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 365,750 3,612 SH   SOLE   3,612 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 219,611 1,378 SH   SOLE   1,378 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 250,490 650 SH   SOLE   650 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 217,833 2,100 SH   SOLE   2,100 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 615,680 5,920 SH   SOLE   5,920 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 787,070 7,620 SH   SOLE   7,620 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 BBG00Q6ZDXT0 614,054 11,610 SH   SOLE   11,610 0 0
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 BBG012NXXGN9 256,140 6,000 SH   SOLE   6,000 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 BBG00Q9MQ6T1 1,166,834 20,460 SH   SOLE   20,460 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 1,067,845 18,260 SH   SOLE   18,260 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 BBG00Q9MPQH1 2,918,130 41,170 SH   SOLE   41,170 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 3,399,354 45,900 SH   SOLE   45,900 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,699,954 10,309 SH   SOLE   10,309 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 BBG001S5ND74 310,277 3,895 SH   SOLE   3,895 0 0
AUTOZONE INC COM 053332102 BBG001S6Q5D9 238,442 97 SH   SOLE   97 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 206,567 669 SH   SOLE   669 0 0
BEST BUY INC COM 086516101 BBG001S5P285 320,905 4,100 SH   SOLE   4,100 0 0
BLACKROCK INC COM 09247X101 BBG001SDBP55 303,780 454 SH   SOLE   454 0 0
BP PLC SPONSORED ADR 055622104 BBG001S5W4F5 229,537 6,050 SH   SOLE   6,050 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 209,203 3,018 SH   SOLE   3,018 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 297,033 463 SH   SOLE   463 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 310,079 1,355 SH   SOLE   1,355 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 589,245 11,272 SH   SOLE   11,272 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 229,169 6,045 SH   SOLE   6,045 0 0
CONAGRA BRANDS INC COM 205887102 BBG001S5PGY5 258,225 6,875 SH   SOLE   6,875 0 0
CONSTELLATION BRANDS INC CL A 21036P108 BBG001SD31G5 203,301 900 SH   SOLE   900 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 252,733 509 SH   SOLE   509 0 0
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 251,911 3,390 SH   SOLE   3,390 0 0
DEERE & CO COM 244199105 BBG001S5QFF7 665,150 1,611 SH   SOLE   1,611 0 0
DELL TECHNOLOGIES INC CL C 24703L202 BBG00DW3SZT0 620,481 15,431 SH   SOLE   15,431 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 497,228 18,450 SH   SOLE   18,450 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 319,012 3,186 SH   SOLE   3,186 0 0
EA SERIES TRUST US QUAN MOMENTUM 02072L409 BBG00BKYP4L9 1,288,726 28,590 SH   SOLE   28,590 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 BBG001SF2288 258,118 3,120 SH   SOLE   3,120 0 0
ELECTRONIC ARTS INC COM 285512109 BBG001S5T5C9 232,470 1,930 SH   SOLE   1,930 0 0
EQUINOR ASA SPONSORED ADR 29446M102 BBG001SJ3R93 324,388 11,410 SH   SOLE   11,410 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 530,096 4,834 SH   SOLE   4,834 0 0
FEDEX CORP COM 31428X106 BBG001S5R3M5 252,481 1,105 SH   SOLE   1,105 0 0
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 BBG00L4J9BR4 645,306 13,000 SH   SOLE   13,000 0 0
FRANKLIN TEMPLETON ETF TR FTSE BRAZIL 35473P835 BBG00J3M9WL3 253,189 15,050 SH   SOLE   15,050 0 0
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 BBG00L2CKST9 2,565,976 107,588 SH   SOLE   107,588 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376 BBG00VNLZSW4 1,043,765 45,659 SH   SOLE   45,659 0 0
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 256,890 7,220 SH   SOLE   7,220 0 0
HALEON PLC SPON ADS 405552100 BBG018GZNDB0 237,119 29,130 SH   SOLE   29,130 0 0
HCA HEALTHCARE INC COM 40412C101 BBG001T8NTY2 279,500 1,060 SH   SOLE   1,060 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 688,539 2,333 SH   SOLE   2,333 0 0
ICICI BANK LIMITED ADR 45104G104 BBG001SCD3Z1 478,989 22,196 SH   SOLE   22,196 0 0
INFOSYS LTD SPONSORED ADR 456788108 BBG001S6ZLV4 318,456 18,260 SH   SOLE   18,260 0 0
INTEL CORP COM 458140100 BBG001S5SF65 261,753 8,012 SH   SOLE   8,012 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 4,488,858 202,657 SH   SOLE   202,657 0 0
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 249,120 6,000 SH   SOLE   6,000 0 0
ISHARES INC MSCI HONG KG ETF 464286871 BBG001S5VWX4 214,749 10,450 SH   SOLE   10,450 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 1,230,453 12,400 SH   SOLE   12,400 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 213,814 4,255 SH   SOLE   4,255 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 227,646 910 SH   SOLE   910 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 5,136,759 101,940 SH   SOLE   101,940 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 612,545 12,120 SH   SOLE   12,120 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 575,486 6,075 SH   SOLE   6,075 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 BBG007WGK4B0 239,160 7,400 SH   SOLE   7,400 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 1,348,802 12,885 SH   SOLE   12,885 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 BBG00M8D2458 850,733 16,750 SH   SOLE   16,750 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 BBG00LYBQSH3 1,695,083 36,305 SH   SOLE   36,305 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 3,023,529 61,069 SH   SOLE   61,069 0 0
JAPAN SMALLER CAPITALIZATION COM 47109U104 BBG001S6JF54 85,684 12,400 SH   SOLE   12,400 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 567,455 3,661 SH   SOLE   3,661 0 0
