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 023135106 BBG001S5PQL7 381,780 4,545 SH   SOLE 1 0 0 4,545
APPLE INC COM 037833100 BBG001S5N8V8 516,985 3,979 SH   SOLE 1 0 0 3,979
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 243,480 10,028 SH   SOLE 1 0 0 10,028
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 534,702 5,192 SH   SOLE 1 0 0 5,192
GENUINE PARTS CO COM 372460105 BBG001S5RNH7 269,635 1,554 SH   SOLE 1 0 0 1,554
HOME DEPOT INC COM 437076102 BBG001S5RTW7 710,685 2,250 SH   SOLE 1 0 0 2,250
INVESCO EXCH TRADED FD TR II GBL SRT TRM HY 46138E669 BBG004Q00341 223,432 11,631 SH   SOLE 1 0 0 11,631
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 BBG001V0MBC0 4,663,431 227,152 SH   SOLE 1 0 0 227,152
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 BBG006F9S8B0 3,642,920 162,703 SH   SOLE 1 0 0 162,703
ISHARES INC JP MRGN EM HI BD 464286285 BBG002VCZQS8 350,589 10,024 SH   SOLE 1 0 0 10,024
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 672,864 16,455 SH   SOLE 1 0 0 16,455
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 8,111,339 234,907 SH   SOLE 1 0 0 234,907
ISHARES TR CMBS ETF 46429B366 BBG002NCLTH8 259,575 5,654 SH   SOLE 1 0 0 5,654
ISHARES TR CONV BD ETF 46435G102 BBG009BKDMM6 2,582,617 37,176 SH   SOLE 1 0 0 37,176
ISHARES TR CRE U S REIT ETF 464288521 BBG001ST7G55 1,629,531 32,953 SH   SOLE 1 0 0 32,953
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 2,766,516 32,705 SH   SOLE 1 0 0 32,705
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 783,633 15,632 SH   SOLE 1 0 0 15,632
JOUNCE THERAPEUTICS INC COM 481116101 BBG0044BWH09 13,326 12,005 SH   SOLE 1 0 0 12,005
LOWES COS INC COM 548661107 BBG001S5SVL3 343,689 1,725 SH   SOLE 1 0 0 1,725
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 2,924,067 92,916 SH   SOLE 1 0 0 92,916
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 547,290 11,117 SH   SOLE 1 0 0 11,117
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 7,331,155 111,738 SH   SOLE 1 0 0 111,738
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 7,178,458 177,202 SH   SOLE 1 0 0 177,202
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 2,860,258 55,228 SH   SOLE 1 0 0 55,228
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 BBG00L5F9FV7 649,264 13,529 SH   SOLE 1 0 0 13,529
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 295,661 3,380 SH   SOLE 1 0 0 3,380
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 679,948 19,882 SH   SOLE 1 0 0 19,882
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 937,712 7,260 SH   SOLE 1 0 0 7,260
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 324,154 4,348 SH   SOLE 1 0 0 4,348
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 968,224 7,127 SH   SOLE 1 0 0 7,127
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 BBG001S7T232 709,980 7,229 SH   SOLE 1 0 0 7,229
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 BBG001S7R733 395,784 5,095 SH   SOLE 1 0 0 5,095
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 2,191,786 17,613 SH   SOLE 1 0 0 17,613
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 5,906,024 198,923 SH   SOLE 1 0 0 198,923
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 2,949,590 89,490 SH   SOLE 1 0 0 89,490
SPDR SER TR BLOOMBERG INVT 78468R200 BBG0029J2J00 617,708 20,326 SH   SOLE 1 0 0 20,326
SPDR SER TR PORTFOLIO AGRGTE 78464A649 BBG001STKD11 306,713 12,205 SH   SOLE 1 0 0 12,205
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 292,742 6,888 SH   SOLE 1 0 0 6,888
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 476,881 10,602 SH   SOLE 1 0 0 10,602
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 10,668,063 210,540 SH   SOLE 1 0 0 210,540
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 8,925,140 229,497 SH   SOLE 1 0 0 229,497
TRUIST FINL CORP COM 89832Q109 BBG001S5YYC0 279,445 6,494 SH   SOLE 1 0 0 6,494
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 296,010 558 SH   SOLE 1 0 0 558
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 351,099 1,648 SH   SOLE 1 0 0 1,648
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 BBG001T2YZG9 351,741 4,081 SH   SOLE 1 0 0 4,081
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 878,421 11,333 SH   SOLE 1 0 0 11,333
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 BBG001T62M56 3,636,427 48,031 SH   SOLE 1 0 0 48,031
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 2,709,678 43,974 SH   SOLE 1 0 0 43,974
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 3,822,043 83,964 SH   SOLE 1 0 0 83,964
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 9,855,014 170,443 SH   SOLE 1 0 0 170,443
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 6,429,424 85,509 SH   SOLE 1 0 0 85,509
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 311,425 975 SH   SOLE 1 0 0 975