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
ABBVIE INC COM 00287Y109   257,873 1,914 SH   SOLE   0 0 1,914
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   555,753 1,801 SH   SOLE   0 0 1,801
ACTIVISION BLIZZARD INC COM 00507V109   205,523 2,438 SH   SOLE   0 0 2,438
ALBEMARLE CORP COM 012653101   235,583 1,056 SH   SOLE   0 0 1,056
ALPHABET INC CAP STK CL A 02079K305   409,135 3,418 SH   SOLE   0 0 3,418
ALPHABET INC CAP STK CL C 02079K107   660,254 5,458 SH   SOLE   0 0 5,458
AMAZON COM INC COM 023135106   1,830,645 14,043 SH   SOLE   0 0 14,043
AMERICAN ELEC PWR CO INC COM 025537101   238,539 2,833 SH   SOLE   0 0 2,833
AMGEN INC COM 031162100   471,126 2,122 SH   SOLE   0 0 2,122
APPLE INC COM 037833100   2,944,082 15,178 SH   SOLE   0 0 15,178
AT&T INC COM 00206R102   304,625 19,099 SH   SOLE   0 0 19,099
AUTOMATIC DATA PROCESSING IN COM 053015103   274,078 1,247 SH   SOLE   0 0 1,247
BANK AMERICA CORP COM 060505104   506,981 17,671 SH   SOLE   0 0 17,671
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   701,778 2,058 SH   SOLE   0 0 2,058
BLACKROCK INC COM 09247X101   247,428 358 SH   SOLE   0 0 358
BLACKSTONE INC COM 09260D107   210,577 2,265 SH   SOLE   0 0 2,265
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   393,502 3,526 SH   SOLE   0 0 3,526
BROADCOM INC COM 11135F101   581,178 670 SH   SOLE   0 0 670
CAMPBELL SOUP CO CALL 134429909   212,871 4,657 SH   SOLE   0 0 4,657
CITIZENS FINL GROUP INC COM 174610105   254,749 9,768 SH   SOLE   0 0 9,768
COCA COLA CO COM 191216100   3,789,978 62,936 SH   SOLE   0 0 62,936
DANAHER CORPORATION COM 235851102   374,884 1,562 SH   SOLE   0 0 1,562
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,997,564 60,809 SH   SOLE   0 0 60,809
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   2,066,164 84,783 SH   SOLE   0 0 84,783
DUKE ENERGY CORP NEW COM NEW 26441C204   359,857 4,010 SH   SOLE   0 0 4,010
EATON CORP PLC SHS G29183103   274,703 1,366 SH   SOLE   0 0 1,366
EXXON MOBIL CORP COM 30231G102   264,984 2,471 SH   SOLE   0 0 2,471
GENERAL ELECTRIC CO COM NEW 369604301   348,797 3,175 SH   SOLE   0 0 3,175
GENERAL MLS INC COM 370334104   367,163 4,787 SH   SOLE   0 0 4,787
HOME DEPOT INC COM 437076102   1,230,705 3,962 SH   SOLE   0 0 3,962
HONEYWELL INTL INC COM 438516106   405,455 1,954 SH   SOLE   0 0 1,954
INTERNATIONAL BUSINESS MACHS COM 459200101   231,224 1,728 SH   SOLE   0 0 1,728
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   3,172,451 70,562 SH   SOLE   0 0 70,562
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   812,034 4,726 SH   SOLE   0 0 4,726
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,121,940 6,856 SH   SOLE   0 0 6,856
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   271,251 2,988 SH   SOLE   0 0 2,988
ISHARES INC CORE MSCI EMKT 46434G103   894,324 18,144 SH   SOLE   0 0 18,144
ISHARES TR CORE MSCI TOTAL 46432F834   2,128,921 33,997 SH   SOLE   0 0 33,997
ISHARES TR CORE MSCI EAFE 46432F842   625,298 9,264 SH   SOLE   0 0 9,264
ISHARES TR MODERT ALLOC ETF 464289875   209,669 5,189 SH   SOLE   0 0 5,189
ISHARES TR 0-5YR HI YL CP 46434V407   231,001 5,573 SH   SOLE   0 0 5,573
ISHARES TR CORE MSCI INTL 46435G326   1,084,812 17,749 SH   SOLE   0 0 17,749
ISHARES TR MORNINGSTAR VALU 464288109   824,848 12,400 SH   SOLE   0 0 12,400
ISHARES TR U.S. FINLS ETF 464287788   223,830 3,000 SH   SOLE   0 0 3,000
ISHARES TR MSCI EAFE ETF 464287465   333,721 4,603 SH   SOLE   0 0 4,603
ISHARES TR CORE S&P SCP ETF 464287804   1,812,705 18,191 SH   SOLE   0 0 18,191
ISHARES TR S&P SML 600 GWT 464287887   201,702 1,755 SH   SOLE   0 0 1,755
ISHARES TR CORE S&P500 ETF 464287200   3,700,817 8,303 SH   SOLE   0 0 8,303
ISHARES TR S&P 500 GRWT ETF 464287309   504,522 7,158 SH   SOLE   0 0 7,158
ISHARES TR RUS 1000 ETF 464287622   677,776 2,781 SH   SOLE   0 0 2,781
ISHARES TR RUS 1000 VAL ETF 464287598   200,343 1,269 SH   SOLE   0 0 1,269
ISHARES TR RUSSELL 3000 ETF 464287689   1,460,461 5,739 SH   SOLE   0 0 5,739
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   12,873,718 256,755 SH   SOLE   0 0 256,755
