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 TRADES WITH DUE BILLS COM 88579Y101   1,273 12 SH   SOLE   0 0 12
A T & T INC COM 00206R102   12,557 714 SH   SOLE   0 0 714
ABBOTT LABORATORIES COM 002824100   100,930 888 SH   SOLE   0 0 888
ABBVIE INC COM 00287Y109   217,245 1,193 SH   SOLE   0 0 1,193
ACCENTURE PLC SHS CLASS A G1151C101   33,621 97 SH   SOLE   0 0 97
ADOBE INC COM 00724F101   1,966,931 3,898 SH   SOLE   0 0 3,898
AIR PROD & CHEMICALS COM 009158106   44,820 185 SH   SOLE   0 0 185
ALCOA CORP COM 013872106   34,432 1,019 SH   SOLE   0 0 1,019
ALLBIRDS INC COM 01675A109   211 304 SH   SOLE   0 0 304
ALPHABET INC. CAP STK CL A 02079K305   6,502,366 43,082 SH   SOLE   0 0 43,082
ALPHABET INC. CAP STK CL C 02079K107   589,703 3,873 SH   SOLE   0 0 3,873
ALTRIA GROUP INC COM 02209S103   52,213 1,197 SH   SOLE   0 0 1,197
AMAZON.COM INC COM 023135106   7,541,327 41,808 SH   SOLE   0 0 41,808
AMERICAN EXPRESS CO COM 025816109   21,858 96 SH   SOLE   0 0 96
AMGEN INC. COM 031162100   171,729 604 SH   SOLE   0 0 604
APPLE INC COM 037833100   14,753,279 86,035 SH   SOLE   0 0 86,035
ARCHER-DANIELS-MIDLN COM 039483102   2,135,540 34,000 SH   SOLE   0 0 34,000
ARISTA NETWORKS INC COM 040413106   92,794 320 SH   SOLE   0 0 320
ASML HOLDING N V FSPONSORED ADR N Y REGISTERY SHS N07059210   4,049,771 4,173 SH   SOLE   0 0 4,173
ATLASSIAN CORP CL A G06242104   8,780 45 SH   SOLE   0 0 45
ATMUS FILTRATION TECHNOL COM 04956D107   26,381 818 SH   SOLE   0 0 818
AUTODESK INC COM 052769106   25,261 97 SH   SOLE   0 0 97
AXOS FINL INC COM 05465C100   27,236 504 SH   SOLE   0 0 504
BANK OF AMERICA CORP COM 060505104   182,244 4,806 SH   SOLE   0 0 4,806
BERKSHIRE HATHAWAY CL B NEW 084670702   2,999,990 7,134 SH   SOLE   0 0 7,134
BLACKROCK INC COM 09247X101   4,351,912 5,220 SH   SOLE   0 0 5,220
BLOCK INC CL A 852234103   8,289 98 SH   SOLE   0 0 98
BOEING CO COM 097023105   170,796 885 SH   SOLE   0 0 885
BRISTOL-MYERS SQUIBB COM 110122108   63,449 1,170 SH   SOLE   0 0 1,170
BROADCOM INC COM 11135F101   120,612 91 SH   SOLE   0 0 91
BROOKFIELD ASSET MGMT CL A EXCH LT VTG G16169107   23,741 565 SH   SOLE   0 0 565
BROOKFIELD BUSINESS CO CL A EXC SUB VTG 11259V106   362 15 SH   SOLE   0 0 15
BROOKFIELD BUSINESS P LP UNIT LTD L P G16234109   663 30 SH   SOLE   0 0 30
BROOKFIELD CORP CL A LTD VT SH 11271J107   94,208 2,250 SH   SOLE   0 0 2,250
BROOKFIELD REINSURANCE CL A EXCH LT VTG G16169107   627 15 SH   SOLE   0 0 15
CANOPY GROWTH CORP COM 138035100   43 5 SH   SOLE   0 0 5
CARMAX INC COM 143130102   1,966,682 22,577 SH   SOLE   0 0 22,577
