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
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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
AFLAC INC COM 001055102   608,223 7,907 SH   SOLE 0 0 0 7,907
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   1,139,808 27,419 SH   SOLE 0 0 0 27,419
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   200,577 3,830 SH   SOLE 0 0 0 3,830
ISHARES INC MSCI EMRG CHN 46434G764   389,956 7,044 SH   SOLE 0 0 0 7,044
ISHARES INC CORE MSCI EMKT 46434G103   758,175 15,197 SH   SOLE 0 0 0 15,197
ISHARES TR MSCI USA QLT FCT 46432F339   2,027,520 13,125 SH   SOLE 0 0 0 13,125
ISHARES TR 0-5YR HI YL CP 46434V407   3,306,651 78,301 SH   SOLE 0 0 0 78,301
ISHARES TR TRS FLT RT BD 46434V860   593,181 11,739 SH   SOLE 0 0 0 11,739
ISHARES TR CORE TOTAL USD 46434V613   2,605,387 57,111 SH   SOLE 0 0 0 57,111
ISHARES TR ESG AWR MSCI USA 46435G425   854,561 7,861 SH   SOLE 0 0 0 7,861
ISHARES TR 20 YR TR BD ETF 464287432   653,711 6,878 SH   SOLE 0 0 0 6,878
ISHARES TR RUS TP200 GR ETF 464289438   19,052,378 101,988 SH   SOLE 0 0 0 101,988
ISHARES TR S&P 500 VAL ETF 464287408   1,448,038 8,266 SH   SOLE 0 0 0 8,266
ISHARES TR GLOBAL ENERG ETF 464287341   1,497,919 38,646 SH   SOLE 0 0 0 38,646
ISHARES TR U.S. TECH ETF 464287721   1,077,234 8,292 SH   SOLE 0 0 0 8,292
ISHARES TR EAFE VALUE ETF 464288877   2,215,268 43,191 SH   SOLE 0 0 0 43,191
ISHARES TR EAFE GRWTH ETF 464288885   1,388,158 14,153 SH   SOLE 0 0 0 14,153
ISHARES TR MBS ETF 464288588   1,032,895 11,141 SH   SOLE 0 0 0 11,141
ISHARES TR US INFRASTRUC 46435U713   288,847 7,475 SH   SOLE 0 0 0 7,475
LOWES COS INC COM 548661107   1,168,905 5,359 SH   SOLE 0 0 0 5,359
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   14,405,178 391,871 SH   SOLE 0 0 0 391,871
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   9,345,066 125,353 SH   SOLE 0 0 0 125,353
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,564,639 33,933 SH   SOLE 0 0 0 33,933
SOUTHERN CO COM 842587107   451,445 6,698 SH   SOLE 0 0 0 6,698
SPDR SER TR PORTFOLIO S&P500 78464A854   10,900,755 187,556 SH   SOLE 0 0 0 187,556
VANGUARD INDEX FDS TOTAL STK MKT 922908769   23,948,995 97,811 SH   SOLE 0 0 0 97,811
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   5,353,775 92,021 SH   SOLE 0 0 0 92,021