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
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
iShares Core US Aggregate Bond ETF COM 464287226 50,838 430,142 SH   SOLE   430,142 0 0
Apple Computer Inc COM 037833100 18,739 141,225 SH   SOLE   141,225 0 0
Microsoft Corp COM 594918104 13,514 60,761 SH   SOLE   60,761 0 0
Berkshire Hathaway B COM 084670702 13,047 56,268 SH   SOLE   56,268 0 0
SPDRR Blmbg Barclays 1-10 Year TIPS ETF COM 78468R861 9,900 473,583 SH   SOLE   473,583 0 0
Pepsi Co COM 713448108 9,740 65,679 SH   SOLE   65,679 0 0
iShares Core MSCI EAFE COM 46432F842 9,608 139,070 SH   SOLE   139,070 0 0
Johnson & Johnson COM 478160104 8,966 56,971 SH   SOLE   56,971 0 0
Tractor Supply Company COM 892356106 8,538 60,735 SH   SOLE   60,735 0 0
Vanguard FTSE All-Wld ex-US ETF COM 922042775 7,810 133,831 SH   SOLE   133,831 0 0
Lowes Companies Inc COM 548661107 7,694 47,934 SH   SOLE   47,934 0 0
Amazon Com Inc COM 023135106 7,623 2,341 SH   SOLE   2,341 0 0
Wal-Mart Stores Inc COM 931142103 7,481 51,898 SH   SOLE   51,898 0 0
Alphabet Inc Class A COM 02079K305 7,443 4,247 SH   SOLE   4,247 0 0
Stryker COM 863667101 7,078 28,883 SH   SOLE   28,883 0 0
Roper Industries Inc COM 776696106 7,065 16,389 SH   SOLE   16,389 0 0
Walt Disney Co COM 254687106 6,745 37,230 SH   SOLE   37,230 0 0
Cisco Systems Inc COM 17275R102 6,634 148,249 SH   SOLE   148,249 0 0
Facebook Inc. Com COM 30303M102 6,322 23,143 SH   SOLE   23,143 0 0
J P Morgan Chase & Co COM 46625H100 6,222 48,964 SH   SOLE   48,964 0 0
McDonalds Corp COM 580135101 6,104 28,445 SH   SOLE   28,445 0 0
Intel Corp COM 458140100 5,870 117,821 SH   SOLE   117,821 0 0
Home Depot Inc COM 437076102 5,376 20,239 SH   SOLE   20,239 0 0
Union Pacific Corp COM 907818108 5,132 24,647 SH   SOLE   24,647 0 0
Pfizer Inc COM 717081103 4,873 132,388 SH   SOLE   132,388 0 0
SPDRR Gold Shares COM 78463V107 4,773 26,762 SH   SOLE   26,762 0 0
Mastercard Inc COM 57636Q104 4,600 12,888 SH   SOLE   12,888 0 0
iShares Core S&P Mid-Cap ETF COM 464287507 4,346 18,912 SH   SOLE   18,912 0 0
Procter & Gamble COM 742718109 4,007 28,797 SH   SOLE   28,797 0 0
Ecolab Inc COM 278865100 3,923 18,133 SH   SOLE   18,133 0 0
Vanguard 500 ETF COM 922908363 3,901 11,351 SH   SOLE   11,351 0 0
Broadcom Inc Com COM 11135F101 3,631 8,292 SH   SOLE   8,292 0 0
Stanley Black & Decker Inc Com COM 854502101 3,313 18,551 SH   SOLE   18,551 0 0
iShares NASDAQ Biotech COM 464287556 2,983 19,690 SH   SOLE   19,690 0 0
Target Corporation COM 87612E106 2,956 16,745 SH   SOLE   16,745 0 0
Anheuser-Busch InBev SA/NV ADR COM 03524A108 2,871 41,065 SH   SOLE   41,065 0 0
Unilever PLC ADR COM 904767704 2,741 45,403 SH   SOLE   45,403 0 0
Vanguard Total Stock Market ETF COM 922908769 2,664 13,686 SH   SOLE   13,686 0 0
Vanguard Short-Term Treasury ETF COM 92206C102 2,523 40,950 SH   SOLE   40,950 0 0
iShares Core MSCI Emerging Markets COM 46434G103 2,405 38,760 SH   SOLE   38,760 0 0
Aptiv COM G6095L109 2,380 18,265 SH   SOLE   18,265 0 0
