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
Expires: July 31, 2015
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106 302,100 1,377 SH SOLE 0 1,377 0 0
INVESCO QQQ TRUST SERIES I ETF 46090E103 12,277,010 22,255 SH SOLE 0 22,255 0 0
JOHNSON & JOHNSON COM Stock 478160104 633,564 4,148 SH SOLE 0 4,147 0 0
ISHARES U.S. EQUITY FACTOR ETF ETF 46434V282 1,230,319 19,185 SH SOLE 0 19,184 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105 484,076 489 SH SOLE 0 488 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104 424,650 600 SH SOLE 0 600 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 659,846 4,142 SH SOLE 0 4,141 0 0
VENTAS INC COM REIT 92276F100 251,148 3,977 SH SOLE 0 3,977 0 0
NETFLIX INC COM Stock 64110L106 1,053,895 787 SH SOLE 0 787 0 0
ISHARES DOW JONES U.S. ETF ETF 464287846 317,741 2,106 SH SOLE 0 2,106 0 0
SANOFI SPONSORED ADR ADR 80105N105 231,985 4,802 SH SOLE 0 4,802 0 0
MERCK & CO INC COM Stock 58933Y105 462,057 5,837 SH SOLE 0 5,837 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 517,662 838 SH SOLE 0 837 0 0
MCKESSON CORP COM Stock 58155Q103 339,277 463 SH SOLE 0 463 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104 232,643 414 SH SOLE 0 414 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 2,001,983 8,097 SH SOLE 0 8,097 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 2,472,500 10,000 SH Put SOLE 0 10,000 0 0
ISHARES TIPS BOND ETF ETF 464287176 738,038 6,707 SH SOLE 0 6,707 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 258,062 5,964 SH SOLE 0 5,964 0 0
CHUBB LIMITED COM Stock H1467J104 281,028 970 SH SOLE 0 970 0 0
SNAP ON INC COM Stock 833034101 295,621 950 SH SOLE 0 950 0 0
PULTE GROUP INC COM Stock 745867101 370,903 3,517 SH SOLE 0 3,517 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 1,177,359 46,536 SH SOLE 0 46,535 0 0
REGIONS FINANCIAL CORP NEW COM Stock 7591EP100 237,199 10,085 SH SOLE 0 10,085 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 2,811,842 117,996 SH SOLE 0 117,995 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 1,353,742 61,255 SH SOLE 0 61,255 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 6,615,501 65,803 SH SOLE 0 65,802 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 839,896 1,729 SH SOLE 0 1,729 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 354,439 11,760 SH SOLE 0 11,759 0 0
VICTORY CAP HLDGS INC COM CL A Stock 92645B103 208,901 3,281 SH SOLE 0 3,281 0 0
INTUIT COM Stock 461202103 529,287 672 SH SOLE 0 672 0 0
JP MORGAN US VALUE FACTOR ETF ETF 46641Q753 6,751,079 152,636 SH SOLE 0 152,635 0 0
MICROSOFT CORP COM Stock 594918104 2,474,422 4,975 SH SOLE 0 4,974 0 0
GARMIN LTD SHS Stock H2906T109 323,307 1,549 SH SOLE 0 1,549 0 0
ELASTIC N V ORD SHS Stock N14506104 3,783,887 44,870 SH SOLE 0 44,870 0 0
TESLA INC COM Stock 88160R101 307,177 967 SH SOLE 0 967 0 0
ISHARES MSCI USA QUALITY GARP ETF ETF 46436E403 13,659,647 226,228 SH SOLE 0 226,228 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504 222,264 895 SH SOLE 0 895 0 0
PUBLIC STORAGE OPER CO COM REIT 74460D109 277,869 947 SH SOLE 0 947 0 0
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862 797,852 32,726 SH SOLE 0 32,725 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702 234,659 354 SH SOLE 0 353 0 0
