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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   5,827,955 196,227 SH   SOLE   0 0 196,227
3M CO COM 88579Y101   280,727 2,647 SH   SOLE   0 0 2,647
ABBOTT LABS COM 002824100   207,011 1,821 SH   SOLE   0 0 1,821
ABBVIE INC COM 00287Y109   506,797 2,783 SH   SOLE   0 0 2,783
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   605,505 1,747 SH   SOLE   0 0 1,747
ALLY FINL INC COM 02005N100   226,933 5,591 SH   SOLE   0 0 5,591
ALPHABET INC CAP STK CL C 02079K107   886,001 5,819 SH   SOLE   0 0 5,819
ALPHABET INC CAP STK CL A 02079K305   613,380 4,064 SH   SOLE   0 0 4,064
AMAZON COM INC COM 023135106   2,558,265 14,183 SH   SOLE   0 0 14,183
AMERICAN INTL GROUP INC COM NEW 026874784   226,828 2,902 SH   SOLE   0 0 2,902
AMGEN INC COM 031162100   373,690 1,314 SH   SOLE   0 0 1,314
APPLE INC COM 037833100   4,014,397 23,410 SH   SOLE   0 0 23,410
AT&T INC COM 00206R102   206,125 11,712 SH   SOLE   0 0 11,712
AUTOMATIC DATA PROCESSING IN COM 053015103   483,131 1,935 SH   SOLE   0 0 1,935
BANK AMERICA CORP COM 060505104   462,170 12,188 SH   SOLE   0 0 12,188
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,749,784 4,161 SH   SOLE   0 0 4,161
BLACKROCK INC COM 09247X101   331,813 398 SH   SOLE   0 0 398
BLACKSTONE INC COM 09260D107   380,563 2,897 SH   SOLE   0 0 2,897
BROADCOM INC COM 11135F101   978,153 738 SH   SOLE   0 0 738
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   551,503 7,527 SH   SOLE   0 0 7,527
CATERPILLAR INC COM 149123101   314,004 857 SH   SOLE   0 0 857
CATO CORP NEW CL A 149205106   148,255 25,694 SH   SOLE   0 0 25,694
CHEVRON CORP NEW COM 166764100   352,694 2,236 SH   SOLE   0 0 2,236
CHUBB LIMITED COM H1467J104   217,484 839 SH   SOLE   0 0 839
CISCO SYS INC COM 17275R102   238,578 4,780 SH   SOLE   0 0 4,780
COCA COLA CO COM 191216100   3,780,171 61,788 SH   SOLE   0 0 61,788
COMCAST CORP NEW CL A 20030N101   233,928 5,396 SH   SOLE   0 0 5,396
CORE SCIENTIFIC INC NEW *W EXP 01/23/202 21874A114   168,703 126,844 SH   SOLE   0 0 126,844
CORE SCIENTIFIC INC NEW *W EXP 01/23/202 21874A130   253,690 105,704 SH   SOLE   0 0 105,704
COSTCO WHSL CORP NEW COM 22160K105   353,544 483 SH   SOLE   0 0 483
DELTA AIR LINES INC DEL COM NEW 247361702   236,871 4,948 SH   SOLE   0 0 4,948
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   2,103,894 57,249 SH   SOLE   0 0 57,249
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   2,500,752 96,331 SH   SOLE   0 0 96,331
DIVERSIFIED HEALTHCARE TR COM SH BEN INT 25525P107   28,932 11,761 SH   SOLE   0 0 11,761
DUKE ENERGY CORP NEW COM NEW 26441C204   385,479 3,986 SH   SOLE   0 0 3,986
EATON CORP PLC SHS G29183103   309,241 989 SH   SOLE   0 0 989
ELI LILLY & CO COM 532457108   560,158 720 SH   SOLE   0 0 720
ENPRO INC COM 29355X107   315,559 1,870 SH   SOLE   0 0 1,870
EXXON MOBIL CORP COM 30231G102   260,416 2,240 SH   SOLE   0 0 2,240
GENERAL ELECTRIC CO COM NEW 369604301   513,649 2,926 SH   SOLE   0 0 2,926
GENUINE PARTS CO COM 372460105   242,623 1,566 SH   SOLE   0 0 1,566
