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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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 COM 88579Y101   205,663 1,715 SH   SOLE   0 0 1,715
ABBOTT LABS COM 002824100   241,758 2,202 SH   SOLE   0 0 2,202
ABBVIE INC COM 00287Y109   458,811 2,839 SH   SOLE   0 0 2,839
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   393,856 1,476 SH   SOLE   0 0 1,476
ADOBE SYSTEMS INCORPORATED COM 00724F101   300,858 894 SH   SOLE   0 0 894
ALPHABET INC CAP STK CL A 02079K305   700,546 7,940 SH   SOLE   0 0 7,940
ALPHABET INC CAP STK CL C 02079K107   387,750 4,370 SH   SOLE   0 0 4,370
AMAZON COM INC COM 023135106   774,480 9,220 SH   SOLE   0 0 9,220
APPLE INC COM 037833100   3,009,958 23,166 SH   SOLE   0 0 23,166
AT&T INC COM 00206R102   242,023 13,146 SH   SOLE   0 0 13,146
BANK AMERICA CORP COM 060505104   341,335 10,306 SH   SOLE   0 0 10,306
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,063,234 3,442 SH   SOLE   0 0 3,442
BOEING CO COM 097023105   201,157 1,056 SH   SOLE   0 0 1,056
BROADCOM INC COM 11135F101   218,620 391 SH   SOLE   0 0 391
CHEVRON CORP NEW COM 166764100   236,568 1,318 SH   SOLE   0 0 1,318
CHURCH & DWIGHT CO INC COM 171340102   560,320 6,951 SH   SOLE   0 0 6,951
CISCO SYS INC COM 17275R102   641,187 13,459 SH   SOLE   0 0 13,459
COCA COLA CO COM 191216100   333,705 5,246 SH   SOLE   0 0 5,246
COMCAST CORP NEW CL A 20030N101   238,565 6,822 SH   SOLE   0 0 6,822
COSTCO WHSL CORP NEW COM 22160K105   962,302 2,108 SH   SOLE   0 0 2,108
CSX CORP COM 126408103   209,022 6,747 SH   SOLE   0 0 6,747
DICKS SPORTING GOODS INC COM 253393102   247,437 2,057 SH   SOLE   0 0 2,057
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,001,592 46,370 SH   SOLE   0 0 46,370
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   7,173,745 295,459 SH   SOLE   0 0 295,459
DOMINION ENERGY INC COM 25746U109   214,377 3,496 SH   SOLE   0 0 3,496
DUKE ENERGY CORP NEW COM NEW 26441C204   225,239 2,187 SH   SOLE   0 0 2,187
EXXON MOBIL CORP COM 30231G102   1,104,544 10,014 SH   SOLE   0 0 10,014
HOME DEPOT INC COM 437076102   1,948,540 6,169 SH   SOLE   0 0 6,169
HONEYWELL INTL INC COM 438516106   429,886 2,006 SH   SOLE   0 0 2,006
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784   1,661,761 89,007 SH   SOLE   0 0 89,007
INVESCO QQQ TR UNIT SER 1 46090E103   11,024,185 41,401 SH   SOLE   0 0 41,401
ISHARES TR CORE US AGGBD ET 464287226   357,893 3,690 SH   SOLE   0 0 3,690
ISHARES TR IBOXX INV CP ETF 464287242   15,221,773 144,378 SH   SOLE   0 0 144,378
ISHARES TR BLACKROCK ULTRA 46434V878   1,471,877 29,414 SH   SOLE   0 0 29,414
ISHARES TR CORE MSCI INTL 46435G326   4,809,074 85,907 SH   SOLE   0 0 85,907
ISHARES TR IBOXX HI YD ETF 464288513   695,067 9,440 SH   SOLE   0 0 9,440
ISHARES TR TIPS BD ETF 464287176   3,861,430 36,278 SH   SOLE   0 0 36,278
ISHARES TR SHRT NAT MUN ETF 464288158   218,550 2,096 SH   SOLE   0 0 2,096
ISHARES TR NATIONAL MUN ETF 464288414   3,369,676 31,934 SH   SOLE   0 0 31,934
ISHARES TR CORE MSCI TOTAL 46432F834   747,173 12,909 SH   SOLE   0 0 12,909
ISHARES TR RUSSELL 2000 ETF 464287655   222,832 1,278 SH   SOLE   0 0 1,278
ISHARES TR CORE S&P500 ETF 464287200   8,360,025 21,759 SH   SOLE   0 0 21,759
ISHARES TR MSCI INTL VLU FT 46435G409   1,478,362 63,805 SH   SOLE   0 0 63,805
ISHARES U S ETF TR INT RT HDG C B 46431W705   4,698,965 51,928 SH   SOLE   0 0 51,928
JOHNSON & JOHNSON COM 478160104   527,477 2,986 SH   SOLE   0 0 2,986
JPMORGAN CHASE & CO COM 46625H100   650,921 4,854 SH   SOLE   0 0 4,854
LEIDOS HOLDINGS INC COM 525327102   216,481 2,058 SH   SOLE   0 0 2,058
LILLY ELI & CO COM 532457108   236,333 646 SH   SOLE   0 0 646
LOCKHEED MARTIN CORP COM 539830109   331,786 682 SH   SOLE   0 0 682
