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
3M CO COM 88579Y101   217,879 1,235 SH   SOLE   0 0 1,235
ABBOTT LABS COM 002824100   623,655 7,180 SH   SOLE   0 0 7,180
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   790,690 3,755 SH   SOLE   0 0 3,755
ADVANCE AUTO PARTS INC COM 00751Y106   1,510,469 9,431 SH   SOLE   0 0 9,431
AERCAP HOLDINGS NV SHS N00985106   1,514,252 24,634 SH   SOLE   0 0 24,634
ALLIANCE RES PARTNER L P UT LTD PART 01877R108   1,326,366 122,585 SH   SOLE   0 0 122,585
ALLSTATE CORP COM 020002101   1,167,568 10,383 SH   SOLE   0 0 10,383
ALPHABET INC CAP STK CL C 02079K107   2,164,635 1,619 SH   SOLE   0 0 1,619
AMAZON COM INC COM 023135106   230,980 125 SH   SOLE   0 0 125
AMERICAN INTL GROUP INC COM NEW 026874784   1,404,697 27,366 SH   SOLE   0 0 27,366
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   881,766 10,748 SH   SOLE   0 0 10,748
AON PLC SHS CL A G0403H108   1,166,216 5,599 SH   SOLE   0 0 5,599
APPLE INC COM 037833100   1,313,790 4,474 SH   SOLE   0 0 4,474
APPLIED MATLS INC COM 038222105   732,480 12,000 SH   SOLE   0 0 12,000
BANK AMER CORP COM 060505104   1,342,516 38,118 SH   SOLE   0 0 38,118
BRISTOL MYERS SQUIBB CO COM 110122108   240,327 3,744 SH   SOLE   0 0 3,744
CHEVRON CORP NEW COM 166764100   1,022,045 8,481 SH   SOLE   0 0 8,481
CIGNA CORP NEW COM 125523100   1,728,758 8,454 SH   SOLE   0 0 8,454
CISCO SYS INC COM 17275R102   1,290,412 26,906 SH   SOLE   0 0 26,906
CIT GROUP INC COM NEW 125581801   1,178,075 25,818 SH   SOLE   0 0 25,818
COMCAST CORP NEW CL A 20030N101   1,618,560 35,992 SH   SOLE   0 0 35,992
CONAGRA BRANDS INC COM 205887102   588,209 17,179 SH   SOLE   0 0 17,179
CONOCOPHILLIPS COM 20825C104   519,200 7,984 SH   SOLE   0 0 7,984
COSTCO WHSL CORP NEW COM 22160K105   293,920 1,000 SH   SOLE   0 0 1,000
DISNEY WALT CO COM DISNEY 254687106   1,617,687 11,185 SH   SOLE   0 0 11,185
DOLLAR TREE INC COM 256746108   1,094,930 11,642 SH   SOLE   0 0 11,642
DYCOM INDS INC COM 267475101   1,331,092 28,231 SH   SOLE   0 0 28,231
EOG RES INC COM 26875P101   892,128 10,651 SH   SOLE   0 0 10,651
GENERAL DYNAMICS CORP COM 369550108   1,549,940 8,789 SH   SOLE   0 0 8,789
GILEAD SCIENCES INC COM 375558103   1,278,546 19,676 SH   SOLE   0 0 19,676
HOME DEPOT INC COM 437076102   248,953 1,140 SH   SOLE   0 0 1,140
HONEYWELL INTL INC COM 438516106   1,447,152 8,176 SH   SOLE   0 0 8,176
INTEL CORP COM 458140100   615,557 10,285 SH   SOLE   0 0 10,285
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,111,526 12,010 SH   SOLE   0 0 12,010
INTUIT COM 461202103   209,544 800 SH   SOLE   0 0 800
ISHARES TR TIPS BD ETF 464287176   1,012,993 8,690 SH   SOLE   0 0 8,690
ISHARES TR EAFE SML CP ETF 464288273   6,133,397 98,481 SH   SOLE   0 0 98,481
ISHARES TR NORTH AMERN NAT 464287374   2,472,745 82,151 SH   SOLE   0 0 82,151
ISHARES TR RUSSELL 2000 ETF 464287655   243,369 1,469 SH   SOLE   0 0 1,469
ISHARES TR CORE S&P MCP ETF 464287507   326,636 1,587 SH   SOLE   0 0 1,587
ISHARES TR EDGE MSCI USA VL 46432F388   270,305,050 3,012,427 SH   SOLE   0 0 3,012,427
ISHARES TR MSCI EAFE ETF 464287465   309,494 4,457 SH   SOLE   0 0 4,457
ISHARES TR RUS 1000 GRW ETF 464287614   603,582 3,431 SH   SOLE   0 0 3,431
ISHARES TR RUS 1000 VAL ETF 464287598   1,084,880 7,949 SH   SOLE   0 0 7,949
ISHARES TR RUS 2000 GRW ETF 464287648   1,424,991 6,652 SH   SOLE   0 0 6,652
ISHARES TR RUS 2000 VAL ETF 464287630   3,117,358 24,245 SH   SOLE   0 0 24,245
KROGER CO COM 501044101   932,057 32,151 SH   SOLE   0 0 32,151
