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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OMB Number: 3235-0006
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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
Amazon.com Stock 023135106   2,389,285 12,558 SH   SOLE 0 12,558 0 0
Ulta Salon Cosmetcs & Frag Inc Com Stock 90384S303   287,001 783 SH   SOLE 0 783 0 0
Powershares QQQ Trust ETF 46090E103   5,779,206 12,325 SH   SOLE 0 12,324 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   1,478,293 7,159 SH   SOLE 0 7,159 0 0
Sempra Stock 816851109   203,590 2,853 SH   SOLE 0 2,853 0 0
Willis Towers Watson Pub Ltd Shs Stock G96629103   653,595 1,934 SH   SOLE 0 1,934 0 0
Vanguard Total Stock Market Index ETF ETF 922908769   8,363,972 30,432 SH   SOLE 0 30,432 0 0
Costco Whsl Corp Stock 22160K105   961,666 1,017 SH   SOLE 0 1,016 0 0
Procter & Gamble Co Com Stock 742718109   267,032 1,567 SH   SOLE 0 1,566 0 0
CME Group Inc Com Stock 12572Q105   7,209,235 27,175 SH   SOLE 0 27,174 0 0
Netflix Inc Com Stock 64110L106   3,247,069 3,482 SH   SOLE 0 3,482 0 0
SPDR Dow Jones Global Real Estate ETF ETF 78463X749   3,342,909 76,602 SH   SOLE 0 76,601 0 0
Merck & Co Inc Com Stock 58933Y105   213,539 2,379 SH   SOLE 0 2,379 0 0
SPDR S&P 500 ETF ETF 78462F103   8,744,725 15,633 SH   SOLE 0 15,632 0 0
Mastercard Inc Cl A Stock 57636Q104   688,001 1,255 SH   SOLE 0 1,255 0 0
Illinois Tool Wks Inc Com Stock 452308109   564,223 2,275 SH   SOLE 0 2,275 0 0
Pepsico Inc Com Stock 713448108   238,402 1,590 SH   SOLE 0 1,589 0 0
Home Depot Stock 437076102   484,167 1,321 SH   SOLE 0 1,321 0 0
Health Care Select Sector SPDR Fund ETF 81369Y209   890,115 6,096 SH   SOLE 0 6,096 0 0
Southern Co Com Stock 842587107   282,103 3,068 SH   SOLE 0 3,068 0 0
iShares Russell 1000 Growth Etf ETF 464287614   471,976 1,307 SH   SOLE 0 1,307 0 0
Schwab U.S. Broad Market ETF ETF 808524102   5,072,990 235,624 SH   SOLE 0 235,624 0 0
Schwab International Equity ETF ETF 808524805   1,775,085 89,741 SH   SOLE 0 89,741 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   411,163 5,034 SH   SOLE 0 5,034 0 0
Berkshire Hathaway Inc Cl B Stock 084670702   1,903,974 3,575 SH   SOLE 0 3,575 0 0
Schwab Emerging Markets Equity ETF ETF 808524706   1,387,552 50,328 SH   SOLE 0 50,328 0 0
Vanguard Short-Term Corporate Bond Index ETF ETF 92206C409   70,362,195 891,338 SH   SOLE 0 891,337 0 0
Alphabet Cl A Stock 02079K305   1,139,465 7,368 SH   SOLE 0 7,368 0 0
Fiserv Inc Com Stock 337738108   281,558 1,275 SH   SOLE 0 1,275 0 0
Microsoft Corp Stock 594918104   3,807,176 10,142 SH   SOLE 0 10,141 0 0
Valero Energy Corp New Com Stock 91913Y100   204,576 1,549 SH   SOLE 0 1,549 0 0
SPROTT PHYSICAL GOLD TR UNIT CEF 85207H104   273,683 11,375 SH   SOLE 0 11,375 0 0
AMERIPRISE FINL INC COM Stock 03076C106   208,651 431 SH   SOLE 0 431 0 0
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108   798,442 1 SH   SOLE 0 1 0 0
NextEra Energy Inc Stock 65339F101   380,360 5,365 SH   SOLE 0 5,365 0 0
TESLA INC COM Stock 88160R101   959,929 3,704 SH   SOLE 0 3,704 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605   660,730 13,265 SH   SOLE 0 13,265 0 0
Schwab U.S. Large-Cap Value ETF ETF 808524409   676,080 25,436 SH   SOLE 0 25,435 0 0
AMPHENOL CORP NEW CL A Stock 032095101   1,312,784 20,015 SH   SOLE 0 20,015 0 0
Vanguard S&P 500 ETF ETF 922908363   1,482,753 2,885 SH   SOLE 0 2,885 0 0
