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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
JP Morgan Ultra-Short Income ETF ExchangeTraded Fund 46641Q837   10,938 218,155 SH   SOLE   0 0 218,155
Apple Computer COM 037833100   6,738 34,737 SH   SOLE   0 0 34,737
Amazon COM 023135106   6,583 50,496 SH   SOLE   0 0 50,496
Quanta Services COM 74762E102   6,221 31,666 SH   SOLE   0 0 31,666
Ishares 7-10 Year Treasury ExchangeTraded Fund 464287440   6,107 63,218 SH   SOLE   0 0 63,218
Microsoft COM 594918104   5,937 17,435 SH   SOLE   0 0 17,435
Alphabet Cl A COM 38259P508   5,769 48,194 SH   SOLE   0 0 48,194
Vanguard Total Bond Market ExchangeTraded Fund 921937835   5,129 70,557 SH   SOLE   0 0 70,557
Vanguard MBS ExchangeTraded Fund 92206C771   4,996 108,635 SH   SOLE   0 0 108,635
Vanguard Short Term Coporate ExchangeTraded Fund 92206C409   4,832 63,866 SH   SOLE   0 0 63,866
Broadcom COM 11135F101   4,553 5,249 SH   SOLE   0 0 5,249
HCA Inc. COM 40412C101   4,250 14,003 SH   SOLE   0 0 14,003
Meta Platforms Inc COM 30303M102   4,166 14,515 SH   SOLE   0 0 14,515
EOG Resources COM 26875P101   4,090 35,742 SH   SOLE   0 0 35,742
Vanguard Intermediate Term Coporate ExchangeTraded Fund 92206C870   3,871 48,977 SH   SOLE   0 0 48,977
Visa COM 92826C839   3,811 16,049 SH   SOLE   0 0 16,049
Oracle COM 68389X105   3,792 31,843 SH   SOLE   0 0 31,843
Ishares National Muni Bond ExchangeTraded Fund 464288414   3,785 35,463 SH   SOLE   0 0 35,463
Eaton Corp COM G29183103   3,500 17,404 SH   SOLE   0 0 17,404
Lowes Companies COM 548661107   3,470 15,375 SH   SOLE   0 0 15,375
Applied Materials COM 038222105   3,368 23,299 SH   SOLE   0 0 23,299
JP Morgan Chase COM 46625H100   3,356 23,076 SH   SOLE   0 0 23,076
Ishares S&P Short Term Nat'l Muni Bond ExchangeTraded Fund 464288158   3,283 31,554 SH   SOLE   0 0 31,554
Booking Holdings COM 741503403   3,230 1,196 SH   SOLE   0 0 1,196
Comcast Cl A COM 20030N101   3,214 77,355 SH   SOLE   0 0 77,355
United Healthcare COM 91324P102   3,205 6,668 SH   SOLE   0 0 6,668
Marriott COM 571903202   3,197 17,404 SH   SOLE   0 0 17,404
Blackrock COM 09247X101   3,161 4,574 SH   SOLE   0 0 4,574
Adobe COM 00724F101   3,085 6,309 SH   SOLE   0 0 6,309
Regeneron COM 75886F107   3,058 4,256 SH   SOLE   0 0 4,256
FedEx Corp COM 31428X106   2,996 12,085 SH   SOLE   0 0 12,085
Union Pacific COM 907818108   2,964 14,484 SH   SOLE   0 0 14,484
Wal-Mart Stores COM 931142103   2,936 18,682 SH   SOLE   0 0 18,682
SalesForce COM 79466L302   2,905 13,753 SH   SOLE   0 0 13,753
Texas Instruments COM 882508104   2,750 15,276 SH   SOLE   0 0 15,276
Chubb COM H1467J104   2,705 14,048 SH   SOLE   0 0 14,048
Honeywell Int'l COM 438516106   2,672 12,875 SH   SOLE   0 0 12,875
The Travelers Cos COM 89417E109   2,573 14,817 SH   SOLE   0 0 14,817
Advanced Mico Devices COM 007903107   2,482 21,789 SH   SOLE   0 0 21,789
Cisco Systems COM 17275R102   2,411 46,603 SH   SOLE   0 0 46,603
Constellation Brands COM 21036P108   2,330 9,467 SH   SOLE   0 0 9,467
Charles Schwab COM 808513105   2,202 38,856 SH   SOLE   0 0 38,856
Thermo Fisher Scientific COM 883556102   2,187 4,191 SH   SOLE   0 0 4,191
Iqvia Holdings COM 46266C105   2,174 9,672 SH   SOLE   0 0 9,672
