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 405,386 3,584 SH   SOLE   3,584 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 244,871 1,378 SH   SOLE   1,378 0 0
ADOBE INC COM 00724F101 BBG001S5NCQ5 328,174 738 SH   SOLE   738 0 0
AES CORP COM 00130H105 BBG001S6B1L5 188,739 14,665 SH   SOLE   14,665 0 0
AFLAC INC COM 001055102 BBG001S5NGJ4 329,456 3,185 SH   SOLE   3,185 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 397,530 2,100 SH   SOLE   2,100 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,127,405 5,920 SH   SOLE   5,920 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,671,752 7,620 SH   SOLE   7,620 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 BBG00Q6ZDXT0 610,240 10,380 SH   SOLE   10,380 0 0
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 BBG012NXXGN9 314,160 6,800 SH   SOLE   6,800 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 BBG00Q9MQ6T1 1,011,991 16,490 SH   SOLE   16,490 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 1,285,981 19,760 SH   SOLE   19,760 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 BBG00Q9MPQH1 4,051,189 41,795 SH   SOLE   41,795 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 4,296,068 44,505 SH   SOLE   44,505 0 0
APPLE INC COM 037833100 BBG001S5N8V8 2,581,580 10,309 SH   SOLE   10,309 0 0
AUTOZONE INC COM 053332102 BBG001S6Q5D9 310,594 97 SH   SOLE   97 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 303,244 669 SH   SOLE   669 0 0
BEST BUY INC COM 086516101 BBG001S5P285 348,777 4,065 SH   SOLE   4,065 0 0
BLACKROCK INC COM 09290D101 BBG01PSW2WR0 465,400 454 SH   SOLE   454 0 0
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105 BBG003BPM0W5 1,291,405 62,720 SH   SOLE   62,720 0 0
BLACKROCK MUNIVEST FD INC COM 09253R105 BBG001S5TGK6 124,488 17,683 SH   SOLE   17,683 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 1,942,819 8,380 SH   SOLE   8,380 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 522,374 1,440 SH   SOLE   1,440 0 0
CHUBB LIMITED COM H1467J104 BBG001S8S1L3 250,052 905 SH   SOLE   905 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 638,886 10,792 SH   SOLE   10,792 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 222,553 5,930 SH   SOLE   5,930 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 366,508 400 SH   SOLE   400 0 0
DEERE & CO COM 244199105 BBG001S5QFF7 682,581 1,611 SH   SOLE   1,611 0 0
DELL TECHNOLOGIES INC CL C 24703L202 BBG00DW3SZT0 1,057,327 9,175 SH   SOLE   9,175 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 451,140 15,450 SH   SOLE   15,450 0 0
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 BBG011DXXNJ2 264,563 4,150 SH   SOLE   4,150 0 0
DISCOVER FINL SVCS COM 254709108 BBG001SS0KV6 251,703 1,453 SH   SOLE   1,453 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 350,864 3,151 SH   SOLE   3,151 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 BBG01BBK3R95 3,140,774 28,480 SH   SOLE   28,480 0 0
EA SERIES TRUST CAMBRIA TAX AWAR 02072Q804 BBG01R9J3RT4 313,958 12,858 SH   SOLE   12,858 0 0
EA SERIES TRUST INTL QUAN MOMNTM 02072L300 BBG00BR3YKT6 220,896 8,320 SH   SOLE   8,320 0 0
EA SERIES TRUST US QUAN MOMENTUM 02072L409 BBG00BKYP4L9 1,868,748 29,140 SH   SOLE   29,140 0 0
EBAY INC. COM 278642103 BBG001S9B9J5 241,915 3,905 SH   SOLE   3,905 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 BBG001SF2288 230,974 3,120 SH   SOLE   3,120 0 0
ELECTRONIC ARTS INC COM 285512109 BBG001S5T5C9 282,359 1,930 SH   SOLE   1,930 0 0
EQUIFAX INC COM 294429105 BBG001S5QSK3 203,880 800 SH   SOLE   800 0 0
EQUINOR ASA SPONSORED ADR 29446M102 BBG001SJ3R93 248,982 10,510 SH   SOLE   10,510 0 0
EXPEDIA GROUP INC COM NEW 30212P303 BBG001SP8VM0 215,211 1,155 SH   SOLE   1,155 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 603,790 5,613 SH   SOLE   5,613 0 0
FEDEX CORP COM 31428X106 BBG001S5R3M5 344,629 1,225 SH   SOLE   1,225 0 0
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 BBG00L4J9BR4 434,391 8,700 SH   SOLE   8,700 0 0
FISERV INC COM 337738108 BBG001S5R6Q4 277,317 1,350 SH   SOLE   1,350 0 0
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 BBG00L2CKST9 1,787,007 73,645 SH   SOLE   73,645 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376 BBG00VNLZSW4 1,175,624 49,875 SH   SOLE   49,875 0 0
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 254,326 7,520 SH   SOLE   7,520 0 0
