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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Laboratories COM 002824100   261,715 2,384 SH   SOLE   0 0 2,384
AbbVie Inc. COM 00287Y109   482,566 2,986 SH   SOLE   0 0 2,986
Accenture plc COM G1151C101   210,510 789 SH   SOLE   0 0 789
Allstate Corporation COM 020002101   591,894 4,365 SH   SOLE   0 0 4,365
Alphabet Inc. Cl A COM 02079K305   214,840 2,435 SH   SOLE   0 0 2,435
Alphabet Inc. Cl C COM 02079K107   342,620 3,861 SH   SOLE   0 0 3,861
Apple Inc. COM 037833100   9,055,445 69,695 SH   SOLE   0 0 69,695
Armada Hoffler Properties Inc. COM 04208T108   280,600 24,400 SH   SOLE   0 0 24,400
ASM Lithography Holdings ADR N07059210   564,978 1,034 SH   SOLE   0 0 1,034
Bank of America Corp. COM 060505104   803,171 24,250 SH   SOLE   0 0 24,250
Berkshire Hathaway Inc. COM 084670702   1,760,927 5,701 SH   SOLE   0 0 5,701
Bristol-Myers Squibb Co. COM 110122108   263,619 3,664 SH   SOLE   0 0 3,664
Cadence Bank COM 12740C103   1,527,097 61,926 SH   SOLE   0 0 61,926
Chevron Corp. COM 166764100   378,458 2,109 SH   SOLE   0 0 2,109
Cisco Systems Inc. COM 17275R102   1,683,002 35,328 SH   SOLE   0 0 35,328
Citigroup Inc. COM 172967424   367,841 8,133 SH   SOLE   0 0 8,133
Coca-Cola Co. COM 191216100   803,370 12,630 SH   SOLE   0 0 12,630
Costco Wholesale Corp. COM 22160K105   838,202 1,836 SH   SOLE   0 0 1,836
Coupang, Inc. COM 22266T109   220,650 15,000 SH   SOLE   0 0 15,000
Danaher Corp. COM 235851102   218,706 824 SH   SOLE   0 0 824
Dimensional U.S. Core Equity 2 ETF COM 25434V708   313,739 12,922 SH   SOLE   0 0 12,922
Discover Financial Services COM 254709108   293,588 3,001 SH   SOLE   0 0 3,001
Duke Energy Corp. COM 26441C204   1,132,091 10,992 SH   SOLE   0 0 10,992
Enbridge Inc. COM 29250N105   359,261 9,188 SH   SOLE   0 0 9,188
Exxon Mobil Corp. COM 30231G102   767,504 6,958 SH   SOLE   0 0 6,958
FactSet Research Systems Inc. COM 303075105   200,605 500 SH   SOLE   0 0 500
Global Payments Inc. COM 37940X102   233,015 2,346 SH   SOLE   0 0 2,346
Halozyme Therapeutics, Inc. COM 40637H109   1,021,355 17,950 SH   SOLE   0 0 17,950
Home Depot Inc. COM 437076102   714,082 2,261 SH   SOLE   0 0 2,261
IBM Corp. COM 459200101   415,772 2,951 SH   SOLE   0 0 2,951
Invesco FTSE RAFI US 1000 ETF COM 46137V613   68,639,356 442,406 SH   SOLE   0 0 442,406
Invesco FTSE RAFI US 1500 Small-Mid ETF COM 46137V597   24,675,617 155,771 SH   SOLE   0 0 155,771
iShares 0-5 Year TIPS Bond ETF COM 46429B747   19,077,406 196,755 SH   SOLE   0 0 196,755
iShares Cohen & Steers REIT ETF COM 464287564   220,797 4,026 SH   SOLE   0 0 4,026
iShares Core Aggressive Allocation ETF COM 464289859   246,706 4,129 SH   SOLE   0 0 4,129
