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 628 3,534 SH   SOLE 0 0 0 3,534
ABBOTT LABS COM 002824100 866 6,157 SH   SOLE 0 0 0 6,157
ABBVIE INC COM 00287Y109 4,076 30,106 SH   SOLE 0 0 0 30,106
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,191 2,874 SH   SOLE 0 0 0 2,874
ALLSTATE CORP COM 020002101 1,394 11,851 SH   SOLE 0 0 0 11,851
ALTRIA GROUP INC COM 02209S103 1,221 25,772 SH   SOLE 0 0 0 25,772
AMDOCS LTD SHS G02602103 1,337 17,861 SH   SOLE 0 0 0 17,861
AMGEN INC COM 031162100 1,732 7,700 SH   SOLE 0 0 0 7,700
APA CORPORATION COM 03743Q108 572 21,276 SH   SOLE 0 0 0 21,276
APPLE INC COM 037833100 856 4,819 SH   SOLE 0 0 0 4,819
APPLIED MATLS INC COM 038222105 287 1,826 SH   SOLE 0 0 0 1,826
AT&T INC COM 00206R102 763 30,997 SH   SOLE 0 0 0 30,997
ATLAS AIR WORLDWIDE HLDGS IN COM NEW 049164205 348 3,695 SH   SOLE 0 0 0 3,695
AVIS BUDGET GROUP COM 053774105 1,008 4,863 SH   SOLE 0 0 0 4,863
BAUSCH HEALTH COS INC COM 071734107 316 11,433 SH   SOLE 0 0 0 11,433
BK OF AMERICA CORP COM 060505104 274 6,150 SH   SOLE 0 0 0 6,150
BLOCK H & R INC COM 093671105 2,223 94,356 SH   SOLE 0 0 0 94,356
BOISE CASCADE CO DEL COM 09739D100 334 4,696 SH   SOLE 0 0 0 4,696
BRISTOL-MYERS SQUIBB CO COM 110122108 811 13,014 SH   SOLE 0 0 0 13,014
BROADCOM INC COM 11135F101 3,650 5,485 SH   SOLE 0 0 0 5,485
BUILDERS FIRSTSOURCE INC COM 12008R107 605 7,054 SH   SOLE 0 0 0 7,054
CALLON PETE CO DEL COM 13123X508 303 6,419 SH   SOLE 0 0 0 6,419
CATERPILLAR INC COM 149123101 416 2,011 SH   SOLE 0 0 0 2,011
CISCO SYS INC COM 17275R102 1,022 16,125 SH   SOLE 0 0 0 16,125
CLOROX CO DEL COM 189054109 564 3,232 SH   SOLE 0 0 0 3,232
COCA COLA CO COM 191216100 220 3,708 SH   SOLE 0 0 0 3,708
COLGATE PALMOLIVE CO COM 194162103 822 9,628 SH   SOLE 0 0 0 9,628
COMCAST CORP NEW CL A 20030N101 222 4,416 SH   SOLE 0 0 0 4,416
COMMUNITY HEALTH SYS INC NEW COM 203668108 223 16,745 SH   SOLE 0 0 0 16,745
CONOCOPHILLIPS COM 20825C104 258 3,577 SH   SOLE 0 0 0 3,577
CONTINENTAL RES INC COM 212015101 452 10,097 SH   SOLE 0 0 0 10,097
COTERRA ENERGY INC COM 127097103 1,038 54,611 SH   SOLE 0 0 0 54,611
CUSTOMERS BANCORP INC COM 23204G100 931 14,243 SH   SOLE 0 0 0 14,243
DATADOG INC CL A COM 23804L103 626 3,517 SH   SOLE 0 0 0 3,517
DEERE & CO COM 244199105 219 638 SH   SOLE 0 0 0 638
DEVON ENERGY CORP NEW COM 25179M103 2,263 51,382 SH   SOLE 0 0 0 51,382
DILLARDS INC CL A 254067101 510 2,081 SH   SOLE 0 0 0 2,081
DISNEY WALT CO COM 254687106 278 1,797 SH   SOLE 0 0 0 1,797
EMERSON ELEC CO COM 291011104 600 6,457 SH   SOLE 0 0 0 6,457
EMPLOYERS HLDGS INC COM 292218104 1,363 32,938 SH   SOLE 0 0 0 32,938
ENCORE WIRE CORP COM 292562105 818 5,715 SH   SOLE 0 0 0 5,715
ENDO INTL PLC SHS G30401106 243 64,507 SH   SOLE 0 0 0 64,507
