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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
2023 ETF SERIES TRUST II GMO US QUALITY E 90139K100   1,484,688 55,752 SH   SOLE   0 0 55,752
3M CO COM 88579Y101   286,152 2,618 SH   SOLE   0 0 2,618
ABBVIE INC COM 00287Y109   449,173 2,898 SH   SOLE   0 0 2,898
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   609,777 1,738 SH   SOLE   0 0 1,738
ALPHABET INC CAP STK CL A 02079K305   560,436 4,012 SH   SOLE   0 0 4,012
ALPHABET INC CAP STK CL C 02079K107   785,544 5,574 SH   SOLE   0 0 5,574
AMAZON COM INC COM 023135106   2,158,557 14,207 SH   SOLE   0 0 14,207
AMGEN INC COM 031162100   373,158 1,296 SH   SOLE   0 0 1,296
APPLE INC COM 037833100   4,579,937 23,788 SH   SOLE   0 0 23,788
AT&T INC COM 00206R102   202,160 12,048 SH   SOLE   0 0 12,048
AUTOMATIC DATA PROCESSING IN COM 053015103   446,563 1,917 SH   SOLE   0 0 1,917
BANK AMERICA CORP COM 060505104   434,702 12,911 SH   SOLE   0 0 12,911
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,477,642 4,143 SH   SOLE   0 0 4,143
BLACKROCK INC COM 09247X101   321,473 396 SH   SOLE   0 0 396
BLACKSTONE INC COM 09260D107   378,649 2,892 SH   SOLE   0 0 2,892
BOEING CO COM 097023105   212,562 815 SH   SOLE   0 0 815
BROADCOM INC COM 11135F101   794,770 712 SH   SOLE   0 0 712
CATERPILLAR INC COM 149123101   252,629 854 SH   SOLE   0 0 854
CATO CORP NEW CL A 149205106   179,451 25,133 SH   SOLE   0 0 25,133
CHEVRON CORP NEW COM 166764100   323,770 2,171 SH   SOLE   0 0 2,171
CISCO SYS INC COM 17275R102   224,852 4,451 SH   SOLE   0 0 4,451
COCA COLA CO COM 191216100   3,638,909 61,750 SH   SOLE   0 0 61,750
COMCAST CORP NEW CL A 20030N101   231,213 5,273 SH   SOLE   0 0 5,273
COSTCO WHSL CORP NEW COM 22160K105   310,791 471 SH   SOLE   0 0 471
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   2,057,265 59,874 SH   SOLE   0 0 59,874
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   2,346,441 93,113 SH   SOLE   0 0 93,113
DIVERSIFIED HEALTHCARE TR COM SH BEN INT 25525P107   42,591 11,388 SH   SOLE   0 0 11,388
DUKE ENERGY CORP NEW COM NEW 26441C204   371,808 3,831 SH   SOLE   0 0 3,831
EATON CORP PLC SHS G29183103   235,522 978 SH   SOLE   0 0 978
ELI LILLY & CO COM 532457108   431,202 740 SH   SOLE   0 0 740
ENPRO INC COM 29355X107   292,522 1,866 SH   SOLE   0 0 1,866
EXXON MOBIL CORP COM 30231G102   225,353 2,254 SH   SOLE   0 0 2,254
GENERAL ELECTRIC CO COM NEW 369604301   348,590 2,731 SH   SOLE   0 0 2,731
HCA HEALTHCARE INC COM 40412C101   248,214 917 SH   SOLE   0 0 917
HOME DEPOT INC COM 437076102   1,266,094 3,653 SH   SOLE   0 0 3,653
HONEYWELL INTL INC COM 438516106   289,400 1,380 SH   SOLE   0 0 1,380
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   3,152,755 66,523 SH   SOLE   0 0 66,523
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   292,069 2,979 SH   SOLE   0 0 2,979
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   5,880,957 108,746 SH   SOLE   0 0 108,746
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,637,316 46,515 SH   SOLE   0 0 46,515
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   207,251 6,424 SH   SOLE   0 0 6,424
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   988,035 26,355 SH   SOLE   0 0 26,355
INVESCO QQQ TR UNIT SER 1 46090E103   629,250 1,537 SH   SOLE   0 0 1,537
ISHARES INC CORE MSCI EMKT 46434G103   887,382 17,544 SH   SOLE   0 0 17,544
ISHARES TR CORE MSCI TOTAL 46432F834   2,128,667 32,784 SH   SOLE   0 0 32,784
ISHARES TR CORE MSCI EAFE 46432F842   632,318 8,988 SH   SOLE   0 0 8,988
ISHARES TR US TREAS BD ETF 46429B267   19,037,944 826,300 SH   SOLE   0 0 826,300
ISHARES TR MSCI USA QLT FCT 46432F339   319,733 2,173 SH   SOLE   0 0 2,173
ISHARES TR 0-5YR HI YL CP 46434V407   3,147,290 74,545 SH   SOLE   0 0 74,545
