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 408,612 3,584 SH   SOLE   3,584 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 272,127 1,378 SH   SOLE   1,378 0 0
ADOBE INC COM 00724F101 BBG001S5NCQ5 368,659 712 SH   SOLE   712 0 0
AES CORP COM 00130H105 BBG001S6B1L5 264,090 13,165 SH   SOLE   13,165 0 0
AFLAC INC COM 001055102 BBG001S5NGJ4 356,083 3,185 SH   SOLE   3,185 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 348,285 2,100 SH   SOLE   2,100 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 989,765 5,920 SH   SOLE   5,920 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,419,835 7,620 SH   SOLE   7,620 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 BBG00Q6ZDXT0 724,166 11,210 SH   SOLE   11,210 0 0
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 BBG012NXXGN9 312,840 6,000 SH   SOLE   6,000 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 BBG00Q9MQ6T1 1,150,570 17,165 SH   SOLE   17,165 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 1,396,439 19,760 SH   SOLE   19,760 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 BBG00Q9MPQH1 3,849,769 40,460 SH   SOLE   40,460 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 4,325,426 45,080 SH   SOLE   45,080 0 0
APPLE INC COM 037833100 BBG001S5N8V8 2,401,997 10,309 SH   SOLE   10,309 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 BBG001S5ND74 217,752 3,645 SH   SOLE   3,645 0 0
AUTOZONE INC COM 053332102 BBG001S6Q5D9 305,554 97 SH   SOLE   97 0 0
AVERY DENNISON CORP COM 053611109 BBG001S5NZM8 225,175 1,020 SH   SOLE   1,020 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 307,914 669 SH   SOLE   669 0 0
BEST BUY INC COM 086516101 BBG001S5P285 419,915 4,065 SH   SOLE   4,065 0 0
BLACKROCK INC COM 09247X101 BBG001SDBP55 431,078 454 SH   SOLE   454 0 0
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105 BBG003BPM0W5 956,036 44,220 SH   SOLE   44,220 0 0
BLACKROCK MUNIVEST FD INC COM 09253R105 BBG001S5TGK6 142,880 18,800 SH   SOLE   18,800 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 1,445,550 8,380 SH   SOLE   8,380 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 563,213 1,440 SH   SOLE   1,440 0 0
CHUBB LIMITED COM H1467J104 BBG001S8S1L3 260,993 905 SH   SOLE   905 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 574,350 10,792 SH   SOLE   10,792 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 247,696 5,930 SH   SOLE   5,930 0 0
CONAGRA BRANDS INC COM 205887102 BBG001S5PGY5 226,990 6,980 SH   SOLE   6,980 0 0
CONSTELLATION BRANDS INC CL A 21036P108 BBG001SD31G5 231,921 900 SH   SOLE   900 0 0
CONSTELLATION ENERGY CORP COM 21037T109 BBG014KFRPJ9 212,176 816 SH   SOLE   816 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 354,608 400 SH   SOLE   400 0 0
CROWN CASTLE INC COM 22822V101 BBG001S7W5T3 244,378 2,060 SH   SOLE   2,060 0 0
DEERE & CO COM 244199105 BBG001S5QFF7 672,319 1,611 SH   SOLE   1,611 0 0
DELL TECHNOLOGIES INC CL C 24703L202 BBG00DW3SZT0 1,087,605 9,175 SH   SOLE   9,175 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 491,001 15,450 SH   SOLE   15,450 0 0
DISCOVER FINL SVCS COM 254709108 BBG001SS0KV6 203,841 1,453 SH   SOLE   1,453 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 331,952 3,451 SH   SOLE   3,451 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 BBG01BBK3R95 3,014,202 27,671 SH   SOLE   27,671 0 0
EA SERIES TRUST INTL QUAN MOMNTM 02072L300 BBG00BR3YKT6 239,699 8,320 SH   SOLE   8,320 0 0
EA SERIES TRUST US QUAN MOMENTUM 02072L409 BBG00BKYP4L9 1,870,497 29,140 SH   SOLE   29,140 0 0
EBAY INC. COM 278642103 BBG001S9B9J5 254,255 3,905 SH   SOLE   3,905 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 BBG001SF2288 205,889 3,120 SH   SOLE   3,120 0 0
ELECTRONIC ARTS INC COM 285512109 BBG001S5T5C9 276,839 1,930 SH   SOLE   1,930 0 0
EQUIFAX INC COM 294429105 BBG001S5QSK3 235,088 800 SH   SOLE   800 0 0
EQUINOR ASA SPONSORED ADR 29446M102 BBG001SJ3R93 266,218 10,510 SH   SOLE   10,510 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 657,956 5,613 SH   SOLE   5,613 0 0
FEDEX CORP COM 31428X106 BBG001S5R3M5 335,258 1,225 SH   SOLE   1,225 0 0
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 BBG00L4J9BR4 436,827 8,700 SH   SOLE   8,700 0 0
FISERV INC COM 337738108 BBG001S5R6Q4 242,528 1,350 SH   SOLE   1,350 0 0
FRANKLIN TEMPLETON ETF TR FTSE BRAZIL 35473P835 BBG00J3M9WL3 250,764 13,800 SH   SOLE   13,800 0 0
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 BBG00L2CKST9 1,785,150 73,554 SH   SOLE   73,554 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376 BBG00VNLZSW4 1,199,494 49,875 SH   SOLE   49,875 0 0