SPDR S&P Midcap 400 ETF ETF 78467Y107   321,977 604 SH   SOLE 0 603 0 0
CROWDSTRIKE HLDGS INC CL A Stock 22788C105   224,241 636 SH   SOLE 0 636 0 0
ADAPTIVE BIOTECHNOLOGIES CORP COM Stock 00650F109   513,227 69,075 SH   SOLE 0 69,075 0 0
SPDR S&P 400 MID CAP GROWTH ETF ETF 78464A821   390,120 4,910 SH   SOLE 0 4,909 0 0
SPDR S&P 600 SMALL CAP GROWTH ETF ETF 78464A201   267,521 3,223 SH   SOLE 0 3,223 0 0
ISHARES MSCI EAFE GROWTH ETF ETF 464288885   467,300 4,673 SH   SOLE 0 4,673 0 0
Lilly Eli & Co Com Stock 532457108   380,066 460 SH   SOLE 0 460 0 0
Vanguard Total Int'l Stock ETF ETF 921909768   330,322 5,319 SH   SOLE 0 5,319 0 0
Fidelity Natl Information Svcs Com Stock 31620M106   345,544 4,627 SH   SOLE 0 4,627 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204   238,180 1,953 SH   SOLE 0 1,952 0 0
SPDR S&P AEROSPACE & DEFENSE ETF ETF 78464A631   926,594 5,766 SH   SOLE 0 5,766 0 0
DFA US Core Equity Market ETF ETF 25434V104   41,105,501 1,069,342 SH   SOLE 0 1,069,341 0 0
DFA Int'l Core Equity Market ETF ETF 25434V203   23,465,881 751,389 SH   SOLE 0 751,389 0 0
DFA Emerging Core Equity Market ETF ETF 25434V302   5,846,156 225,808 SH   SOLE 0 225,807 0 0
Schwab U.S. Aggregate Bond ETF ETF 808524839   409,295 17,672 SH   SOLE 0 17,672 0 0
VANGUARD ULTRA-SHORT BOND ETF ETF 92203C303   214,147 4,295 SH   SOLE 0 4,295 0 0
VISA Inc. Stock 92826C839   460,946 1,315 SH   SOLE 0 1,315 0 0
DIMENSIONAL U.S. CORE EQUITY 2 ETF ETF 25434V708   8,205,411 248,724 SH   SOLE 0 248,724 0 0
DIMENSIONAL U.S. TARGETED VALUE ETF ETF 25434V609   347,343 6,746 SH   SOLE 0 6,745 0 0
ANGEL OAK MORTGAGE REIT INC COM REIT 03464Y108   170,787 17,921 SH   SOLE 0 17,921 0 0
DIMENSIONAL WORLD EX U.S. CORE EQUITY 2 ETF ETF 25434V880   1,635,179 62,411 SH   SOLE 0 62,411 0 0
Vanguard Value Index ETF ETF 922908744   207,461 1,201 SH   SOLE 0 1,201 0 0
Vaneck Vectors Semiconductor ETF ETF 92189F676   946,676 4,477 SH   SOLE 0 4,476 0 0
Meta Platforms Inc Stock 30303M102   2,074,878 3,600 SH   SOLE 0 3,599 0 0
Asml Holding N V Nyregistry Shs ADR N07059210   363,784 549 SH   SOLE 0 549 0 0
INVESCO S&P 500 TOP 50 ETF ETF 46137V233   1,139,645 24,764 SH   SOLE 0 24,764 0 0
BROADCOM INC COM Stock 11135F101   967,108 5,776 SH   SOLE 0 5,776 0 0
Vanguard Short-Term Inflation-Protected Secs ETF ETF 922020805   28,686,847 574,887 SH   SOLE 0 574,886 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842   451,119 5,963 SH   SOLE 0 5,963 0 0
DFA Global Real Estate ETF ETF 25434V658   5,798,472 220,810 SH   SOLE 0 220,810 0 0
Cf Inds Hldgs Inc Com Stock 125269100   747,427 9,564 SH   SOLE 0 9,564 0 0
Equifax Inc Com Stock 294429105   436,703 1,793 SH   SOLE 0 1,793 0 0
NVIDIA CORPORATION COM Stock 67066G104   8,187,929 75,548 SH   SOLE 0 75,548 0 0
Abbvie Inc Stock 00287Y109   1,825,095 8,711 SH   SOLE 0 8,710 0 0
S&P GLOBAL INC COM Stock 78409V104   312,482 615 SH   SOLE 0 615 0 0
Apogee Enterprises Inc Com Stock 037598109   300,635 6,489 SH   SOLE 0 6,489 0 0
Vanguard Total Bond Market Index ETF ETF 921937835   53,861,161 733,304 SH   SOLE 0 733,303 0 0
LENNOX INTL INC COM Stock 526107107   644,116 1,149 SH   SOLE 0 1,148 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100   289,172 1,742 SH   SOLE 0 1,742 0 0
Blackstone Group L P Com Unit Ltd Stock 09260D107   488,531 3,495 SH   SOLE 0 3,495 0 0
Intuitive Surgical Inc Com New Stock 46120E602   219,405 443 SH   SOLE 0 443 0 0
