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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
3M CO COM 88579Y101   435,723 3,367 SH   SOLE   0 0 3,367
AMAZON COM INC COM 023135106   976,707 9,196 SH   SOLE   0 0 9,196
CISCO SYS INC COM 17275R102   206,889 4,852 SH   SOLE   0 0 4,852
ISHARES TR EAFE SML CP ETF 464288273   1,558,470 28,549 SH   SOLE   0 0 28,549
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   4,039,636 80,648 SH   SOLE   0 0 80,648
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,245,078 24,582 SH   SOLE   0 0 24,582
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,776,075 15,763 SH   SOLE   0 0 15,763
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,848,052 15,099 SH   SOLE   0 0 15,099
SPDR SER TR PORTFOLIO S&P400 78464A847   513,534 12,939 SH   SOLE   0 0 12,939
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   979,242 13,567 SH   SOLE   0 0 13,567
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307   1,497,884 48,326 SH   SOLE   0 0 48,326
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,461,183 20,433 SH   SOLE   0 0 20,433
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   635,716 20,214 SH   SOLE   0 0 20,214
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,321,633 10,306 SH   SOLE   0 0 10,306
HEALTHEQUITY INC COM 42226A107   273,308 4,452 SH   SOLE   0 0 4,452
INVESCO DB MULTI-SECTOR COMM OIL FD 46140H403   3,256,314 178,526 SH   SOLE   0 0 178,526
SPDR GOLD TR GOLD SHS 78463V107   3,270,482 19,414 SH   SOLE   0 0 19,414
SPDR SER TR PORTFLI INTRMDIT 78464A672   2,548,127 86,465 SH   SOLE   0 0 86,465
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,737,658 21,536 SH   SOLE   0 0 21,536
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,046,127 14,917 SH   SOLE   0 0 14,917
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   692,345 7,599 SH   SOLE   0 0 7,599
VANGUARD INDEX FDS SM CP VAL ETF 922908611   808,937 5,399 SH   SOLE   0 0 5,399
VANGUARD INDEX FDS VALUE ETF 922908744   2,085,023 15,810 SH   SOLE   0 0 15,810
ISHARES TR 20 YR TR BD ETF 464287432   988,848 8,608 SH   SOLE   0 0 8,608
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   710,844 11,623 SH   SOLE   0 0 11,623
META PLATFORMS INC CL A 30303M102   527,933 3,274 SH   SOLE   0 0 3,274
TESLA INC COM 88160R101   261,960 389 SH   SOLE   0 0 389
INTEL CORP COM 458140100   464,789 12,424 SH   SOLE   0 0 12,424
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   296,850 11,143 SH   SOLE   0 0 11,143
ISHARES TR 7-10 YR TRSY BD 464287440   240,006 2,346 SH   SOLE   0 0 2,346
ISHARES TR AGENCY BOND ETF 464288166   599,299 5,449 SH   SOLE   0 0 5,449
ISHARES GOLD TR ISHARES NEW 464285204   235,813 6,873 SH   SOLE   0 0 6,873
ISHARES TR TIPS BD ETF 464287176   211,089 1,853 SH   SOLE   0 0 1,853
ISHARES TR BLACKROCK ULTRA 46434V878   202,702 4,051 SH   SOLE   0 0 4,051
SPDR SER TR PORTFOLIO AGRGTE 78464A649   530,009 20,114 SH   SOLE   0 0 20,114
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   788,399 27,337 SH   SOLE   0 0 27,337
SPDR SER TR PORTFOLIO S&P500 78464A854   907,265 20,462 SH   SOLE   0 0 20,462
SPDR SER TR PORTFOLIO S&P600 78468R853   640,398 17,799 SH   SOLE   0 0 17,799
SPDR SER TR PORTFOLIO SHORT 78464A474   454,613 15,291 SH   SOLE   0 0 15,291
SPDR SER TR S&P REGL BKG 78464A698   223,383 3,845 SH   SOLE   0 0 3,845
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   948,438 10,087 SH   SOLE   0 0 10,087
VANGUARD INDEX FDS MID CAP ETF 922908629   1,880,164 9,545 SH   SOLE   0 0 9,545
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   698,763 5,395 SH   SOLE   0 0 5,395
ISHARES TR EAFE VALUE ETF 464288877   1,686,804 38,866 SH   SOLE   0 0 38,866
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,505,120 19,737 SH   SOLE   0 0 19,737
ISHARES TR IBOXX HI YD ETF 464288513   331,103 4,498 SH   SOLE   0 0 4,498
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   214,740 6,176 SH   SOLE   0 0 6,176
ALPHABET INC CAP STK CL A 02079K305   1,131,036 519 SH   SOLE   0 0 519
APPLE INC COM 037833100   3,008,655 22,006 SH   SOLE   0 0 22,006
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   866,292 3,173 SH   SOLE   0 0 3,173
CONOCOPHILLIPS COM 20825C104   408,276 4,546 SH   SOLE   0 0 4,546
MICROSOFT CORP COM 594918104   589,134 2,294 SH   SOLE   0 0 2,294
NVIDIA CORPORATION COM 67066G104   554,971 3,661 SH   SOLE   0 0 3,661
QUALCOMM INC COM 747525103   423,075 3,312 SH   SOLE   0 0 3,312