CATERPILLAR INC COM 149123101   3,664 10 SH   SOLE   0 0 10
CELSIUS HOLDINGS INC COM NEW 15118V207   580 7 SH   SOLE   0 0 7
CHARLES SCHWAB CORP COM 808513105   4,503,162 62,250 SH   SOLE   0 0 62,250
CHECK PT SOFTWARE ORD M22465104   49,203 300 SH   SOLE   0 0 300
CHEVRON CORP COM 166764100   110,891 703 SH   SOLE   0 0 703
CHOICE HOTELS INTL COM 169905106   1,010,553 7,998 SH   SOLE   0 0 7,998
CHUBB LTD F COM H1467J104   3,516,912 13,572 SH   SOLE   0 0 13,572
CIRRUS LOGIC INC COM 172755100   27,768 300 SH   SOLE   0 0 300
CISCO SYSTEMS INC COM 17275R102   15,023 301 SH   SOLE   0 0 301
CITIGROUP INC COM NEW 172967424   70,070 1,108 SH   SOLE   0 0 1,108
COMCAST CORP CL A 20030N101   2,533,894 58,452 SH   SOLE   0 0 58,452
CORNING INC COM 219350105   16,480 500 SH   SOLE   0 0 500
CORTEVA INC COM 22052L104   3,806 66 SH   SOLE   0 0 66
COSTCO WHOLESALE CO COM 22160K105   3,276,325 4,472 SH   SOLE   0 0 4,472
CRH PUBLIC LIMITED CO ADR 12626K203   17,252 200 SH   SOLE   0 0 200
CROWDSTRIKE HLDGS INC CL A 22788C105   16,030 50 SH   SOLE   0 0 50
DANAHER CORP COM 235851102   1,185,920 4,749 SH   SOLE   0 0 4,749
DELL TECHNOLOGIES INC CL C 24703L202   22,822 200 SH   SOLE   0 0 200
DELTA AIR LINES INC DEL COM N EW 247361702   48,875 1,021 SH   SOLE   0 0 1,021
DEXCOM INC COM 252131107   13,870 100 SH   SOLE   0 0 100
DIAMONDBACK ENERGY COM 25278X109   793 4 SH   SOLE   0 0 4
DOW INC COM 260557103   3,823 66 SH   SOLE   0 0 66
DRAFTKINGS INC NEW COM CL A 26142V105   15,576 343 SH   SOLE   0 0 343
DUKE ENERGY CORP COM NEW 26441C204   58,815 608 SH   SOLE   0 0 608
DUPONT DE NEMOURS INC IA COM 26614N102   5,060 66 SH   SOLE   0 0 66
EDWARDS LIFESCIENCES COM 28176E108   57,336 600 SH   SOLE   0 0 600
ENSTAR GROUP LTD F SHS G3075P101   84,837 273 SH   SOLE   0 0 273
ENTERPRISE PRODS PART LP COM 293792107   2,860 98 SH   SOLE   0 0 98
FEDEX CORP COM 31428X106   339,286 1,171 SH   SOLE   0 0 1,171
FISERV INC COM 337738108   3,071,261 19,217 SH   SOLE   0 0 19,217
GARTNER INC COM 366651107   20,497 43 SH   SOLE   0 0 43
GE HEALTHCARE TECHNOLOGI COM 36266G107   64,364 708 SH   SOLE   0 0 708
GENERAL DYNAMICS CO COM 369550108   2,598,626 9,199 SH   SOLE   0 0 9,199
GENERAL ELECTRIC CO COM 369604301   2,552,382 14,541 SH   SOLE   0 0 14,541
GENERAL MILLS INC COM 370334104   95,859 1,370 SH   SOLE   0 0 1,370
GENERAL MOTORS CO COM 37045V100   12,018 265 SH   SOLE   0 0 265
GILEAD SCIENCES INC COM 375558103   21,975 300 SH   SOLE   0 0 300
GLOBE LIFE INC COM 37959E102   26,183 225 SH   SOLE   0 0 225
