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
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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
ABBVIE INC COM 00287Y109 227 1,395 SH   SOLE   0 0 1,395
AMAZON COM INC COM 023135106 281 86 SH   SOLE   0 0 86
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 7,385 122,386 SH   SOLE   0 0 122,386
AMERICAN CENTY ETF TR AVANTIS SHFXDINC 025072687 2,688 56,673 SH   SOLE   0 0 56,673
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 21,566 354,359 SH   SOLE   0 0 354,359
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 697 11,037 SH   SOLE   0 0 11,037
AMERICAN CENTY ETF TR US SML CP VALU 025072877 703 8,756 SH   SOLE   0 0 8,756
AMERICAN CENTY ETF TR US EQT ETF 025072885 56,007 725,099 SH   SOLE   0 0 725,099
ANALOG DEVICES INC COM 032654105 281 1,699 SH   SOLE   0 0 1,699
APPLE INC COM 037833100 1,835 10,528 SH   SOLE   0 0 10,528
BK OF AMERICA CORP COM 060505104 711 17,389 SH   SOLE   0 0 17,389
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 518 3,312 SH   SOLE   0 0 3,312
CLOROX CO DEL COM 189054109 273 1,910 SH   SOLE   0 0 1,910
COCA COLA CO COM 191216100 482 7,664 SH   SOLE   0 0 7,664
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 376 11,908 SH   SOLE   0 0 11,908
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 223 7,860 SH   SOLE   0 0 7,860
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 3,555 72,366 SH   SOLE   0 0 72,366
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 1,247 22,113 SH   SOLE   0 0 22,113
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,851 39,635 SH   SOLE   0 0 39,635
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 8,735 315,902 SH   SOLE   0 0 315,902
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 209 6,163 SH   SOLE   0 0 6,163
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 5,080 104,963 SH   SOLE   0 0 104,963
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 596 23,673 SH   SOLE   0 0 23,673
DOMINION ENERGY INC COM 25746U109 227 2,628 SH   SOLE   0 0 2,628
FACTSET RESH SYS INC COM 303075105 495 1,154 SH   SOLE   0 0 1,154
INNOVATOR ETFS TR S&P INVT GRD PFD 45783Y822 1,748 80,368 SH   SOLE   0 0 80,368
INVESCO QQQ TR UNIT SER 1 46090E103 1,554 4,294 SH   SOLE   0 0 4,294
ISHARES TR RUS MD CP GR ETF 464287481 248 2,450 SH   SOLE   0 0 2,450
ISHARES TR PFD AND INCM SEC 464288687 647 17,884 SH   SOLE   0 0 17,884
JPMORGAN CHASE & CO COM 46625H100 297 2,196 SH   SOLE   0 0 2,196
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 3,897 76,978 SH   SOLE   0 0 76,978
JOHN HANCOCK EXCHANGE TRADED MULTIFACTR SML 47804J842 398 11,522 SH   SOLE   0 0 11,522
JOHNSON & JOHNSON COM 478160104 621 3,487 SH   SOLE   0 0 3,487
LILLY ELI & CO COM 532457108 205 699 SH   SOLE   0 0 699
LOWES COS INC COM 548661107 229 1,129 SH   SOLE   0 0 1,129
MICROSOFT CORP COM 594918104 1,011 3,267 SH   SOLE   0 0 3,267
PEPSICO INC COM 713448108 614 3,617 SH   SOLE   0 0 3,617
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 3,117 62,521 SH   SOLE   0 0 62,521
SPDR S&P 500 ETF TR TR UNIT 78462F103 809 1,786 SH   SOLE   0 0 1,786
SPDR SER TR BLOOMBERG INVT 78468R200 4,937 161,865 SH   SOLE   0 0 161,865
SCHWAB STRATEGIC TR US REIT ETF 808524847 802 31,551 SH   SOLE   0 0 31,551
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,769 35,803 SH   SOLE   0 0 35,803
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,703 28,308 SH   SOLE   0 0 28,308
SOUTHERN CO COM 842587107 248 3,353 SH   SOLE   0 0 3,353
V F CORP COM 918204108 413 7,306 SH   SOLE   0 0 7,306
VANECK ETF TRUST INVESTMENT GRD 92189F486 738 29,367 SH   SOLE   0 0 29,367
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 425 2,613 SH   SOLE   0 0 2,613
VANGUARD STAR FDS VG TL INTL STK F 921909768 836 13,851 SH   SOLE   0 0 13,851
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 1,097 3,976 SH   SOLE   0 0 3,976
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 1,038 6,859 SH   SOLE   0 0 6,859
VANGUARD BD INDEX FDS INTERMED TERM 921937819 3,301 40,586 SH   SOLE   0 0 40,586
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 10,737 138,309 SH   SOLE   0 0 138,309
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 11,530 145,631 SH   SOLE   0 0 145,631
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,223 87,153 SH   SOLE   0 0 87,153
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 546 11,055 SH   SOLE   0 0 11,055
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 749 14,313 SH   SOLE   0 0 14,313
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 753 16,024 SH   SOLE   0 0 16,024
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 2,603 12,722 SH   SOLE   0 0 12,722
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 553 6,608 SH   SOLE   0 0 6,608
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,899 56,303 SH   SOLE   0 0 56,303
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 7,167 17,215 SH   SOLE   0 0 17,215
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,579 14,296 SH   SOLE   0 0 14,296
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,091 5,088 SH   SOLE   0 0 5,088
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,430 6,255 SH   SOLE   0 0 6,255
CHUBB LIMITED COM H1467J104 663 3,062 SH   SOLE   0 0 3,062