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
Ishares 7-10 Year Treasury ExchangeTraded Fund 464287440   6,411 64,678 SH   SOLE   0 0 64,678
Apple Computer COM 037833100   5,748 34,858 SH   SOLE   0 0 34,858
Quanta Services COM 74762E102   5,442 32,659 SH   SOLE   0 0 32,659
JP Morgan Ultra-Short Income ETF ExchangeTraded Fund 46641Q837   5,357 106,464 SH   SOLE   0 0 106,464
Amazon COM 023135106   5,216 50,502 SH   SOLE   0 0 50,502
Vanguard Total Bond Market ExchangeTraded Fund 921937835   5,090 68,947 SH   SOLE   0 0 68,947
Microsoft COM 594918104   5,040 17,483 SH   SOLE   0 0 17,483
Vanguard MBS ExchangeTraded Fund 92206C771   5,017 107,772 SH   SOLE   0 0 107,772
Alphabet Cl A COM 38259P508   4,973 47,942 SH   SOLE   0 0 47,942
Vanguard Short Term Coporate ExchangeTraded Fund 92206C409   4,835 63,423 SH   SOLE   0 0 63,423
EOG Resources COM 26875P101   4,086 35,648 SH   SOLE   0 0 35,648
Vanguard Intermediate Term Coporate ExchangeTraded Fund 92206C870   3,829 47,737 SH   SOLE   0 0 47,737
Ishares National Muni Bond ExchangeTraded Fund 464288414   3,794 35,213 SH   SOLE   0 0 35,213
HCA Inc. COM 40412C101   3,742 14,190 SH   SOLE   0 0 14,190
Visa COM 92826C839   3,629 16,097 SH   SOLE   0 0 16,097
Regeneron COM 75886F107   3,529 4,295 SH   SOLE   0 0 4,295
Broadcom COM 11135F101   3,413 5,320 SH   SOLE   0 0 5,320
Ishares S&P Short Term Nat'l Muni Bond ExchangeTraded Fund 464288158   3,289 31,420 SH   SOLE   0 0 31,420
Booking Holdings COM 741503403   3,199 1,206 SH   SOLE   0 0 1,206
United Healthcare COM 91324P102   3,152 6,670 SH   SOLE   0 0 6,670
Lowes Companies COM 548661107   3,115 15,579 SH   SOLE   0 0 15,579
Meta Platforms Inc COM 30303M102   3,077 14,518 SH   SOLE   0 0 14,518
Blackrock COM 09247X101   3,040 4,544 SH   SOLE   0 0 4,544
JP Morgan Chase COM 46625H100   3,013 23,120 SH   SOLE   0 0 23,120
Eaton Corp COM G29183103   2,996 17,486 SH   SOLE   0 0 17,486
Oracle COM 68389X105   2,971 31,973 SH   SOLE   0 0 31,973
Comcast Cl A COM 20030N101   2,916 76,921 SH   SOLE   0 0 76,921
Union Pacific COM 907818108   2,912 14,467 SH   SOLE   0 0 14,467
Marriott COM 571903202   2,891 17,409 SH   SOLE   0 0 17,409
Applied Materials COM 038222105   2,839 23,114 SH   SOLE   0 0 23,114
Texas Instruments COM 882508104   2,816 15,141 SH   SOLE   0 0 15,141
FedEx Corp COM 31428X106   2,775 12,143 SH   SOLE   0 0 12,143
Wal-Mart Stores COM 931142103   2,769 18,776 SH   SOLE   0 0 18,776
Chubb COM H1467J104   2,734 14,080 SH   SOLE   0 0 14,080
SalesForce COM 79466L302   2,730 13,665 SH   SOLE   0 0 13,665
Walt Disney COM 254687106   2,662 26,588 SH   SOLE   0 0 26,588
The Travelers Cos COM 89417E109   2,559 14,928 SH   SOLE   0 0 14,928
Honeywell Int'l COM 438516106   2,459 12,866 SH   SOLE   0 0 12,866
Cisco Systems COM 17275R102   2,416 46,211 SH   SOLE   0 0 46,211
Adobe COM 00724F101   2,412 6,259 SH   SOLE   0 0 6,259
Thermo Fisher Scientific COM 883556102   2,390 4,147 SH   SOLE   0 0 4,147
Agilent COM 00846U101   2,301 16,630 SH   SOLE   0 0 16,630
Estee Lauder COM 518439104   2,216 8,991 SH   SOLE   0 0 8,991
