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 487,460 3,584 SH   SOLE   3,584 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 255,784 1,378 SH   SOLE   1,378 0 0
ADOBE INC COM 00724F101 BBG001S5NCQ5 241,800 625 SH   SOLE   625 0 0
AES CORP COM 00130H105 BBG001S6B1L5 212,346 20,185 SH   SOLE   20,185 0 0
AFLAC INC COM 001055102 BBG001S5NGJ4 335,890 3,185 SH   SOLE   3,185 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 370,083 2,100 SH   SOLE   2,100 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,039,505 5,860 SH   SOLE   5,860 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,627,874 7,420 SH   SOLE   7,420 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 BBG00Q6ZDXT0 793,693 11,580 SH   SOLE   11,580 0 0
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 BBG012NXXGN9 381,777 7,130 SH   SOLE   7,130 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 BBG00Q9MQ6T1 1,188,971 16,065 SH   SOLE   16,065 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 1,771,194 22,341 SH   SOLE   22,341 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 BBG00Q9MPQH1 3,621,959 35,925 SH   SOLE   35,925 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 4,191,511 46,010 SH   SOLE   46,010 0 0
AON PLC SHS CL A G0403H108 BBG00SSQFPR9 262,932 737 SH   SOLE   737 0 0
APPLE INC COM 037833100 BBG001S5N8V8 2,069,345 10,086 SH   SOLE   10,086 0 0
AUTOZONE INC COM 053332102 BBG001S6Q5D9 360,086 97 SH   SOLE   97 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 324,980 669 SH   SOLE   669 0 0
BEST BUY INC COM 086516101 BBG001S5P285 221,865 3,305 SH   SOLE   3,305 0 0
BLACKROCK INC COM 09290D101 BBG01PSW2WR0 448,030 427 SH   SOLE   427 0 0
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105 BBG003BPM0W5 1,305,082 59,620 SH   SOLE   59,620 0 0
BLACKROCK MUNIVEST FD INC COM 09253R105 BBG001S5TGK6 85,672 13,020 SH   SOLE   13,020 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 2,502,902 9,080 SH   SOLE   9,080 0 0
CAPITAL ONE FINL CORP COM 14040H105 BBG001S65PV8 486,369 2,286 SH   SOLE   2,286 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 559,022 1,440 SH   SOLE   1,440 0 0
CHUBB LIMITED COM H1467J104 BBG001S8S1L3 262,197 905 SH   SOLE   905 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 723,633 10,430 SH   SOLE   10,430 0 0
CONSTELLATION ENERGY CORP COM 21037T109 BBG014KFRPJ9 263,372 816 SH   SOLE   816 0 0
CORNING INC COM 219350105 BBG001S5RLH1 205,101 3,900 SH   SOLE   3,900 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 395,976 400 SH   SOLE   400 0 0
DEERE & CO COM 244199105 BBG001S5QFF7 768,328 1,511 SH   SOLE   1,511 0 0
DELL TECHNOLOGIES INC CL C 24703L202 BBG00DW3SZT0 1,131,475 9,229 SH   SOLE   9,229 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 566,602 16,390 SH   SOLE   16,390 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 481,331 13,430 SH   SOLE   13,430 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 371,534 2,996 SH   SOLE   2,996 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 BBG01BBK3R95 3,842,951 34,105 SH   SOLE   34,105 0 0
EA SERIES TRUST CAMBRIA TAX AWAR 02072Q804 BBG01R9J3RT4 333,465 12,858 SH   SOLE   12,858 0 0
EA SERIES TRUST INTL QUAN MOMNTM 02072L300 BBG00BR3YKT6 282,547 8,320 SH   SOLE   8,320 0 0
EA SERIES TRUST US QUAN MOMENTUM 02072L409 BBG00BKYP4L9 2,010,481 30,940 SH   SOLE   30,940 0 0
EBAY INC. COM 278642103 BBG001S9B9J5 250,558 3,365 SH   SOLE   3,365 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 BBG001SF2288 244,015 3,120 SH   SOLE   3,120 0 0
ELECTRONIC ARTS INC COM 285512109 BBG001S5T5C9 308,221 1,930 SH   SOLE   1,930 0 0
EQUIFAX INC COM 294429105 BBG001S5QSK3 207,496 800 SH   SOLE   800 0 0
EQUINOR ASA SPONSORED ADR 29446M102 BBG001SJ3R93 232,796 9,260 SH   SOLE   9,260 0 0
EXPEDIA GROUP INC COM NEW 30212P303 BBG001SP8VM0 210,850 1,250 SH   SOLE   1,250 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 619,095 5,743 SH   SOLE   5,743 0 0
FEDEX CORP COM 31428X106 BBG001S5R3M5 251,178 1,105 SH   SOLE   1,105 0 0
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 BBG00L4J9BR4 435,609 8,700 SH   SOLE   8,700 0 0
FISERV INC COM 337738108 BBG001S5R6Q4 232,754 1,350 SH   SOLE   1,350 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376 BBG00VNLZSW4 699,960 30,700 SH   SOLE   30,700 0 0
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 272,640 7,100 SH   SOLE   7,100 0 0
