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
Abbott Laboratories COM 002824100   211,566 1,922 SH   SOLE   0 0 1,922
AbbVie Inc. COM 00287Y109   373,516 2,410 SH   SOLE   0 0 2,410
Accenture plc COM G1151C101   245,251 699 SH   SOLE   0 0 699
Allstate Corporation COM 020002101   569,019 4,065 SH   SOLE   0 0 4,065
Alphabet Inc. Cl A COM 02079K305   276,726 1,981 SH   SOLE   0 0 1,981
Alphabet Inc. Cl C COM 02079K107   690,188 4,897 SH   SOLE   0 0 4,897
Amazon.com Inc. COM 023135106   253,740 1,670 SH   SOLE   0 0 1,670
Apple Inc. COM 037833100   11,273,038 58,552 SH   SOLE   0 0 58,552
Armada Hoffler Properties Inc. COM 04208T108   301,828 24,400 SH   SOLE   0 0 24,400
ASM Lithography Holdings ADR N07059210   782,655 1,034 SH   SOLE   0 0 1,034
Bank of America Corp. COM 060505104   470,236 13,966 SH   SOLE   0 0 13,966
Berkshire Hathaway Inc. COM 084670702   2,030,767 5,694 SH   SOLE   0 0 5,694
Berkshire Hathaway Inc. COM 084670108   542,625 1 SH   SOLE   0 0 1
Cadence Bank COM 12740C103   1,832,393 61,926 SH   SOLE   0 0 61,926
Chevron Corp. COM 166764100   260,109 1,744 SH   SOLE   0 0 1,744
Cisco Systems Inc. COM 17275R102   1,662,032 32,899 SH   SOLE   0 0 32,899
Coca-Cola Co. COM 191216100   359,547 6,101 SH   SOLE   0 0 6,101
Costco Wholesale Corp. COM 22160K105   1,207,063 1,829 SH   SOLE   0 0 1,829
Dimensional U.S. Core Equity 2 ETF COM 25434V708   287,381 9,832 SH   SOLE   0 0 9,832
Discover Financial Services COM 254709108   331,917 2,953 SH   SOLE   0 0 2,953
Duke Energy Corp. COM 26441C204   1,049,459 10,815 SH   SOLE   0 0 10,815
Enbridge Inc. COM 29250N105   235,876 6,548 SH   SOLE   0 0 6,548
Exxon Mobil Corp. COM 30231G102   676,550 6,767 SH   SOLE   0 0 6,767
FactSet Research Systems Inc. COM 303075105   238,525 500 SH   SOLE   0 0 500
Ford Motor Company COM 345370860   282,118 23,143 SH   SOLE   0 0 23,143
Global Payments Inc. COM 37940X102   298,021 2,347 SH   SOLE   0 0 2,347
Halozyme Therapeutics, Inc. COM 40637H109   663,432 17,950 SH   SOLE   0 0 17,950
Home Depot Inc. COM 437076102   783,478 2,261 SH   SOLE   0 0 2,261
IBM Corp. COM 459200101   318,929 1,950 SH   SOLE   0 0 1,950
Invesco FTSE RAFI US 1000 ETF COM 46137V613   77,478,268 2,201,087 SH   SOLE   0 0 2,201,087
Invesco FTSE RAFI US 1500 Small-Mid ETF COM 46137V597   30,437,467 811,882 SH   SOLE   0 0 811,882
Invesco QQQ ETF COM 46090E103   300,997 735 SH   SOLE   0 0 735
Invesco S&P 500 Equal Weight Technology ETF COM 46137V282   244,343 7,486 SH   SOLE   0 0 7,486
iShares 0-5 Year TIPS Bond ETF COM 46429B747   1,632,851 16,562 SH   SOLE   0 0 16,562
iShares Cohen & Steers REIT ETF COM 464287564   247,323 4,211 SH   SOLE   0 0 4,211
iShares Core Aggressive Allocation ETF COM 464289859   304,601 4,411 SH   SOLE   0 0 4,411