CIGNA CORP NEW COM 125523100   406,086 1,541 SH   SOLE   0 0 1,541
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   215,066 620 SH   SOLE   0 0 620
VISA INC COM CL A 92826C839   291,003 1,478 SH   SOLE   0 0 1,478
WALMART INC COM 931142103   65,271,181 536,858 SH   SOLE   0 0 536,858
ISHARES TR CORE US AGGBD ET 464287226   1,195,901 11,761 SH   SOLE   0 0 11,761
ISHARES TR MBS ETF 464288588   228,322 2,342 SH   SOLE   0 0 2,342
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   227,940 1,589 SH   SOLE   0 0 1,589
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858   2,125,911 52,106 SH   SOLE   0 0 52,106
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,652,124 39,667 SH   SOLE   0 0 39,667
VANGUARD WORLD FDS INF TECH ETF 92204A702   200,257 613 SH   SOLE   0 0 613
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   449,437 5,617 SH   SOLE   0 0 5,617
LKQ CORP COM 501889208   393,358 8,013 SH   SOLE   0 0 8,013
TARGET CORP COM 87612E106   650,647 4,607 SH   SOLE   0 0 4,607
TYSON FOODS INC CL A 902494103   323,502 3,759 SH   SOLE   0 0 3,759
SPDR SER TR PRTFLO S&P500 VL 78464A508   241,539 6,560 SH   SOLE   0 0 6,560
ISHARES TR FLTG RATE NT ETF 46429B655   375,598 7,524 SH   SOLE   0 0 7,524
WELLS FARGO CO NEW COM 949746101   217,198 5,545 SH   SOLE   0 0 5,545
INDEXIQ ACTIVE ETF TR IQ MACKAY INTRME 45409F827   1,262,622 52,024 SH   SOLE   0 0 52,024
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   473,042 4,738 SH   SOLE   0 0 4,738
UNITEDHEALTH GROUP INC COM 91324P102   387,791 755 SH   SOLE   0 0 755
SCHWAB CHARLES CORP COM 808513105   215,002 3,403 SH   SOLE   0 0 3,403
JPMORGAN CHASE & CO COM 46625H100   649,985 5,772 SH   SOLE   0 0 5,772
KOHLS CORP COM 500255104   203,433 5,700 SH   SOLE   0 0 5,700
NORTHROP GRUMMAN CORP COM 666807102   621,662 1,299 SH   SOLE   0 0 1,299
ORACLE CORP COM 68389X105   252,790 3,618 SH   SOLE   0 0 3,618
SPDR SER TR S&P DIVID ETF 78464A763   261,118 2,200 SH   SOLE   0 0 2,200
ISHARES TR MSCI EAFE ETF 464287465   1,280,483 20,491 SH   SOLE   0 0 20,491
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   205,870 7,126 SH   SOLE   0 0 7,126
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   492,992 15,601 SH   SOLE   0 0 15,601
ISHARES TR DOW JONES US ETF 464287846   478,004 5,176 SH   SOLE   0 0 5,176
JOHNSON & JOHNSON COM 478160104   262,823 1,481 SH   SOLE   0 0 1,481
ISHARES TR GLOBAL TECH ETF 464287291   842,068 18,426 SH   SOLE   0 0 18,426
BRISTOL-MYERS SQUIBB CO COM 110122108   346,962 4,506 SH   SOLE   0 0 4,506
EBAY INC. COM 278642103   227,978 5,471 SH   SOLE   0 0 5,471
ACUITY BRANDS INC COM 00508Y102   224,744 1,459 SH   SOLE   0 0 1,459
ISHARES TR CORE S&P500 ETF 464287200   1,599,656 4,219 SH   SOLE   0 0 4,219
ISHARES TR NATIONAL MUN ETF 464288414   3,614,459 33,983 SH   SOLE   0 0 33,983
ISHARES TR RUSSELL 2000 ETF 464287655   764,999 4,517 SH   SOLE   0 0 4,517
SELECTIVE INS GROUP INC COM 816300107   276,873 3,185 SH   SOLE   0 0 3,185
SPDR S&P 500 ETF TR TR UNIT 78462F103   912,691 2,419 SH   SOLE   0 0 2,419
TRAVELERS COMPANIES INC COM 89417E109   208,876 1,235 SH   SOLE   0 0 1,235
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   390,359 7,249 SH   SOLE   0 0 7,249
ISHARES TR SHRT NAT MUN ETF 464288158   1,588,786 15,179 SH   SOLE   0 0 15,179
INVESCO QQQ TR UNIT SER 1 46090E103   240,761 859 SH   SOLE   0 0 859
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   241,049 3,447 SH   SOLE   0 0 3,447
NETAPP INC COM 64110D104   440,086 6,746 SH   SOLE   0 0 6,746
KLA CORP COM NEW 482480100   219,527 688 SH   SOLE   0 0 688
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   286,273 930 SH   SOLE   0 0 930
SPDR SER TR S&P 600 SMCP VAL 78464A300   235,333 3,250 SH   SOLE   0 0 3,250
AMN HEALTHCARE SVCS INC COM 001744101   321,779 2,933 SH   SOLE   0 0 2,933
ISHARES TR CORE S&P US VLU 464287663   685,520 10,250 SH   SOLE   0 0 10,250
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   296,478 5,037 SH   SOLE   0 0 5,037
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   445,567 5,920 SH   SOLE   0 0 5,920
VANGUARD BD INDEX FDS INTERMED TERM 921937819   234,425 3,019 SH   SOLE   0 0 3,019
ISHARES TR 1 3 YR TREAS BD 464287457   235,124 2,840 SH   SOLE   0 0 2,840
TOPBUILD CORP COM 89055F103   372,767 2,230 SH   SOLE   0 0 2,230
SPDR SER TR S&P INS ETF 78464A789   249,810 6,600 SH   SOLE   0 0 6,600
MURPHY USA INC COM 626755102   225,884 970 SH   SOLE   0 0 970