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 372,413 3,584 SH   SOLE   3,584 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 236,355 1,378 SH   SOLE   1,378 0 0
ADOBE INC COM 00724F101 BBG001S5NCQ5 395,544 712 SH   SOLE   712 0 0
AFLAC INC COM 001055102 BBG001S5NGJ4 284,452 3,185 SH   SOLE   3,185 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 382,515 2,100 SH   SOLE   2,100 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,085,846 5,920 SH   SOLE   5,920 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,472,565 7,620 SH   SOLE   7,620 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 BBG00Q6ZDXT0 770,345 12,610 SH   SOLE   12,610 0 0
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 BBG012NXXGN9 292,500 6,000 SH   SOLE   6,000 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 BBG00Q9MQ6T1 1,436,027 23,065 SH   SOLE   23,065 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 1,283,412 19,760 SH   SOLE   19,760 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 BBG00Q9MPQH1 3,898,012 43,220 SH   SOLE   43,220 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 4,390,000 48,930 SH   SOLE   48,930 0 0
APPLE INC COM 037833100 BBG001S5N8V8 2,171,282 10,309 SH   SOLE   10,309 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 BBG001S5ND74 220,340 3,645 SH   SOLE   3,645 0 0
AUTOZONE INC COM 053332102 BBG001S6Q5D9 287,518 97 SH   SOLE   97 0 0
AVERY DENNISON CORP COM 053611109 BBG001S5NZM8 223,023 1,020 SH   SOLE   1,020 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 272,149 669 SH   SOLE   669 0 0
BEST BUY INC COM 086516101 BBG001S5P285 342,639 4,065 SH   SOLE   4,065 0 0
BLACKROCK INC COM 09247X101 BBG001SDBP55 357,443 454 SH   SOLE   454 0 0
BLACKROCK INVT QUALITY MUN T COM 09247D105 BBG001S72D73 143,640 12,000 SH   SOLE   12,000 0 0
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105 BBG003BPM0W5 959,989 46,220 SH   SOLE   46,220 0 0
BLACKROCK MUNIVEST FD INC COM 09253R105 BBG001S5TGK6 177,816 24,800 SH   SOLE   24,800 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 1,345,434 838 SH   SOLE   838 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 479,664 1,440 SH   SOLE   1,440 0 0
CHUBB LIMITED COM H1467J104 BBG001S8S1L3 230,847 905 SH   SOLE   905 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 512,728 10,792 SH   SOLE   10,792 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 232,219 5,930 SH   SOLE   5,930 0 0
CONSTELLATION BRANDS INC CL A 21036P108 BBG001SD31G5 231,552 900 SH   SOLE   900 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 432,348 509 SH   SOLE   509 0 0
DEERE & CO COM 244199105 BBG001S5QFF7 601,918 1,611 SH   SOLE   1,611 0 0
DELL TECHNOLOGIES INC CL C 24703L202 BBG00DW3SZT0 1,265,324 9,175 SH   SOLE   9,175 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 547,412 18,450 SH   SOLE   18,450 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 343,146 3,456 SH   SOLE   3,456 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 BBG01BBK3R95 2,361,149 21,900 SH   SOLE   21,900 0 0
EA SERIES TRUST INTL QUAN MOMNTM 02072L300 BBG00BR3YKT6 243,697 8,820 SH   SOLE   8,820 0 0
EA SERIES TRUST US QUAN MOMENTUM 02072L409 BBG00BKYP4L9 1,901,606 32,640 SH   SOLE   32,640 0 0
EBAY INC. COM 278642103 BBG001S9B9J5 209,777 3,905 SH   SOLE   3,905 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 BBG001SF2288 288,194 3,120 SH   SOLE   3,120 0 0
ELECTRONIC ARTS INC COM 285512109 BBG001S5T5C9 268,907 1,930 SH   SOLE   1,930 0 0
ELEVANCE HEALTH INC COM 036752103 BBG001S6KBQ8 202,656 374 SH   SOLE   374 0 0
EQUINOR ASA SPONSORED ADR 29446M102 BBG001SJ3R93 325,870 11,410 SH   SOLE   11,410 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 646,169 5,613 SH   SOLE   5,613 0 0
FEDEX CORP COM 31428X106 BBG001S5R3M5 367,304 1,225 SH   SOLE   1,225 0 0
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 BBG00L4J9BR4 434,217 8,700 SH   SOLE   8,700 0 0
FISERV INC COM 337738108 BBG001S5R6Q4 201,204 1,350 SH   SOLE   1,350 0 0
FRANKLIN TEMPLETON ETF TR FTSE BRAZIL 35473P835 BBG00J3M9WL3 250,131 15,050 SH   SOLE   15,050 0 0
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 BBG00L2CKST9 1,849,899 75,784 SH   SOLE   75,784 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376 BBG00VNLZSW4 1,187,701 50,225 SH   SOLE   50,225 0 0
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 289,520 7,520 SH   SOLE   7,520 0 0