Amgen COM 031162100   2,190 9,059 SH   SOLE   0 0 9,059
Constellation Brands COM 21036P108   2,131 9,434 SH   SOLE   0 0 9,434
Advanced Mico Devices COM 007903107   2,103 21,462 SH   SOLE   0 0 21,462
EBAY COM 278642103   2,092 47,141 SH   SOLE   0 0 47,141
Charles Schwab COM 808513105   2,026 38,684 SH   SOLE   0 0 38,684
Iqvia Holdings COM 46266C105   1,917 9,637 SH   SOLE   0 0 9,637
Bank of America COM 060505104   1,826 63,836 SH   SOLE   0 0 63,836
S&P 500 SPDR ETF ExchangeTraded Fund 78462F103   1,755 4,286 SH   SOLE   0 0 4,286
Johnson & Johnson COM 478160104   1,753 11,310 SH   SOLE   0 0 11,310
Boeing COM 097023105   1,715 8,073 SH   SOLE   0 0 8,073
Medtronic COM 585055106   1,513 18,761 SH   SOLE   0 0 18,761
Diageo Plc ADS Common 25243Q205   1,492 8,234 SH   SOLE   0 0 8,234
SPDR Midcap 400 ETF ExchangeTraded Fund 78467Y107   1,409 3,073 SH   SOLE   0 0 3,073
Ishares Iboxx Investment Grade Corp Bond ExchangeTraded Fund 464287242   1,348 12,300 SH   SOLE   0 0 12,300
ConocoPhilips COM 20825C104   1,343 13,540 SH   SOLE   0 0 13,540
Diamondback Energy COM 25278X109   1,333 9,863 SH   SOLE   0 0 9,863
Workday COM 98138H101   1,192 5,771 SH   SOLE   0 0 5,771
Abbvie Inc COM 00287Y109   1,170 7,343 SH   SOLE   0 0 7,343
PayPal COM 70450Y103   1,146 15,093 SH   SOLE   0 0 15,093
PepsiCo COM 713448108   1,068 5,859 SH   SOLE   0 0 5,859
Deere COM 244199105   865 2,096 SH   SOLE   0 0 2,096
USBancorp COM 902973304   730 20,247 SH   SOLE   0 0 20,247
Ishare 3-7 Year Treasury ExchangeTraded Fund 464288661   661 5,619 SH   SOLE   0 0 5,619
Autozone COM 053332102   600 244 SH   SOLE   0 0 244
Fiserv Inc COM 337738108   474 4,198 SH   SOLE   0 0 4,198
Vertex Pharmaceuticals COM 92532F100   409 1,299 SH   SOLE   0 0 1,299
BP PLC ADS Common 055622104   402 10,584 SH   SOLE   0 0 10,584
Illinois Tool Works COM 452308109   387 1,588 SH   SOLE   0 0 1,588
Nasdaq 100 Tr ExchangeTraded Fund 46090E103   372 1,160 SH   SOLE   0 0 1,160
Ishares Japan ExchangeTraded Fund 46434G822   353 6,012 SH   SOLE   0 0 6,012
Ishares Asia Paciffc Ex Japan ExchangeTraded Fund 464288182   341 5,021 SH   SOLE   0 0 5,021
Ishares MSCI Emerging Mkts ExchangeTraded Fund 464287234   333 8,428 SH   SOLE   0 0 8,428
Ishares Russell 2000 ExchangeTraded Fund 464287655   318 1,784 SH   SOLE   0 0 1,784
Canadian Pacific Railway COM 13645T100   302 3,925 SH   SOLE   0 0 3,925
Becton Dickinson COM 075887109   275 1,111 SH   SOLE   0 0 1,111
Costco COM 22160K105   174 350 SH   SOLE   0 0 350
Wells Fargo COM 949746101   157 4,203 SH   SOLE   0 0 4,203
PNC COM 693475105   115 901 SH   SOLE   0 0 901
Ishares Aggregate Bond ExchangeTraded Fund 464287226   113 1,130 SH   SOLE   0 0 1,130
Lululemon COM 550021109   101 276 SH   SOLE   0 0 276
Mid-America Apartment COM 59522J103   75 495 SH   SOLE   0 0 495
Ishares Short Term Coporate ExchangeTraded Fund 464288646   71 1,400 SH   SOLE   0 0 1,400
T-Mobile U.S. COM 872590104   67 463 SH   SOLE   0 0 463
Ishares High Yield ExchangeTraded Fund 464288513   61 812 SH   SOLE   0 0 812
Tractor Supply COM 892356106   57 244 SH   SOLE   0 0 244