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 57,859 503,869 SH   SOLE   503,869 0 0
Apple Computer Inc COM 037833100 19,585 138,410 SH   SOLE   138,410 0 0
Microsoft Corp COM 594918104 15,822 56,123 SH   SOLE   56,123 0 0
Berkshire Hathaway B COM 084670702 15,063 55,188 SH   SOLE   55,188 0 0
SPDRR Blmbg Barclays 1-10 Year TIPS ETF COM 78468R861 12,613 597,789 SH   SOLE   597,789 0 0
Tractor Supply Company COM 892356106 12,582 62,101 SH   SOLE   62,101 0 0
3M Company COM 88579Y101 12,164 69,340 SH   SOLE   69,340 0 0
iShares Core MSCI EAFE COM 46432F842 10,709 144,235 SH   SOLE   144,235 0 0
Pepsi Co COM 713448108 10,283 68,365 SH   SOLE   68,365 0 0
Alphabet Inc Class A COM 02079K305 10,216 3,821 SH   SOLE   3,821 0 0
Johnson & Johnson COM 478160104 9,352 57,909 SH   SOLE   57,909 0 0
Lowes Companies Inc COM 548661107 8,943 44,084 SH   SOLE   44,084 0 0
Vanguard FTSE All-Wld ex-US ETF COM 922042775 8,325 136,558 SH   SOLE   136,558 0 0
Cisco Systems Inc COM 17275R102 8,023 147,396 SH   SOLE   147,396 0 0
Amazon Com Inc COM 023135106 7,943 2,418 SH   SOLE   2,418 0 0
J P Morgan Chase & Co COM 46625H100 7,557 46,164 SH   SOLE   46,164 0 0
Roper Industries Inc COM 776696106 7,262 16,277 SH   SOLE   16,277 0 0
Stryker COM 863667101 7,249 27,487 SH   SOLE   27,487 0 0
Wal-Mart Stores Inc COM 931142103 7,181 51,520 SH   SOLE   51,520 0 0
Meta Platforms Inc Class A COM 30303M102 7,153 21,076 SH   SOLE   21,076 0 0
McDonalds Corp COM 580135101 6,917 28,689 SH   SOLE   28,689 0 0
Home Depot Inc COM 437076102 6,269 19,098 SH   SOLE   19,098 0 0
Pfizer Inc COM 717081103 6,110 142,066 SH   SOLE   142,066 0 0
Walt Disney Co COM 254687106 5,871 34,702 SH   SOLE   34,702 0 0
Union Pacific Corp COM 907818108 4,913 25,065 SH   SOLE   25,065 0 0
iShares Core S&P Mid-Cap ETF COM 464287507 4,554 17,312 SH   SOLE   17,312 0 0
Broadcom Inc Com COM 11135F101 4,472 9,222 SH   SOLE   9,222 0 0
Mastercard Inc COM 57636Q104 4,424 12,726 SH   SOLE   12,726 0 0
SPDRR Gold Shares COM 78463V107 4,114 25,054 SH   SOLE   25,054 0 0
Vanguard 500 ETF COM 922908363 4,060 10,295 SH   SOLE   10,295 0 0
Ecolab Inc COM 278865100 3,998 19,165 SH   SOLE   19,165 0 0
Accenture Ltd Cl A COM G1151C101 3,839 12,000 SH   SOLE   12,000 0 0
Intel Corp COM 458140100 3,771 70,774 SH   SOLE   70,774 0 0
Procter & Gamble COM 742718109 3,647 26,090 SH   SOLE   26,090 0 0
iShares NASDAQ Biotech COM 464287556 3,433 21,236 SH   SOLE   21,236 0 0
Stanley Black & Decker Inc Com COM 854502101 3,277 18,695 SH   SOLE   18,695 0 0
Valero Energy Corporation COM 91913Y100 3,097 43,891 SH   SOLE   43,891 0 0
Vanguard Total Stock Market ETF COM 922908769 3,053 13,748 SH   SOLE   13,748 0 0
Lincoln National Corp COM 534187109 2,785 40,508 SH   SOLE   40,508 0 0
iShares Core S&P Small-Cap ETF COM 464287804 2,448 22,424 SH   SOLE   22,424 0 0
SPDRR Gold MiniShares COM 98149E204 2,345 134,321 SH   SOLE   134,321 0 0
Vanguard Short-Term Treasury ETF COM 92206C102 2,275 37,044 SH   SOLE   37,044 0 0
iShares Core MSCI Emerging Markets COM 46434G103 2,214 35,853 SH   SOLE   35,853 0 0
Anheuser-Busch InBev SA/NV ADR COM 03524A108 2,206 39,130 SH   SOLE   39,130 0 0