GOLDMAN SACHS GROUP COM 38141G104   58,059 139 SH   SOLE   0 0 139
HARLEY DAVIDSON INC COM 412822108   5,817 133 SH   SOLE   0 0 133
HOME DEPOT INC COM 437076102   920,640 2,400 SH   SOLE   0 0 2,400
HORMEL FOODS CORP COM 440452100   25,400 728 SH   SOLE   0 0 728
IBM CORP COM 459200101   21 0 SH   SOLE   0 0 0
IDEXX LABS INC COM 45168D104   14,578 27 SH   SOLE   0 0 27
INDEPENDENCE REALTY REIT COM 45378A106   582,261 36,098 SH   SOLE   0 0 36,098
INTEL CORP COM 458140100   2,209 50 SH   SOLE   0 0 50
INVESCO NASDAQ NEXT GEN 100 ETF IV NASDAQNXTGEN100 46138G631   34,691 1,200 SH   SOLE   0 0 1,200
INVSC QQQ TRUST SRS 1 ETF IV UNIT SER 1 46090E103   523,044 1,178 SH   SOLE   0 0 1,178
IQVIA HOLDINGS INC COM 46266C105   4,411,666 17,445 SH   SOLE   0 0 17,445
ISHARES BIOTECHNOLOGY ETF ISHARES BITCOIN 464287556   88,095 642 SH   SOLE   0 0 642
ISHARES CORE S&P 500 ETF CORE S&P 500 ETF 464287200   740,754 1,409 SH   SOLE   0 0 1,409
ISHARES CORE S&P MID-CAPETF CORE S&P MCP ETF 464287507   704,146 11,593 SH   SOLE   0 0 11,593
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804   196,284 1,776 SH   SOLE   0 0 1,776
ISHARES CORE S&P TOTAL US STOCK MARK CORE S&P TTL STK ETF 464587150   131,719 1,142 SH   SOLE   0 0 1,142
ISHARES CORE US AGGREGATE BOND ETF CORE US AGGBD ETF 464287226   7,737 79 SH   SOLE   0 0 79
ISHARES ESG AWARE MSCI USA ETF ESG AWR MSCI USA 46435G425   115,046 1,001 SH   SOLE   0 0 1,001
ISHARES MSCI CHINA A ETF MSCI CHINA A ETF 46434V514   6,695 258 SH   SOLE   0 0 258
ISHARES MSCI CHINA ETF MSCI CHINA ETF 46429B671   18,236 459 SH   SOLE   0 0 459
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465   5,111 64 SH   SOLE   0 0 64
ISHARES MSCI INDIA ETF MSCI INDIA ETF 46429B598   774 15 SH   SOLE   0 0 15
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614   11,797 35 SH   SOLE   0 0 35
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309   602,479 7,135 SH   SOLE   0 0 7,135
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408   475,431 2,545 SH   SOLE   0 0 2,545
ISHARES S&P SMALL CAP 600 ETF SP SMCP600VL ETF 464287879   132,971 1,294 SH   SOLE   0 0 1,294
ISHARES S&P SMLL CAP 600GRTH ETF S&P SML 600 GWT 464287887   163,674 1,252 SH   SOLE   0 0 1,252
ISHARES SELECT DIVIDEND ETF SELECT DIVIDEND ETF 464287168   123,180 1,000 SH   SOLE   0 0 1,000
JOHNSON & JOHNSON COM 478160104   2,313,139 14,623 SH   SOLE   0 0 14,623
JPMORGAN CHASE & CO COM 46625H100   5,095,031 25,437 SH   SOLE   0 0 25,437
ELI LILLY AND CO COM 532457108   4,877,031 6,269 SH   SOLE   0 0 6,269