Valero Energy Corporation COM 91913Y100 2,318 40,981 SH   SOLE   40,981 0 0
Vanguard Intmdt-Term Trs ETF COM 92206C706 2,251 32,420 SH   SOLE   32,420 0 0
iShares Core S&P Small-Cap ETF COM 464287804 2,227 24,229 SH   SOLE   24,229 0 0
Lincoln National Corp COM 534187109 2,038 40,508 SH   SOLE   40,508 0 0
Nextera Energy Inc Com COM 65339F101 1,897 24,588 SH   SOLE   24,588 0 0
Unitedhealth Group Inc COM 91324P102 1,881 5,364 SH   SOLE   5,364 0 0
Verizon Communications COM 92343V104 1,803 30,686 SH   SOLE   30,686 0 0
VanEck Vectors AMT-Free Interm Muni ETF COM 92189H201 1,759 33,799 SH   SOLE   33,799 0 0
Thermo Fisher Scientific Inc COM 883556102 1,756 3,769 SH   SOLE   3,769 0 0
ETFS Physical Silver COM 003264108 1,697 66,415 SH   SOLE   66,415 0 0
SPDRR Gold MiniShares COM 98149E204 1,533 80,963 SH   SOLE   80,963 0 0
Duke Energy Corporation COM 26441C204 1,523 16,633 SH   SOLE   16,633 0 0
Automatic Data Processing COM 053015103 1,522 8,640 SH   SOLE   8,640 0 0
SPDR Nuveen Barclays Cap Sh Term FD COM 78468R739 1,478 29,676 SH   SOLE   29,676 0 0
Constellation Brand Cl A COM 21036P108 1,393 6,358 SH   SOLE   6,358 0 0
Darden Restaurants Inc COM 237194105 1,386 11,637 SH   SOLE   11,637 0 0
iShares Global REIT ETF COM 46434V647 1,317 55,039 SH   SOLE   55,039 0 0
Amgen, Inc. COM 031162100 1,293 5,624 SH   SOLE   5,624 0 0
Corning Inc COM 219350105 1,257 34,928 SH   SOLE   34,928 0 0
Merck & Co Inc COM 58933Y105 1,210 14,796 SH   SOLE   14,796 0 0
Alphabet Inc Class C COM 02079K107 1,202 686 SH   SOLE   686 0 0
Markel Holdings COM 570535104 1,196 1,157 SH   SOLE   1,157 0 0
Vanguard Short-Term Bond Index Fund ETF COM 921937827 1,181 14,245 SH   SOLE   14,245 0 0
iShares Barclay Tips COM 464287176 1,174 9,198 SH   SOLE   9,198 0 0
iPathR Bloomberg Cmdty TR ETN COM 06738C778 1,127 51,445 SH   SOLE   51,445 0 0
Vanguard Dividend Appreciation ETF COM 921908844 1,083 7,671 SH   SOLE   7,671 0 0
Vanguard FTSE Developed Markets ETF COM 921943858 1,031 21,839 SH   SOLE   21,839 0 0
Deere & Co COM 244199105 1,024 3,805 SH   SOLE   3,805 0 0
Vanguard FTSE Emerging Markets ETF COM 922042858 1,023 20,417 SH   SOLE   20,417 0 0
Emerson Electric COM 291011104 1,007 12,524 SH   SOLE   12,524 0 0
Qualcomm Inc COM 747525103 1,002 6,575 SH   SOLE   6,575 0 0
Allison Transmission COM 01973R101 981 22,747 SH   SOLE   22,747 0 0
Accenture Ltd Cl A COM G1151C101 962 3,682 SH   SOLE   3,682 0 0
Real Estate Select Sector SPDR COM 81369Y860 877 23,992 SH   SOLE   23,992 0 0
Bank of America Corp. COM 060505104 870 28,695 SH   SOLE   28,695 0 0
Philip Morris Intl COM 718172109 869 10,495 SH   SOLE   10,495 0 0
Exxon Mobil Corp. COM 30231G102 865 20,984 SH   SOLE   20,984 0 0
First Bancorp N C COM 318910106 857 25,340 SH   SOLE   25,340 0 0
Global Payments Inc COM 37940X102 816 3,786 SH   SOLE   3,786 0 0
Royal Bk Cda Montreal COM 780087102 811 9,878 SH   SOLE   9,878 0 0
Chevron Corp COM 166764100 805 9,535 SH   SOLE   9,535 0 0
General Mills Inc COM 370334104 792 13,461 SH   SOLE   13,461 0 0