McDonalds Corp Com Stock 580135101   539,884 1,728 SH   SOLE 0 1,728 0 0
Vanguard Total Int'l Bond Index ETF ETF 92203J407   19,044,270 390,092 SH   SOLE 0 390,091 0 0
WISDOMTREE US QUALITY DIVIDEND GROWTH FUND ETF 97717X669   270,805 3,391 SH   SOLE 0 3,391 0 0
AT&T Inc Com Stock 00206R102   218,236 7,717 SH   SOLE 0 7,716 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   408,563 4,372 SH   SOLE 0 4,372 0 0
ISHARES MSCI USA MOMENTUM FACTOR ETF ETF 46432F396   238,311 1,179 SH   SOLE 0 1,179 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   220,563 1,117 SH   SOLE 0 1,117 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704   338,030 2,579 SH   SOLE 0 2,579 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   393,871 2,805 SH   SOLE 0 2,804 0 0
FIDELITY MSCI FINANCIALS INDEX ETF ETF 316092501   986,520 14,190 SH   SOLE 0 14,190 0 0
iShares Core S&P 500 ETF ETF 464287200   905,221 1,611 SH   SOLE 0 1,611 0 0
Wells Fargo & Co New Com Stock 949746101   215,620 3,003 SH   SOLE 0 3,003 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102   216,580 423 SH   SOLE 0 423 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102   282,637 568 SH   SOLE 0 568 0 0
JP Morgan Chase Stock 46625H100   405,919 1,655 SH   SOLE 0 1,654 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   525,618 4,985 SH   SOLE 0 4,985 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858   2,454,098 48,281 SH   SOLE 0 48,280 0 0
Bank of America Corp Com Stock 060505104   1,141,519 27,355 SH   SOLE 0 27,354 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763   306,511 2,259 SH   SOLE 0 2,259 0 0
Wal-Mart Stores Inc Com Stock 931142103   1,280,986 14,591 SH   SOLE 0 14,591 0 0
Int'l Business Machs Stock 459200101   344,394 1,385 SH   SOLE 0 1,385 0 0
Oracle Corp Com Stock 68389X105   768,699 5,498 SH   SOLE 0 5,498 0 0
Vanguard FTSE Emerging Markets ETF ETF 922042858   528,830 11,684 SH   SOLE 0 11,684 0 0
Vanguard High Dividend Yield Index ETF ETF 921946406   200,404 1,554 SH   SOLE 0 1,554 0 0
ISHARES CURRENCY HEDGED MSCI JAPAN ETF ETF 46434V886   327,132 7,800 SH   SOLE 0 7,800 0 0
Alphabet Cl C Stock 02079K107   2,357,565 15,090 SH   SOLE 0 15,090 0 0
Vanguard Dividend Appreciation Index ETF ETF 921908844   1,372,673 7,076 SH   SOLE 0 7,076 0 0
HUBSPOT INC COM Stock 443573100   273,648 479 SH   SOLE 0 479 0 0
Vanguard Short-Term Bond Index ETF ETF 921937827   1,591,041 20,325 SH   SOLE 0 20,325 0 0
iShares Russell 3000 ETF ETF 464287689   320,662 1,010 SH   SOLE 0 1,009 0 0
Citigroup Inc Com New Stock 172967424   266,459 3,753 SH   SOLE 0 3,753 0 0
Exxon Mobil Corp Stock 30231G102   391,195 3,289 SH   SOLE 0 3,289 0 0
Unitedhealth Group Inc Com Stock 91324P102   561,395 1,072 SH   SOLE 0 1,071 0 0
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456   238,875 6,019 SH   SOLE 0 6,018 0 0
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886   325,256 4,125 SH   SOLE 0 4,125 0 0
AUTOZONE INC COM Stock 053332102   251,643 66 SH   SOLE 0 66 0 0
iShares S&P Midcap Fund ETF 464287507   357,977 6,135 SH   SOLE 0 6,135 0 0
iShares MSCI EAFE ETF ETF 464287465   214,162 2,620 SH   SOLE 0 2,620 0 0
Apple Inc Stock 037833100   23,610,948 106,293 SH   SOLE 0 106,293 0 0
Abbott Labs Stock 002824100   1,158,300 8,732 SH   SOLE 0 8,732 0 0
iShares Russell 1000 Value ETF ETF 464287598   218,830 1,163 SH   SOLE 0 1,163 0 0