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
ASML HOLDING N V N Y REGISTRY SHS N07059210   215,104 316 SH   SOLE   0 0 316
ADOBE SYSTEMS INCORPORATED COM 00724F101   2,306,092 5,984 SH   SOLE   0 0 5,984
ALLY FINL INC COM 02005N100   758,786 29,768 SH   SOLE   0 0 29,768
ALPHABET INC CAP STK CL A 02079K305   970,705 9,358 SH   SOLE   0 0 9,358
AMAZON COM INC COM 023135106   915,316 8,862 SH   SOLE   0 0 8,862
AMERICAN EXPRESS CO COM 025816109   1,647,686 9,989 SH   SOLE   0 0 9,989
ELEVANCE HEALTH INC COM 036752103   1,925,684 4,188 SH   SOLE   0 0 4,188
APPLE INC COM 037833100   2,146,484 13,017 SH   SOLE   0 0 13,017
BP PLC SPONSORED ADR 055622104   1,259,380 33,194 SH   SOLE   0 0 33,194
BANK AMERICA CORP COM 060505104   405,777 14,188 SH   SOLE   0 0 14,188
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   895,481 2,900 SH   SOLE   0 0 2,900
BRUNSWICK CORP COM 117043109   1,100,686 13,423 SH   SOLE   0 0 13,423
CRH PLC ADR 12626K203   1,189,086 23,375 SH   SOLE   0 0 23,375
CAPITAL ONE FINL CORP COM 14040H105   1,331,239 13,844 SH   SOLE   0 0 13,844
CARRIER GLOBAL CORPORATION COM 14448C104   1,478,549 32,318 SH   SOLE   0 0 32,318
CENTENE CORP DEL COM 15135B101   1,558,948 24,663 SH   SOLE   0 0 24,663
CONOCOPHILLIPS COM 20825C104   1,047,856 10,562 SH   SOLE   0 0 10,562
CONSTELLATION BRANDS INC CL A 21036P108   1,207,834 5,347 SH   SOLE   0 0 5,347
DBX ETF TR XTRCKR MSCI US 233051150   273,563 7,280 SH   SOLE   0 0 7,280
DANAHER CORPORATION COM 235851102   1,239,785 4,919 SH   SOLE   0 0 4,919
DIAGEO PLC SPON ADR NEW 25243Q205   640,290 3,534 SH   SOLE   0 0 3,534
DIAMONDBACK ENERGY INC COM 25278X109   1,293,712 9,571 SH   SOLE   0 0 9,571
DOLLAR TREE INC COM 256746108   596,307 4,154 SH   SOLE   0 0 4,154
META PLATFORMS INC CL A 30303M102   240,764 1,136 SH   SOLE   0 0 1,136
HCA HEALTHCARE INC COM 40412C101   1,040,745 3,947 SH   SOLE   0 0 3,947
INUVO INC COM NEW 46122W204   21,244 72,828 SH   SOLE   0 0 72,828
ISHARES TR JPMORGAN USD EMG 464288281   1,256,496 14,563 SH   SOLE   0 0 14,563
ISHARES TR IBOXX HI YD ETF 464288513   709,487 9,391 SH   SOLE   0 0 9,391
JPMORGAN CHASE & CO COM 46625H100   783,815 6,015 SH   SOLE   0 0 6,015
KROGER CO COM 501044101   897,398 18,177 SH   SOLE   0 0 18,177
LEAR CORP COM NEW 521865204   870,836 6,243 SH   SOLE   0 0 6,243
LILLY ELI & CO COM 532457108   926,204 2,697 SH   SOLE   0 0 2,697
MASTERCARD INCORPORATED CL A 57636Q104   1,565,207 4,307 SH   SOLE   0 0 4,307
MERCK & CO INC COM 58933Y105   655,362 6,160 SH   SOLE   0 0 6,160
MICROSOFT CORP COM 594918104   2,098,134 7,278 SH   SOLE   0 0 7,278
MONSTER BEVERAGE CORP NEW COM 61174X109   950,468 17,598 SH   SOLE   0 0 17,598
NATIONAL GRID PLC SPONSORED ADR NE 636274409   825,535 12,142 SH   SOLE   0 0 12,142
NEXTERA ENERGY INC COM 65339F101   702,584 9,115 SH   SOLE   0 0 9,115
NVIDIA CORPORATION COM 67066G104   2,087,997 7,517 SH   SOLE   0 0 7,517
OCCIDENTAL PETE CORP COM 674599105   996,820 15,967 SH   SOLE   0 0 15,967
PALO ALTO NETWORKS INC COM 697435105   1,386,995 6,944 SH   SOLE   0 0 6,944
PARKER-HANNIFIN CORP COM 701094104   1,477,540 4,396 SH   SOLE   0 0 4,396
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   1,459,682 15,986 SH   SOLE   0 0 15,986
PIMCO ETF TR INV GRD CRP BD 72201R817   719,672 7,481 SH   SOLE   0 0 7,481
REGIONS FINANCIAL CORP NEW COM 7591EP100   809,866 43,635 SH   SOLE   0 0 43,635
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   4,813,618 96,523 SH   SOLE   0 0 96,523
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,934,300 26,228 SH   SOLE   0 0 26,228
SPDR SER TR S&P 600 SMCP VAL 78464A300   2,057,290 27,006 SH   SOLE   0 0 27,006
SPDR SER TR PORTFOLIO AGRGTE 78464A649   4,292,642 166,446 SH   SOLE   0 0 166,446
SPDR SER TR S&P 400 MDCP GRW 78464A821   2,026,125 29,604 SH   SOLE   0 0 29,604
SPDR SER TR S&P 400 MDCP VAL 78464A839   2,096,497 31,727 SH   SOLE   0 0 31,727
SALESFORCE INC COM 79466L302   324,043 1,622 SH   SOLE   0 0 1,622
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,547,934 135,372 SH   SOLE   0 0 135,372
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,993,060 61,271 SH   SOLE   0 0 61,271
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   3,279,879 50,013 SH   SOLE   0 0 50,013
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,603,350 62,088 SH   SOLE   0 0 62,088
SCHWAB STRATEGIC TR LONG TERM US 808524680   1,431,272 38,208 SH   SOLE   0 0 38,208
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,763,031 136,869 SH   SOLE   0 0 136,869
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   315,517 6,726 SH   SOLE   0 0 6,726
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   2,152,050 42,674 SH   SOLE   0 0 42,674
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,790,950 21,622 SH   SOLE   0 0 21,622
SONY GROUP CORPORATION SPONSORED ADR 835699307   1,377,427 15,195 SH   SOLE   0 0 15,195
T-MOBILE US INC COM 872590104   1,122,721 7,751 SH   SOLE   0 0 7,751
TESLA INC COM 88160R101   449,369 2,166 SH   SOLE   0 0 2,166
UNION PAC CORP COM 907818108   861,795 4,282 SH   SOLE   0 0 4,282
UNITED PARCEL SERVICE INC CL B 911312106   1,309,045 6,748 SH   SOLE   0 0 6,748
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,565,814 34,753 SH   SOLE   0 0 34,753
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   228,260 5,650 SH   SOLE   0 0 5,650
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,208,813 14,557 SH   SOLE   0 0 14,557
VANGUARD INDEX FDS SMALL CP ETF 922908751   334,016 1,600 SH   SOLE   0 0 1,600
VISA INC COM CL A 92826C839   1,662,542 7,374 SH   SOLE   0 0 7,374
YETI HLDGS INC COM 98585X104   221,190 5,488 SH   SOLE   0 0 5,488