iShares National Muni Bond ETF COM 464288414 782 6,671 SH   SOLE   6,671 0 0
Coca Cola Company COM 191216100 766 13,971 SH   SOLE   13,971 0 0
Toro Co Com COM 891092108 759 8,000 SH   SOLE   8,000 0 0
Vanguard Total International Stock COM 921909768 742 12,340 SH   SOLE   12,340 0 0
SPDRR S&P 500 ETF COM 78462F103 737 1,972 SH   SOLE   1,972 0 0
Annaly Capital COM 035710870 687 27,195 SH   SOLE   27,195 0 0
Abbott Laboratories COM 002824100 682 6,230 SH   SOLE   6,230 0 0
Oracle Corporation COM 68389X105 678 10,480 SH   SOLE   10,480 0 0
CVS Corp COM 126650100 667 9,769 SH   SOLE   9,769 0 0
Vanguard FTSE Europe ETF COM 922042874 660 10,950 SH   SOLE   10,950 0 0
Altria Group Inc COM 02209S103 658 16,040 SH   SOLE   16,040 0 0
Conoco-Phillips COM 20825C104 655 16,378 SH   SOLE   16,378 0 0
Sysco Corp COM 871829107 654 8,803 SH   SOLE   8,803 0 0
Yum Brands Inc Com COM 988498101 634 5,842 SH   SOLE   5,842 0 0
Vanguard Mid-Cap Value ETF COM 922908512 603 5,069 SH   SOLE   5,069 0 0
NBT Bancorp Inc COM 628778102 574 17,897 SH   SOLE   17,897 0 0
Ishares Silver Trust COM 46428Q109 570 23,200 SH   SOLE   23,200 0 0
iShares Russell 2500 ETF COM 46435G268 569 10,025 SH   SOLE   10,025 0 0
Bristol-Myers Squibb Co COM 110122108 562 9,058 SH   SOLE   9,058 0 0
Abbvie Inc COM 00287Y109 558 5,209 SH   SOLE   5,209 0 0
AT&T COM 00206R102 541 18,827 SH   SOLE   18,827 0 0
Vanguard Tax-Exempt Bond ETF COM 922907746 535 9,700 SH   SOLE   9,700 0 0
Nestle S A Reg B Adr COM 641069406 526 4,469 SH   SOLE   4,469 0 0
Truist Finl Corp Com COM 89832Q109 514 10,721 SH   SOLE   10,721 0 0
Vanguard MSCI US Small Cap Growth COM 922908595 497 1,857 SH   SOLE   1,857 0 0
Capital One Financial Corp COM 14040H105 494 5,000 SH   SOLE   5,000 0 0
Russell Midcap ETF COM 464287499 494 7,200 SH   SOLE   7,200 0 0
iShares Floating Rate Bond ETF COM 46429B655 488 9,630 SH   SOLE   9,630 0 0
3M Company COM 88579Y101 479 2,740 SH   SOLE   2,740 0 0
Vanguard Short-Term Corporate Bond ETF COM 92206C409 478 5,740 SH   SOLE   5,740 0 0
Eaton Corp PLC COM G29183103 477 3,969 SH   SOLE   3,969 0 0
Lilly Eli & Company COM 532457108 464 2,750 SH   SOLE   2,750 0 0
Visa Inc Cl A COM 92826C839 463 2,118 SH   SOLE   2,118 0 0
SCE Trust IV COM 78409G206 460 18,975 SH   SOLE   18,975 0 0
Trane Inc COM G8994E103 458 3,155 SH   SOLE   3,155 0 0
The Southern Company COM 842587107 438 7,122 SH   SOLE   7,122 0 0
Assured Gty Muni PFD 04623A304 432 16,765 SH   SOLE   16,765 0 0
CF Industries Holdings Inc COM 125269100 427 11,018 SH   SOLE   11,018 0 0
iShares CEF Real Estate COM 464287739 411 4,795 SH   SOLE   4,795 0 0
Dominion Resources Inc VA New COM 25746U109 410 5,454 SH   SOLE   5,454 0 0
Fedex Corporation COM 31428X106 408 1,573 SH   SOLE   1,573 0 0
Sector Spdr Health Fund COM 81369Y209 398 3,505 SH   SOLE   3,505 0 0
Sector Spdr Engy Select COM 81369Y506 395 10,429 SH   SOLE   10,429 0 0
Enbridge Inc COM 29250N105 393 12,300 SH   SOLE   12,300 0 0
Eversource Energy COM 30040W108 392 4,527 SH   SOLE   4,527 0 0
Nvidia Corp COM 67066G104 391 748 SH   SOLE   748 0 0