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 307,418 7,520 SH   SOLE   7,520 0 0
HALEON PLC SPON ADS 405552100 BBG018GZNDB0 303,963 28,730 SH   SOLE   28,730 0 0
HCA HEALTHCARE INC COM 40412C101 BBG001T8NTY2 469,427 1,155 SH   SOLE   1,155 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 904,845 2,233 SH   SOLE   2,233 0 0
ICICI BANK LIMITED ADR 45104G104 BBG001SCD3Z1 662,551 22,196 SH   SOLE   22,196 0 0
INFOSYS LTD SPONSORED ADR 456788108 BBG001S6ZLV4 406,650 18,260 SH   SOLE   18,260 0 0
INNOVATIVE INDL PPTYS INC COM 45781V101 BBG00F0SW7P6 279,968 2,080 SH   SOLE   2,080 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 371,193 1,679 SH   SOLE   1,679 0 0
INVESCO ACTIVELY MANAGED EXC AAA CLO FLTNG RT 46090A721 BBG01BTTD0X8 299,732 11,690 SH   SOLE   11,690 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 3,100,501 126,758 SH   SOLE   126,758 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 292,878 600 SH   SOLE   600 0 0
IRON MTN INC DEL COM 46284V101 BBG001SCQ2X1 311,335 2,620 SH   SOLE   2,620 0 0
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 298,740 6,000 SH   SOLE   6,000 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 BBG005DW0468 759,476 15,060 SH   SOLE   15,060 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 1,471,460 29,000 SH   SOLE   29,000 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 283,556 4,550 SH   SOLE   4,550 0 0
ISHARES TR ISHARES BIOTECH 464287556 BBG001SGYSW7 364,000 2,500 SH   SOLE   2,500 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 460,918 8,580 SH   SOLE   8,580 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 902,530 9,420 SH   SOLE   9,420 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 BBG007WGK4B0 399,762 9,900 SH   SOLE   9,900 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 BBG00GP26NW0 608,880 12,000 SH   SOLE   12,000 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 BBG00LYBQSH3 5,208,048 111,641 SH   SOLE   111,641 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 931,308 18,304 SH   SOLE   18,304 0 0
JAPAN SMALLER CAPITALIZATION COM 47109U104 BBG001S6JF54 102,548 12,400 SH   SOLE   12,400 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 603,187 3,722 SH   SOLE   3,722 0 0
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 315,396 1,496 SH   SOLE   1,496 0 0
KEYCORP COM 493267108 BBG001S5SKV6 413,775 24,703 SH   SOLE   24,703 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 262,791 1,847 SH   SOLE   1,847 0 0
KROGER CO COM 501044101 BBG001S5SN40 294,809 5,145 SH   SOLE   5,145 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 296,148 1,245 SH   SOLE   1,245 0 0
LENNAR CORP CL A 526057104 BBG001S5SRK3 703,050 3,750 SH   SOLE   3,750 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 278,251 476 SH   SOLE   476 0 0
LOWES COS INC COM 548661107 BBG001S5SVL3 216,409 799 SH   SOLE   799 0 0
MATCH GROUP INC NEW COM 57667L107 BBG00VT0KP47 262,231 6,930 SH   SOLE   6,930 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 710,117 2,332 SH   SOLE   2,332 0 0
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 728,775 1,474 SH   SOLE   1,474 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 428,121 3,770 SH   SOLE   3,770 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 915,904 1,600 SH   SOLE   1,600 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,651,509 6,162 SH   SOLE   6,162 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 368,820 520 SH   SOLE   520 0 0
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 1,403,835 11,790 SH   SOLE   11,790 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 BBG001SKQWJ3 173,565 14,500 SH   SOLE   14,500 0 0
NUVEEN VRIABL RAT PFD & INM COM 67080R102 BBG011B9SY72 1,176,174 62,100 SH   SOLE   62,100 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 349,747 2,880 SH   SOLE   2,880 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 903,461 5,302 SH   SOLE   5,302 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 669,600 18,000 SH   SOLE   18,000 0 0
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 379,616 4,865 SH   SOLE   4,865 0 0
PENTAIR PLC SHS G7S00T104 BBG001S69VB3 286,427 2,929 SH   SOLE   2,929 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 1,395,333 28,030 SH   SOLE   28,030 0 0
PIMCO ETF TR SR LN ACTIVE ETF 72201R627 BBG0180BK9Q6 1,234,008 24,130 SH   SOLE   24,130 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 435,771 2,516 SH   SOLE   2,516 0 0
PROGRESSIVE CORP COM 743315103 BBG001S5V509 872,173 3,437 SH   SOLE   3,437 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 535,658 3,150 SH   SOLE   3,150 0 0
