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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 BBG001S5N9M6 396,561 3,612 SH   SOLE   3,612 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 222,699 1,378 SH   SOLE   1,378 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 218,745 650 SH   SOLE   650 0 0
AFLAC INC COM 001055102 BBG001S5NGJ4 204,311 2,840 SH   SOLE   2,840 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 525,282 5,920 SH   SOLE   5,920 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 640,080 7,620 SH   SOLE   7,620 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 BBG00Q6ZDXT0 525,186 10,410 SH   SOLE   10,410 0 0
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 BBG012NXXGN9 286,860 7,000 SH   SOLE   7,000 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 BBG00Q9MQ6T1 1,059,545 19,920 SH   SOLE   19,920 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 1,021,763 18,460 SH   SOLE   18,460 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 BBG00Q9MPQH1 2,639,471 38,810 SH   SOLE   38,810 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 3,691,971 49,550 SH   SOLE   49,550 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,339,446 10,309 SH   SOLE   10,309 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 BBG001S5ND74 361,653 3,895 SH   SOLE   3,895 0 0
AUTOZONE INC COM 053332102 BBG001S6Q5D9 239,221 97 SH   SOLE   97 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 206,654 669 SH   SOLE   669 0 0
BEST BUY INC COM 086516101 BBG001S5P285 328,858 4,100 SH   SOLE   4,100 0 0
BLACKROCK INC COM 09247X101 BBG001SDBP55 321,717 454 SH   SOLE   454 0 0
BP PLC SPONSORED ADR 055622104 BBG001S5W4F5 211,327 6,050 SH   SOLE   6,050 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 217,171 3,018 SH   SOLE   3,018 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 258,877 463 SH   SOLE   463 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 324,603 1,355 SH   SOLE   1,355 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 536,998 11,272 SH   SOLE   11,272 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 213,493 6,105 SH   SOLE   6,105 0 0
CONAGRA BRANDS INC COM 205887102 BBG001S5PGY5 266,064 6,875 SH   SOLE   6,875 0 0
CONSTELLATION BRANDS INC CL A 21036P108 BBG001SD31G5 208,575 900 SH   SOLE   900 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 232,199 509 SH   SOLE   509 0 0
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 343,872 3,690 SH   SOLE   3,690 0 0
DEERE & CO COM 244199105 BBG001S5QFF7 690,732 1,611 SH   SOLE   1,611 0 0
DELL TECHNOLOGIES INC CL C 24703L202 BBG00DW3SZT0 620,634 15,431 SH   SOLE   15,431 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 461,988 18,450 SH   SOLE   18,450 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 265,505 3,056 SH   SOLE   3,056 0 0
EA SERIES TRUST US QUAN MOMENTUM 02072L409 BBG00BKYP4L9 1,395,814 30,390 SH   SOLE   30,390 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 BBG001SF2288 232,783 3,120 SH   SOLE   3,120 0 0
ELECTRONIC ARTS INC COM 285512109 BBG001S5T5C9 211,372 1,730 SH   SOLE   1,730 0 0
EQUINOR ASA SPONSORED ADR 29446M102 BBG001SJ3R93 408,594 11,410 SH   SOLE   11,410 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 533,192 4,834 SH   SOLE   4,834 0 0
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 BBG00L4J9BR4 643,240 13,000 SH   SOLE   13,000 0 0
FRANKLIN TEMPLETON ETF TR FTSE BRAZIL 35473P835 BBG00J3M9WL3 259,312 15,050 SH   SOLE   15,050 0 0
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 BBG00L2CKST9 1,864,214 80,938 SH   SOLE   80,938 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376 BBG00VNLZSW4 1,001,566 44,514 SH   SOLE   44,514 0 0
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 253,712 7,220 SH   SOLE   7,220 0 0
HALEON PLC SPON ADS 405552100 BBG018GZNDB0 233,040 29,130 SH   SOLE   29,130 0 0
HCA HEALTHCARE INC COM 40412C101 BBG001T8NTY2 254,358 1,060 SH   SOLE   1,060 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 736,927 2,333 SH   SOLE   2,333 0 0
ICICI BANK LIMITED ADR 45104G104 BBG001SCD3Z1 485,872 22,196 SH   SOLE   22,196 0 0
INFOSYS LTD SPONSORED ADR 456788108 BBG001S6ZLV4 328,863 18,260 SH   SOLE   18,260 0 0
INTEL CORP COM 458140100 BBG001S5SF65 224,973 8,512 SH   SOLE   8,512 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 211,900 1,504 SH   SOLE   1,504 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 4,586,753 204,857 SH   SOLE   204,857 0 0
ISHARES INC MSCI EMERG MKT 46434G889 BBG00BM64QL2 246,240 6,000 SH   SOLE   6,000 0 0
ISHARES INC MSCI HONG KG ETF 464286871 BBG001S5VWX4 219,556 10,450 SH   SOLE   10,450 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 212,920 4,255 SH   SOLE   4,255 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 220,120 910 SH   SOLE   910 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 4,834,955 96,065 SH   SOLE   96,065 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 692,498 13,900 SH   SOLE   13,900 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 561,142 6,050 SH   SOLE   6,050 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 BBG007WGK4B0 228,142 7,400 SH   SOLE   7,400 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,651,117 15,835 SH   SOLE   15,835 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 BBG00M8D2458 2,693,519 53,300 SH   SOLE   53,300 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 BBG00LYBQSH3 1,611,331 35,445 SH   SOLE   35,445 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 3,135,349 63,649 SH   SOLE   63,649 0 0
JAPAN SMALLER CAPITALIZATION COM 47109U104 BBG001S6JF54 80,352 12,400 SH   SOLE   12,400 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 646,715 3,661 SH   SOLE   3,661 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 200,581 1,496 SH   SOLE   1,496 0 0
