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 1,513 12,625 SH   SOLE   0 0 12,625
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 998 60,845 SH   SOLE   0 0 60,845
AFLAC INC COM 001055102 1,790 34,978 SH   SOLE   0 0 34,978
ALLSTATE CORP COM 020002101 233 2,030 SH   SOLE   0 0 2,030
ALPHABET INC CAP STK CL C 02079K107 2,721 1,316 SH   SOLE   0 0 1,316
ALPHABET INC CAP STK CL A 02079K305 1,198 581 SH   SOLE   0 0 581
AMAZON COM INC COM 023135106 213 69 SH   SOLE   0 0 69
APPLE INC COM 037833100 1,248 10,220 SH   SOLE   0 0 10,220
AT&T INC COM 00206R102 505 16,681 SH   SOLE   0 0 16,681
BK OF AMERICA CORP COM 060505104 219 5,661 SH   SOLE   0 0 5,661
BRISTOL-MYERS SQUIBB CO COM 110122108 214 3,391 SH   SOLE   0 0 3,391
CITIGROUP INC COM NEW 172967424 1,076 14,792 SH   SOLE   0 0 14,792
COCA COLA CO COM 191216100 1,282 24,324 SH   SOLE   0 0 24,324
COLGATE PALMOLIVE CO COM 194162103 322 4,084 SH   SOLE   0 0 4,084
COMCAST CORP NEW CL A 20030N101 1,922 35,525 SH   SOLE   0 0 35,525
DISNEY WALT CO COM 254687106 255 1,381 SH   SOLE   0 0 1,381
EMERSON ELEC CO COM 291011104 330 3,656 SH   SOLE   0 0 3,656
EXXON MOBIL CORP COM 30231G102 336 6,021 SH   SOLE   0 0 6,021
HOME DEPOT INC COM 437076102 2,464 8,072 SH   SOLE   0 0 8,072
INSTALLED BLDG PRODS INC COM 45780R101 376 3,391 SH   SOLE   0 0 3,391
INTEL CORP COM 458140100 745 11,636 SH   SOLE   0 0 11,636
INVESCO QQQ TR UNIT SER 1 46090E103 382 1,196 SH   SOLE   0 0 1,196
ISHARES INC MSCI EMERG MRKT 464286533 9,646 152,723 SH   SOLE   0 0 152,723
ISHARES INC CORE MSCI EMKT 46434G103 1,942 30,172 SH   SOLE   0 0 30,172
ISHARES TR S&P 100 ETF 464287101 108 600 SH   SOLE   0 0 600
ISHARES TR CORE S&P TTL STK 464287150 31 337 SH   SOLE   0 0 337
ISHARES TR CORE S&P500 ETF 464287200 149 374 SH   SOLE   0 0 374
ISHARES TR CORE US AGGBD ET 464287226 1,404 12,331 SH   SOLE   0 0 12,331
ISHARES TR MSCI EMG MKT ETF 464287234 5 100 SH   SOLE   0 0 100
ISHARES TR GLOBAL TECH ETF 464287291 62 201 SH   SOLE   0 0 201
ISHARES TR S&P 500 GRWT ETF 464287309 127 1,952 SH   SOLE   0 0 1,952
ISHARES TR RUS MDCP VAL ETF 464287473 1 8 SH   SOLE   0 0 8
ISHARES TR RUS MD CP GR ETF 464287481 5 48 SH   SOLE   0 0 48
ISHARES TR RUS MID CAP ETF 464287499 27 363 SH   SOLE   0 0 363
ISHARES TR CORE S&P MCP ETF 464287507 58 222 SH   SOLE   0 0 222
ISHARES TR PHLX SEMICND ETF 464287523 5 12 SH   SOLE   0 0 12
ISHARES TR RUS 1000 GRW ETF 464287614 90 370 SH   SOLE   0 0 370
ISHARES TR RUS 2000 VAL ETF 464287630 3 20 SH   SOLE   0 0 20
ISHARES TR RUSSELL 2000 ETF 464287655 29 132 SH   SOLE   0 0 132
ISHARES TR CORE S&P SCP ETF 464287804 15,433 142,198 SH   SOLE   0 0 142,198
ISHARES TR SP SMCP600VL ETF 464287879 3 30 SH   SOLE   0 0 30
ISHARES TR S&P SML 600 GWT 464287887 3 22 SH   SOLE   0 0 22
ISHARES TR US TREAS BD ETF 46429B267 27 1,018 SH   SOLE   0 0 1,018
ISHARES TR CORE HIGH DV ETF 46429B663 9 100 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 6,890 94,394 SH   SOLE   0 0 94,394
ISHARES TR MSCI USA MIN VOL 46429B697 17,129 247,565 SH   SOLE   0 0 247,565
ISHARES TR MSCI USA QLT FCT 46432F339 46,817 384,440 SH   SOLE   0 0 384,440
ISHARES TR MSCI USA VALUE 46432F388 1 13 SH   SOLE   0 0 13
