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 57,052 500,106 SH   SOLE   500,106 0 0
Apple Computer Inc COM 037833100 24,706 139,135 SH   SOLE   139,135 0 0
Microsoft Corp COM 594918104 18,935 56,300 SH   SOLE   56,300 0 0
Berkshire Hathaway B COM 084670702 16,763 56,062 SH   SOLE   56,062 0 0
Tractor Supply Company COM 892356106 14,817 62,101 SH   SOLE   62,101 0 0
SPDRR Blmbg Barclays 1-10 Year TIPS ETF COM 78468R861 12,518 592,695 SH   SOLE   592,695 0 0
3M Company COM 88579Y101 12,352 69,540 SH   SOLE   69,540 0 0
Pepsi Co COM 713448108 11,900 68,503 SH   SOLE   68,503 0 0
Lowes Companies Inc COM 548661107 11,483 44,424 SH   SOLE   44,424 0 0
Alphabet Inc Class A COM 02079K305 11,213 3,871 SH   SOLE   3,871 0 0
iShares Core MSCI EAFE COM 46432F842 10,442 139,901 SH   SOLE   139,901 0 0
Johnson & Johnson COM 478160104 10,104 59,066 SH   SOLE   59,066 0 0
Cisco Systems Inc COM 17275R102 9,546 150,643 SH   SOLE   150,643 0 0
Pfizer Inc COM 717081103 8,597 145,581 SH   SOLE   145,581 0 0
Vanguard FTSE All-Wld ex-US ETF COM 922042775 8,546 139,466 SH   SOLE   139,466 0 0
Amazon Com Inc COM 023135106 8,236 2,470 SH   SOLE   2,470 0 0
Roper Industries Inc COM 776696106 8,134 16,536 SH   SOLE   16,536 0 0
Home Depot Inc COM 437076102 7,926 19,098 SH   SOLE   19,098 0 0
McDonalds Corp COM 580135101 7,873 29,370 SH   SOLE   29,370 0 0
Wal-Mart Stores Inc COM 931142103 7,817 54,027 SH   SOLE   54,027 0 0
Stryker COM 863667101 7,517 28,108 SH   SOLE   28,108 0 0
J P Morgan Chase & Co COM 46625H100 7,442 46,996 SH   SOLE   46,996 0 0
Meta Platforms Inc Class A COM 30303M102 7,329 21,789 SH   SOLE   21,789 0 0
Broadcom Inc Com COM 11135F101 6,477 9,733 SH   SOLE   9,733 0 0
Union Pacific Corp COM 907818108 6,425 25,502 SH   SOLE   25,502 0 0
Walt Disney Co COM 254687106 5,610 36,220 SH   SOLE   36,220 0 0
Accenture Ltd Cl A COM G1151C101 5,077 12,247 SH   SOLE   12,247 0 0
Mastercard Inc COM 57636Q104 4,874 13,566 SH   SOLE   13,566 0 0
iShares Core S&P Mid-Cap ETF COM 464287507 4,720 16,672 SH   SOLE   16,672 0 0
Ecolab Inc COM 278865100 4,573 19,494 SH   SOLE   19,494 0 0
Vanguard 500 ETF COM 922908363 4,471 10,241 SH   SOLE   10,241 0 0
Procter & Gamble COM 742718109 4,310 26,345 SH   SOLE   26,345 0 0
SPDRR Gold Shares COM 78463V107 4,297 25,135 SH   SOLE   25,135 0 0
Stanley Black & Decker Inc Com COM 854502101 3,701 19,619 SH   SOLE   19,619 0 0
Intel Corp COM 458140100 3,481 67,588 SH   SOLE   67,588 0 0
Valero Energy Corporation COM 91913Y100 3,449 45,922 SH   SOLE   45,922 0 0
iShares NASDAQ Biotech COM 464287556 3,427 22,454 SH   SOLE   22,454 0 0
