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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
AMAZON COM INC COM 023135106   962,448 7,383 SH   SOLE   0 0 7,383
CISCO SYS INC COM 17275R102   275,102 5,317 SH   SOLE   0 0 5,317
COSTCO WHSL CORP NEW COM 22160K105   206,115 383 SH   SOLE   0 0 383
ISHARES TR EAFE SML CP ETF 464288273   2,385,338 40,443 SH   SOLE   0 0 40,443
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,585,021 51,037 SH   SOLE   0 0 51,037
NVIDIA CORPORATION COM 67066G104   1,457,727 3,446 SH   SOLE   0 0 3,446
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,176,739 10,944 SH   SOLE   0 0 10,944
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,241,128 14,714 SH   SOLE   0 0 14,714
GLOBE LIFE INC COM 37959E102   215,530 1,966 SH   SOLE   0 0 1,966
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   944,382 12,733 SH   SOLE   0 0 12,733
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307   2,713,240 92,193 SH   SOLE   0 0 92,193
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,613,243 19,875 SH   SOLE   0 0 19,875
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   700,318 20,775 SH   SOLE   0 0 20,775
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,367,362 10,302 SH   SOLE   0 0 10,302
HEALTHEQUITY INC COM 42226A107   280,910 4,449 SH   SOLE   0 0 4,449
INVESCO DB MULTI-SECTOR COMM OIL FD 46140H403   2,330,322 165,037 SH   SOLE   0 0 165,037
SPDR GOLD TR GOLD SHS 78463V107   3,864,715 21,679 SH   SOLE   0 0 21,679
SPDR SER TR PORTFOLIO LN TSR 78464A664   555,662 18,584 SH   SOLE   0 0 18,584
SPDR SER TR PORTFLI INTRMDIT 78464A672   2,578,039 91,129 SH   SOLE   0 0 91,129
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,464,209 19,925 SH   SOLE   0 0 19,925
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,318,614 20,150 SH   SOLE   0 0 20,150
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   449,479 4,228 SH   SOLE   0 0 4,228
INVESCO QQQ TR UNIT SER 1 46090E103   342,822 928 SH   SOLE   0 0 928
ISHARES TR CORE S&P SCP ETF 464287804   519,376 5,212 SH   SOLE   0 0 5,212
META PLATFORMS INC CL A 30303M102   1,039,155 3,621 SH   SOLE   0 0 3,621
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   360,719 2,221 SH   SOLE   0 0 2,221
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   203,049 1,892 SH   SOLE   0 0 1,892
ISHARES GOLD TR ISHARES NEW 464285204   699,707 19,228 SH   SOLE   0 0 19,228
SPDR SER TR PORTFOLIO S&P500 78464A854   1,222,112 23,453 SH   SOLE   0 0 23,453
SPDR SER TR PORTFOLIO S&P600 78468R853   576,269 14,837 SH   SOLE   0 0 14,837
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   600,849 4,342 SH   SOLE   0 0 4,342
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   4,868,711 97,102 SH   SOLE   0 0 97,102
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,770,896 36,623 SH   SOLE   0 0 36,623
ISHARES TR AGENCY BOND ETF 464288166   562,963 5,263 SH   SOLE   0 0 5,263
ISHARES TR IBOXX HI YD ETF 464288513   792,514 10,557 SH   SOLE   0 0 10,557
SPDR SER TR PORTFOLIO AGRGTE 78464A649   435,679 17,173 SH   SOLE   0 0 17,173
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   867,549 26,661 SH   SOLE   0 0 26,661
