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
3M CO COM 88579Y101   361,234 3,012 SH   SOLE   0 0 3,012
AMAZON COM INC COM 023135106   579,432 6,898 SH   SOLE   0 0 6,898
ISHARES TR EAFE SML CP ETF 464288273   2,115,524 37,456 SH   SOLE   0 0 37,456
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   3,226,689 63,851 SH   SOLE   0 0 63,851
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,076,115 11,312 SH   SOLE   0 0 11,312
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,765,501 14,465 SH   SOLE   0 0 14,465
SPDR SER TR PORTFOLIO S&P400 78464A847   557,456 13,117 SH   SOLE   0 0 13,117
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   872,061 11,698 SH   SOLE   0 0 11,698
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307   2,337,448 79,451 SH   SOLE   0 0 79,451
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,970,691 22,530 SH   SOLE   0 0 22,530
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   646,732 18,910 SH   SOLE   0 0 18,910
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,337,162 9,843 SH   SOLE   0 0 9,843
HEALTHEQUITY INC COM 42226A107   274,360 4,451 SH   SOLE   0 0 4,451
INVESCO DB MULTI-SECTOR COMM OIL FD 46140H403   2,555,356 168,005 SH   SOLE   0 0 168,005
SPDR GOLD TR GOLD SHS 78463V107   3,334,783 19,658 SH   SOLE   0 0 19,658
SPDR SER TR PORTFLI INTRMDIT 78464A672   2,246,213 79,540 SH   SOLE   0 0 79,540
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,452,996 19,712 SH   SOLE   0 0 19,712
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,392,073 19,746 SH   SOLE   0 0 19,746
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   882,783 10,703 SH   SOLE   0 0 10,703
VANGUARD INDEX FDS SM CP VAL ETF 922908611   698,782 4,400 SH   SOLE   0 0 4,400
VANGUARD INDEX FDS VALUE ETF 922908744   3,359,335 23,932 SH   SOLE   0 0 23,932
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   208,715 3,569 SH   SOLE   0 0 3,569
INVESCO QQQ TR UNIT SER 1 46090E103   246,309 925 SH   SOLE   0 0 925
ISHARES TR CORE S&P SCP ETF 464287804   286,759 3,030 SH   SOLE   0 0 3,030
META PLATFORMS INC CL A 30303M102   475,343 3,950 SH   SOLE   0 0 3,950
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   319,305 2,103 SH   SOLE   0 0 2,103
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   266,837 2,717 SH   SOLE   0 0 2,717
ISHARES GOLD TR ISHARES NEW 464285204   405,983 11,737 SH   SOLE   0 0 11,737
ISHARES TR SHRT NAT MUN ETF 464288158   1,079,924 10,357 SH   SOLE   0 0 10,357
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   5,166,520 103,062 SH   SOLE   0 0 103,062
SPDR SER TR PORTFOLIO S&P500 78464A854   899,714 20,003 SH   SOLE   0 0 20,003
SPDR SER TR PORTFOLIO S&P600 78468R853   532,294 14,398 SH   SOLE   0 0 14,398
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   609,935 4,510 SH   SOLE   0 0 4,510
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   494,288 6,566 SH   SOLE   0 0 6,566
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,501,646 33,271 SH   SOLE   0 0 33,271
ISHARES TR AGENCY BOND ETF 464288166   502,473 4,721 SH   SOLE   0 0 4,721
ISHARES TR IBOXX HI YD ETF 464288513   680,591 9,243 SH   SOLE   0 0 9,243
SPDR SER TR PORTFOLIO AGRGTE 78464A649   472,952 18,820 SH   SOLE   0 0 18,820
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   715,707 24,106 SH   SOLE   0 0 24,106
SPDR SER TR PORTFOLIO LN TSR 78464A664   330,916 11,399 SH   SOLE   0 0 11,399
SPDR SER TR PRTFLO S&P500 VL 78464A508   508,215 13,068 SH   SOLE   0 0 13,068
SPDR SER TR PORTFOLIO SHORT 78464A474   374,166 12,735 SH   SOLE   0 0 12,735
ALPHABET INC CAP STK CL A 02079K305   834,391 9,457 SH   SOLE   0 0 9,457
APPLE INC COM 037833100   2,632,029 20,257 SH   SOLE   0 0 20,257
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   975,506 3,158 SH   SOLE   0 0 3,158
CONOCOPHILLIPS COM 20825C104   474,596 4,022 SH   SOLE   0 0 4,022
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   347,928 11,445 SH   SOLE   0 0 11,445
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,108,576 11,118 SH   SOLE   0 0 11,118
MICROSOFT CORP COM 594918104   598,391 2,495 SH   SOLE   0 0 2,495
NVIDIA CORPORATION COM 67066G104   516,897 3,537 SH   SOLE   0 0 3,537
QUALCOMM INC COM 747525103   323,553 2,943 SH   SOLE   0 0 2,943
CIGNA CORP NEW COM 125523100   525,839 1,587 SH   SOLE   0 0 1,587
VANGUARD INDEX FDS MID CAP ETF 922908629   1,927,408 9,457 SH   SOLE   0 0 9,457
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   394,906 1,124 SH   SOLE   0 0 1,124