HARTFORD FINL SVCS GROUP INC COM 416515104   243,312 2,361 SH   SOLE   0 0 2,361
HCA HEALTHCARE INC COM 40412C101   307,515 922 SH   SOLE   0 0 922
HOME DEPOT INC COM 437076102   1,410,585 3,677 SH   SOLE   0 0 3,677
HONEYWELL INTL INC COM 438516106   286,119 1,394 SH   SOLE   0 0 1,394
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   3,229,640 65,048 SH   SOLE   0 0 65,048
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   235,397 6,411 SH   SOLE   0 0 6,411
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   1,013,124 25,792 SH   SOLE   0 0 25,792
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   4,909,444 81,255 SH   SOLE   0 0 81,255
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,784,641 46,390 SH   SOLE   0 0 46,390
INVESCO EXCHANGE TRADED FD T LARGE CAP GROWTH 46137V746   206,848 2,317 SH   SOLE   0 0 2,317
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   318,410 2,990 SH   SOLE   0 0 2,990
INVESCO QQQ TR UNIT SER 1 46090E103   682,459 1,537 SH   SOLE   0 0 1,537
ISHARES INC CORE MSCI EMKT 46434G103   598,450 11,598 SH   SOLE   0 0 11,598
ISHARES TR CORE MSCI TOTAL 46432F834   2,132,164 31,420 SH   SOLE   0 0 31,420
ISHARES TR CORE MSCI EAFE 46432F842   667,103 8,988 SH   SOLE   0 0 8,988
ISHARES TR US TREAS BD ETF 46429B267   22,943,614 1,007,625 SH   SOLE   0 0 1,007,625
ISHARES TR MSCI USA QLT FCT 46432F339   300,332 1,827 SH   SOLE   0 0 1,827
ISHARES TR 0-5YR HI YL CP 46434V407   3,179,863 74,732 SH   SOLE   0 0 74,732
ISHARES TR BLACKROCK ULTRA 46434V878   2,306,624 45,622 SH   SOLE   0 0 45,622
ISHARES TR CORE MSCI INTL 46435G326   1,127,690 16,799 SH   SOLE   0 0 16,799
ISHARES TR CORE S&P TTL STK 464287150   237,305 2,058 SH   SOLE   0 0 2,058
ISHARES TR ISHS 1-5YR INVS 464288646   851,745 16,610 SH   SOLE   0 0 16,610
ISHARES TR CORE S&P MCP ETF 464287507   362,355 5,966 SH   SOLE   0 0 5,966
ISHARES TR CORE S&P SCP ETF 464287804   11,165,734 101,029 SH   SOLE   0 0 101,029
ISHARES TR CORE S&P500 ETF 464287200   14,602,744 27,776 SH   SOLE   0 0 27,776
ISHARES TR S&P 500 GRWT ETF 464287309   774,379 9,171 SH   SOLE   0 0 9,171
ISHARES TR RUS 1000 ETF 464287622   647,136 2,247 SH   SOLE   0 0 2,247
ISHARES TR RUS 1000 VAL ETF 464287598   2,271,234 12,681 SH   SOLE   0 0 12,681
ISHARES TR RUS 1000 GRW ETF 464287614   4,556,074 13,518 SH   SOLE   0 0 13,518
ISHARES TR RUSSELL 2000 ETF 464287655   1,112,554 5,290 SH   SOLE   0 0 5,290
ISHARES TR RUS 2000 VAL ETF 464287630   382,668 2,410 SH   SOLE   0 0 2,410
ISHARES TR RUSSELL 3000 ETF 464287689   1,662,143 5,539 SH   SOLE   0 0 5,539
ISHARES TR CORE S&P US VLU 464287663   267,209 2,955 SH   SOLE   0 0 2,955
ISHARES TR CORE S&P US GWT 464287671   202,027 1,724 SH   SOLE   0 0 1,724
ISHARES TR MSCI EAFE ETF 464287465   355,659 4,454 SH   SOLE   0 0 4,454
ISHARES TR U.S. FINLS ETF 464287788   286,950 3,000 SH   SOLE   0 0 3,000
ISHARES TR 1 3 YR TREAS BD 464287457   1,723,887 21,080 SH   SOLE   0 0 21,080
ISHARES TR MORNINGSTAR VALU 464288109   953,064 12,400 SH   SOLE   0 0 12,400
ISHARES TR S&P 100 ETF 464287101   1,154,014 4,664 SH   SOLE   0 0 4,664
