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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
ADOBE INC COM 00724F101   3,243,949 6,367 SH   SOLE   0 0 6,367
ALLY FINL INC COM 02005N100   795,631 30,126 SH   SOLE   0 0 30,126
ALPHABET INC CAP STK CL A 02079K305   259,563 1,960 SH   SOLE   0 0 1,960
AMAZON COM INC COM 023135106   1,717,386 13,555 SH   SOLE   0 0 13,555
AMERICAN EXPRESS CO COM 025816109   1,500,278 10,100 SH   SOLE   0 0 10,100
ELEVANCE HEALTH INC COM 036752103   1,846,572 4,244 SH   SOLE   0 0 4,244
APPLE INC COM 037833100   2,403,288 14,021 SH   SOLE   0 0 14,021
BP PLC SPONSORED ADR 055622104   1,305,394 33,855 SH   SOLE   0 0 33,855
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,196,256 3,427 SH   SOLE   0 0 3,427
BOOKING HOLDINGS INC COM 09857L108   783,115 255 SH   SOLE   0 0 255
BRUNSWICK CORP COM 117043109   1,054,529 13,437 SH   SOLE   0 0 13,437
CRH PLC ADR 12626K203   667,487 12,196 SH   SOLE   0 0 12,196
CAPITAL ONE FINL CORP COM 14040H105   766,994 7,941 SH   SOLE   0 0 7,941
CARRIER GLOBAL CORPORATION COM 14448C104   1,765,261 32,124 SH   SOLE   0 0 32,124
CENTENE CORP DEL COM 15135B101   1,708,088 24,835 SH   SOLE   0 0 24,835
CONOCOPHILLIPS COM 20825C104   1,259,574 10,548 SH   SOLE   0 0 10,548
CONSTELLATION BRANDS INC CL A 21036P108   1,351,827 5,386 SH   SOLE   0 0 5,386
DBX ETF TR XTRCKR MSCI US 233051150   288,725 7,280 SH   SOLE   0 0 7,280
DANAHER CORPORATION COM 235851102   1,259,931 5,173 SH   SOLE   0 0 5,173
DIAGEO PLC SPON ADR NEW 25243Q205   573,565 3,848 SH   SOLE   0 0 3,848
DIAMONDBACK ENERGY INC COM 25278X109   802,121 5,193 SH   SOLE   0 0 5,193
HCA HEALTHCARE INC COM 40412C101   850,899 3,463 SH   SOLE   0 0 3,463
INUVO INC COM NEW 46122W204   15,585 72,828 SH   SOLE   0 0 72,828
ISHARES TR JPMORGAN USD EMG 464288281   1,210,073 14,664 SH   SOLE   0 0 14,664
ISHARES TR IBOXX HI YD ETF 464288513   670,637 9,097 SH   SOLE   0 0 9,097
JPMORGAN CHASE & CO COM 46625H100   889,118 6,131 SH   SOLE   0 0 6,131
KROGER CO COM 501044101   1,008,846 22,584 SH   SOLE   0 0 22,584
LEAR CORP COM NEW 521865204   836,413 6,264 SH   SOLE   0 0 6,264
ELI LILLY & CO COM 532457108   1,727,313 3,228 SH   SOLE   0 0 3,228
MASTERCARD INCORPORATED CL A 57636Q104   1,718,684 4,349 SH   SOLE   0 0 4,349
MICROSOFT CORP COM 594918104   2,893,858 9,177 SH   SOLE   0 0 9,177
MONSTER BEVERAGE CORP NEW COM 61174X109   835,745 15,887 SH   SOLE   0 0 15,887
NATIONAL GRID PLC SPONSORED ADR NE 636274409   732,028 12,176 SH   SOLE   0 0 12,176
NEXTERA ENERGY INC COM 65339F101   565,876 9,921 SH   SOLE   0 0 9,921
NVIDIA CORPORATION COM 67066G104   3,203,440 7,364 SH   SOLE   0 0 7,364
OCCIDENTAL PETE CORP COM 674599105   1,034,152 16,054 SH   SOLE   0 0 16,054
PALO ALTO NETWORKS INC COM 697435105   1,600,883 6,840 SH   SOLE   0 0 6,840
PARKER-HANNIFIN CORP COM 701094104   1,672,424 4,309 SH   SOLE   0 0 4,309
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   1,437,757 15,922 SH   SOLE   0 0 15,922
PIMCO ETF TR INV GRD CRP BD 72201R817   609,319 6,687 SH   SOLE   0 0 6,687
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   4,616,057 91,425 SH   SOLE   0 0 91,425
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,895,571 25,871 SH   SOLE   0 0 25,871
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,840,509 25,432 SH   SOLE   0 0 25,432
SPDR SER TR PORTFOLIO AGRGTE 78464A649   4,182,878 171,852 SH   SOLE   0 0 171,852
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,899,255 27,470 SH   SOLE   0 0 27,470
SPDR SER TR S&P 400 MDCP VAL 78464A839   1,890,583 29,149 SH   SOLE   0 0 29,149
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,327,755 26,635 SH   SOLE   0 0 26,635
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,638,678 131,199 SH   SOLE   0 0 131,199
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   4,036,226 55,504 SH   SOLE   0 0 55,504
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   3,024,180 46,916 SH   SOLE   0 0 46,916
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,729,517 66,237 SH   SOLE   0 0 66,237
SCHWAB STRATEGIC TR LONG TERM US 808524680   1,199,373 37,859 SH   SOLE   0 0 37,859
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,406,562 129,757 SH   SOLE   0 0 129,757
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   241,230 5,454 SH   SOLE   0 0 5,454
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   2,035,005 42,449 SH   SOLE   0 0 42,449
SELECT SECTOR SPDR TR ENERGY 81369Y506   405,153 4,482 SH   SOLE   0 0 4,482
SONY GROUP CORP SPONSORED ADR 835699307   1,242,920 15,114 SH   SOLE   0 0 15,114
T-MOBILE US INC COM 872590104   1,077,767 7,721 SH   SOLE   0 0 7,721
TESLA INC COM 88160R101   487,913 1,959 SH   SOLE   0 0 1,959
UNION PAC CORP COM 907818108   899,857 4,419 SH   SOLE   0 0 4,419
UNITED PARCEL SERVICE INC CL B 911312106   1,057,126 6,796 SH   SOLE   0 0 6,796
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,475,725 35,479 SH   SOLE   0 0 35,479
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   250,513 6,389 SH   SOLE   0 0 6,389
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,120,813 14,914 SH   SOLE   0 0 14,914
VISA INC COM CL A 92826C839   1,674,771 7,287 SH   SOLE   0 0 7,287