Baxter International Inc COM 071813109 377 4,703 SH   SOLE   4,703 0 0
Raytheon Technologies Ord COM 75513E101 367 5,135 SH   SOLE   5,135 0 0
Four Corners Property Trust COM 35086T109 356 11,957 SH   SOLE   11,957 0 0
Sector Spdr Tech Select COM 81369Y803 351 2,700 SH   SOLE   2,700 0 0
Mondelez COM 609207105 350 5,992 SH   SOLE   5,992 0 0
Paypal Holdings Inc COM 70450Y103 350 1,493 SH   SOLE   1,493 0 0
Tesla Motors Inc COM 88160R101 346 490 SH   SOLE   490 0 0
SPDRR Blmbg Barclays 1-3 Mth T-Bill ETF COM 78468R663 339 3,700 SH   SOLE   3,700 0 0
Yum China Holdings I COM 98850P109 336 5,893 SH   SOLE   5,893 0 0
Honeywell, Inc. COM 438516106 334 1,569 SH   SOLE   1,569 0 0
Northrop Grumman Corp COM 666807102 329 1,079 SH   SOLE   1,079 0 0
Russell 2000 Growth ETF COM 464287648 325 1,133 SH   SOLE   1,133 0 0
Blackrock Core Bd TRUST COM 09249E101 322 19,750 SH   SOLE   19,750 0 0
Texas Instruments Inc COM 882508104 314 1,914 SH   SOLE   1,914 0 0
Dupont De Nemours Inc COM 26614N102 309 4,344 SH   SOLE   4,344 0 0
Paychex Inc COM 704326107 299 3,213 SH   SOLE   3,213 0 0
Cambria Tail Risk ETF COM 132061862 298 14,500 SH   SOLE   14,500 0 0
Vanguard IT ETF COM 92204A702 294 830 SH   SOLE   830 0 0
General Electric Co. COM 369604103 292 27,048 SH   SOLE   27,048 0 0
L3Harris Technologies Ord COM 502431109 286 1,512 SH   SOLE   1,512 0 0
Kimberly-Clark Corp COM 494368103 282 2,094 SH   SOLE   2,094 0 0
SPDRR Portfolio Mid Cap ETF COM 78464A847 271 6,715 SH   SOLE   6,715 0 0
Dow Inc COM 260557103 264 4,764 SH   SOLE   4,764 0 0
Goldman Sachs Gp Dep Shs COM 38143Y665 254 10,327 SH   SOLE   10,327 0 0
Fifth Third Bancorp COM 316773100 254 9,199 SH   SOLE   9,199 0 0
International Business Machines COM 459200101 248 1,973 SH   SOLE   1,973 0 0
Hometrust Bancshares Inc COM 437872104 243 12,600 SH   SOLE   12,600 0 0
Magellan Midstream Partne COM 559080106 239 5,620 SH   SOLE   5,620 0 0
SPDRR S&P Emerging Markets ETF COM 78463X509 237 5,630 SH   SOLE   5,630 0 0
iShares MSCI EAFE ETF COM 464287465 237 3,250 SH   SOLE   3,250 0 0
Amern Tower Corp Class A COM 03027X100 236 1,053 SH   SOLE   1,053 0 0
S & P Global Inc COM 78409V104 230 700 SH   SOLE   700 0 0
Waste Management, Inc. COM 94106L109 219 1,855 SH   SOLE   1,855 0 0
Plains All Amer Pipeline COM 726503105 216 26,245 SH   SOLE   26,245 0 0
Boston Scientific Corp Co COM 101137107 216 6,000 SH   SOLE   6,000 0 0
iShares COMEX Gold Trust COM 464285105 215 11,850 SH   SOLE   11,850 0 0
Streettracks Series Trust SPDR Pharmaceuticals COM 78464A722 213 4,100 SH   SOLE   4,100 0 0
Public Service Enterprise Group Inc COM 744573106 212 3,635 SH   SOLE   3,635 0 0
Medtronic PLC COM G5960L103 211 1,805 SH   SOLE   1,805 0 0
Alerian MLP ETF COM 00162Q452 208 8,099 SH   SOLE   8,099 0 0
Becton Dickinson COM 075887109 204 817 SH   SOLE   817 0 0
Partnerre Ltd PFD G68603136 203 7,919 SH   SOLE   7,919 0 0
Wells Fargo & Co COM 949746101 203 6,718 SH   SOLE   6,718 0 0
Vanguard High Dividend Yield ETF COM 921946406 201 2,195 SH   SOLE   2,195 0 0