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   21,333,286 422,860 SH   SOLE   0 0 422,860
JABIL INC COM 466313103   520,262 3,884 SH   SOLE   0 0 3,884
JOHNSON & JOHNSON COM 478160104   573,164 3,623 SH   SOLE   0 0 3,623
JPMORGAN CHASE & CO COM 46625H100   1,240,896 6,195 SH   SOLE   0 0 6,195
LEGG MASON ETF INVT WESTN ASET TTL 52468L810   213,245 10,572 SH   SOLE   0 0 10,572
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   621,208 21,660 SH   SOLE   0 0 21,660
LOWES COS INC COM 548661107   1,840,124 7,224 SH   SOLE   0 0 7,224
MANULIFE FINL CORP COM 56501R106   321,146 12,851 SH   SOLE   0 0 12,851
MASTERCARD INCORPORATED CL A 57636Q104   451,179 937 SH   SOLE   0 0 937
MCDONALDS CORP COM 580135101   448,717 1,591 SH   SOLE   0 0 1,591
MERCK & CO INC COM 58933Y105   457,042 3,464 SH   SOLE   0 0 3,464
META PLATFORMS INC CL A 30303M102   321,947 663 SH   SOLE   0 0 663
MICROSOFT CORP COM 594918104   3,317,199 7,885 SH   SOLE   0 0 7,885
NORTHERN LTS FD TR III FPA GBL EQTY ETF 66538R631   13,003,466 450,414 SH   SOLE   0 0 450,414
NVIDIA CORPORATION COM 67066G104   1,132,870 1,254 SH   SOLE   0 0 1,254
OLD NATL BANCORP IND COM 680033107   290,463 16,684 SH   SOLE   0 0 16,684
ORACLE CORP COM 68389X105   259,008 2,062 SH   SOLE   0 0 2,062
PALO ALTO NETWORKS INC COM 697435105   293,222 1,032 SH   SOLE   0 0 1,032
PAYCHEX INC COM 704326107   258,740 2,107 SH   SOLE   0 0 2,107
PEPSICO INC COM 713448108   243,590 1,392 SH   SOLE   0 0 1,392
PROCTER AND GAMBLE CO COM 742718109   988,478 6,092 SH   SOLE   0 0 6,092
QUALCOMM INC COM 747525103   345,465 2,041 SH   SOLE   0 0 2,041
QURATE RETAIL INC COM SER A 74915M100   12,611 10,253 SH   SOLE   0 0 10,253
RTX CORPORATION COM 75513E101   368,820 3,782 SH   SOLE   0 0 3,782
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,967,050 31,696 SH   SOLE   0 0 31,696
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   640,476 8,430 SH   SOLE   0 0 8,430
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   5,895,809 103,381 SH   SOLE   0 0 103,381
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   11,792,762 331,164 SH   SOLE   0 0 331,164
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   9,858,999 146,298 SH   SOLE   0 0 146,298
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,934,757 36,398 SH   SOLE   0 0 36,398
SELECT SECTOR SPDR TR INDL 81369Y704   341,394 2,710 SH   SOLE   0 0 2,710
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,031,020 9,752 SH   SOLE   0 0 9,752
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,872,227 5,491 SH   SOLE   0 0 5,491
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400   223,257 5,167 SH   SOLE   0 0 5,167
STRYKER CORPORATION COM 863667101   252,298 705 SH   SOLE   0 0 705
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107   603,734 17,103 SH   SOLE   0 0 17,103
TESLA INC COM 88160R101   1,078,120 6,133 SH   SOLE   0 0 6,133
THE CIGNA GROUP COM 125523100   292,636 806 SH   SOLE   0 0 806
TJX COS INC NEW COM 872540109   377,337 3,721 SH   SOLE   0 0 3,721
TRUIST FINL CORP COM 89832Q109   401,945 10,312 SH   SOLE   0 0 10,312
