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
AMAZON COM INC COM Stock 023135106   513,557 3,380 SH   SOLE   3,380 0 0
ISHARES NORTH AMERICAN NATURAL RESOURCES ETF ETF 464287374   10,767,476 264,427 SH   SOLE   264,427 0 0
GLOBAL PMTS INC COM Stock 37940X102   907,346 7,144 SH   SOLE   7,144 0 0
INVESCO QQQ TRUST SERIES I ETF 46090E103   292,844 715 SH   SOLE   715 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   339,761 1,765 SH   SOLE   1,765 0 0
STARBUCKS CORP COM Stock 855244109   281,186 2,929 SH   SOLE   2,929 0 0
ISHARES MSCI CANADA ETF ETF 464286509   1,046,199 28,522 SH   SOLE   28,522 0 0
ELEVANCE HEALTH INC COM Stock 036752103   301,865 640 SH   SOLE   640 0 0
TEMPLETON EMERGING MKTS FD COM CEF 880191101   2,408,800 206,233 SH   SOLE   206,233 0 0
WILLIS TOWERS WATSON PLC LTD SHS Stock G96629103   411,005 1,704 SH   SOLE   1,704 0 0
JOHNSON & JOHNSON COM Stock 478160104   513,052 3,273 SH   SOLE   3,273 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   1,434,362 6,047 SH   SOLE   6,047 0 0
INVESCO HIGH YIELD EQUITY DIVIDEND ACHIEVERS ETF ETF 46137V563   222,731 10,536 SH   SOLE   10,536 0 0
VANGUARD ENERGY ETF ETF 92204A306   3,167,279 27,006 SH   SOLE   27,006 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF ETF 46137V134   1,783,860 60,022 SH   SOLE   60,022 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   1,078,976 1,635 SH   SOLE   1,635 0 0
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234   1,901,448 47,288 SH   SOLE   47,288 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104   209,646 543 SH   SOLE   543 0 0
YUM BRANDS INC COM Stock 988498101   343,180 2,627 SH   SOLE   2,627 0 0
OLD DOMINION FREIGHT LINE INC COM Stock 679580100   458,678 1,132 SH   SOLE   1,132 0 0
ISHARES LATIN AMERICA 40 ETF ETF 464287390   850,041 29,251 SH   SOLE   29,251 0 0
ISHARES GLOBAL COMM SERVICES ETF ETF 464287275   515,527 6,909 SH   SOLE   6,909 0 0
ISHARES U.S. INDUSTRIALS ETF ETF 464287754   257,243 2,249 SH   SOLE   2,249 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   366,579 2,502 SH   SOLE   2,502 0 0
COCA COLA CO COM Stock 191216100   253,418 4,300 SH   SOLE   4,300 0 0
ISHARES U.S. HEALTHCARE ETF ETF 464287762   269,178 940 SH   SOLE   940 0 0
NUVEEN CR STRATEGIES INCOME FD COM SHS CEF 67073D102   600,178 114,977 SH   SOLE   114,977 0 0
ISHARES U.S. ENERGY ETF ETF 464287796   661,720 14,998 SH   SOLE   14,998 0 0
MARRIOTT INTL INC NEW CL A Stock 571903202   474,417 2,104 SH   SOLE   2,104 0 0
VANGUARD REAL ESTATE ETF ETF 922908553   5,557,604 62,897 SH   SOLE   62,897 0 0
PAYCHEX INC COM Stock 704326107   609,228 5,115 SH   SOLE   5,115 0 0
ISHARES MSCI UNITED KINGDOM ETF ETF 46435G334   434,714 13,153 SH   SOLE   13,153 0 0
MERCK & CO INC COM Stock 58933Y105   717,494 6,581 SH   SOLE   6,581 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   455,763 959 SH   SOLE   959 0 0
MCKESSON CORP COM Stock 58155Q103   526,777 1,138 SH   SOLE   1,138 0 0
ISHARES TIPS BOND ETF ETF 464287176   9,236,870 85,932 SH   SOLE   85,932 0 0
ISHARES 1-3 YEAR INTERNATIONAL TREASURY BOND ETF ETF 464288125   1,062,244 14,739 SH   SOLE   14,739 0 0
