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
RANPAK HOLDINGS CORP COM CL A 75321W103 79,862 10,925 SH SOLE 0 0 10,925
HCA HEALTHCARE INC COM 40412C101 295,927 759 SH SOLE 0 0 759
TRUIST FINL CORP COM 89832Q109 2,432,760 48,831 SH SOLE 0 0 48,831
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 13,792,650 46,127 SH SOLE 0 0 46,127
SUN LIFE FINANCIAL INC. COM 866796105 320,189 4,083 SH SOLE 0 0 4,083
US BANCORP COM NEW 902973304 394,895 6,538 SH SOLE 0 0 6,538
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 12,990,446 173,437 SH SOLE 0 0 173,437
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,348,938 1,806 SH SOLE 0 0 1,806
HOME DEPOT INC COM 437076102 2,749,493 7,796 SH SOLE 0 0 7,796
DUPONT DE NEMOURS INC COMMON STOCK 26614N201 1,675,425 12,352 SH SOLE 0 0 12,352
CHURCHILL DOWNS INC COM 171484108 382,315 4,265 SH SOLE 0 0 4,265
WELLTOWER INC COM 95040Q104 225,154 992 SH SOLE 0 0 992
QUANTA SVCS INC COM 74762E102 450,745 626 SH SOLE 0 0 626
GOLDMAN SACHS GROUP INC COM 38141G104 975,972 965 SH SOLE 0 0 965
ELEVANCE HEALTH INC FORMERLY COM 036752103 607,940 1,572 SH SOLE 0 0 1,572
ASTRAZENECA PLC ORD G0593M107 270,019 1,424 SH SOLE 0 0 1,424
INVESCO QQQ TR UNIT SER 1 46090E103 343,162 466 SH SOLE 0 0 466
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 403,560 4,185 SH SOLE 0 0 4,185
CROWDSTRIKE HLDGS INC CL A 22788C105 801,297 4,200 SH SOLE 0 0 4,200
NIKE INC CL B 654106103 1,877,504 45,737 SH SOLE 0 0 45,737
CONSOLIDATED EDISON INC COM 209115104 2,270,681 20,525 SH SOLE 0 0 20,525
VANGUARD INDEX FDS SMALL CP ETF 922908751 56,030,230 184,845 SH SOLE 0 0 184,845
ALLSTATE CORP COM 020002101 238,178 1,001 SH SOLE 0 0 1,001
VANGUARD INDEX FDS MID CAP ETF 922908629 49,707,738 616,950 SH SOLE 0 0 616,950
VALERO ENERGY CORP COM 91913Y100 1,619,155 6,217 SH SOLE 0 0 6,217
PALANTIR TECHNOLOGIES INC CL A 69608A108 233,107 1,998 SH SOLE 0 0 1,998
PROCTER & GAMBLE CO COM 742718109 2,928,254 19,969 SH SOLE 0 0 19,969
VANGUARD INDEX FDS TOTAL STK MKT 922908769 667,922 1,805 SH SOLE 0 0 1,805
GREEN BRICK PARTNERS INC COM 392709101 5,882,460 73,494 SH SOLE 0 0 73,494
DUKE ENERGY CORP NEW COM NEW 26441C204 2,450,336 19,358 SH SOLE 0 0 19,358
KKR & CO INC COM 48251W104 252,579 2,752 SH SOLE 0 0 2,752
KIMBERLY-CLARK CORP COM 494368103 1,853,247 16,883 SH SOLE 0 0 16,883
ISHARES TR CORE S&P SCP ETF 464287804 500,398 3,374 SH SOLE 0 0 3,374
MICROSOFT CORP COM 594918104 6,838,949 18,334 SH SOLE 0 0 18,334
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 502,745 732 SH SOLE 0 0 732
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 221,950 230 SH SOLE 0 0 230
XPO INC COM 983793100 542,992 2,645 SH SOLE 0 0 2,645
AMPHENOL CORP CL A 032095101 489,464 2,776 SH SOLE 0 0 2,776
