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 Stock 002824100   249,269 2,193 SH   SOLE   0 0 2,193
AbbVie Inc. Stock 00287Y109   450,743 2,475 SH   SOLE   0 0 2,475
Accenture plc Stock G1151C101   242,246 699 SH   SOLE   0 0 699
Allstate Corporation Stock 020002101   694,635 4,015 SH   SOLE   0 0 4,015
Alphabet Inc. Cl A Stock 02079K305   268,957 1,782 SH   SOLE   0 0 1,782
Alphabet Inc. Cl C Stock 02079K107   683,248 4,487 SH   SOLE   0 0 4,487
Amazon.com Inc. Stock 023135106   267,323 1,482 SH   SOLE   0 0 1,482
Apple Inc. Stock 037833100   9,847,309 57,425 SH   SOLE   0 0 57,425
Armada Hoffler Properties Inc. REIT 04208T108   253,760 24,400 SH   SOLE   0 0 24,400
ASM Lithography Holdings ADR N07059210   1,003,466 1,034 SH   SOLE   0 0 1,034
AvidXchange Holdings, Inc. Stock 05368X102   251,323 19,112 SH   SOLE   0 0 19,112
Bank of America Corp. Stock 060505104   529,592 13,966 SH   SOLE   0 0 13,966
Berkshire Hathaway Inc. Stock 084670702   2,397,319 5,701 SH   SOLE   0 0 5,701
Berkshire Hathaway Inc. Stock 084670108   634,440 1 SH   SOLE   0 0 1
Cadence Bank Stock 12740C103   1,795,857 61,926 SH   SOLE   0 0 61,926
Caterpillar Inc. Stock 149123101   236,347 645 SH   SOLE   0 0 645
Chevron Corp. Stock 166764100   275,091 1,744 SH   SOLE   0 0 1,744
Cisco Systems Inc. Stock 17275R102   1,647,554 33,011 SH   SOLE   0 0 33,011
Coca-Cola Co. Stock 191216100   324,270 5,300 SH   SOLE   0 0 5,300
Costco Wholesale Corp. Stock 22160K105   1,339,732 1,829 SH   SOLE   0 0 1,829
Dimensional U.S. Core Equity 2 ETF ETF 25434V708   314,123 9,832 SH   SOLE   0 0 9,832
Discover Financial Services Stock 254709108   387,109 2,953 SH   SOLE   0 0 2,953
Duke Energy Corp. Stock 26441C204   1,047,035 10,827 SH   SOLE   0 0 10,827
Enbridge Inc. Stock 29250N105   233,177 6,445 SH   SOLE   0 0 6,445
Exxon Mobil Corp. Stock 30231G102   788,409 6,783 SH   SOLE   0 0 6,783
FactSet Research Systems Inc. Stock 303075105   227,195 500 SH   SOLE   0 0 500
Ford Motor Company Stock 345370860   313,780 23,628 SH   SOLE   0 0 23,628
General Electric Co. Stock 369604301   257,167 1,465 SH   SOLE   0 0 1,465
Global Payments Inc. Stock 37940X102   313,649 2,347 SH   SOLE   0 0 2,347
Halozyme Therapeutics, Inc. Stock 40637H109   730,206 17,950 SH   SOLE   0 0 17,950
HCA Healthcare, Inc. Stock 40412C101   420,915 1,262 SH   SOLE   0 0 1,262
Home Depot Inc. Stock 437076102   906,751 2,364 SH   SOLE   0 0 2,364
IBM Corp. Stock 459200101   372,379 1,950 SH   SOLE   0 0 1,950
Invesco FTSE RAFI US 1000 ETF ETF 46137V613   83,960,601 2,182,495 SH   SOLE   0 0 2,182,495
Invesco FTSE RAFI US 1500 Small-Mid ETF ETF 46137V597   32,488,272 827,095 SH   SOLE   0 0 827,095
Invesco S&P 500 Equal Weight Technology ETF ETF 46137V282   243,304 6,914 SH   SOLE   0 0 6,914
iShares 0-5 Year TIPS Bond ETF ETF 46429B747   989,616 9,953 SH   SOLE   0 0 9,953
iShares Cohen & Steers REIT ETF ETF 464287564   243,405 4,218 SH   SOLE   0 0 4,218