KEYCORP COM 493267108 BBG001S5SKV6 369,614 29,522 SH   SOLE   29,522 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 247,905 1,847 SH   SOLE   1,847 0 0
KROGER CO COM 501044101 BBG001S5SN40 254,007 5,145 SH   SOLE   5,145 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 244,317 1,245 SH   SOLE   1,245 0 0
LENNAR CORP CL A 526057104 BBG001S5SRK3 373,666 3,555 SH   SOLE   3,555 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 225,019 476 SH   SOLE   476 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 652,051 2,332 SH   SOLE   2,332 0 0
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 507,016 1,424 SH   SOLE   1,424 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 401,091 3,770 SH   SOLE   3,770 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 339,104 1,600 SH   SOLE   1,600 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,776,507 6,162 SH   SOLE   6,162 0 0
MORGAN STANLEY EMKT DBT FD I COM 61744H105 BBG001S6S574 232,007 36,026 SH   SOLE   36,026 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 228,233 1,861 SH   SOLE   1,861 0 0
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 943,700 5,930 SH   SOLE   5,930 0 0
NUTRIEN LTD COM 67077M108 BBG00JM9SM69 316,818 4,290 SH   SOLE   4,290 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 470,362 5,062 SH   SOLE   5,062 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 177,451 21,000 SH   SOLE   21,000 0 0
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 333,833 4,396 SH   SOLE   4,396 0 0
PFIZER INC COM 717081103 BBG001S5V466 244,188 5,985 SH   SOLE   5,985 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 234,175 4,750 SH   SOLE   4,750 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 374,105 2,516 SH   SOLE   2,516 0 0
PROGRESSIVE CORP COM 743315103 BBG001S5V509 491,697 3,437 SH   SOLE   3,437 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 369,727 2,898 SH   SOLE   2,898 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 273,911 2,797 SH   SOLE   2,797 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 729,197 3,650 SH   SOLE   3,650 0 0
SANOFI SPONSORED ADR 80105N105 BBG001S5W768 231,828 4,260 SH   SOLE   4,260 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 501,190 14,402 SH   SOLE   14,402 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 373,082 11,931 SH   SOLE   11,931 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 1,070,002 32,297 SH   SOLE   32,297 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 3,564,349 74,490 SH   SOLE   74,490 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 1,057,150 16,120 SH   SOLE   16,120 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 264,419 1,751 SH   SOLE   1,751 0 0
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 519,875 9,035 SH   SOLE   9,035 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 BBG001SCYWS2 200,565 1,700 SH   SOLE   1,700 0 0
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205 BBG001SDCF10 221,326 7,930 SH   SOLE   7,930 0 0
SONY GROUP CORPORATION SPONSORED ADR 835699307 BBG001S5W6H8 426,058 4,700 SH   SOLE   4,700 0 0
SPDR SER TR BLOOMBERG INVT 78468R200 BBG0029J2J00 304,300 10,000 SH   SOLE   10,000 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 722,186 9,480 SH   SOLE   9,480 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 BBG004DF1DW8 3,363,984 81,138 SH   SOLE   81,138 0 0
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 BBG005D236G5 241,500 6,000 SH   SOLE   6,000 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 200,763 1,928 SH   SOLE   1,928 0 0
STRYKER CORPORATION COM 863667101 BBG001S8FR03 471,026 1,650 SH   SOLE   1,650 0 0
SYNOPSYS INC COM 871607107 BBG001S5VTR8 417,150 1,080 SH   SOLE   1,080 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 407,058 4,376 SH   SOLE   4,376 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 BBG001S9TN41 308,987 2,590 SH   SOLE   2,590 0 0
TE CONNECTIVITY LTD SHS H84989104 BBG001STLRP3 246,955 1,883 SH   SOLE   1,883 0 0
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 265,437 1,427 SH   SOLE   1,427 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 230,548 400 SH   SOLE   400 0 0
UBS GROUP AG SHS H42097107 BBG007936GX0 280,301 13,135 SH   SOLE   13,135 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 296,314 627 SH   SOLE   627 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353 BBG002YJGHH3 1,430,497 77,660 SH   SOLE   77,660 0 0
VANECK ETF TRUST IG FLOATING RATE 92189F486 BBG001V14Q53 584,298 23,400 SH   SOLE   23,400 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 387,375 2,440 SH   SOLE   2,440 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,160,194 10,584 SH   SOLE   10,584 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 238,240 1,725 SH   SOLE   1,725 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 233,916 5,790 SH   SOLE   5,790 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 1,189,284 24,870 SH   SOLE   24,870 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,121,813 20,319 SH   SOLE   20,319 0 0
VANGUARD WELLINGTON FD US MOMENTUM 921935508 BBG00K26BG83 543,563 4,830 SH   SOLE   4,830 0 0
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 BBG00K26C194 787,814 7,950 SH   SOLE   7,950 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 377,420 1,674 SH   SOLE   1,674 0 0
VMWARE INC CL A COM 928563402 BBG001S6TFZ0 603,400 4,833 SH   SOLE   4,833 0 0
WALMART INC COM 931142103 BBG001S5XH92 379,686 2,575 SH   SOLE   2,575 0 0
WESTERN ASSET EMERGING MKTS COM 95766A101 BBG001SCCJM1 170,941 19,900 SH   SOLE   19,900 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 256,424 5,600 SH   SOLE   5,600 0 0
YUM CHINA HLDGS INC COM 98850P109 BBG00B8N0HH0 259,583 4,095 SH   SOLE   4,095 0 0