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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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
AMAZON COM INC COM Stock 023135106   741,622 7,180 SH   SOLE   7,180 0 0
ISHARES NORTH AMERICAN NATURAL RESOURCES ETF ETF 464287374   9,991,159 255,072 SH   SOLE   255,071 0 0
GLOBAL PMTS INC COM Stock 37940X102   751,763 7,143 SH   SOLE   7,143 0 0
INVESCO QQQ TRUST ETF 46090E103   210,459 656 SH   SOLE   655 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   619,949 4,105 SH   SOLE   4,105 0 0
STARBUCKS CORP COM Stock 855244109   269,714 2,590 SH   SOLE   2,590 0 0
ISHARES MSCI CANADA ETF ETF 464286509   1,090,043 31,891 SH   SOLE   31,891 0 0
ELEVANCE HEALTH INC COM Stock 036752103   285,125 620 SH   SOLE   620 0 0
TEMPLETON EMERGING MKTS FD COM CEF 880191101   2,263,956 193,501 SH   SOLE   193,500 0 0
WILLIS TOWERS WATSON PLC LTD SHS Stock G96629103   395,976 1,704 SH   SOLE   1,704 0 0
JOHNSON & JOHNSON COM Stock 478160104   496,411 3,203 SH   SOLE   3,202 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   1,191,019 5,835 SH   SOLE   5,835 0 0
INVESCO HIGH YIELD EQUITY DIVIDEND ACHIEVERS ETF ETF 46137V563   209,877 10,536 SH   SOLE   10,536 0 0
VANGUARD ENERGY ETF ETF 92204A306   2,965,674 25,962 SH   SOLE   25,962 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF 46137V134   2,594,463 64,203 SH   SOLE   64,203 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   813,534 1,637 SH   SOLE   1,637 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   1,384,368 35,083 SH   SOLE   35,082 0 0
YUM BRANDS INC COM Stock 988498101   346,216 2,621 SH   SOLE   2,621 0 0
OLD DOMINION FREIGHT LINE INC COM Stock 679580100   385,223 1,130 SH   SOLE   1,130 0 0
ISHARES LATIN AMERICA 40 ETF ETF 464287390   780,587 32,702 SH   SOLE   32,701 0 0
ISHARES GLOBAL COMM SERVICES ETF ETF 464287275   563,019 8,789 SH   SOLE   8,788 0 0
ISHARES U.S. INDUSTRIALS ETF ETF 464287754   223,346 2,230 SH   SOLE   2,229 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   942,919 6,342 SH   SOLE   6,341 0 0
COCA COLA CO COM Stock 191216100   310,469 5,005 SH   SOLE   5,005 0 0
ISHARES U.S. HEALTHCARE ETF ETF 464287762   223,716 819 SH   SOLE   819 0 0
NUVEEN CR STRATEGIES INCOME FD COM SHS CEF 67073D102   406,821 79,613 SH   SOLE   79,612 0 0
ISHARES U.S. ENERGY ETF ETF 464287796   679,163 15,524 SH   SOLE   15,523 0 0
MARRIOTT INTL INC NEW CL A Stock 571903202   348,604 2,100 SH   SOLE   2,099 0 0
VANGUARD REAL ESTATE ETF ETF 922908553   4,829,328 58,157 SH   SOLE   58,156 0 0
PAYCHEX INC COM Stock 704326107   583,389 5,091 SH   SOLE   5,091 0 0
ISHARES MSCI UNITED KINGDOM ETF ETF 46435G334   420,700 13,041 SH   SOLE   13,040 0 0
MERCK & CO INC COM Stock 58933Y105   689,138 6,477 SH   SOLE   6,477 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   437,790 1,069 SH   SOLE   1,069 0 0
MCKESSON CORP COM Stock 58155Q103   411,918 1,157 SH   SOLE   1,156 0 0
ISHARES TIPS BOND ETF ETF 464287176   10,036,221 91,031 SH   SOLE   91,031 0 0
ISHARES 1-3 YEAR INTERNATIONAL TREASURY BOND ETF ETF 464288125   1,089,763 15,519 SH   SOLE   15,519 0 0
ISHARES U.S. HOME CONSTRUCTION ETF ETF 464288752   996,994 14,184 SH   SOLE   14,184 0 0
ISHARES GLOBAL HEALTHCARE ETF ETF 464287325   1,384,863 16,613 SH   SOLE   16,613 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718   4,181,298 38,276 SH   SOLE   38,276 0 0
ISHARES COHEN & STEERS REIT ETF ETF 464287564   3,335,175 60,050 SH   SOLE   60,049 0 0
FEDEX CORP COM Stock 31428X106   245,866 1,076 SH   SOLE   1,076 0 0
PULTE GROUP INC COM Stock 745867101   251,016 4,307 SH   SOLE   4,307 0 0
PEPSICO INC COM Stock 713448108   820,092 4,499 SH   SOLE   4,498 0 0