iShares Core MSCI EAFE ETF COM 46432F842   10,704,134 152,155 SH   SOLE   0 0 152,155
iShares Core MSCI Emerging Markets ETF COM 46434G103   6,520,442 128,913 SH   SOLE   0 0 128,913
iShares Core MSCI Intl Developed Markets ETF COM 46435G326   3,609,422 56,698 SH   SOLE   0 0 56,698
iShares Core S&P 500 ETF COM 464287200   1,308,321 2,739 SH   SOLE   0 0 2,739
iShares Core U.S. Aggregate Bond ETF COM 464287226   18,317,073 184,555 SH   SOLE   0 0 184,555
iShares Gold Trust ETF COM 464285204   333,746 8,551 SH   SOLE   0 0 8,551
iShares MSCI EAFE ETF COM 464287465   28,923,209 383,851 SH   SOLE   0 0 383,851
iShares MSCI Emerging Markets ETF COM 464287234   7,324,434 182,155 SH   SOLE   0 0 182,155
iShares MSCI KLD 400 Social ETF COM 464288570   251,884 2,766 SH   SOLE   0 0 2,766
iShares MSCI World ETF COM 464286392   260,147 1,956 SH   SOLE   0 0 1,956
iShares Russell 1000 ETF COM 464287622   93,955,997 358,255 SH   SOLE   0 0 358,255
iShares Russell 1000 Growth ETF COM 464287614   7,930,662 26,159 SH   SOLE   0 0 26,159
iShares Russell 1000 Value ETF COM 464287598   6,441,338 38,979 SH   SOLE   0 0 38,979
iShares Russell 2000 ETF COM 464287655   10,290,275 51,269 SH   SOLE   0 0 51,269
iShares Russell 2000 Growth ETF COM 464287648   282,601 1,120 SH   SOLE   0 0 1,120
iShares Russell 3000 ETF COM 464287689   221,991 811 SH   SOLE   0 0 811
iShares Russell Mid-Cap ETF COM 464287499   323,456 4,161 SH   SOLE   0 0 4,161
iShares Russell Mid-Cap Value ETF COM 464287473   290,430 2,497 SH   SOLE   0 0 2,497
iShares S&P 500 Growth ETF COM 464287309   747,696 9,956 SH   SOLE   0 0 9,956
iShares Select Dividend ETF COM 464287168   348,778 2,975 SH   SOLE   0 0 2,975
iShares TIPS Bond ETF COM 464287176   26,780,764 249,147 SH   SOLE   0 0 249,147
iShares Treasury Floating Rate Bond ETF COM 46434V860   63,350,579 1,255,213 SH   SOLE   0 0 1,255,213
iShares U.S. Healthcare ETF COM 464287762   216,397 756 SH   SOLE   0 0 756
Johnson & Johnson Inc. COM 478160104   490,601 3,130 SH   SOLE   0 0 3,130
JPMorgan Chase & Co. COM 46625H100   352,739 2,074 SH   SOLE   0 0 2,074
JPMorgan Ultra-Short Income ETF COM 46641Q837   17,029,040 339,021 SH   SOLE   0 0 339,021
Live Oak Bancshares, Inc. COM 53803X105   210,687 4,630 SH   SOLE   0 0 4,630
Lowes Companies, Inc. COM 548661107   4,718,171 21,201 SH   SOLE   0 0 21,201
McDonalds Corporation COM 580135101   348,399 1,175 SH   SOLE   0 0 1,175
Microsoft Corp. COM 594918104   2,793,170 7,428 SH   SOLE   0 0 7,428
Morgan Stanley COM 617446448   605,071 6,489 SH   SOLE   0 0 6,489
Motorola Solutions Inc. COM 620076307   489,047 1,562 SH   SOLE   0 0 1,562
Nike Inc. COM 654106103   258,036 2,377 SH   SOLE   0 0 2,377
