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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALLISON TRANSMISSION HLDGS I COM 01973R101   218,492 2,941 SH   SOLE 0 0 0 2,941
ALPHA METALLURGICAL RESOUR I COM 020764106   295,140 967 SH   SOLE 0 0 0 967
ALPHABET INC CAP STK CL A 02079K305   236,792 1,253 SH   SOLE 0 0 0 1,253
ALPHABET INC CAP STK CL C 02079K107   9,072,816 47,641 SH   SOLE 0 0 0 47,641
AMAZON COM INC COM 023135106   9,312,038 46,714 SH   SOLE 0 0 0 46,714
APPLE INC COM 037833100   9,940,165 43,468 SH   SOLE 0 0 0 43,468
ARCH RESOURCES INC CL A 03940R107   294,436 1,826 SH   SOLE 0 0 0 1,826
BERKLEY W R CORP COM 084423102   5,924,621 74,957 SH   SOLE 0 0 0 74,957
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   8,028,728 19,557 SH   SOLE 0 0 0 19,557
BJS WHSL CLUB HLDGS INC COM 05550J101   396,881 4,506 SH   SOLE 0 0 0 4,506
BORGWARNER INC COM 099724106   206,878 6,534 SH   SOLE 0 0 0 6,534
BP PLC SPONSORED ADR 055622104   313,200 9,000 SH   SOLE 0 0 0 9,000
CAPITAL ONE FINL CORP COM 14040H105   5,990,125 43,727 SH   SOLE 0 0 0 43,727
CMS ENERGY CORP COM 125896100   216,527 3,679 SH   SOLE 0 0 0 3,679
COCA COLA CO COM 191216100   305,676 4,876 SH   SOLE 0 0 0 4,876
CONSOL ENERGY INC NEW COM 20854L108   502,685 5,029 SH   SOLE 0 0 0 5,029
CSX CORP COM 126408103   710,695 21,881 SH   SOLE 0 0 0 21,881
DAVITA INC COM 23918K108   362,924 2,631 SH   SOLE 0 0 0 2,631
EAGLE MATLS INC COM 26969P108   207,916 979 SH   SOLE 0 0 0 979
ENACT HLDGS INC COM 29249E109   295,933 9,793 SH   SOLE 0 0 0 9,793
EXXON MOBIL CORP COM 30231G102   5,283,284 47,623 SH   SOLE 0 0 0 47,623
FIRST TR EXCHANGE-TRADED FD MANAGD MUN ETF 33739N108   727,634 14,187 SH   SOLE 0 0 0 14,187
FIRST TR EXCHNG TRADED FD VI FT VEST LADDERED 33740U703   964,629 39,397 SH   SOLE 0 0 0 39,397
GRANITESHARES GOLD TR SHS BEN INT 38748G101   208,144 8,916 SH   SOLE 0 0 0 8,916
HCA HEALTHCARE INC COM 40412C101   5,954,830 18,790 SH   SOLE 0 0 0 18,790
HUNTINGTON BANCSHARES INC COM 446150104   246,352 18,994 SH   SOLE 0 0 0 18,994
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107   310,008 2,475 SH   SOLE 0 0 0 2,475
ISHARES INC CORE MSCI EMKT 46434G103   418,048 7,602 SH   SOLE 0 0 0 7,602
ISHARES INC JP MORGAN EM ETF 464286517   8,570,130 236,809 SH   SOLE 0 0 0 236,809
ISHARES TR SP SMCP600VL ETF 464287879   480,372 5,007 SH   SOLE 0 0 0 5,007
ISHARES TR SHRT NAT MUN ETF 464288158   968,186 9,247 SH   SOLE 0 0 0 9,247
ISHARES TR NATIONAL MUN ETF 464288414   1,304,822 12,198 SH   SOLE 0 0 0 12,198
ISHARES TR CORE S&P TTL STK 464287150   353,779 2,925 SH   SOLE 0 0 0 2,925
ISHARES TR AGGRES ALLOC ETF 464289859   300,469 3,985 SH   SOLE 0 0 0 3,985
ISHARES TR IBOXX HI YD ETF 464288513   245,568 3,176 SH   SOLE 0 0 0 3,176
ISHARES TR CORE US AGGBD ET 464287226   2,118,396 21,723 SH   SOLE 0 0 0 21,723
ISHARES TR 0-3 MNTH TREASRY 46436E718   1,809,857 18,025 SH   SOLE 0 0 0 18,025
ISHARES TR CORE S&P MCP ETF 464287507   3,032,079 52,522 SH   SOLE 0 0 0 52,522
ISHARES TR IBONDS 24 TRM TS 46436E874   21,740,978 909,284 SH   SOLE 0 0 0 909,284
ISHARES TR CORE S&P500 ETF 464287200   501,103 897 SH   SOLE 0 0 0 897
ISHARES TR MSCI INTL QUALTY 46434V456   37,924,666 962,799 SH   SOLE 0 0 0 962,799
ISHARES TR INTERNATIONAL SL 46434V266   6,455,044 198,260 SH   SOLE 0 0 0 198,260
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   531,701 10,535 SH   SOLE 0 0 0 10,535
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   217,814 4,326 SH   SOLE 0 0 0 4,326
JPMORGAN CHASE & CO. COM 46625H100   6,851,056 32,996 SH   SOLE 0 0 0 32,996
KINSALE CAP GROUP INC COM 49714P108   354,180 942 SH   SOLE 0 0 0 942
LOWES COS INC COM 548661107   4,687,226 21,667 SH   SOLE 0 0 0 21,667
MARRIOTT INTL INC NEW CL A 571903202   201,417 848 SH   SOLE 0 0 0 848
MCDONALDS CORP COM 580135101   499,260 2,031 SH   SOLE 0 0 0 2,031