Vanguard Total Stock Market ETF COM 922908769 3,354 13,891 SH   SOLE   13,891 0 0
Lincoln National Corp COM 534187109 2,765 40,508 SH   SOLE   40,508 0 0
Anheuser-Busch InBev SA/NV ADR COM 03524A108 2,593 42,831 SH   SOLE   42,831 0 0
Thermo Fisher Scientific Inc COM 883556102 2,561 3,838 SH   SOLE   3,838 0 0
iShares Core S&P Small-Cap ETF COM 464287804 2,514 21,950 SH   SOLE   21,950 0 0
SPDRR Gold MiniShares COM 98149E204 2,490 136,978 SH   SOLE   136,978 0 0
Vanguard Short-Term Treasury ETF COM 92206C102 2,418 39,744 SH   SOLE   39,744 0 0
Unitedhealth Group Inc COM 91324P102 2,210 4,401 SH   SOLE   4,401 0 0
Nextera Energy Inc Com COM 65339F101 2,191 23,472 SH   SOLE   23,472 0 0
Unilever PLC ADR COM 904767704 2,186 40,639 SH   SOLE   40,639 0 0
iShares Core MSCI Emerging Markets COM 46434G103 2,102 35,117 SH   SOLE   35,117 0 0
Automatic Data Processing COM 053015103 2,089 8,470 SH   SOLE   8,470 0 0
iShares Russell 2500 ETF COM 46435G268 2,058 31,003 SH   SOLE   31,003 0 0
Duke Energy Corporation COM 26441C204 2,045 19,497 SH   SOLE   19,497 0 0
Target Corporation COM 87612E106 1,976 8,539 SH   SOLE   8,539 0 0
Constellation Brand Cl A COM 21036P108 1,896 7,554 SH   SOLE   7,554 0 0
Markel Holdings COM 570535104 1,867 1,513 SH   SOLE   1,513 0 0
Real Estate Select Sector SPDR COM 81369Y860 1,795 34,652 SH   SOLE   34,652 0 0
Alphabet Inc Class C COM 02079K107 1,762 609 SH   SOLE   609 0 0
VanEck Vectors AMT-Free Interm Muni ETF COM 92189H201 1,731 33,768 SH   SOLE   33,768 0 0
Darden Restaurants Inc COM 237194105 1,599 10,617 SH   SOLE   10,617 0 0
Conoco-Phillips COM 20825C104 1,590 22,030 SH   SOLE   22,030 0 0
Vanguard Dividend Appreciation ETF COM 921908844 1,585 9,230 SH   SOLE   9,230 0 0
Verizon Communications COM 92343V104 1,525 29,357 SH   SOLE   29,357 0 0
iPathR Bloomberg Cmdty TR ETN COM 06738C778 1,511 52,657 SH   SOLE   52,657 0 0
Bank of America Corp. COM 060505104 1,453 32,649 SH   SOLE   32,649 0 0
SPDR Nuveen Barclays Cap Sh Term FD COM 78468R739 1,421 28,900 SH   SOLE   28,900 0 0
Allison Transmission COM 01973R101 1,418 38,998 SH   SOLE   38,998 0 0
Nvidia Corp COM 67066G104 1,376 4,680 SH   SOLE   4,680 0 0
iShares Global REIT ETF COM 46434V647 1,354 44,242 SH   SOLE   44,242 0 0
3M Co Put Opt 01/22 200.0 01/21/2022 COM MMM220121 1,331 600 SH   SOLE   600 0 0
Truist Finl Corp Com COM 89832Q109 1,328 22,684 SH   SOLE   22,684 0 0
Amgen, Inc. COM 031162100 1,261 5,604 SH   SOLE   5,604 0 0
Aptiv COM G6095L109 1,232 7,471 SH   SOLE   7,471 0 0
Vanguard Intmdt-Term Trs ETF COM 92206C706 1,186 17,850 SH   SOLE   17,850 0 0
First Bancorp N C COM 318910106 1,159 25,340 SH   SOLE   25,340 0 0
