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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 11,058 62,252 SH   SOLE   0 0 62,252
ABBVIE INC COM 00287Y109 20,740 153,179 SH   SOLE   0 0 153,179
AIR PRODS & CHEMS INC COM 009158106 495 1,628 SH   SOLE   0 0 1,628
ALPHABET INC CAP STK CL A 02079K305 6,179 2,133 SH   SOLE   0 0 2,133
ALPHABET INC CAP STK CL C 02079K107 21,283 7,355 SH   SOLE   0 0 7,355
ALTRIA GROUP INC COM 02209S103 868 18,311 SH   SOLE   0 0 18,311
AMAZON COM INC COM 023135106 28,255 8,474 SH   SOLE   0 0 8,474
AMGEN INC COM 031162100 6,839 30,400 SH   SOLE   0 0 30,400
APPLE INC COM 037833100 28,417 160,033 SH   SOLE   0 0 160,033
AUTOZONE INC COM 053332102 10,293 4,910 SH   SOLE   0 0 4,910
BERKSHIRE HATHAWAY INC DEL CL A 084670108 451 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,770 5,920 SH   SOLE   0 0 5,920
BK OF AMERICA CORP 7.25%CNV PFD L 060505682 2,187 1,513 SH   SOLE   0 0 1,513
BK OF AMERICA CORP COM 060505104 7,396 166,229 SH   SOLE   0 0 166,229
BLACKROCK INC COM 09247X101 209 228 SH   SOLE   0 0 228
BLACKSTONE INC COM 09260D107 1,876 14,497 SH   SOLE   0 0 14,497
BOK FINL CORP COM NEW 05561Q201 1,141 10,815 SH   SOLE   0 0 10,815
BRISTOL-MYERS SQUIBB CO COM 110122108 781 12,526 SH   SOLE   0 0 12,526
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 784 20,961 SH   SOLE   0 0 20,961
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 284 4,711 SH   SOLE   0 0 4,711
BROWN FORMAN CORP CL B 115637209 11,577 158,898 SH   SOLE   0 0 158,898
CHEVRON CORP NEW COM 166764100 987 8,411 SH   SOLE   0 0 8,411
CISCO SYS INC COM 17275R102 9,407 148,448 SH   SOLE   0 0 148,448
COCA COLA CO COM 191216100 23,285 393,261 SH   SOLE   0 0 393,261
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 24,296 273,850 SH   SOLE   0 0 273,850
COSTCO WHSL CORP NEW COM 22160K105 14,699 25,892 SH   SOLE   0 0 25,892
COUPANG INC CL A 22266T109 763 25,965 SH   SOLE   0 0 25,965
CROWDSTRIKE HLDGS INC CL A 22788C105 466 2,277 SH   SOLE   0 0 2,277
CUMMINS INC COM 231021106 1,787 8,191 SH   SOLE   0 0 8,191
DEERE & CO COM 244199105 272 795 SH   SOLE   0 0 795
DIREXION SHS ETF TR DLY S&P500 BR 1X 25460E869 392 27,900 SH   SOLE   0 0 27,900
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207 292 3,425 SH   SOLE   0 0 3,425
DISCOVER FINL SVCS COM 254709108 13,931 120,548 SH   SOLE   0 0 120,548
DISNEY WALT CO COM 254687106 18,391 118,733 SH   SOLE   0 0 118,733
DOLLAR GEN CORP NEW COM 256677105 213 903 SH   SOLE   0 0 903
ELECTRONIC ARTS INC COM 285512109 16,288 123,490 SH   SOLE   0 0 123,490
EXXON MOBIL CORP COM 30231G102 13,215 215,973 SH   SOLE   0 0 215,973
FARFETCH LTD ORD SH CL A 30744W107 237 7,100 SH   SOLE   0 0 7,100
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 212 2,400 SH   SOLE   0 0 2,400
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 541 35,636 SH   SOLE   0 0 35,636
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 5,619 100,479 SH   SOLE   0 0 100,479
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 1,891 54,454 SH   SOLE   0 0 54,454
FORTINET INC COM 34959E109 1,279 3,558 SH   SOLE   0 0 3,558
GENERAL DYNAMICS CORP COM 369550108 17,324 83,102 SH   SOLE   0 0 83,102
GRAB HOLDINGS LIMITED CLASS A ORD G4124C109 82 11,506 SH   SOLE   0 0 11,506