HALEON PLC SPON ADS 405552100 BBG018GZNDB0 240,614 29,130 SH   SOLE   29,130 0 0
HCA HEALTHCARE INC COM 40412C101 BBG001T8NTY2 371,078 1,155 SH   SOLE   1,155 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 768,716 2,233 SH   SOLE   2,233 0 0
ICICI BANK LIMITED ADR 45104G104 BBG001SCD3Z1 639,467 22,196 SH   SOLE   22,196 0 0
INFOSYS LTD SPONSORED ADR 456788108 BBG001S6ZLV4 340,001 18,260 SH   SOLE   18,260 0 0
INNOVATIVE INDL PPTYS INC COM 45781V101 BBG00F0SW7P6 227,178 2,080 SH   SOLE   2,080 0 0
INTEL CORP COM 458140100 BBG001S5SF65 285,296 9,212 SH   SOLE   9,212 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 290,383 1,679 SH   SOLE   1,679 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 3,050,300 127,308 SH   SOLE   127,308 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 287,502 600 SH   SOLE   600 0 0
IRON MTN INC DEL COM 46284V101 BBG001SCQ2X1 234,804 2,620 SH   SOLE   2,620 0 0
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 280,020 6,000 SH   SOLE   6,000 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 BBG005DW0468 741,705 15,060 SH   SOLE   15,060 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 454,770 9,000 SH   SOLE   9,000 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 266,266 4,550 SH   SOLE   4,550 0 0
ISHARES TR ISHARES BIOTECH 464287556 BBG001SGYSW7 343,150 2,500 SH   SOLE   2,500 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 471,079 9,190 SH   SOLE   9,190 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 864,850 9,420 SH   SOLE   9,420 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 BBG007WGK4B0 383,031 9,900 SH   SOLE   9,900 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 BBG00LYBQSH3 4,439,255 99,423 SH   SOLE   99,423 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 1,073,772 21,104 SH   SOLE   21,104 0 0
JAPAN SMALLER CAPITALIZATION COM 47109U104 BBG001S6JF54 93,992 12,400 SH   SOLE   12,400 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 544,008 3,722 SH   SOLE   3,722 0 0
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 302,532 1,496 SH   SOLE   1,496 0 0
KEYCORP COM 493267108 BBG001S5SKV6 351,030 24,703 SH   SOLE   24,703 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 255,255 1,847 SH   SOLE   1,847 0 0
KROGER CO COM 501044101 BBG001S5SN40 256,890 5,145 SH   SOLE   5,145 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 279,602 1,245 SH   SOLE   1,245 0 0
LENNAR CORP CL A 526057104 BBG001S5SRK3 562,013 3,750 SH   SOLE   3,750 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 222,340 476 SH   SOLE   476 0 0
MATCH GROUP INC NEW COM 57667L107 BBG00VT0KP47 210,533 6,930 SH   SOLE   6,930 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 594,287 2,332 SH   SOLE   2,332 0 0
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 860,875 1,474 SH   SOLE   1,474 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 466,726 3,770 SH   SOLE   3,770 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 806,752 1,600 SH   SOLE   1,600 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,754,106 6,162 SH   SOLE   6,162 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 350,938 520 SH   SOLE   520 0 0
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 1,682,905 11,790 SH   SOLE   11,790 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 BBG001SKQWJ3 166,170 14,500 SH   SOLE   14,500 0 0
NUVEEN VRIABL RAT PFD & INM COM 67080R102 BBG011B9SY72 1,141,398 62,100 SH   SOLE   62,100 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 355,795 2,880 SH   SOLE   2,880 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 748,642 5,302 SH   SOLE   5,302 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 468,605 18,500 SH   SOLE   18,500 0 0
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 282,316 4,865 SH   SOLE   4,865 0 0
PENTAIR PLC SHS G7S00T104 BBG001S69VB3 224,566 2,929 SH   SOLE   2,929 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107 BBG00KJQ1QS8 215,698 4,340 SH   SOLE   4,340 0 0
POWERSHARES ACTIVELY MANAGED AAA CLO FLTNG RT 46090A721 BBG01BTTD0X8 322,478 12,560 SH   SOLE   12,560 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 414,939 2,516 SH   SOLE   2,516 0 0
PROGRESSIVE CORP COM 743315103 BBG001S5V509 713,899 3,437 SH   SOLE   3,437 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 590,569 2,965 SH   SOLE   2,965 0 0