ISHARES TR 1 3 YR TREAS BD 464287457 20,184,691 245,825 SH SOLE 0 0 245,825
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,557,278 6,325 SH SOLE 0 0 6,325
ALPHABET INC CAP STK CL A 02079K305 3,531,888 9,883 SH SOLE 0 0 9,883
INTEL CORP COM 458140100 328,131 2,350 SH SOLE 0 0 2,350
PEPSICO INC COM 713448108 1,123,955 8,301 SH SOLE 0 0 8,301
VANGUARD WORLD FD INF TECH ETF 92204A702 5,977,081 50,009 SH SOLE 0 0 50,009
EMERSON ELEC CO COM 291011104 393,233 2,747 SH SOLE 0 0 2,747
ELI LILLY & CO COM 532457108 5,309,877 4,427 SH SOLE 0 0 4,427
CHUBB LIMITED COM H1467J104 2,039,670 5,986 SH SOLE 0 0 5,986
AFLAC INC COM 001055102 479,435 4,089 SH SOLE 0 0 4,089
COCA COLA CO COM 191216100 936,881 11,528 SH SOLE 0 0 11,528
PACER FDS TR US CASH COWS 100 69374H881 12,144,799 195,254 SH SOLE 0 0 195,254
DELL TECHNOLOGIES INC CL C 24703L202 633,383 1,468 SH SOLE 0 0 1,468
BOEING CO COM 097023105 2,036,117 9,406 SH SOLE 0 0 9,406
NORFOLK SOUTHN CORP COM 655844108 617,855 1,964 SH SOLE 0 0 1,964
COSTCO WHOLESALE CORPORATION COM 22160K105 3,275,080 3,501 SH SOLE 0 0 3,501
JOHNSON & JOHNSON COM 478160104 6,404,615 25,218 SH SOLE 0 0 25,218
LINDE PLC SHS G54950103 531,914 1,025 SH SOLE 0 0 1,025
ISHARES TR RUS MDCP VAL ETF 464287473 409,360 2,487 SH SOLE 0 0 2,487
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 21,263,817 99,938 SH SOLE 0 0 99,938
MERCK & CO INC COM 58933Y105 507,575 3,950 SH SOLE 0 0 3,950
NEXTERA ENERGY INC COM 65339F101 482,559 5,498 SH SOLE 0 0 5,498
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,573,844 11,139 SH SOLE 0 0 11,139
CORNING INC COM 219350105 2,660,303 10,415 SH SOLE 0 0 10,415
SPDR GOLD TR GOLD SHS 78463V107 477,052 1,295 SH SOLE 0 0 1,295
ISHARES TR RUS 1000 GRW ETF 464287614 14,988,970 120,713 SH SOLE 0 0 120,713
FEDEX CORP COM 31428X106 298,100 952 SH SOLE 0 0 952
PINNACLE FINL PARTNERS INC COM 72348N109 393,432 3,900 SH SOLE 0 0 3,900
TESLA INC COM 88160R101 541,733 1,288 SH SOLE 0 0 1,288
MASTERCARD INCORPORATED CL A 57636Q104 420,125 818 SH SOLE 0 0 818
BERKSHIRE HATHAWAY INC DEL CL A 084670108 748,850 1 SH SOLE 0 0 1
MEDTRONIC PLC SHS G5960L103 1,584,862 20,259 SH SOLE 0 0 20,259
AMAZON COM INC COM 023135106 5,534,255 23,220 SH SOLE 0 0 23,220
HONEYWELL INTL INC COM 438516205 1,060,838 4,738 SH SOLE 0 0 4,738
MICRON TECHNOLOGY INC COM 595112103 8,762,215 7,591 SH SOLE 0 0 7,591
ROKU INC COM CL A 77543R102 221,853 1,606 SH SOLE 0 0 1,606
HALLIBURTON CO COM 406216101 1,706,770 50,273 SH SOLE 0 0 50,273
QNITY ELECTRONICS INC COMMON STOCK 74743L100 406,805 2,491 SH SOLE 0 0 2,491
SALESFORCE INC COM 79466L302 1,525,398 9,737 SH SOLE 0 0 9,737
PFIZER INC COM 717081103 1,411,955 58,636 SH SOLE 0 0 58,636
