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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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
CRH PLC ORD G25508105   239,985 3,470 SH   SOLE   0 0 3,470
ASML HOLDING N V N Y REGISTRY SHS N07059210   419,496 632 SH   SOLE   0 0 632
ADOBE INC COM 00724F101   3,791,628 7,285 SH   SOLE   0 0 7,285
ALLY FINL INC COM 02005N100   949,942 34,545 SH   SOLE   0 0 34,545
ALPHABET INC CAP STK CL A 02079K305   1,535,743 11,580 SH   SOLE   0 0 11,580
AMAZON COM INC COM 023135106   1,961,250 15,160 SH   SOLE   0 0 15,160
AMAZON COM INC COM 023135106   115,474 760 SH   SOLE   0 0 760
AMERICAN EXPRESS CO COM 025816109   3,000,556 20,200 SH   SOLE   0 0 20,200
AMERICAN EXPRESS CO COM 025816109   591,994 3,160 SH   SOLE   0 0 3,160
ELEVANCE HEALTH INC COM 036752103   3,693,144 8,488 SH   SOLE   0 0 8,488
ELEVANCE HEALTH INC COM 036752103   666,786 1,414 SH   SOLE   0 0 1,414
APPLE INC COM 037833100   4,806,575 28,042 SH   SOLE   0 0 28,042
APPLE INC COM 037833100   884,483 4,594 SH   SOLE   0 0 4,594
BP PLC SPONSORED ADR 055622104   1,459,030 38,195 SH   SOLE   0 0 38,195
BP PLC SPONSORED ADR 055622104   19,293 545 SH   SOLE   0 0 545
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,392,513 6,854 SH   SOLE   0 0 6,854
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   420,145 1,178 SH   SOLE   0 0 1,178
BOOKING HOLDINGS INC COM 09857L108   942,740 300 SH   SOLE   0 0 300
BRUNSWICK CORP COM 117043109   1,278,602 15,753 SH   SOLE   0 0 15,753
CAPITAL ONE FINL CORP COM 14040H105   887,624 8,861 SH   SOLE   0 0 8,861
CARRIER GLOBAL CORPORATION COM 14448C104   2,038,264 36,876 SH   SOLE   0 0 36,876
CENTENE CORP DEL COM 15135B101   2,003,370 28,814 SH   SOLE   0 0 28,814
CONOCOPHILLIPS COM 20825C104   1,474,652 12,401 SH   SOLE   0 0 12,401
CONSTELLATION BRANDS INC CL A 21036P108   1,499,778 5,998 SH   SOLE   0 0 5,998
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   605,319 4,066 SH   SOLE   0 0 4,066
DIAMONDBACK ENERGY INC COM 25278X109   886,485 5,737 SH   SOLE   0 0 5,737
HCA HEALTHCARE INC COM 40412C101   976,765 3,928 SH   SOLE   0 0 3,928
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
JACOBS SOLUTIONS INC COM 46982L108   268,472 2,042 SH   SOLE   0 0 2,042
KEURIG DR PEPPER INC COM 49271V100   204,551 6,139 SH   SOLE   0 0 6,139
KROGER CO COM 501044101   1,179,161 26,310 SH   SOLE   0 0 26,310
LEAR CORP COM NEW 521865204   985,248 7,318 SH   SOLE   0 0 7,318
ELI LILLY & CO COM 532457108   2,046,753 3,776 SH   SOLE   0 0 3,776
MASTERCARD INCORPORATED CL A 57636Q104   1,993,783 4,994 SH   SOLE   0 0 4,994
MERCK & CO INC COM 58933Y105   933,193 9,004 SH   SOLE   0 0 9,004
MICROSOFT CORP COM 594918104   3,486,873 10,754 SH   SOLE   0 0 10,754
MONSTER BEVERAGE CORP NEW COM 61174X109   974,009 18,287 SH   SOLE   0 0 18,287
NATIONAL GRID PLC SPONSORED ADR NE 636274409   868,960 14,190 SH   SOLE   0 0 14,190
NEXTERA ENERGY INC COM 65339F101   565,876 9,921 SH   SOLE   0 0 9,921
NVIDIA CORPORATION COM 67066G104   3,630,320 8,226 SH   SOLE   0 0 8,226
OCCIDENTAL PETE CORP COM 674599105   1,217,521 19,125 SH   SOLE   0 0 19,125
PACER FDS TR PACER US SMALL 69374H857   252,638 5,260 SH   SOLE   0 0 5,260
PALO ALTO NETWORKS INC COM 697435105   1,891,045 7,824 SH   SOLE   0 0 7,824
PARKER-HANNIFIN CORP COM 701094104   2,038,680 5,104 SH   SOLE   0 0 5,104
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   2,982,912 71,601 SH   SOLE   0 0 71,601
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   1,450,007 17,301 SH   SOLE   0 0 17,301
T-MOBILE US INC COM 872590104   1,238,257 8,722 SH   SOLE   0 0 8,722
TESLA INC COM 88160R101   641,474 2,577 SH   SOLE   0 0 2,577
UNION PAC CORP COM 907818108   1,029,790 4,948 SH   SOLE   0 0 4,948
UNITED PARCEL SERVICE INC CL B 911312106   1,217,815 7,818 SH   SOLE   0 0 7,818
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   1,959,334 8,380 SH   SOLE   0 0 8,380
YETI HLDGS INC COM 98585X104   316,545 8,352 SH   SOLE   0 0 8,352