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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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
ADOBE SYSTEMS INCORPORATED COM 00724F101 2,560 5,718 SH   SOLE   0 0 5,718
ALLY FINL INC COM 02005N100 1,069 24,595 SH   SOLE   0 0 24,595
AMAZON COM INC COM 023135106 1,914 587 SH   SOLE   0 0 587
AMERICAN EXPRESS CO COM 025816109 175 938 SH   SOLE   0 0 938
AMERICAN EXPRESS CO COM 025816109 1,339 7,161 SH   SOLE   0 0 7,161
ANTHEM INC COM 036752103 2,051 4,176 SH   SOLE   0 0 4,176
ANTHEM INC COM 036752103 70 143 SH   SOLE   0 0 143
APPLE INC COM 037833100 1,668 9,555 SH   SOLE   0 0 9,555
APPLE INC COM 037833100 160 916 SH   SOLE   0 0 916
BK OF AMERICA CORP COM 060505104 80 1,952 SH   SOLE   0 0 1,952
BK OF AMERICA CORP COM 060505104 687 16,668 SH   SOLE   0 0 16,668
BRUNSWICK CORP COM 117043109 840 10,379 SH   SOLE   0 0 10,379
CRH PLC ADR 12626K203 739 18,452 SH   SOLE   0 0 18,452
CAPITAL ONE FINL CORP COM 14040H105 1,590 12,108 SH   SOLE   0 0 12,108
CARRIER GLOBAL CORPORATION COM 14448C104 1,159 25,258 SH   SOLE   0 0 25,258
CENTENE CORP DEL COM 15135B101 1,706 20,266 SH   SOLE   0 0 20,266
COMCAST CORP NEW CL A 20030N101 932 19,903 SH   SOLE   0 0 19,903
CONOCOPHILLIPS COM 20825C104 932 9,321 SH   SOLE   0 0 9,321
CONSTELLATION BRANDS INC CL A 21036P108 1,105 4,797 SH   SOLE   0 0 4,797
DBX ETF TR XTRCKR MSCI US 233051150 303 7,280 SH   SOLE   0 0 7,280
DANAHER CORPORATION COM 235851102 1,171 3,992 SH   SOLE   0 0 3,992
DIAMONDBACK ENERGY INC COM 25278X109 1,195 8,718 SH   SOLE   0 0 8,718
EAGLE MATLS INC COM 26969P108 753 5,863 SH   SOLE   0 0 5,863
META PLATFORMS INC CL A 30303M102 796 3,578 SH   SOLE   0 0 3,578
FIRST REP BK SAN FRANCISCO C COM 33616C100 1,238 7,640 SH   SOLE   0 0 7,640
HCA HEALTHCARE INC COM 40412C101 1,353 5,397 SH   SOLE   0 0 5,397
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 1,130 49,964 SH   SOLE   0 0 49,964
ISHARES TR IBOXX HI YD ETF 464288513 683 8,304 SH   SOLE   0 0 8,304
ISHARES TR MSCI USA MMENTM 46432F396 1,811 10,761 SH   SOLE   0 0 10,761
LEAR CORP COM NEW 521865204 685 4,803 SH   SOLE   0 0 4,803
MASTERCARD INCORPORATED CL A 57636Q104 1,262 3,530 SH   SOLE   0 0 3,530
MATCH GROUP INC NEW COM 57667L107 926 8,519 SH   SOLE   0 0 8,519
MICROSOFT CORP COM 594918104 1,683 5,459 SH   SOLE   0 0 5,459
MONSTER BEVERAGE CORP NEW COM 61174X109 1,063 13,304 SH   SOLE   0 0 13,304
MOTOROLA SOLUTIONS INC COM NEW 620076307 659 2,722 SH   SOLE   0 0 2,722
NVIDIA CORPORATION COM 67066G104 2,964 10,863 SH   SOLE   0 0 10,863
PALO ALTO NETWORKS INC COM 697435105 1,961 3,197 SH   SOLE   0 0 3,197
PARKER-HANNIFIN CORP COM 701094104 954 3,361 SH   SOLE   0 0 3,361
PAYPAL HLDGS INC COM 70450Y103 634 5,621 SH   SOLE   0 0 5,621
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1,991 20,694 SH   SOLE   0 0 20,694
PIMCO ETF TR INV GRD CRP BD 72201R817 5,400 51,857 SH   SOLE   0 0 51,857
REGIONS FINANCIAL CORP NEW COM 7591EP100 820 36,828 SH   SOLE   0 0 36,828
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 4,809 87,747 SH   SOLE   0 0 87,747
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,970 23,500 SH   SOLE   0 0 23,500
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,108 25,298 SH   SOLE   0 0 25,298
SPDR SER TR S&P 400 MDCP GRW 78464A821 1,951 26,295 SH   SOLE   0 0 26,295
SPDR SER TR S&P 400 MDCP VAL 78464A839 2,095 29,768 SH   SOLE   0 0 29,768
SALESFORCE COM INC COM 79466L302 1,142 5,378 SH   SOLE   0 0 5,378
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,087 113,029 SH   SOLE   0 0 113,029
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,072 54,423 SH   SOLE   0 0 54,423
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,304 46,275 SH   SOLE   0 0 46,275
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,340 49,414 SH   SOLE   0 0 49,414
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,395 119,701 SH   SOLE   0 0 119,701
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,654 52,476 SH   SOLE   0 0 52,476
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 2,578 48,406 SH   SOLE   0 0 48,406
SONY GROUP CORPORATION SPONSORED ADR 835699307 1,336 13,005 SH   SOLE   0 0 13,005
T-MOBILE US INC COM 872590104 854 6,653 SH   SOLE   0 0 6,653
TESLA INC COM 88160R101 992 921 SH   SOLE   0 0 921
UNION PAC CORP COM 907818108 1,385 5,071 SH   SOLE   0 0 5,071
UNITED PARCEL SERVICE INC CL B 911312106 1,152 5,372 SH   SOLE   0 0 5,372
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 261 5,650 SH   SOLE   0 0 5,650
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,205 11,123 SH   SOLE   0 0 11,123
VANGUARD INDEX FDS SMALL CP ETF 922908751 708 3,330 SH   SOLE   0 0 3,330
VISA INC COM CL A 92826C839 1,389 6,264 SH   SOLE   0 0 6,264
YETI HLDGS INC COM 98585X104 1,024 17,078 SH   SOLE   0 0 17,078