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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
JP Morgan Ultra-Short Income ETF ExchangeTraded Fund 46641Q837   14,218,828 281,840 SH   SOLE   0 0 281,840
Microsoft COM 594918104   6,837,962 16,253 SH   SOLE   0 0 16,253
Amazon COM 023135106   6,295,623 34,902 SH   SOLE   0 0 34,902
Alphabet Cl A COM 38259P508   6,112,665 40,500 SH   SOLE   0 0 40,500
Apple Computer COM 037833100   5,504,165 32,098 SH   SOLE   0 0 32,098
Meta Platforms Inc COM 30303M102   5,356,919 11,032 SH   SOLE   0 0 11,032
Ishares 7-10 Year Treasury ExchangeTraded Fund 464287440   5,309,290 56,088 SH   SOLE   0 0 56,088
Broadcom COM 11135F101   5,116,083 3,860 SH   SOLE   0 0 3,860
Vanguard MBS ExchangeTraded Fund 92206C771   4,767,340 104,524 SH   SOLE   0 0 104,524
Vanguard Total Bond Market ExchangeTraded Fund 921937835   4,711,363 64,868 SH   SOLE   0 0 64,868
Quanta Services COM 74762E102   4,528,834 17,432 SH   SOLE   0 0 17,432
Vanguard Short Term Coporate ExchangeTraded Fund 92206C409   4,448,649 57,543 SH   SOLE   0 0 57,543
Applied Materials COM 038222105   4,298,246 20,842 SH   SOLE   0 0 20,842
HCA Inc. COM 40412C101   4,245,503 12,729 SH   SOLE   0 0 12,729
JP Morgan Chase COM 46625H100   4,216,916 21,053 SH   SOLE   0 0 21,053
Eaton Corp COM G29183103   4,146,405 13,261 SH   SOLE   0 0 13,261
EOG Resources COM 26875P101   4,120,283 32,230 SH   SOLE   0 0 32,230
Visa COM 92826C839   3,994,751 14,314 SH   SOLE   0 0 14,314
Marriott COM 571903202   3,986,246 15,799 SH   SOLE   0 0 15,799
Booking Holdings COM 741503403   3,947,133 1,088 SH   SOLE   0 0 1,088
SalesForce COM 79466L302   3,866,248 12,837 SH   SOLE   0 0 12,837
Vanguard Intermediate Term Coporate ExchangeTraded Fund 92206C870   3,705,634 46,027 SH   SOLE   0 0 46,027
Oracle COM 68389X105   3,687,910 29,360 SH   SOLE   0 0 29,360
Regeneron COM 75886F107   3,668,049 3,811 SH   SOLE   0 0 3,811
Lowes Companies COM 548661107   3,606,467 14,158 SH   SOLE   0 0 14,158
Blackrock COM 09247X101   3,463,190 4,154 SH   SOLE   0 0 4,154
Ishares National Muni Bond ExchangeTraded Fund 464288414   3,431,256 31,889 SH   SOLE   0 0 31,889
Union Pacific COM 907818108   3,318,088 13,492 SH   SOLE   0 0 13,492
Chubb COM H1467J104   3,305,721 12,757 SH   SOLE   0 0 12,757
FedEx Corp COM 31428X106   3,185,691 10,995 SH   SOLE   0 0 10,995
Comcast Cl A COM 20030N101   3,156,183 72,807 SH   SOLE   0 0 72,807
The Travelers Cos COM 89417E109   3,147,625 13,677 SH   SOLE   0 0 13,677
Wal-Mart Stores COM 931142103   3,071,137 51,041 SH   SOLE   0 0 51,041
United Healthcare COM 91324P102   3,004,313 6,073 SH   SOLE   0 0 6,073
Ishares S&P Short Term Nat'l Muni Bond ExchangeTraded Fund 464288158   2,976,741 28,423 SH   SOLE   0 0 28,423
Adobe COM 00724F101   2,905,487 5,758 SH   SOLE   0 0 5,758
Charles Schwab COM 808513105   2,631,802 36,381 SH   SOLE   0 0 36,381
Amgen COM 031162100   2,496,898 8,782 SH   SOLE   0 0 8,782
Honeywell Int'l COM 438516106   2,466,284 12,016 SH   SOLE   0 0 12,016
Advanced Mico Devices COM 007903107   2,409,722 13,351 SH   SOLE   0 0 13,351
Kroger COM 501044101   2,405,687 42,109 SH   SOLE   0 0 42,109
Constellation Brands COM 21036P108   2,373,824 8,735 SH   SOLE   0 0 8,735
T-Mobile U.S. COM 872590104   2,303,687 14,114 SH   SOLE   0 0 14,114
Iqvia Holdings COM 46266C105   2,275,757 8,999 SH   SOLE   0 0 8,999
Texas Instruments COM 882508104   2,249,225 12,911 SH   SOLE   0 0 12,911
Cisco Systems COM 17275R102   2,157,260 43,223 SH   SOLE   0 0 43,223
Agilent COM 00846U101   2,113,824 14,527 SH   SOLE   0 0 14,527
Thermo Fisher Scientific COM 883556102   2,046,440 3,521 SH   SOLE   0 0 3,521
Bank of America COM 060505104   1,913,898 50,472 SH   SOLE   0 0 50,472
Diamondback Energy COM 25278X109   1,902,036 9,598 SH   SOLE   0 0 9,598
S&P 500 SPDR ETF ExchangeTraded Fund 78462F103   1,860,560 3,557 SH   SOLE   0 0 3,557
