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 349,822 3,612 SH   SOLE   3,612 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 205,405 1,378 SH   SOLE   1,378 0 0
ADOBE INC COM 00724F101 BBG001S5NCQ5 331,435 650 SH   SOLE   650 0 0
AFLAC INC COM 001055102 BBG001S5NGJ4 217,970 2,840 SH   SOLE   2,840 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 274,806 2,100 SH   SOLE   2,100 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 780,552 5,920 SH   SOLE   5,920 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 968,654 7,620 SH   SOLE   7,620 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 BBG00Q6ZDXT0 612,892 11,610 SH   SOLE   11,610 0 0
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 BBG012NXXGN9 260,640 6,000 SH   SOLE   6,000 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 BBG00Q9MQ6T1 1,152,790 20,715 SH   SOLE   20,715 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 1,056,341 18,260 SH   SOLE   18,260 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 BBG00Q9MPQH1 3,104,026 42,370 SH   SOLE   42,370 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 3,453,185 44,300 SH   SOLE   44,300 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,765,004 10,309 SH   SOLE   10,309 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 BBG001S5ND74 293,761 3,895 SH   SOLE   3,895 0 0
AUTOZONE INC COM 053332102 BBG001S6Q5D9 246,379 97 SH   SOLE   97 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 234,351 669 SH   SOLE   669 0 0
BEST BUY INC COM 086516101 BBG001S5P285 284,827 4,100 SH   SOLE   4,100 0 0
BLACKROCK INC COM 09247X101 BBG001SDBP55 293,506 454 SH   SOLE   454 0 0
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105 BBG003BPM0W5 255,242 13,150 SH   SOLE   13,150 0 0
BP PLC SPONSORED ADR 055622104 BBG001S5W4F5 201,344 5,200 SH   SOLE   5,200 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 384,559 463 SH   SOLE   463 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 369,915 1,355 SH   SOLE   1,355 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 605,983 11,272 SH   SOLE   11,272 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 268,035 6,045 SH   SOLE   6,045 0 0
CONSTELLATION BRANDS INC CL A 21036P108 BBG001SD31G5 226,197 900 SH   SOLE   900 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 287,367 509 SH   SOLE   509 0 0
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 232,850 3,335 SH   SOLE   3,335 0 0
DEERE & CO COM 244199105 BBG001S5QFF7 607,959 1,611 SH   SOLE   1,611 0 0
DELL TECHNOLOGIES INC CL C 24703L202 BBG00DW3SZT0 804,408 11,675 SH   SOLE   11,675 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 481,730 18,450 SH   SOLE   18,450 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 258,225 3,186 SH   SOLE   3,186 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 BBG01BBK3R95 2,295,475 22,140 SH   SOLE   22,140 0 0
EA SERIES TRUST INTL QUAN MOMNTM 02072L300 BBG00BR3YKT6 223,633 9,120 SH   SOLE   9,120 0 0
EA SERIES TRUST US QUAN MOMENTUM 02072L409 BBG00BKYP4L9 1,407,401 32,640 SH   SOLE   32,640 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 BBG001SF2288 216,154 3,120 SH   SOLE   3,120 0 0
ELECTRONIC ARTS INC COM 285512109 BBG001S5T5C9 232,372 1,930 SH   SOLE   1,930 0 0
EQUINOR ASA SPONSORED ADR 29446M102 BBG001SJ3R93 374,134 11,410 SH   SOLE   11,410 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 568,382 4,834 SH   SOLE   4,834 0 0
FEDEX CORP COM 31428X106 BBG001S5R3M5 292,737 1,105 SH   SOLE   1,105 0 0
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 BBG00L4J9BR4 644,020 13,000 SH   SOLE   13,000 0 0
FRANKLIN TEMPLETON ETF TR FTSE BRAZIL 35473P835 BBG00J3M9WL3 276,770 15,050 SH   SOLE   15,050 0 0
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 BBG00L2CKST9 2,639,295 109,742 SH   SOLE   109,742 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376 BBG00VNLZSW4 1,668,848 72,685 SH   SOLE   72,685 0 0
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479 BBG00GW2L2G9 622,225 14,400 SH   SOLE   14,400 0 0
