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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106 2 20 SH   SOLE   20 0 0
INVESCO QQQ TRUST ETF 46090E103 60 214 SH   SOLE   214 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 44 348 SH   SOLE   348 0 0
BLOCK INC CL A Stock 852234103 0 5 SH   SOLE   5 0 0
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 1,181 44,815 SH   SOLE   44,815 0 0
ELEVANCE HEALTH INC COM Stock 036752103 22 46 SH   SOLE   46 0 0
DOLLAR GEN CORP NEW COM Stock 256677105 23 94 SH   SOLE   94 0 0
SPDR S&P NORTH AMERICAN NATURAL RESOURCES ETF ETF 78463X152 13,731 278,962 SH   SOLE   278,962 0 0
JOHNSON & JOHNSON COM Stock 478160104 34 191 SH   SOLE   191 0 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN Stock 01881G106 83 2,000 SH   SOLE   2,000 0 0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 20 335 SH   SOLE   335 0 0
HCA HEALTHCARE INC COM Stock 40412C101 23 139 SH   SOLE   139 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 2 15 SH   SOLE   15 0 0
INTEL CORP COM Stock 458140100 1 24 SH   SOLE   24 0 0
CME GROUP INC COM Stock 12572Q105 2 8 SH   SOLE   8 0 0
ISHARES TREASURY FLOATING RATE BOND ETF ETF 46434V860 41,720 827,769 SH   SOLE   827,769 0 0
PROLOGIS INC. COM REIT 74340W103 6 55 SH   SOLE   55 0 0
MERCK & CO INC COM Stock 58933Y105 2 26 SH   SOLE   26 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 266 2,543 SH   SOLE   2,543 0 0
SPDR S&P 500 ETF ETF 78462F103 626 1,659 SH   SOLE   1,659 0 0
STEEL DYNAMICS INC COM Stock 858119100 2 23 SH   SOLE   23 0 0
EMERSON ELEC CO COM Stock 291011104 4 50 SH   SOLE   50 0 0
CHUBB LIMITED COM Stock H1467J104 24 122 SH   SOLE   122 0 0
FEDEX CORP COM Stock 31428X106 35 155 SH   SOLE   155 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457 59 709 SH   SOLE   709 0 0
SNAP INC CL A Stock 83304A106 1 100 SH   SOLE   100 0 0
GLOBAL X U.S. INFRASTRUCTURE DEVELOPMENT ETF ETF 37954Y673 14 625 SH   SOLE   625 0 0
KIMBERLY-CLARK CORP COM Stock 494368103 1 7 SH   SOLE   7 0 0
FIRSTENERGY CORP COM Stock 337932107 1 16 SH   SOLE   16 0 0
US BANCORP DEL COM NEW Stock 902973304 20 426 SH   SOLE   426 0 0
HOME DEPOT INC COM Stock 437076102 1 5 SH   SOLE   5 0 0
STARWOOD PPTY TR INC COM REIT 85571B105 31 1,500 SH   SOLE   1,500 0 0
INVESCO S&P 500 MOMENTUM ETF ETF 46138E339 808 15,558 SH   SOLE   15,558 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 42,676 332,784 SH   SOLE   332,784 0 0
SOUTHERN CO COM Stock 842587107 8 113 SH   SOLE   113 0 0
AMERISOURCEBERGEN CORP COM Stock 03073E105 33 235 SH   SOLE   235 0 0
LABORATORY CORP AMER HLDGS COM NEW Stock 50540R409 20 87 SH   SOLE   87 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 12 173 SH   SOLE   173 0 0
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 2,820 56,299 SH   SOLE   56,299 0 0
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 80,082 2,693,637 SH   SOLE   2,693,637 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 2,786 28,112 SH   SOLE   28,112 0 0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND ETF 92206C409 70 913 SH   SOLE   913 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 66 820 SH   SOLE   820 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 41 19 SH   SOLE   19 0 0
PROGRESSIVE CORP COM Stock 743315103 23 194 SH   SOLE   194 0 0
FRANKLIN FTSE JAPAN HEDGED ETF ETF 35473P637 10,731 370,238 SH   SOLE   370,238 0 0
FISERV INC COM Stock 337738108 28 312 SH   SOLE   312 0 0
ISHARES U.S. INFRASTRUCTURE ETF ETF 46435U713 15,189 446,199 SH   SOLE   446,199 0 0