KRANESHARES CSI CHINA INTERNET ETF CSI CHI INTERNET 500767306   788 30 SH   SOLE   0 0 30
LOCKHEED MARTIN CORP COM 539830109   2,156,994 4,742 SH   SOLE   0 0 4,742
LOWES COMPANIES INC COM 548661107   288,354 1,132 SH   SOLE   0 0 1,132
LPL FINL HLDGS COM 50212V100   6,077 23 SH   SOLE   0 0 23
LULULEMON ATHLETICA COM 550021109   10,938 28 SH   SOLE   0 0 28
MASTERCARD INC CL A 57636Q104   6,476,971 13,450 SH   SOLE   0 0 13,450
MATCH GROUP INC NEW COM 57667L107   5,152 142 SH   SOLE   0 0 142
MCDONALDS CORP COM 580135101   6,912 25 SH   SOLE   0 0 25
MEDTRONIC PLC F SHS G5960L103   9,499 109 SH   SOLE   0 0 109
MERCADOLIBRE INC COM 58733R102   15,120 10 SH   SOLE   0 0 10
MERCK & CO. INC. COM 58933Y105   324,861 2,462 SH   SOLE   0 0 2,462
META PLATFORMS INC CL A 30303M102   5,276,313 10,866 SH   SOLE   0 0 10,866
MFA FINL, INC. REIT NOTE 55272X607   1,346 118 SH   SOLE   0 0 118
MICROSOFT CORP COM 594918104   10,509,820 24,981 SH   SOLE   0 0 24,981
MOHAWK INDUSTRIES COM 608190104   35,209 269 SH   SOLE   0 0 269
MONDELEZ INTL CL A 609207105   112,490 1,607 SH   SOLE   0 0 1,607
MR COOPER GROUP INC COM 62482R107   78 1 SH   SOLE   0 0 1
MURPHY USA INC COM 626755102   25,571 61 SH   SOLE   0 0 61
NIKE INC CL B NEW 654106103   149,402 1,590 SH   SOLE   0 0 1,590
NOVO-NORDISK AS VORMAL FSPONSORED ADR SPONSORED ADR 670100205   120,696 940 SH   SOLE   0 0 940
NUCOR CORP COM 670928100   10,687 54 SH   SOLE   0 0 54
NUVEEN MUNICIPAL VALUE COM 670928100   34,448 3,955 SH   SOLE   0 0 3,955
NVIDIA CORP COM 67066G104   6,595,988 7,300 SH   SOLE   0 0 7,300
O REILLY AUTOMOTIVE COM 67103H107   18,062 16 SH   SOLE   0 0 16
OCCIDENTAL PETROL CO COM 674599105   25,281 389 SH   SOLE   0 0 389
ORACLE CORP COM 68389X105   40,572 323 SH   SOLE   0 0 323
ORION OFFICE REIT INC REIT COM 68629Y103   176 50 SH   SOLE   0 0 50
OTIS WORLDWIDE CORP COM 68902V107   1,752,016 17,649 SH   SOLE   0 0 17,649
PALO ALTO NETWORKS COM 697435105   518,253 1,824 SH   SOLE   0 0 1,824
PAYPAL HOLDINGS INCORPOR COM 70450Y103   33,026 493 SH   SOLE   0 0 493
PELOTON INTERACTIVE INC COM CL A 70614W100   1,114 260 SH   SOLE   0 0 260
PEPSICO INC COM 713448108   15,401 88 SH   SOLE   0 0 88
PERFORMANCE FOOD GROUP COM 71377A103   37,320 500 SH   SOLE   0 0 500
PFIZER INC COM 717081103   694 25 SH   SOLE   0 0 25
PHILIP MORRIS INTL COM 718172109   1,717,783 18,749 SH   SOLE   0 0 18,749
PHILLIPS 66 COM 718546104   81,670 500 SH   SOLE   0 0 500
PNC FINL SERVICES COM 693475105   78,861 488 SH   SOLE   0 0 488
PROCTER & GAMBLE COM 742718109   1,515,577 9,341 SH   SOLE   0 0 9,341