HOME DEPOT INC COM 437076102 5,695 13,722 SH   SOLE   0 0 13,722
HONEYWELL INTL INC COM 438516106 6,463 30,998 SH   SOLE   0 0 30,998
HOULIHAN LOKEY INC CL A 441593100 468 4,520 SH   SOLE   0 0 4,520
ICON PLC SHS G4705A100 327 1,057 SH   SOLE   0 0 1,057
INTEL CORP COM 458140100 518 10,054 SH   SOLE   0 0 10,054
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 4,287 85,232 SH   SOLE   0 0 85,232
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 286 4,160 SH   SOLE   0 0 4,160
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 281 5,273 SH   SOLE   0 0 5,273
INVESCO QQQ TR UNIT SER 1 46090E103 1,220 3,067 SH   SOLE   0 0 3,067
ISHARES INC CORE MSCI EMKT 46434G103 13,563 226,572 SH   SOLE   0 0 226,572
ISHARES INC MSCI EMERG MRKT 464286533 252 4,014 SH   SOLE   0 0 4,014
ISHARES TR 0-5 YR TIPS ETF 46429B747 6,348 59,958 SH   SOLE   0 0 59,958
ISHARES TR 0-5YR HI YL CP 46434V407 6,626 146,260 SH   SOLE   0 0 146,260
ISHARES TR CORE MSCI EAFE 46432F842 25,695 344,256 SH   SOLE   0 0 344,256
ISHARES TR CORE S&P MCP ETF 464287507 20,966 74,064 SH   SOLE   0 0 74,064
ISHARES TR CORE S&P SCP ETF 464287804 16,307 142,404 SH   SOLE   0 0 142,404
ISHARES TR CORE S&P TTL STK 464287150 414 3,868 SH   SOLE   0 0 3,868
ISHARES TR CORE S&P500 ETF 464287200 3,852 8,076 SH   SOLE   0 0 8,076
ISHARES TR CORE US AGGBD ET 464287226 20,543 180,075 SH   SOLE   0 0 180,075
ISHARES TR EAFE SML CP ETF 464288273 559 7,644 SH   SOLE   0 0 7,644
ISHARES TR FLTG RATE NT ETF 46429B655 1,272 25,077 SH   SOLE   0 0 25,077
ISHARES TR ISHS 1-5YR INVS 464288646 14,516 269,422 SH   SOLE   0 0 269,422
ISHARES TR ISHS 5-10YR INVT 464288638 8,564 144,491 SH   SOLE   0 0 144,491
ISHARES TR MBS ETF 464288588 21,460 199,756 SH   SOLE   0 0 199,756
ISHARES TR MSCI ACWI EX US 464288240 246 4,416 SH   SOLE   0 0 4,416
ISHARES TR MSCI EAFE ETF 464287465 288 3,659 SH   SOLE   0 0 3,659
ISHARES TR MSCI EAFE MIN VL 46429B689 446 5,807 SH   SOLE   0 0 5,807
ISHARES TR NATIONAL MUN ETF 464288414 4,083 35,117 SH   SOLE   0 0 35,117
ISHARES TR RUS 1000 ETF 464287622 2,500 9,455 SH   SOLE   0 0 9,455
ISHARES TR RUS 1000 GRW ETF 464287614 2,547 8,334 SH   SOLE   0 0 8,334
ISHARES TR RUS 1000 VAL ETF 464287598 661 3,934 SH   SOLE   0 0 3,934
ISHARES TR RUS 2000 GRW ETF 464287648 290 991 SH   SOLE   0 0 991
ISHARES TR RUS 2000 VAL ETF 464287630 306 1,843 SH   SOLE   0 0 1,843
ISHARES TR RUS MID CAP ETF 464287499 317 3,823 SH   SOLE   0 0 3,823
ISHARES TR RUSSELL 2000 ETF 464287655 366 1,643 SH   SOLE   0 0 1,643
ISHARES TR S&P 500 GRWT ETF 464287309 549 6,561 SH   SOLE   0 0 6,561
ISHARES TR S&P 500 VAL ETF 464287408 453 2,889 SH   SOLE   0 0 2,889
ISHARES TR SHRT NAT MUN ETF 464288158 1,934 18,015 SH   SOLE   0 0 18,015
ISHARES TR SP SMCP600VL ETF 464287879 245 2,348 SH   SOLE   0 0 2,348
ISHARES TR U.S. TECH ETF 464287721 230 2,000 SH   SOLE   0 0 2,000
ISHARES TR US INDUSTRIALS 464287754 203 1,800 SH   SOLE   0 0 1,800
J P MORGAN EXCHANGE-TRADED F DIV RTN INT EQ 46641Q209 2,546 43,037 SH   SOLE   0 0 43,037
J P MORGAN EXCHANGE-TRADED F HIGH YLD RESRCH 46641Q878 325 6,280 SH   SOLE   0 0 6,280
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 14,081 278,949 SH   SOLE   0 0 278,949