KEYCORP COM 493267108 BBG001S5SKV6 514,273 29,522 SH   SOLE   29,522 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 250,730 1,847 SH   SOLE   1,847 0 0
KROGER CO COM 501044101 BBG001S5SN40 229,365 5,145 SH   SOLE   5,145 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 259,222 1,245 SH   SOLE   1,245 0 0
LENNAR CORP CL A 526057104 BBG001S5SRK3 321,728 3,555 SH   SOLE   3,555 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 231,569 476 SH   SOLE   476 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 614,553 2,332 SH   SOLE   2,332 0 0
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 534,170 1,424 SH   SOLE   1,424 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 418,283 3,770 SH   SOLE   3,770 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,477,774 6,162 SH   SOLE   6,162 0 0
MORGAN STANLEY EMKT DBT FD I COM 61744H105 BBG001S6S574 235,610 36,026 SH   SOLE   36,026 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 217,756 1,861 SH   SOLE   1,861 0 0
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 802,566 5,930 SH   SOLE   5,930 0 0
NUTRIEN LTD COM 67077M108 BBG00JM9SM69 313,297 4,290 SH   SOLE   4,290 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 413,769 5,062 SH   SOLE   5,062 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 134,820 21,000 SH   SOLE   21,000 0 0
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 377,893 5,306 SH   SOLE   5,306 0 0
PFIZER INC COM 717081103 BBG001S5V466 388,655 7,585 SH   SOLE   7,585 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 381,326 2,516 SH   SOLE   2,516 0 0
PROGRESSIVE CORP COM 743315103 BBG001S5V509 445,813 3,437 SH   SOLE   3,437 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 318,607 2,898 SH   SOLE   2,898 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 282,273 2,797 SH   SOLE   2,797 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 483,953 3,650 SH   SOLE   3,650 0 0
SANOFI SPONSORED ADR 80105N105 BBG001S5W768 206,312 4,260 SH   SOLE   4,260 0 0
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 263,685 3,167 SH   SOLE   3,167 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 463,889 14,402 SH   SOLE   14,402 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 346,834 11,931 SH   SOLE   11,931 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 1,012,981 32,405 SH   SOLE   32,405 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 3,252,758 72,590 SH   SOLE   72,590 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 1,064,242 16,120 SH   SOLE   16,120 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 217,894 1,751 SH   SOLE   1,751 0 0
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 514,545 9,035 SH   SOLE   9,035 0 0
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205 BBG001SDCF10 213,241 7,930 SH   SOLE   7,930 0 0
SONY GROUP CORPORATION SPONSORED ADR 835699307 BBG001S5W6H8 358,516 4,700 SH   SOLE   4,700 0 0
SPDR SER TR BLOOMBERG INVT 78468R200 BBG0029J2J00 311,498 10,250 SH   SOLE   10,250 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 555,166 7,480 SH   SOLE   7,480 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 BBG004DF1DW8 3,941,047 96,358 SH   SOLE   96,358 0 0
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 BBG005D236G5 239,910 6,000 SH   SOLE   6,000 0 0
STRYKER CORPORATION COM 863667101 BBG001S8FR03 403,409 1,650 SH   SOLE   1,650 0 0
SYNOPSYS INC COM 871607107 BBG001S5VTR8 344,833 1,080 SH   SOLE   1,080 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 331,555 4,451 SH   SOLE   4,451 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 BBG001S9TN41 269,697 2,590 SH   SOLE   2,590 0 0
TE CONNECTIVITY LTD SHS H84989104 BBG001STLRP3 216,168 1,883 SH   SOLE   1,883 0 0
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 235,769 1,427 SH   SOLE   1,427 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 220,276 400 SH   SOLE   400 0 0
TYSON FOODS INC CL A 902494103 BBG001S871D5 214,452 3,445 SH   SOLE   3,445 0 0
UBS GROUP AG SHS H42097107 BBG007936GX0 245,231 13,135 SH   SOLE   13,135 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 332,423 627 SH   SOLE   627 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353 BBG002YJGHH3 1,487,032 81,660 SH   SOLE   81,660 0 0
VANECK ETF TRUST IG FLOATING RATE 92189F486 BBG001V14Q53 781,232 31,400 SH   SOLE   31,400 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 387,472 2,440 SH   SOLE   2,440 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,003,673 10,480 SH   SOLE   10,480 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 242,139 1,725 SH   SOLE   1,725 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 225,694 5,790 SH   SOLE   5,790 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 1,877,276 40,190 SH   SOLE   40,190 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,009,523 19,519 SH   SOLE   19,519 0 0
VANGUARD WELLINGTON FD US MOMENTUM 921935508 BBG00K26BG83 419,741 3,680 SH   SOLE   3,680 0 0
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 BBG00K26C194 801,544 8,110 SH   SOLE   8,110 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 201,059 5,103 SH   SOLE   5,103 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 347,790 1,674 SH   SOLE   1,674 0 0
VMWARE INC CL A COM 928563402 BBG001S6TFZ0 716,060 5,833 SH   SOLE   5,833 0 0
WALMART INC COM 931142103 BBG001S5XH92 365,109 2,575 SH   SOLE   2,575 0 0
WESTERN ASSET EMERGING MKTS COM 95766A101 BBG001SCCJM1 181,289 19,900 SH   SOLE   19,900 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103 BBG001SHY2Q9 207,893 850 SH   SOLE   850 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 246,344 5,600 SH   SOLE   5,600 0 0
YUM CHINA HLDGS INC COM 98850P109 BBG00B8N0HH0 223,794 4,095 SH   SOLE   4,095 0 0