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
3M COMPANY COM 88579Y101   316,831 2,987 SH   SOLE 0 0 0 2,987
ABBOTT LABS COM 002824100   403,493 3,550 SH   SOLE 0 0 0 3,550
ABBVIE INC COM 00287Y109   787,036 4,322 SH   SOLE 0 0 0 4,322
ALPHABET INC CAP STK CL A 02079K305   1,338,672 8,869 SH   SOLE 0 0 0 8,869
ALPHABET INC CAP STK CL C 02079K107   1,462,762 9,607 SH   SOLE 0 0 0 9,607
ALX ONCOLOGY HLDGS INC COM 00166B105   350,300 31,417 SH   SOLE 0 0 0 31,417
AMAZON COM INC COM 023135106   2,035,821 11,286 SH   SOLE 0 0 0 11,286
AMGEN INC COM 031162100   294,857 1,037 SH   SOLE 0 0 0 1,037
APPLE INC COM 037833100   13,432,367 78,332 SH   SOLE 0 0 0 78,332
ARK ETF TR INNOVATION ETF 00214Q104   5,107,965 101,996 SH   SOLE 0 0 0 101,996
ASML HOLDING N V N Y REGISTRY SHS N07059210   223,208 230 SH   SOLE 0 0 0 230
AUTOMATIC DATA PROCESSING IN COM 053015103   298,939 1,197 SH   SOLE 0 0 0 1,197
AVITA MEDICAL INC COM 05380C102   248,802 15,521 SH   SOLE 0 0 0 15,521
BAXTER INTERNATIONAL INC COM 071813109   243,362 5,694 SH   SOLE 0 0 0 5,694
BERKSHIRE HATHAWAY INC DEL CL A 084670108   634,440 1 SH   SOLE 0 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,065,591 7,290 SH   SOLE 0 0 0 7,290
BOEING CO COM 097023105   699,782 3,626 SH   SOLE 0 0 0 3,626
BRP GROUP INC COM CL A 05589G102   3,354,870 115,925 SH   SOLE 0 0 0 115,925
CADENCE BANK COM 12740C103   245,050 8,450 SH   SOLE 0 0 0 8,450
CARRIER GLOBAL CORPORATION COM 14448C104   439,579 7,562 SH   SOLE 0 0 0 7,562
CHEVRON CORP NEW COM 166764100   575,664 3,649 SH   SOLE 0 0 0 3,649
COCA COLA CO COM 191216100   470,719 7,694 SH   SOLE 0 0 0 7,694
CSX CORP COM 126408103   222,035 5,990 SH   SOLE 0 0 0 5,990
DBX ETF TR XTRAK MSCI EAFE 233051200   67,701,205 1,654,073 SH   SOLE 0 0 0 1,654,073
EATON CORP PLC SHS G29183103   273,282 874 SH   SOLE 0 0 0 874
ELEVANCE HEALTH INC COM 036752103   421,026 812 SH   SOLE 0 0 0 812
EXXON MOBIL CORPORATION COM 30231G102   2,682,184 23,075 SH   SOLE 0 0 0 23,075
GOLDMAN SACHS GROUP INC COM 38141g104   208,845 500 SH   SOLE 0 0 0 500
HOME DEPOT INC COM 437076102   1,139,676 2,971 SH   SOLE 0 0 0 2,971
INTERNATIONAL BUSINESS MACHS COM 459200101   228,770 1,198 SH   SOLE 0 0 0 1,198
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   2,243,149 106,969 SH   SOLE 0 0 0 106,969
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   2,177,661 106,591 SH   SOLE 0 0 0 106,591
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   2,040,118 106,201 SH   SOLE 0 0 0 106,201
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   1,990,712 103,199 SH   SOLE 0 0 0 103,199
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 CB 46138J502   1,638,562 81,642 SH   SOLE 0 0 0 81,642
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 46138J577   1,385,748 75,724 SH   SOLE 0 0 0 75,724
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460   713,698 43,545 SH   SOLE 0 0 0 43,545
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429   468,202 29,045 SH   SOLE 0 0 0 29,045
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   7,529,992 44,459 SH   SOLE 0 0 0 44,459
ISHARES TR 20 YR TR BD ETF 464287432   2,678,976 28,313 SH   SOLE 0 0 0 28,313
ISHARES TR 7-10 YR TRSY BD 464287440   6,286,224 66,408 SH   SOLE 0 0 0 66,408
ISHARES TR CORE S&P MCP ETF 464287507   32,627,539 537,167 SH   SOLE 0 0 0 537,167
ISHARES TR CORE US AGGBD ETF 464287226   2,911,560 29,728 SH   SOLE 0 0 0 29,728
ISHARES TR HDG MSCI EAFE 46434V803   3,409,834 97,759 SH   SOLE 0 0 0 97,759
ISHARES TR RUSSELL MIDCAP 464287499   2,970,732 35,328 SH   SOLE 0 0 0 35,328
ISHARES TR MBS ETF 464288588   2,306,249 24,954 SH   SOLE 0 0 0 24,954