Target Corporation COM 87612E106 2,158 9,434 SH   SOLE   9,434 0 0
Thermo Fisher Scientific Inc COM 883556102 2,090 3,658 SH   SOLE   3,658 0 0
iShares Russell 2500 ETF COM 46435G268 1,956 30,472 SH   SOLE   30,472 0 0
Unilever PLC ADR COM 904767704 1,948 35,923 SH   SOLE   35,923 0 0
Duke Energy Corporation COM 26441C204 1,873 19,193 SH   SOLE   19,193 0 0
Nextera Energy Inc Com COM 65339F101 1,843 23,472 SH   SOLE   23,472 0 0
Markel Holdings COM 570535104 1,780 1,489 SH   SOLE   1,489 0 0
VanEck Vectors AMT-Free Interm Muni ETF COM 92189H201 1,730 33,768 SH   SOLE   33,768 0 0
Unitedhealth Group Inc COM 91324P102 1,723 4,411 SH   SOLE   4,411 0 0
Automatic Data Processing COM 053015103 1,706 8,534 SH   SOLE   8,534 0 0
Alphabet Inc Class C COM 02079K107 1,642 616 SH   SOLE   616 0 0
Verizon Communications COM 92343V104 1,641 30,378 SH   SOLE   30,378 0 0
Darden Restaurants Inc COM 237194105 1,619 10,687 SH   SOLE   10,687 0 0
iPathR Bloomberg Cmdty TR ETN COM 06738C778 1,606 54,916 SH   SOLE   54,916 0 0
Real Estate Select Sector SPDR COM 81369Y860 1,536 34,557 SH   SOLE   34,557 0 0
Constellation Brand Cl A COM 21036P108 1,498 7,108 SH   SOLE   7,108 0 0
Allison Transmission COM 01973R101 1,464 41,442 SH   SOLE   41,442 0 0
SPDR Nuveen Barclays Cap Sh Term FD COM 78468R739 1,452 29,400 SH   SOLE   29,400 0 0
Vanguard Dividend Appreciation ETF COM 921908844 1,417 9,228 SH   SOLE   9,228 0 0
Conoco-Phillips COM 20825C104 1,410 20,802 SH   SOLE   20,802 0 0
Bank of America Corp. COM 060505104 1,396 32,879 SH   SOLE   32,879 0 0
Truist Finl Corp Com COM 89832Q109 1,309 22,321 SH   SOLE   22,321 0 0
iShares Global REIT ETF COM 46434V647 1,232 44,942 SH   SOLE   44,942 0 0
Aptiv COM G6095L109 1,194 8,012 SH   SOLE   8,012 0 0
Amgen, Inc. COM 031162100 1,191 5,600 SH   SOLE   5,600 0 0
Vanguard FTSE Emerging Markets ETF COM 922042858 1,179 23,572 SH   SOLE   23,572 0 0
First Bancorp N C COM 318910106 1,090 25,340 SH   SOLE   25,340 0 0
Exxon Mobil Corp. COM 30231G102 1,086 18,461 SH   SOLE   18,461 0 0
Vanguard Total International Stock COM 921909768 1,084 17,140 SH   SOLE   17,140 0 0
Corning Inc COM 219350105 1,065 29,179 SH   SOLE   29,179 0 0
Emerson Electric COM 291011104 1,036 10,999 SH   SOLE   10,999 0 0
iShares Barclay Tips COM 464287176 1,027 8,044 SH   SOLE   8,044 0 0
Vanguard Intmdt-Term Trs ETF COM 92206C706 1,023 15,150 SH   SOLE   15,150 0 0
Royal Bk Cda Montreal COM 780087102 1,003 10,078 SH   SOLE   10,078 0 0
Philip Morris Intl COM 718172109 995 10,495 SH   SOLE   10,495 0 0
Merck & Co Inc COM 58933Y105 972 12,942 SH   SOLE   12,942 0 0
Deere & Co COM 244199105 940 2,804 SH   SOLE   2,804 0 0
Chevron Corp COM 166764100 932 9,190 SH   SOLE   9,190 0 0
Nvidia Corp COM 67066G104 924 4,459 SH   SOLE   4,459 0 0
Oracle Corporation COM 68389X105 913 10,480 SH   SOLE   10,480 0 0
Vanguard FTSE Europe ETF COM 922042874 877 13,373 SH   SOLE   13,373 0 0
Vanguard FTSE Developed Markets ETF COM 921943858 875 17,331 SH   SOLE   17,331 0 0
SPDRR S&P 500 ETF COM 78462F103 856 1,995 SH   SOLE   1,995 0 0
Vanguard Short-Term Bond Index Fund ETF COM 921937827 840 10,255 SH   SOLE   10,255 0 0
SCE Trust IV COM 78409G206 834 33,627 SH   SOLE   33,627 0 0
