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
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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
JP Morgan Ultra-Short Income ETF ExchangeTraded Fund 46641Q837 5,013 99,937 SH   SOLE   0 0 99,937
Ishares Barclays Aggregate Bond ExchangeTraded Fund 464287226 4,806 49,887 SH   SOLE   0 0 49,887
Apple Computer COM 037833100 4,820 34,880 SH   SOLE   0 0 34,880
Ishares Iboxx Investment Grade Corp Bond ExchangeTraded Fund 464287242 4,697 45,846 SH   SOLE   0 0 45,846
Ishares MBS ETF ExchangeTraded Fund 464288588 4,611 50,354 SH   SOLE   0 0 50,354
Ishares 1-3 Year Credit Bond ExchangeTraded Fund 464288646 4,604 93,417 SH   SOLE   0 0 93,417
Quanta Services COM 74762E102 4,535 35,597 SH   SOLE   0 0 35,597
Alphabet Cl A COM 38259P508 4,409 46,095 SH   SOLE   0 0 46,095
Microsoft COM 594918104 4,035 17,326 SH   SOLE   0 0 17,326
EOG Resources COM 26875P101 3,979 35,617 SH   SOLE   0 0 35,617
Amazon COM 023135106 3,607 31,924 SH   SOLE   0 0 31,924
Ishares National Muni Bond ExchangeTraded Fund 464288414 3,442 33,557 SH   SOLE   0 0 33,557
United Healthcare COM 91324P102 3,414 6,759 SH   SOLE   0 0 6,759
Regeneron COM 75886F107 3,077 4,467 SH   SOLE   0 0 4,467
Ishares S&P Short Term Nat'l Muni Bond ExchangeTraded Fund 464288158 3,053 29,741 SH   SOLE   0 0 29,741
Lowes Companies COM 548661107 2,932 15,614 SH   SOLE   0 0 15,614
Visa COM 92826C839 2,839 15,979 SH   SOLE   0 0 15,979
Union Pacific COM 907818108 2,782 14,282 SH   SOLE   0 0 14,282
Charles Schwab COM 808513105 2,745 38,198 SH   SOLE   0 0 38,198
HCA Inc. COM 40412C101 2,640 14,365 SH   SOLE   0 0 14,365
Chubb COM H1467J104 2,550 14,018 SH   SOLE   0 0 14,018
Blackrock COM 09247X101 2,498 4,539 SH   SOLE   0 0 4,539
Marriott COM 571903202 2,433 17,364 SH   SOLE   0 0 17,364
Wal-Mart Stores COM 931142103 2,418 18,642 SH   SOLE   0 0 18,642
Broadcom COM 11135F101 2,413 5,434 SH   SOLE   0 0 5,434
JP Morgan Chase COM 46625H100 2,379 22,762 SH   SOLE   0 0 22,762
Eaton Corp COM G29183103 2,351 17,628 SH   SOLE   0 0 17,628
Texas Instruments COM 882508104 2,331 15,059 SH   SOLE   0 0 15,059
The Travelers Cos COM 89417E109 2,282 14,894 SH   SOLE   0 0 14,894
Constellation Brands COM 21036P108 2,141 9,320 SH   SOLE   0 0 9,320
Honeywell Int'l COM 438516106 2,137 12,796 SH   SOLE   0 0 12,796
Thermo Fisher Scientific COM 883556102 2,083 4,106 SH   SOLE   0 0 4,106
Amgen COM 031162100 2,066 9,166 SH   SOLE   0 0 9,166
Agilent COM 00846U101 2,041 16,791 SH   SOLE   0 0 16,791
Bank of America COM 060505104 1,995 66,044 SH   SOLE   0 0 66,044
Oracle COM 68389X105 1,974 32,322 SH   SOLE   0 0 32,322
Booking Holdings COM 741503403 1,972 1,200 SH   SOLE   0 0 1,200
Estee Lauder COM 518439104 1,945 9,009 SH   SOLE   0 0 9,009
SalesForce COM 79466L302 1,907 13,261 SH   SOLE   0 0 13,261
Applied Materials COM 038222105 1,893 23,103 SH   SOLE   0 0 23,103
Cisco Systems COM 17275R102 1,834 45,843 SH   SOLE   0 0 45,843
FedEx Corp COM 31428X106 1,818 12,245 SH   SOLE   0 0 12,245
Johnson & Johnson COM 478160104 1,795 10,991 SH   SOLE   0 0 10,991
Meta Platforms Inc COM 30303M102 1,736 12,797 SH   SOLE   0 0 12,797
Comcast Cl A COM 20030N101 1,721 58,675 SH   SOLE   0 0 58,675
Zebra technologies COM 989207105 1,714 6,541 SH   SOLE   0 0 6,541
Intuit Inc COM 461202103 1,708 4,409 SH   SOLE   0 0 4,409
EBAY COM 278642103 1,707 46,364 SH   SOLE   0 0 46,364
Iqvia Holdings COM 46266C105 1,696 9,362 SH   SOLE   0 0 9,362
Medtronic COM 585055106 1,627 20,144 SH   SOLE   0 0 20,144
Adobe COM 00724F101 1,490 5,415 SH   SOLE   0 0 5,415
S&P 500 SPDR ETF ExchangeTraded Fund 78462F103 1,451 4,061 SH   SOLE   0 0 4,061
PayPal COM 70450Y103 1,377 15,999 SH   SOLE   0 0 15,999
Pioneer Nattural Resources COM 723787107 1,323 6,108 SH   SOLE   0 0 6,108
Advanced Mico Devices COM 007903107 1,315 20,748 SH   SOLE   0 0 20,748
ConocoPhilips COM 20825C104 1,284 12,550 SH   SOLE   0 0 12,550
Diageo Plc ADS Common 25243Q205 1,252 7,374 SH   SOLE   0 0 7,374
SPDR Midcap 400 ETF ExchangeTraded Fund 78467Y107 1,182 2,944 SH   SOLE   0 0 2,944
Boeing COM 097023105 969 8,002 SH   SOLE   0 0 8,002
PepsiCo COM 713448108 954 5,843 SH   SOLE   0 0 5,843
Abbvie Inc COM 00287Y109 941 7,011 SH   SOLE   0 0 7,011
USBancorp COM 902973304 776 19,235 SH   SOLE   0 0 19,235
Deere COM 244199105 651 1,949 SH   SOLE   0 0 1,949
Autozone COM 053332102 565 264 SH   SOLE   0 0 264
Ally Financial COM 02005N100 394 14,175 SH   SOLE   0 0 14,175
Ishare 3-7 Year Treasury ExchangeTraded Fund 464288661 381 3,332 SH   SOLE   0 0 3,332
Vertex Pharmaceuticals COM 92532F100 341 1,177 SH   SOLE   0 0 1,177
Illinois Tool Works COM 452308109 306 1,695 SH   SOLE   0 0 1,695
BP PLC ADS Common 055622104 296 10,381 SH   SOLE   0 0 10,381
Fiserv Inc COM 337738108 293 3,133 SH   SOLE   0 0 3,133
Nasdaq 100 Tr ExchangeTraded Fund 46090E103 290 1,085 SH   SOLE   0 0 1,085
Ishares Russell 2000 ExchangeTraded Fund 464287655 277 1,682 SH   SOLE   0 0 1,682
Canadian Pacific Railway COM 13645T100 262 3,930 SH   SOLE   0 0 3,930
Costco COM 22160K105 236 500 SH   SOLE   0 0 500
Workday COM 98138H101 234 1,534 SH   SOLE   0 0 1,534
T Rowe Price COM 74144T108 217 2,071 SH   SOLE   0 0 2,071