Exxon Mobil Corp. COM 30231G102 1,127 18,414 SH   SOLE   18,414 0 0
Philip Morris Intl COM 718172109 1,111 11,695 SH   SOLE   11,695 0 0
Vanguard Total International Stock COM 921909768 1,090 17,140 SH   SOLE   17,140 0 0
Chevron Corp COM 166764100 1,087 9,265 SH   SOLE   9,265 0 0
Corning Inc COM 219350105 1,081 29,037 SH   SOLE   29,037 0 0
Royal Bk Cda Montreal COM 780087102 1,070 10,078 SH   SOLE   10,078 0 0
Vanguard FTSE Emerging Markets ETF COM 922042858 1,052 21,272 SH   SOLE   21,272 0 0
Vanguard Total Bond Market ETF COM 921937835 1,043 12,307 SH   SOLE   12,307 0 0
iShares Barclay Tips COM 464287176 1,039 8,044 SH   SOLE   8,044 0 0
Emerson Electric COM 291011104 1,023 10,999 SH   SOLE   10,999 0 0
Merck & Co Inc COM 58933Y105 1,011 13,192 SH   SOLE   13,192 0 0
Qualcomm Inc COM 747525103 982 5,368 SH   SOLE   5,368 0 0
Deere & Co COM 244199105 967 2,819 SH   SOLE   2,819 0 0
Vanguard FTSE Europe ETF COM 922042874 962 14,103 SH   SOLE   14,103 0 0
T J X Cos Inc COM 872540109 960 12,645 SH   SOLE   12,645 0 0
SPDRR S&P 500 ETF COM 78462F103 948 1,995 SH   SOLE   1,995 0 0
Visa Inc Cl A COM 92826C839 933 4,303 SH   SOLE   4,303 0 0
Oracle Corporation COM 68389X105 914 10,480 SH   SOLE   10,480 0 0
Altria Group Inc COM 02209S103 910 19,204 SH   SOLE   19,204 0 0
Vanguard FTSE Developed Markets ETF COM 921943858 885 17,331 SH   SOLE   17,331 0 0
Abbott Laboratories COM 002824100 873 6,206 SH   SOLE   6,206 0 0
Vanguard Tax-Exempt Bond ETF COM 922907746 861 15,684 SH   SOLE   15,684 0 0
Vanguard Short-Term Bond Index Fund ETF COM 921937827 829 10,255 SH   SOLE   10,255 0 0
SCE Trust IV COM 78409G206 827 32,988 SH   SOLE   32,988 0 0
Yum Brands Inc Com COM 988498101 822 5,922 SH   SOLE   5,922 0 0
Annaly Capital PFD 035710870 821 32,090 SH   SOLE   32,090 0 0
Toro Co Com COM 891092108 799 8,000 SH   SOLE   8,000 0 0
Coca Cola Company COM 191216100 791 13,355 SH   SOLE   13,355 0 0
CVS Corp COM 126650100 783 7,593 SH   SOLE   7,593 0 0
iShares National Muni Bond ETF COM 464288414 780 6,706 SH   SOLE   6,706 0 0
Lilly Eli & Company COM 532457108 755 2,734 SH   SOLE   2,734 0 0
General Mills Inc COM 370334104 752 11,161 SH   SOLE   11,161 0 0
iShares CEF Real Estate COM 464287739 718 6,180 SH   SOLE   6,180 0 0
Vanguard Mid-Cap Value ETF COM 922908512 698 4,640 SH   SOLE   4,640 0 0
JPMorgan Equity Premium Income ETF COM 46641Q332 692 10,950 SH   SOLE   10,950 0 0
NBT Bancorp Inc COM 628778102 689 17,897 SH   SOLE   17,897 0 0
Abbvie Inc COM 00287Y109 688 5,080 SH   SOLE   5,080 0 0
Russell Midcap ETF COM 464287499 677 8,157 SH   SOLE   8,157 0 0
Vanguard MSCI US Small Cap Growth COM 922908595 672 2,383 SH   SOLE   2,383 0 0