Annaly Capital PFD 035710870 829 32,090 SH   SOLE   32,090 0 0
Visa Inc Cl A COM 92826C839 822 3,689 SH   SOLE   3,689 0 0
Altria Group Inc COM 02209S103 819 17,984 SH   SOLE   17,984 0 0
Toro Co Com COM 891092108 779 8,000 SH   SOLE   8,000 0 0
iShares National Muni Bond ETF COM 464288414 779 6,706 SH   SOLE   6,706 0 0
Vanguard Tax-Exempt Bond ETF COM 922907746 777 14,179 SH   SOLE   14,179 0 0
T J X Cos Inc COM 872540109 776 11,761 SH   SOLE   11,761 0 0
Abbott Laboratories COM 002824100 733 6,206 SH   SOLE   6,206 0 0
Qualcomm Inc COM 747525103 721 5,587 SH   SOLE   5,587 0 0
Yum Brands Inc Com COM 988498101 715 5,842 SH   SOLE   5,842 0 0
Coca Cola Company COM 191216100 697 13,285 SH   SOLE   13,285 0 0
Vanguard Mid-Cap Value ETF COM 922908512 677 4,850 SH   SOLE   4,850 0 0
General Mills Inc COM 370334104 674 11,261 SH   SOLE   11,261 0 0
Capital One Financial Corp COM 14040H105 664 4,100 SH   SOLE   4,100 0 0
Sysco Corp COM 871829107 656 8,363 SH   SOLE   8,363 0 0
CVS Corp COM 126650100 648 7,635 SH   SOLE   7,635 0 0
NBT Bancorp Inc COM 628778102 646 17,897 SH   SOLE   17,897 0 0
Russell Midcap ETF COM 464287499 638 8,157 SH   SOLE   8,157 0 0
Lilly Eli & Company COM 532457108 632 2,734 SH   SOLE   2,734 0 0
Alerian MLP ETF COM 00162Q452 615 18,464 SH   SOLE   18,464 0 0
Vanguard MSCI US Small Cap Growth COM 922908595 609 2,172 SH   SOLE   2,172 0 0
Abbvie Inc COM 00287Y109 548 5,080 SH   SOLE   5,080 0 0
Vanguard Total Bond Market ETF COM 921937835 548 6,409 SH   SOLE   6,409 0 0
Eaton Corp PLC COM G29183103 542 3,628 SH   SOLE   3,628 0 0
Global Payments Inc COM 37940X102 541 3,436 SH   SOLE   3,436 0 0
Nestle S A Reg B Adr COM 641069406 531 4,419 SH   SOLE   4,419 0 0
iShares CEF Real Estate COM 464287739 522 5,100 SH   SOLE   5,100 0 0
Texas Instruments Inc COM 882508104 519 2,698 SH   SOLE   2,698 0 0
Bristol-Myers Squibb Co COM 110122108 518 8,747 SH   SOLE   8,747 0 0
Nuveen Pfd & Conv Income Fund 2 COM 67073D102 508 77,450 SH   SOLE   77,450 0 0
Honeywell, Inc. COM 438516106 494 2,327 SH   SOLE   2,327 0 0
Enbridge Inc COM 29250N105 490 12,300 SH   SOLE   12,300 0 0
Ishares Silver Trust COM 46428Q109 481 23,450 SH   SOLE   23,450 0 0
AT&T COM 00206R102 472 17,460 SH   SOLE   17,460 0 0
Sector Spdr Health Fund COM 81369Y209 435 3,418 SH   SOLE   3,418 0 0
Raytheon Technologies Ord COM 75513E101 432 5,023 SH   SOLE   5,023 0 0
Sector Spdr Tech Select COM 81369Y803 426 2,850 SH   SOLE   2,850 0 0
CF Industries Holdings Inc COM 125269100 423 7,581 SH   SOLE   7,581 0 0
Sector Spdr Engy Select COM 81369Y506 416 7,979 SH   SOLE   7,979 0 0
Trane Inc COM G8994E103 414 2,400 SH   SOLE   2,400 0 0
iShares Floating Rate Bond ETF COM 46429B655 414 8,134 SH   SOLE   8,134 0 0
International Business Machines COM 459200101 399 2,873 SH   SOLE   2,873 0 0
Invesco CurrencySharesR Swiss Franc COM 46138R108 397 4,100 SH   SOLE   4,100 0 0
Vanguard Short-Term Corporate Bond ETF COM 92206C409 391 4,740 SH   SOLE   4,740 0 0
Fifth Third Bancorp COM 316773100 390 9,199 SH   SOLE   9,199 0 0
Northrop Grumman Corp COM 666807102 389 1,079 SH   SOLE   1,079 0 0
Tesla Motors Inc COM 88160R101 388 500 SH   SOLE   500 0 0
