Sterneck Capital Management 13F-HR Quarterly holdings report by institutional manager

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

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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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
AIR PRODS & CHEMS INC	COM	009158106	476,384	1,600	SH		SOLE	0	0	0	1,600
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	2,658,730	25,054	SH		SOLE	0	0	0	25,054
ALLY FINL INC	COM	02005N100	393,590	11,059	SH		SOLE	0	0	0	11,059
ALPHABET INC	CAP STK CL C	02079K107	3,879,417	23,204	SH		SOLE	0	0	0	23,204
ALPHABET INC	CAP STK CL A	02079K305	2,889,587	17,423	SH		SOLE	0	0	0	17,423
AMAZON COM INC	COM	023135106	5,040,227	27,050	SH		SOLE	0	0	0	27,050
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	4,737,285	49,372	SH		SOLE	0	0	0	49,372
AMERICAN CENTY ETF TR	INTL EQT ETF	025072703	2,189,627	32,666	SH		SOLE	0	0	0	32,666
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	3,336,461	51,648	SH		SOLE	0	0	0	51,648
AMERICAN EXPRESS CO	COM	025816109	258,996	955	SH		SOLE	0	0	0	955
APA CORPORATION	COM	03743Q108	232,982	9,525	SH		SOLE	0	0	0	9,525
APPLE INC	COM	037833100	21,342,436	91,598	SH		SOLE	0	0	0	91,598
ARMADA HOFFLER PPTYS INC	COM	04208T108	852,971	78,760	SH		SOLE	0	0	0	78,760
AUTOZONE INC	COM	053332102	1,890,024	600	SH		SOLE	0	0	0	600
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	2,770,765	6,020	SH		SOLE	0	0	0	6,020
BGC GROUP INC	CL A	088929104	178,092	19,400	SH		SOLE	0	0	0	19,400
BLACKSTONE INC	COM	09260D107	444,077	2,900	SH		SOLE	0	0	0	2,900
BOEING CO	COM	097023105	444,869	2,926	SH		SOLE	0	0	0	2,926
BRISTOL-MYERS SQUIBB CO	COM	110122108	313,648	6,062	SH		SOLE	0	0	0	6,062
BROOKFIELD REAL ASSETS INCOM	SHS BEN INT	112830104	437,893	31,963	SH		SOLE	0	0	0	31,963
CARLYLE GROUP INC	COM	14316J108	319,462	7,419	SH		SOLE	0	0	0	7,419
CELANESE CORP DEL	COM	150870103	230,860	1,698	SH		SOLE	0	0	0	1,698
CHEVRON CORP NEW	COM	166764100	958,450	6,508	SH		SOLE	0	0	0	6,508
CHURCH & DWIGHT CO INC	COM	171340102	1,036,728	9,900	SH		SOLE	0	0	0	9,900
CISCO SYS INC	COM	17275R102	486,360	9,139	SH		SOLE	0	0	0	9,139
CITIGROUP INC	COM NEW	172967424	408,455	6,525	SH		SOLE	0	0	0	6,525
CLEVELAND-CLIFFS INC NEW	COM	185899101	249,168	19,512	SH		SOLE	0	0	0	19,512
CVS HEALTH CORP	COM	126650100	254,916	4,054	SH		SOLE	0	0	0	4,054
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	487,680	18,056	SH		SOLE	0	0	0	18,056
DISNEY WALT CO	COM	254687106	2,803,490	29,145	SH		SOLE	0	0	0	29,145