ENOVA INTL INC COM 29357K103 328 8,015 SH   SOLE 0 0 0 8,015
EOG RES INC COM 26875P101 992 11,170 SH   SOLE 0 0 0 11,170
FMC CORP COM NEW 302491303 1,297 11,805 SH   SOLE 0 0 0 11,805
FORTINET INC COM 34959E109 1,955 5,440 SH   SOLE 0 0 0 5,440
FREEPORT-MCMORAN INC CL B 35671D857 290 6,947 SH   SOLE 0 0 0 6,947
GARTNER INC COM 366651107 1,380 4,129 SH   SOLE 0 0 0 4,129
GENERAL MLS INC COM 370334104 519 7,706 SH   SOLE 0 0 0 7,706
GENERAL MTRS CO COM 37045V100 552 9,408 SH   SOLE 0 0 0 9,408
GILEAD SCIENCES INC COM 375558103 1,080 14,877 SH   SOLE 0 0 0 14,877
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 512 11,621 SH   SOLE 0 0 0 11,621
GOLD FIELDS LTD SPONSORED ADR 38059T106 201 18,249 SH   SOLE 0 0 0 18,249
GROUP 1 AUTOMOTIVE INC COM 398905109 878 4,498 SH   SOLE 0 0 0 4,498
HCA HEALTHCARE INC COM 40412C101 1,071 4,167 SH   SOLE 0 0 0 4,167
HERSHEY CO COM 427866108 202 1,045 SH   SOLE 0 0 0 1,045
HOME DEPOT INC COM 437076102 2,276 5,485 SH   SOLE 0 0 0 5,485
HORMEL FOODS CORP COM 440452100 1,340 27,455 SH   SOLE 0 0 0 27,455
HP INC COM 40434L105 1,018 27,017 SH   SOLE 0 0 0 27,017
ILLINOIS TOOL WKS INC COM 452308109 201 816 SH   SOLE 0 0 0 816
INFOSYS LTD SPONSORED ADR 456788108 842 33,257 SH   SOLE 0 0 0 33,257
INTEL CORP COM 458140100 1,080 20,969 SH   SOLE 0 0 0 20,969
INTERNATIONAL BUSINESS MACHS COM 459200101 840 6,287 SH   SOLE 0 0 0 6,287
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 1,421 43,104 SH   SOLE 0 0 0 43,104
ISHARES INC CORE MSCI EMKT 46434G103 562 9,387 SH   SOLE 0 0 0 9,387
ISHARES TR CORE TOTAL USD 46434V613 527 9,955 SH   SOLE 0 0 0 9,955
ISHARES TR CORE S&P SCP ETF 464287804 903 7,888 SH   SOLE 0 0 0 7,888
ISHARES TR US TREAS BD ETF 46429B267 1,307 49,000 SH   SOLE 0 0 0 49,000
ISHARES TR JPMORGAN USD EMG 464288281 957 8,773 SH   SOLE 0 0 0 8,773
ISHARES TR RUS 1000 ETF 464287622 258 974 SH   SOLE 0 0 0 974
ISHARES TR CORE US AGGBD ET 464287226 3,984 34,922 SH   SOLE 0 0 0 34,922
ISHARES TR CORE S&P TTL STK 464287150 414 3,874 SH   SOLE 0 0 0 3,874
ISHARES TR BROAD USD HIGH 46435U853 632 15,342 SH   SOLE 0 0 0 15,342
ISHARES TR MBS ETF 464288588 2,495 23,224 SH   SOLE 0 0 0 23,224
ISHARES TR CORE S&P500 ETF 464287200 3,324 6,968 SH   SOLE 0 0 0 6,968
ISHARES TR FALN ANGLS USD 46435G474 855 28,524 SH   SOLE 0 0 0 28,524
ISHARES TR CORE MSCI EAFE 46432F842 2,298 30,789 SH   SOLE 0 0 0 30,789
ISHARES TR CORE S&P MCP ETF 464287507 1,736 6,133 SH   SOLE 0 0 0 6,133
ISHARES TR RUS 1000 GRW ETF 464287614 248 810 SH   SOLE 0 0 0 810
ISHARES TR CRE U S REIT ETF 464288521 923 13,649 SH   SOLE 0 0 0 13,649
JOHNSON & JOHNSON COM 478160104 630 3,681 SH   SOLE 0 0 0 3,681
KELLOGG CO COM 487836108 350 5,433 SH   SOLE 0 0 0 5,433