Goldman Sachs Gp Dep Shs PFD 38143Y665 364 14,547 SH   SOLE   14,547 0 0
Russell 2000 Growth ETF COM 464287648 353 1,202 SH   SOLE   1,202 0 0
Hometrust Bancshares Inc COM 437872104 353 12,600 SH   SOLE   12,600 0 0
Eversource Energy COM 30040W108 352 4,307 SH   SOLE   4,307 0 0
Fedex Corporation COM 31428X106 351 1,602 SH   SOLE   1,602 0 0
Mondelez COM 609207105 350 6,024 SH   SOLE   6,024 0 0
Paypal Holdings Inc COM 70450Y103 346 1,330 SH   SOLE   1,330 0 0
Yum China Holdings I COM 98850P109 342 5,893 SH   SOLE   5,893 0 0
Paychex Inc COM 704326107 336 2,984 SH   SOLE   2,984 0 0
Vanguard IT ETF COM 92204A702 333 830 SH   SOLE   830 0 0
L3Harris Technologies Ord COM 502431109 318 1,444 SH   SOLE   1,444 0 0
The Southern Company COM 842587107 317 5,118 SH   SOLE   5,118 0 0
JPMorgan Equity Premium Income ETF COM 46641Q332 311 5,220 SH   SOLE   5,220 0 0
SPDRR Portfolio Mid Cap ETF COM 78464A847 310 6,715 SH   SOLE   6,715 0 0
Four Corners Property Trust COM 35086T109 308 11,457 SH   SOLE   11,457 0 0
Baxter International Inc COM 071813109 306 3,804 SH   SOLE   3,804 0 0
Nuveen AMT-Free Municipal COM 670657105 304 20,007 SH   SOLE   20,007 0 0
S & P Global Inc COM 78409V104 300 705 SH   SOLE   705 0 0
Schwab US Aggregate Bond ETFT COM 808524839 296 5,450 SH   SOLE   5,450 0 0
General Electric Co. COM 369604301 295 2,862 SH   SOLE   2,862 0 0
Dominion Resources Inc VA New COM 25746U109 290 3,977 SH   SOLE   3,977 0 0
Dupont De Nemours Inc COM 26614N102 290 4,259 SH   SOLE   4,259 0 0
iShares COMEX Gold Trust COM 464285204 277 8,297 SH   SOLE   8,297 0 0
Plains All Amer Pipeline COM 726503105 273 26,845 SH   SOLE   26,845 0 0
Dow Inc COM 260557103 269 4,679 SH   SOLE   4,679 0 0
Blackrock Core Bd TRUST COM 09249E101 269 16,250 SH   SOLE   16,250 0 0
Waste Management, Inc. COM 94106L109 263 1,764 SH   SOLE   1,764 0 0
Waters Corp COM 941848103 262 734 SH   SOLE   734 0 0
Boston Scientific Corp Co COM 101137107 260 6,000 SH   SOLE   6,000 0 0
Magellan Midstream Partne COM 559080106 256 5,620 SH   SOLE   5,620 0 0
SPDRR S&P Emerging Markets ETF COM 78463X509 254 5,981 SH   SOLE   5,981 0 0
iShares MSCI EAFE ETF COM 464287465 254 3,250 SH   SOLE   3,250 0 0
Marathon Oil Corp COM 565849106 253 18,516 SH   SOLE   18,516 0 0
Vanguard High Dividend Yield ETF COM 921946406 246 2,385 SH   SOLE   2,385 0 0
iShares Dow Jones US Finl COM 464287788 240 2,910 SH   SOLE   2,910 0 0
Russell 2000 ETF COM 464287655 239 1,094 SH   SOLE   1,094 0 0
Watts Water Tech Inc COM 942749102 235 1,400 SH   SOLE   1,400 0 0
Russell 2000 Value ETF COM 464287630 226 1,409 SH   SOLE   1,409 0 0
Kimberly-Clark Corp COM 494368103 224 1,695 SH   SOLE   1,695 0 0
Public Service Enterprise Group Inc COM 744573106 221 3,635 SH   SOLE   3,635 0 0
iShares iBoxx $ Invmt Grade Corp Bd ETF COM 464287242 221 1,660 SH   SOLE   1,660 0 0
Amern Tower Corp Class A COM 03027X100 218 820 SH   SOLE   820 0 0
Medtronic PLC COM G5960L103 215 1,714 SH   SOLE   1,714 0 0
Wells Fargo & Co COM 949746101 214 4,618 SH   SOLE   4,618 0 0
Nike Inc Class B COM 654106103 213 1,468 SH   SOLE   1,468 0 0
Ingles Markets Inc COM 457030104 201 3,050 SH   SOLE   3,050 0 0