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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106 2 20 SH   SOLE   20 0 0
INVESCO QQQ TRUST ETF 46090E103 43 152 SH   SOLE   152 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 44 348 SH   SOLE   348 0 0
BLOCK INC CL A Stock 852234103 0 5 SH   SOLE   5 0 0
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 333 13,285 SH   SOLE   13,285 0 0
ELEVANCE HEALTH INC COM Stock 036752103 22 46 SH   SOLE   46 0 0
DOLLAR GEN CORP NEW COM Stock 256677105 23 94 SH   SOLE   94 0 0
SPDR S&P NORTH AMERICAN NATURAL RESOURCES ETF ETF 78463X152 16,085 309,216 SH   SOLE   309,216 0 0
JOHNSON & JOHNSON COM Stock 478160104 32 191 SH   SOLE   191 0 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN Stock 01881G106 72 2,000 SH   SOLE   2,000 0 0
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794 18 335 SH   SOLE   335 0 0
HCA HEALTHCARE INC COM Stock 40412C101 28 139 SH   SOLE   139 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 2 15 SH   SOLE   15 0 0
INTEL CORP COM Stock 458140100 1 24 SH   SOLE   24 0 0
CME GROUP INC COM Stock 12572Q105 1 8 SH   SOLE   8 0 0
GLOBAL MED REIT INC COM NEW REIT 37954A204 0 5 SH   SOLE   5 0 0
ISHARES TREASURY FLOATING RATE BOND ETF ETF 46434V860 43,364 860,225 SH   SOLE   860,225 0 0
PROLOGIS INC. COM REIT 74340W103 6 55 SH   SOLE   55 0 0
MERCK & CO INC COM Stock 58933Y105 2 26 SH   SOLE   26 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 263 2,554 SH   SOLE   2,554 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 626 1,660 SH   SOLE   1,660 0 0
STEEL DYNAMICS INC COM Stock 858119100 2 23 SH   SOLE   23 0 0
EMERSON ELEC CO COM Stock 291011104 4 50 SH   SOLE   50 0 0
CHUBB LIMITED COM Stock H1467J104 23 122 SH   SOLE   122 0 0
FEDEX CORP COM Stock 31428X106 24 155 SH   SOLE   155 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457 4,175 51,392 SH   SOLE   51,392 0 0
SNAP INC CL A Stock 83304A106 1 100 SH   SOLE   100 0 0
KIMBERLY-CLARK CORP COM Stock 494368103 1 7 SH   SOLE   7 0 0
FIRSTENERGY CORP COM Stock 337932107 1 16 SH   SOLE   16 0 0
US BANCORP DEL COM NEW Stock 902973304 18 426 SH   SOLE   426 0 0
HOME DEPOT INC COM Stock 437076102 1 5 SH   SOLE   5 0 0
STARWOOD PPTY TR INC COM REIT 85571B105 29 1,500 SH   SOLE   1,500 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 45,042 354,968 SH   SOLE   354,968 0 0
SOUTHERN CO COM Stock 842587107 8 113 SH   SOLE   113 0 0
AMERISOURCEBERGEN CORP COM Stock 03073E105 33 235 SH   SOLE   235 0 0
LABORATORY CORP AMER HLDGS COM NEW Stock 50540R409 19 87 SH   SOLE   87 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 16 227 SH   SOLE   227 0 0
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 3,000 59,921 SH   SOLE   59,921 0 0
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 81,556 2,788,223 SH   SOLE   2,788,223 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND ETF 72201R833 2,957 29,978 SH   SOLE   29,978 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 0 3 SH   SOLE   3 0 0
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409 55 732 SH   SOLE   732 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 52 680 SH   SOLE   680 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 2 19 SH   SOLE   19 0 0
PROGRESSIVE CORP COM Stock 743315103 24 194 SH   SOLE   194 0 0
FRANKLIN FTSE JAPAN HEDGED ETF ETF 35473P637 11,695 388,676 SH   SOLE   388,676 0 0
FISERV INC COM Stock 337738108 31 312 SH   SOLE   312 0 0
