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
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
ALPHA METALLURGICAL RESOUR I COM 020764106 1,148,783 5,893 SH SOLE 0 0 0 5,893
ALPHABET INC CAP STK CL A 02079K305 570,598 1,629 SH SOLE 0 0 0 1,629
ALPHABET INC CAP STK CL C 02079K107 15,394,288 44,170 SH SOLE 0 0 0 44,170
ALTRIA GROUP INC COM 02209S103 203,940 3,090 SH SOLE 0 0 0 3,090
AMAZON COM INC COM 023135106 15,136,261 57,967 SH SOLE 0 0 0 57,967
APPLE INC COM 037833100 8,180,205 30,568 SH SOLE 0 0 0 30,568
ASBURY AUTOMOTIVE GROUP INC COM 043436104 1,035,812 5,178 SH SOLE 0 0 0 5,178
AUTONATION INC COM 05329W102 837,392 4,105 SH SOLE 0 0 0 4,105
BERKLEY W R CORP COM 084423102 9,916,277 149,793 SH SOLE 0 0 0 149,793
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 13,150,849 27,814 SH SOLE 0 0 0 27,814
BJS WHSL CLUB HLDGS INC COM 05550J101 1,048,822 11,291 SH SOLE 0 0 0 11,291
BROADCOM INC COM 11135F101 203,663 487 SH SOLE 0 0 0 487
CAPITAL GRP FIXED INCM ETF T US MULTI-SECTOR 14020Y300 253,929 9,187 SH SOLE 0 0 0 9,187
CAPITAL ONE FINL CORP COM 14040H105 10,404,614 53,602 SH SOLE 0 0 0 53,602
CHUBB LTD SWITZ COM H1467J104 10,787,331 33,233 SH SOLE 0 0 0 33,233
CMS ENERGY CORP COM 125896100 273,023 3,590 SH SOLE 0 0 0 3,590
COCA COLA CO COM 191216100 342,261 4,537 SH SOLE 0 0 0 4,537
CONCENTRA GROUP HOLDINGS PAR COMMON STOCK 20603L102 308,947 13,628 SH SOLE 0 0 0 13,628
CORE NATURAL RESOURCES INC COM SHS 218937100 1,604,483 18,237 SH SOLE 0 0 0 18,237
CSX CORP COM 126408103 1,000,211 22,002 SH SOLE 0 0 0 22,002
DAVITA INC COM 23918K108 1,104,835 7,363 SH SOLE 0 0 0 7,363
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 202,325 5,586 SH SOLE 0 0 0 5,586
DTE ENERGY CO COM 233331107 214,399 1,463 SH SOLE 0 0 0 1,463
EAGLE MATLS INC COM 26969P108 670,694 3,195 SH SOLE 0 0 0 3,195
ENACT HLDGS INC COM 29249E109 941,281 21,427 SH SOLE 0 0 0 21,427
ENOVA INTL INC COM 29357K103 1,452,820 8,369 SH SOLE 0 0 0 8,369
EXXON MOBIL CORP COM 30231G102 8,788,505 59,306 SH SOLE 0 0 0 59,306
FACTSET RESH SYS INC COM 303075105 11,981,467 53,173 SH SOLE 0 0 0 53,173
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 46,713,200 1,200,853 SH SOLE 0 0 0 1,200,853
FIDELITY COVINGTON TRUST ENHANCED EMRNGS 31609A800 296,913 7,715 SH SOLE 0 0 0 7,715
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 28,501,639 621,357 SH SOLE 0 0 0 621,357
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 970,995 18,957 SH SOLE 0 0 0 18,957
FIRST TR EXCHNG TRADED FD VI FT VEST LADDERED 33740U703 1,382,979 47,484 SH SOLE 0 0 0 47,484
GRANITESHARES GOLD TR SHS BEN INT 38748G101 213,074 4,625 SH SOLE 0 0 0 4,625
GROUP 1 AUTOMOTIVE INC COM 398905109 1,077,100 3,172 SH SOLE 0 0 0 3,172
HCA HEALTHCARE INC COM 40412C101 9,586,457 21,505 SH SOLE 0 0 0 21,505
ISHARES INC CORE MSCI EMKT 46434G103 654,025 8,383 SH SOLE 0 0 0 8,383
ISHARES TR CORE S&P TTL STK 464287150 640,133 4,089 SH SOLE 0 0 0 4,089
ISHARES TR 0-3 MNTH TREASRY 46436E718 5,698,593 56,624 SH SOLE 0 0 0 56,624
ISHARES TR IBOXX HI YD ETF 464288513 322,362 4,004 SH SOLE 0 0 0 4,004
ISHARES TR CORE US AGGBD ET 464287226 3,573,056 35,932 SH SOLE 0 0 0 35,932
ISHARES TR NATIONAL MUN ETF 464288414 2,590,516 24,118 SH SOLE 0 0 0 24,118
ISHARES TR SHRT NAT MUN ETF 464288158 1,496,442 14,029 SH SOLE 0 0 0 14,029
ISHARES TR SP SMCP600VL ETF 464287879 850,118 6,587 SH SOLE 0 0 0 6,587
ISHARES TR CORE 80/20 AGGRE 464289859 243,594 2,584 SH SOLE 0 0 0 2,584
ISHARES TR MSCI INTL QUALTY 46434V456 10,742,646 220,452 SH SOLE 0 0 0 220,452
ISHARES TR CORE S&P500 ETF 464287200 450,143 627 SH SOLE 0 0 0 627
ISHARES TR INTERNATIONAL SL 46434V266 9,807,200 222,638 SH SOLE 0 0 0 222,638
ISHARES TR CORE S&P MCP ETF 464287507 4,038,952 55,450 SH SOLE 0 0 0 55,450
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 740,512 14,652 SH SOLE 0 0 0 14,652
JOHNSON & JOHNSON COM 478160104 336,207 1,492 SH SOLE 0 0 0 1,492
