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
ABBOTT LABS COM 002824100 1,587 14,580 SH   SOLE   0 0 14,580
AFLAC INC COM 001055102 1,286 35,365 SH   SOLE   0 0 35,365
ALPHABET INC CAP STK CL C 02079K107 2,273 1,547 SH   SOLE   0 0 1,547
ALPHABET INC CAP STK CL A 02079K305 907 619 SH   SOLE   0 0 619
AMAZON COM INC COM 023135106 293 93 SH   SOLE   0 0 93
APPLE INC COM 037833100 1,222 10,550 SH   SOLE   0 0 10,550
AT&T INC COM 00206R102 492 17,243 SH   SOLE   0 0 17,243
BRISTOL-MYERS SQUIBB CO COM 110122108 210 3,478 SH   SOLE   0 0 3,478
BRISTOL-MYERS SQUIBB CO RIGHT 99/99/9999 110122157 1 287 SH   SOLE   0 0 287
CANADIAN NATL RY CO COM 136375102 411 3,860 SH   SOLE   0 0 3,860
CITIGROUP INC COM NEW 172967424 1,015 23,551 SH   SOLE   0 0 23,551
COCA COLA CO COM 191216100 1,325 26,837 SH   SOLE   0 0 26,837
COLGATE PALMOLIVE CO COM 194162103 315 4,084 SH   SOLE   0 0 4,084
COMCAST CORP NEW CL A 20030N101 1,705 36,866 SH   SOLE   0 0 36,866
EMERSON ELEC CO COM 291011104 266 4,056 SH   SOLE   0 0 4,056
EXXON MOBIL CORP COM 30231G102 255 7,425 SH   SOLE   0 0 7,425
HOME DEPOT INC COM 437076102 3,962 14,267 SH   SOLE   0 0 14,267
INSTALLED BLDG PRODS INC COM 45780R101 345 3,391 SH   SOLE   0 0 3,391
INTEL CORP COM 458140100 839 16,195 SH   SOLE   0 0 16,195
INVESCO QQQ TR UNIT SER 1 46090E103 332 1,196 SH   SOLE   0 0 1,196
ISHARES INC MSCI EMERG MRKT 464286533 8,465 153,415 SH   SOLE   0 0 153,415
ISHARES INC CORE MSCI EMKT 46434G103 318 6,026 SH   SOLE   0 0 6,026
ISHARES TR S&P 100 ETF 464287101 93 600 SH   SOLE   0 0 600
ISHARES TR CORE S&P TTL STK 464287150 24 315 SH   SOLE   0 0 315
ISHARES TR CORE S&P500 ETF 464287200 113 337 SH   SOLE   0 0 337
ISHARES TR CORE US AGGBD ET 464287226 1,245 10,550 SH   SOLE   0 0 10,550
ISHARES TR MSCI EMG MKT ETF 464287234 4 100 SH   SOLE   0 0 100
ISHARES TR GLOBAL TECH ETF 464287291 53 201 SH   SOLE   0 0 201
ISHARES TR S&P 500 GRWT ETF 464287309 113 488 SH   SOLE   0 0 488
ISHARES TR CORE S&P MCP ETF 464287507 41 222 SH   SOLE   0 0 222
ISHARES TR PHLX SEMICND ETF 464287523 4 12 SH   SOLE   0 0 12
ISHARES TR NASDAQ BIOTECH 464287556 1 5 SH   SOLE   0 0 5
ISHARES TR RUS 1000 GRW ETF 464287614 115 529 SH   SOLE   0 0 529
ISHARES TR RUSSELL 2000 ETF 464287655 20 132 SH   SOLE   0 0 132
ISHARES TR CORE S&P SCP ETF 464287804 4,010 57,105 SH   SOLE   0 0 57,105
ISHARES TR US TREAS BD ETF 46429B267 28 1,018 SH   SOLE   0 0 1,018
ISHARES TR CORE HIGH DV ETF 46429B663 8 100 SH   SOLE   0 0 100
ISHARES TR MSCI CHINA ETF 46429B671 1 7 SH   SOLE   0 0 7
ISHARES TR MSCI EAFE MIN VL 46429B689 6,760 99,220 SH   SOLE   0 0 99,220
ISHARES TR MSCI USA MIN VOL 46429B697 20,166 316,433 SH   SOLE   0 0 316,433
ISHARES TR MSCI USA QLT FCT 46432F339 40,539 390,774 SH   SOLE   0 0 390,774