ISHARES U.S. HOME CONSTRUCTION ETF ETF 464288752   880,119 8,652 SH   SOLE   8,652 0 0
ISHARES GLOBAL HEALTHCARE ETF ETF 464287325   1,444,904 16,662 SH   SOLE   16,662 0 0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718   4,271,686 37,135 SH   SOLE   37,135 0 0
ISHARES COHEN & STEERS REIT ETF ETF 464287564   3,953,538 67,317 SH   SOLE   67,317 0 0
FEDEX CORP COM Stock 31428X106   273,002 1,079 SH   SOLE   1,079 0 0
PULTE GROUP INC COM Stock 745867101   447,739 4,338 SH   SOLE   4,338 0 0
PEPSICO INC COM Stock 713448108   767,469 4,519 SH   SOLE   4,519 0 0
ISHARES INTERNATIONAL TREASURY BOND ETF ETF 464288117   6,116,065 147,981 SH   SOLE   147,981 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457   2,232,272 27,210 SH   SOLE   27,210 0 0
KIMBERLY-CLARK CORP COM Stock 494368103   360,431 2,966 SH   SOLE   2,966 0 0
HOME DEPOT INC COM Stock 437076102   507,168 1,463 SH   SOLE   1,463 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   376,346 1,615 SH   SOLE   1,615 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630   1,277,361 8,224 SH   SOLE   8,224 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   263,539 1,932 SH   SOLE   1,932 0 0
BECTON DICKINSON & CO COM Stock 075887109   366,151 1,502 SH   SOLE   1,502 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   2,692,826 57,003 SH   SOLE   57,003 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   408,317 1,347 SH   SOLE   1,347 0 0
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   6,111,857 109,787 SH   SOLE   109,787 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   233,796 6,326 SH   SOLE   6,326 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   421,007 5,845 SH   SOLE   5,845 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   3,369,140 31,124 SH   SOLE   31,124 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   966,166 41,094 SH   SOLE   41,094 0 0
ALPHABET INC CAP STK CL A Stock 02079K305   839,397 6,009 SH   SOLE   6,009 0 0
ISHARES MSCI PACIFIC EX-JAPAN ETF ETF 464286665   281,187 6,477 SH   SOLE   6,477 0 0
INTUIT COM Stock 461202103   484,252 775 SH   SOLE   775 0 0
MICROSOFT CORP COM Stock 594918104   1,345,419 3,578 SH   SOLE   3,578 0 0
LENNAR CORP CL A Stock 526057104   207,954 1,395 SH   SOLE   1,395 0 0
ISHARES EUROPE ETF ETF 464287861   2,947,277 55,756 SH   SOLE   55,756 0 0
ISHARES MSCI BRAZIL ETF ETF 464286400   875,699 25,049 SH   SOLE   25,049 0 0
ROYCE MICRO-CAP TR INC COM CEF 780915104   2,526,828 273,466 SH   SOLE   273,466 0 0
BOEING CO COM Stock 097023105   699,694 2,684 SH   SOLE   2,684 0 0
VANGUARD SMALL-CAP ETF ETF 922908751   1,011,034 4,739 SH   SOLE   4,739 0 0
VANGUARD MID-CAP ETF ETF 922908629   473,175 2,034 SH   SOLE   2,034 0 0
LINDE PLC SHS Stock G54950103   201,397 490 SH   SOLE   490 0 0
VANGUARD HEALTH CARE ETF ETF 92204A504   268,795 1,072 SH   SOLE   1,072 0 0
SABA CAPITAL INCOME & OPPORTUN COM CEF 880198106   2,989,598 788,812 SH   SOLE   788,812 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874   778,802 12,078 SH   SOLE   12,078 0 0
BLACKROCK CORE BD TR SHS BEN INT CEF 09249E101   2,446,245 224,220 SH   SOLE   224,220 0 0
