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   16,265,623 322,283 SH   SOLE   0 0 322,283
Alphabet Cl A COM 38259P508   7,392,922 40,587 SH   SOLE   0 0 40,587
Microsoft COM 594918104   7,262,044 16,248 SH   SOLE   0 0 16,248
Amazon COM 023135106   6,788,873 35,130 SH   SOLE   0 0 35,130
Apple Computer COM 037833100   6,737,102 31,987 SH   SOLE   0 0 31,987
Broadcom COM 11135F101   6,097,803 3,798 SH   SOLE   0 0 3,798
Meta Platforms Inc COM 30303M102   5,505,074 10,918 SH   SOLE   0 0 10,918
Ishares 7-10 Year Treasury ExchangeTraded Fund 464287440   5,327,280 56,885 SH   SOLE   0 0 56,885
Vanguard MBS ExchangeTraded Fund 92206C771   4,902,973 107,995 SH   SOLE   0 0 107,995
Applied Materials COM 038222105   4,849,595 20,550 SH   SOLE   0 0 20,550
Vanguard Total Bond Market ExchangeTraded Fund 921937835   4,727,633 65,616 SH   SOLE   0 0 65,616
Vanguard Short Term Coporate ExchangeTraded Fund 92206C409   4,493,387 58,148 SH   SOLE   0 0 58,148
Quanta Services COM 74762E102   4,329,694 17,040 SH   SOLE   0 0 17,040
Booking Holdings COM 741503403   4,286,343 1,082 SH   SOLE   0 0 1,082
JP Morgan Chase COM 46625H100   4,190,423 20,718 SH   SOLE   0 0 20,718
Oracle COM 68389X105   4,147,750 29,375 SH   SOLE   0 0 29,375
EOG Resources COM 26875P101   4,143,011 32,915 SH   SOLE   0 0 32,915
Eaton Corp COM G29183103   4,080,495 13,014 SH   SOLE   0 0 13,014
HCA Inc. COM 40412C101   4,055,196 12,622 SH   SOLE   0 0 12,622
Regeneron COM 75886F107   3,956,077 3,764 SH   SOLE   0 0 3,764
Marriott COM 571903202   3,811,021 15,763 SH   SOLE   0 0 15,763
Visa COM 92826C839   3,738,623 14,244 SH   SOLE   0 0 14,244
Vanguard Intermediate Term Coporate ExchangeTraded Fund 92206C870   3,720,821 46,551 SH   SOLE   0 0 46,551
Ishares National Muni Bond ExchangeTraded Fund 464288414   3,468,309 32,551 SH   SOLE   0 0 32,551
FedEx Corp COM 31428X106   3,445,162 11,490 SH   SOLE   0 0 11,490
Wal-Mart Stores COM 931142103   3,402,901 50,257 SH   SOLE   0 0 50,257
SalesForce COM 79466L302   3,392,177 13,194 SH   SOLE   0 0 13,194
Adobe COM 00724F101   3,360,461 6,049 SH   SOLE   0 0 6,049
Blackrock COM 09247X101   3,302,020 4,194 SH   SOLE   0 0 4,194
United Healthcare COM 91324P102   3,261,810 6,405 SH   SOLE   0 0 6,405
Chubb COM H1467J104   3,248,699 12,736 SH   SOLE   0 0 12,736
Lowes Companies COM 548661107   3,202,622 14,527 SH   SOLE   0 0 14,527
Union Pacific COM 907818108   3,112,206 13,755 SH   SOLE   0 0 13,755
Ishares S&P Short Term Nat'l Muni Bond ExchangeTraded Fund 464288158   3,018,568 28,872 SH   SOLE   0 0 28,872
Comcast Cl A COM 20030N101   2,990,884 76,376 SH   SOLE   0 0 76,376
Amgen COM 031162100   2,873,915 9,198 SH   SOLE   0 0 9,198
The Travelers Cos COM 89417E109   2,769,084 13,618 SH   SOLE   0 0 13,618
Charles Schwab COM 808513105   2,692,854 36,543 SH   SOLE   0 0 36,543
Honeywell Int'l COM 438516106   2,631,240 12,322 SH   SOLE   0 0 12,322
Texas Instruments COM 882508104   2,504,963 12,877 SH   SOLE   0 0 12,877
T-Mobile U.S. COM 872590104   2,496,823 14,172 SH   SOLE   0 0 14,172
Constellation Brands COM 21036P108   2,347,937 9,126 SH   SOLE   0 0 9,126
Kroger COM 501044101   2,235,366 44,770 SH   SOLE   0 0 44,770
Advanced Mico Devices COM 007903107   2,204,109 13,588 SH   SOLE   0 0 13,588
Cisco Systems COM 17275R102   2,084,216 43,869 SH   SOLE   0 0 43,869
Uber Inc COM 90353T100   2,082,863 28,658 SH   SOLE   0 0 28,658
Bank of America COM 060505104   2,062,870 51,870 SH   SOLE   0 0 51,870
Diamondback Energy COM 25278X109   1,970,070 9,841 SH   SOLE   0 0 9,841
Thermo Fisher Scientific COM 883556102   1,957,067 3,539 SH   SOLE   0 0 3,539
Iqvia Holdings COM 46266C105   1,926,218 9,110 SH   SOLE   0 0 9,110
Agilent COM 00846U101   1,884,561 14,538 SH   SOLE   0 0 14,538
