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   2,447,954 11,158 SH   SOLE 0 130 0 11,028
INVESCO QQQ TRUST SERIES I ETF 46090E103   217,784 426 SH   SOLE 0 0 0 426
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   2,671,655 11,490 SH   SOLE 0 56 0 11,434
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   22,945,293 918,179 SH   SOLE 0 29,989 0 888,190
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788   4,885,125 112,977 SH   SOLE 0 17,266 0 95,711
JOHNSON & JOHNSON COM Stock 478160104   1,411,780 9,762 SH   SOLE 0 2,054 0 7,708
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   286,622 989 SH   SOLE 0 0 0 989
VANGUARD ENERGY ETF ETF 92204A306   473,958 3,907 SH   SOLE 0 1,900 0 2,007
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   3,475,184 51,196 SH   SOLE 0 12,754 0 38,442
COSTCO WHSL CORP NEW COM Stock 22160K105   1,080,285 1,179 SH   SOLE 0 233 0 946
GOLDMAN SACHS GROUP INC COM Stock 38141G104   1,083,970 1,893 SH   SOLE 0 393 0 1,500
WATSCO INC COM Stock 942622200   360,630 761 SH   SOLE 0 0 0 761
ISHARES LATIN AMERICA 40 ETF ETF 464287390   648,001 30,990 SH   SOLE 0 0 0 30,990
PROCTER AND GAMBLE CO COM Stock 742718109   634,723 3,786 SH   SOLE 0 810 0 2,976
COCA COLA CO COM Stock 191216100   1,117,131 17,943 SH   SOLE 0 4,681 0 13,262
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109   251,464 6,246 SH   SOLE 0 0 0 6,246
ISHARES U.S. ENERGY ETF ETF 464287796   1,217,858 26,725 SH   SOLE 0 0 0 26,725
TRUIST FINL CORP COM Stock 89832Q109   290,559 6,698 SH   SOLE 0 500 0 6,198
UNITED PARCEL SERVICE INC CL B Stock 911312106   365,060 2,895 SH   SOLE 0 14 0 2,881
CLOROX CO DEL COM Stock 189054109   334,565 2,060 SH   SOLE 0 1,350 0 710
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   9,999,715 94,802 SH   SOLE 0 6,739 0 88,063
SPDR S&P 500 ETF TRUST ETF 78462F103   1,234,480 2,106 SH   SOLE 0 825 0 1,281
MASTERCARD INCORPORATED CL A Stock 57636Q104   258,546 491 SH   SOLE 0 0 0 491
FEDERAL SIGNAL CORP COM Stock 313855108   230,975 2,500 SH   SOLE 0 0 0 2,500
ISHARES TIPS BOND ETF ETF 464287176   15,383,476 144,378 SH   SOLE 0 4,643 0 139,735
VERTEX PHARMACEUTICALS INC COM Stock 92532F100   216,653 538 SH   SOLE 0 0 0 538
VERIZON COMMUNICATIONS INC COM Stock 92343V104   919,770 23,000 SH   SOLE 0 4,139 0 18,861
FEDEX CORP COM Stock 31428X106   381,202 1,355 SH   SOLE 0 0 0 1,355
PEPSICO INC COM Stock 713448108   901,108 5,926 SH   SOLE 0 1,152 0 4,774
KIMBERLY-CLARK CORP COM Stock 494368103   200,360 1,529 SH   SOLE 0 1,510 0 19
TRANE TECHNOLOGIES PLC SHS Stock G8994E103   206,097 558 SH   SOLE 0 298 0 260
HOME DEPOT INC COM Stock 437076102   994,647 2,557 SH   SOLE 0 1,295 0 1,262
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   416,848 1,424 SH   SOLE 0 15 0 1,409
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   1,011,690 7,354 SH   SOLE 0 74 0 7,280
SPDR GOLD SHARES ETF 78463V107   689,828 2,849 SH   SOLE 0 0 0 2,849
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   269,772 10,432 SH   SOLE 0 0 0 10,432
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   1,224,819 3,050 SH   SOLE 0 1,871 0 1,179
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   302,841 13,341 SH   SOLE 0 0 0 13,341
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   564,398 30,508 SH   SOLE 0 1,394 0 29,114
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   456,878 19,710 SH   SOLE 0 0 0 19,710
IQVIA HLDGS INC COM Stock 46266C105   368,849 1,877 SH   SOLE 0 0 0 1,877
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   578,722 5,023 SH   SOLE 0 309 0 4,713
