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
3M Company COM 88579Y101 913 6,685 SH   SOLE   0 0 6,685
Allstate Corporation COM 020002101 316 3,440 SH   SOLE   0 0 3,440
Alphabet Inc. Cl A COM 02079K305 365 314 SH   SOLE   0 0 314
Alphabet Inc. Cl C COM 02079K107 397 341 SH   SOLE   0 0 341
Apple Inc. COM 037833100 3,585 14,100 SH   SOLE   0 0 14,100
AT&T Inc. COM 00206R102 316 10,824 SH   SOLE   0 0 10,824
BancorpSouth, Inc. COM 05971J102 1,071 56,597 SH   SOLE   0 0 56,597
Bank of America Corp. COM 060505104 398 18,764 SH   SOLE   0 0 18,764
Berkshire Hathaway Inc. COM 084670702 905 4,950 SH   SOLE   0 0 4,950
Cisco Systems Inc. COM 17275R102 306 7,779 SH   SOLE   0 0 7,779
Coca-Cola Co. COM 191216100 609 13,754 SH   SOLE   0 0 13,754
Duke Energy Corp. COM 26441C204 889 10,998 SH   SOLE   0 0 10,998
Eli Lilly & Co. COM 532457108 265 1,909 SH   SOLE   0 0 1,909
Enbridge Inc. COM 29250N105 223 7,661 SH   SOLE   0 0 7,661
Exxon Mobil Corp. COM 30231G102 333 8,780 SH   SOLE   0 0 8,780
Facebook Inc. COM 30303M102 672 4,028 SH   SOLE   0 0 4,028
Global Payments Inc. COM 37940X102 338 2,345 SH   SOLE   0 0 2,345
Halozyme Therapeutics, Inc. COM 40637H109 323 17,950 SH   SOLE   0 0 17,950
Home Depot Inc. COM 437076102 396 2,122 SH   SOLE   0 0 2,122
IBM Corp. COM 459200101 367 3,309 SH   SOLE   0 0 3,309
Intel Corp. COM 458140100 672 12,423 SH   SOLE   0 0 12,423
Invesco FTSE RAFI US 1000 ETF COM 46137V613 36,264 392,297 SH   SOLE   0 0 392,297
Invesco FTSE RAFI US 1500 Small-Mid ETF COM 46137V597 7,534 84,230 SH   SOLE   0 0 84,230
iShares 0-5 Year TIPS Bond ETF COM 46429B747 9,260 92,691 SH   SOLE   0 0 92,691
iShares China Large-Cap ETF COM 464287184 344 9,173 SH   SOLE   0 0 9,173
iShares Cohen & Steers REIT ETF COM 464287564 467 5,103 SH   SOLE   0 0 5,103
iShares Core Growth Allocation ETF COM 464289867 381 9,206 SH   SOLE   0 0 9,206
iShares Core S&P 500 ETF COM 464287200 700 2,708 SH   SOLE   0 0 2,708
iShares Core U.S. Aggregate Bond ETF COM 464287226 423 3,666 SH   SOLE   0 0 3,666
iShares ESG MSCI EM ETF COM 46434G863 254 9,293 SH   SOLE   0 0 9,293
iShares Gold Trust ETF COM 464285105 237 15,737 SH   SOLE   0 0 15,737
iShares MSCI EAFE ETF COM 464287465 27,656 517,312 SH   SOLE   0 0 517,312
iShares MSCI Emerging Markets ETF COM 464287234 10,144 297,205 SH   SOLE   0 0 297,205
iShares MSCI KLD 400 Social ETF COM 464288570 766 7,870 SH   SOLE   0 0 7,870
iShares Russell 1000 ETF COM 464287622 43,801 309,480 SH   SOLE   0 0 309,480
iShares Russell 1000 Growth ETF COM 464287614 4,600 30,535 SH   SOLE   0 0 30,535
iShares Russell 1000 Value ETF COM 464287598 3,360 33,881 SH   SOLE   0 0 33,881