iShares Core Aggressive Allocation ETF ETF 464289859   365,032 4,969 SH   SOLE   0 0 4,969
iShares Core MSCI EAFE ETF ETF 46432F842   10,588,767 142,667 SH   SOLE   0 0 142,667
iShares Core MSCI Emerging Markets ETF ETF 46434G103   5,422,003 105,078 SH   SOLE   0 0 105,078
iShares Core MSCI Intl Developed Markets ETF ETF 46435G326   3,718,810 55,397 SH   SOLE   0 0 55,397
iShares Core S&P 500 ETF ETF 464287200   1,400,403 2,664 SH   SOLE   0 0 2,664
iShares Core U.S. Aggregate Bond ETF ETF 464287226   21,171,405 216,167 SH   SOLE   0 0 216,167
iShares Gold Trust ETF ETF 464285204   322,805 7,684 SH   SOLE   0 0 7,684
iShares MSCI EAFE ETF ETF 464287465   30,342,488 379,946 SH   SOLE   0 0 379,946
iShares MSCI Emerging Markets ETF ETF 464287234   7,360,099 179,165 SH   SOLE   0 0 179,165
iShares MSCI KLD 400 Social ETF ETF 464288570   279,028 2,768 SH   SOLE   0 0 2,768
iShares MSCI World ETF ETF 464286392   283,400 1,956 SH   SOLE   0 0 1,956
iShares Russell 1000 ETF ETF 464287622   102,682,709 356,500 SH   SOLE   0 0 356,500
iShares Russell 1000 Growth ETF ETF 464287614   8,793,129 26,089 SH   SOLE   0 0 26,089
iShares Russell 1000 Value ETF ETF 464287598   7,002,367 39,095 SH   SOLE   0 0 39,095
iShares Russell 2000 ETF ETF 464287655   10,798,848 51,350 SH   SOLE   0 0 51,350
iShares Russell 2000 Growth ETF ETF 464287648   303,419 1,120 SH   SOLE   0 0 1,120
iShares Russell 3000 ETF ETF 464287689   243,351 811 SH   SOLE   0 0 811
iShares Russell Mid-Cap ETF ETF 464287499   349,922 4,161 SH   SOLE   0 0 4,161
iShares Russell Mid-Cap Growth ETF ETF 464287481   239,922 2,102 SH   SOLE   0 0 2,102
iShares Russell Mid-Cap Value ETF ETF 464287473   313,007 2,497 SH   SOLE   0 0 2,497
iShares S&P 500 Growth ETF ETF 464287309   865,594 10,251 SH   SOLE   0 0 10,251
iShares Select Dividend ETF ETF 464287168   355,179 2,883 SH   SOLE   0 0 2,883
iShares TIPS Bond ETF ETF 464287176   27,480,092 255,843 SH   SOLE   0 0 255,843
iShares Treasury Floating Rate Bond ETF ETF 46434V860   67,618,927 1,333,970 SH   SOLE   0 0 1,333,970
iShares U.S. Healthcare ETF ETF 464287762   241,410 3,900 SH   SOLE   0 0 3,900
Johnson & Johnson Inc. Stock 478160104   495,139 3,130 SH   SOLE   0 0 3,130
JPMorgan Chase & Co. Stock 46625H100   456,830 2,281 SH   SOLE   0 0 2,281
JPMorgan Ultra-Short Income ETF ETF 46641Q837   17,910,632 355,017 SH   SOLE   0 0 355,017
Lowes Companies, Inc. Stock 548661107   5,400,403 21,201 SH   SOLE   0 0 21,201
McCormick & Company, Inc. Stock 579780107   1,083,106 13,990 SH   SOLE   0 0 13,990
McDonalds Corporation Stock 580135101   444,071 1,575 SH   SOLE   0 0 1,575
Microsoft Corp. Stock 594918104   3,138,931 7,461 SH   SOLE   0 0 7,461
Morgan Stanley Stock 617446448   612,369 6,503 SH   SOLE   0 0 6,503
Motorola Solutions Inc. Stock 620076307   554,479 1,562 SH   SOLE   0 0 1,562
Nike Inc. Stock 654106103   223,789 2,381 SH   SOLE   0 0 2,381
NVIDIA Corporation Stock 67066G104   263,720 292 SH   SOLE   0 0 292