PRUDENTIAL FINL COM 744320102   11,740 100 SH   SOLE   0 0 100
REALTY INCOME CORP REIT COM 756109104   27,050 500 SH   SOLE   0 0 500
REVOLVE GROUP INC CL A 76156B107   5,949 281 SH   SOLE   0 0 281
RITHM CAPITAL CORP REIT COM NEW 64828T201   4,018 360 SH   SOLE   0 0 360
RIVIAN AUTOMOTIVE INC CL A 771049103   546 50 SH   SOLE   0 0 50
ROBLOX CORP CL A 771049103   382 10 SH   SOLE   0 0 10
SALESFORCE INC COM 79466L302   4,470,415 14,843 SH   SOLE   0 0 14,843
SEA LTD FUNSPONSORED ADR SPONSORED ADR 81141R100   6,230 116 SH   SOLE   0 0 116
SELECT SECTOR HEALTH CARE SPDR ETF SBI HEALTHCARE 81369Y209   20,978 142 SH   SOLE   0 0 142
SELECT STR FINANCIAL SELECT SPDR ETF FINANCIAL 81369Y605   20,049 476 SH   SOLE   0 0 476
SERVICE NOW INC COM 81762P102   90,726 119 SH   SOLE   0 0 119
SHOPIFY INC CL A 82509L107   16,977 220 SH   SOLE   0 0 220
SOFI TECHNOLOGIES INC NOTE 83406F102   2,482 340 SH   SOLE   0 0 340
SOLAREDGE TECH COM 83417M104   2,697 38 SH   SOLE   0 0 38
SPDR FUND CONSUMER DISCRE SELECT ETF SBI CONS DISCR 81369Y407   17,286 94 SH   SOLE   0 0 94
SPDR INDEX SHARES EMERG MARKT ETF PORTFOLIO EMG MK 78463X509   5,175 143 SH   SOLE   0 0 143
SPDR PORTFOLIO DVLPD WRLD EX-US ETF PORTFOLIO DEVLPD 78463X889   11,827 330 SH   SOLE   0 0 330
SPDR PORTFOLIO HIGH YIELD BND ETF PORTFLI HIGH YLD ETF 78468R606   1,056 45 SH   SOLE   0 0 45
SPDR S&P 500 ETF SPDR S&P 500 ETF 78468R796   1,645,055 3,145 SH   SOLE   0 0 3,145
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763   161,031 1,227 SH   SOLE   0 0 1,227
SPDR S&P MIDCAP 400 ETF UTSER1 S&PDCRP 78467Y107   471,270 847 SH   SOLE   0 0 847
STARBUCKS CORP COM 855244109   2,534,724 27,735 SH   SOLE   0 0 27,735
STATE STREET CORP COM 857477103   10,979 142 SH   SOLE   0 0 142
SYNOVUS FINL CO COM 871607107   229,023 5,717 SH   SOLE   0 0 5,717
TAIWAN SEMICONDUCTR FSPONSORED ADR SPONSORED ADR 874039100   816 6 SH   SOLE   0 0 6
TAKE TWO INTERACTV COM 874054109   9,058 61 SH   SOLE   0 0 61
TECHNOLOGY SELECT SECTORSPDR ETF TECHNOLOGY 81369Y803   44,153 212 SH   SOLE   0 0 212
THE COCA-COLA CO COM 191216100   201,772 3,298 SH   SOLE   0 0 3,298
THERMO FISHER SCNTFC COM 883556102   2,052,253 3,531 SH   SOLE   0 0 3,531
TORONTO DOMINION BANK F COM NEW 891160509   40,273 667 SH   SOLE   0 0 667
TRUIST FINL CORP COM 89832Q109   463,334 11,886 SH   SOLE   0 0 11,886
TRUMP MEDIA & TECHNOLOGY COM 25400Q105   23,669 382 SH   SOLE   0 0 382
UBER TECHNOLOGIES INC COM 90353T100   4,286,880 55,681 SH   SOLE   0 0 55,681
UNITED PARCEL SRVC CL B NEW 911312106   14,863 100 SH   SOLE   0 0 100