NVIDIA Corporation COM 67066G104   213,870 432 SH   SOLE   0 0 432
ONEOK Inc. COM 682680103   702,200 10,000 SH   SOLE   0 0 10,000
Park National Corp. COM 700658107   543,663 4,092 SH   SOLE   0 0 4,092
PepsiCo Inc. COM 713448108   291,800 1,718 SH   SOLE   0 0 1,718
PIMCO 1-5 Year U.S. TIPS Index ETF COM 72201R205   1,813,955 35,463 SH   SOLE   0 0 35,463
PIMCO Enhanced Short Maturity Active ETF COM 72201R833   1,769,942 17,737 SH   SOLE   0 0 17,737
Procter & Gamble Co. COM 742718109   347,984 2,375 SH   SOLE   0 0 2,375
Public Service Enterprise Group Inc. COM 744573106   366,900 6,000 SH   SOLE   0 0 6,000
Raymond James Financial Inc. COM 754730109   243,182 2,181 SH   SOLE   0 0 2,181
SPDR Gold Shares ETF COM 78463V107   364,752 1,908 SH   SOLE   0 0 1,908
SPDR S&P 500 ETF COM 78462F103   544,521 1,146 SH   SOLE   0 0 1,146
Tesla Inc. COM 88160R101   980,751 3,947 SH   SOLE   0 0 3,947
TowneBank COM 89214P109   519,669 17,462 SH   SOLE   0 0 17,462
Truist Financial Corp. COM 89832Q109   3,117,711 84,445 SH   SOLE   0 0 84,445
Union Pacific Corp. COM 907818108   327,620 1,334 SH   SOLE   0 0 1,334
UnitedHealth Group Inc. COM 91324P102   377,479 717 SH   SOLE   0 0 717
Vanguard ESG U.S. Stock ETF COM 921910733   1,010,480 11,880 SH   SOLE   0 0 11,880
Vanguard FTSE Developed Markets ETF COM 921943858   72,360,217 1,510,652 SH   SOLE   0 0 1,510,652
Vanguard FTSE Emerging Markets ETF COM 922042858   26,265,248 639,057 SH   SOLE   0 0 639,057
Vanguard Large Cap ETF COM 922908637   204,843 939 SH   SOLE   0 0 939
Vanguard Mid-Cap Growth ETF COM 922908538   201,785 919 SH   SOLE   0 0 919
Vanguard Russell 1000 ETF COM 92206C730   11,435,914 52,715 SH   SOLE   0 0 52,715
Vanguard Russell 1000 Value ETF COM 92206C714   1,177,090 16,227 SH   SOLE   0 0 16,227
Vanguard Russell 2000 ETF COM 92206C664   1,675,914 20,665 SH   SOLE   0 0 20,665
Vanguard Russell 3000 ETF COM 92206C599   503,426 2,365 SH   SOLE   0 0 2,365
Vanguard S&P 500 Value ETF COM 921932703   1,342,332 7,992 SH   SOLE   0 0 7,992
Vanguard Short-Term Bond ETF COM 921937827   34,771,851 451,465 SH   SOLE   0 0 451,465
Vanguard Short-Term Inflation-Protected Securities ETF COM 922020805   2,174,947 45,798 SH   SOLE   0 0 45,798
Vanguard Small-Cap Value Index ETF COM 922908611   1,108,719 6,161 SH   SOLE   0 0 6,161
Vanguard Total Bond Market ETF COM 921937835   8,404,396 114,268 SH   SOLE   0 0 114,268
Vanguard Total Stock Market ETF COM 922908769   2,401,683 10,124 SH   SOLE   0 0 10,124
Vanguard Total World Stock Index ETF COM 922042742   4,773,858 46,402 SH   SOLE   0 0 46,402
Vanguard Value ETF COM 922908744   1,490,189 9,968 SH   SOLE   0 0 9,968
Wells Fargo & Co. COM 949746101   328,355 6,671 SH   SOLE   0 0 6,671