iShares Core MSCI EAFE ETF COM 46432F842   8,993,437 145,903 SH   SOLE   0 0 145,903
iShares Core MSCI Emerging Markets ETF COM 46434G103   4,852,397 103,906 SH   SOLE   0 0 103,906
iShares Core MSCI Intl Developed Markets ETF COM 46435G326   3,104,282 55,453 SH   SOLE   0 0 55,453
iShares Core S&P 500 ETF COM 464287200   1,029,099 2,678 SH   SOLE   0 0 2,678
iShares Core U.S. Aggregate Bond ETF COM 464287226   8,113,148 83,649 SH   SOLE   0 0 83,649
iShares Gold Trust ETF COM 464285204   248,079 7,172 SH   SOLE   0 0 7,172
iShares MSCI EAFE ETF COM 464287465   26,499,579 403,711 SH   SOLE   0 0 403,711
iShares MSCI Emerging Markets ETF COM 464287234   7,657,421 202,043 SH   SOLE   0 0 202,043
iShares MSCI KLD 400 Social ETF COM 464288570   257,733 3,590 SH   SOLE   0 0 3,590
iShares MSCI World ETF COM 464286392   331,282 3,032 SH   SOLE   0 0 3,032
iShares Russell 1000 ETF COM 464287622   75,313,869 357,752 SH   SOLE   0 0 357,752
iShares Russell 1000 Growth ETF COM 464287614   5,381,698 25,120 SH   SOLE   0 0 25,120
iShares Russell 1000 Value ETF COM 464287598   5,476,964 36,116 SH   SOLE   0 0 36,116
iShares Russell 2000 ETF COM 464287655   8,371,385 48,012 SH   SOLE   0 0 48,012
iShares Russell 2000 Growth ETF COM 464287648   240,360 1,120 SH   SOLE   0 0 1,120
iShares Russell Mid-Cap ETF COM 464287499   221,322 3,281 SH   SOLE   0 0 3,281
iShares Russell Mid-Cap Value ETF COM 464287473   263,082 2,497 SH   SOLE   0 0 2,497
iShares S&P 500 Growth ETF COM 464287309   603,603 10,318 SH   SOLE   0 0 10,318
iShares Select Dividend ETF COM 464287168   363,659 3,015 SH   SOLE   0 0 3,015
iShares TIPS Bond ETF COM 464287176   1,823,001 17,127 SH   SOLE   0 0 17,127
iShares Treasury Floating Rate Bond ETF COM 46434V860   5,519,987 109,502 SH   SOLE   0 0 109,502
Johnson & Johnson Inc. COM 478160104   476,430 2,697 SH   SOLE   0 0 2,697
JPMorgan Chase & Co. COM 46625H100   346,135 2,581 SH   SOLE   0 0 2,581
JPMorgan Ultra-Short Income ETF COM 46641Q837   15,992,215 319,015 SH   SOLE   0 0 319,015
Lowes Companies, Inc. COM 548661107   4,564,090 22,908 SH   SOLE   0 0 22,908
Microsoft Corp. COM 594918104   2,001,739 8,347 SH   SOLE   0 0 8,347
Moderna, Inc. COM 60770K107   898,100 5,000 SH   SOLE   0 0 5,000
Morgan Stanley COM 617446448   558,462 6,569 SH   SOLE   0 0 6,569
Motorola Solutions Inc. COM 620076307   409,243 1,588 SH   SOLE   0 0 1,588
Nike Inc. COM 654106103   276,588 2,364 SH   SOLE   0 0 2,364
ONEOK Inc. COM 682680103   657,000 10,000 SH   SOLE   0 0 10,000
Park National Corp. COM 700658107   575,949 4,092 SH   SOLE   0 0 4,092
PepsiCo Inc. COM 713448108   267,934 1,483 SH   SOLE   0 0 1,483
Pfizer Inc. COM 717081103   391,986 7,650 SH   SOLE   0 0 7,650
