
ISHARES TR FLTG RATE NT ETF 46429B655 459 9,086 SH   SOLE   0 0 9,086
ISHARES TR ISHS 1-5YR INVS 464288646 12,408 239,915 SH   SOLE   0 0 239,915
ISHARES TR ISHS 5-10YR INVT 464288638 7,185 130,941 SH   SOLE   0 0 130,941
ISHARES TR MBS ETF 464288588 20,585 202,073 SH   SOLE   0 0 202,073
ISHARES TR MSCI ACWI EX US 464288240 211 4,035 SH   SOLE   0 0 4,035
ISHARES TR MSCI EAFE ETF 464287465 262 3,559 SH   SOLE   0 0 3,559
ISHARES TR MSCI EAFE MIN VL 46429B689 379 5,257 SH   SOLE   0 0 5,257
ISHARES TR NATIONAL MUN ETF 464288414 3,600 32,837 SH   SOLE   0 0 32,837
ISHARES TR RUS 1000 ETF 464287622 702 2,806 SH   SOLE   0 0 2,806
ISHARES TR RUS 1000 GRW ETF 464287614 1,189 4,284 SH   SOLE   0 0 4,284
ISHARES TR RUS 1000 VAL ETF 464287598 640 3,858 SH   SOLE   0 0 3,858
ISHARES TR RUS 2000 GRW ETF 464287648 253 991 SH   SOLE   0 0 991
ISHARES TR RUS 2000 VAL ETF 464287630 290 1,800 SH   SOLE   0 0 1,800
ISHARES TR RUS MID CAP ETF 464287499 298 3,823 SH   SOLE   0 0 3,823
ISHARES TR RUSSELL 2000 ETF 464287655 251 1,225 SH   SOLE   0 0 1,225
ISHARES TR S&P 500 GRWT ETF 464287309 474 6,202 SH   SOLE   0 0 6,202
ISHARES TR S&P 500 VAL ETF 464287408 355 2,282 SH   SOLE   0 0 2,282
ISHARES TR SHRT NAT MUN ETF 464288158 1,664 15,908 SH   SOLE   0 0 15,908
J P MORGAN EXCHANGE-TRADED F DIV RTN INT EQ 46641Q209 2,391 42,323 SH   SOLE   0 0 42,323
J P MORGAN EXCHANGE-TRADED F HIGH YLD RESRCH 46641Q878 1,038 21,232 SH   SOLE   0 0 21,232
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 13,405 266,669 SH   SOLE   0 0 266,669
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 4,736 93,514 SH   SOLE   0 0 93,514
JOHNSON & JOHNSON COM 478160104 3,998 22,558 SH   SOLE   0 0 22,558
JPMORGAN CHASE & CO COM 46625H100 28,282 207,468 SH   SOLE   0 0 207,468
LILLY ELI & CO COM 532457108 1,553 5,422 SH   SOLE   0 0 5,422
LOCKHEED MARTIN CORP COM 539830109 286 649 SH   SOLE   0 0 649
LOWES COS INC COM 548661107 1,678 8,301 SH   SOLE   0 0 8,301
LULULEMON ATHLETICA INC COM 550021109 451 1,236 SH   SOLE   0 0 1,236
MASTERCARD INCORPORATED CL A 57636Q104 13,955 39,048 SH   SOLE   0 0 39,048
MCKESSON CORP COM 58155Q103 585 1,910 SH   SOLE   0 0 1,910
MERCK & CO INC COM 58933Y105 428 5,211 SH   SOLE   0 0 5,211
META PLATFORMS INC CL A 30303M102 21,237 95,510 SH   SOLE   0 0 95,510
MICROSOFT CORP COM 594918104 33,975 110,198 SH   SOLE   0 0 110,198
NEW YORK CMNTY CAP TR V UNIT 11/01/2051 64944P307 776 15,045 SH   SOLE   0 0 15,045
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106 519 6,229 SH   SOLE   0 0 6,229
NIKE INC CL B 654106103 12,600 93,640 SH   SOLE   0 0 93,640
NVIDIA CORPORATION COM 67066G104 1,077 3,946 SH   SOLE   0 0 3,946
PEPSICO INC COM 713448108 229 1,369 SH   SOLE   0 0 1,369
PHILIP MORRIS INTL INC COM 718172109 17,445 185,701 SH   SOLE   0 0 185,701
PPL CORP COM 69351T106 9,225 323,005 SH   SOLE   0 0 323,005
PROCTER AND GAMBLE CO COM 742718109 11,747 76,879 SH   SOLE   0 0 76,879
PROSHARES TR LARGE CAP CRE 74347R248 266 4,950 SH   SOLE   0 0 4,950
PROSHARES TR ULTRAPRO SHT QQQ 74347G432 236 7,000 SH   SOLE   0 0 7,000
QUALTRICS INTL INC COM CL A 747601201 428 15,000 SH   SOLE   0 0 15,000
QUEST DIAGNOSTICS INC COM 74834L100 23,746 173,503 SH   SOLE   0 0 173,503
RAYTHEON TECHNOLOGIES CORP COM 75513E101 802 8,093 SH   SOLE   0 0 8,093
SALESFORCE COM INC COM 79466L302 963 4,534 SH   SOLE   0 0 4,534
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 11,609 218,016 SH   SOLE   0 0 218,016
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 10,394 209,801 SH   SOLE   0 0 209,801
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,131 14,340 SH   SOLE   0 0 14,340
SCHWAB STRATEGIC TR US REIT ETF 808524847 224 8,983 SH   SOLE   0 0 8,983
SELECT SECTOR SPDR TR ENERGY 81369Y506 670 8,761 SH   SOLE   0 0 8,761
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 7,871 205,396 SH   SOLE   0 0 205,396
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 543 2,933 SH   SOLE   0 0 2,933