ELI LILLY & CO	COM	532457108	276,413	312	SH		SOLE	0	0	0	312
ENBRIDGE INC	COM	29250N105	526,021	12,953	SH		SOLE	0	0	0	12,953
ENTERPRISE PRODS PARTNERS L	COM	293792107	261,990	9,000	SH		SOLE	0	0	0	9,000
FEDEX CORP	COM	31428X106	647,253	2,365	SH		SOLE	0	0	0	2,365
FIRST TR INTER DURATN PFD &	COM	33718W103	337,351	17,274	SH		SOLE	0	0	0	17,274
GENERAL MTRS CO	COM	37045V100	405,503	9,043	SH		SOLE	0	0	0	9,043
GEO GROUP INC NEW	COM	36162J106	374,937	29,178	SH		SOLE	0	0	0	29,178
GOLDMAN SACHS ETF TR	ACCES TREASURY	381430529	8,954,794	89,289	SH		SOLE	0	0	0	89,289
GOLDMAN SACHS ETF TR	EQUAL WEIGHT US	381430438	321,444	4,149	SH		SOLE	0	0	0	4,149
GXO LOGISTICS INCORPORATED	COMMON STOCK	36262G101	286,749	5,507	SH		SOLE	0	0	0	5,507
HERTZ GLOBAL HLDGS INC	*W EXP 06/30/205	42806J148	119,554	54,591	SH		SOLE	0	0	0	54,591
HONEYWELL INTL INC	COM	438516106	217,459	1,052	SH		SOLE	0	0	0	1,052
HP INC	COM	40434L105	281,938	7,860	SH		SOLE	0	0	0	7,860
ILLINOIS TOOL WKS INC	COM	452308109	226,691	865	SH		SOLE	0	0	0	865
INTEL CORP	COM	458140100	200,161	8,532	SH		SOLE	0	0	0	8,532
INTERNATIONAL BUSINESS MACHS	COM	459200101	3,074,089	13,905	SH		SOLE	0	0	0	13,905
INVESCO EXCH TRD SLF IDX FD	BULSHS 2024 CB	46138J841	703,254	33,298	SH		SOLE	0	0	0	33,298
INVESCO EXCHANGE TRADED FD T	FINL PFD ETF	46137V621	1,444,557	92,245	SH		SOLE	0	0	0	92,245
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	17,553,826	97,978	SH		SOLE	0	0	0	97,978
ISHARES TR	PFD AND INCM SEC	464288687	256,203	7,710	SH		SOLE	0	0	0	7,710
ISHARES TR	RUSSELL 3000 ETF	464287689	392,249	1,201	SH		SOLE	0	0	0	1,201
ISHARES TR	U S EQUITY FACTR	46434V282	5,566,825	94,722	SH		SOLE	0	0	0	94,722
J P MORGAN EXCHANGE TRADED F	JPMORGAN DIVER	46641Q407	9,790,747	81,810	SH		SOLE	0	0	0	81,810
J P MORGAN EXCHANGE TRADED F	DIV RTN INT EQ	46641Q209	9,010,046	149,967	SH		SOLE	0	0	0	149,967
JPMORGAN CHASE & CO.	COM	46625H100	1,097,687	5,206	SH		SOLE	0	0	0	5,206
KENVUE INC	COM	49177J102	738,402	31,924	SH		SOLE	0	0	0	31,924
KRANESHARES TRUST	CSI CHI INTERNET	500767306	4,155,139	122,138	SH		SOLE	0	0	0	122,138
KYNDRYL HLDGS INC	COMMON STOCK	50155Q100	590,517	25,697	SH		SOLE	0	0	0	25,697
LIBERTY LATIN AMERICA LTD	COM CL C	G9001E128	598,316	63,047	SH		SOLE	0	0	0	63,047
LITMAN GREGORY FDS TR	IMGP DBI MANAGED	53700T827	1,208,950	42,977	SH		SOLE	0	0	0	42,977
META PLATFORMS INC	CL A	30303M102	4,216,402	7,366	SH		SOLE	0	0	0	7,366
MICROSOFT CORP	COM	594918104	3,689,392	8,574	SH		SOLE	0	0	0	8,574
NUVEEN QUALITY MUNCP INCOME	COM	67066V101	142,048	11,474	SH		SOLE	0	0	0	11,474