KIMBERLY-CLARK CORP COM 494368103 631 4,417 SH   SOLE 0 0 0 4,417
KLA CORP COM NEW 482480100 283 659 SH   SOLE 0 0 0 659
LAM RESEARCH CORP COM 512807108 307 427 SH   SOLE 0 0 0 427
LANCASTER COLONY CORP COM 513847103 1,110 6,700 SH   SOLE 0 0 0 6,700
LAREDO PETROLEUM INC COM 516806205 364 6,049 SH   SOLE 0 0 0 6,049
LAUDER ESTEE COS INC CL A 518439104 264 713 SH   SOLE 0 0 0 713
LILLY ELI & CO COM 532457108 1,301 4,711 SH   SOLE 0 0 0 4,711
LOCKHEED MARTIN CORP COM 539830109 458 1,289 SH   SOLE 0 0 0 1,289
LOUISIANA PAC CORP COM 546347105 985 12,576 SH   SOLE 0 0 0 12,576
LOWES COS INC COM 548661107 1,640 6,344 SH   SOLE 0 0 0 6,344
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 744 8,072 SH   SOLE 0 0 0 8,072
M/I HOMES INC COM 55305B101 499 8,031 SH   SOLE 0 0 0 8,031
MARRIOTT INTL INC NEW CL A 571903202 1,141 6,906 SH   SOLE 0 0 0 6,906
MASTERCARD INCORPORATED CL A 57636Q104 412 1,148 SH   SOLE 0 0 0 1,148
MATSON INC COM 57686G105 396 4,393 SH   SOLE 0 0 0 4,393
MCDONALDS CORP COM 580135101 1,201 4,481 SH   SOLE 0 0 0 4,481
MCKESSON CORP COM 58155Q103 294 1,184 SH   SOLE 0 0 0 1,184
MEDIFAST INC COM 58470H101 1,600 7,640 SH   SOLE 0 0 0 7,640
MERCADOLIBRE INC COM 58733R102 285 211 SH   SOLE 0 0 0 211
MERCK & CO INC COM 58933Y105 1,504 19,624 SH   SOLE 0 0 0 19,624
META FINL GROUP INC COM 59100U108 306 5,132 SH   SOLE 0 0 0 5,132
MICROSOFT CORP COM 594918104 1,316 3,914 SH   SOLE 0 0 0 3,914
MODERNA INC COM 60770K107 374 1,471 SH   SOLE 0 0 0 1,471
MOODYS CORP COM 615369105 905 2,318 SH   SOLE 0 0 0 2,318
MOTOROLA SOLUTIONS INC COM NEW 620076307 231 852 SH   SOLE 0 0 0 852
NATIONAL BK HLDGS CORP CL A 633707104 1,664 37,859 SH   SOLE 0 0 0 37,859
NAVIENT CORPORATION COM 63938C108 358 16,850 SH   SOLE 0 0 0 16,850
NETAPP INC COM 64110D104 1,172 12,744 SH   SOLE 0 0 0 12,744
NIKE INC CL B 654106103 1,608 9,648 SH   SOLE 0 0 0 9,648
NORTHERN LTS FD TR IV INSPIRE CORP 66538H633 614 23,853 SH   SOLE 0 0 0 23,853
NORTHERN OIL AND GAS INC MN COM 665531307 343 16,647 SH   SOLE 0 0 0 16,647
NOVO-NORDISK A S ADR 670100205 2,670 23,835 SH   SOLE 0 0 0 23,835
NUCOR CORP COM 670346105 1,680 14,717 SH   SOLE 0 0 0 14,717
NVIDIA CORPORATION COM 67066G104 1,410 4,794 SH   SOLE 0 0 0 4,794
OLIN CORP COM PAR $1 680665205 294 5,119 SH   SOLE 0 0 0 5,119
ONE GAS INC COM 68235P108 1,124 14,492 SH   SOLE 0 0 0 14,492
ONEMAIN HLDGS INC COM 68268W103 1,210 24,190 SH   SOLE 0 0 0 24,190
ORACLE CORP COM 68389X105 340 3,904 SH   SOLE 0 0 0 3,904
PAYCHEX INC COM 704326107 934 6,840 SH   SOLE 0 0 0 6,840
PEPSICO INC COM 713448108 224 1,291 SH   SOLE 0 0 0 1,291
PFIZER INC COM 717081103 2,042 34,588 SH   SOLE 0 0 0 34,588
PHILIP MORRIS INTL INC COM 718172109 1,265 13,317 SH   SOLE 0 0 0 13,317