PIMCO 1-5 Year U.S. TIPS Index ETF COM 72201R205   1,345,677 26,984 SH   SOLE   0 0 26,984
PIMCO Enhanced Short Maturity Active ETF COM 72201R833   12,900,199 130,767 SH   SOLE   0 0 130,767
Procter & Gamble Co. COM 742718109   255,114 1,683 SH   SOLE   0 0 1,683
Public Service Enterprise Group Inc. COM 744573106   367,620 6,000 SH   SOLE   0 0 6,000
Raymond James Financial Inc. COM 754730109   233,040 2,181 SH   SOLE   0 0 2,181
Raytheon Technologies Corp. COM 75513E101   223,437 2,214 SH   SOLE   0 0 2,214
South State Corporation COM 840441109   415,017 5,435 SH   SOLE   0 0 5,435
SPDR Gold Shares ETF COM 78463V107   314,688 1,855 SH   SOLE   0 0 1,855
SPDR S&P 500 ETF COM 78462F103   401,786 1,051 SH   SOLE   0 0 1,051
Target Corp. COM 87612E106   216,973 1,456 SH   SOLE   0 0 1,456
Tesla Inc. COM 88160R101   481,141 3,906 SH   SOLE   0 0 3,906
TowneBank COM 89214P109   539,052 17,479 SH   SOLE   0 0 17,479
Truist Financial Corp. COM 89832Q109   2,938,714 68,295 SH   SOLE   0 0 68,295
Union Pacific Corp. COM 907818108   276,200 1,334 SH   SOLE   0 0 1,334
UnitedHealth Group Inc. COM 91324P102   380,139 717 SH   SOLE   0 0 717
Vanguard ESG International Stock ETF COM 921910725   516,129 10,493 SH   SOLE   0 0 10,493
Vanguard ESG U.S. Stock ETF COM 921910733   725,581 11,017 SH   SOLE   0 0 11,017
Vanguard FTSE Developed Markets ETF COM 921943858   62,767,503 1,495,533 SH   SOLE   0 0 1,495,533
Vanguard FTSE Emerging Markets ETF COM 922042858   26,111,585 669,871 SH   SOLE   0 0 669,871
Vanguard Russell 1000 ETF COM 92206C730   8,493,489 48,740 SH   SOLE   0 0 48,740
Vanguard Russell 1000 Value ETF COM 92206C714   896,484 13,465 SH   SOLE   0 0 13,465
Vanguard Russell 2000 ETF COM 92206C664   1,896,039 26,944 SH   SOLE   0 0 26,944
Vanguard Russell 3000 ETF COM 92206C599   445,498 2,594 SH   SOLE   0 0 2,594
Vanguard S&P 500 Value ETF COM 921932703   1,255,360 8,963 SH   SOLE   0 0 8,963
Vanguard Short-Term Bond ETF COM 921937827   13,852,932 184,019 SH   SOLE   0 0 184,019
Vanguard Short-Term Inflation-Protected Securities ETF COM 922020805   6,316,360 135,225 SH   SOLE   0 0 135,225
Vanguard Small-Cap Value Index ETF COM 922908611   341,839 2,153 SH   SOLE   0 0 2,153
Vanguard Total Bond Market ETF COM 921937835   3,828,533 53,292 SH   SOLE   0 0 53,292
Vanguard Total Stock Market ETF COM 922908769   2,058,738 10,768 SH   SOLE   0 0 10,768
Vanguard Total World Stock Index ETF COM 922042742   4,392,553 50,964 SH   SOLE   0 0 50,964
Vanguard Value ETF COM 922908744   1,425,240 10,153 SH   SOLE   0 0 10,153
Wells Fargo & Co. COM 949746101   547,740 13,266 SH   SOLE   0 0 13,266
Wheels Up Experience Inc. COM 96328L106   10,300 10,000 SH   SOLE   0 0 10,000