HALEON PLC SPON ADS 405552100 BBG018GZNDB0 274,084 28,730 SH   SOLE   28,730 0 0
HCA HEALTHCARE INC COM 40412C101 BBG001T8NTY2 346,673 1,155 SH   SOLE   1,155 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 868,646 2,233 SH   SOLE   2,233 0 0
ICICI BANK LIMITED ADR 45104G104 BBG001SCD3Z1 662,773 22,196 SH   SOLE   22,196 0 0
INFOSYS LTD SPONSORED ADR 456788108 BBG001S6ZLV4 400,259 18,260 SH   SOLE   18,260 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 369,095 1,679 SH   SOLE   1,679 0 0
INTERNATIONAL PAPER CO COM 460146103 BBG001S5SBF4 207,476 3,855 SH   SOLE   3,855 0 0
INVESCO ACTIVELY MANAGED EXC AAA CLO FLTNG RT 46090A721 BBG01BTTD0X8 227,170 8,860 SH   SOLE   8,860 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 3,029,386 125,233 SH   SOLE   125,233 0 0
IRON MTN INC DEL COM 46284V101 BBG001SCQ2X1 275,388 2,620 SH   SOLE   2,620 0 0
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 271,362 6,000 SH   SOLE   6,000 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 BBG005DW0468 609,812 12,260 SH   SOLE   12,260 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 259,877 3,170 SH   SOLE   3,170 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 283,511 4,550 SH   SOLE   4,550 0 0
ISHARES TR ISHARES BIOTECH 464287556 BBG001SGYSW7 330,525 2,500 SH   SOLE   2,500 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 441,956 8,580 SH   SOLE   8,580 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 863,626 9,420 SH   SOLE   9,420 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 BBG007WGK4B0 370,260 9,900 SH   SOLE   9,900 0 0
ISHARES TR ULTRA SHORT-TERM 46434V878 BBG005PCDCZ5 1,462,470 29,000 SH   SOLE   29,000 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 BBG00GP26NW0 579,255 11,500 SH   SOLE   11,500 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 BBG00LYBQSH3 5,723,166 129,542 SH   SOLE   129,542 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 907,912 17,904 SH   SOLE   17,904 0 0
JAPAN SMALLER CAPITALIZATION COM 47109U104 BBG001S6JF54 95,108 12,400 SH   SOLE   12,400 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 538,276 3,722 SH   SOLE   3,722 0 0
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 358,548 1,496 SH   SOLE   1,496 0 0
KEYCORP COM 493267108 BBG001S5SKV6 423,409 24,703 SH   SOLE   24,703 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 242,031 1,847 SH   SOLE   1,847 0 0
KROGER CO COM 501044101 BBG001S5SN40 314,617 5,145 SH   SOLE   5,145 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 261,799 1,245 SH   SOLE   1,245 0 0
LENNAR CORP CL A 526057104 BBG001S5SRK3 511,388 3,750 SH   SOLE   3,750 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 231,307 476 SH   SOLE   476 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 676,023 2,332 SH   SOLE   2,332 0 0
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 840,047 1,474 SH   SOLE   1,474 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 371,558 3,735 SH   SOLE   3,735 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 936,816 1,600 SH   SOLE   1,600 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,597,283 6,162 SH   SOLE   6,162 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 463,486 520 SH   SOLE   520 0 0
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 1,014,176 11,790 SH   SOLE   11,790 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 BBG001SKQWJ3 163,560 14,500 SH   SOLE   14,500 0 0
NUVEEN VRIABL RAT PFD & INM COM 67080R102 BBG011B9SY72 1,122,968 61,600 SH   SOLE   61,600 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 386,755 2,880 SH   SOLE   2,880 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 883,525 5,302 SH   SOLE   5,302 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 1,278,147 16,900 SH   SOLE   16,900 0 0
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 415,228 4,865 SH   SOLE   4,865 0 0
PENTAIR PLC SHS G7S00T104 BBG001S69VB3 294,775 2,929 SH   SOLE   2,929 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 1,368,819 27,625 SH   SOLE   27,625 0 0
PIMCO ETF TR SR LN ACTIVE ETF 72201R627 BBG0180BK9Q6 1,233,043 24,130 SH   SOLE   24,130 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 416,778 2,486 SH   SOLE   2,486 0 0