WELLTOWER INC COM REIT 95040Q104 354,655 2,307 SH SOLE 0 2,307 0 0
ELI LILLY & CO COM Stock 532457108 1,881,785 2,414 SH SOLE 0 2,414 0 0
AVANTIS U.S. SMALL CAP VALUE ETF ETF 025072877 6,244,065 68,541 SH SOLE 0 68,540 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 1,338,212 6,201 SH SOLE 0 6,201 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204 218,536 1,852 SH SOLE 0 1,852 0 0
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718 2,182,073 21,671 SH SOLE 0 21,671 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 1,284,257 9,670 SH SOLE 0 9,669 0 0
AMERICAN ELEC PWR CO INC COM Stock 025537101 201,191 1,939 SH SOLE 0 1,939 0 0
INVESCO NASDAQ 100 ETF ETF 46138G649 650,187 2,863 SH SOLE 0 2,863 0 0
JANUS HENDERSON AAA CLO ETF ETF 47103U845 443,562 8,740 SH SOLE 0 8,740 0 0
VANGUARD MID-CAP GROWTH ETF ETF 922908538 225,521 793 SH SOLE 0 793 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 668,902 25,242 SH SOLE 0 25,241 0 0
VISA INC COM CL A Stock 92826C839 556,233 1,567 SH SOLE 0 1,566 0 0
HERSHEY CO COM Stock 427866108 242,121 1,459 SH SOLE 0 1,459 0 0
INVESCO S&P 500 GARP ETF ETF 46137V431 1,296,600 12,039 SH SOLE 0 12,039 0 0
VANGUARD VALUE ETF ETF 922908744 634,850 3,592 SH SOLE 0 3,592 0 0
VANGUARD GROWTH ETF ETF 922908736 712,400 1,625 SH SOLE 0 1,625 0 0
JPMORGAN INCOME ETF ETF 46641Q159 21,934,321 473,539 SH SOLE 0 473,538 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 22,106,445 163,703 SH SOLE 0 163,702 0 0
META PLATFORMS INC CL A Stock 30303M102 1,463,632 1,983 SH SOLE 0 1,983 0 0
BANCO SANTANDER S.A. ADR ADR 05964H105 90,678 10,925 SH SOLE 0 10,925 0 0
VANECK MORNINGSTAR WIDE MOAT ETF ETF 92189F643 28,501,579 303,887 SH SOLE 0 303,887 0 0
PACKAGING CORP AMER COM Stock 695156109 223,879 1,188 SH SOLE 0 1,188 0 0
ISHARES GNMA BOND ETF ETF 46429B333 749,000 17,042 SH SOLE 0 17,042 0 0
D R HORTON INC COM Stock 23331A109 311,213 2,414 SH SOLE 0 2,414 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 7,783,387 93,237 SH SOLE 0 93,236 0 0
CF INDS HLDGS INC COM Stock 125269100 312,156 3,393 SH SOLE 0 3,393 0 0
PERDOCEO ED CORP COM Stock 71363P106 200,553 6,135 SH SOLE 0 6,135 0 0
NVIDIA CORPORATION COM Stock 67066G104 3,210,041 20,318 SH SOLE 0 20,318 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 301,952 4,492 SH SOLE 0 4,492 0 0
ISHARES MSCI GLOBAL ENERGY PRODUCERS ETF ETF 464286343 893,797 37,689 SH SOLE 0 37,689 0 0
QUALCOMM INC COM Stock 747525103 335,778 2,108 SH SOLE 0 2,108 0 0
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608 369,597 8,887 SH SOLE 0 8,886 0 0
RETURN STACKED U.S. STOCKS & MANAGED FUTURES ETF ETF 88636J816 3,057,182 131,097 SH SOLE 0 131,097 0 0
FASTENAL CO COM Stock 311900104 226,800 5,400 SH SOLE 0 5,400 0 0
ISHARES LARGE CAP DEEP BUFFER ETF ETF 092528801 5,777,721 186,318 SH SOLE 0 186,318 0 0
JPMORGAN HEDGED EQUITY LADDERED OVERLAY ETF ETF 46654Q724 6,612,015 105,657 SH SOLE 0 105,657 0 0
MCDONALDS CORP COM Stock 580135101 588,723 2,015 SH SOLE 0 2,015 0 0
CISCO SYS INC COM Stock 17275R102 400,600 5,774 SH SOLE 0 5,774 0 0
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819 4,932,253 63,774 SH SOLE 0 63,773 0 0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY ETF ETF 808524771 26,060,204 1,061,948 SH SOLE 0 1,061,947 0 0
