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
ABBOTT LABORATORIES Equities 002824100   822,863 7,919 SH   SOLE   7,919 0 0
ABBVIE INC Equities 00287Y109   949,020 5,534 SH   SOLE   5,534 0 0
ACCENTURE PLC Equities G1151C101   181,439 598 SH   DFND   598 0 0
ACCENTURE PLC Equities G1151C101   908,713 2,995 SH   SOLE   2,995 0 0
AIR PRODS & CHEMS Equities 009158106   328,756 1,274 SH   SOLE   1,274 0 0
ALPHABET INC CL A Equities 02079K305   679,055 3,728 SH   SOLE   3,728 0 0
ALPHABET INC CL C Equities 02079K107   1,351,255 7,367 SH   SOLE   7,367 0 0
AMAZON.COM INC Equities 023135106   2,054,827 10,633 SH   SOLE   10,373 0 260
AMERICAN EXPRESS CO Equities 025816109   341,305 1,474 SH   SOLE   1,474 0 0
ANALOG DEVICES INC Equities 032654105   768,780 3,368 SH   SOLE   3,368 0 0
ANGI HOMESERVICES INC Equities 00183L102   152,112 79,225 SH   SOLE   79,225 0 0
APPLE COMPUTER INC Equities 037833100   388,383 1,844 SH   DFND   1,844 0 0
APPLE COMPUTER INC Equities 037833100   15,194,759 72,143 SH   SOLE   71,651 0 492
AUTOMATIC DATA PRO Equities 053015103   715,354 2,997 SH   SOLE   2,997 0 0
BANK OF AMERICA CORP Equities 060505104   457,474 11,503 SH   SOLE   11,503 0 0
BECTON, DICKINSON Equities 075887109   514,629 2,202 SH   SOLE   2,202 0 0
BERKSHIRE HATHAWAY INC DELCL B Equities 084670702   4,727,830 11,622 SH   SOLE   11,622 0 0
BLACKROCK, INC. Equities 09247X101   416,492 529 SH   SOLE   529 0 0
BROADCOM INC Equities 11135F101   622,946 388 SH   SOLE   388 0 0
CANADIAN NATL RR Equities 136375102   575,293 4,870 SH   SOLE   4,870 0 0
CHIPOTLE MEXICAN GRILL INC Equities 169656105   469,875 7,500 SH   SOLE   7,500 0 0
CISCO SYSTEMS INC Equities 17275R102   399,844 8,416 SH   SOLE   8,416 0 0
CME GROUP INC Equities 12572Q105   203,284 1,034 SH   SOLE   1,034 0 0
CMS ENERGY CORP Equities 125896100   262,170 4,404 SH   SOLE   4,404 0 0
COCA COLA CO Equities 191216100   248,681 3,907 SH   SOLE   3,907 0 0
CONSTELLATION BRANDS Equities 21036P108   214,829 835 SH   SOLE   835 0 0
COSTCO WHSL CORP NEW Equities 22160K105   491,294 578 SH   SOLE   578 0 0
DFA DIMENSIONAL EMERGING MKTS C Mutual Funds 25434V732   2,347,451 87,823 SH   SOLE   87,823 0 0
DFA DIMENSIONAL GLOBAL REAL EST Mutual Funds 25434V658   777,544 31,114 SH   SOLE   31,114 0 0
DFA DIMENSIONAL INTL CORE EQUIT Mutual Funds 25434V799   6,926,336 263,457 SH   SOLE   263,457 0 0
DFA DIMENSIONAL US SMALL CAP VA Mutual Funds 25434V815   3,486,273 121,134 SH   SOLE   121,134 0 0
DIMENSIONAL U.S. CORE EQUITY 2 Mutual Funds 25434V708   36,612,579 1,135,628 SH   SOLE   1,135,628 0 0
DIMENSIONAL U.S. MARKETWIDE VAL Mutual Funds 25434V724   2,037,635 51,888 SH   DFND   51,888 0 0
DIMENSIONAL U.S. MARKETWIDE VAL Mutual Funds 25434V724   70,556,821 1,796,706 SH   SOLE   1,782,853 0 13,853
DIMENSIONAL U.S. TARGETED VALUE Mutual Funds 25434V609   4,847,768 93,459 SH   DFND   93,459 0 0
DIMENSIONAL U.S. TARGETED VALUE Mutual Funds 25434V609   90,623,236 1,747,123 SH   SOLE   1,738,529 0 8,594
DIMENSIONAL WORLD EX U.S. CORE Mutual Funds 25434V880   9,908,946 389,808 SH   SOLE   389,808 0 0
DISNEY WALT CO Equities 254687106   296,976 2,991 SH   SOLE   2,991 0 0
DUKE ENERGY CORP NEW Equities 26441C204   1,016,332 10,140 SH   SOLE   10,140 0 0