PREMIER INC CL A 74051N102 1,672 40,617 SH   SOLE 0 0 0 40,617
PROCTER AND GAMBLE CO COM 742718109 261 1,596 SH   SOLE 0 0 0 1,596
PURE STORAGE INC CL A 74624M102 568 17,462 SH   SOLE 0 0 0 17,462
QUALCOMM INC COM 747525103 2,151 11,761 SH   SOLE 0 0 0 11,761
QURATE RETAIL INC COM SER A 74915M100 131 17,279 SH   SOLE 0 0 0 17,279
REGENERON PHARMACEUTICALS COM 75886F107 248 392 SH   SOLE 0 0 0 392
RENT A CTR INC NEW COM 76009N100 794 16,518 SH   SOLE 0 0 0 16,518
S&P GLOBAL INC COM 78409V104 311 660 SH   SOLE 0 0 0 660
SANTANDER CONSUMER USA HLDGS COM 80283M101 552 13,128 SH   SOLE 0 0 0 13,128
SCHWAB STRATEGIC TR US TIPS ETF 808524870 390 6,194 SH   SOLE 0 0 0 6,194
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 979 19,363 SH   SOLE 0 0 0 19,363
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 494 8,797 SH   SOLE 0 0 0 8,797
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 1,399 12,379 SH   SOLE 0 0 0 12,379
SPDR GOLD TR GOLD SHS 78463V107 263 1,540 SH   SOLE 0 0 0 1,540
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 312 7,528 SH   SOLE 0 0 0 7,528
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,587 43,509 SH   SOLE 0 0 0 43,509
SPDR SER TR PORTFOLIO S&P600 78468R853 842 18,836 SH   SOLE 0 0 0 18,836
SPDR SER TR PORTFOLIO S&P400 78464A847 1,719 34,557 SH   SOLE 0 0 0 34,557
SPDR SER TR PORTFOLIO S&P500 78464A854 3,193 57,193 SH   SOLE 0 0 0 57,193
STEEL DYNAMICS INC COM 858119100 532 8,569 SH   SOLE 0 0 0 8,569
TANDEM DIABETES CARE INC COM NEW 875372203 670 4,448 SH   SOLE 0 0 0 4,448
TENET HEALTHCARE CORP COM NEW 88033G407 353 4,322 SH   SOLE 0 0 0 4,322
TENNECO INC CL A VTG COM STK 880349105 234 20,734 SH   SOLE 0 0 0 20,734
TESLA INC COM 88160R101 2,004 1,896 SH   SOLE 0 0 0 1,896
TEXAS INSTRS INC COM 882508104 2,048 10,869 SH   SOLE 0 0 0 10,869
THERATECHNOLOGIES INC COM 88338H100 43 14,200 SH   SOLE 0 0 0 14,200
ULTA BEAUTY INC COM 90384S303 984 2,387 SH   SOLE 0 0 0 2,387
UNILEVER PLC SPON ADR NEW 904767704 513 9,543 SH   SOLE 0 0 0 9,543
UNITED PARCEL SERVICE INC CL B 911312106 1,036 4,832 SH   SOLE 0 0 0 4,832
UNITED RENTALS INC COM 911363109 248 746 SH   SOLE 0 0 0 746
UNITED STATES STL CORP NEW COM 912909108 687 28,863 SH   SOLE 0 0 0 28,863
UNITEDHEALTH GROUP INC COM 91324P102 404 805 SH   SOLE 0 0 0 805
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,251 10,784 SH   SOLE 0 0 0 10,784
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 214 4,194 SH   SOLE 0 0 0 4,194
VERITIV CORP COM 923454102 883 7,201 SH   SOLE 0 0 0 7,201
VERIZON COMMUNICATIONS INC COM 92343V104 1,525 29,346 SH   SOLE 0 0 0 29,346
VIRTU FINL INC CL A 928254101 1,488 51,622 SH   SOLE 0 0 0 51,622
VISTA OUTDOOR INC COM 928377100 701 15,206 SH   SOLE 0 0 0 15,206