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   229,830 6,685 SH   SOLE   0 0 6,685
SPDR SER TR PORTFOLIO S&P400 78464A847   520,467 11,342 SH   SOLE   0 0 11,342
SPDR SER TR PRTFLO S&P500 VL 78464A508   342,144 7,920 SH   SOLE   0 0 7,920
SPDR SER TR PORTFOLIO SHORT 78464A474   428,617 14,559 SH   SOLE   0 0 14,559
ALPHABET INC CAP STK CL A 02079K305   1,118,836 9,347 SH   SOLE   0 0 9,347
APPLE INC COM 037833100   3,691,506 19,031 SH   SOLE   0 0 19,031
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   964,348 2,828 SH   SOLE   0 0 2,828
MICROSOFT CORP COM 594918104   811,012 2,382 SH   SOLE   0 0 2,382
QUALCOMM INC COM 747525103   333,312 2,800 SH   SOLE   0 0 2,800
TESLA INC COM 88160R101   290,041 1,108 SH   SOLE   0 0 1,108
VANGUARD INDEX FDS MID CAP ETF 922908629   2,453,658 11,145 SH   SOLE   0 0 11,145
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   775,054 1,903 SH   SOLE   0 0 1,903
VANGUARD INDEX FDS SM CP VAL ETF 922908611   582,934 3,524 SH   SOLE   0 0 3,524
VANGUARD INDEX FDS VALUE ETF 922908744   3,215,665 22,630 SH   SOLE   0 0 22,630
WALMART INC COM 931142103   80,548,978 512,463 SH   SOLE   0 0 512,463
AKAMAI TECHNOLOGIES INC COM 00971T101   407,111 4,530 SH   SOLE   0 0 4,530
EXXON MOBIL CORP COM 30231G102   561,561 5,236 SH   SOLE   0 0 5,236
GENERAL DYNAMICS CORP COM 369550108   326,167 1,516 SH   SOLE   0 0 1,516
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,224,796 12,239 SH   SOLE   0 0 12,239
ISHARES TR CORE US AGGBD ET 464287226   1,479,916 15,109 SH   SOLE   0 0 15,109
ISHARES TR EAFE VALUE ETF 464288877   2,299,788 46,992 SH   SOLE   0 0 46,992
LOWES COS INC COM 548661107   271,969 1,205 SH   SOLE   0 0 1,205
SPDR SER TR BLOOMBERG SHT TE 78468R408   267,229 10,819 SH   SOLE   0 0 10,819
UNITED PARCEL SERVICE INC CL B 911312106   201,633 1,125 SH   SOLE   0 0 1,125
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,428,819 74,249 SH   SOLE   0 0 74,249
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,100,768 51,641 SH   SOLE   0 0 51,641
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   230,181 940 SH   SOLE   0 0 940
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   833,427 9,974 SH   SOLE   0 0 9,974
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,146,548 15,172 SH   SOLE   0 0 15,172
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   3,084,456 42,433 SH   SOLE   0 0 42,433
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   329,847 10,041 SH   SOLE   0 0 10,041
ISHARES TR GLOBAL TECH ETF 464287291   939,256 15,103 SH   SOLE   0 0 15,103
LKQ CORP COM 501889208   333,334 5,721 SH   SOLE   0 0 5,721
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   472,794 1,375 SH   SOLE   0 0 1,375
THE CIGNA GROUP COM 125523100   415,290 1,480 SH   SOLE   0 0 1,480
ISHARES TR 7-10 YR TRSY BD 464287440   1,552,435 16,071 SH   SOLE   0 0 16,071
ISHARES TR RUS MID CAP ETF 464287499   301,030 4,122 SH   SOLE   0 0 4,122
DIGITAL TURBINE INC COM NEW 25400W102   181,888 19,600 SH   SOLE   0 0 19,600
INDEXIQ ACTIVE ETF TR IQ MACKAY INTRME 45409F827   1,989,286 81,662 SH   SOLE   0 0 81,662
VALERO ENERGY CORP COM 91913Y100   202,221 1,724 SH   SOLE   0 0 1,724
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   495,893 9,659 SH   SOLE   0 0 9,659