VANGUARD S&P 500 ETF ETF 922908363   214,044 490 SH   SOLE   490 0 0
UBER TECHNOLOGIES INC COM Stock 90353T100   251,698 4,088 SH   SOLE   4,088 0 0
CONSOLIDATED EDISON INC COM Stock 209115104   231,795 2,548 SH   SOLE   2,548 0 0
ISHARES U.S. REGIONAL BANKS ETF ETF 464288778   1,382,723 33,048 SH   SOLE   33,048 0 0
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   13,504,893 136,980 SH   SOLE   136,980 0 0
VANECK GOLD MINERS ETF ETF 92189F106   264,461 8,528 SH   SOLE   8,528 0 0
ISHARES MSCI EAFE GROWTH ETF ETF 464288885   272,234 2,811 SH   SOLE   2,811 0 0
ELI LILLY & CO COM Stock 532457108   583,273 1,001 SH   SOLE   1,001 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   247,605 4,272 SH   SOLE   4,272 0 0
VANGUARD S&P 500 VALUE ETF ETF 921932703   4,574,155 27,234 SH   SOLE   27,234 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655   1,412,351 7,037 SH   SOLE   7,037 0 0
MICRON TECHNOLOGY INC COM Stock 595112103   328,500 3,849 SH   SOLE   3,849 0 0
AFLAC INC COM Stock 001055102   2,467,713 29,912 SH   SOLE   29,912 0 0
MARATHON PETE CORP COM Stock 56585A102   395,434 2,665 SH   SOLE   2,665 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611   1,420,607 7,894 SH   SOLE   7,894 0 0
VANECK IG FLOATING RATE ETF ETF 92189F486   7,288,520 289,802 SH   SOLE   289,802 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877   482,365 9,258 SH   SOLE   9,258 0 0
BLACKROCK ENHANCED EQUITY DIVI COM CEF 09251A104   100,760 13,103 SH   SOLE   13,103 0 0
ISHARES GLOBAL 100 ETF ETF 464287572   219,732 2,729 SH   SOLE   2,729 0 0
VISA INC COM CL A Stock 92826C839   343,128 1,318 SH   SOLE   1,318 0 0
INVESCO SOLAR ETF ETF 46138G706   769,940 14,432 SH   SOLE   14,432 0 0
PIMCO ACTIVE BOND ETF ETF 72201R775   2,203,514 23,835 SH   SOLE   23,835 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   572,003 2,366 SH   SOLE   2,366 0 0
VANGUARD GROWTH ETF ETF 922908736   256,088 824 SH   SOLE   824 0 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267   1,101,289 47,799 SH   SOLE   47,799 0 0
ISHARES MICRO-CAP ETF ETF 464288869   2,000,386 17,240 SH   SOLE   17,240 0 0
FLAHERTY & CRUMRINE PFD SECS I COM CEF 338478100   1,866,276 134,264 SH   SOLE   134,264 0 0
Agriculture Producers Index ETF 464286350   269,460 7,056 SH   SOLE   7,056 0 0
ISHARES MSCI GLOBAL METALS & MINING PRODUCERS ETF ETF 46434G848   1,245,684 28,922 SH   SOLE   28,922 0 0
ISHARES MSCI GLOBAL GOLD MINERS ETF ETF 46434G855   826,954 33,643 SH   SOLE   33,643 0 0
VANGUARD RUSSELL 3000 ETF ETF 92206C599   8,564,263 40,240 SH   SOLE   40,240 0 0
BROADCOM INC COM Stock 11135F101   273,572 245 SH   SOLE   245 0 0
D R HORTON INC COM Stock 23331A109   338,662 2,228 SH   SOLE   2,228 0 0
MARTIN MARIETTA MATLS INC COM Stock 573284106   326,005 653 SH   SOLE   653 0 0
ISHARES GLOBAL UTILITIES ETF ETF 464288711   602,772 10,313 SH   SOLE   10,313 0 0
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   254,761 726 SH   SOLE   726 0 0
NVIDIA CORPORATION COM Stock 67066G104   2,632,153 5,315 SH   SOLE   5,315 0 0
ABBVIE INC COM Stock 00287Y109   737,041 4,756 SH   SOLE   4,756 0 0
SPDR S&P BIOTECH ETF ETF 78464A870   603,793 6,762 SH   SOLE   6,762 0 0
