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
3M CO COM Stock 88579Y101   313,931 2,618 SH   SOLE   2,617 0 0
ABBOTT LABS COM Stock 002824100   392,362 3,574 SH   SOLE   3,573 0 0
ABBVIE INC COM Stock 00287Y109   745,969 4,616 SH   SOLE   4,615 0 0
ABRDN ASIA PACIFIC INCOME FUND COM CEF 003009107   1,563,707 594,565 SH   SOLE   594,565 0 0
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   291,656 1,093 SH   SOLE   1,093 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107   226,695 3,500 SH   SOLE   3,500 0 0
AFLAC INC COM Stock 001055102   2,596,577 36,094 SH   SOLE   36,093 0 0
ALPHABET INC CAP STK CL A Stock 02079K305   1,662,783 18,846 SH   SOLE   18,846 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   1,376,995 15,519 SH   SOLE   15,518 0 0
ALTRIA GROUP INC COM Stock 02209S103   218,048 4,770 SH   SOLE   4,770 0 0
AMAZON COM INC COM Stock 023135106   557,755 6,640 SH   SOLE   6,639 0 0
AMGEN INC COM Stock 031162100   331,205 1,261 SH   SOLE   1,261 0 0
APPLE INC COM Stock 037833100   5,265,495 40,526 SH   SOLE   40,525 0 0
APPLIED MATLS INC COM Stock 038222105   213,834 2,196 SH   SOLE   2,195 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   377,552 1,581 SH   SOLE   1,580 0 0
BECTON DICKINSON & CO COM Stock 075887109   376,599 1,481 SH   SOLE   1,480 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   847,676 33,525 SH   SOLE   33,525 0 0
BLACKROCK CORE BD TR SHS BEN INT CEF 09249E101   2,060,198 198,478 SH   SOLE   198,477 0 0
BOEING CO COM Stock 097023105   511,336 2,684 SH   SOLE   2,684 0 0
CABLE ONE INC COM Stock 12685J105   291,863 410 SH   SOLE   410 0 0
CHEVRON CORP NEW COM Stock 166764100   443,147 2,469 SH   SOLE   2,468 0 0
CIGNA CORP NEW COM Stock 125523100   416,377 1,257 SH   SOLE   1,256 0 0
CINCINNATI FINL CORP COM Stock 172062101   525,447 5,132 SH   SOLE   5,131 0 0
CISCO SYS INC COM Stock 17275R102   470,729 9,881 SH   SOLE   9,880 0 0
COCA COLA CO COM Stock 191216100   311,380 4,895 SH   SOLE   4,895 0 0
CONOCOPHILLIPS COM Stock 20825C104   569,751 4,828 SH   SOLE   4,828 0 0
CONSOLIDATED EDISON INC COM Stock 209115104   241,542 2,534 SH   SOLE   2,534 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   683,429 5,291 SH   SOLE   5,291 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   282,572 3,790 SH   SOLE   3,790 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   742,557 1,627 SH   SOLE   1,626 0 0
CVS HEALTH CORP COM Stock 126650100   261,258 2,803 SH   SOLE   2,803 0 0
DISNEY WALT CO COM Stock 254687106   251,065 2,890 SH   SOLE   2,889 0 0
ELEVANCE HEALTH INC COM Stock 036752103   315,365 615 SH   SOLE   614 0 0
EMERSON ELEC CO COM Stock 291011104   695,521 7,240 SH   SOLE   7,240 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   1,635,470 18,697 SH   SOLE   18,697 0 0
EXXON MOBIL CORP COM Stock 30231G102   1,101,256 9,984 SH   SOLE   9,984 0 0
FASTENAL CO COM Stock 311900104   231,605 4,894 SH   SOLE   4,894 0 0
FLAHERTY & CRUMRINE PFD SECS I COM CEF 338478100   1,884,874 125,491 SH   SOLE   125,490 0 0
GLOBAL PMTS INC COM Stock 37940X102   709,434 7,143 SH   SOLE   7,142 0 0
GRAHAM HLDGS CO COM CL B Stock 384637104   262,831 435 SH   SOLE   435 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   287,658 2,117 SH   SOLE   2,117 0 0
HOME DEPOT INC COM Stock 437076102   510,728 1,617 SH   SOLE   1,616 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704   221,970 2,260 SH   SOLE   2,260 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   940,289 6,674 SH   SOLE   6,673 0 0
INTUIT COM Stock 461202103   289,381 743 SH   SOLE   743 0 0
INVESCO HIGH YIELD EQUITY DIVIDEND ACHIEVERS ETF ETF 46137V563   217,990 10,536 SH   SOLE   10,536 0 0
