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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COM 00206R102 436 11,151 SH   SOLE   0 0 11,151
APPLE INC COM 037833100 483 1,644 SH   SOLE   0 0 1,644
EXXON MOBIL CORP COM 30231G102 280 4,018 SH   SOLE   0 0 4,018
GLOBAL PMTS INC COM 37940X102 377 2,067 SH   SOLE   0 0 2,067
HOME DEPOT INC COM 437076102 340 1,556 SH   SOLE   0 0 1,556
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 204 5,965 SH   SOLE   0 0 5,965
ISHARES TR CORE S&P500 ETF 464287200 1,016 3,142 SH   SOLE   0 0 3,142
ISHARES TR CORE US AGGBD ET 464287226 17,521 155,925 SH   SOLE   0 0 155,925
ISHARES TR MSCI EAFE ETF 464287465 318 4,585 SH   SOLE   0 0 4,585
ISHARES TR CORE S&P SCP ETF 464287804 14,752 175,927 SH   SOLE   0 0 175,927
ISHARES TR IBOXX HI YD ETF 464288513 334 3,801 SH   SOLE   0 0 3,801
PIMCO ETF TR ACTIVE BD ETF 72201R775 16,542 153,434 SH   SOLE   0 0 153,434
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 690 8,975 SH   SOLE   0 0 8,975
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,734 28,836 SH   SOLE   0 0 28,836
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,274 170,800 SH   SOLE   0 0 170,800
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 482 6,368 SH   SOLE   0 0 6,368
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 517 18,875 SH   SOLE   0 0 18,875
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,918 67,641 SH   SOLE   0 0 67,641
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,108 62,678 SH   SOLE   0 0 62,678
3M CO COM 88579Y101 301 1,708 SH   SOLE   0 0 1,708
VANGUARD STAR FD VG TL INTL STK F 921909768 19,081 342,628 SH   SOLE   0 0 342,628
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 751 17,049 SH   SOLE   0 0 17,049
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 21,802 442,404 SH   SOLE   0 0 442,404
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,666 39,509 SH   SOLE   0 0 39,509
VANGUARD INDEX FDS MID CAP ETF 922908629 1,379 7,741 SH   SOLE   0 0 7,741
VANGUARD INDEX FDS GROWTH ETF 922908736 381 2,089 SH   SOLE   0 0 2,089
VANGUARD INDEX FDS TOTAL STK MKT 922908769 12,847 78,517 SH   SOLE   0 0 78,517
VERIZON COMMUNICATIONS INC COM 92343V104 262 4,265 SH   SOLE   0 0 4,265
WISDOMTREE TR EMER MKT HIGH FD 97717W315 3,743 81,782 SH   SOLE   0 0 81,782
WISDOMTREE TR INTL SMCAP DIV 97717W760 2,802 39,406 SH   SOLE   0 0 39,406