ISHARES TR US TREAS BD ETF 46429B267   22,637,544 994,183 SH   SOLE 0 0 0 994,183
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654   607,612 11,975 SH   SOLE 0 0 0 11,975
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837   409,438 8,116 SH   SOLE 0 0 0 8,116
JOHNSON JOHNSON COM 478160104   710,684 4,493 SH   SOLE 0 0 0 4,493
JPMORGAN CHASE & CO COM 46625H100   619,097 3,091 SH   SOLE 0 0 0 3,091
LILLY ELI & CO COM 532457108   1,259,517 1,619 SH   SOLE 0 0 0 1,619
MC DONALDS CORP COM 580135101   1,426,103 5,058 SH   SOLE 0 0 0 5,058
META PLATFORMS INC CL A 30303M102   457,931 943 SH   SOLE 0 0 0 943
MICROSOFT CORP COM 594918104   3,048,024 7,245 SH   SOLE 0 0 0 7,245
NORFOLK SOUTHN CORP COM 655844108   214,617 842 SH   SOLE 0 0 0 842
NOVO-NORDISK A S ADR 670100205   579,598 4,514 SH   SOLE 0 0 0 4,514
NVIDIA CORPORATION COM 67066G104   1,439,421 1,593 SH   SOLE 0 0 0 1,593
OTIS WORLDWIDE CORP COM 68902V107   368,391 3,711 SH   SOLE 0 0 0 3,711
PEPSICO INCORPORATED COM 713448108   995,671 5,689 SH   SOLE 0 0 0 5,689
POWERSHARES ETF TR II SP500 LOW VOL 73937B779   2,013,514 30,568 SH   SOLE 0 0 0 30,568
POWERSHS QQQ TRUST SER 1 UNIT SER 1 73935A104   10,897,673 24,544 SH   SOLE 0 0 0 24,544
PROCTER AND GAMBLE CO COM 742718109   226,501 1,396 SH   SOLE 0 0 0 1,396
READY CAPITAL CORP COM 75574U101   106,282 11,641 SH   SOLE 0 0 0 11,641
RTX CORPORATION COM 75513E101   865,760 8,877 SH   SOLE 0 0 0 8,877
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,859,639 73,649 SH   SOLE 0 0 0 73,649
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   11,866,392 304,111 SH   SOLE 0 0 0 304,111
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   11,184,533 180,221 SH   SOLE 0 0 0 180,221
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,087,751 37,919 SH   SOLE 0 0 0 37,919
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109   26,046,120 65,482 SH   SOLE 0 0 0 65,482
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   44,536,534 1,242,649 SH   SOLE 0 0 0 1,242,649
SPDR S&P 500 ETF TR TR UNIT 78462F103   63,938,945 122,238 SH   SOLE 0 0 0 122,238
SPDR SER TR PORTFOLIO LN TSR 78464A664   15,559,146 556,877 SH   SOLE 0 0 0 556,877
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300   18,248,705 219,943 SH   SOLE 0 0 0 219,943
SPDR SERIES TRUST SP DIVID ETF 78464A763   325,606 2,481 SH   SOLE 0 0 0 2,481
SPDR SP MIDCAP 400 ETF TR UTSER1 SPDCRP 78467Y107   25,207,380 45,304 SH   SOLE 0 0 0 45,304
STARBUCKS CORP COM 855244109   219,245 2,399 SH   SOLE 0 0 0 2,399
TESLA INC COM 88160R101   647,435 3,683 SH   SOLE 0 0 0 3,683
TEXAS INSTRS INC COM 882508104   501,028 2,876 SH   SOLE 0 0 0 2,876
TOWNEBANK PORTSMOUTH VA COM 89214P109   207,560 7,397 SH   SOLE 0 0 0 7,397
UNION PACIFIC CORP COM 907818108   726,477 2,954 SH   SOLE 0 0 0 2,954
VALERO ENERGY CORP COM 91913Y100   206,535 1,210 SH   SOLE 0 0 0 1,210
VANGUARD INDEX FDS LARGE CAP ETF 922908637   11,265,975 46,989 SH   SOLE 0 0 0 46,989
VANGUARD INDEX FDS TOTAL STK MKT 922908769   458,900 1,766 SH   SOLE 0 0 0 1,766
VANGUARD INDEX FDS GROWTH ETF 922908736   7,577,566 22,015 SH   SOLE 0 0 0 22,015
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   88,333,012 183,759 SH   SOLE 0 0 0 183,759
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,007,019 12,508 SH   SOLE 0 0 0 12,508
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844   872,876 4,780 SH   SOLE 0 0 0 4,780
VANGUARD WORLD FD ESG US STK ETF 921910733   447,778 4,805 SH   SOLE 0 0 0 4,805
WAL-MART STORES INC COM 931142103   1,087,164 18,068 SH   SOLE 0 0 0 18,068
WELLS FARGO CO NEW COM 949746101   225,060 3,883 SH   SOLE 0 0 0 3,883