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   2,739,171 6,043 SH   SOLE 0 320 0 5,723
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   40,334,331 1,514,620 SH   SOLE 0 75,180 0 1,439,440
ALPHABET INC CAP STK CL A Stock 02079K305   1,729,256 9,135 SH   SOLE 0 0 0 9,135
FISERV INC COM Stock 337738108   205,420 1,000 SH   SOLE 0 1,000 0 0
MICROSOFT CORP COM Stock 594918104   3,334,908 7,912 SH   SOLE 0 661 0 7,251
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404   670,600 35,000 SH   SOLE 0 35,000 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   85,789,571 357,040 SH   SOLE 0 18,179 0 338,861
VANGUARD MID-CAP ETF ETF 922908629   37,277,195 141,132 SH   SOLE 0 9,300 0 131,832
VANGUARD LARGE-CAP ETF ETF 922908637   104,726,937 388,309 SH   SOLE 0 21,673 0 366,636
NEXTERA ENERGY INC COM Stock 65339F101   506,848 7,070 SH   SOLE 0 73 0 6,997
TESLA INC COM Stock 88160R101   311,361 771 SH   SOLE 0 0 0 771
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764   354,658 6,396 SH   SOLE 0 0 0 6,396
NORFOLK SOUTHN CORP COM Stock 655844108   216,159 921 SH   SOLE 0 35 0 886
ALERIAN MLP ETF ETF 00162Q452   2,922,975 60,693 SH   SOLE 0 11,941 0 48,752
VANGUARD CONSUMER STAPLES ETF ETF 92204A207   266,127 1,259 SH   SOLE 0 500 0 759
BROOKFIELD CORP CL A LTD VT SH Stock 11271J107   351,565 6,119 SH   SOLE 0 0 0 6,119
KKR & CO INC COM Stock 48251W104   246,566 1,667 SH   SOLE 0 0 0 1,667
VANGUARD S&P 500 ETF ETF 922908363   515,641 957 SH   SOLE 0 500 0 457
UBER TECHNOLOGIES INC COM Stock 90353T100   331,519 5,496 SH   SOLE 0 0 0 5,496
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325   5,919,516 235,088 SH   SOLE 0 15,530 0 219,558
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   392,402 689 SH   SOLE 0 28 0 660
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283   17,825,768 709,060 SH   SOLE 0 46,279 0 662,781
VANECK GOLD MINERS ETF ETF 92189F106   218,143 6,433 SH   SOLE 0 0 0 6,433
AIR PRODS & CHEMS INC COM Stock 009158106   232,032 800 SH   SOLE 0 377 0 423
SP FUNDS DOW JONES GLOBAL SUKUK ETF ETF 886364702   216,421 12,138 SH   SOLE 0 0 0 12,138
ISHARES RUSSELL 2000 ETF ETF 464287655   913,670 4,135 SH   SOLE 0 1,599 0 2,536
DUKE ENERGY CORP NEW COM NEW Stock 26441C204   300,271 2,787 SH   SOLE 0 1,412 0 1,375
AFLAC INC COM Stock 001055102   207,501 2,006 SH   SOLE 0 2,000 0 6
QUANTA SVCS INC COM Stock 74762E102   908,644 2,875 SH   SOLE 0 0 0 2,875
ISHARES SELECT DIVIDEND ETF ETF 464287168   593,562 4,521 SH   SOLE 0 2,449 0 2,072
VANGUARD SMALL CAP VALUE ETF ETF 922908611   3,222,209 16,259 SH   SOLE 0 0 0 16,259
VANGUARD RUSSELL 1000 ETF ETF 92206C730   33,987,063 127,426 SH   SOLE 0 4,768 0 122,658
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284   939,144 36,714 SH   SOLE 0 0 0 36,714
VANGUARD MID-CAP GROWTH ETF ETF 922908538   1,016,523 4,006 SH   SOLE 0 0 0 4,006
XYLEM INC COM Stock 98419M100   404,098 3,483 SH   SOLE 0 3,086 0 397
VISA INC COM CL A Stock 92826C839   1,103,612 3,492 SH   SOLE 0 1,240 0 2,252
DIMENSIONAL U.S. SMALL CAP ETF ETF 25434V500   345,054 5,302 SH   SOLE 0 0 0 5,302
GOLDMAN SACHS FUTURE TECH LEADERS EQUITY ETF ETF 38149W812   19,091,211 590,836 SH   SOLE 0 28,579 0 562,257
ISHARES MSCI INDIA ETF ETF 46429B598   547,351 10,398 SH   SOLE 0 0 0 10,398
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   716,954 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE ETF ETF 922908744   19,938,461 117,770 SH   SOLE 0 371 0 117,399
VANGUARD GROWTH ETF ETF 922908736   19,968,727 48,652 SH   SOLE 0 176 0 48,476
AMERICAN TOWER CORP NEW COM REIT 03027X100   354,898 1,935 SH   SOLE 0 717 0 1,218