SPDR S&P METALS & MINING ETF ETF 78464A755   1,387,804 23,196 SH   SOLE   23,196 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835   20,723,809 281,765 SH   SOLE   281,765 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648   355,287 1,409 SH   SOLE   1,409 0 0
FASTENAL CO COM Stock 311900104   301,205 4,650 SH   SOLE   4,650 0 0
ISHARES GLOBAL FINANCIALS ETF ETF 464287333   433,547 5,517 SH   SOLE   5,517 0 0
MCDONALDS CORP COM Stock 580135101   331,600 1,118 SH   SOLE   1,118 0 0
CARTER BANKSHARES INC COM NEW Stock 146103106   220,778 14,748 SH   SOLE   14,748 0 0
CISCO SYS INC COM Stock 17275R102   511,340 10,122 SH   SOLE   10,122 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107   460,656 3,125 SH   SOLE   3,125 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   1,724,257 20,566 SH   SOLE   20,566 0 0
ISHARES U.S. CONSUMER STAPLES ETF ETF 464287812   202,829 1,058 SH   SOLE   1,058 0 0
ISHARES BIOTECHNOLOGY ETF ETF 464287556   1,583,277 11,655 SH   SOLE   11,655 0 0
ISHARES U.S. TELECOMMUNICATIONS ETF ETF 464287713   443,079 19,467 SH   SOLE   19,467 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   2,857,121 22,831 SH   SOLE   22,831 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   863,446 4,829 SH   SOLE   4,829 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704   229,942 2,017 SH   SOLE   2,017 0 0
ISHARES US FINANCIAL SERVICES ETF ETF 464287770   2,262,320 12,624 SH   SOLE   12,624 0 0
ISHARES U.S. BASIC MATERIALS ETF ETF 464287838   462,749 3,349 SH   SOLE   3,349 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408   1,821,528 10,475 SH   SOLE   10,475 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309   3,867,158 51,493 SH   SOLE   51,493 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   12,251,238 25,650 SH   SOLE   25,650 0 0
THE CIGNA GROUP COM Stock 125523100   374,731 1,251 SH   SOLE   1,251 0 0
WELLS FARGO CO NEW COM Stock 949746101   278,810 5,665 SH   SOLE   5,665 0 0
UNION PAC CORP COM Stock 907818108   272,229 1,108 SH   SOLE   1,108 0 0
CINTAS CORP COM Stock 172908105   269,503 447 SH   SOLE   447 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102   284,163 607 SH   SOLE   607 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   746,196 4,387 SH   SOLE   4,387 0 0
CHEVRON CORP NEW COM Stock 166764100   381,353 2,557 SH   SOLE   2,557 0 0
CONOCOPHILLIPS COM Stock 20825C104   551,128 4,748 SH   SOLE   4,748 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   30,048,454 627,316 SH   SOLE   627,316 0 0
WALMART INC COM Stock 931142103   207,024 1,313 SH   SOLE   1,313 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   549,812 3,362 SH   SOLE   3,362 0 0
RTX CORPORATION COM Stock 75513E101   304,060 3,614 SH   SOLE   3,614 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   4,815,252 117,159 SH   SOLE   117,159 0 0
TEXAS INSTRS INC COM Stock 882508104   214,394 1,258 SH   SOLE   1,258 0 0
3M CO COM Stock 88579Y101   223,019 2,040 SH   SOLE   2,040 0 0
ALPHABET INC CAP STK CL C Stock 02079K107   344,151 2,442 SH   SOLE   2,442 0 0
AMERICAN EXPRESS CO COM Stock 025816109   220,250 1,176 SH   SOLE   1,176 0 0