BRISTOL-MYERS SQUIBB CO COM 110122108   290,013 4,535 SH   SOLE   0 0 4,535
INTERNATIONAL BUSINESS MACHS COM 459200101   204,656 1,529 SH   SOLE   0 0 1,529
SELECTIVE INS GROUP INC COM 816300107   304,031 3,169 SH   SOLE   0 0 3,169
CONOCOPHILLIPS COM 20825C104   303,370 2,928 SH   SOLE   0 0 2,928
ABBVIE INC COM 00287Y109   207,888 1,543 SH   SOLE   0 0 1,543
ADOBE SYSTEMS INCORPORATED COM 00724F101   254,764 521 SH   SOLE   0 0 521
UNITEDHEALTH GROUP INC COM 91324P102   350,387 729 SH   SOLE   0 0 729
SCHWAB CHARLES CORP COM 808513105   291,222 5,138 SH   SOLE   0 0 5,138
ISHARES TR SHRT NAT MUN ETF 464288158   844,493 8,117 SH   SOLE   0 0 8,117
JPMORGAN CHASE & CO COM 46625H100   744,944 5,122 SH   SOLE   0 0 5,122
NORTHROP GRUMMAN CORP COM 666807102   592,084 1,299 SH   SOLE   0 0 1,299
ORACLE CORP COM 68389X105   359,414 3,018 SH   SOLE   0 0 3,018
SPDR SER TR S&P DIVID ETF 78464A763   269,676 2,200 SH   SOLE   0 0 2,200
HOME DEPOT INC COM 437076102   205,022 660 SH   SOLE   0 0 660
TJX COS INC NEW COM 872540109   224,270 2,645 SH   SOLE   0 0 2,645
ISHARES TR MSCI EAFE ETF 464287465   1,494,805 20,618 SH   SOLE   0 0 20,618
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   589,364 17,083 SH   SOLE   0 0 17,083
ISHARES TR DOW JONES US ETF 464287846   560,716 5,176 SH   SOLE   0 0 5,176
VANGUARD WORLD FDS INF TECH ETF 92204A702   305,595 691 SH   SOLE   0 0 691
PAYPAL HLDGS INC COM 70450Y103   258,045 3,867 SH   SOLE   0 0 3,867
ISHARES TR CORE S&P500 ETF 464287200   1,639,197 3,678 SH   SOLE   0 0 3,678
ISHARES TR RUSSELL 2000 ETF 464287655   764,249 4,081 SH   SOLE   0 0 4,081
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,197,445 2,701 SH   SOLE   0 0 2,701
TARGET CORP COM 87612E106   436,193 3,307 SH   SOLE   0 0 3,307
ISHARES TR NATIONAL MUN ETF 464288414   1,093,983 10,250 SH   SOLE   0 0 10,250
ISHARES TR BROAD USD HIGH 46435U853   565,824 16,029 SH   SOLE   0 0 16,029
ISHARES TR MBS ETF 464288588   825,395 8,850 SH   SOLE   0 0 8,850
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   336,668 4,260 SH   SOLE   0 0 4,260
ISHARES TR 1 3 YR TREAS BD 464287457   1,002,960 12,370 SH   SOLE   0 0 12,370
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   240,031 3,197 SH   SOLE   0 0 3,197
KLA CORP COM NEW 482480100   319,143 658 SH   SOLE   0 0 658
SPDR SER TR S&P 600 SMCP VAL 78464A300   250,868 3,250 SH   SOLE   0 0 3,250
AMN HEALTHCARE SVCS INC COM 001744101   294,842 2,702 SH   SOLE   0 0 2,702
ISHARES TR CORE S&P US VLU 464287663   1,023,719 13,081 SH   SOLE   0 0 13,081
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   313,647 5,433 SH   SOLE   0 0 5,433
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   215,946 4,300 SH   SOLE   0 0 4,300
WELLS FARGO CO NEW COM 949746101   217,455 5,095 SH   SOLE   0 0 5,095
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   211,186 2,300 SH   SOLE   0 0 2,300
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   211,932 2,100 SH   SOLE   0 0 2,100
BIOGEN INC COM 09062X103   256,365 900 SH   SOLE   0 0 900
SPDR SER TR S&P INS ETF 78464A789   269,808 6,600 SH   SOLE   0 0 6,600
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200   241,705 5,035 SH   SOLE   0 0 5,035