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
AFLAC INC COM 001055102 1,081 16,786 SH   SOLE   16,786 0 0
ALPS ETF TR ALERIAN MLP 00162Q452 301 7,850 SH   SOLE   7,850 0 0
AT&T INC COM 00206R102 794 33,589 SH   SOLE   33,589 0 0
ABBOTT LABS COM 002824100 246 2,076 SH   SOLE   2,075 0 0
ABBVIE INC COM 00287Y109 613 3,779 SH   SOLE   3,779 0 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 245 5,200 SH   SOLE   5,200 0 0
ALLSTATE CORP COM 020002101 639 4,610 SH   SOLE   4,610 0 0
ALPHABET INC CAP STK CL C 02079K107 785 281 SH   SOLE   281 0 0
ALPHABET INC CAP STK CL A 02079K305 1,211 435 SH   SOLE   435 0 0
AMAZON COM INC COM 023135106 2,090 641 SH   SOLE   641 0 0
AMERICAN CAMPUS CMNTYS INC COM 024835100 265 4,730 SH   SOLE   4,730 0 0
AMERICAN EXPRESS CO COM 025816109 382 2,043 SH   SOLE   2,042 0 0
ANTHEM INC COM 036752103 272 554 SH   SOLE   554 0 0
APPLE INC COM 037833100 9,078 51,992 SH   SOLE   51,992 0 0
BK OF AMERICA CORP COM 060505104 881 21,381 SH   SOLE   21,380 0 0
BARCLAYS BANK PLC IPATH SHILR CAPE 06742A669 59,591 2,673,456 SH   SOLE   2,673,456 0 0
BAXTER INTL INC COM 071813109 330 4,261 SH   SOLE   4,261 0 0
BECTON DICKINSON & CO COM 075887109 458 1,720 SH   SOLE   1,720 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,408 15,323 SH   SOLE   15,323 0 0
BLACKROCK SCIENCE & TECHNOLO SHS BEN INT 09260K101 220 7,500 SH   SOLE   7,500 0 0
BOOKING HOLDINGS INC COM 09857L108 272 116 SH   SOLE   116 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,328 18,191 SH   SOLE   18,190 0 0
BROADCOM INC COM 11135F101 390 619 SH   SOLE   619 0 0
CHEVRON CORP NEW COM 166764100 1,987 12,205 SH   SOLE   12,204 0 0
CISCO SYS INC COM 17275R102 1,526 27,373 SH   SOLE   27,373 0 0
COCA COLA CO COM 191216100 1,639 26,438 SH   SOLE   26,437 0 0
COLGATE PALMOLIVE CO COM 194162103 652 8,600 SH   SOLE   8,600 0 0
CROSS TIMBERS RTY TR TR UNIT 22757R109 147 11,190 SH   SOLE   11,190 0 0
DEERE & CO COM 244199105 487 1,173 SH   SOLE   1,173 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 233 8,453 SH   SOLE   8,453 0 0
DISNEY WALT CO COM 254687106 465 3,387 SH   SOLE   3,387 0 0
DOW INC COM 260557103 243 3,818 SH   SOLE   3,818 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,379 11,715 SH   SOLE   11,715 0 0
EXXON MOBIL CORP COM 30231G102 1,611 19,500 SH   SOLE   19,500 0 0
META PLATFORMS INC CL A 30303M102 394 1,773 SH   SOLE   1,772 0 0
FORD MTR CO DEL COM 345370860 275 16,263 SH   SOLE   16,263 0 0
FORTINET INC COM 34959E109 239 700 SH   SOLE   700 0 0
GILEAD SCIENCES INC COM 375558103 235 3,957 SH   SOLE   3,957 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 854 26,082 SH   SOLE   26,082 0 0
GOODYEAR TIRE & RUBR CO COM 382550101 274 19,190 SH   SOLE   19,190 0 0
HOME DEPOT INC COM 437076102 2,755 9,203 SH   SOLE   9,202 0 0
INTEL CORP COM 458140100 973 19,629 SH   SOLE   19,629 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,116 8,586 SH   SOLE   8,585 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,252 3,453 SH   SOLE   3,453 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 22,911 125,422 SH   SOLE   125,421 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 473 21,720 SH   SOLE   21,720 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,249 27,673 SH   SOLE   27,673 0 0
ISHARES TR MSCI EAFE ETF 464287465 359 4,879 SH   SOLE   4,879 0 0
ISHARES TR MSCI ACWI ETF 464288257 3,151 31,582 SH   SOLE   31,582 0 0
ISHARES TR JPMORGAN USD EMG 464288281 201 2,060 SH   SOLE   2,060 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 555 7,158 SH   SOLE   7,157 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 415 3,950 SH   SOLE   3,950 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 690 5,122 SH   SOLE   5,122 0 0
ISHARES TR MSCI USA VALUE 46432F388 59,750 571,388 SH   SOLE   571,387 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 53,962 810,486 SH   SOLE   810,486 0 0
ISHARES TR CORE MSCI EAFE 46432F842 33,290 478,925 SH   SOLE   478,925 0 0
ISHARES INC CORE MSCI EMKT 46434G103 250 4,506 SH   SOLE   4,506 0 0
ISHARES TR MSCI GBL MULTIFC 46434V316 729 19,746 SH   SOLE   19,746 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 250 5,685 SH   SOLE   5,685 0 0
JPMORGAN CHASE & CO COM 46625H100 1,446 10,605 SH   SOLE   10,604 0 0
JOHNSON & JOHNSON COM 478160104 1,641 9,261 SH   SOLE   9,260 0 0
KINDER MORGAN INC DEL COM 49456B101 370 19,559 SH   SOLE   19,559 0 0
KRAFT HEINZ CO COM 500754106 347 8,821 SH   SOLE   8,821 0 0
LEGGETT & PLATT INC COM 524660107 240 6,890 SH   SOLE   6,890 0 0
LILLY ELI & CO COM 532457108 1,678 5,860 SH   SOLE   5,859 0 0
LINCOLN NATL CORP IND COM 534187109 222 3,400 SH   SOLE   3,400 0 0