VISA INC COM CL A 92826C839   249,520 1,201 SH   SOLE   0 0 1,201
WALMART INC COM 931142103   73,083,952 515,438 SH   SOLE   0 0 515,438
BIOGEN INC COM 09062X103   253,382 915 SH   SOLE   0 0 915
ISHARES TR BROAD USD HIGH 46435U853   544,883 15,780 SH   SOLE   0 0 15,780
ISHARES TR CORE US AGGBD ET 464287226   1,396,600 14,399 SH   SOLE   0 0 14,399
ISHARES TR MBS ETF 464288588   648,044 6,987 SH   SOLE   0 0 6,987
ISHARES TR EAFE VALUE ETF 464288877   2,155,534 46,982 SH   SOLE   0 0 46,982
SPDR SER TR S&P REGL BKG 78464A698   204,650 3,484 SH   SOLE   0 0 3,484
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,208,000 52,609 SH   SOLE   0 0 52,609
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,918,355 49,214 SH   SOLE   0 0 49,214
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   228,753 922 SH   SOLE   0 0 922
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   274,618 3,543 SH   SOLE   0 0 3,543
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   210,966 8,517 SH   SOLE   0 0 8,517
EXXON MOBIL CORP COM 30231G102   563,082 5,105 SH   SOLE   0 0 5,105
GENERAL DYNAMICS CORP COM 369550108   265,974 1,072 SH   SOLE   0 0 1,072
ISHARES TR GLOBAL TECH ETF 464287291   677,067 15,103 SH   SOLE   0 0 15,103
LKQ CORP COM 501889208   360,638 6,752 SH   SOLE   0 0 6,752
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   465,519 1,405 SH   SOLE   0 0 1,405
ISHARES TR 7-10 YR TRSY BD 464287440   1,665,686 17,391 SH   SOLE   0 0 17,391
ISHARES TR FLTG RATE NT ETF 46429B655   293,323 5,828 SH   SOLE   0 0 5,828
INDEXIQ ACTIVE ETF TR IQ MACKAY INTRME 45409F827   1,848,044 76,587 SH   SOLE   0 0 76,587
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   473,097 9,359 SH   SOLE   0 0 9,359
NETAPP INC COM 64110D104   383,222 6,381 SH   SOLE   0 0 6,381
SELECTIVE INS GROUP INC COM 816300107   282,368 3,187 SH   SOLE   0 0 3,187
HOME DEPOT INC COM 437076102   241,633 765 SH   SOLE   0 0 765
UNITEDHEALTH GROUP INC COM 91324P102   403,997 762 SH   SOLE   0 0 762
SCHWAB CHARLES CORP COM 808513105   283,334 3,403 SH   SOLE   0 0 3,403
JPMORGAN CHASE & CO COM 46625H100   831,018 6,197 SH   SOLE   0 0 6,197
NORTHROP GRUMMAN CORP COM 666807102   708,747 1,299 SH   SOLE   0 0 1,299
ORACLE CORP COM 68389X105   295,735 3,618 SH   SOLE   0 0 3,618
SPDR SER TR S&P DIVID ETF 78464A763   275,242 2,200 SH   SOLE   0 0 2,200
TJX COS INC NEW COM 872540109   210,542 2,645 SH   SOLE   0 0 2,645
ISHARES TR TIPS BD ETF 464287176   280,056 2,631 SH   SOLE   0 0 2,631
ISHARES TR MSCI EAFE ETF 464287465   1,379,753 21,020 SH   SOLE   0 0 21,020
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   593,065 17,714 SH   SOLE   0 0 17,714
ISHARES TR DOW JONES US ETF 464287846   483,697 5,176 SH   SOLE   0 0 5,176
JOHNSON & JOHNSON COM 478160104   243,885 1,381 SH   SOLE   0 0 1,381
AMGEN INC COM 031162100   208,274 793 SH   SOLE   0 0 793
BRISTOL-MYERS SQUIBB CO COM 110122108   320,609 4,456 SH   SOLE   0 0 4,456
DAVITA INC COM 23918K108   405,085 5,425 SH   SOLE   0 0 5,425
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,723,119 23,986 SH   SOLE   0 0 23,986
TARGET CORP COM 87612E106   650,560 4,365 SH   SOLE   0 0 4,365
ACUITY BRANDS INC COM 00508Y102   241,625 1,459 SH   SOLE   0 0 1,459
ISHARES TR CORE S&P500 ETF 464287200   1,390,733 3,620 SH   SOLE   0 0 3,620
ISHARES TR RUSSELL 2000 ETF 464287655   711,563 4,081 SH   SOLE   0 0 4,081
MASTEC INC COM 576323109   204,792 2,400 SH   SOLE   0 0 2,400
SPDR S&P 500 ETF TR TR UNIT 78462F103   961,554 2,514 SH   SOLE   0 0 2,514
ABBVIE INC COM 00287Y109   249,041 1,541 SH   SOLE   0 0 1,541
ISHARES TR NATIONAL MUN ETF 464288414   1,049,924 9,950 SH   SOLE   0 0 9,950
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   239,615 3,197 SH   SOLE   0 0 3,197
KLA CORP COM NEW 482480100   248,086 658 SH   SOLE   0 0 658
SPDR SER TR S&P 600 SMCP VAL 78464A300   241,215 3,250 SH   SOLE   0 0 3,250
AMN HEALTHCARE SVCS INC COM 001744101   281,007 2,733 SH   SOLE   0 0 2,733
BLOCK INC CL A 852234103   284,917 4,534 SH   SOLE   0 0 4,534
ISHARES TR CORE S&P US VLU 464287663   923,911 13,081 SH   SOLE   0 0 13,081
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   461,577 7,983 SH   SOLE   0 0 7,983
WELLS FARGO CO NEW COM 949746101   218,631 5,295 SH   SOLE   0 0 5,295
ISHARES TR 1 3 YR TREAS BD 464287457   997,011 12,283 SH   SOLE   0 0 12,283
SPDR SER TR S&P INS ETF 78464A789   270,270 6,600 SH   SOLE   0 0 6,600
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200   246,326 5,135 SH   SOLE   0 0 5,135