ISHARES U.S. INFRASTRUCTURE ETF ETF 46435U713 16,145 474,583 SH   SOLE   474,583 0 0
MICROSOFT CORP COM Stock 594918104 13 51 SH   SOLE   51 0 0
SS&C TECHNOLOGIES HLDGS INC COM Stock 78467J100 28 545 SH   SOLE   545 0 0
DOCUSIGN INC COM Stock 256163106 0 5 SH   SOLE   5 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND ETF 81369Y852 10 201 SH   SOLE   201 0 0
FRANKLIN FTSE EUROPE ETF ETF 35473P652 448 21,132 SH   SOLE   21,132 0 0
BAUSCH HEALTH COS INC COM Stock 071734107 5 700 SH   SOLE   700 0 0
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706 24 412 SH   SOLE   412 0 0
NIKE INC CL B Stock 654106103 0 4 SH   SOLE   4 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 25 779 SH   SOLE   779 0 0
NORFOLK SOUTHN CORP COM Stock 655844108 2 7 SH   SOLE   7 0 0
WALGREENS BOOTS ALLIANCE INC COM Stock 931427108 0 3 SH   SOLE   3 0 0
STANLEY BLACK & DECKER INC COM Stock 854502101 22 267 SH   SOLE   267 0 0
VANGUARD S&P 500 ETF ETF 922908363 86,254 248,850 SH   SOLE   248,850 0 0
CORTEVA INC COM Stock 22052L104 0 6 SH   SOLE   6 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 232 1,722 SH   SOLE   1,722 0 0
INVESCO ULTRA SHORT DURATION ETF ETF 46090A887 2,979 60,312 SH   SOLE   60,312 0 0
LILLY ELI & CO COM Stock 532457108 2 5 SH   SOLE   5 0 0
OVERLAY SHARES LARGE CAP EQUITY ETF ETF 53656F805 105,528 3,484,083 SH   SOLE   3,484,083 0 0
OVERLAY SHARES MUNICIPAL BOND ETF ETF 53656F854 66 3,114 SH   SOLE   3,114 0 0
VANGUARD RUSSELL 1000 VALUE ETF ETF 92206C714 1,765 28,007 SH   SOLE   28,007 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 34,442 338,734 SH   SOLE   338,734 0 0
MICRON TECHNOLOGY INC COM Stock 595112103 28 518 SH   SOLE   518 0 0
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 3,505 58,813 SH   SOLE   58,813 0 0
ISHARES FLOATING RATE BOND ETF ETF 46429B655 43,673 869,983 SH   SOLE   869,983 0 0
ISHARES SELECT DIVIDEND ETF ETF 464287168 153 1,357 SH   SOLE   1,357 0 0
AMERICAN ELEC PWR CO INC COM Stock 025537101 1 9 SH   SOLE   9 0 0
MARATHON PETE CORP COM Stock 56585A102 1 12 SH   SOLE   12 0 0
VANGUARD MID-CAP GROWTH ETF ETF 922908538 17,604 96,782 SH   SOLE   96,782 0 0
ROBLOX CORP CL A Stock 771049103 0 6 SH   SOLE   6 0 0
ELECTRONIC ARTS INC COM Stock 285512109 10 78 SH   SOLE   78 0 0
VISA INC COM CL A Stock 92826C839 1 4 SH   SOLE   4 0 0
LUCID GROUP INC COM Stock 549498103 10 690 SH   SOLE   690 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 236 3,429 SH   SOLE   3,429 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595 0 1 SH   SOLE   1 0 0
VANGUARD VALUE INDEX FUND ETF 922908744 1 4 SH   SOLE   4 0 0
META PLATFORMS INC CL A Stock 30303M102 21 151 SH   SOLE   151 0 0
LPL FINL HLDGS INC COM Stock 50212V100 25 103 SH   SOLE   103 0 0
J.P. MORGAN NASDAQ EQUITY PREMIUM INCOME ETF ETF 46654Q203 16 375 SH   SOLE   375 0 0
PIMCO SENIOR LOAN ACTIVE EXCHANGE-TRADED FUND ETF 72201R627 40,608 832,228 SH   SOLE   832,228 0 0
MONDELEZ INTL INC CL A Stock 609207105 6 109 SH   SOLE   109 0 0
BROADCOM INC COM Stock 11135F101 45 93 SH   SOLE   93 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 1,542 27,908 SH   SOLE   27,908 0 0
ABBVIE INC COM Stock 00287Y109 2 13 SH   SOLE   13 0 0
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND ETF 97717W760 73 1,365 SH   SOLE   1,365 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 589 13,079 SH   SOLE   13,079 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 78 1,088 SH   SOLE   1,088 0 0