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 5,408 105,913 SH   SOLE   0 0 105,913
JOHNSON & JOHNSON COM 478160104 3,941 23,039 SH   SOLE   0 0 23,039
JPMORGAN CHASE & CO COM 46625H100 31,762 200,581 SH   SOLE   0 0 200,581
LILLY ELI & CO COM 532457108 1,626 5,886 SH   SOLE   0 0 5,886
LOCKHEED MARTIN CORP COM 539830109 281 790 SH   SOLE   0 0 790
LOWES COS INC COM 548661107 2,196 8,498 SH   SOLE   0 0 8,498
LULULEMON ATHLETICA INC COM 550021109 210 536 SH   SOLE   0 0 536
MASTERCARD INCORPORATED CL A 57636Q104 14,003 38,972 SH   SOLE   0 0 38,972
MCKESSON CORP COM 58155Q103 1,701 6,842 SH   SOLE   0 0 6,842
MERCK & CO INC COM 58933Y105 477 6,222 SH   SOLE   0 0 6,222
META PLATFORMS INC CL A 30303M102 22,986 68,339 SH   SOLE   0 0 68,339
MICROSOFT CORP COM 594918104 36,977 109,947 SH   SOLE   0 0 109,947
NEW YORK CMNTY CAP TR V UNIT 11/01/2051 64944P307 1,081 20,440 SH   SOLE   0 0 20,440
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106 436 5,170 SH   SOLE   0 0 5,170
NIKE INC CL B 654106103 9,815 58,886 SH   SOLE   0 0 58,886
NVIDIA CORPORATION COM 67066G104 762 2,591 SH   SOLE   0 0 2,591
ORACLE CORP COM 68389X105 476 5,457 SH   SOLE   0 0 5,457
PEPSICO INC COM 713448108 3,626 20,872 SH   SOLE   0 0 20,872
PHILIP MORRIS INTL INC COM 718172109 17,328 182,402 SH   SOLE   0 0 182,402
PPL CORP COM 69351T106 9,775 325,178 SH   SOLE   0 0 325,178
PROCTER AND GAMBLE CO COM 742718109 12,588 76,956 SH   SOLE   0 0 76,956
QUALTRICS INTL INC COM CL A 747601201 230 6,500 SH   SOLE   0 0 6,500
QUEST DIAGNOSTICS INC COM 74834L100 28,290 163,517 SH   SOLE   0 0 163,517
RAYTHEON TECHNOLOGIES CORP COM 75513E101 4,942 57,422 SH   SOLE   0 0 57,422
REVOLVE GROUP INC CL A 76156B107 280 5,000 SH   SOLE   0 0 5,000
SALESFORCE COM INC COM 79466L302 624 2,454 SH   SOLE   0 0 2,454
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 11,261 200,579 SH   SOLE   0 0 200,579
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 14,149 278,254 SH   SOLE   0 0 278,254
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 294 2,600 SH   SOLE   0 0 2,600
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,154 14,281 SH   SOLE   0 0 14,281
SCHWAB STRATEGIC TR US REIT ETF 808524847 237 4,491 SH   SOLE   0 0 4,491
SELECT SECTOR SPDR TR ENERGY 81369Y506 478 8,605 SH   SOLE   0 0 8,605
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 8,339 213,545 SH   SOLE   0 0 213,545
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 643 3,143 SH   SOLE   0 0 3,143
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 251 1,780 SH   SOLE   0 0 1,780
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,161 6,679 SH   SOLE   0 0 6,679
SPDR S&P 500 ETF TR TR UNIT 78462F103 609 1,282 SH   SOLE   0 0 1,282
SPDR SER TR BLOOMBERG INVT 78468R200 1,494 48,846 SH   SOLE   0 0 48,846
SPDR SER TR PORTFOLIO SHORT 78464A474 12,759 411,974 SH   SOLE   0 0 411,974
STARBUCKS CORP COM 855244109 24,933 213,153 SH   SOLE   0 0 213,153
SVB FINANCIAL GROUP COM 78486Q101 763 1,125 SH   SOLE   0 0 1,125
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 3,119 25,927 SH   SOLE   0 0 25,927
TESLA INC COM 88160R101 683 646 SH   SOLE   0 0 646
TRUIST FINL CORP COM 89832Q109 8,705 148,670 SH   SOLE   0 0 148,670
UNION PAC CORP COM 907818108 19,807 78,621 SH   SOLE   0 0 78,621