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 261,725 7,220 SH   SOLE   7,220 0 0
HALEON PLC SPON ADS 405552100 BBG018GZNDB0 242,653 29,130 SH   SOLE   29,130 0 0
HCA HEALTHCARE INC COM 40412C101 BBG001T8NTY2 260,739 1,060 SH   SOLE   1,060 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 704,964 2,333 SH   SOLE   2,333 0 0
ICICI BANK LIMITED ADR 45104G104 BBG001SCD3Z1 513,172 22,196 SH   SOLE   22,196 0 0
INFOSYS LTD SPONSORED ADR 456788108 BBG001S6ZLV4 312,429 18,260 SH   SOLE   18,260 0 0
INTEL CORP COM 458140100 BBG001S5SF65 284,827 8,012 SH   SOLE   8,012 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 211,011 1,504 SH   SOLE   1,504 0 0
INVESCO ACTIVELY MANAGED ETF AAA CLO FLTNG RT 46090A721 BBG01BTTD0X8 653,569 25,550 SH   SOLE   25,550 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 3,216,359 143,780 SH   SOLE   143,780 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 214,989 600 SH   SOLE   600 0 0
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 245,400 6,000 SH   SOLE   6,000 0 0
ISHARES INC MSCI HONG KG ETF 464286871 BBG001S5VWX4 179,218 10,450 SH   SOLE   10,450 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 1,094,711 11,295 SH   SOLE   11,295 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 201,520 4,000 SH   SOLE   4,000 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 226,909 910 SH   SOLE   910 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 2,964,597 58,255 SH   SOLE   58,255 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 528,198 10,600 SH   SOLE   10,600 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 1,234,494 25,375 SH   SOLE   25,375 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 520,368 5,860 SH   SOLE   5,860 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 BBG007WGK4B0 232,952 7,400 SH   SOLE   7,400 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 524,072 5,095 SH   SOLE   5,095 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 BBG00LYBQSH3 1,933,904 44,560 SH   SOLE   44,560 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 1,974,647 39,234 SH   SOLE   39,234 0 0
JAPAN SMALLER CAPITALIZATION COM 47109U104 BBG001S6JF54 88,164 12,400 SH   SOLE   12,400 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 568,799 3,652 SH   SOLE   3,652 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 216,915 1,496 SH   SOLE   1,496 0 0
KEYCORP COM 493267108 BBG001S5SKV6 265,804 24,703 SH   SOLE   24,703 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 223,210 1,847 SH   SOLE   1,847 0 0
KROGER CO COM 501044101 BBG001S5SN40 230,239 5,145 SH   SOLE   5,145 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 216,779 1,245 SH   SOLE   1,245 0 0
LENNAR CORP CL A 526057104 BBG001S5SRK3 398,978 3,555 SH   SOLE   3,555 0 0
MATCH GROUP INC NEW COM 57667L107 BBG00VT0KP47 397,235 10,140 SH   SOLE   10,140 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 614,342 2,332 SH   SOLE   2,332 0 0
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 662,711 1,524 SH   SOLE   1,524 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 388,122 3,770 SH   SOLE   3,770 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 480,336 1,600 SH   SOLE   1,600 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,945,652 6,162 SH   SOLE   6,162 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209 BBG001S5VQ21 208,639 3,281 SH   SOLE   3,281 0 0
MORGAN STANLEY EMKT DBT FD I COM 61744H105 BBG001S6S574 168,909 26,026 SH   SOLE   26,026 0 0
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 1,072,183 11,790 SH   SOLE   11,790 0 0
NUTRIEN LTD COM 67077M108 BBG00JM9SM69 234,070 3,790 SH   SOLE   3,790 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 BBG001SKQWJ3 140,360 14,500 SH   SOLE   14,500 0 0
NUVEEN VRIABL RAT PFD & INM COM 67080R102 BBG011B9SY72 636,202 40,600 SH   SOLE   40,600 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 536,167 5,062 SH   SOLE   5,062 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 304,000 19,000 SH   SOLE   19,000 0 0