ISHARES TR MSCI USA MMENTM 46432F396 27,268 184,994 SH   SOLE   0 0 184,994
ISHARES TR CORE MSCI EAFE 46432F842 4,447 73,776 SH   SOLE   0 0 73,776
ISHARES TR CORE 1 5 YR USD 46432F859 1 13 SH   SOLE   0 0 13
ISHARES TR EXPONENTIAL TECH 46434V381 161 3,311 SH   SOLE   0 0 3,311
ISHARES TR MSCI CHINA A 46434V514 0 12 SH   SOLE   0 0 12
ISHARES TR CORE DIV GRWTH 46434V621 29,674 745,762 SH   SOLE   0 0 745,762
ISHARES TR CORE MSCI EURO 46434V738 205 4,580 SH   SOLE   0 0 4,580
ISHARES TR MSCI USA SMCP MN 46435G433 5,747 196,669 SH   SOLE   0 0 196,669
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 9,969 198,932 SH   SOLE   0 0 198,932
ISHARES U S ETF TR SHT MAT MUN ETF 46431W838 61 1,223 SH   SOLE   0 0 1,223
JOHNSON & JOHNSON COM 478160104 1,547 10,390 SH   SOLE   0 0 10,390
JPMORGAN CHASE & CO COM 46625H100 406 4,215 SH   SOLE   0 0 4,215
LOWES COS INC COM 548661107 314 1,892 SH   SOLE   0 0 1,892
MERCK & CO. INC COM 58933Y105 263 3,165 SH   SOLE   0 0 3,165
MICROSOFT CORP COM 594918104 6,111 29,057 SH   SOLE   0 0 29,057
NATIONAL VISION HLDGS INC COM 63845R107 318 8,322 SH   SOLE   0 0 8,322
NORFOLK SOUTHN CORP COM 655844108 2,240 10,469 SH   SOLE   0 0 10,469
PEPSICO INC COM 713448108 2,372 17,111 SH   SOLE   0 0 17,111
PROCTER AND GAMBLE CO COM 742718109 865 6,226 SH   SOLE   0 0 6,226
ROCKWELL AUTOMATION INC COM 773903109 559 2,532 SH   SOLE   0 0 2,532
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 65 618 SH   SOLE   0 0 618
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 0 6 SH   SOLE   0 0 6
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 54 369 SH   SOLE   0 0 369
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 6 254 SH   SOLE   0 0 254
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 90 767 SH   SOLE   0 0 767
SOUTHERN CO COM 842587107 1,677 30,921 SH   SOLE   0 0 30,921
SPDR S&P 500 ETF TR TR UNIT 78462F103 243 725 SH   SOLE   0 0 725
TRUIST FINL CORP COM 89832Q109 216 5,679 SH   SOLE   0 0 5,679
UNION PAC CORP COM 907818108 428 2,175 SH   SOLE   0 0 2,175
UNITED PARCEL SERVICE INC CL B 911312106 335 2,011 SH   SOLE   0 0 2,011
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 25,412 82,601 SH   SOLE   0 0 82,601
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,785 111,261 SH   SOLE   0 0 111,261
VANGUARD INDEX FDS MID CAP ETF 922908629 657 3,727 SH   SOLE   0 0 3,727
VANGUARD INDEX FDS GROWTH ETF 922908736 112 491 SH   SOLE   0 0 491
VANGUARD INDEX FDS VALUE ETF 922908744 2,783 26,630 SH   SOLE   0 0 26,630
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,605 10,436 SH   SOLE   0 0 10,436
VERIZON COMMUNICATIONS INC COM 92343V104 206 3,464 SH   SOLE   0 0 3,464
WALMART INC COM 931142103 2,764 19,753 SH   SOLE   0 0 19,753
ZOETIS INC CL A 98978V103 2,377 14,372 SH   SOLE   0 0 14,372