ISHARES TR MSCI USA MMENTM 46432F396 28,763 178,807 SH   SOLE   0 0 178,807
ISHARES TR CORE MSCI EAFE 46432F842 6,427 89,207 SH   SOLE   0 0 89,207
ISHARES TR CORE 1 5 YR USD 46432F859 1 13 SH   SOLE   0 0 13
ISHARES TR EXPONENTIAL TECH 46434V381 238 4,023 SH   SOLE   0 0 4,023
ISHARES TR MSCI CHINA A 46434V514 0 12 SH   SOLE   0 0 12
ISHARES TR CORE DIV GRWTH 46434V621 41,185 853,217 SH   SOLE   0 0 853,217
ISHARES TR CORE MSCI EURO 46434V738 262 4,848 SH   SOLE   0 0 4,848
ISHARES TR MSCI USA SMCP MN 46435G433 2,976 80,756 SH   SOLE   0 0 80,756
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 8,550 170,361 SH   SOLE   0 0 170,361
ISHARES U S ETF TR BLACKROCK SHORT 46431W838 41 825 SH   SOLE   0 0 825
JOHNSON & JOHNSON COM 478160104 1,639 9,973 SH   SOLE   0 0 9,973
JPMORGAN CHASE & CO COM 46625H100 611 4,011 SH   SOLE   0 0 4,011
LOWES COS INC COM 548661107 379 1,992 SH   SOLE   0 0 1,992
MCKESSON CORP COM 58155Q103 226 1,159 SH   SOLE   0 0 1,159
MERCK & CO. INC COM 58933Y105 249 3,232 SH   SOLE   0 0 3,232
MICROSOFT CORP COM 594918104 6,513 27,623 SH   SOLE   0 0 27,623
NATIONAL VISION HLDGS INC COM 63845R107 338 7,722 SH   SOLE   0 0 7,722
NORFOLK SOUTHN CORP COM 655844108 2,756 10,264 SH   SOLE   0 0 10,264
PEPSICO INC COM 713448108 2,194 15,510 SH   SOLE   0 0 15,510
PHILIP MORRIS INTL INC COM 718172109 226 2,545 SH   SOLE   0 0 2,545
PROCTER AND GAMBLE CO COM 742718109 671 4,956 SH   SOLE   0 0 4,956
ROCKWELL AUTOMATION INC COM 773903109 672 2,532 SH   SOLE   0 0 2,532
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 72 618 SH   SOLE   0 0 618
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 62 369 SH   SOLE   0 0 369
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 9 254 SH   SOLE   0 0 254
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 95 717 SH   SOLE   0 0 717
SHERWIN WILLIAMS CO COM 824348106 223 302 SH   SOLE   0 0 302
SOUTHERN CO COM 842587107 2,008 32,302 SH   SOLE   0 0 32,302
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 201 610 SH   SOLE   0 0 610
SPDR S&P 500 ETF TR TR UNIT 78462F103 298 752 SH   SOLE   0 0 752
TRUIST FINL CORP COM 89832Q109 325 5,579 SH   SOLE   0 0 5,579
UNION PAC CORP COM 907818108 490 2,223 SH   SOLE   0 0 2,223
UNITED PARCEL SERVICE INC CL B 911312106 331 1,946 SH   SOLE   0 0 1,946
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 35,582 97,673 SH   SOLE   0 0 97,673
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 3 20 SH   SOLE   0 0 20
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 10,458 113,848 SH   SOLE   0 0 113,848
VANGUARD INDEX FDS SM CP VAL ETF 922908611 0 2 SH   SOLE   0 0 2
VANGUARD INDEX FDS MID CAP ETF 922908629 698 3,152 SH   SOLE   0 0 3,152
VANGUARD INDEX FDS GROWTH ETF 922908736 150 583 SH   SOLE   0 0 583
VANGUARD INDEX FDS VALUE ETF 922908744 3,502 26,639 SH   SOLE   0 0 26,639
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,739 12,796 SH   SOLE   0 0 12,796
VANGUARD INDEX FDS TOTAL STK MKT 922908769 12 60 SH   SOLE   0 0 60
VISA INC COM CL A 92826C839 225 1,065 SH   SOLE   0 0 1,065
WALMART INC COM 931142103 2,542 18,717 SH   SOLE   0 0 18,717
WISDOMTREE TR US LARGECAP DIVD 97717W307 204 1,776 SH   SOLE   0 0 1,776
ZOETIS INC CL A 98978V103 2,221 14,104 SH   SOLE   0 0 14,104