ISHARES INTERNATIONAL TREASURY BOND ETF ETF 464288117   5,619,088 139,744 SH   SOLE   139,743 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457   2,320,819 28,248 SH   SOLE   28,247 0 0
KIMBERLY-CLARK CORP COM Stock 494368103   399,059 2,973 SH   SOLE   2,973 0 0
HOME DEPOT INC COM Stock 437076102   483,322 1,638 SH   SOLE   1,637 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   353,693 1,589 SH   SOLE   1,588 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630   1,208,676 8,821 SH   SOLE   8,821 0 0
BECTON DICKINSON & CO COM Stock 075887109   367,832 1,486 SH   SOLE   1,485 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   3,162,750 75,429 SH   SOLE   75,429 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   327,484 1,340 SH   SOLE   1,340 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   5,285,080 110,451 SH   SOLE   110,450 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   202,635 5,823 SH   SOLE   5,822 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   284,531 3,808 SH   SOLE   3,808 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   3,058,223 31,626 SH   SOLE   31,625 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   836,048 36,154 SH   SOLE   36,154 0 0
ALPHABET INC CAP STK CL A Stock 02079K305   623,314 6,009 SH   SOLE   6,009 0 0
ISHARES MSCI PACIFIC EX-JAPAN ETF ETF 464286665   232,444 5,308 SH   SOLE   5,308 0 0
INTUIT COM Stock 461202103   334,813 751 SH   SOLE   750 0 0
MICROSOFT CORP COM Stock 594918104   1,855,251 6,435 SH   SOLE   6,435 0 0
CVS HEALTH CORP COM Stock 126650100   209,460 2,819 SH   SOLE   2,818 0 0
ISHARES EUROPE ETF ETF 464287861   3,177,641 63,527 SH   SOLE   63,527 0 0
ISHARES MSCI BRAZIL ETF ETF 464286400   750,127 27,397 SH   SOLE   27,396 0 0
ROYCE MICRO-CAP TR INC COM CEF 780915104   2,318,065 264,318 SH   SOLE   264,317 0 0
BOEING CO COM Stock 097023105   570,230 2,684 SH   SOLE   2,684 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   1,065,614 5,622 SH   SOLE   5,621 0 0
VANGUARD MID-CAP ETF ETF 922908629   358,174 1,698 SH   SOLE   1,698 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504   253,032 1,061 SH   SOLE   1,061 0 0
TEMPLETON GLOBAL INCOME FD COM CEF 880198106   3,334,545 757,851 SH   SOLE   757,851 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   770,398 12,640 SH   SOLE   12,639 0 0
BLACKROCK CORE BD TR SHS BEN INT CEF 09249E101   2,315,045 213,565 SH   SOLE   213,564 0 0
CONSOLIDATED EDISON INC COM Stock 209115104   242,768 2,538 SH   SOLE   2,537 0 0
ISHARES U.S. REGIONAL BANKS ETF ETF 464288778   927,204 25,907 SH   SOLE   25,906 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   12,579,109 126,767 SH   SOLE   126,767 0 0
VANECK GOLD MINERS ETF ETF 92189F106   327,936 10,137 SH   SOLE   10,137 0 0
ISHARES MSCI EAFE GROWTH ETF ETF 464288885   235,679 2,516 SH   SOLE   2,515 0 0
LILLY ELI & CO COM Stock 532457108   342,010 996 SH   SOLE   995 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   228,615 4,141 SH   SOLE   4,140 0 0
VANGUARD S&P 500 VALUE ETF ETF 921932703   4,240,111 28,903 SH   SOLE   28,903 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   1,068,905 5,992 SH   SOLE   5,991 0 0
MICRON TECHNOLOGY INC COM Stock 595112103   225,364 3,735 SH   SOLE   3,734 0 0
AFLAC INC COM Stock 001055102   1,929,047 29,898 SH   SOLE   29,898 0 0
SYSCO CORP COM Stock 871829107   206,459 2,673 SH   SOLE   2,673 0 0
MARATHON PETE CORP COM Stock 56585A102   335,384 2,487 SH   SOLE   2,487 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   1,368,840 8,622 SH   SOLE   8,622 0 0
VANECK IG FLOATING RATE ETF ETF 92189F486   6,842,943 274,047 SH   SOLE   274,046 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877   502,093 10,346 SH   SOLE   10,346 0 0
VISA INC COM CL A Stock 92826C839   311,016 1,379 SH   SOLE   1,379 0 0
INVESCO SOLAR ETF ETF 46138G706   872,833 11,244 SH   SOLE   11,243 0 0