ISHARES EDGE MSCI USA MOMENTUM FACTOR ETF ETF 46432F396 1,227,392 5,107 SH SOLE 0 5,107 0 0
GOLDMAN SACHS DYNAMIC CALIFORNIA MUNICIPAL INCOME ETF ETF 38149W564 394,349 7,933 SH SOLE 0 7,933 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 247,597 1,267 SH SOLE 0 1,267 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 11,679,408 106,080 SH SOLE 0 106,080 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 984,812 1,586 SH SOLE 0 1,586 0 0
WELLS FARGO CO NEW COM Stock 949746101 263,595 3,290 SH SOLE 0 3,290 0 0
JPMORGAN CHASE & CO. COM Stock 46625H100 683,318 2,357 SH SOLE 0 2,357 0 0
HARTFORD INSURANCE GROUP INC COM Stock 416515104 232,172 1,830 SH SOLE 0 1,830 0 0
VANGUARD 0-3 MONTH TREASURY BILL ETF ETF 922040845 4,994,625 66,110 SH SOLE 0 66,110 0 0
CHEVRON CORP NEW COM Stock 166764100 461,262 3,221 SH SOLE 0 3,221 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 698,487 12,252 SH SOLE 0 12,252 0 0
CINCINNATI FINL CORP COM Stock 172062101 289,203 1,942 SH SOLE 0 1,942 0 0
BANK AMERICA CORP COM Stock 060505104 487,727 10,307 SH SOLE 0 10,307 0 0
WALMART INC COM Stock 931142103 530,660 5,427 SH SOLE 0 5,427 0 0
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448 698,698 20,246 SH SOLE 0 20,246 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 1,107,783 3,758 SH SOLE 0 3,758 0 0
ORACLE CORP COM Stock 68389X105 207,699 950 SH SOLE 0 950 0 0
TEXAS INSTRS INC COM Stock 882508104 298,558 1,438 SH SOLE 0 1,438 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 432,083 3,942 SH SOLE 0 3,942 0 0
GILEAD SCIENCES INC COM Stock 375558103 350,017 3,157 SH SOLE 0 3,157 0 0
CATERPILLAR INC COM Stock 149123101 250,007 644 SH SOLE 0 644 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 743,821 4,193 SH SOLE 0 4,193 0 0
APPLIED MATLS INC COM Stock 038222105 291,081 1,590 SH SOLE 0 1,590 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258 350,100 3,734 SH SOLE 0 3,734 0 0
AGNICO EAGLE MINES LTD COM Stock 008474108 200,754 1,688 SH SOLE 0 1,688 0 0
ARISTA NETWORKS INC COM SHS Stock 040413205 538,151 5,260 SH SOLE 0 5,260 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 526,017 2,570 SH SOLE 0 2,570 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 624,223 6,293 SH SOLE 0 6,292 0 0
SYNCHRONY FINANCIAL COM Stock 87165B103 246,271 3,690 SH SOLE 0 3,690 0 0
AXON ENTERPRISE INC COM Stock 05464C101 969,518 1,171 SH SOLE 0 1,171 0 0
CAL MAINE FOODS INC COM NEW Stock 128030202 404,498 4,060 SH SOLE 0 4,060 0 0
NUCOR CORP COM Stock 670346105 310,119 2,394 SH SOLE 0 2,394 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105 206,553 1,108 SH SOLE 0 1,108 0 0
CADENCE DESIGN SYSTEM INC COM Stock 127387108 211,083 685 SH SOLE 0 685 0 0
EXXON MOBIL CORP COM Stock 30231G102 443,274 4,112 SH SOLE 0 4,112 0 0
EVERCORE INC CLASS A Stock 29977A105 216,016 800 SH SOLE 0 800 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 680,305 10,969 SH SOLE 0 10,969 0 0
ISHARES MSCI EAFE ETF ETF 464287465 228,302 2,554 SH SOLE 0 2,554 0 0
APPLE INC COM Stock 037833100 3,854,306 18,786 SH SOLE 0 18,785 0 0
ABBOTT LABS COM Stock 002824100 432,648 3,181 SH SOLE 0 3,181 0 0
VANECK MORNINGSTAR INTERNATIONAL MOAT ETF ETF 92189F593 485,628 14,007 SH SOLE 0 14,007 0 0