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   386,246 3,003 SH   SOLE 0 2,064 0 939
META PLATFORMS INC CL A Stock 30303M102   563,261 962 SH   SOLE 0 9 0 953
GLOBAL X MLP ETF ETF 37954Y343   255,301 5,167 SH   SOLE 0 5,167 0 0
PALO ALTO NETWORKS INC COM Stock 697435105   804,991 4,424 SH   SOLE 0 0 0 4,424
ALPS SECTOR DIVIDEND DOGS ETF ETF 00162Q858   1,476,933 26,135 SH   SOLE 0 3,178 0 22,957
BROADCOM INC COM Stock 11135F101   418,703 1,806 SH   SOLE 0 250 0 1,556
MARTIN MARIETTA MATLS INC COM Stock 573284106   213,315 413 SH   SOLE 0 245 0 168
NVIDIA CORPORATION COM Stock 67066G104   1,283,410 9,557 SH   SOLE 0 0 0 9,557
CUMMINS INC COM Stock 231021106   349,994 1,004 SH   SOLE 0 1,000 0 4
ABBVIE INC COM Stock 00287Y109   213,773 1,203 SH   SOLE 0 266 0 937
SPDR S&P METALS & MINING ETF ETF 78464A755   1,499,959 26,431 SH   SOLE 0 0 0 26,431
CURTISS WRIGHT CORP COM Stock 231561101   354,870 1,000 SH   SOLE 0 1,000 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648   239,178 831 SH   SOLE 0 0 0 831
JACOBS SOLUTIONS INC COM Stock 46982L108   249,602 1,868 SH   SOLE 0 0 0 1,868
STRYKER CORPORATION COM Stock 863667101   240,513 668 SH   SOLE 0 575 0 93
GENERAL DYNAMICS CORP COM Stock 369550108   239,512 909 SH   SOLE 0 513 0 396
RESMED INC COM Stock 761152107   548,856 2,400 SH   SOLE 0 1,000 0 1,400
MCDONALDS CORP COM Stock 580135101   1,087,667 3,752 SH   SOLE 0 1,521 0 2,231
GLOBAL X URANIUM ETF ETF 37954Y871   15,712,415 586,722 SH   SOLE 0 25,604 0 561,118
CISCO SYS INC COM Stock 17275R102   1,366,218 23,078 SH   SOLE 0 4,534 0 18,544
CAPITAL ONE FINL CORP COM Stock 14040H105   249,470 1,399 SH   SOLE 0 0 0 1,399
VANECK JUNIOR GOLD MINERS ETF ETF 92189F791   31,566,130 738,389 SH   SOLE 0 34,232 0 704,157
VANGUARD INTERMEDIATE-TERM TAX-EXEMPT BOND ETF ETF 922907738   7,996,422 80,455 SH   SOLE 0 3,796 0 76,659
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819   15,137,458 202,562 SH   SOLE 0 6,724 0 195,838
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101   23,161,555 798,399 SH   SOLE 0 25,722 0 772,677
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   23,349,971 172,490 SH   SOLE 0 8,953 0 163,537
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   463,283 2,065 SH   SOLE 0 21 0 2,044
INVESCO S&P ULTRA DIVIDEND REVENUE ETF ETF 46138G656   34,206,789 708,949 SH   SOLE 0 44,987 0 663,962
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402   255,636 10,723 SH   SOLE 0 0 0 10,723
LAMAR ADVERTISING CO NEW CL A REIT 512816109   231,793 1,904 SH   SOLE 0 0 0 1,904
UNION PAC CORP COM Stock 907818108   1,240,310 5,439 SH   SOLE 0 1,000 0 4,439
VANGUARD MID-CAP VALUE ETF ETF 922908512   876,308 5,417 SH   SOLE 0 0 0 5,417
JPMORGAN CHASE & CO. COM Stock 46625H100   1,662,389 6,935 SH   SOLE 0 932 0 6,003
CHEVRON CORP NEW COM Stock 166764100   898,587 6,204 SH   SOLE 0 1,326 0 4,878
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   11,825,985 110,990 SH   SOLE 0 7,557 0 103,433
MARKEL GROUP INC COM Stock 570535104   336,615 195 SH   SOLE 0 0 0 195
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   43,584,152 911,421 SH   SOLE 0 49,014 0 862,407
M & T BK CORP COM Stock 55261F104   221,852 1,180 SH   SOLE 0 0 0 1,180
TJX COS INC NEW COM Stock 872540109   392,149 3,246 SH   SOLE 0 2,000 0 1,246
BANK AMERICA CORP COM Stock 060505104   303,211 6,899 SH   SOLE 0 98 0 6,801
SPDR S&P DIVIDEND ETF ETF 78464A763   377,674 2,859 SH   SOLE 0 875 0 1,984
WALMART INC COM Stock 931142103   795,803 8,808 SH   SOLE 0 3,033 0 5,775
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448   3,705,089 135,321 SH   SOLE 0 24,434 0 110,887