LISTED FD TR CORE ALT FD 53656F847 607 19,995 SH   SOLE   19,995 0 0
LOUISIANA PAC CORP COM 546347105 248 4,000 SH   SOLE   4,000 0 0
MARATHON PETE CORP COM 56585A102 240 2,805 SH   SOLE   2,805 0 0
MCDONALDS CORP COM 580135101 223 900 SH   SOLE   900 0 0
MERCK & CO INC COM 58933Y105 564 6,868 SH   SOLE   6,868 0 0
MICROSOFT CORP COM 594918104 5,084 16,490 SH   SOLE   16,489 0 0
MID-AMER APT CMNTYS INC COM 59522J103 697 3,326 SH   SOLE   3,326 0 0
MONDELEZ INTL INC CL A 609207105 265 4,216 SH   SOLE   4,216 0 0
NETFLIX INC COM 64110L106 484 1,292 SH   SOLE   1,292 0 0
NEWMONT CORP COM 651639106 358 4,510 SH   SOLE   4,510 0 0
NEXTERA ENERGY INC COM 65339F101 392 4,627 SH   SOLE   4,627 0 0
NIKE INC CL B 654106103 475 3,528 SH   SOLE   3,527 0 0
NVIDIA CORPORATION COM 67066G104 208 764 SH   SOLE   764 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 340 496 SH   SOLE   496 0 0
ORACLE CORP COM 68389X105 568 6,864 SH   SOLE   6,864 0 0
PACER FDS TR TRENDP US MID CP 69374H204 378 10,962 SH   SOLE   10,962 0 0
PEPSICO INC COM 713448108 836 4,997 SH   SOLE   4,996 0 0
PFIZER INC COM 717081103 1,793 34,632 SH   SOLE   34,631 0 0
PHYSICIANS RLTY TR COM 71943U104 357 20,330 SH   SOLE   20,330 0 0
PROCTER AND GAMBLE CO COM 742718109 1,363 8,918 SH   SOLE   8,917 0 0
PROSHARES TR SHORT S&P 500 NE 74347B425 282 20,000 SH   SOLE   20,000 0 0
PROSHARES TR PSHS SH MSCI EAF 74347R370 200 10,700 SH   SOLE   10,700 0 0
PUBLIC STORAGE COM 74460D109 1,101 2,822 SH   SOLE   2,822 0 0
QUALCOMM INC COM 747525103 346 2,266 SH   SOLE   2,266 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100 355 15,953 SH   SOLE   15,952 0 0
S&P GLOBAL INC COM 78409V104 500 1,220 SH   SOLE   1,220 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,871 12,999 SH   SOLE   12,999 0 0
SPDR GOLD TR GOLD SHS 78463V107 634 3,509 SH   SOLE   3,509 0 0
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 217 3,000 SH   SOLE   3,000 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 469 9,949 SH   SOLE   9,949 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 374 1,078 SH   SOLE   1,078 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 64,291 131,085 SH   SOLE   131,085 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 344 7,186 SH   SOLE   7,186 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 437 9,224 SH   SOLE   9,224 0 0
SALESFORCE COM INC COM 79466L302 288 1,354 SH   SOLE   1,354 0 0
SCHWAB CHARLES CORP COM 808513105 281 3,329 SH   SOLE   3,328 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 38,790 881,001 SH   SOLE   881,000 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 39,723 743,049 SH   SOLE   743,049 0 0
SIMON PPTY GROUP INC NEW COM 828806109 246 1,872 SH   SOLE   1,872 0 0
STAG INDL INC COM 85254J102 352 8,510 SH   SOLE   8,510 0 0
3M CO COM 88579Y101 405 2,718 SH   SOLE   2,718 0 0
TRUIST FINL CORP COM 89832Q109 2,851 50,283 SH   SOLE   50,283 0 0
II-VI INC COM 902104108 518 7,150 SH   SOLE   7,150 0 0
UNION PAC CORP COM 907818108 523 1,915 SH   SOLE   1,915 0 0
UNITEDHEALTH GROUP INC COM 91324P102 501 982 SH   SOLE   982 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 225 8,353 SH   SOLE   8,353 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 327 2,017 SH   SOLE   2,017 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 480 4,272 SH   SOLE   4,272 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 275 5,375 SH   SOLE   5,375 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 27,105 218,782 SH   SOLE   218,781 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 60,767 599,936 SH   SOLE   599,935 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 369 6,400 SH   SOLE   6,400 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 25,201 546,299 SH   SOLE   546,298 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,747 4,209 SH   SOLE   4,208 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 3,030 20,505 SH   SOLE   20,505 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 609 2,676 SH   SOLE   2,676 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 854 16,769 SH   SOLE   16,769 0 0
VIATRIS INC COM 92556V106 173 15,901 SH   SOLE   15,900 0 0
VISA INC COM CL A 92826C839 684 3,082 SH   SOLE   3,082 0 0
WALMART INC COM 931142103 3,142 21,100 SH   SOLE   21,100 0 0
WELLS FARGO CO NEW COM 949746101 501 10,339 SH   SOLE   10,339 0 0
WEST PHARMACEUTICAL SVSC INC COM 955306105 1,602 3,900 SH   SOLE   3,900 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 29,621 555,741 SH   SOLE   555,740 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 1,145 35,046 SH   SOLE   35,046 0 0