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
ABBOTT LABS COM 002824100 BBG001S5N9M6 393,780 3,612 SH   SOLE   3,612 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 317,844 650 SH   SOLE   650 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 251,370 2,100 SH   SOLE   2,100 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 716,142 5,920 SH   SOLE   5,920 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 993,343 7,620 SH   SOLE   7,620 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 BBG00Q6ZDXT0 624,734 11,610 SH   SOLE   11,610 0 0
AMERICAN CENTY ETF TR EMERGING MKT VAL 025072372 BBG012NXXGN9 261,900 6,000 SH   SOLE   6,000 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 BBG00Q9MQ6T1 1,174,404 20,460 SH   SOLE   20,460 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 BBG00Q9MR7Z1 1,051,046 18,260 SH   SOLE   18,260 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 BBG00Q9MPQH1 3,095,572 41,170 SH   SOLE   41,170 0 0
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 3,438,123 44,300 SH   SOLE   44,300 0 0
APPLE INC COM 037833100 BBG001S5N8V8 1,999,637 10,309 SH   SOLE   10,309 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 BBG001S5ND74 294,306 3,895 SH   SOLE   3,895 0 0
AUTOZONE INC COM 053332102 BBG001S6Q5D9 241,856 97 SH   SOLE   97 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 228,129 669 SH   SOLE   669 0 0
BEST BUY INC COM 086516101 BBG001S5P285 335,995 4,100 SH   SOLE   4,100 0 0
BLACKROCK INC COM 09247X101 BBG001SDBP55 313,778 454 SH   SOLE   454 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 401,620 463 SH   SOLE   463 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 333,398 1,355 SH   SOLE   1,355 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 583,213 11,272 SH   SOLE   11,272 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 251,170 6,045 SH   SOLE   6,045 0 0
CONAGRA BRANDS INC COM 205887102 BBG001S5PGY5 231,825 6,875 SH   SOLE   6,875 0 0
CONSTELLATION BRANDS INC CL A 21036P108 BBG001SD31G5 221,517 900 SH   SOLE   900 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 273,847 509 SH   SOLE   509 0 0
CROWN CASTLE INC COM 22822V101 BBG001S7W5T3 205,092 1,800 SH   SOLE   1,800 0 0
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 230,549 3,335 SH   SOLE   3,335 0 0
DEERE & CO COM 244199105 BBG001S5QFF7 652,761 1,611 SH   SOLE   1,611 0 0
DELL TECHNOLOGIES INC CL C 24703L202 BBG00DW3SZT0 750,776 13,875 SH   SOLE   13,875 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 504,054 18,450 SH   SOLE   18,450 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 284,446 3,186 SH   SOLE   3,186 0 0
EA SERIES TRUST ALPHA ARCH 1-3 02072L565 BBG01BBK3R95 2,162,972 21,130 SH   SOLE   21,130 0 0
EA SERIES TRUST US QUAN MOMENTUM 02072L409 BBG00BKYP4L9 1,532,781 32,990 SH   SOLE   32,990 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 BBG001SF2288 294,310 3,120 SH   SOLE   3,120 0 0
ELECTRONIC ARTS INC COM 285512109 BBG001S5T5C9 250,321 1,930 SH   SOLE   1,930 0 0
EQUINOR ASA SPONSORED ADR 29446M102 BBG001SJ3R93 333,286 11,410 SH   SOLE   11,410 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 518,447 4,834 SH   SOLE   4,834 0 0
FEDEX CORP COM 31428X106 BBG001S5R3M5 273,930 1,105 SH   SOLE   1,105 0 0
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 BBG00L4J9BR4 647,465 13,000 SH   SOLE   13,000 0 0
FRANKLIN TEMPLETON ETF TR FTSE BRAZIL 35473P835 BBG00J3M9WL3 290,766 15,050 SH   SOLE   15,050 0 0
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 BBG00L2CKST9 3,096,336 128,532 SH   SOLE   128,532 0 0
GLOBAL X FDS RATE PREFERRED 37954Y376 BBG00VNLZSW4 1,945,390 87,120 SH   SOLE   87,120 0 0
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479 BBG00GW2L2G9 651,695 14,400 SH   SOLE   14,400 0 0
GSK PLC SPONSORED ADR 37733W204 BBG001SD6SM6 257,321 7,220 SH   SOLE   7,220 0 0
HALEON PLC SPON ADS 405552100 BBG018GZNDB0 244,109 29,130 SH   SOLE   29,130 0 0
HCA HEALTHCARE INC COM 40412C101 BBG001T8NTY2 321,689 1,060 SH   SOLE   1,060 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 724,748 2,333 SH   SOLE   2,333 0 0