SYNOVUS FINL CORP COM NEW Stock 87161C501 4 100 SH   SOLE   100 0 0
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608 46 1,120 SH   SOLE   1,120 0 0
CISCO SYS INC COM Stock 17275R102 31 729 SH   SOLE   729 0 0
PTC THERAPEUTICS INC COM Stock 69366J200 9 175 SH   SOLE   175 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 21 254 SH   SOLE   254 0 0
MATERIALS SELECT SECTOR SPDR FUND ETF 81369Y100 9 127 SH   SOLE   127 0 0
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 614 21,211 SH   SOLE   21,211 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 18 126 SH   SOLE   126 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 11 127 SH   SOLE   127 0 0
ISHARES US FINANCIAL SERVICES ETF ETF 464287770 30 201 SH   SOLE   201 0 0
FIDELITY MSCI HEALTH CARE INDEX ETF ETF 316092600 2,435 40,339 SH   SOLE   40,339 0 0
FIDELITY COVINGTON TRUST MSCI CONSUMER STAPLES INDEX ETF ETF 316092303 22,145 536,586 SH   SOLE   536,586 0 0
WISDOMTREE INTERNATIONAL LARGECAP DIVIDEND FUND ETF 97717W794 41 1,046 SH   SOLE   1,046 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 3,428 9,056 SH   SOLE   9,056 0 0
ROSS STORES INC COM Stock 778296103 23 259 SH   SOLE   259 0 0
ISHARES MBS ETF ETF 464288588 26 287 SH   SOLE   287 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653 25 228 SH   SOLE   228 0 0
PROSPECT CAP CORP COM CEF 74348T102 34 5,100 SH   SOLE   5,100 0 0
LOCKHEED MARTIN CORP COM Stock 539830109 2 5 SH   SOLE   5 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 32 286 SH   SOLE   286 0 0
INTERNATIONAL PAPER CO COM Stock 460146103 1 18 SH   SOLE   18 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 28 850 SH   SOLE   850 0 0
CHEVRON CORP NEW COM Stock 166764100 47 294 SH   SOLE   294 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 280 2,706 SH   SOLE   2,706 0 0
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 2,517 54,114 SH   SOLE   54,114 0 0
WALMART INC COM Stock 931142103 1 4 SH   SOLE   4 0 0
PFIZER INC COM Stock 717081103 2 39 SH   SOLE   39 0 0
ISHARES 0-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 46434V100 81,430 1,712,511 SH   SOLE   1,712,511 0 0
KLA CORP COM NEW Stock 482480100 23 69 SH   SOLE   69 0 0
ISHARES CURRENCY HEDGED MSCI EAFE ETF ETF 46434V803 42 1,359 SH   SOLE   1,359 0 0
AMERICAN EXPRESS CO COM Stock 025816109 19 133 SH   SOLE   133 0 0
TYSON FOODS INC CL A Stock 902494103 28 421 SH   SOLE   421 0 0
INVESCO S&P 500 PURE VALUE ETF ETF 46137V258 1,771 23,835 SH   SOLE   23,835 0 0
VANECK MERK GOLD TRUST ETF 921078101 6 386 SH   SOLE   386 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 643 6,655 SH   SOLE   6,655 0 0
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621 10 221 SH   SOLE   221 0 0
BLACKROCK ULTRA SHORT-TERM BOND ETF ETF 46434V878 3,003 60,145 SH   SOLE   60,145 0 0
CRANE HLDGS CO COM Stock 224441105 0 4 SH   SOLE   4 0 0
SPDR S&P INTERNATIONAL DIVIDEND ETF ETF 78463X772 66 2,225 SH   SOLE   2,225 0 0
CITIGROUP INC COM NEW Stock 172967424 20 467 SH   SOLE   467 0 0
EXXON MOBIL CORP COM Stock 30231G102 2 22 SH   SOLE   22 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102 31 58 SH   SOLE   58 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 6 204 SH   SOLE   204 0 0
AUTOZONE INC COM Stock 053332102 43 19 SH   SOLE   19 0 0
CBRE GROUP INC CL A Stock 12504L109 29 399 SH   SOLE   399 0 0
APPLE INC COM Stock 037833100 13 92 SH   SOLE   92 0 0
GOLDMAN SACHS ACTIVEBETA U.S. LARGE CAP EQUITY ETF ETF 381430503 57 754 SH   SOLE   754 0 0