LOWES COS INC COM 548661107   200,834 1,008 SH   SOLE   0 0 1,008
MASTERCARD INCORPORATED CL A 57636Q104   993,465 2,857 SH   SOLE   0 0 2,857
MCDONALDS CORP COM 580135101   219,784 834 SH   SOLE   0 0 834
MERCK & CO INC COM 58933Y105   850,765 7,668 SH   SOLE   0 0 7,668
MICROSOFT CORP COM 594918104   2,127,923 8,873 SH   SOLE   0 0 8,873
NIKE INC CL B 654106103   273,335 2,336 SH   SOLE   0 0 2,336
NOVO-NORDISK A S ADR 670100205   395,599 2,923 SH   SOLE   0 0 2,923
NVIDIA CORPORATION COM 67066G104   398,524 2,727 SH   SOLE   0 0 2,727
OKTA INC CL A 679295105   232,664 3,405 SH   SOLE   0 0 3,405
PALANTIR TECHNOLOGIES INC CL A 69608A108   66,312 10,329 SH   SOLE   0 0 10,329
PEPSICO INC COM 713448108   265,390 1,469 SH   SOLE   0 0 1,469
PNC FINL SVCS GROUP INC COM 693475105   339,571 2,150 SH   SOLE   0 0 2,150
PROCTER AND GAMBLE CO COM 742718109   299,028 1,973 SH   SOLE   0 0 1,973
PROSHARES TR INVT INT RT HG 74347B607   360,883 5,075 SH   SOLE   0 0 5,075
QUANTUM SI INC COM CL A 74765K105   67,710 37,000 SH   SOLE   0 0 37,000
SCHWAB STRATEGIC TR US TIPS ETF 808524870   472,998 9,133 SH   SOLE   0 0 9,133
SOUTHERN CO COM 842587107   390,827 5,473 SH   SOLE   0 0 5,473
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,320,766 161,431 SH   SOLE   0 0 161,431
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,274,904 177,666 SH   SOLE   0 0 177,666
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,266,991 3,313 SH   SOLE   0 0 3,313
SPDR SER TR BLOOMBERG HIGH Y 78468R622   3,757,320 41,748 SH   SOLE   0 0 41,748
STARBUCKS CORP COM 855244109   307,718 3,102 SH   SOLE   0 0 3,102
TESLA INC COM 88160R101   400,335 3,250 SH   SOLE   0 0 3,250
UNITED PARCEL SERVICE INC CL B 911312106   349,766 2,012 SH   SOLE   0 0 2,012
UNITEDHEALTH GROUP INC COM 91324P102   496,248 936 SH   SOLE   0 0 936
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   6,563,590 91,364 SH   SOLE   0 0 91,364
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   6,902,140 140,860 SH   SOLE   0 0 140,860
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,687,139 48,979 SH   SOLE   0 0 48,979
VANGUARD BD INDEX FDS INTERMED TERM 921937819   5,116,858 68,849 SH   SOLE   0 0 68,849
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   6,021,476 126,955 SH   SOLE   0 0 126,955
VANGUARD INDEX FDS SM CP VAL ETF 922908611   450,992 2,840 SH   SOLE   0 0 2,840
VANGUARD INDEX FDS GROWTH ETF 922908736   1,971,268 9,250 SH   SOLE   0 0 9,250
VANGUARD INDEX FDS LARGE CAP ETF 922908637   4,662,986 26,768 SH   SOLE   0 0 26,768
VANGUARD INDEX FDS TOTAL STK MKT 922908769   30,094,836 157,408 SH   SOLE   0 0 157,408
VANGUARD INDEX FDS MID CAP ETF 922908629   9,793,478 48,052 SH   SOLE   0 0 48,052
VANGUARD INDEX FDS SMALL CP ETF 922908751   9,817,555 53,490 SH   SOLE   0 0 53,490
VANGUARD INDEX FDS VALUE ETF 922908744   9,905,911 70,570 SH   SOLE   0 0 70,570
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   5,952,994 72,175 SH   SOLE   0 0 72,175
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,287,934 22,254 SH   SOLE   0 0 22,254
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   12,719,920 147,580 SH   SOLE   0 0 147,580
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,299,715 84,652 SH   SOLE   0 0 84,652
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   368,542 7,890 SH   SOLE   0 0 7,890
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,443,722 29,172 SH   SOLE   0 0 29,172
VANGUARD STAR FDS VG TL INTL STK F 921909768   4,941,794 95,549 SH   SOLE   0 0 95,549
VISA INC COM CL A 92826C839   592,739 2,853 SH   SOLE   0 0 2,853
WALMART INC COM 931142103   821,248 5,792 SH   SOLE   0 0 5,792
WASTE MGMT INC DEL COM 94106L109   255,087 1,626 SH   SOLE   0 0 1,626