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
3M CO COM 88579Y101 428 2,155 SH   SOLE   2,155 0 0
ABBOTT LABS COM 002824100 319 2,750 SH   SOLE   2,750 0 0
ABBVIE INC COM 00287Y109 294 2,609 SH   SOLE   2,609 0 0
ADVISORSHARES TR NEWFLT MULSINC 00768Y727 325 6,650 SH   SOLE   6,650 0 0
ALLSTATE CORP COM 020002101 232 1,777 SH   SOLE   1,777 0 0
ALPHABET INC CAP STK CL A 02079K305 662 271 SH   SOLE   271 0 0
ALPHABET INC CAP STK CL C 02079K107 402 161 SH   SOLE   161 0 0
AMAZON COM INC COM 023135106 1,861 541 SH   SOLE   541 0 0
AMGEN INC COM 031162100 574 2,355 SH   SOLE   2,355 0 0
APPLE INC COM 037833100 4,196 30,634 SH   SOLE   30,634 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 427 6,383 SH   SOLE   6,383 0 0
CANADIAN NATL RY CO COM 136375102 221 2,096 SH   SOLE   2,096 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 258 358 SH   SOLE   358 0 0
CISCO SYS INC COM 17275R102 275 5,183 SH   SOLE   5,183 0 0
COMCAST CORP NEW CL A 20030N101 245 4,298 SH   SOLE   4,298 0 0
CSX CORP COM 126408103 577 18,000 SH   SOLE   18,000 0 0
DANAHER CORPORATION COM 235851102 221 822 SH   SOLE   822 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 248 1,296 SH   SOLE   1,296 0 0
DISNEY WALT CO COM 254687106 802 4,561 SH   SOLE   4,561 0 0
EQUIFAX INC COM 294429105 250 1,043 SH   SOLE   1,043 0 0
EXXON MOBIL CORP COM 30231G102 676 10,709 SH   SOLE   10,709 0 0
GENERAL ELECTRIC CO COM 369604103 555 41,236 SH   SOLE   41,236 0 0
HOME DEPOT INC COM 437076102 437 1,369 SH   SOLE   1,369 0 0
INTEL CORP COM 458140100 252 4,484 SH   SOLE   4,484 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 677 4,616 SH   SOLE   4,616 0 0
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 389 12,586 SH   SOLE   12,586 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 262 1,632 SH   SOLE   1,632 0 0
ISHARES INC MSCI EMERG MRKT 464286533 2,630 40,986 SH   SOLE   40,986 0 0
ISHARES TR CONV BD ETF 46435G102 644 6,311 SH   SOLE   6,311 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867 2,732 48,781 SH   SOLE   48,781 0 0
ISHARES TR CORE INTL AGGR 46435G672 223 4,040 SH   SOLE   4,040 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,397 18,659 SH   SOLE   18,659 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 979 13,362 SH   SOLE   13,362 0 0
ISHARES TR CORE S&P TTL STK 464287150 627 6,350 SH   SOLE   6,350 0 0
ISHARES TR CORE S&P US GWT 464287671 765 7,576 SH   SOLE   7,576 0 0
ISHARES TR CORE TOTAL USD 46434V613 396 7,410 SH   SOLE   7,410 0 0
ISHARES TR MSCI USA MMENTM 46432F396 29,502 170,108 SH   SOLE   170,108 0 0
ISHARES TR MRGSTR MD CP VAL 464288406 599 9,327 SH   SOLE   9,327 0 0
ISHARES TR EAFE GRWTH ETF 464288885 429 4,000 SH   SOLE   4,000 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 37,265 493,313 SH   SOLE   493,313 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 403 1,486 SH   SOLE   1,486 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 295 1,154 SH   SOLE   1,154 0 0
ISHARES TR RUS MD CP GR ETF 464287481 843 7,448 SH   SOLE   7,448 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 260 2,261 SH   SOLE   2,261 0 0
ISHARES TR NATIONAL MUN ETF 464288414 3,557 30,349 SH   SOLE   30,349 0 0
ISHARES TR BLACKROCK ULTRA 46434V878 11,524 228,110 SH   SOLE   228,110 0 0
JOHNSON & JOHNSON COM 478160104 1,806 10,964 SH   SOLE   10,964 0 0
JPMORGAN CHASE & CO COM 46625H100 838 5,387 SH   SOLE   5,387 0 0