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 248,806 4,256 SH   SOLE   4,256 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 272,195 5,500 SH   SOLE   5,500 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 366,984 2,516 SH   SOLE   2,516 0 0
PROGRESSIVE CORP COM 743315103 BBG001S5V509 478,774 3,437 SH   SOLE   3,437 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 321,852 2,898 SH   SOLE   2,898 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 201,300 2,797 SH   SOLE   2,797 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 740,147 3,650 SH   SOLE   3,650 0 0
SANOFI SPONSORED ADR 80105N105 BBG001S5W768 248,621 4,635 SH   SOLE   4,635 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 489,092 14,402 SH   SOLE   14,402 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 367,847 11,615 SH   SOLE   11,615 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 1,034,169 32,177 SH   SOLE   32,177 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 3,662,031 73,461 SH   SOLE   73,461 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 1,026,203 15,920 SH   SOLE   15,920 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 287,041 1,751 SH   SOLE   1,751 0 0
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 570,729 8,865 SH   SOLE   8,865 0 0
SONY GROUP CORP SPONSORED ADR 835699307 BBG001S5W6H8 387,327 4,700 SH   SOLE   4,700 0 0
SPDR SER TR BLOOMBERG INVT 78468R200 BBG0029J2J00 245,760 8,000 SH   SOLE   8,000 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 794,623 10,980 SH   SOLE   10,980 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 BBG004DF1DW8 2,615,510 62,378 SH   SOLE   62,378 0 0
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 BBG005D236G5 479,213 11,900 SH   SOLE   11,900 0 0
STRYKER CORPORATION COM 863667101 BBG001S8FR03 450,896 1,650 SH   SOLE   1,650 0 0
SYNOPSYS INC COM 871607107 BBG001S5VTR8 495,688 1,080 SH   SOLE   1,080 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 380,274 4,376 SH   SOLE   4,376 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 BBG001S9TN41 363,610 2,590 SH   SOLE   2,590 0 0
TE CONNECTIVITY LTD SHS H84989104 BBG001STLRP3 232,607 1,883 SH   SOLE   1,883 0 0
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 226,907 1,427 SH   SOLE   1,427 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 202,468 400 SH   SOLE   400 0 0
UBS GROUP AG SHS H42097107 BBG007936GX0 323,778 13,135 SH   SOLE   13,135 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 316,127 627 SH   SOLE   627 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353 BBG002YJGHH3 1,188,505 66,695 SH   SOLE   66,695 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 389,156 2,440 SH   SOLE   2,440 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,227,119 10,485 SH   SOLE   10,485 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 237,929 1,725 SH   SOLE   1,725 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 227,026 5,790 SH   SOLE   5,790 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 1,208,004 25,550 SH   SOLE   25,550 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 774,906 17,700 SH   SOLE   17,700 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,087,473 20,319 SH   SOLE   20,319 0 0
VANGUARD WELLINGTON FD US MOMENTUM 921935508 BBG00K26BG83 366,247 3,230 SH   SOLE   3,230 0 0
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 BBG00K26C194 820,915 7,950 SH   SOLE   7,950 0 0
VIATRIS INC COM 92556V106 BBG00Y52JV51 108,371 10,991 SH   SOLE   10,991 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 385,037 1,674 SH   SOLE   1,674 0 0
WALMART INC COM 931142103 BBG001S5XH92 411,820 2,575 SH   SOLE   2,575 0 0
WESTERN ASSET EMERGING MKTS COM 95766A101 BBG001SCCJM1 165,170 19,900 SH   SOLE   19,900 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 259,056 5,600 SH   SOLE   5,600 0 0
YUM CHINA HLDGS INC COM 98850P109 BBG00B8N0HH0 228,173 4,095 SH   SOLE   4,095 0 0