INVESCO SOLAR ETF ETF 46138G706   707,555 9,701 SH   SOLE   9,700 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF 46137V134   2,254,883 58,828 SH   SOLE   58,828 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   11,896,304 122,693 SH   SOLE   122,692 0 0
ISHARES 1-3 YEAR INTERNATIONAL TREASURY BOND ETF ETF 464288125   1,090,722 15,674 SH   SOLE   15,673 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457   2,256,836 27,804 SH   SOLE   27,803 0 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432   883,320 8,872 SH   SOLE   8,872 0 0
ISHARES 7-10 YEAR TREASURY BOND ETF ETF 464287440   1,790,937 18,698 SH   SOLE   18,698 0 0
ISHARES BIOTECHNOLOGY ETF ETF 464287556   1,382,365 10,529 SH   SOLE   10,529 0 0
ISHARES COHEN & STEERS REIT ETF ETF 464287564   2,667,223 48,636 SH   SOLE   48,636 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   10,256,303 26,695 SH   SOLE   26,694 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   1,461,297 6,041 SH   SOLE   6,041 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   3,053,944 32,269 SH   SOLE   32,269 0 0
ISHARES CORE S&P U.S. GROWTH ETF ETF 464287671   1,403,911 17,222 SH   SOLE   17,221 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   4,603,523 47,464 SH   SOLE   47,463 0 0
ISHARES EUROPE ETF ETF 464287861   2,874,379 63,466 SH   SOLE   63,466 0 0
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549   940,940 3,360 SH   SOLE   3,360 0 0
ISHARES GLOBAL COMM SERVICES ETF ETF 464287275   380,563 6,988 SH   SOLE   6,987 0 0
ISHARES GLOBAL ENERGY ETF ETF 464287341   4,349,707 111,560 SH   SOLE   111,559 0 0
ISHARES GLOBAL FINANCIALS ETF ETF 464287333   401,311 5,710 SH   SOLE   5,710 0 0
ISHARES GLOBAL HEALTHCARE ETF ETF 464287325   1,447,377 17,052 SH   SOLE   17,052 0 0
ISHARES GLOBAL UTILITIES ETF ETF 464288711   379,081 6,300 SH   SOLE   6,300 0 0
ISHARES INTERNATIONAL DEVELOPED REAL ESTATE ETF ETF 464288489   1,881,053 89,319 SH   SOLE   89,318 0 0
ISHARES INTERNATIONAL TREASURY BOND ETF ETF 464288117   5,269,898 134,608 SH   SOLE   134,607 0 0
ISHARES JPX-NIKKEI 400 ETF ETF 464287382   773,119 13,257 SH   SOLE   13,257 0 0
ISHARES LATIN AMERICA 40 ETF ETF 464287390   644,848 28,172 SH   SOLE   28,171 0 0
ISHARES MICRO-CAP ETF ETF 464288869   1,393,392 12,922 SH   SOLE   12,922 0 0
ISHARES MSCI AUSTRALIA ETF ETF 464286103   349,291 15,713 SH   SOLE   15,712 0 0
ISHARES MSCI BRAZIL ETF ETF 464286400   671,109 23,994 SH   SOLE   23,993 0 0
ISHARES MSCI CANADA ETF ETF 464286509   1,043,801 31,891 SH   SOLE   31,891 0 0
ISHARES MSCI EAFE ETF ETF 464287465   3,751,977 57,160 SH   SOLE   57,159 0 0
ISHARES MSCI EAFE GROWTH ETF ETF 464288885   210,723 2,516 SH   SOLE   2,515 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273   1,224,483 21,680 SH   SOLE   21,679 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877   474,676 10,346 SH   SOLE   10,346 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   1,343,510 35,449 SH   SOLE   35,448 0 0
ISHARES MSCI GLOBAL GOLD MINERS ETF ETF 46434G855   819,987 36,721 SH   SOLE   36,721 0 0
ISHARES MSCI GLOBAL METALS & MINING PRODUCERS ETF ETF 46434G848   1,429,810 34,873 SH   SOLE   34,873 0 0
ISHARES MSCI PACIFIC EX-JAPAN ETF ETF 464286665   227,265 5,311 SH   SOLE   5,311 0 0
ISHARES MSCI UNITED KINGDOM ETF ETF 46435G334   399,835 13,041 SH   SOLE   13,040 0 0