ICICI BANK LIMITED ADR 45104G104 BBG001SCD3Z1 512,284 22,196 SH   SOLE   22,196 0 0
INFOSYS LTD SPONSORED ADR 456788108 BBG001S6ZLV4 293,438 18,260 SH   SOLE   18,260 0 0
INTEL CORP COM 458140100 BBG001S5SF65 267,921 8,012 SH   SOLE   8,012 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 201,250 1,504 SH   SOLE   1,504 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 3,357,125 150,882 SH   SOLE   150,882 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 221,679 600 SH   SOLE   600 0 0
ISHARES INC EMNG MKTS EQT 46434G889 BBG00BM64QL2 249,410 6,000 SH   SOLE   6,000 0 0
ISHARES INC MSCI HONG KG ETF 464286871 BBG001S5VWX4 201,999 10,450 SH   SOLE   10,450 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 BBG001TG5H89 1,320,040 13,525 SH   SOLE   13,525 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 BBG005PCDCZ5 201,200 4,000 SH   SOLE   4,000 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 237,947 910 SH   SOLE   910 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 3,349,038 65,900 SH   SOLE   65,900 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 528,792 10,540 SH   SOLE   10,540 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 1,249,079 24,700 SH   SOLE   24,700 0 0
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 724,669 7,770 SH   SOLE   7,770 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 BBG007WGK4B0 245,680 7,400 SH   SOLE   7,400 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 935,840 8,995 SH   SOLE   8,995 0 0
JANUS DETROIT STR TR HENDERSON MTG 47103U852 BBG00LYBQSH3 1,864,034 40,735 SH   SOLE   40,735 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 3,032,076 60,824 SH   SOLE   60,824 0 0
JAPAN SMALLER CAPITALIZATION COM 47109U104 BBG001S6JF54 89,280 12,400 SH   SOLE   12,400 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 605,969 3,661 SH   SOLE   3,661 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 217,543 1,496 SH   SOLE   1,496 0 0
KEYCORP COM 493267108 BBG001S5SKV6 228,256 24,703 SH   SOLE   24,703 0 0
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 254,997 1,847 SH   SOLE   1,847 0 0
KROGER CO COM 501044101 BBG001S5SN40 241,815 5,145 SH   SOLE   5,145 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 243,734 1,245 SH   SOLE   1,245 0 0
LENNAR CORP CL A 526057104 BBG001S5SRK3 445,477 3,555 SH   SOLE   3,555 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 219,141 476 SH   SOLE   476 0 0
MATCH GROUP INC NEW COM 57667L107 BBG00VT0KP47 424,359 10,140 SH   SOLE   10,140 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 695,892 2,332 SH   SOLE   2,332 0 0
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 608,489 1,424 SH   SOLE   1,424 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 435,020 3,770 SH   SOLE   3,770 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 459,168 1,600 SH   SOLE   1,600 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 2,098,407 6,162 SH   SOLE   6,162 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209 BBG001S5VQ21 216,021 3,281 SH   SOLE   3,281 0 0
MORGAN STANLEY EMKT DBT FD I COM 61744H105 BBG001S6S574 232,007 36,026 SH   SOLE   36,026 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 229,055 520 SH   SOLE   520 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 205,399 1,861 SH   SOLE   1,861 0 0
NOVO-NORDISK A S ADR 670100205 BBG001S5TSK0 953,988 5,895 SH   SOLE   5,895 0 0
NUTRIEN LTD COM 67077M108 BBG00JM9SM69 223,800 3,790 SH   SOLE   3,790 0 0
NUVEEN VRIABL RAT PFD & INM COM 67080R102 BBG011B9SY72 628,488 40,600 SH   SOLE   40,600 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 602,834 5,062 SH   SOLE   5,062 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 302,001 19,700 SH   SOLE   19,700 0 0
PAYPAL HLDGS INC COM 70450Y103 BBG0077VNXW5 293,345 4,396 SH   SOLE   4,396 0 0
PFIZER INC COM 717081103 BBG001S5V466 219,530 5,985 SH   SOLE   5,985 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 381,778 2,516 SH   SOLE   2,516 0 0