ISHARES TR BLACKROCK ULTRA 46434V878   3,227,008 64,079 SH   SOLE   0 0 64,079
ISHARES TR CORE MSCI INTL 46435G326   1,011,277 15,886 SH   SOLE   0 0 15,886
ISHARES TR ISHS 1-5YR INVS 464288646   904,049 17,631 SH   SOLE   0 0 17,631
ISHARES TR CORE S&P TTL STK 464287150   205,435 1,952 SH   SOLE   0 0 1,952
ISHARES TR CORE S&P MCP ETF 464287507   337,172 1,217 SH   SOLE   0 0 1,217
ISHARES TR CORE S&P SCP ETF 464287804   9,822,432 90,738 SH   SOLE   0 0 90,738
ISHARES TR CORE S&P500 ETF 464287200   14,524,732 30,410 SH   SOLE   0 0 30,410
ISHARES TR S&P 500 GRWT ETF 464287309   748,043 9,961 SH   SOLE   0 0 9,961
ISHARES TR RUS 1000 ETF 464287622   449,209 1,713 SH   SOLE   0 0 1,713
ISHARES TR RUS 1000 VAL ETF 464287598   2,926,337 17,709 SH   SOLE   0 0 17,709
ISHARES TR RUS 1000 GRW ETF 464287614   4,468,267 14,738 SH   SOLE   0 0 14,738
ISHARES TR RUSSELL 2000 ETF 464287655   1,151,130 5,735 SH   SOLE   0 0 5,735
ISHARES TR RUS 2000 VAL ETF 464287630   488,308 3,144 SH   SOLE   0 0 3,144
ISHARES TR RUSSELL 3000 ETF 464287689   1,516,246 5,539 SH   SOLE   0 0 5,539
ISHARES TR CORE S&P US VLU 464287663   362,392 4,297 SH   SOLE   0 0 4,297
ISHARES TR CORE S&P US GWT 464287671   316,865 3,044 SH   SOLE   0 0 3,044
ISHARES TR MSCI EAFE ETF 464287465   336,252 4,463 SH   SOLE   0 0 4,463
ISHARES TR U.S. FINLS ETF 464287788   256,230 3,000 SH   SOLE   0 0 3,000
ISHARES TR 1 3 YR TREAS BD 464287457   2,142,560 26,116 SH   SOLE   0 0 26,116
ISHARES TR S&P 100 ETF 464287101   1,039,680 4,654 SH   SOLE   0 0 4,654
ISHARES TR MORNINGSTAR VALU 464288109   875,688 12,400 SH   SOLE   0 0 12,400
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   17,991,543 358,183 SH   SOLE   0 0 358,183
JABIL INC COM 466313103   494,822 3,884 SH   SOLE   0 0 3,884
JOHNSON & JOHNSON COM 478160104   640,663 4,087 SH   SOLE   0 0 4,087
JPMORGAN CHASE & CO COM 46625H100   1,012,493 5,952 SH   SOLE   0 0 5,952
LEGG MASON ETF INVT WESTN ASET TTL 52468L810   218,592 10,570 SH   SOLE   0 0 10,570
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   590,056 22,906 SH   SOLE   0 0 22,906
LOWES COS INC COM 548661107   1,569,202 7,051 SH   SOLE   0 0 7,051
MANULIFE FINL CORP COM 56501R106   284,007 12,851 SH   SOLE   0 0 12,851
MASTERCARD INCORPORATED CL A 57636Q104   394,697 925 SH   SOLE   0 0 925
MCDONALDS CORP COM 580135101   483,275 1,630 SH   SOLE   0 0 1,630
MERCK & CO INC COM 58933Y105   332,305 3,048 SH   SOLE   0 0 3,048
META PLATFORMS INC CL A 30303M102   221,933 627 SH   SOLE   0 0 627
MICROSOFT CORP COM 594918104   2,880,796 7,661 SH   SOLE   0 0 7,661
NORTHERN LTS FD TR III FPA GBL EQTY ETF 66538R631   8,931,070 336,285 SH   SOLE   0 0 336,285
NVIDIA CORPORATION COM 67066G104   725,373 1,465 SH   SOLE   0 0 1,465
ORACLE CORP COM 68389X105   209,489 1,987 SH   SOLE   0 0 1,987
PALO ALTO NETWORKS INC COM 697435105   304,316 1,032 SH   SOLE   0 0 1,032
PAYCHEX INC COM 704326107   250,488 2,103 SH   SOLE   0 0 2,103
PEPSICO INC COM 713448108   227,709 1,341 SH   SOLE   0 0 1,341
PROCTER AND GAMBLE CO COM 742718109   889,426 6,070 SH   SOLE   0 0 6,070
QUALCOMM INC COM 747525103   271,899 1,880 SH   SOLE   0 0 1,880
QURATE RETAIL INC COM SER A 74915M100   10,684 12,203 SH   SOLE   0 0 12,203
RTX CORPORATION COM 75513E101   315,451 3,749 SH   SOLE   0 0 3,749
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,237,728 42,529 SH   SOLE   0 0 42,529
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,856,015 32,908 SH   SOLE   0 0 32,908
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   706,636 10,080 SH   SOLE   0 0 10,080
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   4,038,043 72,955 SH   SOLE   0 0 72,955
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   8,847,997 262,318 SH   SOLE   0 0 262,318