JABIL INC COM 466313103   597,177 5,533 SH   SOLE   0 0 5,533
JOHNSON & JOHNSON COM 478160104   591,619 3,574 SH   SOLE   0 0 3,574
JPMORGAN CHASE & CO COM 46625H100   587,578 4,040 SH   SOLE   0 0 4,040
KIMBERLY-CLARK CORP COM 494368103   289,236 2,095 SH   SOLE   0 0 2,095
LILLY ELI & CO COM 532457108   242,463 517 SH   SOLE   0 0 517
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   588,406 21,296 SH   SOLE   0 0 21,296
LOWES COS INC COM 548661107   1,556,653 6,897 SH   SOLE   0 0 6,897
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   218,555 2,380 SH   SOLE   0 0 2,380
MANULIFE FINL CORP COM 56501R106   243,012 12,851 SH   SOLE   0 0 12,851
MCDONALDS CORP COM 580135101   368,536 1,235 SH   SOLE   0 0 1,235
MGM RESORTS INTERNATIONAL COM 552953101   300,676 6,846 SH   SOLE   0 0 6,846
MICROSOFT CORP COM 594918104   1,855,844 5,450 SH   SOLE   0 0 5,450
NORTHERN LTS FD TR III FPA GBL EQTY ETF 66538R631   2,804,824 114,146 SH   SOLE   0 0 114,146
NVIDIA CORPORATION COM 67066G104   227,498 538 SH   SOLE   0 0 538
ORACLE CORP COM 68389X105   250,089 2,100 SH   SOLE   0 0 2,100
PALO ALTO NETWORKS INC COM 697435105   377,388 1,477 SH   SOLE   0 0 1,477
PAYCHEX INC COM 704326107   234,256 2,094 SH   SOLE   0 0 2,094
PFIZER INC COM 717081103   251,671 6,861 SH   SOLE   0 0 6,861
PROCTER AND GAMBLE CO COM 742718109   748,685 4,934 SH   SOLE   0 0 4,934
PROSHARES TR SHORT QQQ NEW 74347B714   245,964 23,270 SH   SOLE   0 0 23,270
RAYTHEON TECHNOLOGIES CORP COM 75513E101   255,872 2,612 SH   SOLE   0 0 2,612
SALESFORCE INC COM 79466L302   210,204 995 SH   SOLE   0 0 995
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,354,049 25,855 SH   SOLE   0 0 25,855
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   682,773 10,177 SH   SOLE   0 0 10,177
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   2,549,825 50,542 SH   SOLE   0 0 50,542
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   5,619,686 174,038 SH   SOLE   0 0 174,038
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   4,354,871 75,645 SH   SOLE   0 0 75,645
SPDR S&P 500 ETF TR TR UNIT 78462F103   254,106 573 SH   SOLE   0 0 573
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400   226,080 5,652 SH   SOLE   0 0 5,652
STRYKER CORPORATION COM 863667101   206,851 678 SH   SOLE   0 0 678
TJX COS INC NEW COM 872540109   250,894 2,959 SH   SOLE   0 0 2,959
TRUIST FINL CORP COM 89832Q109   354,974 11,696 SH   SOLE   0 0 11,696
UNION PAC CORP COM 907818108   232,653 1,137 SH   SOLE   0 0 1,137
UNITEDHEALTH GROUP INC COM 91324P102   723,844 1,506 SH   SOLE   0 0 1,506
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   397,975 4,494 SH   SOLE   0 0 4,494
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   2,204,843 23,994 SH   SOLE   0 0 23,994
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   409,866 5,639 SH   SOLE   0 0 5,639
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,345,671 8,215 SH   SOLE   0 0 8,215
VANGUARD INDEX FDS TOTAL STK MKT 922908769   244,613 1,110 SH   SOLE   0 0 1,110
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   252,544 1,825 SH   SOLE   0 0 1,825
VANGUARD INDEX FDS SMALL CP ETF 922908751   574,225 2,887 SH   SOLE   0 0 2,887
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   913,372 22,453 SH   SOLE   0 0 22,453
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   480,856 4,958 SH   SOLE   0 0 4,958
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   292,533 5,825 SH   SOLE   0 0 5,825
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   6,143,296 106,414 SH   SOLE   0 0 106,414
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,067,113 6,570 SH   SOLE   0 0 6,570
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,106,481 88,923 SH   SOLE   0 0 88,923
VERIZON COMMUNICATIONS INC COM 92343V104   418,313 11,248 SH   SOLE   0 0 11,248
VISA INC COM CL A 92826C839   498,074 2,097 SH   SOLE   0 0 2,097
WALGREENS BOOTS ALLIANCE INC COM 931427108   217,236 7,625 SH   SOLE   0 0 7,625
WILLIAMS COS INC COM 969457100   376,909 11,551 SH   SOLE   0 0 11,551
WISDOMTREE TR US QTLY DIV GRT 97717X669   1,696,215 25,446 SH   SOLE   0 0 25,446