EQUIFAX, INC. Equities 294429105   233,489 963 SH   SOLE   963 0 0
EXXON MOBIL CORP Equities 30231G102   1,648,288 14,318 SH   SOLE   14,318 0 0
F.N.B. CORP (PA) Equities 302520101   1,189,804 86,974 SH   SOLE   86,974 0 0
FIRST CITIZENS CL A Equities 31946M103   673,444 400 SH   SOLE   400 0 0
FREEPORT MCMORAN COPPER & GOLD Equities 35671D857   229,927 4,731 SH   SOLE   4,731 0 0
GENERAL DYNAMICS Equities 369550108   309,579 1,067 SH   SOLE   1,067 0 0
GENERAL ELEC CO Equities 369604301   939,195 5,909 SH   SOLE   5,909 0 0
GENERAL MILLS Equities 370334104   265,439 4,196 SH   SOLE   4,196 0 0
HILTON WORLDWIDE HLDGS WI Equities 43300A203   271,004 1,242 SH   SOLE   1,242 0 0
HOME DEPOT, INC. Equities 437076102   1,182,464 3,435 SH   SOLE   3,435 0 0
IBM CORP. Equities 459200101   865,442 5,004 SH   SOLE   5,004 0 0
ILLINOIS TOOL WORKS Equities 452308109   333,640 1,408 SH   SOLE   1,408 0 0
INVESCO QQQ TRUST SERIES 1 Mutual Funds 46090E103   334,419 698 SH   SOLE   698 0 0
ISHARES S&P MIDCAP 400 Mutual Funds 464287507   4,779,036 81,665 SH   SOLE   81,665 0 0
ISHARES CORE MSCI EAFE Mutual Funds 46432F842   232,085 3,195 SH   SOLE   3,195 0 0
ISHARES CORE S&P 500 Mutual Funds 464287200   3,572,317 6,528 SH   SOLE   6,528 0 0
ISHARES CORE S&P SMALL CAP Mutual Funds 464287804   266,757 2,501 SH   SOLE   2,501 0 0
ISHARES CORE US AGGREGATE BOND Mutual Funds 464287226   283,444 2,920 SH   SOLE   2,920 0 0
ISHARES MSCI EAFE Mutual Funds 464287465   320,918 4,097 SH   SOLE   4,097 0 0
ISHARES MSCI EAFE SMALL CAP Mutual Funds 464288273   1,296,597 21,035 SH   SOLE   21,035 0 0
ISHARES MSCI EMERGING MKTS SMAL Mutual Funds 464286475   635,288 10,395 SH   SOLE   10,395 0 0
ISHARES RUSSELL 1000 GROWTH Mutual Funds 464287614   1,826,560 5,011 SH   SOLE   5,011 0 0
ISHARES RUSSELL 1000 VALUE Mutual Funds 464287598   1,060,429 6,078 SH   SOLE   6,078 0 0
ISHARES RUSSELL 2000 Mutual Funds 464287655   3,264,297 16,089 SH   SOLE   16,089 0 0
ISHARES RUSSELL 2000 GROWTH Mutual Funds 464287648   203,461 775 SH   SOLE   775 0 0
ISHARES RUSSELL MID-CAP ETF Mutual Funds 464287499   733,369 9,045 SH   SOLE   9,045 0 0
ISHARES S&P 500 BARRA VALUE Mutual Funds 464287408   762,622 4,190 SH   SOLE   4,190 0 0
ISHARES S&P 500 GROWTH Mutual Funds 464287309   557,368 6,023 SH   SOLE   6,023 0 0
J.P. MORGAN CHASE & Equities 46625H100   1,001,592 4,952 SH   SOLE   4,952 0 0
JOHNSON & JOHNSON Equities 478160104   1,339,849 9,167 SH   SOLE   9,167 0 0
KIMBERLY-CLARK Equities 494368103   331,680 2,400 SH   SOLE   2,400 0 0
L3HARRIS TECHNOLOGIES INC Equities 502431109   271,742 1,210 SH   SOLE   1,210 0 0
LILLY ELI & CO. Equities 532457108   561,336 620 SH   SOLE   620 0 0
LIVE OAK BANCSHARES INC Equities 53803X105   11,590,836 330,600 SH   SOLE   330,600 0 0
LOWES COMPANIES Equities 548661107   234,569 1,064 SH   DFND   1,064 0 0
LOWES COMPANIES Equities 548661107   1,098,773 4,984 SH   SOLE   4,984 0 0
MANULIFE FINL CORP Equities 56501R106   240,139 9,021 SH   SOLE   9,021 0 0
MCDONALDS CORP Equities 580135101   662,329 2,599 SH   SOLE   2,599 0 0
MERCK & CO INC NEWCOM Equities 58933Y105   2,993,113 24,177 SH   SOLE   24,177 0 0
META PLATFORMS INC. CL A Equities 30303M102   989,784 1,963 SH   SOLE   1,963 0 0
MICROSOFT CORPORATION Equities 594918104   450,973 1,009 SH   DFND   1,009 0 0