PIMCO ACTIVE BOND ETF ETF 72201R775   2,041,572 22,010 SH   SOLE   22,010 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   380,808 1,760 SH   SOLE   1,759 0 0
VANGUARD GROWTH ETF ETF 922908736   204,504 820 SH   SOLE   819 0 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267   667,746 28,561 SH   SOLE   28,560 0 0
ISHARES MICRO-CAP ETF ETF 464288869   1,390,423 13,304 SH   SOLE   13,304 0 0
FLAHERTY & CRUMRINE PFD SECS I COM CEF 338478100   1,922,586 138,915 SH   SOLE   138,915 0 0
ISHARES MSCI GLOBAL METALS & MINING PRODUCERS ETF ETF 46434G848   1,452,967 34,011 SH   SOLE   34,011 0 0
ISHARES MSCI GLOBAL GOLD MINERS ETF ETF 46434G855   851,843 33,844 SH   SOLE   33,843 0 0
VANGUARD RUSSELL 3000 ETF ETF 92206C599   7,305,029 39,853 SH   SOLE   39,852 0 0
D R HORTON INC COM Stock 23331A109   216,250 2,214 SH   SOLE   2,213 0 0
MARTIN MARIETTA MATLS INC COM Stock 573284106   231,927 653 SH   SOLE   653 0 0
ISHARES GLOBAL UTILITIES ETF ETF 464288711   380,781 6,300 SH   SOLE   6,300 0 0
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   207,498 726 SH   SOLE   726 0 0
NVIDIA CORPORATION COM Stock 67066G104   1,476,077 5,314 SH   SOLE   5,314 0 0
ABBVIE INC COM Stock 00287Y109   741,014 4,650 SH   SOLE   4,649 0 0
SPDR S&P BIOTECH ETF ETF 78464A870   374,572 4,915 SH   SOLE   4,915 0 0
SPDR S&P METALS & MINING ETF ETF 78464A755   1,092,919 20,559 SH   SOLE   20,559 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   21,591,108 292,444 SH   SOLE   292,443 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648   374,623 1,652 SH   SOLE   1,651 0 0
FASTENAL CO COM Stock 311900104   250,208 4,639 SH   SOLE   4,638 0 0
ISHARES GLOBAL FINANCIALS ETF ETF 464287333   394,044 5,710 SH   SOLE   5,710 0 0
MCDONALDS CORP COM Stock 580135101   302,541 1,082 SH   SOLE   1,082 0 0
CISCO SYS INC COM Stock 17275R102   527,124 10,084 SH   SOLE   10,083 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107   296,872 3,029 SH   SOLE   3,029 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   1,627,041 19,643 SH   SOLE   19,643 0 0
ISHARES U.S. CONSUMER STAPLES ETF ETF 464287812   476,683 2,393 SH   SOLE   2,392 0 0
ISHARES BIOTECHNOLOGY ETF ETF 464287556   1,367,701 10,589 SH   SOLE   10,589 0 0
ISHARES U.S. TELECOMMUNICATIONS ETF ETF 464287713   373,904 16,144 SH   SOLE   16,144 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   1,993,505 18,133 SH   SOLE   18,132 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   740,986 4,955 SH   SOLE   4,955 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704   229,577 2,269 SH   SOLE   2,268 0 0
ISHARES US FINANCIAL SERVICES ETF ETF 464287770   1,983,666 13,140 SH   SOLE   13,140 0 0
ISHARES U.S. BASIC MATERIALS ETF ETF 464287838   437,246 3,299 SH   SOLE   3,299 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408   1,571,288 10,354 SH   SOLE   10,353 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309   3,638,872 56,955 SH   SOLE   56,955 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   10,943,029 26,620 SH   SOLE   26,620 0 0
THE CIGNA GROUP COM Stock 125523100   324,104 1,268 SH   SOLE   1,268 0 0
WELLS FARGO CO NEW COM Stock 949746101   214,410 5,736 SH   SOLE   5,735 0 0
UNION PAC CORP COM Stock 907818108   232,991 1,158 SH   SOLE   1,157 0 0
CINTAS CORP COM Stock 172908105   203,095 439 SH   SOLE   438 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102   279,664 606 SH   SOLE   605 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   564,177 4,330 SH   SOLE   4,329 0 0
CHEVRON CORP NEW COM Stock 166764100   408,323 2,503 SH   SOLE   2,502 0 0
CONOCOPHILLIPS COM Stock 20825C104   480,895 4,847 SH   SOLE   4,847 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   29,027,500 642,628 SH   SOLE   642,627 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   430,134 3,281 SH   SOLE   3,281 0 0