PROGRESSIVE CORP COM 743315103 BBG001S5V509 823,540 3,437 SH   SOLE   3,437 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 475,454 3,095 SH   SOLE   3,095 0 0
READY CAPITAL CORP COM 75574U101 BBG003TCRSD0 169,136 24,800 SH   SOLE   24,800 0 0
REPUBLIC SVCS INC COM 760759100 BBG001S9DL33 253,889 1,262 SH   SOLE   1,262 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 356,070 3,077 SH   SOLE   3,077 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 1,232,006 3,685 SH   SOLE   3,685 0 0
SANOFI SPONSORED ADR 80105N105 BBG001S5W768 226,440 4,695 SH   SOLE   4,695 0 0
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 248,452 3,357 SH   SOLE   3,357 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 BBG0051QD594 1,095,109 32,077 SH   SOLE   32,077 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 BBG0051K49J8 385,734 11,615 SH   SOLE   11,615 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 627,890 33,940 SH   SOLE   33,940 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 4,755,491 209,493 SH   SOLE   209,493 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 1,200,524 46,050 SH   SOLE   46,050 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 4,427,779 171,420 SH   SOLE   171,420 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 407,143 1,751 SH   SOLE   1,751 0 0
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 486,477 7,765 SH   SOLE   7,765 0 0
SONY GROUP CORP SPONSORED ADR 835699307 BBG001S5W6H8 551,747 26,075 SH   SOLE   26,075 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 1,431,337 15,655 SH   SOLE   15,655 0 0
SPDR SER TR PORT MTG BK ETF 78464A383 BBG001T2HF72 3,075,616 142,720 SH   SOLE   142,720 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 652,630 7,480 SH   SOLE   7,480 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 211,061 2,313 SH   SOLE   2,313 0 0
STRYKER CORPORATION COM 863667101 BBG001S8FR03 594,083 1,650 SH   SOLE   1,650 0 0
SYNOPSYS INC COM 871607107 BBG001S5VTR8 524,189 1,080 SH   SOLE   1,080 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 900,159 4,558 SH   SOLE   4,558 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 BBG001S9TN41 476,767 2,590 SH   SOLE   2,590 0 0
TE CONNECTIVITY PLC ORD SHS G87052109 BBG01Q08MMX4 297,807 2,083 SH   SOLE   2,083 0 0
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 253,139 1,350 SH   SOLE   1,350 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 208,092 400 SH   SOLE   400 0 0
TOUCHSTONE ETF TRUST SECURITIZED INCO 89157W707 BBG01HGXMNS6 308,064 11,860 SH   SOLE   11,860 0 0
UBS GROUP AG SHS H42097107 BBG007936GX0 398,253 13,135 SH   SOLE   13,135 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 317,174 627 SH   SOLE   627 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353 BBG002YJGHH3 946,145 48,595 SH   SOLE   48,595 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 483,559 2,440 SH   SOLE   2,440 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,366,299 8,165 SH   SOLE   8,165 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 266,648 1,575 SH   SOLE   1,575 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 244,422 5,550 SH   SOLE   5,550 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 2,336,831 48,262 SH   SOLE   48,262 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 7,246,919 159,835 SH   SOLE   159,835 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,175,889 19,954 SH   SOLE   19,954 0 0
VANGUARD WELLINGTON FD US MOMENTUM 921935508 BBG00K26BG83 530,915 3,230 SH   SOLE   3,230 0 0
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 BBG00K26C194 1,038,111 7,950 SH   SOLE   7,950 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 471,415 7,465 SH   SOLE   7,465 0 0
VIATRIS INC COM 92556V106 BBG00Y52JV51 136,639 10,975 SH   SOLE   10,975 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 529,051 1,674 SH   SOLE   1,674 0 0
WALMART INC COM 931142103 BBG001S5XH92 739,967 8,190 SH   SOLE   8,190 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 204,211 1,012 SH   SOLE   1,012 0 0
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 255,884 3,643 SH   SOLE   3,643 0 0
WESTERN ASSET EMERGING MKTS COM 95766A101 BBG001SCCJM1 189,033 19,650 SH   SOLE   19,650 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103 BBG001SHY2Q9 303,843 970 SH   SOLE   970 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 266,614 5,450 SH   SOLE   5,450 0 0