JOHNSON CONTROLS INTERNATION SHS G51502105 269,554 1,880 SH SOLE 0 0 0 1,880
JPMORGAN CHASE & CO COM 46625H100 11,000,636 35,300 SH SOLE 0 0 0 35,300
KINSALE CAP GROUP INC COM 49714P108 981,064 2,993 SH SOLE 0 0 0 2,993
LITHIA MTRS INC COM 536797103 1,082,742 3,911 SH SOLE 0 0 0 3,911
MERCK & CO INC COM 58933Y105 304,786 2,765 SH SOLE 0 0 0 2,765
META PLATFORMS INC CL A 30303M102 404,458 596 SH SOLE 0 0 0 596
MGIC INVT CORP WIS COM 552848103 668,852 23,040 SH SOLE 0 0 0 23,040
MICROSOFT CORP COM 594918104 7,738,838 18,217 SH SOLE 0 0 0 18,217
NMI HLDGS INC COM 629209305 1,150,495 27,663 SH SOLE 0 0 0 27,663
NVIDIA CORPORATION COM 67066G104 738,111 3,408 SH SOLE 0 0 0 3,408
PACER FDS TR SWAN SOS FD OF 69374H568 14,968,526 446,691 SH SOLE 0 0 0 446,691
PEPSICO INC COM 713448108 6,858,570 44,507 SH SOLE 0 0 0 44,507
PHILIP MORRIS INTL INC COM 718172109 370,392 2,302 SH SOLE 0 0 0 2,302
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,609,119 25,920 SH SOLE 0 0 0 25,920
PROCTER & GAMBLE CO COM 742718109 6,995,835 47,142 SH SOLE 0 0 0 47,142
PROFESIONALLY MANAGED PORTFO AKRE FOCUS ETF 74316P579 206,615 3,844 SH SOLE 0 0 0 3,844
PROGRESSIVE CORP COM 743315103 13,608,142 67,374 SH SOLE 0 0 0 67,374
PULTE GROUP INC COM 745867101 8,753,607 68,238 SH SOLE 0 0 0 68,238
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,264,195 70,756 SH SOLE 0 0 0 70,756
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 27,386,189 927,402 SH SOLE 0 0 0 927,402
SELECT MED HLDGS CORP COM 81619Q105 587,459 35,712 SH SOLE 0 0 0 35,712
SELECTIVE INS GROUP INC COM 816300107 1,115,137 13,085 SH SOLE 0 0 0 13,085
SPDR INDEX SHS FDS STATE STREET SPD 78463X509 32,249,122 632,460 SH SOLE 0 0 0 632,460
SPDR INDEX SHS FDS STATE STREET SPD 78463X889 842,089 17,377 SH SOLE 0 0 0 17,377
SPDR INDEX SHS FDS STATE STREET SPD 78463X756 3,010,405 41,957 SH SOLE 0 0 0 41,957
SPDR SERIES TRUST STATE STREET SPD 78468R853 210,724 3,968 SH SOLE 0 0 0 3,968
SPDR SERIES TRUST STATE STREET SPD 78468R739 939,476 19,601 SH SOLE 0 0 0 19,601
SPDR SERIES TRUST STATE STREET SPD 78464A508 203,520 3,453 SH SOLE 0 0 0 3,453
SPDR SERIES TRUST STATE STREET SPD 78464A300 19,036,528 184,749 SH SOLE 0 0 0 184,749
SPDR SERIES TRUST STATE STREET SPD 78464A847 27,450,232 429,850 SH SOLE 0 0 0 429,850
SPDR SERIES TRUST STATE STREET SPD 78464A656 328,510 12,529 SH SOLE 0 0 0 12,529
SPDR SERIES TRUST STATE STREET SPD 78464A649 50,195,941 1,958,484 SH SOLE 0 0 0 1,958,484
SPDR SERIES TRUST STATE STREET SPD 78464A201 8,828,651 82,465 SH SOLE 0 0 0 82,465
SPDR SERIES TRUST STATE STREET SPD 78464A805 67,449,109 776,616 SH SOLE 0 0 0 776,616
SSGA ACTIVE ETF TR STATE STREET DOU 78467V848 240,217 6,025 SH SOLE 0 0 0 6,025
SSGA ACTIVE TR STATE STREET DOU 78470P200 226,420 4,795 SH SOLE 0 0 0 4,795
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 366,882 513 SH SOLE 0 0 0 513
TENET HEALTHCARE CORP COM NEW 88033G407 786,250 4,238 SH SOLE 0 0 0 4,238
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 242,994 1,763 SH SOLE 0 0 0 1,763
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 1,446,390 13,047 SH SOLE 0 0 0 13,047
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,141,250 42,599 SH SOLE 0 0 0 42,599
VANGUARD INDEX FDS MID CAP ETF 922908629 1,021,988 13,345 SH SOLE 0 0 0 13,345
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,214,709 11,956 SH SOLE 0 0 0 11,956
VANGUARD INDEX FDS GROWTH ETF 922908736 215,905 2,586 SH SOLE 0 0 0 2,586
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,276,021 72,808 SH SOLE 0 0 0 72,808
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,628,581 52,082 SH SOLE 0 0 0 52,082
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,524,183 22,391 SH SOLE 0 0 0 22,391
VERIZON COMMUNICATIONS INC COM 92343V104 6,622,601 140,607 SH SOLE 0 0 0 140,607
WALMART INC COM 931142103 466,086 3,653 SH SOLE 0 0 0 3,653
WARRIOR MET COAL INC COM 93627C101 1,442,719 16,494 SH SOLE 0 0 0 16,494