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   7,063,906 114,044 SH   SOLE   0 0 114,044
SELECT SECTOR SPDR TR INDL 81369Y704   308,215 2,704 SH   SOLE   0 0 2,704
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,875,007 9,741 SH   SOLE   0 0 9,741
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,605,474 5,482 SH   SOLE   0 0 5,482
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400   225,084 5,432 SH   SOLE   0 0 5,432
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107   542,831 17,539 SH   SOLE   0 0 17,539
TESLA INC COM 88160R101   1,554,739 6,257 SH   SOLE   0 0 6,257
THE CIGNA GROUP COM 125523100   221,947 741 SH   SOLE   0 0 741
TJX COS INC NEW COM 872540109   330,773 3,526 SH   SOLE   0 0 3,526
TRUIST FINL CORP COM 89832Q109   380,297 10,301 SH   SOLE   0 0 10,301
UNITEDHEALTH GROUP INC COM 91324P102   818,916 1,555 SH   SOLE   0 0 1,555
VALERO ENERGY CORP COM 91913Y100   220,525 1,696 SH   SOLE   0 0 1,696
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   424,522 4,518 SH   SOLE   0 0 4,518
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   2,663,250 26,850 SH   SOLE   0 0 26,850
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   5,275,597 19,482 SH   SOLE   0 0 19,482
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   1,967,127 11,712 SH   SOLE   0 0 11,712
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,269,569 42,451 SH   SOLE   0 0 42,451
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,122,580 14,697 SH   SOLE   0 0 14,697
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   539,389 7,334 SH   SOLE   0 0 7,334
VANGUARD INDEX FDS LARGE CAP ETF 922908637   215,039 986 SH   SOLE   0 0 986
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   264,643 1,825 SH   SOLE   0 0 1,825
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   8,320,973 19,050 SH   SOLE   0 0 19,050
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   488,978 2,974 SH   SOLE   0 0 2,974
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,832,402 13,277 SH   SOLE   0 0 13,277
VANGUARD INDEX FDS GROWTH ETF 922908736   332,577 1,070 SH   SOLE   0 0 1,070
VANGUARD INDEX FDS VALUE ETF 922908744   1,949,748 13,042 SH   SOLE   0 0 13,042
VANGUARD INDEX FDS MID CAP ETF 922908629   388,406 1,670 SH   SOLE   0 0 1,670
VANGUARD INDEX FDS TOTAL STK MKT 922908769   497,200 2,096 SH   SOLE   0 0 2,096
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,545,910 37,613 SH   SOLE   0 0 37,613
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   502,630 4,886 SH   SOLE   0 0 4,886
VANGUARD MALVERN FDS CORE BD ETF 922020748   213,431 2,760 SH   SOLE   0 0 2,760
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   302,417 5,924 SH   SOLE   0 0 5,924
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   6,150,777 105,448 SH   SOLE   0 0 105,448
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,722,611 22,265 SH   SOLE   0 0 22,265
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   2,130,073 27,302 SH   SOLE   0 0 27,302
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   2,270,857 31,305 SH   SOLE   0 0 31,305
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   8,965,978 52,617 SH   SOLE   0 0 52,617
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,111,236 106,706 SH   SOLE   0 0 106,706
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   867,677 7,773 SH   SOLE   0 0 7,773
VERIZON COMMUNICATIONS INC COM 92343V104   570,857 15,142 SH   SOLE   0 0 15,142
VISA INC COM CL A 92826C839   387,760 1,489 SH   SOLE   0 0 1,489
WALMART INC COM 931142103   268,322 1,702 SH   SOLE   0 0 1,702
WELLS FARGO CO NEW COM 949746101   510,542 10,373 SH   SOLE   0 0 10,373
WISDOMTREE TR US QTLY DIV GRT 97717X669   1,782,832 25,368 SH   SOLE   0 0 25,368