UNITED PARCEL SERVICE INC CL B 911312106 14,411 67,236 SH   SOLE   0 0 67,236
UNITEDHEALTH GROUP INC COM 91324P102 37,475 74,631 SH   SOLE   0 0 74,631
US BANCORP DEL COM NEW 902973304 9,421 167,729 SH   SOLE   0 0 167,729
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 19,290 238,651 SH   SOLE   0 0 238,651
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,858 21,929 SH   SOLE   0 0 21,929
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 3,109 62,237 SH   SOLE   0 0 62,237
VANGUARD INDEX FDS GROWTH ETF 922908736 454 1,416 SH   SOLE   0 0 1,416
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 280 1,100 SH   SOLE   0 0 1,100
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 419 2,790 SH   SOLE   0 0 2,790
VANGUARD INDEX FDS MID CAP ETF 922908629 3,817 14,983 SH   SOLE   0 0 14,983
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 10,360 89,302 SH   SOLE   0 0 89,302
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,911 4,378 SH   SOLE   0 0 4,378
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,028 5,749 SH   SOLE   0 0 5,749
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,274 32,186 SH   SOLE   0 0 32,186
VANGUARD INDEX FDS SML CP GRW ETF 922908595 306 1,087 SH   SOLE   0 0 1,087
VANGUARD INDEX FDS TOTAL STK MKT 922908769 10,540 43,657 SH   SOLE   0 0 43,657
VANGUARD INDEX FDS VALUE ETF 922908744 819 5,566 SH   SOLE   0 0 5,566
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 908 14,824 SH   SOLE   0 0 14,824
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,072 203,630 SH   SOLE   0 0 203,630
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 13,926 103,958 SH   SOLE   0 0 103,958
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,814 87,667 SH   SOLE   0 0 87,667
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 14,891 160,538 SH   SOLE   0 0 160,538
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,029 9,718 SH   SOLE   0 0 9,718
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 13,019 160,210 SH   SOLE   0 0 160,210
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 930 5,415 SH   SOLE   0 0 5,415
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 24,897 487,602 SH   SOLE   0 0 487,602
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 1,217 14,251 SH   SOLE   0 0 14,251
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 653 6,764 SH   SOLE   0 0 6,764
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 343 1,286 SH   SOLE   0 0 1,286
VANGUARD WORLD FDS INF TECH ETF 92204A702 619 1,351 SH   SOLE   0 0 1,351
VEEVA SYS INC CL A COM 922475108 204 800 SH   SOLE   0 0 800
VERIZON COMMUNICATIONS INC COM 92343V104 26,396 508,009 SH   SOLE   0 0 508,009
VISA INC COM CL A 92826C839 6,147 28,367 SH   SOLE   0 0 28,367
WALMART INC COM 931142103 7,160 49,483 SH   SOLE   0 0 49,483
WASTE MGMT INC DEL COM 94106L109 13,434 80,492 SH   SOLE   0 0 80,492
WEC ENERGY GROUP INC COM 92939U106 7,368 75,909 SH   SOLE   0 0 75,909
WELLS FARGO CO NEW COM 949746101 200 4,175 SH   SOLE   0 0 4,175
WELLS FARGO CO NEW PERP PFD CNV A 949746804 21,792 14,620 SH   SOLE   0 0 14,620
WISDOMTREE TR US QTLY DIV GRT 97717X669 375 5,700 SH   SOLE   0 0 5,700
ZSCALER INC COM 98980G102 321 1,000 SH   SOLE   0 0 1,000