TUPPERWARE BRANDS CORP COM 899896104   13,890 10,366 SH   SOLE   0 0 10,366
UNITEDHEALTH GROUP INC COM 91324P102   760,900 1,538 SH   SOLE   0 0 1,538
VALERO ENERGY CORP COM 91913Y100   286,874 1,681 SH   SOLE   0 0 1,681
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   265,419 2,577 SH   SOLE   0 0 2,577
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   2,566,731 25,288 SH   SOLE   0 0 25,288
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   4,657,194 15,284 SH   SOLE   0 0 15,284
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   1,814,633 10,055 SH   SOLE   0 0 10,055
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   536,157 7,382 SH   SOLE   0 0 7,382
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,613,155 34,083 SH   SOLE   0 0 34,083
VANGUARD BD INDEX FDS INTERMED TERM 921937819   741,295 9,831 SH   SOLE   0 0 9,831
VANGUARD INDEX FDS LARGE CAP ETF 922908637   288,848 1,205 SH   SOLE   0 0 1,205
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   284,536 1,825 SH   SOLE   0 0 1,825
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,974,623 13,013 SH   SOLE   0 0 13,013
VANGUARD INDEX FDS GROWTH ETF 922908736   228,441 664 SH   SOLE   0 0 664
VANGUARD INDEX FDS VALUE ETF 922908744   2,066,636 12,690 SH   SOLE   0 0 12,690
VANGUARD INDEX FDS MID CAP ETF 922908629   418,048 1,673 SH   SOLE   0 0 1,673
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   11,433,912 23,786 SH   SOLE   0 0 23,786
VANGUARD INDEX FDS TOTAL STK MKT 922908769   264,808 1,019 SH   SOLE   0 0 1,019
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   458,366 2,615 SH   SOLE   0 0 2,615
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,418,869 33,969 SH   SOLE   0 0 33,969
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   488,959 4,425 SH   SOLE   0 0 4,425
VANGUARD MALVERN FDS CORE BD ETF 922020748   3,908,927 51,099 SH   SOLE   0 0 51,099
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   479,165 9,470 SH   SOLE   0 0 9,470
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   1,645,604 18,987 SH   SOLE   0 0 18,987
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,772,414 22,538 SH   SOLE   0 0 22,538
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   3,764,473 64,826 SH   SOLE   0 0 64,826
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   820,946 10,619 SH   SOLE   0 0 10,619
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   7,902,571 43,276 SH   SOLE   0 0 43,276
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,763,317 114,876 SH   SOLE   0 0 114,876
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   782,491 6,467 SH   SOLE   0 0 6,467
VERISK ANALYTICS INC COM 92345Y106   588,618 2,497 SH   SOLE   0 0 2,497
VERIZON COMMUNICATIONS INC COM 92343V104   636,849 15,178 SH   SOLE   0 0 15,178
VISA INC COM CL A 92826C839   421,802 1,511 SH   SOLE   0 0 1,511
WALMART INC COM 931142103   317,821 5,282 SH   SOLE   0 0 5,282
WELLS FARGO CO NEW COM 949746101   557,935 9,626 SH   SOLE   0 0 9,626
WISDOMTREE TR US QTLY DIV GRT 97717X669   829,359 10,885 SH   SOLE   0 0 10,885