HALEON PLC SPON ADS 405552100 BBG018GZNDB0 275,635 26,580 SH   SOLE   26,580 0 0
HAYWARD HLDGS INC COM 421298100 BBG00Z9CCSB9 593,359 42,997 SH   SOLE   42,997 0 0
HCA HEALTHCARE INC COM 40412C101 BBG001T8NTY2 442,481 1,155 SH   SOLE   1,155 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 818,737 2,233 SH   SOLE   2,233 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 BBG001SCZVC0 208,510 3,430 SH   SOLE   3,430 0 0
ICICI BANK LIMITED ADR 45104G104 BBG001SCD3Z1 707,584 21,034 SH   SOLE   21,034 0 0
INFOSYS LTD SPONSORED ADR 456788108 BBG001S6ZLV4 289,439 15,620 SH   SOLE   15,620 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 502,600 1,705 SH   SOLE   1,705 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 2,533,265 103,610 SH   SOLE   103,610 0 0
IRON MTN INC DEL COM 46284V101 BBG001SCQ2X1 259,502 2,530 SH   SOLE   2,530 0 0
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 312,420 6,000 SH   SOLE   6,000 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 BBG005DW0468 609,610 12,050 SH   SOLE   12,050 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 308,239 3,720 SH   SOLE   3,720 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 282,191 4,550 SH   SOLE   4,550 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 2,957,629 57,970 SH   SOLE   57,970 0 0
ISHARES TR ISHARES BIOTECH 464287556 BBG001SGYSW7 297,931 2,355 SH   SOLE   2,355 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 1,427,686 27,060 SH   SOLE   27,060 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 884,444 9,420 SH   SOLE   9,420 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 BBG007WGK4B0 452,331 9,900 SH   SOLE   9,900 0 0
ISHARES TR ULTRA SHORT DUR 46434V878 BBG005PCDCZ5 405,680 8,000 SH   SOLE   8,000 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 BBG00LYBQSH3 6,657,405 147,778 SH   SOLE   147,778 0 0
JAPAN SMALLER CAPITALIZATION COM 47109U104 BBG001S6JF54 119,536 12,400 SH   SOLE   12,400 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 568,536 3,722 SH   SOLE   3,722 0 0
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 433,635 1,496 SH   SOLE   1,496 0 0
KEYCORP COM 493267108 BBG001S5SKV6 430,326 24,703 SH   SOLE   24,703 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 225,868 1,752 SH   SOLE   1,752 0 0
KROGER CO COM 501044101 BBG001S5SN40 369,051 5,145 SH   SOLE   5,145 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 312,296 1,245 SH   SOLE   1,245 0 0
LENNAR CORP CL A 526057104 BBG001S5SRK3 371,650 3,360 SH   SOLE   3,360 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 220,455 476 SH   SOLE   476 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 681,340 2,332 SH   SOLE   2,332 0 0
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 1,080,118 1,474 SH   SOLE   1,474 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 296,613 3,747 SH   SOLE   3,747 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 1,380,228 1,870 SH   SOLE   1,870 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,184,916 6,403 SH   SOLE   6,403 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 696,348 520 SH   SOLE   520 0 0
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 1,100,869 15,950 SH   SOLE   15,950 0 0
NUTRIEN LTD COM 67077M108 BBG00JM9SM69 239,658 4,115 SH   SOLE   4,115 0 0
NUVEEN VRIABL RAT PFD & INM COM 67080R102 BBG011B9SY72 450,188 23,350 SH   SOLE   23,350 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 455,011 2,880 SH   SOLE   2,880 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 1,228,701 5,620 SH   SOLE   5,620 0 0
P10 INC COM CL A 69376K106 BBG012QFRKK6 2,584,566 252,893 SH   SOLE   252,893 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 2,564,588 18,813 SH   SOLE   18,813 0 0
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 361,567 4,865 SH   SOLE   4,865 0 0
PENTAIR PLC SHS G7S00T104 BBG001S69VB3 300,691 2,929 SH   SOLE   2,929 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 1,374,819 27,629 SH   SOLE   27,629 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 396,070 2,486 SH   SOLE   2,486 0 0
PROGRESSIVE CORP COM 743315103 BBG001S5V509 917,198 3,437 SH   SOLE   3,437 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 441,947 2,775 SH   SOLE   2,775 0 0
READY CAPITAL CORP COM 75574U101 BBG003TCRSD0 108,376 24,800 SH   SOLE   24,800 0 0