ConocoPhilips COM 20825C104   1,829,905 14,377 SH   SOLE   0 0 14,377
Uber Inc COM 90353T100   1,758,452 22,840 SH   SOLE   0 0 22,840
Workday COM 98138H101   1,625,863 5,961 SH   SOLE   0 0 5,961
SPDR Midcap 400 ETF ExchangeTraded Fund 78467Y107   1,551,800 2,789 SH   SOLE   0 0 2,789
Becton Dickinson COM 075887109   1,507,960 6,094 SH   SOLE   0 0 6,094
Boeing COM 097023105   1,505,322 7,800 SH   SOLE   0 0 7,800
PepsiCo COM 713448108   1,356,678 7,752 SH   SOLE   0 0 7,752
Wells Fargo COM 949746101   1,277,786 22,046 SH   SOLE   0 0 22,046
Hershey COM 427866108   1,096,980 5,640 SH   SOLE   0 0 5,640
Abbvie Inc COM 00287Y109   1,084,406 5,955 SH   SOLE   0 0 5,955
Ishares Iboxx Investment Grade Corp Bond ExchangeTraded Fund 464287242   1,083,972 9,952 SH   SOLE   0 0 9,952
Merck COM 58933Y105   1,019,578 7,727 SH   SOLE   0 0 7,727
Ishare 3-7 Year Treasury ExchangeTraded Fund 464288661   940,956 8,125 SH   SOLE   0 0 8,125
Johnson & Johnson COM 478160104   925,412 5,850 SH   SOLE   0 0 5,850
Fiserv Inc COM 337738108   879,330 5,502 SH   SOLE   0 0 5,502
Deere COM 244199105   833,802 2,030 SH   SOLE   0 0 2,030
PayPal COM 70450Y103   788,137 11,765 SH   SOLE   0 0 11,765
Autozone COM 053332102   775,306 246 SH   SOLE   0 0 246
Diageo Plc ADS Common 25243Q205   564,766 3,797 SH   SOLE   0 0 3,797
Vertex Pharmaceuticals COM 92532F100   510,390 1,221 SH   SOLE   0 0 1,221
Ishares Japan ExchangeTraded Fund 46434G822   393,923 5,521 SH   SOLE   0 0 5,521
Nasdaq 100 Tr ExchangeTraded Fund 46090E103   378,741 853 SH   SOLE   0 0 853
BP PLC ADS Common 055622104   371,902 9,870 SH   SOLE   0 0 9,870
Ishares Russell 2000 ExchangeTraded Fund 464287655   343,841 1,635 SH   SOLE   0 0 1,635
Ishares MSCI Emerging Mkts ExchangeTraded Fund 464287234   332,255 8,088 SH   SOLE   0 0 8,088
Pacer Developed Markets ExchangeTraded Fund 69374H873   331,226 10,367 SH   SOLE   0 0 10,367
Ishares Asia Paciffc Ex Japan ExchangeTraded Fund 464288182   328,588 4,850 SH   SOLE   0 0 4,850
Illinois Tool Works COM 452308109   320,923 1,196 SH   SOLE   0 0 1,196
Pacer US Cash Cows 100 ExchangeTraded Fund 69374H881   316,235 5,442 SH   SOLE   0 0 5,442
Canadian Pacific Railway COM 13645T100   302,423 3,430 SH   SOLE   0 0 3,430
Waters COM 941848103   268,155 779 SH   SOLE   0 0 779
Astrazeneca COM 046353108   256,637 3,788 SH   SOLE   0 0 3,788
Danaher COM 235851102   244,476 979 SH   SOLE   0 0 979
Analog Devices COM 032654105   238,139 1,204 SH   SOLE   0 0 1,204
Citigroup COM 172967424   179,159 2,833 SH   SOLE   0 0 2,833
Costco COM 22160K105   128,210 175 SH   SOLE   0 0 175
Ishares Aggregate Bond ExchangeTraded Fund 464287226   110,672 1,130 SH   SOLE   0 0 1,130
Tractor Supply COM 892356106   109,922 420 SH   SOLE   0 0 420
Lululemon COM 550021109   102,350 262 SH   SOLE   0 0 262
Ishares Short Term Coporate ExchangeTraded Fund 464288646   71,792 1,400 SH   SOLE   0 0 1,400
Intuit COM 461202103   69,550 107 SH   SOLE   0 0 107
Mid-America Apartment COM 59522J103   65,132 495 SH   SOLE   0 0 495
Ishares High Yield ExchangeTraded Fund 464288513   55,577 715 SH   SOLE   0 0 715
Proctor and Gamble COM 742718109   43,159 266 SH   SOLE   0 0 266
Marathon Petroleum COM 56585A102   30,225 150 SH   SOLE   0 0 150
Invesco S&P 500 Equal Weight ExchangeTraded Fund 46137V357   26,760 158 SH   SOLE   0 0 158
Alphabet CL C COM 02079K107   21,316 140 SH   SOLE   0 0 140
CSX COM 126408103   20,982 566 SH   SOLE   0 0 566
Motorola Solutions COM 620076307   20,944 59 SH   SOLE   0 0 59
Palo Alto Netwroks COM 416202103   19,321 68 SH   SOLE   0 0 68
Home Depot COM 437076102   14,960 39 SH   SOLE   0 0 39
Devon Energy COM 25179M103   14,351 286 SH   SOLE   0 0 286
CME Group COM 12572Q105   13,994 65 SH   SOLE   0 0 65
EastGroup Properties COM 277276101   13,483 75 SH   SOLE   0 0 75
Air Products COM 009158106   8,722 36 SH   SOLE   0 0 36
JB Hunt COM 445658107   2,989 15 SH   SOLE   0 0 15