READY CAPITAL CORP COM 75574U101 BBG003TCRSD0 97,664 12,800 SH   SOLE   12,800 0 0
REPUBLIC SVCS INC COM 760759100 BBG001S9DL33 253,460 1,262 SH   SOLE   1,262 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 372,809 3,077 SH   SOLE   3,077 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 1,008,621 3,685 SH   SOLE   3,685 0 0
SANOFI SPONSORED ADR 80105N105 BBG001S5W768 270,573 4,695 SH   SOLE   4,695 0 0
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 217,567 3,357 SH   SOLE   3,357 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 BBG0051K49J8 434,053 11,615 SH   SOLE   11,615 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 BBG0051QD594 1,223,738 32,077 SH   SOLE   32,077 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 592,210 14,402 SH   SOLE   14,402 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 4,645,158 69,831 SH   SOLE   69,831 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 1,258,996 15,665 SH   SOLE   15,665 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 3,540,653 66,020 SH   SOLE   66,020 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 395,306 1,751 SH   SOLE   1,751 0 0
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 512,102 7,765 SH   SOLE   7,765 0 0
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205 BBG001SDCF10 246,940 7,930 SH   SOLE   7,930 0 0
SONY GROUP CORP SPONSORED ADR 835699307 BBG001S5W6H8 503,613 5,215 SH   SOLE   5,215 0 0
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 BBG006LCM0W6 209,252 2,600 SH   SOLE   2,600 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 1,408,824 15,345 SH   SOLE   15,345 0 0
SPDR SER TR PORT MTG BK ETF 78464A383 BBG001T2HF72 3,038,171 134,850 SH   SOLE   134,850 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 649,414 7,480 SH   SOLE   7,480 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 225,494 2,313 SH   SOLE   2,313 0 0
STRYKER CORPORATION COM 863667101 BBG001S8FR03 596,079 1,650 SH   SOLE   1,650 0 0
SYNOPSYS INC COM 871607107 BBG001S5VTR8 546,901 1,080 SH   SOLE   1,080 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 791,588 4,558 SH   SOLE   4,558 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 BBG001S9TN41 398,109 2,590 SH   SOLE   2,590 0 0
TE CONNECTIVITY PLC ORD SHS G87052109 BBG01Q08MMX4 314,512 2,083 SH   SOLE   2,083 0 0
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 278,870 1,350 SH   SOLE   1,350 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 247,428 400 SH   SOLE   400 0 0
TOUCHSTONE ETF TRUST SECURITIZED INCO 89157W707 BBG01HGXMNS6 324,398 12,200 SH   SOLE   12,200 0 0
TYSON FOODS INC CL A 902494103 BBG001S871D5 207,269 3,480 SH   SOLE   3,480 0 0
UBS GROUP AG SHS H42097107 BBG007936GX0 406,003 13,135 SH   SOLE   13,135 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 366,594 627 SH   SOLE   627 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353 BBG002YJGHH3 966,555 48,595 SH   SOLE   48,595 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 489,903 2,440 SH   SOLE   2,440 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,750,899 9,715 SH   SOLE   9,715 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 301,133 1,725 SH   SOLE   1,725 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 265,568 5,550 SH   SOLE   5,550 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 2,255,933 45,750 SH   SOLE   45,750 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 7,745,981 164,075 SH   SOLE   164,075 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,356,562 20,954 SH   SOLE   20,954 0 0
VANGUARD WELLINGTON FD US MOMENTUM 921935508 BBG00K26BG83 519,869 3,230 SH   SOLE   3,230 0 0
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 BBG00K26C194 1,036,639 7,950 SH   SOLE   7,950 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 495,452 7,465 SH   SOLE   7,465 0 0
VIATRIS INC COM 92556V106 BBG00Y52JV51 127,420 10,975 SH   SOLE   10,975 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 460,266 1,674 SH   SOLE   1,674 0 0
WALMART INC COM 931142103 BBG001S5XH92 661,343 8,190 SH   SOLE   8,190 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 210,091 1,012 SH   SOLE   1,012 0 0
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 205,793 3,643 SH   SOLE   3,643 0 0
WESTERN ASSET EMERGING MKTS COM 95766A101 BBG001SCCJM1 202,582 19,900 SH   SOLE   19,900 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103 BBG001SHY2Q9 285,694 970 SH   SOLE   970 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 292,665 5,450 SH   SOLE   5,450 0 0