iShares Russell 2000 ETF COM 464287655 5,353 46,763 SH   SOLE   0 0 46,763
iShares S&P 500 Growth ETF COM 464287309 458 2,774 SH   SOLE   0 0 2,774
iShares Select Dividend ETF COM 464287168 247 3,355 SH   SOLE   0 0 3,355
iShares Treasury Floating Rate Bond ETF COM 46434V860 33,468 665,104 SH   SOLE   0 0 665,104
Johnson & Johnson Inc. COM 478160104 608 4,639 SH   SOLE   0 0 4,639
JPMorgan Chase & Co. COM 46625H100 361 4,007 SH   SOLE   0 0 4,007
JPMorgan Ultra-Short Income ETF COM 46641Q837 1,954 39,335 SH   SOLE   0 0 39,335
Lockheed Martin Corp. COM 539830109 946 2,792 SH   SOLE   0 0 2,792
Lowes Companies, Inc. COM 548661107 2,470 28,704 SH   SOLE   0 0 28,704
McDonalds Corporation COM 580135101 846 5,119 SH   SOLE   0 0 5,119
Merck & Co. Inc. COM 58933Y105 233 3,030 SH   SOLE   0 0 3,030
Microsoft Corp. COM 594918104 1,561 9,901 SH   SOLE   0 0 9,901
ONE Gas, Inc. COM 68235P108 209 2,500 SH   SOLE   0 0 2,500
ONEOK Inc. COM 682680103 218 10,000 SH   SOLE   0 0 10,000
Park National Corp. COM 700658107 318 4,092 SH   SOLE   0 0 4,092
PepsiCo Inc. COM 713448108 581 4,838 SH   SOLE   0 0 4,838
PIMCO 1-5 Year U.S. TIPS Index ETF COM 72201R205 1,436 27,774 SH   SOLE   0 0 27,774
PIMCO Enhanced Short Maturity Active ETF COM 72201R833 3,691 37,290 SH   SOLE   0 0 37,290
Procter & Gamble Co. COM 742718109 639 5,808 SH   SOLE   0 0 5,808
Public Service Enterprise Group Inc. COM 744573106 269 6,000 SH   SOLE   0 0 6,000
Sonoco Products Co. COM 835495102 329 7,102 SH   SOLE   0 0 7,102
South State Corporation COM 840441109 331 5,630 SH   SOLE   0 0 5,630
TowneBank COM 89214P109 322 17,821 SH   SOLE   0 0 17,821
Truist Financial Corp. COM 89832Q109 2,365 76,700 SH   SOLE   0 0 76,700
Vanguard FTSE Developed Markets ETF COM 921943858 28,173 845,013 SH   SOLE   0 0 845,013
Vanguard FTSE Emerging Markets ETF COM 922042858 16,175 482,130 SH   SOLE   0 0 482,130
Vanguard Russell 1000 ETF COM 92206C730 969 8,262 SH   SOLE   0 0 8,262
Vanguard Russell 2000 ETF COM 92206C664 332 3,598 SH   SOLE   0 0 3,598
Vanguard Russell 3000 ETF COM 92206C599 304 2,643 SH   SOLE   0 0 2,643
Vanguard Short-Term Bond ETF COM 921937827 15,702 191,063 SH   SOLE   0 0 191,063
Vanguard Total Bond Market ETF COM 921937835 1,625 19,034 SH   SOLE   0 0 19,034
Vanguard Total Stock Market ETF COM 922908769 1,931 14,982 SH   SOLE   0 0 14,982
Vanguard Total World Stock Index ETF COM 922042742 16,220 258,288 SH   SOLE   0 0 258,288
Wal-Mart Stores, Inc. COM 931142103 449 3,950 SH   SOLE   0 0 3,950
Wells Fargo & Co. COM 949746101 487 16,954 SH   SOLE   0 0 16,954
Williams Companies, Inc. COM 969457100 142 10,001 SH   SOLE   0 0 10,001
Worthington Industries COM 981811102 999 38,042 SH   SOLE   0 0 38,042