Sysco Corp COM 871829107 657 8,363 SH   SOLE   8,363 0 0
Eaton Corp PLC COM G29183103 622 3,598 SH   SOLE   3,598 0 0
Nestle S A Reg B Adr COM 641069406 620 4,419 SH   SOLE   4,419 0 0
Alerian MLP ETF COM 00162Q452 605 18,464 SH   SOLE   18,464 0 0
Capital One Financial Corp COM 14040H105 595 4,100 SH   SOLE   4,100 0 0
Bristol-Myers Squibb Co COM 110122108 558 8,947 SH   SOLE   8,947 0 0
Nuveen Pfd & Conv Income Fund 2 COM 67073D102 532 81,950 SH   SOLE   81,950 0 0
Texas Instruments Inc COM 882508104 518 2,748 SH   SOLE   2,748 0 0
Honeywell, Inc. COM 438516106 512 2,457 SH   SOLE   2,457 0 0
Tesla Motors Inc COM 88160R101 497 470 SH   SOLE   470 0 0
Sector Spdr Tech Select COM 81369Y803 496 2,850 SH   SOLE   2,850 0 0
Ishares Silver Trust COM 46428Q109 492 22,880 SH   SOLE   22,880 0 0
Trane Inc COM G8994E103 485 2,400 SH   SOLE   2,400 0 0
Sector Spdr Health Fund COM 81369Y209 482 3,418 SH   SOLE   3,418 0 0
Enbridge Inc COM 29250N105 481 12,300 SH   SOLE   12,300 0 0
CF Industries Holdings Inc COM 125269100 467 6,591 SH   SOLE   6,591 0 0
Mondelez COM 609207105 455 6,854 SH   SOLE   6,854 0 0
Invesco CurrencySharesR Swiss Franc COM 46138R108 454 4,600 SH   SOLE   4,600 0 0
Sector Spdr Engy Select COM 81369Y506 450 8,109 SH   SOLE   8,109 0 0
AT&T COM 00206R102 444 18,053 SH   SOLE   18,053 0 0
Raytheon Technologies Ord COM 75513E101 432 5,023 SH   SOLE   5,023 0 0
Global Payments Inc COM 37940X102 424 3,136 SH   SOLE   3,136 0 0
Northrop Grumman Corp COM 666807102 418 1,079 SH   SOLE   1,079 0 0
Fedex Corporation COM 31428X106 414 1,602 SH   SOLE   1,602 0 0
iShares Floating Rate Bond ETF COM 46429B655 413 8,134 SH   SOLE   8,134 0 0
Baxter International Inc COM 071813109 412 4,804 SH   SOLE   4,804 0 0
International Business Machines COM 459200101 411 3,073 SH   SOLE   3,073 0 0
Eversource Energy COM 30040W108 392 4,307 SH   SOLE   4,307 0 0
Hometrust Bancshares Inc COM 437872104 390 12,600 SH   SOLE   12,600 0 0
Paychex Inc COM 704326107 388 2,842 SH   SOLE   2,842 0 0
Vanguard Short-Term Corporate Bond ETF COM 92206C409 385 4,740 SH   SOLE   4,740 0 0
Prosperity Bancshares Inc COM 743606105 383 5,292 SH   SOLE   5,292 0 0
Vanguard IT ETF COM 92204A702 380 830 SH   SOLE   830 0 0
Fifth Third Bancorp COM 316773100 375 8,602 SH   SOLE   8,602 0 0
Goldman Sachs Gp Dep Shs PFD 38143Y665 369 14,547 SH   SOLE   14,547 0 0
Russell 2000 Growth ETF COM 464287648 352 1,202 SH   SOLE   1,202 0 0
The Southern Company COM 842587107 351 5,118 SH   SOLE   5,118 0 0
Dupont De Nemours Inc COM 26614N102 344 4,259 SH   SOLE   4,259 0 0
Four Corners Property Trust COM 35086T109 334 11,357 SH   SOLE   11,357 0 0