MEDPACE HLDGS INC COM 58506Q109   224,992 547 SH   SOLE 0 0 0 547
MERCK & CO INC COM 58933Y105   493,447 3,915 SH   SOLE 0 0 0 3,915
META PLATFORMS INC CL A 30303M102   295,210 557 SH   SOLE 0 0 0 557
MGIC INVT CORP WIS COM 552848103   224,150 10,474 SH   SOLE 0 0 0 10,474
MICROSOFT CORP COM 594918104   5,907,355 12,855 SH   SOLE 0 0 0 12,855
NIKE INC CL B 654106103   257,523 3,554 SH   SOLE 0 0 0 3,554
NMI HLDGS INC COM 629209305   395,569 11,516 SH   SOLE 0 0 0 11,516
NVIDIA CORPORATION COM 67066G104   529,685 4,032 SH   SOLE 0 0 0 4,032
OAKTREE SPECIALTY LENDING CO COM 67401P405   346,626 18,666 SH   SOLE 0 0 0 18,666
PACER FDS TR SWAN SOS FD OF 69374H568   11,569,048 412,297 SH   SOLE 0 0 0 412,297
PEPSICO INC COM 713448108   4,695,708 29,004 SH   SOLE 0 0 0 29,004
PHOTRONICS INC COM 719405102   210,580 8,310 SH   SOLE 0 0 0 8,310
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,310,080 23,013 SH   SOLE 0 0 0 23,013
PROCTER AND GAMBLE CO COM 742718109   5,064,769 30,573 SH   SOLE 0 0 0 30,573
PROGRESSIVE CORP COM 743315103   6,334,511 30,238 SH   SOLE 0 0 0 30,238
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   554,818 11,462 SH   SOLE 0 0 0 11,462
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   18,790,524 279,040 SH   SOLE 0 0 0 279,040
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,681,888 22,719 SH   SOLE 0 0 0 22,719
SELECT MED HLDGS CORP COM 81619Q105   312,406 8,771 SH   SOLE 0 0 0 8,771
SELECTIVE INS GROUP INC COM 816300107   360,484 3,944 SH   SOLE 0 0 0 3,944
SEMLER SCIENTIFIC INC COM 81684M104   262,714 7,875 SH   SOLE 0 0 0 7,875
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   2,059,485 34,901 SH   SOLE 0 0 0 34,901
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   21,514,047 557,503 SH   SOLE 0 0 0 557,503
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   327,535 9,203 SH   SOLE 0 0 0 9,203
SPDR S&P 500 ETF TR TR UNIT 78462F103   384,627 692 SH   SOLE 0 0 0 692
SPDR SER TR PORTFLI TIPS ETF 78464A656   275,248 10,828 SH   SOLE 0 0 0 10,828
SPDR SER TR NUVEEN BLMBRG SH 78468R739   895,340 18,953 SH   SOLE 0 0 0 18,953
SPDR SER TR S&P 600 SMCP VAL 78464A300   12,292,936 159,029 SH   SOLE 0 0 0 159,029
SPDR SER TR S&P 600 SMCP GRW 78464A201   5,910,688 69,513 SH   SOLE 0 0 0 69,513
SPDR SER TR BLOOMBERG EMERGI 78464A391   454,664 22,620 SH   SOLE 0 0 0 22,620
SPDR SER TR PORTFOLIO AGRGTE 78464A649   23,184,605 920,755 SH   SOLE 0 0 0 920,755
SPDR SER TR PORTFOLIO S&P400 78464A847   18,474,293 365,032 SH   SOLE 0 0 0 365,032
SPDR SER TR PORTFOLI S&P1500 78464A805   51,378,922 760,043 SH   SOLE 0 0 0 760,043
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   369,702 9,282 SH   SOLE 0 0 0 9,282
TENET HEALTHCARE CORP COM NEW 88033G407   300,053 2,291 SH   SOLE 0 0 0 2,291
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   728,870 8,838 SH   SOLE 0 0 0 8,838
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,314,396 18,162 SH   SOLE 0 0 0 18,162
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,577,382 9,461 SH   SOLE 0 0 0 9,461
VANGUARD INDEX FDS MID CAP ETF 922908629   543,223 2,249 SH   SOLE 0 0 0 2,249
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,645,759 81,288 SH   SOLE 0 0 0 81,288
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   988,825 19,670 SH   SOLE 0 0 0 19,670
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   12,504,537 161,495 SH   SOLE 0 0 0 161,495
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,128,999 22,539 SH   SOLE 0 0 0 22,539
VERIZON COMMUNICATIONS INC COM 92343V104   7,070,352 171,195 SH   SOLE 0 0 0 171,195
WALMART INC COM 931142103   369,352 5,284 SH   SOLE 0 0 0 5,284
WARRIOR MET COAL INC COM 93627C101   535,781 7,805 SH   SOLE 0 0 0 7,805
WISDOMTREE TR GLB US QTLY DIV 97717W844   1,516,838 38,016 SH   SOLE 0 0 0 38,016