PROGRESSIVE CORP COM 743315103 BBG001S5V509 454,956 3,437 SH   SOLE   3,437 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 344,978 2,898 SH   SOLE   2,898 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 273,994 2,797 SH   SOLE   2,797 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 771,099 3,650 SH   SOLE   3,650 0 0
SANOFI SPONSORED ADR 80105N105 BBG001S5W768 249,827 4,635 SH   SOLE   4,635 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 513,431 14,402 SH   SOLE   14,402 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 BBG0051K49J8 385,252 11,931 SH   SOLE   11,931 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 1,067,955 32,177 SH   SOLE   32,177 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 3,851,133 74,490 SH   SOLE   74,490 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 1,068,073 15,920 SH   SOLE   15,920 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 304,429 1,751 SH   SOLE   1,751 0 0
SHELL PLC SPON ADS 780259305 BBG0147BN6H1 545,533 9,035 SH   SOLE   9,035 0 0
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205 BBG001SDCF10 255,743 7,930 SH   SOLE   7,930 0 0
SONY GROUP CORPORATION SPONSORED ADR 835699307 BBG001S5W6H8 423,188 4,700 SH   SOLE   4,700 0 0
SPDR SER TR BLOOMBERG INVT 78468R200 BBG0029J2J00 245,520 8,000 SH   SOLE   8,000 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 906,211 11,740 SH   SOLE   11,740 0 0
SPDR SER TR S&P BIOTECH 78464A870 BBG001SQDKG3 224,640 2,700 SH   SOLE   2,700 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 BBG004DF1DW8 2,619,094 62,553 SH   SOLE   62,553 0 0
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 BBG005D236G5 241,500 6,000 SH   SOLE   6,000 0 0
STRYKER CORPORATION COM 863667101 BBG001S8FR03 503,399 1,650 SH   SOLE   1,650 0 0
SYNOPSYS INC COM 871607107 BBG001S5VTR8 470,243 1,080 SH   SOLE   1,080 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 441,626 4,376 SH   SOLE   4,376 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 BBG001S9TN41 381,144 2,590 SH   SOLE   2,590 0 0
TE CONNECTIVITY LTD SHS H84989104 BBG001STLRP3 263,921 1,883 SH   SOLE   1,883 0 0
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 256,889 1,427 SH   SOLE   1,427 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 208,700 400 SH   SOLE   400 0 0
UBS GROUP AG SHS H42097107 BBG007936GX0 266,246 13,135 SH   SOLE   13,135 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 301,361 627 SH   SOLE   627 0 0
VANECK ETF TRUST EMERGING MRKT HI 92189F353 BBG002YJGHH3 1,250,073 68,310 SH   SOLE   68,310 0 0
VANECK ETF TRUST IG FLOATING RATE 92189F486 BBG001V14Q53 580,750 23,000 SH   SOLE   23,000 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 403,576 2,440 SH   SOLE   2,440 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,229,234 10,120 SH   SOLE   10,120 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 245,123 1,725 SH   SOLE   1,725 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 235,537 5,790 SH   SOLE   5,790 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 1,146,141 24,170 SH   SOLE   24,170 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 505,890 11,000 SH   SOLE   11,000 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 1,139,490 20,319 SH   SOLE   20,319 0 0
VANGUARD WELLINGTON FD US MOMENTUM 921935508 BBG00K26BG83 391,620 3,230 SH   SOLE   3,230 0 0
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 BBG00K26C194 826,085 7,950 SH   SOLE   7,950 0 0
VIATRIS INC COM 92556V106 BBG00Y52JV51 111,666 11,189 SH   SOLE   11,189 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 397,542 1,674 SH   SOLE   1,674 0 0
VMWARE INC CL A COM 928563402 BBG001S6TFZ0 550,764 3,833 SH   SOLE   3,833 0 0
WALMART INC COM 931142103 BBG001S5XH92 404,739 2,575 SH   SOLE   2,575 0 0
WESTERN ASSET EMERGING MKTS COM 95766A101 BBG001SCCJM1 171,538 19,900 SH   SOLE   19,900 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103 BBG001SHY2Q9 200,175 850 SH   SOLE   850 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 260,568 5,600 SH   SOLE   5,600 0 0
YUM CHINA HLDGS INC COM 98850P109 BBG00B8N0HH0 231,368 4,095 SH   SOLE   4,095 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 BBG001S7DQJ9 216,944 1,490 SH   SOLE   1,490 0 0