LILLY ELI & CO COM 532457108   1,037,114 7,891 SH   SOLE   0 0 7,891
MEDTRONIC PLC SHS G5960L103   1,551,088 13,672 SH   SOLE   0 0 13,672
MERCK & CO INC COM 58933Y105   1,255,656 13,806 SH   SOLE   0 0 13,806
MICROSOFT CORP COM 594918104   1,733,912 10,995 SH   SOLE   0 0 10,995
MONDELEZ INTL INC CL A 609207105   1,476,585 26,808 SH   SOLE   0 0 26,808
MOTOROLA SOLUTIONS INC COM NEW 620076307   2,046,478 12,700 SH   SOLE   0 0 12,700
NEXTERA ENERGY INC COM 65339F101   1,224,603 5,057 SH   SOLE   0 0 5,057
NXP SEMICONDUCTORS N V COM N6596X109   1,345,902 10,576 SH   SOLE   0 0 10,576
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   39,885,718 392,615 SH   SOLE   0 0 392,615
PROCTER & GAMBLE CO COM 742718109   2,734,436 21,893 SH   SOLE   0 0 21,893
QORVO INC COM 74736K101   243,269 2,093 SH   SOLE   0 0 2,093
RAYONIER INC COM 754907103   223,096 6,810 SH   SOLE   0 0 6,810
SCHLUMBERGER LTD COM 806857108   715,480 17,798 SH   SOLE   0 0 17,798
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   471,581 7,844 SH   SOLE   0 0 7,844
SCHWAB STRATEGIC TR US TIPS ETF 808524870   3,707,826 65,475 SH   SOLE   0 0 65,475
SCHWAB STRATEGIC TR US REIT ETF 808524847   968,469 21,072 SH   SOLE   0 0 21,072
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   7,682,918 241,146 SH   SOLE   0 0 241,146
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   26,652,922 577,528 SH   SOLE   0 0 577,528
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,651,805 8,239 SH   SOLE   0 0 8,239
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409   504,848 12,046 SH   SOLE   0 0 12,046
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508   4,058,602 116,259 SH   SOLE   0 0 116,259
SYNCHRONY FINL COM 87165B103   595,245 16,530 SH   SOLE   0 0 16,530
TRUIST FINL CORP COM 89832Q109   1,293,501 22,967 SH   SOLE   0 0 22,967
UBS GROUP AG SHS H42097107   667,772 53,082 SH   SOLE   0 0 53,082
UNION PACIFIC CORP COM 907818108   217,310 1,202 SH   SOLE   0 0 1,202
UNITED PARCEL SERVICE INC CL B 911312106   969,725 8,284 SH   SOLE   0 0 8,284
US BANCORP DEL COM NEW 902973304   1,220,247 20,581 SH   SOLE   0 0 20,581
VANGUARD GROUP DIV APP ETF 921908844   931,834 7,475 SH   SOLE   0 0 7,475
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   438,103 4,721 SH   SOLE   0 0 4,721
VANGUARD INDEX FDS GROWTH ETF 922908736   378,787 2,079 SH   SOLE   0 0 2,079
VANGUARD INDEX FDS TOTAL STK MKT 922908769   665,606 4,068 SH   SOLE   0 0 4,068
VANGUARD INDEX FDS SM CP VAL ETF 922908611   60,498,146 441,367 SH   SOLE   0 0 441,367
VANGUARD INDEX FDS VALUE ETF 922908744   462,381 3,858 SH   SOLE   0 0 3,858
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   173,691,825 1,563,383 SH   SOLE   0 0 1,563,383
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   1,929,348 32,651 SH   SOLE   0 0 32,651
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858   4,627,666 105,031 SH   SOLE   0 0 105,031
VANGUARD WORLD FDS MATERIALS ETF 92204A801   232,599 1,734 SH   SOLE   0 0 1,734
VERIZON COMMUNICATIONS INC COM 92343V104   1,419,998 23,127 SH   SOLE   0 0 23,127
VISA INC COM CL A 92826C839   281,850 1,500 SH   SOLE   0 0 1,500
VULCAN MATLS CO COM 929160109   1,405,630 9,762 SH   SOLE   0 0 9,762
WISDOMTREE TR US LARGECAP DIVD 97717W307   794,246 7,498 SH   SOLE   0 0 7,498
WISDOMTREE TR INTL SMCAP DIV 97717W760   240,637 3,384 SH   SOLE   0 0 3,384
WISDOMTREE TR US MIDCAP FUND 97717W570   706,220 16,779 SH   SOLE   0 0 16,779