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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   304,388 1,065 SH   SOLE   0 0 1,065
ALPHABET INC CAP STK CL A 02079K305   302,269 2,914 SH   SOLE   0 0 2,914
ALPHABET INC CAP STK CL C 02079K107   385,424 3,706 SH   SOLE   0 0 3,706
AMAZON COM INC COM 023135106   1,085,888 10,513 SH   SOLE   0 0 10,513
APPLE INC COM 037833100   1,557,969 9,448 SH   SOLE   0 0 9,448
BANK AMERICA CORP COM 060505104   249,621 8,728 SH   SOLE   0 0 8,728
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   287,156 930 SH   SOLE   0 0 930
CISCO SYS INC COM 17275R102   208,159 3,982 SH   SOLE   0 0 3,982
COCA COLA CO COM 191216100   3,552,450 57,270 SH   SOLE   0 0 57,270
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,958,431 60,764 SH   SOLE   0 0 60,764
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   1,986,867 84,993 SH   SOLE   0 0 84,993
EXXON MOBIL CORP COM 30231G102   272,789 2,488 SH   SOLE   0 0 2,488
GENERAL ELECTRIC CO COM NEW 369604301   303,070 3,170 SH   SOLE   0 0 3,170
HOME DEPOT INC COM 437076102   973,511 3,299 SH   SOLE   0 0 3,299
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   3,133,495 71,119 SH   SOLE   0 0 71,119
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   254,251 2,981 SH   SOLE   0 0 2,981
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,098,593 7,007 SH   SOLE   0 0 7,007
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   791,218 4,809 SH   SOLE   0 0 4,809
ISHARES INC CORE MSCI EMKT 46434G103   886,087 18,161 SH   SOLE   0 0 18,161
ISHARES TR CORE MSCI TOTAL 46432F834   2,153,092 34,755 SH   SOLE   0 0 34,755
ISHARES TR CORE MSCI EAFE 46432F842   613,994 9,185 SH   SOLE   0 0 9,185
ISHARES TR MODERT ALLOC ETF 464289875   205,913 5,166 SH   SOLE   0 0 5,166
ISHARES TR 0-5YR HI YL CP 46434V407   232,283 5,573 SH   SOLE   0 0 5,573
ISHARES TR CORE MSCI INTL 46435G326   1,073,038 17,745 SH   SOLE   0 0 17,745
ISHARES TR MORNINGSTAR VALU 464288109   792,360 12,400 SH   SOLE   0 0 12,400
ISHARES TR MSCI EAFE ETF 464287465   328,954 4,599 SH   SOLE   0 0 4,599
ISHARES TR U.S. FINLS ETF 464287788   213,420 3,000 SH   SOLE   0 0 3,000
ISHARES TR CORE S&P SCP ETF 464287804   1,941,345 20,076 SH   SOLE   0 0 20,076
ISHARES TR CORE S&P500 ETF 464287200   4,699,460 11,432 SH   SOLE   0 0 11,432
ISHARES TR S&P 500 GRWT ETF 464287309   456,664 7,148 SH   SOLE   0 0 7,148
ISHARES TR RUS 1000 ETF 464287622   677,507 3,008 SH   SOLE   0 0 3,008
ISHARES TR RUS 1000 VAL ETF 464287598   201,259 1,322 SH   SOLE   0 0 1,322
ISHARES TR RUSSELL 3000 ETF 464287689   1,351,018 5,739 SH   SOLE   0 0 5,739
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   13,004,806 258,442 SH   SOLE   0 0 258,442
JOHNSON & JOHNSON COM 478160104   423,398 2,732 SH   SOLE   0 0 2,732
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   560,082 21,296 SH   SOLE   0 0 21,296
LOWES COS INC COM 548661107   1,482,778 7,415 SH   SOLE   0 0 7,415
MERCK & CO INC COM 58933Y105   232,569 2,186 SH   SOLE   0 0 2,186
MICROSOFT CORP COM 594918104   1,151,863 3,995 SH   SOLE   0 0 3,995
NORTHERN LTS FD TR III FPA GBL EQTY ETF 66538R631   2,418,890 106,682 SH   SOLE   0 0 106,682
PROCTER AND GAMBLE CO COM 742718109   734,975 4,943 SH   SOLE   0 0 4,943
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,249,429 25,831 SH   SOLE   0 0 25,831
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   666,032 10,156 SH   SOLE   0 0 10,156
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   2,730,659 56,106 SH   SOLE   0 0 56,106
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   5,732,291 183,316 SH   SOLE   0 0 183,316
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   4,583,051 83,450 SH   SOLE   0 0 83,450
SELECT SECTOR SPDR TR ENERGY 81369Y506   388,970 4,696 SH   SOLE   0 0 4,696
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400   275,063 7,037 SH   SOLE   0 0 7,037
TRUIST FINL CORP COM 89832Q109   350,755 10,286 SH   SOLE   0 0 10,286
UNITEDHEALTH GROUP INC COM 91324P102   525,520 1,112 SH   SOLE   0 0 1,112
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   380,560 4,494 SH   SOLE   0 0 4,494
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   2,145,567 24,165 SH   SOLE   0 0 24,165
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   416,673 5,644 SH   SOLE   0 0 5,644
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   244,678 1,825 SH   SOLE   0 0 1,825
VANGUARD INDEX FDS SMALL CP ETF 922908751   577,569 3,047 SH   SOLE   0 0 3,047
VANGUARD INDEX FDS TOTAL STK MKT 922908769   226,577 1,110 SH   SOLE   0 0 1,110
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,484,541 9,266 SH   SOLE   0 0 9,266
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   453,936 4,929 SH   SOLE   0 0 4,929
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   915,416 22,659 SH   SOLE   0 0 22,659
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   257,579 5,084 SH   SOLE   0 0 5,084
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   6,180,738 105,581 SH   SOLE   0 0 105,581
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,405,292 9,125 SH   SOLE   0 0 9,125
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,306,724 95,345 SH   SOLE   0 0 95,345
WISDOMTREE TR US QTLY DIV GRT 97717X669   1,584,014 25,409 SH   SOLE   0 0 25,409