LILLY ELI & CO COM 532457108 794 3,460 SH   SOLE   3,460 0 0
MARRIOTT INTL INC NEW CL A 571903202 817 5,988 SH   SOLE   5,988 0 0
MERCK & CO INC COM 58933Y105 362 4,650 SH   SOLE   4,650 0 0
MICROSOFT CORP COM 594918104 3,255 12,015 SH   SOLE   12,015 0 0
NIKE INC CL B 654106103 770 4,985 SH   SOLE   4,985 0 0
NORFOLK SOUTHN CORP COM 655844108 212 800 SH   SOLE   800 0 0
ORACLE CORP COM 68389X105 261 3,356 SH   SOLE   3,356 0 0
PEPSICO INC COM 713448108 373 2,517 SH   SOLE   2,517 0 0
PFIZER INC COM 717081103 488 12,472 SH   SOLE   12,472 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 380 3,802 SH   SOLE   3,802 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 398 3,591 SH   SOLE   3,591 0 0
PNC FINL SVCS GROUP INC COM 693475105 218 1,145 SH   SOLE   1,145 0 0
PROCTER AND GAMBLE CO COM 742718109 899 6,660 SH   SOLE   6,660 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 8,912 162,868 SH   SOLE   162,868 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 471 8,633 SH   SOLE   8,633 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 290 2,784 SH   SOLE   2,784 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 12,237 117,693 SH   SOLE   117,693 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 787 5,395 SH   SOLE   5,395 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 15,052 144,483 SH   SOLE   144,483 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 16,669 266,661 SH   SOLE   266,661 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 24,971 58,336 SH   SOLE   58,336 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 258 525 SH   SOLE   525 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 552 10,596 SH   SOLE   10,596 0 0
SPDR SER TR S&P 400 MDCP GRW 78464A821 205 2,645 SH   SOLE   2,645 0 0
SPDR SER TR S&P 400 MDCP VAL 78464A839 380 5,629 SH   SOLE   5,629 0 0
SPDR SER TR S&P 600 SML CAP 78464A813 320 3,274 SH   SOLE   3,274 0 0
STATE STR CORP COM 857477103 239 2,900 SH   SOLE   2,900 0 0
SYSCO CORP COM 871829107 264 3,400 SH   SOLE   3,400 0 0
TRUIST FINL CORP COM 89832Q109 215 3,871 SH   SOLE   3,871 0 0
UNION PAC CORP COM 907818108 821 3,734 SH   SOLE   3,734 0 0
UNITEDHEALTH GROUP INC COM 91324P102 7,422 18,534 SH   SOLE   18,534 0 0
US BANCORP DEL COM NEW 902973304 616 10,808 SH   SOLE   10,808 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 34,060 378,611 SH   SOLE   378,611 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,027 53,016 SH   SOLE   53,016 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 336 854 SH   SOLE   854 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 939 4,168 SH   SOLE   4,168 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 344 1,545 SH   SOLE   1,545 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 489 9,003 SH   SOLE   9,003 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,640 29,653 SH   SOLE   29,653 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 339 3,237 SH   SOLE   3,237 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 324 5,779 SH   SOLE   5,779 0 0
VISA INC COM CL A 92826C839 394 1,687 SH   SOLE   1,687 0 0
WALMART INC COM 931142103 430 3,048 SH   SOLE   3,048 0 0
WELLS FARGO CO NEW COM 949746101 230 5,070 SH   SOLE   5,070 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E204 20,567 1,167,921 SH   SOLE   1,167,921 0 0
ZIX CORP COM 98974P100 91 12,900 SH   SOLE   12,900 0 0