ISHARES NORTH AMERICAN NATURAL RESOURCES ETF ETF 464287374   10,075,433 247,797 SH   SOLE   247,797 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622   2,429,879 11,542 SH   SOLE   11,542 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   286,534 1,337 SH   SOLE   1,337 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   1,040,995 5,970 SH   SOLE   5,970 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648   353,583 1,648 SH   SOLE   1,648 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630   1,283,968 9,259 SH   SOLE   9,259 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689   48,145,826 218,170 SH   SOLE   218,170 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309   3,245,840 55,484 SH   SOLE   55,484 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408   1,495,084 10,306 SH   SOLE   10,305 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   1,027,707 15,047 SH   SOLE   15,046 0 0
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   2,106,191 20,895 SH   SOLE   20,894 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   1,916,008 17,729 SH   SOLE   17,729 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   6,415,057 70,256 SH   SOLE   70,255 0 0
ISHARES TIPS BOND ETF ETF 464287176   9,346,594 87,810 SH   SOLE   87,810 0 0
ISHARES U.S. BASIC MATERIALS ETF ETF 464287838   410,220 3,288 SH   SOLE   3,287 0 0
ISHARES U.S. CONSUMER DISCRETIONARY ETF ETF 464287580   253,995 4,459 SH   SOLE   4,459 0 0
ISHARES U.S. CONSUMER STAPLES ETF ETF 464287812   421,236 2,077 SH   SOLE   2,077 0 0
ISHARES U.S. ENERGY ETF ETF 464287796   727,121 15,640 SH   SOLE   15,640 0 0
ISHARES U.S. HEALTHCARE ETF ETF 464287762   231,775 817 SH   SOLE   816 0 0
ISHARES U.S. HOME CONSTRUCTION ETF ETF 464288752   857,893 14,155 SH   SOLE   14,155 0 0
ISHARES U.S. INDUSTRIALS ETF ETF 464287754   214,508 2,224 SH   SOLE   2,223 0 0
ISHARES U.S. PHARMACEUTICALS ETF ETF 464288836   644,948 3,465 SH   SOLE   3,465 0 0
ISHARES U.S. REGIONAL BANKS ETF ETF 464288778   880,723 18,487 SH   SOLE   18,487 0 0
ISHARES U.S. TELECOMMUNICATIONS ETF ETF 464287713   325,120 14,495 SH   SOLE   14,494 0 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267   677,169 29,805 SH   SOLE   29,804 0 0
ISHARES U.S. UTILITIES ETF ETF 464287697   1,881,782 21,745 SH   SOLE   21,744 0 0
ISHARES US FINANCIAL SERVICES ETF ETF 464287770   2,060,449 13,081 SH   SOLE   13,080 0 0
JOHNSON & JOHNSON COM Stock 478160104   561,718 3,180 SH   SOLE   3,179 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   575,322 4,290 SH   SOLE   4,290 0 0
KIMBERLY-CLARK CORP COM Stock 494368103   402,173 2,963 SH   SOLE   2,962 0 0
LAM RESEARCH CORP COM Stock 512807108   449,649 1,070 SH   SOLE   1,069 0 0
LILLY ELI & CO COM Stock 532457108   370,694 1,013 SH   SOLE   1,013 0 0
LOWES COS INC COM Stock 548661107   370,213 1,858 SH   SOLE   1,858 0 0
MARATHON PETE CORP COM Stock 56585A102   324,666 2,789 SH   SOLE   2,789 0 0
MARRIOTT INTL INC NEW CL A Stock 571903202   385,937 2,592 SH   SOLE   2,592 0 0
MARTIN MARIETTA MATLS INC COM Stock 573284106   211,289 625 SH   SOLE   625 0 0
MCDONALDS CORP COM Stock 580135101   284,121 1,078 SH   SOLE   1,078 0 0
MCKESSON CORP COM Stock 58155Q103   433,475 1,156 SH   SOLE   1,155 0 0
MERCK & CO INC COM Stock 58933Y105   715,051 6,445 SH   SOLE   6,444 0 0
MICROSOFT CORP COM Stock 594918104   1,537,777 6,412 SH   SOLE   6,412 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102   330,525 606 SH   SOLE   605 0 0
NUVEEN CR STRATEGIES INCOME FD COM SHS CEF 67073D102   339,420 66,684 SH   SOLE   66,683 0 0
NVIDIA CORPORATION COM Stock 67066G104   1,114,379 7,625 SH   SOLE   7,625 0 0
OLD DOMINION FREIGHT LINE INC COM Stock 679580100   318,364 1,122 SH   SOLE   1,121 0 0
ORACLE CORP COM Stock 68389X105   238,891 2,923 SH   SOLE   2,922 0 0
PAYCHEX INC COM Stock 704326107   587,479 5,084 SH   SOLE   5,083 0 0
PEPSICO INC COM Stock 713448108   907,276 5,022 SH   SOLE   5,022 0 0
PFIZER INC COM Stock 717081103   714,295 13,940 SH   SOLE   13,940 0 0
PIMCO ACTIVE BOND ETF ETF 72201R775   1,955,214 21,609 SH   SOLE   21,609 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105   277,538 1,757 SH   SOLE   1,757 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   1,152,613 7,605 SH   SOLE   7,604 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101   348,971 3,458 SH   SOLE   3,457 0 0