MICROSOFT CORP COM Stock 594918104 13 51 SH   SOLE   51 0 0
SS&C TECHNOLOGIES HLDGS INC COM Stock 78467J100 32 545 SH   SOLE   545 0 0
DOCUSIGN INC COM Stock 256163106 0 5 SH   SOLE   5 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDRA FUND ETF 81369Y852 11 201 SH   SOLE   201 0 0
FRANKLIN FTSE EUROPE ETF ETF 35473P652 482 21,132 SH   SOLE   21,132 0 0
BAUSCH HEALTH COS INC COM Stock 071734107 6 700 SH   SOLE   700 0 0
VANGUARD INTERMEDIATE-TERM GOVERNMENT BOND ETF ETF 92206C706 31 513 SH   SOLE   513 0 0
PROSHARES ONLINE RETAIL ETF ETF 74347B169 3 89 SH   SOLE   89 0 0
NIKE INC CL B Stock 654106103 0 4 SH   SOLE   4 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 24 779 SH   SOLE   779 0 0
NORFOLK SOUTHN CORP COM Stock 655844108 2 7 SH   SOLE   7 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874 10 193 SH   SOLE   193 0 0
WALGREENS BOOTS ALLIANCE INC COM Stock 931427108 0 3 SH   SOLE   3 0 0
STANLEY BLACK & DECKER INC COM Stock 854502101 28 267 SH   SOLE   267 0 0
VANGUARD S&P 500 ETF ETF 922908363 81,616 235,286 SH   SOLE   235,286 0 0
VANGUARD COMMUNICATION SERVICES ETF ETF 92204A884 6 69 SH   SOLE   69 0 0
CORTEVA INC COM Stock 22052L104 0 6 SH   SOLE   6 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 231 1,722 SH   SOLE   1,722 0 0
INVESCO ULTRA SHORT DURATION ETF ETF 46090A887 2,806 56,630 SH   SOLE   56,630 0 0
LILLY ELI & CO COM Stock 532457108 2 5 SH   SOLE   5 0 0
OVERLAY SHARES CORE BOND ETF ETF 53656F862 216 9,838 SH   SOLE   9,838 0 0
OVERLAY SHARES LARGE CAP EQUITY ETF ETF 53656F805 102,408 3,297,017 SH   SOLE   3,297,016 0 0
OVERLAY SHARES MUNICIPAL BOND ETF ETF 53656F854 104 4,628 SH   SOLE   4,628 0 0
VANGUARD RUSSELL 1000 VALUE ETF ETF 92206C714 2,581 40,610 SH   SOLE   40,610 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 32,192 316,941 SH   SOLE   316,941 0 0
SPDR S&P HEALTH CARE EQUIPMENT ETF ETF 78464A581 6 69 SH   SOLE   69 0 0
MICRON TECHNOLOGY INC COM Stock 595112103 29 518 SH   SOLE   518 0 0
JPMORGAN EQUITY PREMIUM INCOME ETF ETF 46641Q332 77 1,381 SH   SOLE   1,381 0 0
ISHARES FLOATING RATE BOND ETF ETF 46429B655 42,418 849,716 SH   SOLE   849,716 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 157 1,332 SH   SOLE   1,332 0 0
AMERICAN ELEC PWR CO INC COM Stock 025537101 1 9 SH   SOLE   9 0 0
MARATHON PETE CORP COM Stock 56585A102 1 12 SH   SOLE   12 0 0
VANGUARD MID-CAP GROWTH INDEX FUND ETF 922908538 16,022 91,354 SH   SOLE   91,354 0 0
ROBLOX CORP CL A Stock 771049103 0 6 SH   SOLE   6 0 0
ELECTRONIC ARTS INC COM Stock 285512109 9 78 SH   SOLE   78 0 0
INVESCO KBW BANK ETF ETF 46138E628 24 468 SH   SOLE   468 0 0
LUCID GROUP INC COM Stock 549498103 12 690 SH   SOLE   690 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 241 3,429 SH   SOLE   3,429 0 0
META PLATFORMS INC CL A Stock 30303M102 24 151 SH   SOLE   151 0 0
ISHARES U.S. TRANSPORTATION ETF ETF 464287192 4 18 SH   SOLE   18 0 0
LPL FINL HLDGS INC COM Stock 50212V100 19 103 SH   SOLE   103 0 0
MONDELEZ INTL INC CL A Stock 609207105 7 109 SH   SOLE   109 0 0
BROADCOM INC COM Stock 11135F101 45 93 SH   SOLE   93 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 1,552 26,378 SH   SOLE   26,378 0 0
ABBVIE INC COM Stock 00287Y109 2 13 SH   SOLE   13 0 0
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND ETF 97717W760 80 1,365 SH   SOLE   1,365 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 624 12,714 SH   SOLE   12,714 0 0
VANGUARD TOTAL BOND MARKET INDEX FUND ETF 921937835 99 1,313 SH   SOLE   1,313 0 0