GE AEROSPACE COM NEW 369604301 725,784 1,942 SH SOLE 0 0 1,942
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 212,440 4,000 SH SOLE 0 0 4,000
VISA INC COM CL A 92826C839 2,138,823 6,234 SH SOLE 0 0 6,234
DEERE & CO COM 244199105 2,734,597 4,311 SH SOLE 0 0 4,311
RTX CORPORATION COM 75513E101 2,665,707 14,050 SH SOLE 0 0 14,050
TOAST INC CL A 888787108 214,270 7,702 SH SOLE 0 0 7,702
ECOLAB INC COM 278865100 209,236 751 SH SOLE 0 0 751
PARKER-HANNIFIN CORP COM 701094104 281,699 288 SH SOLE 0 0 288
T-MOBILE US INC COM 872590104 1,403,397 8,367 SH SOLE 0 0 8,367
ABBVIE INC COM 00287Y109 828,902 3,294 SH SOLE 0 0 3,294
DIAMONDBACK ENERGY INC COM 25278X109 281,248 1,600 SH SOLE 0 0 1,600
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 731,392 3,091 SH SOLE 0 0 3,091
CONOCOPHILLIPS COM 20825C104 361,989 3,482 SH SOLE 0 0 3,482
CHEVRON CORPORATION COM 166764100 362,186 2,185 SH SOLE 0 0 2,185
BROADCOM INC COM 11135F101 629,709 1,667 SH SOLE 0 0 1,667
SHOPIFY INC CL A SUB VTG SHS 82509L107 288,305 2,525 SH SOLE 0 0 2,525
SYNOPSYS INC COM 871607107 225,711 506 SH SOLE 0 0 506
CISCO SYS INC COM 17275R102 3,254,934 27,711 SH SOLE 0 0 27,711
VANGUARD INDEX FDS VALUE ETF 922908744 612,601 2,811 SH SOLE 0 0 2,811
TRAVELERS COMPANIES INC COM 89417E109 2,559,090 7,752 SH SOLE 0 0 7,752
TARGET CORP COM 87612E106 2,560,478 19,604 SH SOLE 0 0 19,604
NORTHROP GRUMMAN CORP COM 666807102 285,214 560 SH SOLE 0 0 560
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 501,220 9,500 SH SOLE 0 0 9,500
VANGUARD WORLD FD MEGA GRWTH IND 921910816 284,134 3,232 SH SOLE 0 0 3,232
MORGAN STANLEY COM NEW 617446448 257,119 1,230 SH SOLE 0 0 1,230
GENERAL DYNAMICS CORP COM 369550108 558,282 1,576 SH SOLE 0 0 1,576
AMERICAN EXPRESS CO COM 025816109 938,982 2,776 SH SOLE 0 0 2,776
UNITEDHEALTH GROUP INC COM 91324P102 7,266,875 17,484 SH SOLE 0 0 17,484
JPMORGAN CHASE & CO COM 46625H100 5,177,379 15,817 SH SOLE 0 0 15,817
WELLS FARGO & CO COM 949746101 355,600 4,303 SH SOLE 0 0 4,303
CRH PLC ORD G25508105 396,114 3,702 SH SOLE 0 0 3,702
MCDONALDS CORP COM 580135101 617,929 2,286 SH SOLE 0 0 2,286
META PLATFORMS INC CL A 30303M102 479,923 852 SH SOLE 0 0 852
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 457,100 14,415 SH SOLE 0 0 14,415
ISHARES TR RUS 1000 VAL ETF 464287598 17,967,651 74,114 SH SOLE 0 0 74,114
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 822,160 43,000 SH SOLE 0 0 43,000
ISHARES TR CORE S&P500 ETF 464287200 1,426,635 1,905 SH SOLE 0 0 1,905
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 23,726,992 150,142 SH SOLE 0 0 150,142
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,459,126 41,198 SH SOLE 0 0 41,198
