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
AMAZON COM INC COM 023135106 514 4,545 SH   SOLE 1 0 0 4,545
APPLE INC COM 037833100 542 3,923 SH   SOLE 1 0 0 3,923
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 223 10,028 SH   SOLE 1 0 0 10,028
DUKE ENERGY CORP NEW COM NEW 26441C204 482 5,184 SH   SOLE 1 0 0 5,184
GENUINE PARTS CO COM 372460105 232 1,554 SH   SOLE 1 0 0 1,554
HOME DEPOT INC COM 437076102 621 2,250 SH   SOLE 1 0 0 2,250
INVESCO EXCH TRADED FD TR II GBL SRT TRM HY 46138E669 213 11,221 SH   SOLE 1 0 0 11,221
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 1,286 108,235 SH   SOLE 1 0 0 108,235
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 3,877 192,036 SH   SOLE 1 0 0 192,036
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 2,306 105,276 SH   SOLE 1 0 0 105,276
ISHARES INC JP MRGN EM HI BD 464286285 335 10,342 SH   SOLE 1 0 0 10,342
ISHARES TR 0-5YR HI YL CP 46434V407 647 16,210 SH   SOLE 1 0 0 16,210
ISHARES TR BROAD USD HIGH 46435U853 7,868 234,035 SH   SOLE 1 0 0 234,035
ISHARES TR CMBS ETF 46429B366 286 6,248 SH   SOLE 1 0 0 6,248
ISHARES TR CONV BD ETF 46435G102 1,697 24,636 SH   SOLE 1 0 0 24,636
ISHARES TR CRE U S REIT ETF 464288521 1,913 40,280 SH   SOLE 1 0 0 40,280
ISHARES TR JPMORGAN USD EMG 464288281 3,440 43,322 SH   SOLE 1 0 0 43,322
ISHARES TR MSCI USA MMENTM 46432F396 333 2,536 SH   SOLE 1 0 0 2,536
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 725 14,456 SH   SOLE 1 0 0 14,456
JOUNCE THERAPEUTICS INC COM 481116101 28 12,005 SH   SOLE 1 0 0 12,005
LOWES COS INC COM 548661107 310 1,650 SH   SOLE 1 0 0 1,650
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,605 93,879 SH   SOLE 1 0 0 93,879
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 618 12,578 SH   SOLE 1 0 0 12,578
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 6,902 114,022 SH   SOLE 1 0 0 114,022
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,004 158,839 SH   SOLE 1 0 0 158,839
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,903 56,041 SH   SOLE 1 0 0 56,041
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 617 12,881 SH   SOLE 1 0 0 12,881
SELECT SECTOR SPDR TR ENERGY 81369Y506 205 2,849 SH   SOLE 1 0 0 2,849
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 580 19,120 SH   SOLE 1 0 0 19,120
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 941 6,605 SH   SOLE 1 0 0 6,605
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 256 3,839 SH   SOLE 1 0 0 3,839
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 915 7,555 SH   SOLE 1 0 0 7,555
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 556 6,706 SH   SOLE 1 0 0 6,706
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 2,134 17,963 SH   SOLE 1 0 0 17,963
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,265 204,053 SH   SOLE 1 0 0 204,053
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,801 90,230 SH   SOLE 1 0 0 90,230
SPDR SER TR BBG CONV SEC ETF 78464A359 846 13,368 SH   SOLE 1 0 0 13,368
SPDR SER TR BLOOMBERG INVT 78468R200 383 12,628 SH   SOLE 1 0 0 12,628
SPDR SER TR PORTFOLIO AGRGTE 78464A649 277 11,086 SH   SOLE 1 0 0 11,086
SPDR SER TR PORTFOLIO LN COR 78464A367 1,914 88,013 SH   SOLE 1 0 0 88,013
SPDR SER TR PORTFOLIO LN TSR 78464A664 1,117 37,687 SH   SOLE 1 0 0 37,687
SPDR SER TR PORTFOLIO S&P400 78464A847 248 6,428 SH   SOLE 1 0 0 6,428
SPDR SER TR PORTFOLIO S&P500 78464A854 407 9,684 SH   SOLE 1 0 0 9,684
SPDR SER TR PORTFOLIO SH TSR 78468R101 2,952 102,095 SH   SOLE 1 0 0 102,095
SPDR SER TR PRTFLO S&P500 GW 78464A409 11,494 229,415 SH   SOLE 1 0 0 229,415
SPDR SER TR PRTFLO S&P500 VL 78464A508 8,313 241,022 SH   SOLE 1 0 0 241,022
TRUIST FINL CORP COM 89832Q109 283 6,494 SH   SOLE 1 0 0 6,494
UNITEDHEALTH GROUP INC COM 91324P102 282 558 SH   SOLE 1 0 0 558
VANGUARD INDEX FDS GROWTH ETF 922908736 851 3,978 SH   SOLE 1 0 0 3,978
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 221 2,807 SH   SOLE 1 0 0 2,807
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 627 8,281 SH   SOLE 1 0 0 8,281
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 3,515 47,995 SH   SOLE 1 0 0 47,995
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 1,901 30,207 SH   SOLE 1 0 0 30,207
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 3,970 88,038 SH   SOLE 1 0 0 88,038
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 3,968 68,663 SH   SOLE 1 0 0 68,663
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,384 85,948 SH   SOLE 1 0 0 85,948
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 313 2,319 SH   SOLE 1 0 0 2,319
VANGUARD WORLD FDS INF TECH ETF 92204A702 988 3,214 SH   SOLE 1 0 0 3,214