APPLIED MATLS INC COM Stock 038222105   327,120 2,018 SH   SOLE   2,018 0 0
ISHARES CORE S&P U.S. GROWTH ETF ETF 464287671   1,501,731 14,426 SH   SOLE   14,426 0 0
ISHARES U.S. CONSUMER DISCRETIONARY ETF ETF 464287580   205,696 2,715 SH   SOLE   2,715 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273   1,522,026 24,588 SH   SOLE   24,588 0 0
ABRDN ASIA PACIFIC INCOME FUND COM CEF 003009107   1,791,508 661,073 SH   SOLE   661,073 0 0
ISHARES 7-10 YEAR TREASURY BOND ETF ETF 464287440   2,056,481 21,335 SH   SOLE   21,335 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   5,042,130 50,802 SH   SOLE   50,802 0 0
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432   1,080,071 10,923 SH   SOLE   10,923 0 0
EATON CORP PLC SHS Stock G29183103   258,630 1,074 SH   SOLE   1,074 0 0
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549   946,830 2,113 SH   SOLE   2,113 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   7,313,511 70,957 SH   SOLE   70,957 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   1,170,531 14,776 SH   SOLE   14,776 0 0
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   2,286,813 20,053 SH   SOLE   20,053 0 0
LAM RESEARCH CORP COM Stock 512807108   849,441 1,084 SH   SOLE   1,084 0 0
ISHARES INTERNATIONAL DEVELOPED REAL ESTATE ETF ETF 464288489   2,166,383 99,558 SH   SOLE   99,558 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105   284,885 1,840 SH   SOLE   1,840 0 0
GRAHAM HLDGS CO COM CL B Stock 384637104   302,986 435 SH   SOLE   435 0 0
ISHARES JPX-NIKKEI 400 ETF ETF 464287382   942,872 13,867 SH   SOLE   13,867 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689   58,975,307 215,443 SH   SOLE   215,443 0 0
ISHARES GLOBAL ENERGY ETF ETF 464287341   4,488,290 114,761 SH   SOLE   114,761 0 0
SPDR DOUBLELINE TOTAL RETURN TACTICAL ETF ETF 78467V848   4,730,143 117,519 SH   SOLE   117,519 0 0
EXXON MOBIL CORP COM Stock 30231G102   1,008,242 10,084 SH   SOLE   10,084 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102   363,598 691 SH   SOLE   691 0 0
LOWES COS INC COM Stock 548661107   421,198 1,893 SH   SOLE   1,893 0 0
SPDR FTSE INTERNATIONAL GOVERNMENT INFLATION-PROTECTED BOND ETF ETF 78464A490   4,704,401 112,170 SH   SOLE   112,170 0 0
ISHARES MSCI AUSTRALIA ETF ETF 464286103   334,096 13,726 SH   SOLE   13,726 0 0
ISHARES U.S. PHARMACEUTICALS ETF ETF 464288836   638,878 3,446 SH   SOLE   3,446 0 0
ISHARES U.S. UTILITIES ETF ETF 464287697   1,918,253 23,999 SH   SOLE   23,999 0 0
CABLE ONE INC COM Stock 12685J105   228,202 410 SH   SOLE   410 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   1,619,342 5,843 SH   SOLE   5,843 0 0
ISHARES MSCI EAFE ETF ETF 464287465   4,842,950 64,273 SH   SOLE   64,273 0 0
APPLE INC COM Stock 037833100   7,176,760 37,276 SH   SOLE   37,276 0 0
ABBOTT LABS COM Stock 002824100   402,571 3,657 SH   SOLE   3,657 0 0
DISNEY WALT CO COM Stock 254687106   220,198 2,439 SH   SOLE   2,439 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   416,784 4,051 SH   SOLE   4,051 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622   2,959,051 11,283 SH   SOLE   11,283 0 0