ORACLE CORP COM Stock 68389X105   272,499 2,933 SH   SOLE   2,932 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101   361,316 3,690 SH   SOLE   3,689 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   4,297,270 106,368 SH   SOLE   106,368 0 0
TEXAS INSTRS INC COM Stock 882508104   451,016 2,425 SH   SOLE   2,424 0 0
PFIZER INC COM Stock 717081103   569,131 13,949 SH   SOLE   13,949 0 0
3M CO COM Stock 88579Y101   276,930 2,635 SH   SOLE   2,634 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   314,704 3,026 SH   SOLE   3,026 0 0
AMGEN INC COM Stock 031162100   297,032 1,229 SH   SOLE   1,228 0 0
APPLIED MATLS INC COM Stock 038222105   270,259 2,200 SH   SOLE   2,200 0 0
ISHARES CORE S&P U.S. GROWTH ETF ETF 464287671   1,563,415 17,612 SH   SOLE   17,611 0 0
ISHARES U.S. CONSUMER DISCRETIONARY ETF ETF 464287580   289,081 4,469 SH   SOLE   4,468 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273   1,332,246 22,387 SH   SOLE   22,386 0 0
ABRDN ASIA PACIFIC INCOME FUND COM CEF 003009107   1,615,566 607,355 SH   SOLE   607,355 0 0
ISHARES 7-10 YEAR TREASURY BOND ETF ETF 464287440   2,035,137 20,532 SH   SOLE   20,532 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   5,108,244 51,267 SH   SOLE   51,266 0 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432   971,123 9,130 SH   SOLE   9,129 0 0
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549   1,113,936 3,283 SH   SOLE   3,282 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   6,604,852 70,572 SH   SOLE   70,572 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   1,078,969 15,088 SH   SOLE   15,088 0 0
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   2,131,159 20,737 SH   SOLE   20,737 0 0
LAM RESEARCH CORP COM Stock 512807108   569,472 1,074 SH   SOLE   1,074 0 0
ISHARES INTERNATIONAL DEVELOPED REAL ESTATE ETF ETF 464288489   1,913,228 92,293 SH   SOLE   92,292 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105   225,371 1,773 SH   SOLE   1,773 0 0
GRAHAM HLDGS CO COM CL B Stock 384637104   259,190 435 SH   SOLE   435 0 0
ISHARES JPX-NIKKEI 400 ETF ETF 464287382   805,080 12,844 SH   SOLE   12,843 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689   52,991,048 225,101 SH   SOLE   225,101 0 0
ISHARES GLOBAL ENERGY ETF ETF 464287341   4,451,208 117,882 SH   SOLE   117,881 0 0
ALTRIA GROUP INC COM Stock 02209S103   213,217 4,779 SH   SOLE   4,778 0 0
SPDR DOUBLELINE TOTAL RETURN TACTICAL ETF ETF 78467V848   4,729,209 115,262 SH   SOLE   115,262 0 0
EXXON MOBIL CORP COM Stock 30231G102   1,096,890 10,003 SH   SOLE   10,002 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102   316,468 670 SH   SOLE   669 0 0
LOWES COS INC COM Stock 548661107   373,187 1,866 SH   SOLE   1,866 0 0
SPDR FTSE INTERNATIONAL GOVERNMENT INFLATION-PROTECTED BOND ETF ETF 78464A490   4,711,169 109,004 SH   SOLE   109,004 0 0
ISHARES MSCI AUSTRALIA ETF ETF 464286103   328,170 14,306 SH   SOLE   14,305 0 0
ISHARES U.S. PHARMACEUTICALS ETF ETF 464288836   636,129 3,629 SH   SOLE   3,629 0 0
ISHARES U.S. UTILITIES ETF ETF 464287697   1,885,522 22,524 SH   SOLE   22,524 0 0
CABLE ONE INC COM Stock 12685J105   287,820 410 SH   SOLE   410 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   1,468,956 5,872 SH   SOLE   5,872 0 0
ISHARES MSCI EAFE ETF ETF 464287465   4,164,174 58,224 SH   SOLE   58,223 0 0
APPLE INC COM Stock 037833100   6,608,486 40,076 SH   SOLE   40,075 0 0
ABBOTT LABS COM Stock 002824100   366,245 3,617 SH   SOLE   3,616 0 0
DISNEY WALT CO COM Stock 254687106   227,174 2,269 SH   SOLE   2,268 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   544,698 5,915 SH   SOLE   5,914 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622   2,608,514 11,582 SH   SOLE   11,581 0 0