UNITEDHEALTH GRP INC COM 91324P102   3,050,815 6,167 SH   SOLE   0 0 6,167
VANGUARD ENERGY ETF ENERGY ETF 92204A306   522,191 3,965 SH   SOLE   0 0 3,965
VANGUARD FTSE ALL WORLD EX US ETF ALLWRLD EX US ETF 922042775   542,806 9,255 SH   SOLE   0 0 9,255
VANGUARD FTSE DEVELOPED MARKETS ETF VAN FTSE DEV MKT 921943858   9,626 192 SH   SOLE   0 0 192
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406   3,146 26 SH   SOLE   0 0 26
VANGUARD MID CAP ETF MID CAP ETF 922908629   13,243 53 SH   SOLE   0 0 53
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363   44,808,370 93,215 SH   SOLE   0 0 93,215
VANGUARD SHORT-TERM BONDETF SHORT TRM BOND 921937827   75,980 991 SH   SOLE   0 0 991
VANGUARD SMALL CAP ETF IV SMALL CP ETF 922908751   3,005,434 13,148 SH   SOLE   0 0 13,148
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MKT 921937835   832,921 11,468 SH   SOLE   0 0 11,468
VANGUARD TOTAL INTERNATLBND ETF IV TOTAL INT BD ETF 92203J407   61,635 1,253 SH   SOLE   0 0 1,253
VANGUARD TOTAL INTERNTL STOCK ETF IV VG TL INTL STK F 921909768   1,080,262 17,915 SH   SOLE   0 0 17,915
VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769   3,639 14 SH   SOLE   0 0 14
VANGUARD VALUE ETF VALUE ETF 922908744   9,446 58 SH   SOLE   0 0 58
VEEVA SYSTEMS INC CL A COM 922475108   2,683,665 11,583 SH   SOLE   0 0 11,583
VERIZON COMMUNICATN COM 92343V104   4,196 100 SH   SOLE   0 0 100
VIATRIS INC COM 92556V106   239 20 SH   SOLE   0 0 20
VIRGIN GALACTIC HLDGS IN COM 92766K106   30 20 SH   SOLE   0 0 20
VISA INC COM CL A 92826C839   5,430,749 19,459 SH   SOLE   0 0 19,459
WABTEC COM 929740108   874 6 SH   SOLE   0 0 6
WALGREENS BOOTS ALLI COM 931427108   564 26 SH   SOLE   0 0 26
WALMART INC COM 931142103   23,700 394 SH   SOLE   0 0 394
WALT DISNEY CO COM 254687106   3,623,941 29,617 SH   SOLE   0 0 29,617
WARNER BROTHERS DISCOVER COM SER A 934423104   1,344 154 SH   SOLE   0 0 154
WELLS FARGO & CO COM NEW 949746101   71,001 1,225 SH   SOLE   0 0 1,225
WISDOMTREE INDIA EARNINGS ETF INDIA ERNGS FD 97717W422   8,712 200 SH   SOLE   0 0 200
WISDOMTREE JAPAN HEDGED EQUITY ETF JAPN HEDGE EQT 97717W851   543 5 SH   SOLE   0 0 5
WOLFSPEED INC COM 977852102   1,947 66 SH   SOLE   0 0 66
WORKDAY INC CL A 98138H101   57,005 209 SH   SOLE   0 0 209
XERIS PHARMACEUTICALS IN COM 98421M106   891 403 SH   SOLE   0 0 403
ZETA GLOBAL HOLDINGS COR CL A 98956A105   130,941 11,980 SH   SOLE   0 0 11,980
ZOETIS INC CLASS A CL A 98978V103   18,275 108 SH   SOLE   0 0 108
ZOOM VIDEO COMMUNICATION CL A 98980L101   6,537 100 SH   SOLE   0 0 100