ROYCE MICRO-CAP TR INC COM CEF 780915104   2,226,566 256,517 SH   SOLE   256,516 0 0
SANDY SPRING BANCORP INC COM Stock 800363103   260,238 7,387 SH   SOLE   7,386 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   242,737 7,536 SH   SOLE   7,536 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   4,701,226 104,915 SH   SOLE   104,914 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   3,077,993 75,981 SH   SOLE   75,981 0 0
SPDR DOUBLELINE TOTAL RETURN TACTICAL ETF ETF 78467V848   4,649,563 116,123 SH   SOLE   116,122 0 0
SPDR FTSE INTERNATIONAL GOVERNMENT INFLATION-PROTECTED BOND ETF ETF 78464A490   4,411,719 107,081 SH   SOLE   107,080 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   408,125 1,067 SH   SOLE   1,067 0 0
SPDR S&P BIOTECH ETF ETF 78464A870   417,822 5,034 SH   SOLE   5,034 0 0
SPDR S&P METALS & MINING ETF ETF 78464A755   1,047,384 21,028 SH   SOLE   21,027 0 0
STARBUCKS CORP COM Stock 855244109   255,860 2,579 SH   SOLE   2,579 0 0
SYSCO CORP COM Stock 871829107   203,291 2,659 SH   SOLE   2,659 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   486,490 3,909 SH   SOLE   3,909 0 0
TEMPLETON EMERGING MKTS FD COM CEF 880191101   2,037,231 178,392 SH   SOLE   178,391 0 0
TEMPLETON GLOBAL INCOME FD COM CEF 880198106   3,112,924 718,920 SH   SOLE   718,920 0 0
TEXAS INSTRS INC COM Stock 882508104   398,185 2,410 SH   SOLE   2,410 0 0
UNION PAC CORP COM Stock 907818108   238,682 1,153 SH   SOLE   1,152 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102   350,907 662 SH   SOLE   661 0 0
VANECK GOLD MINERS ETF ETF 92189F106   253,853 8,857 SH   SOLE   8,857 0 0
VANECK IG FLOATING RATE ETF ETF 92189F486   6,584,495 264,650 SH   SOLE   264,650 0 0
VANGUARD ENERGY ETF ETF 92204A306   3,101,267 25,571 SH   SOLE   25,571 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718   3,479,528 33,844 SH   SOLE   33,844 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   25,705,730 612,479 SH   SOLE   612,478 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   4,097,009 105,105 SH   SOLE   105,105 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   698,184 12,594 SH   SOLE   12,593 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504   262,362 1,058 SH   SOLE   1,057 0 0
VANGUARD MID-CAP ETF ETF 922908629   348,567 1,710 SH   SOLE   1,710 0 0
VANGUARD MID-CAP GROWTH ETF ETF 922908538   249,875 1,390 SH   SOLE   1,390 0 0
VANGUARD REAL ESTATE ETF ETF 922908553   4,766,651 57,792 SH   SOLE   57,791 0 0
VANGUARD RUSSELL 3000 ETF ETF 92206C599   6,770,700 39,422 SH   SOLE   39,421 0 0
VANGUARD S&P 500 VALUE ETF ETF 921932703   4,097,365 29,254 SH   SOLE   29,254 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   1,373,827 8,651 SH   SOLE   8,651 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   1,091,365 5,946 SH   SOLE   5,946 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   352,337 1,757 SH   SOLE   1,756 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   20,236,944 281,695 SH   SOLE   281,694 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   213,678 4,131 SH   SOLE   4,131 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   1,258,152 6,581 SH   SOLE   6,580 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   514,763 5,972 SH   SOLE   5,972 0 0
VISA INC COM CL A Stock 92826C839   281,942 1,357 SH   SOLE   1,357 0 0
WELLS FARGO CO NEW COM Stock 949746101   233,030 5,644 SH   SOLE   5,643 0 0
WILLIS TOWERS WATSON PLC LTD SHS Stock G96629103   415,297 1,698 SH   SOLE   1,698 0 0
YUM BRANDS INC COM Stock 988498101   335,506 2,620 SH   SOLE   2,619 0 0