MICROSOFT CORPORATION Equities 594918104   5,940,859 13,292 SH   SOLE   13,292 0 0
NCINO INC COM Equities 63947X101   4,142,657 131,722 SH   SOLE   131,722 0 0
NEXTERA ENERGY INCCOM Equities 65339F101   35,688 504 SH   DFND   504 0 0
NEXTERA ENERGY INCCOM Equities 65339F101   207,473 2,930 SH   SOLE   2,930 0 0
NVIDIA CORP Equities 67066G104   822,776 6,660 SH   SOLE   6,660 0 0
ORACLE CORP Equities 68389X105   298,497 2,114 SH   SOLE   2,114 0 0
PARKER HANNIFIN CORP Equities 701094104   321,189 635 SH   SOLE   635 0 0
PAYCHEX INC Equities 704326107   545,495 4,601 SH   SOLE   4,601 0 0
PEPSICO, INC. Equities 713448108   708,539 4,296 SH   SOLE   4,296 0 0
PFIZER INC Equities 717081103   764,637 27,328 SH   SOLE   27,328 0 0
PROCTER & GAMBLE CO Equities 742718109   1,190,063 7,216 SH   SOLE   7,216 0 0
ROYAL BANK OF CANADA Equities 780087102   2,640,139 24,818 SH   SOLE   24,818 0 0
SCHWAB US LARGE CAP GROWTH ETF Mutual Funds 808524300   250,083 2,480 SH   SOLE   2,480 0 0
SONOCO PRODUCTS CO Equities 835495102   740,005 14,590 SH   SOLE   14,590 0 0
SOUTHERN CO. Equities 842587107   334,249 4,309 SH   SOLE   4,309 0 0
SPDR PORTFOLIO LARGE CAP ETF Mutual Funds 78464A854   389,056 6,079 SH   SOLE   6,079 0 0
SPDR S&P 500 Mutual Funds 78462F103   17,107,011 31,434 SH   SOLE   31,434 0 0
STATE STREET CORP Equities 857477103   304,658 4,117 SH   SOLE   4,117 0 0
SYSCO CORP Equities 871829107   216,240 3,029 SH   SOLE   3,029 0 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100   463,204 2,665 SH   SOLE   2,665 0 0
TARGET CORP. Equities 87612E106   521,693 3,524 SH   SOLE   3,524 0 0
TESLA MOTORS INC Equities 88160R101   712,566 3,601 SH   SOLE   3,601 0 0
TG THERAPEUTICS INC Equities 88322Q108   188,574 10,600 SH   SOLE   10,600 0 0
TJX COS INC Equities 872540109   267,213 2,427 SH   SOLE   2,427 0 0
TRUIST FINANCIAL ORD SHS Equities 89832Q109   946,114 24,353 SH   SOLE   24,353 0 0
UNITEDHEALTH GRP INC Equities 91324P102   1,073,520 2,108 SH   SOLE   2,108 0 0
VANGUARD FTSE ALL WORLD SC ETF Mutual Funds 922042718   501,682 4,270 SH   SOLE   4,270 0 0
VANGUARD FTSE DEVELOPED MKTS ET Mutual Funds 921943858   7,087,490 143,413 SH   SOLE   143,413 0 0
VANGUARD FTSE EMERGING MARKETS Mutual Funds 922042858   2,875,082 65,701 SH   SOLE   65,701 0 0
VANGUARD GROWTH ETF Mutual Funds 922908736   3,011,903 8,053 SH   SOLE   8,053 0 0
VANGUARD MID-CAP ETF Mutual Funds 922908629   14,150,503 58,449 SH   SOLE   58,449 0 0
VANGUARD S&P 500 Mutual Funds 922908363   22,657,389 45,303 SH   SOLE   45,303 0 0
VANGUARD SM-CAP ETF Mutual Funds 922908595   1,109,577 4,436 SH   SOLE   4,436 0 0
VANGUARD SMALL CAP VALUE ETF Mutual Funds 922908611   886,317 4,856 SH   SOLE   4,856 0 0
VANGUARD SMALL-CAP ETF Mutual Funds 922908751   8,191,307 37,568 SH   SOLE   37,568 0 0
VANGUARD VALUE ETF Mutual Funds 922908744   3,018,916 18,820 SH   SOLE   18,820 0 0
VERIZON COMM INC Equities 92343V104   205,994 4,995 SH   SOLE   4,995 0 0
VISA INC Equities 92826C839   1,120,222 4,268 SH   SOLE   4,268 0 0
VULCAN MATERIALS CO Equities 929160109   312,342 1,256 SH   SOLE   1,256 0 0
WAL-MART STORES INC Equities 931142103   1,727,214 25,509 SH   SOLE   25,509 0 0
WASTE MANAGEMENT INC Equities 94106L109   403,426 1,891 SH   SOLE   1,891 0 0