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 20,686,853 247,007 SH SOLE 0 0 247,007
BANK OF AMER CORP COM 060505104 847,578 14,875 SH SOLE 0 0 14,875
MONDELEZ INTL INC CL A 609207105 1,637,971 28,319 SH SOLE 0 0 28,319
ISHARES TR CORE US AGGBD ET 464287226 2,254,368 22,776 SH SOLE 0 0 22,776
CATERPILLAR INC COM 149123101 4,132,877 3,881 SH SOLE 0 0 3,881
ALPHABET INC CAP STK CL C 02079K107 5,367,436 15,191 SH SOLE 0 0 15,191
ASML HLDG NV N Y REGISTRY SHS N07059210 592,853 298 SH SOLE 0 0 298
T ROWE PRICE EXCHANGE-TRADED SMALL MID CAP 87283Q826 1,447,050 33,000 SH SOLE 0 0 33,000
CINCINNATI FINL CORP COM 172062101 373,983 2,020 SH SOLE 0 0 2,020
QUEST DIAGNOSTICS INC COM 74834L100 362,858 1,712 SH SOLE 0 0 1,712
GE VERNOVA INC COM 36828A101 1,039,751 885 SH SOLE 0 0 885
WALMART INC COM 931142103 2,952,235 26,066 SH SOLE 0 0 26,066
COMMERCIAL BANCGROUP INC COM 20112C106 612,703 18,975 SH SOLE 0 0 18,975
ISHARES TR PFD AND INCM SEC 464288687 13,742,239 450,713 SH SOLE 0 0 450,713
DOMINION ENERGY INC COM 25746U109 223,929 3,279 SH SOLE 0 0 3,279
ARISTA NETWORKS INC COM SHS 040413205 255,330 1,503 SH SOLE 0 0 1,503
ORACLE CORP COM 68389X105 648,630 4,426 SH SOLE 0 0 4,426
CITIGROUP INC COM NEW 172967424 674,887 4,822 SH SOLE 0 0 4,822
GXO LOGISTICS INCORPORATED COMMON STOCK 36262G101 205,943 4,062 SH SOLE 0 0 4,062
APPLE INC COM 037833100 14,718,950 50,867 SH SOLE 0 0 50,867
SPDR SERIES TRUST ST STR P500VAL 78464A508 362,928 5,970 SH SOLE 0 0 5,970
LAM RESEARCH CORP COM NEW 512807306 651,728 1,504 SH SOLE 0 0 1,504
CHURCH & DWIGHT CO INC COM 171340102 250,629 2,587 SH SOLE 0 0 2,587
SPDR SERIES TRUST ST STR P500GRW 78464A409 367,206 3,086 SH SOLE 0 0 3,086
NORTHERN TR CORP COM 665859104 2,310,334 13,290 SH SOLE 0 0 13,290
BLACKSTONE INC COM 09260D107 247,813 2,106 SH SOLE 0 0 2,106
TEXAS INSTRS INC COM 882508104 2,631,064 8,827 SH SOLE 0 0 8,827
ADVANCED MICRO DEVICES INC COM 007903107 5,083,543 8,751 SH SOLE 0 0 8,751
UNION PAC CORP COM 907818108 1,362,448 5,009 SH SOLE 0 0 5,009
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 33,235,124 368,869 SH SOLE 0 0 368,869
STRYKER CORPORATION COM 863667101 517,282 1,643 SH SOLE 0 0 1,643
HONEYWELL AEROSPACE INC COM 43849R105 1,047,477 4,738 SH SOLE 0 0 4,738
MARKEL GROUP INC COM 570535104 267,562 137 SH SOLE 0 0 137
ISHARES TR IBOXX INV CP ETF 464287242 2,514,173 23,051 SH SOLE 0 0 23,051
NVIDIA CORPORATION COM 67066G104 2,041,518 10,203 SH SOLE 0 0 10,203
CITIZENS FINL GROUP INC COM 174610105 322,322 4,600 SH SOLE 0 0 4,600
ISHARES TR CORE S&P MCP ETF 464287507 735,244 9,535 SH SOLE 0 0 9,535
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 229,280 4,550 SH SOLE 0 0 4,550
DISNEY WALT CO COM 254687106 1,880,244 19,535 SH SOLE 0 0 19,535