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   2,735,100 7,891 SH   SOLE   0 0 7,891
APPLE INC COM 037833100   1,284,247 7,489 SH   SOLE   0 0 7,489
APTARGROUP INC COM 038336103   1,763,824 12,258 SH   SOLE   0 0 12,258
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   6,180,382 14,697 SH   SOLE   0 0 14,697
CARLISLE COS INC COM 142339100   1,916,625 4,891 SH   SOLE   0 0 4,891
CHURCH & DWIGHT CO INC COM 171340102   2,234,259 21,419 SH   SOLE   0 0 21,419
CVS HEALTH CORP COM 126650100   3,621,764 45,408 SH   SOLE   0 0 45,408
EXXON MOBIL CORP COM 30231G102   3,073,066 26,437 SH   SOLE   0 0 26,437
FIRST TR EXCH TRD ALPHDX FD EM SML CP ALPH 33737J307   2,279,639 58,890 SH   SOLE   0 0 58,890
GLOBAL PMTS INC COM 37940X102   228,559 1,710 SH   SOLE   0 0 1,710
HOME DEPOT INC COM 437076102   537,424 1,401 SH   SOLE   0 0 1,401
INVESCO QQQ TR UNIT SER 1 46090E103   6,381,532 14,372 SH   SOLE   0 0 14,372
ISHARES GOLD TR ISHARES NEW 464285204   14,184,971 337,657 SH   SOLE   0 0 337,657
ISHARES TR 20 YR TR BD ETF 464287432   4,909,530 51,887 SH   SOLE   0 0 51,887
ISHARES TR INTERNATIONAL SL 46434V266   5,176,102 156,947 SH   SOLE   0 0 156,947
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   54,151,596 1,160,930 SH   SOLE   0 0 1,160,930
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   14,769,334 291,079 SH   SOLE   0 0 291,079
JOHNSON & JOHNSON COM 478160104   5,005,876 31,645 SH   SOLE   0 0 31,645
LOCKHEED MARTIN CORP COM 539830109   204,692 450 SH   SOLE   0 0 450
MICROSOFT CORP COM 594918104   5,826,861 13,850 SH   SOLE   0 0 13,850
NVIDIA CORPORATION COM 67066G104   248,496 275 SH   SOLE   0 0 275
PACER FDS TR EMRG MKT CASH 69374H865   2,942,636 146,509 SH   SOLE   0 0 146,509
PACER FDS TR PACER US SMALL 69374H857   3,458,468 70,351 SH   SOLE   0 0 70,351
PEPSICO INC COM 713448108   2,984,334 17,052 SH   SOLE   0 0 17,052
PROCTER AND GAMBLE CO COM 742718109   3,322,091 20,475 SH   SOLE   0 0 20,475
QUALCOMM INC COM 747525103   3,284,490 19,400 SH   SOLE   0 0 19,400
ROSS STORES INC COM 778296103   1,798,221 12,253 SH   SOLE   0 0 12,253
RTX CORPORATION COM 75513E101   3,070,045 31,478 SH   SOLE   0 0 31,478
SCHWAB CHARLES CORP COM 808513105   2,038,480 28,179 SH   SOLE   0 0 28,179
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   23,011,063 285,391 SH   SOLE   0 0 285,391
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   13,052,171 140,770 SH   SOLE   0 0 140,770
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,979,269 82,323 SH   SOLE   0 0 82,323
SPDR SER TR PORTFOLIO LN TSR 78464A664   7,462,142 267,077 SH   SOLE   0 0 267,077
TESLA INC COM 88160R101   221,495 1,260 SH   SOLE   0 0 1,260
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   31,925,681 549,779 SH   SOLE   0 0 549,779
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   4,397,216 68,868 SH   SOLE   0 0 68,868
VULCAN MATLS CO COM 929160109   210,148 770 SH   SOLE   0 0 770
WALMART INC COM 931142103   2,825,124 46,952 SH   SOLE   0 0 46,952