REPUBLIC SVCS INC COM 760759100 BBG001S9DL33 311,222 1,262 SH   SOLE   1,262 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 449,304 3,077 SH   SOLE   3,077 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 1,004,863 3,685 SH   SOLE   3,685 0 0
SANOFI SPONSORED ADR 80105N105 BBG001S5W768 205,173 4,247 SH   SOLE   4,247 0 0
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 306,293 3,357 SH   SOLE   3,357 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 BBG0051K49J8 464,832 11,615 SH   SOLE   11,615 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 BBG0051QD594 1,342,530 31,927 SH   SOLE   31,927 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 750,074 33,940 SH   SOLE   33,940 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 5,399,473 226,583 SH   SOLE   226,583 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 1,274,204 46,050 SH   SOLE   46,050 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 5,831,714 218,580 SH   SOLE   218,580 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 443,406 1,751 SH   SOLE   1,751 0 0
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 508,853 7,227 SH   SOLE   7,227 0 0
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205 BBG001SDCF10 231,869 7,570 SH   SOLE   7,570 0 0
SONY GROUP CORP SPONSORED ADR 835699307 BBG001S5W6H8 654,004 25,125 SH   SOLE   25,125 0 0
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 BBG006LCM0W6 213,350 2,500 SH   SOLE   2,500 0 0
SPDR SERIES TRUST BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 1,430,988 15,600 SH   SOLE   15,600 0 0
SPDR SERIES TRUST PORT MTG BK ETF 78464A383 BBG001T2HF72 2,803,164 126,840 SH   SOLE   126,840 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 548,749 6,880 SH   SOLE   6,880 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 242,361 2,645 SH   SOLE   2,645 0 0
STRYKER CORPORATION COM 863667101 BBG001S8FR03 652,790 1,650 SH   SOLE   1,650 0 0
SYNOPSYS INC COM 871607107 BBG001S5VTR8 553,694 1,080 SH   SOLE   1,080 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 1,032,341 4,558 SH   SOLE   4,558 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 BBG001S9TN41 628,982 2,590 SH   SOLE   2,590 0 0
TE CONNECTIVITY PLC ORD SHS G87052109 BBG01Q08MMX4 283,872 1,683 SH   SOLE   1,683 0 0
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 280,287 1,350 SH   SOLE   1,350 0 0
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 215,869 653 SH   SOLE   653 0 0
TJX COS INC NEW COM 872540109 BBG001S5WQ93 202,894 1,643 SH   SOLE   1,643 0 0
UBS GROUP AG SHS H42097107 BBG007936GX0 414,126 12,245 SH   SOLE   12,245 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353 BBG002YJGHH3 946,405 47,750 SH   SOLE   47,750 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 475,824 2,440 SH   SOLE   2,440 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,314,427 7,615 SH   SOLE   7,615 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 278,366 1,575 SH   SOLE   1,575 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 274,503 5,550 SH   SOLE   5,550 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 2,467,499 49,085 SH   SOLE   49,085 0 0
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 BBG01L82CC36 4,656,467 47,245 SH   SOLE   47,245 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 2,869,141 61,915 SH   SOLE   61,915 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,547,892 22,404 SH   SOLE   22,404 0 0
VANGUARD WELLINGTON FD US MOMENTUM 921935508 BBG00K26BG83 557,240 3,230 SH   SOLE   3,230 0 0
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 BBG00K26C194 1,069,256 7,950 SH   SOLE   7,950 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 530,642 8,120 SH   SOLE   8,120 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 594,354 1,674 SH   SOLE   1,674 0 0
WALMART INC COM 931142103 BBG001S5XH92 758,284 7,755 SH   SOLE   7,755 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 231,566 1,012 SH   SOLE   1,012 0 0
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 291,877 3,643 SH   SOLE   3,643 0 0
WESTERN ASSET EMERGING MKTS COM 95766A101 BBG001SCCJM1 197,483 19,650 SH   SOLE   19,650 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103 BBG001SHY2Q9 297,305 970 SH   SOLE   970 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 292,772 5,300 SH   SOLE   5,300 0 0