Amgen COM 031162100   2,099 9,452 SH   SOLE   0 0 9,452
Agilent COM 00846U101   2,095 17,425 SH   SOLE   0 0 17,425
Bank of America COM 060505104   1,922 66,976 SH   SOLE   0 0 66,976
Johnson & Johnson COM 478160104   1,904 11,505 SH   SOLE   0 0 11,505
S&P 500 SPDR ETF ExchangeTraded Fund 78462F103   1,820 4,106 SH   SOLE   0 0 4,106
Boeing COM 097023105   1,737 8,228 SH   SOLE   0 0 8,228
ConocoPhilips COM 20825C104   1,464 14,126 SH   SOLE   0 0 14,126
Diageo Plc ADS Common 25243Q205   1,447 8,343 SH   SOLE   0 0 8,343
SPDR Midcap 400 ETF ExchangeTraded Fund 78467Y107   1,442 3,011 SH   SOLE   0 0 3,011
Diamondback Energy COM 25278X109   1,350 10,279 SH   SOLE   0 0 10,279
Workday COM 98138H101   1,302 5,766 SH   SOLE   0 0 5,766
Ishares Iboxx Investment Grade Corp Bond ExchangeTraded Fund 464287242   1,254 11,600 SH   SOLE   0 0 11,600
PepsiCo COM 713448108   1,094 5,905 SH   SOLE   0 0 5,905
Abbvie Inc COM 00287Y109   1,019 7,565 SH   SOLE   0 0 7,565
Uber Inc COM 90353T100   1,001 23,188 SH   SOLE   0 0 23,188
Wells Fargo COM 949746101   923 21,636 SH   SOLE   0 0 21,636
PayPal COM 70450Y103   873 13,077 SH   SOLE   0 0 13,077
Deere COM 244199105   858 2,117 SH   SOLE   0 0 2,117
Ishare 3-7 Year Treasury ExchangeTraded Fund 464288661   730 6,333 SH   SOLE   0 0 6,333
Fiserv Inc COM 337738108   683 5,418 SH   SOLE   0 0 5,418
Autozone COM 053332102   613 246 SH   SOLE   0 0 246
Vertex Pharmaceuticals COM 92532F100   456 1,297 SH   SOLE   0 0 1,297
Nasdaq 100 Tr ExchangeTraded Fund 46090E103   427 1,157 SH   SOLE   0 0 1,157
Kroger COM 501044101   403 8,566 SH   SOLE   0 0 8,566
Illinois Tool Works COM 452308109   396 1,583 SH   SOLE   0 0 1,583
BP PLC ADS Common 055622104   374 10,584 SH   SOLE   0 0 10,584
Ishares Japan ExchangeTraded Fund 46434G822   372 6,012 SH   SOLE   0 0 6,012
Ishares Russell 2000 ExchangeTraded Fund 464287655   334 1,784 SH   SOLE   0 0 1,784
Ishares Asia Paciffc Ex Japan ExchangeTraded Fund 464288182   334 5,021 SH   SOLE   0 0 5,021
Ishares MSCI Emerging Mkts ExchangeTraded Fund 464287234   333 8,428 SH   SOLE   0 0 8,428
Becton Dickinson COM 075887109   328 1,242 SH   SOLE   0 0 1,242
Canadian Pacific Railway COM 13645T100   315 3,900 SH   SOLE   0 0 3,900
Costco COM 22160K105   188 350 SH   SOLE   0 0 350
T-Mobile U.S. COM 872590104   129 931 SH   SOLE   0 0 931
Ishares Aggregate Bond ExchangeTraded Fund 464287226   111 1,130 SH   SOLE   0 0 1,130
Lululemon COM 550021109   102 270 SH   SOLE   0 0 270
Mid-America Apartment COM 59522J103   75 495 SH   SOLE   0 0 495
Ishares Short Term Coporate ExchangeTraded Fund 464288646   70 1,400 SH   SOLE   0 0 1,400
Ishares High Yield ExchangeTraded Fund 464288513   61 812 SH   SOLE   0 0 812
Tractor Supply COM 892356106   54 244 SH   SOLE   0 0 244
Intuit COM 461202103   50 109 SH   SOLE   0 0 109
Proctor and Gamble COM 742718109   40 266 SH   SOLE   0 0 266
Morgan Stanley COM 617446448   20 233 SH   SOLE   0 0 233
CSX COM 126408103   19 566 SH   SOLE   0 0 566
Alphabet CL C COM 02079K107   17 140 SH   SOLE   0 0 140
EastGroup Properties COM 277276101   13 75 SH   SOLE   0 0 75
Palo Alto Netwroks COM 416202103   9 37 SH   SOLE   0 0 37
JB Hunt COM 445658107   3 15 SH   SOLE   0 0 15