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   1,299,855 5,913 SH   SOLE 0 1,114 0 4,799
ORACLE CORP COM Stock 68389X105   732,050 4,393 SH   SOLE 0 185 0 4,208
RTX CORPORATION COM Stock 75513E101   304,691 2,633 SH   SOLE 0 276 0 2,357
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   3,237,228 73,507 SH   SOLE 0 270 0 73,236
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   33,905,384 265,737 SH   SOLE 0 27,018 0 238,719
PFIZER INC COM Stock 717081103   351,018 13,231 SH   SOLE 0 1,970 0 11,261
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   7,561,067 70,770 SH   SOLE 0 2,315 0 68,455
3M CO COM Stock 88579Y101   1,272,440 9,857 SH   SOLE 0 2,277 0 7,580
CATERPILLAR INC COM Stock 149123101   1,053,455 2,904 SH   SOLE 0 1,550 0 1,354
ALPHABET INC CAP STK CL C Stock 02079K107   2,140,736 11,241 SH   SOLE 0 2,380 0 8,861
AMERICAN EXPRESS CO COM Stock 025816109   361,490 1,218 SH   SOLE 0 233 0 985
AMGEN INC COM Stock 031162100   1,006,331 3,861 SH   SOLE 0 1,049 0 2,812
APPLIED MATLS INC COM Stock 038222105   309,485 1,903 SH   SOLE 0 1,035 0 868
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM Stock 31620R303   269,584 4,802 SH   SOLE 0 0 0 4,802
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   23,178,286 239,198 SH   SOLE 0 7,812 0 231,386
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432   7,718,869 88,387 SH   SOLE 0 2,748 0 85,639
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854   336,151 4,876 SH   SOLE 0 0 0 4,876
EATON CORP PLC SHS Stock G29183103   365,057 1,100 SH   SOLE 0 14 0 1,086
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   22,936,694 211,184 SH   SOLE 0 10,921 0 200,263
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   915,574 10,069 SH   SOLE 0 0 0 10,069
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   397,373 3,180 SH   SOLE 0 0 0 3,180
WORKIVA INC COM CL A Stock 98139A105   219,000 2,000 SH   SOLE 0 0 0 2,000
PHILIP MORRIS INTL INC COM Stock 718172109   347,691 2,889 SH   SOLE 0 1,000 0 1,889
VANGUARD MEGA CAP GROWTH ETF ETF 921910816   843,072 2,455 SH   SOLE 0 2,187 0 268
VANGUARD MEGA CAP ETF ETF 921910873   2,211,877 10,401 SH   SOLE 0 0 0 10,401
SPDR DOW JONES REIT ETF ETF 78464A607   259,409 2,624 SH   SOLE 0 1,854 0 770
SPDR S&P INTERNATIONAL DIVIDEND ETF ETF 78463X772   870,714 24,906 SH   SOLE 0 16,060 0 8,846
EXXON MOBIL CORP COM Stock 30231G102   1,096,461 10,193 SH   SOLE 0 1,000 0 9,193
UNITEDHEALTH GROUP INC COM Stock 91324P102   289,352 572 SH   SOLE 0 81 0 491
LOWES COS INC COM Stock 548661107   1,192,538 4,832 SH   SOLE 0 0 0 4,832
DEERE & CO COM Stock 244199105   344,468 813 SH   SOLE 0 0 0 813
COLGATE PALMOLIVE CO COM Stock 194162103   420,550 4,626 SH   SOLE 0 2,000 0 2,626
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   3,954,097 115,854 SH   SOLE 0 18,197 0 97,657
ISHARES CORE S&P MID-CAP ETF ETF 464287507   215,593 3,460 SH   SOLE 0 0 0 3,460
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   18,540,581 369,850 SH   SOLE 0 33,378 0 336,472
ISHARES MSCI EAFE ETF ETF 464287465   14,337,682 189,627 SH   SOLE 0 991 0 188,635
APPLE INC COM Stock 037833100   5,155,397 20,587 SH   SOLE 0 3,217 0 17,370
DISNEY WALT CO COM Stock 254687106   283,274 2,544 SH   SOLE 0 375 0 2,169
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   275,138 2,342 SH   SOLE 0 0 0 2,342
BOOKING HOLDINGS INC COM Stock 09857L108   566,400 114 SH   SOLE 0 0 0 114
ISHARES RUSSELL 1000 ETF ETF 464287622   951,661 2,954 SH   SOLE 0 2,181 0 773
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   430,612 2,326 SH   SOLE 0 1,223 0 1,103