SPDRR Portfolio Mid Cap ETF COM 78464A847 334 6,715 SH   SOLE   6,715 0 0
S & P Global Inc COM 78409V104 333 705 SH   SOLE   705 0 0
Dominion Resources Inc VA New COM 25746U109 312 3,977 SH   SOLE   3,977 0 0
Nuveen AMT-Free Municipal COM 670657105 312 20,007 SH   SOLE   20,007 0 0
L3Harris Technologies Ord COM 502431109 308 1,444 SH   SOLE   1,444 0 0
Marathon Oil Corp COM 565849106 304 18,516 SH   SOLE   18,516 0 0
Yum China Holdings I COM 98850P109 298 5,974 SH   SOLE   5,974 0 0
Waste Management, Inc. COM 94106L109 294 1,764 SH   SOLE   1,764 0 0
Schwab US Aggregate Bond ETFT COM 808524839 294 5,450 SH   SOLE   5,450 0 0
Sector Spdr Util Select COM 81369Y886 290 4,058 SH   SOLE   4,058 0 0
iShares COMEX Gold Trust COM 464285204 289 8,297 SH   SOLE   8,297 0 0
General Electric Co. COM 369604301 276 2,924 SH   SOLE   2,924 0 0
Waters Corp COM 941848103 273 734 SH   SOLE   734 0 0
Blackrock Core Bd TRUST COM 09249E101 268 16,250 SH   SOLE   16,250 0 0
Vanguard High Dividend Yield ETF COM 921946406 267 2,385 SH   SOLE   2,385 0 0
Dow Inc COM 260557103 265 4,679 SH   SOLE   4,679 0 0
Ingles Markets Inc COM 457030104 263 3,050 SH   SOLE   3,050 0 0
Magellan Midstream Partne COM 559080106 261 5,620 SH   SOLE   5,620 0 0
Watts Water Tech Inc COM 942749102 260 1,341 SH   SOLE   1,341 0 0
iShares MSCI EAFE ETF COM 464287465 256 3,250 SH   SOLE   3,250 0 0
Boston Scientific Corp Co COM 101137107 255 6,000 SH   SOLE   6,000 0 0
iShares Dow Jones US Finl COM 464287788 252 2,910 SH   SOLE   2,910 0 0
Paypal Holdings Inc COM 70450Y103 251 1,330 SH   SOLE   1,330 0 0
Plains All Amer Pipeline COM 726503105 251 26,845 SH   SOLE   26,845 0 0
Amern Tower Corp Class A COM 03027X100 250 855 SH   SOLE   855 0 0
SPDRR S&P Emerging Markets ETF COM 78463X509 248 5,981 SH   SOLE   5,981 0 0
Nike Inc Class B COM 654106103 245 1,468 SH   SOLE   1,468 0 0
Russell 2000 ETF COM 464287655 243 1,094 SH   SOLE   1,094 0 0
Public Service Enterprise Group Inc COM 744573106 243 3,635 SH   SOLE   3,635 0 0
Kimberly-Clark Corp COM 494368103 242 1,695 SH   SOLE   1,695 0 0
Russell 2000 Value ETF COM 464287630 234 1,409 SH   SOLE   1,409 0 0
Wells Fargo & Co COM 949746101 222 4,618 SH   SOLE   4,618 0 0
Lockheed Martin Corp COM 539830109 210 590 SH   SOLE   590 0 0
Semiconductor Holders Tr COM 92189F676 208 675 SH   SOLE   675 0 0
Goldman Sachs Access Ultra Short Bd ETF COM 381430230 204 4,050 SH   SOLE   4,050 0 0
iShares iBoxx $ Invmt Grade Corp Bd ETF COM 464287242 204 1,540 SH   SOLE   1,540 0 0
Matson Inc COM 57686G105 202 2,247 SH   SOLE   2,247 0 0
Corteva Inc com COM 22052L104 201 4,259 SH   SOLE   4,259 0 0