NVIDIA CORPORATION	COM	67066G104	271,904	2,239	SH		SOLE	0	0	0	2,239
PALANTIR TECHNOLOGIES INC	CL A	69608A108	393,650	10,582	SH		SOLE	0	0	0	10,582
PARKER-HANNIFIN CORP	COM	701094104	236,301	374	SH		SOLE	0	0	0	374
PENNANTPARK INVT CORP	COM	708062104	329,662	47,162	SH		SOLE	0	0	0	47,162
PEPSICO INC	COM	713448108	235,519	1,385	SH		SOLE	0	0	0	1,385
PFIZER INC	COM	717081103	536,056	18,523	SH		SOLE	0	0	0	18,523
PIONEER DIVERSIFIED HIGH INC	COM	723653101	245,262	19,940	SH		SOLE	0	0	0	19,940
QUALCOMM INC	COM	747525103	1,977,843	11,631	SH		SOLE	0	0	0	11,631
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	729,860	16,105	SH		SOLE	0	0	0	16,105
SPDR GOLD TR	GOLD SHS	78463V107	328,131	1,350	SH		SOLE	0	0	0	1,350
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	12,133,338	293,928	SH		SOLE	0	0	0	293,928
SPDR S&P 500 ETF TR	TR UNIT	78462F103	5,032,846	8,772	SH		SOLE	0	0	0	8,772
SPDR SER TR	PORTFOLI S&P1500	78464A805	6,269,668	89,490	SH		SOLE	0	0	0	89,490
SPDR SER TR	PORTFLI HIGH YLD	78468R606	2,955,913	122,907	SH		SOLE	0	0	0	122,907
SPROTT PHYSICAL SILVER TR	TR UNIT	85207K107	117,301	11,225	SH		SOLE	0	0	0	11,225
STAR HLDGS	SHS BEN INT	85512G106	183,781	13,279	SH		SOLE	0	0	0	13,279
THERMO FISHER SCIENTIFIC INC	COM	883556102	1,979,424	3,200	SH		SOLE	0	0	0	3,200
TOPGOLF CALLAWAY BRANDS CORP	COM	131193104	240,308	21,886	SH		SOLE	0	0	0	21,886
TRANE TECHNOLOGIES PLC	SHS	G8994E103	250,731	645	SH		SOLE	0	0	0	645
TRANSOCEAN LTD	REGISTERED SHS	H8817H100	78,668	18,510	SH		SOLE	0	0	0	18,510
TRAVELERS COMPANIES INC	COM	89417E109	936,480	4,000	SH		SOLE	0	0	0	4,000
UBER TECHNOLOGIES INC	COM	90353T100	372,643	4,958	SH		SOLE	0	0	0	4,958
UNITED PARCEL SERVICE INC	CL B	911312106	1,813,913	13,304	SH		SOLE	0	0	0	13,304
VALUED ADVISERS TR	REGAN FLTG RATE	92046L338	4,568,548	178,250	SH		SOLE	0	0	0	178,250
VANGUARD INDEX FDS	VALUE ETF	922908744	205,280	1,176	SH		SOLE	0	0	0	1,176
VERIZON COMMUNICATIONS INC	COM	92343V104	365,346	8,135	SH		SOLE	0	0	0	8,135
VODAFONE GROUP PLC NEW	SPONSORED ADR	92857W308	179,568	17,921	SH		SOLE	0	0	0	17,921
WALMART INC	COM	931142103	285,855	3,540	SH		SOLE	0	0	0	3,540
WARNER BROS DISCOVERY INC	COM SER A	934423104	83,226	10,088	SH		SOLE	0	0	0	10,088
WASTE MGMT INC DEL	COM	94106L109	207,600	1,000	SH		SOLE	0	0	0	1,000
WELLS FARGO CO NEW	COM	949746101	406,502	7,196	SH		SOLE	0	0	0	7,196
WILLIAMS COS INC	COM	969457100	849,547	18,610	SH		SOLE	0	0	0	18,610
ZOETIS INC	CL A	98978V103	387,634	1,984	SH		SOLE	0	0	0	1,984