ONEOK Inc. Stock 682680103   801,700 10,000 SH   SOLE   0 0 10,000
Oracle Corporation Stock 68389X105   238,157 1,896 SH   SOLE   0 0 1,896
Park National Corp. Stock 700658107   555,898 4,092 SH   SOLE   0 0 4,092
PepsiCo Inc. Stock 713448108   311,358 1,779 SH   SOLE   0 0 1,779
PIMCO 1-5 Year U.S. TIPS Index ETF ETF 72201R205   2,865,873 55,648 SH   SOLE   0 0 55,648
PIMCO Enhanced Short Maturity Active ETF ETF 72201R833   925,309 9,203 SH   SOLE   0 0 9,203
Procter & Gamble Co. Stock 742718109   386,305 2,381 SH   SOLE   0 0 2,381
Public Service Enterprise Group Inc. Stock 744573106   400,680 6,000 SH   SOLE   0 0 6,000
Raymond James Financial Inc. Stock 754730109   280,084 2,181 SH   SOLE   0 0 2,181
RTX Corporation Stock 75513E101   222,759 2,284 SH   SOLE   0 0 2,284
SPDR Gold Shares ETF ETF 78463V107   392,514 1,908 SH   SOLE   0 0 1,908
SPDR S&P 500 ETF ETF 78462F103   1,775,439 3,394 SH   SOLE   0 0 3,394
Target Corp. Stock 87612E106   240,230 1,356 SH   SOLE   0 0 1,356
Tesla Inc. Stock 88160R101   651,654 3,707 SH   SOLE   0 0 3,707
TowneBank Stock 89214P109   489,984 17,462 SH   SOLE   0 0 17,462
Truist Financial Corp. Stock 89832Q109   3,291,668 84,445 SH   SOLE   0 0 84,445
Union Pacific Corp. Stock 907818108   333,444 1,356 SH   SOLE   0 0 1,356
UnitedHealth Group Inc. Stock 91324P102   365,089 738 SH   SOLE   0 0 738
Vanguard ESG International Stock ETF ETF 921910725   202,718 3,527 SH   SOLE   0 0 3,527
Vanguard ESG U.S. Stock ETF ETF 921910733   1,195,786 12,832 SH   SOLE   0 0 12,832
Vanguard FTSE Developed Markets ETF ETF 921943858   76,646,134 1,527,728 SH   SOLE   0 0 1,527,728
Vanguard FTSE Emerging Markets ETF ETF 922042858   25,240,829 604,281 SH   SOLE   0 0 604,281
Vanguard Large Cap ETF ETF 922908637   225,135 939 SH   SOLE   0 0 939
Vanguard Mid-Cap Growth ETF ETF 922908538   216,691 919 SH   SOLE   0 0 919
Vanguard Russell 1000 ETF ETF 92206C730   13,385,361 56,165 SH   SOLE   0 0 56,165
Vanguard Russell 1000 Value ETF ETF 92206C714   1,277,705 16,248 SH   SOLE   0 0 16,248
Vanguard Russell 2000 ETF ETF 92206C664   1,778,406 20,908 SH   SOLE   0 0 20,908
Vanguard Russell 3000 ETF ETF 92206C599   551,355 2,367 SH   SOLE   0 0 2,367
Vanguard S&P 500 Value ETF ETF 921932703   1,447,536 8,021 SH   SOLE   0 0 8,021
Vanguard Short-Term Bond ETF ETF 921937827   37,495,553 489,051 SH   SOLE   0 0 489,051
Vanguard Short-Term Inflation-Protected Securities ETF ETF 922020805   2,204,769 46,038 SH   SOLE   0 0 46,038
Vanguard Small-Cap Value Index ETF ETF 922908611   1,160,952 6,050 SH   SOLE   0 0 6,050
Vanguard Total Bond Market ETF ETF 921937835   9,315,189 128,255 SH   SOLE   0 0 128,255
Vanguard Total Stock Market ETF ETF 922908769   2,573,925 9,904 SH   SOLE   0 0 9,904
Vanguard Total World Stock Index ETF ETF 922042742   4,817,584 43,598 SH   SOLE   0 0 43,598
Vanguard Value ETF ETF 922908744   1,624,614 9,976 SH   SOLE   0 0 9,976
Wells Fargo & Co. Stock 949746101   386,661 6,671 SH   SOLE   0 0 6,671