S&P 500 SPDR ETF ExchangeTraded Fund 78462F103   1,851,981 3,403 SH   SOLE   0 0 3,403
ConocoPhilips COM 20825C104   1,749,671 15,297 SH   SOLE   0 0 15,297
Workday COM 98138H101   1,512,607 6,766 SH   SOLE   0 0 6,766
Wells Fargo COM 949746101   1,448,878 24,396 SH   SOLE   0 0 24,396
SPDR Midcap 400 ETF ExchangeTraded Fund 78467Y107   1,428,664 2,670 SH   SOLE   0 0 2,670
PepsiCo COM 713448108   1,387,721 8,414 SH   SOLE   0 0 8,414
Hershey COM 427866108   1,112,907 6,054 SH   SOLE   0 0 6,054
Ishares Iboxx Investment Grade Corp Bond ExchangeTraded Fund 464287242   1,066,058 9,952 SH   SOLE   0 0 9,952
Abbvie Inc COM 00287Y109   1,029,635 6,003 SH   SOLE   0 0 6,003
Merck COM 58933Y105   1,017,760 8,221 SH   SOLE   0 0 8,221
Ishare 3-7 Year Treasury ExchangeTraded Fund 464288661   995,351 8,620 SH   SOLE   0 0 8,620
Fiserv Inc COM 337738108   897,370 6,021 SH   SOLE   0 0 6,021
Deere COM 244199105   804,799 2,154 SH   SOLE   0 0 2,154
Autozone COM 053332102   779,558 263 SH   SOLE   0 0 263
Invesco S&P 500 Equal Weight ExchangeTraded Fund 46137V357   722,996 4,401 SH   SOLE   0 0 4,401
Vertex Pharmaceuticals COM 92532F100   567,620 1,211 SH   SOLE   0 0 1,211
Ishares Japan ExchangeTraded Fund 46434G822   358,874 5,259 SH   SOLE   0 0 5,259
Astrazeneca COM 046353108   339,257 4,350 SH   SOLE   0 0 4,350
Ishares Asia Paciffc Ex Japan ExchangeTraded Fund 464288182   338,090 4,697 SH   SOLE   0 0 4,697
BP PLC ADS Common 055622104   337,102 9,338 SH   SOLE   0 0 9,338
Ishares Russell 2000 ExchangeTraded Fund 464287655   335,986 1,656 SH   SOLE   0 0 1,656
Ishares MSCI Emerging Mkts ExchangeTraded Fund 464287234   334,459 7,853 SH   SOLE   0 0 7,853
Pacer Developed Markets ExchangeTraded Fund 69374H873   306,332 10,090 SH   SOLE   0 0 10,090
Pacer US Cash Cows 100 ExchangeTraded Fund 69374H881   288,252 5,290 SH   SOLE   0 0 5,290
Illinois Tool Works COM 452308109   283,404 1,196 SH   SOLE   0 0 1,196
Analog Devices COM 032654105   272,314 1,193 SH   SOLE   0 0 1,193
Canadian Pacific Railway COM 13645T100   266,107 3,380 SH   SOLE   0 0 3,380
Danaher COM 235851102   242,355 970 SH   SOLE   0 0 970
Waters COM 941848103   224,263 773 SH   SOLE   0 0 773
Citigroup COM 172967424   179,782 2,833 SH   SOLE   0 0 2,833
Ishares Aggregate Bond ExchangeTraded Fund 464287226   109,689 1,130 SH   SOLE   0 0 1,130
Ishares Short Term Coporate ExchangeTraded Fund 464288646   71,736 1,400 SH   SOLE   0 0 1,400
Sysco COM 871829107   71,390 1,000 SH   SOLE   0 0 1,000
Mid-America Apartment COM 59522J103   70,592 495 SH   SOLE   0 0 495
Ishares High Yield ExchangeTraded Fund 464288513   55,155 715 SH   SOLE   0 0 715
Lululemon COM 550021109   52,273 175 SH   SOLE   0 0 175
Tractor Supply COM 892356106   36,450 135 SH   SOLE   0 0 135
Eli Lily COM 532457108   36,215 40 SH   SOLE   0 0 40
New York Times COM 650111107   33,235 649 SH   SOLE   0 0 649
Kinder Morgan COM 49456B101   32,289 1,625 SH   SOLE   0 0 1,625
Marathon Petroleum COM 56585A102   26,022 150 SH   SOLE   0 0 150
Alphabet CL C COM 02079K107   25,679 140 SH   SOLE   0 0 140
Motorola Solutions COM 620076307   22,777 59 SH   SOLE   0 0 59
Devon Energy COM 25179M103   13,556 286 SH   SOLE   0 0 286
Home Depot COM 437076102   13,425 39 SH   SOLE   0 0 39
CME Group COM 12572Q105   12,779 65 SH   SOLE   0 0 65
Apollo COM 03769M109   11,807 100 SH   SOLE   0 0 100
Qualcom COM 747525103   11,154 56 SH   SOLE   0 0 56
Proctor and Gamble COM 742718109   10,720 65 SH   SOLE   0 0 65
Blackstone COM 09260D107   10,647 86 SH   SOLE   0 0 86
Air Products COM 009158106   9,290 36 SH   SOLE   0 0 36
AIG COM 026874784   8,315 112 SH   SOLE   0 0 112
Boeing COM 097023105   4,550 25 SH   SOLE   0 0 25
PayPal COM 70450Y103   4,352 75 SH   SOLE   0 0 75