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
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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
ISHARES GOLD TR ISHARES NEW 464285204   273,790 5,530 SH   SOLE   0 0 5,530
VANGUARD INDEX FDS TOTAL STK MKT 922908769   887,108 3,061 SH   SOLE   0 0 3,061
SPDR S&P 500 ETF TR TR UNIT 78462F103   202,198 345 SH   SOLE   0 0 345
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,670,311 19,411 SH   SOLE   0 0 19,411
ALPHABET INC CAP STK CL A 02079K305   251,031 1,326 SH   SOLE   0 0 1,326
MICROSOFT CORP COM 594918104   269,339 639 SH   SOLE   0 0 639
FIRST HORIZON CORPORATION COM 320517105   244,036 12,117 SH   SOLE   0 0 12,117
VANGUARD INDEX FDS MID CAP ETF 922908629   222,397 842 SH   SOLE   0 0 842
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   887,434 15,253 SH   SOLE   0 0 15,253
ISHARES TR IBONDS DEC 28 46435U325   2,372,005 94,202 SH   SOLE   0 0 94,202
ISHARES TR IBONDS DEC 27 46435U283   1,840,182 73,197 SH   SOLE   0 0 73,197
ISHARES TR IBONDS DEC 29 46436E205   11,049,679 484,635 SH   SOLE   0 0 484,635
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   21,152,071 522,402 SH   SOLE   0 0 522,402
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   11,532,050 394,933 SH   SOLE   0 0 394,933
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   12,350,438 486,813 SH   SOLE   0 0 486,813
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,706,489 6,725 SH   SOLE   0 0 6,725
INVESCO EXCH TRD SLF IDX FD INVSC 30 MUNI BD 46138J445   3,899,176 179,520 SH   SOLE   0 0 179,520
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   9,258,543 142,264 SH   SOLE   0 0 142,264
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   10,506,889 164,814 SH   SOLE   0 0 164,814
ISHARES TR IBONDS DEC 2031 46436E486   13,867,769 681,463 SH   SOLE   0 0 681,463
INVESCO EXCH TRD SLF IDX FD BULLETSHS 31 MUN 46138J411   4,323,833 206,585 SH   SOLE   0 0 206,585
ISHARES TR US TREAS BD ETF 46429B267   15,375,658 669,089 SH   SOLE   0 0 669,089
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   317,297 6,642 SH   SOLE   0 0 6,642
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   340,923 9,669 SH   SOLE   0 0 9,669
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   13,881,363 410,813 SH   SOLE   0 0 410,813
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   9,670,213 383,282 SH   SOLE   0 0 383,282
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   673,056 26,042 SH   SOLE   0 0 26,042
CAPITAL GRP FIXED INCM ETF T MUNICIPAL INCOME 14020Y201   1,032,544 38,356 SH   SOLE   0 0 38,356
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   232,533 7,079 SH   SOLE   0 0 7,079
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   422,049 11,136 SH   SOLE   0 0 11,136
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   2,887,106 96,141 SH   SOLE   0 0 96,141
INVESCO EXCH TRD SLF IDX FD BULLETSHS 32 MUN 46139W833   4,202,421 167,494 SH   SOLE   0 0 167,494
ISHARES TR IBONDS DEC 2029 46436E163   1,338,129 53,568 SH   SOLE   0 0 53,568
ISHARES TR IBONDS DEC 2033 46436E130   15,920,469 634,282 SH   SOLE   0 0 634,282
DIMENSIONAL ETF TRUST WORLD EQUITY ETF 25434V617   219,263 3,510 SH   SOLE   0 0 3,510
INVESCO EXCH TRD SLF IDX FD INVESCO BULLETSH 46139W791   3,291,807 127,812 SH   SOLE   0 0 127,812
AMERICAN CENTY ETF TR AVANTIS US MID C 025072125   6,127,746 94,288 SH   SOLE   0 0 94,288
CAPITAL GROUP CONSERVATIVE E SHS 14020U100   1,515,805 57,114 SH   SOLE   0 0 57,114
ISHARES TR CORE S&P500 ETF 464287200   201,329 342 SH   SOLE   0 0 342
PROSPECT CAP CORP COM 74348T102   56,026 12,999 SH   SOLE   0 0 12,999
INTERNATIONAL PAPER CO COM 460146103   896,641 16,660 SH   SOLE   0 0 16,660
WALMART INC COM 931142103   213,136 2,359 SH   SOLE   0 0 2,359
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   446,018 5,772 SH   SOLE   0 0 5,772
NUCOR CORP COM 670346105   399,148 3,420 SH   SOLE   0 0 3,420
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   3,693,455 82,315 SH   SOLE   0 0 82,315
APPLE INC COM 037833100   384,645 1,536 SH   SOLE   0 0 1,536