SYNOVUS FINL CORP COM NEW Stock 87161C501 4 100 SH   SOLE   100 0 0
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608 56 1,354 SH   SOLE   1,354 0 0
CISCO SYS INC COM Stock 17275R102 31 729 SH   SOLE   729 0 0
PTC THERAPEUTICS INC COM Stock 69366J200 7 175 SH   SOLE   175 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 562 7,854 SH   SOLE   7,854 0 0
MATERIALS SELECT SECTOR SPDR FUND ETF 81369Y100 12 160 SH   SOLE   160 0 0
ISHARES MSCI USA MOMENTUM FACTOR ETF ETF 46432F396 4,714 34,566 SH   SOLE   34,566 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 24 174 SH   SOLE   174 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 11 127 SH   SOLE   127 0 0
ISHARES U.S. FINANCIAL SERVICES ETF ETF 464287770 30 201 SH   SOLE   201 0 0
ISHARES EXPANDED TECH-SOFTWARE SECTOR ETF ETF 464287515 13 49 SH   SOLE   49 0 0
FIDELITY MSCI HEALTH CARE INDEX ETF ETF 316092600 2,786 45,924 SH   SOLE   45,924 0 0
FIDELITY MSCI CONSUMER STAPLES INDEX ETF ETF 316092303 21,792 503,625 SH   SOLE   503,625 0 0
WISDOMTREE INTERNATIONAL LARGECAP DIVIDEND FUND ETF 97717W794 44 1,046 SH   SOLE   1,046 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 3,253 8,581 SH   SOLE   8,581 0 0
ROSS STORES INC COM Stock 778296103 18 259 SH   SOLE   259 0 0
ISHARES MBS ETF ETF 464288588 35 361 SH   SOLE   361 0 0
PROSPECT CAP CORP COM CEF 74348T102 36 5,100 SH   SOLE   5,100 0 0
LOCKHEED MARTIN CORP COM Stock 539830109 2 5 SH   SOLE   5 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 32 286 SH   SOLE   286 0 0
INTERNATIONAL PAPER CO COM Stock 460146103 1 18 SH   SOLE   18 0 0
CHEVRON CORP NEW COM Stock 166764100 43 294 SH   SOLE   294 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 284 2,670 SH   SOLE   2,670 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 2,515 54,114 SH   SOLE   54,114 0 0
WALMART INC COM Stock 931142103 0 4 SH   SOLE   4 0 0
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448 68 2,496 SH   SOLE   2,496 0 0
PFIZER INC COM Stock 717081103 2 39 SH   SOLE   39 0 0
VANECK AGRIBUSINESS ETF ETF 92189F700 6 67 SH   SOLE   67 0 0
ISHARES 0-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 46434V100 80,527 1,661,717 SH   SOLE   1,661,717 0 0
KLA CORP COM NEW Stock 482480100 22 69 SH   SOLE   69 0 0
ISHARES CURRENCY HEDGED MSCI EAFE ETF ETF 46434V803 56 1,757 SH   SOLE   1,757 0 0
AMERICAN EXPRESS CO COM Stock 025816109 18 133 SH   SOLE   133 0 0
TYSON FOODS INC CL A Stock 902494103 36 421 SH   SOLE   421 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258 2,953 39,326 SH   SOLE   39,326 0 0
VAN ECK MERK GOLD TRUST ETF 921078101 7 386 SH   SOLE   386 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 933 9,180 SH   SOLE   9,180 0 0
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621 11 221 SH   SOLE   221 0 0
BLACKROCK ULTRA SHORT-TERM BOND ETF ETF 46434V878 2,828 56,518 SH   SOLE   56,518 0 0
CRANE HLDGS CO COM Stock 224441105 0 4 SH   SOLE   4 0 0
ARK GENOMIC REVOLUTION ETF ETF 00214Q302 2 62 SH   SOLE   62 0 0
CITIGROUP INC COM NEW Stock 172967424 21 467 SH   SOLE   467 0 0
EXXON MOBIL CORP COM Stock 30231G102 2 22 SH   SOLE   22 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102 30 58 SH   SOLE   58 0 0
AUTOZONE INC COM Stock 053332102 41 19 SH   SOLE   19 0 0
CBRE GROUP INC CL A Stock 12504L109 29 399 SH   SOLE   399 0 0
APPLE INC COM Stock 037833100 13 92 SH   SOLE   92 0 0
GOLDMAN SACHS ACTIVEBETA U.S. LARGE CAP EQUITY ETF ETF 381430503 27 356 SH   SOLE   356 0 0