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 240 1,754 SH   SOLE   0 0 1,754
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,004 6,317 SH   SOLE   0 0 6,317
SIGNATURE BK NEW YORK N Y COM 82669G104 763 2,600 SH   SOLE   0 0 2,600
SPDR S&P 500 ETF TR TR UNIT 78462F103 553 1,225 SH   SOLE   0 0 1,225
SPDR SER TR BLOOMBERG INVT 78468R200 1,545 50,680 SH   SOLE   0 0 50,680
SPDR SER TR PORTFOLIO SHORT 78464A474 8,370 277,780 SH   SOLE   0 0 277,780
STARBUCKS CORP COM 855244109 21,058 231,478 SH   SOLE   0 0 231,478
SVB FINANCIAL GROUP COM 78486Q101 976 1,745 SH   SOLE   0 0 1,745
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 2,011 19,287 SH   SOLE   0 0 19,287
TESLA INC COM 88160R101 723 671 SH   SOLE   0 0 671
TRUIST FINL CORP COM 89832Q109 7,814 137,809 SH   SOLE   0 0 137,809
UNION PAC CORP COM 907818108 21,829 79,898 SH   SOLE   0 0 79,898
UNITED PARCEL SERVICE INC CL B 911312106 14,220 66,308 SH   SOLE   0 0 66,308
UNITEDHEALTH GROUP INC COM 91324P102 38,342 75,185 SH   SOLE   0 0 75,185
US BANCORP DEL COM NEW 902973304 9,962 187,426 SH   SOLE   0 0 187,426
VALERO ENERGY CORP COM 91913Y100 239 2,350 SH   SOLE   0 0 2,350
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 17,856 229,217 SH   SOLE   0 0 229,217
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,916 24,084 SH   SOLE   0 0 24,084
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 5,056 102,366 SH   SOLE   0 0 102,366
VANGUARD INDEX FDS GROWTH ETF 922908736 406 1,411 SH   SOLE   0 0 1,411
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 245 1,100 SH   SOLE   0 0 1,100
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 717 4,790 SH   SOLE   0 0 4,790
VANGUARD INDEX FDS MID CAP ETF 922908629 3,451 14,511 SH   SOLE   0 0 14,511
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 9,703 89,533 SH   SOLE   0 0 89,533
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,369 3,298 SH   SOLE   0 0 3,298
VANGUARD INDEX FDS SM CP VAL ETF 922908611 964 5,480 SH   SOLE   0 0 5,480
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,725 31,642 SH   SOLE   0 0 31,642
VANGUARD INDEX FDS SML CP GRW ETF 922908595 215 867 SH   SOLE   0 0 867
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,260 9,925 SH   SOLE   0 0 9,925
VANGUARD INDEX FDS VALUE ETF 922908744 741 5,013 SH   SOLE   0 0 5,013
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 840 14,587 SH   SOLE   0 0 14,587
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,498 205,904 SH   SOLE   0 0 205,904
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 14,625 118,052 SH   SOLE   0 0 118,052
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,577 88,794 SH   SOLE   0 0 88,794
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 13,013 151,240 SH   SOLE   0 0 151,240
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,797 19,183 SH   SOLE   0 0 19,183
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 10,973 140,512 SH   SOLE   0 0 140,512
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 873 5,382 SH   SOLE   0 0 5,382
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 22,759 473,860 SH   SOLE   0 0 473,860
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 624 7,893 SH   SOLE   0 0 7,893
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 623 6,667 SH   SOLE   0 0 6,667
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 288 1,132 SH   SOLE   0 0 1,132
VANGUARD WORLD FDS INF TECH ETF 92204A702 531 1,274 SH   SOLE   0 0 1,274
VERIZON COMMUNICATIONS INC COM 92343V104 26,553 521,253 SH   SOLE   0 0 521,253
VISA INC COM CL A 92826C839 6,604 29,779 SH   SOLE   0 0 29,779
WALMART INC COM 931142103 6,841 45,935 SH   SOLE   0 0 45,935
WASTE MGMT INC DEL COM 94106L109 14,825 93,531 SH   SOLE   0 0 93,531
WEC ENERGY GROUP INC COM 92939U106 8,012 80,269 SH   SOLE   0 0 80,269
WELLS FARGO CO NEW PERP PFD CNV A 949746804 18,578 14,021 SH   SOLE   0 0 14,021
WISDOMTREE TR US QTLY DIV GRT 97717X669 363 5,700 SH   SOLE   0 0 5,700