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   229,021 316 SH   SOLE   0 0 316
ADOBE SYSTEMS INCORPORATED COM 00724F101   2,776,974 5,679 SH   SOLE   0 0 5,679
ALLY FINL INC COM 02005N100   674,008 24,954 SH   SOLE   0 0 24,954
ALPHABET INC CAP STK CL A 02079K305   1,108,183 9,258 SH   SOLE   0 0 9,258
AMAZON COM INC COM 023135106   1,119,792 8,590 SH   SOLE   0 0 8,590
AMERICAN EXPRESS CO COM 025816109   1,529,128 8,778 SH   SOLE   0 0 8,778
ELEVANCE HEALTH INC COM 036752103   1,727,844 3,889 SH   SOLE   0 0 3,889
APPLE INC COM 037833100   2,428,447 12,520 SH   SOLE   0 0 12,520
BP PLC SPONSORED ADR 055622104   1,145,125 32,449 SH   SOLE   0 0 32,449
BANK AMERICA CORP COM 060505104   362,269 12,627 SH   SOLE   0 0 12,627
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,131,438 3,318 SH   SOLE   0 0 3,318
BRUNSWICK CORP COM 117043109   1,001,992 11,565 SH   SOLE   0 0 11,565
CRH PLC ADR 12626K203   1,148,595 20,610 SH   SOLE   0 0 20,610
CAPITAL ONE FINL CORP COM 14040H105   1,382,546 12,641 SH   SOLE   0 0 12,641
CARRIER GLOBAL CORPORATION COM 14448C104   1,415,940 28,484 SH   SOLE   0 0 28,484
CENTENE CORP DEL COM 15135B101   1,429,940 21,200 SH   SOLE   0 0 21,200
CONOCOPHILLIPS COM 20825C104   1,058,894 10,220 SH   SOLE   0 0 10,220
CONSTELLATION BRANDS INC CL A 21036P108   1,137,859 4,623 SH   SOLE   0 0 4,623
DBX ETF TR XTRCKR MSCI US 233051150   295,932 7,280 SH   SOLE   0 0 7,280
DANAHER CORPORATION COM 235851102   1,098,480 4,577 SH   SOLE   0 0 4,577
DIAGEO PLC SPON ADR NEW 25243Q205   645,693 3,722 SH   SOLE   0 0 3,722
DIAMONDBACK ENERGY INC COM 25278X109   501,138 3,815 SH   SOLE   0 0 3,815
DOLLAR TREE INC COM 256746108   675,455 4,707 SH   SOLE   0 0 4,707
HCA HEALTHCARE INC COM 40412C101   816,968 2,692 SH   SOLE   0 0 2,692
ISHARES TR JPMORGAN USD EMG 464288281   917,411 10,601 SH   SOLE   0 0 10,601
ISHARES TR IBOXX HI YD ETF 464288513   522,145 6,955 SH   SOLE   0 0 6,955
JPMORGAN CHASE & CO COM 46625H100   874,822 6,015 SH   SOLE   0 0 6,015
KROGER CO COM 501044101   1,040,063 22,129 SH   SOLE   0 0 22,129
LEAR CORP COM NEW 521865204   795,554 5,542 SH   SOLE   0 0 5,542
LILLY ELI & CO COM 532457108   1,503,550 3,206 SH   SOLE   0 0 3,206
MASTERCARD INCORPORATED CL A 57636Q104   1,504,766 3,826 SH   SOLE   0 0 3,826
MICROSOFT CORP COM 594918104   2,238,897 6,575 SH   SOLE   0 0 6,575
MONSTER BEVERAGE CORP NEW COM 61174X109   802,552 13,972 SH   SOLE   0 0 13,972
NATIONAL GRID PLC SPONSORED ADR NE 636274409   802,910 11,925 SH   SOLE   0 0 11,925
NEXTERA ENERGY INC COM 65339F101   709,575 9,563 SH   SOLE   0 0 9,563
NVIDIA CORPORATION COM 67066G104   2,597,766 6,141 SH   SOLE   0 0 6,141
OCCIDENTAL PETE CORP COM 674599105   909,224 15,463 SH   SOLE   0 0 15,463
PALO ALTO NETWORKS INC COM 697435105   1,684,577 6,593 SH   SOLE   0 0 6,593
PARKER-HANNIFIN CORP COM 701094104   1,511,795 3,876 SH   SOLE   0 0 3,876
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   1,073,945 11,777 SH   SOLE   0 0 11,777
PIMCO ETF TR INV GRD CRP BD 72201R817   700,372 7,384 SH   SOLE   0 0 7,384
REGIONS FINANCIAL CORP NEW COM 7591EP100   746,391 41,885 SH   SOLE   0 0 41,885
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475   3,653,594 69,805 SH   SOLE   0 0 69,805
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,470,629 19,109 SH   SOLE   0 0 19,109
SPDR SER TR S&P 600 SMCP VAL 78464A300   1,533,765 19,870 SH   SOLE   0 0 19,870
SPDR SER TR PORTFOLIO AGRGTE 78464A649   3,043,411 119,961 SH   SOLE   0 0 119,961
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,507,014 21,033 SH   SOLE   0 0 21,033
SPDR SER TR S&P 400 MDCP VAL 78464A839   1,575,681 22,909 SH   SOLE   0 0 22,909
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,316,851 25,471 SH   SOLE   0 0 25,471
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,207,149 99,430 SH   SOLE   0 0 99,430
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,361,058 44,844 SH   SOLE   0 0 44,844
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   2,437,313 36,329 SH   SOLE   0 0 36,329
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,802,981 63,995 SH   SOLE   0 0 63,995
SCHWAB STRATEGIC TR LONG TERM US 808524680   1,026,680 28,291 SH   SOLE   0 0 28,291
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,451,027 96,803 SH   SOLE   0 0 96,803
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   295,701 6,406 SH   SOLE   0 0 6,406
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   1,554,735 31,549 SH   SOLE   0 0 31,549
SONY GROUP CORPORATION SPONSORED ADR 835699307   1,230,667 13,668 SH   SOLE   0 0 13,668
T-MOBILE US INC COM 872590104   913,268 6,575 SH   SOLE   0 0 6,575
TESLA INC COM 88160R101   494,222 1,888 SH   SOLE   0 0 1,888
UNION PAC CORP COM 907818108   739,906 3,616 SH   SOLE   0 0 3,616
UNITED PARCEL SERVICE INC CL B 911312106   1,067,255 5,954 SH   SOLE   0 0 5,954
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,824,955 25,106 SH   SOLE   0 0 25,106
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,119,955 13,403 SH   SOLE   0 0 13,403
VISA INC COM CL A 92826C839   1,532,221 6,452 SH   SOLE   0 0 6,452