REPUBLIC SVCS INC COM 760759100 BBG001S9DL33 245,257 1,262 SH   SOLE   1,262 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 308,900 3,077 SH   SOLE   3,077 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 938,415 3,650 SH   SOLE   3,650 0 0
SANOFI SPONSORED ADR 80105N105 BBG001S5W768 227,801 4,695 SH   SOLE   4,695 0 0
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 247,377 3,357 SH   SOLE   3,357 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 BBG0051QD594 1,114,997 32,077 SH   SOLE   32,077 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 BBG0051K49J8 406,873 11,615 SH   SOLE   11,615 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 553,325 14,402 SH   SOLE   14,402 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 4,509,728 71,731 SH   SOLE   71,731 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 1,160,463 15,665 SH   SOLE   15,665 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 3,438,641 66,115 SH   SOLE   66,115 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 396,129 1,751 SH   SOLE   1,751 0 0
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 582,132 8,065 SH   SOLE   8,065 0 0
SONY GROUP CORP SPONSORED ADR 835699307 BBG001S5W6H8 443,014 5,215 SH   SOLE   5,215 0 0
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 BBG006LCM0W6 201,798 2,700 SH   SOLE   2,700 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 1,281,708 13,965 SH   SOLE   13,965 0 0
SPDR SER TR PORT MTG BK ETF 78464A383 BBG001T2HF72 2,908,715 134,850 SH   SOLE   134,850 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 585,759 7,480 SH   SOLE   7,480 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 BBG004DF1DW8 2,224,094 53,208 SH   SOLE   53,208 0 0
STRYKER CORPORATION COM 863667101 BBG001S8FR03 561,413 1,650 SH   SOLE   1,650 0 0
SYNOPSYS INC COM 871607107 BBG001S5VTR8 642,665 1,080 SH   SOLE   1,080 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 792,226 4,558 SH   SOLE   4,558 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 BBG001S9TN41 402,719 2,590 SH   SOLE   2,590 0 0
TE CONNECTIVITY LTD SHS H84989104 BBG001STLRP3 313,346 2,083 SH   SOLE   2,083 0 0
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 262,616 1,350 SH   SOLE   1,350 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 221,200 400 SH   SOLE   400 0 0
TOUCHSTONE ETF TRUST SECURITIZED INCO 89157W707 BBG01HGXMNS6 316,162 12,200 SH   SOLE   12,200 0 0
UBS GROUP AG SHS H42097107 BBG007936GX0 388,008 13,135 SH   SOLE   13,135 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 319,306 627 SH   SOLE   627 0 0
VANECK ETF TRUST CLO ETF 92189H748 BBG0188ZYL92 439,931 8,310 SH   SOLE   8,310 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353 BBG002YJGHH3 936,807 48,945 SH   SOLE   48,945 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 445,349 2,440 SH   SOLE   2,440 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,751,340 10,285 SH   SOLE   10,285 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 276,707 1,725 SH   SOLE   1,725 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 253,370 5,790 SH   SOLE   5,790 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 523,747 10,790 SH   SOLE   10,790 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 6,752,342 148,730 SH   SOLE   148,730 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,336,188 22,159 SH   SOLE   22,159 0 0
VANGUARD WELLINGTON FD US MOMENTUM 921935508 BBG00K26BG83 485,146 3,230 SH   SOLE   3,230 0 0
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 BBG00K26C194 973,125 7,950 SH   SOLE   7,950 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 BBG004N1LYJ5 368,024 5,850 SH   SOLE   5,850 0 0
VIATRIS INC COM 92556V106 BBG00Y52JV51 116,664 10,975 SH   SOLE   10,975 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 439,375 1,674 SH   SOLE   1,674 0 0
WALMART INC COM 931142103 BBG001S5XH92 554,545 8,190 SH   SOLE   8,190 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 215,900 1,012 SH   SOLE   1,012 0 0
WELLS FARGO CO NEW COM 949746101 BBG001S5XF23 216,358 3,643 SH   SOLE   3,643 0 0
WESTERN ASSET EMERGING MKTS COM 95766A101 BBG001SCCJM1 185,269 19,900 SH   SOLE   19,900 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103 BBG001SHY2Q9 254,276 970 SH   SOLE   970 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 288,064 5,600 SH   SOLE   5,600 0 0