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 314 11,023 SH   SOLE   0 0 11,023
APPLE INC COM 037833100 715 6,176 SH   SOLE   0 0 6,176
COCA COLA CO COM 191216100 220 4,455 SH   SOLE   0 0 4,455
GLOBAL PMTS INC COM 37940X102 347 1,954 SH   SOLE   0 0 1,954
HOME DEPOT INC COM 437076102 450 1,619 SH   SOLE   0 0 1,619
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 277 4,555 SH   SOLE   0 0 4,555
ISHARES TR CORE S&P500 ETF 464287200 692 2,058 SH   SOLE   0 0 2,058
ISHARES TR CORE US AGGBD ET 464287226 26,287 222,657 SH   SOLE   0 0 222,657
ISHARES TR CORE S&P MCP ETF 464287507 492 2,655 SH   SOLE   0 0 2,655
ISHARES TR S&P MC 400VL ETF 464287705 430 3,192 SH   SOLE   0 0 3,192
ISHARES TR CORE S&P SCP ETF 464287804 14,939 212,715 SH   SOLE   0 0 212,715
ISHARES TR IBOXX HI YD ETF 464288513 956 11,392 SH   SOLE   0 0 11,392
ISHARES INC MSCI GBL ETF NEW 46434G848 339 12,647 SH   SOLE   0 0 12,647
ISHARES TR ESG AWR US AGRGT 46435U549 324 5,739 SH   SOLE   0 0 5,739
MASTERCARD INCORPORATED CL A 57636Q104 209 617 SH   SOLE   0 0 617
PIMCO ETF TR ACTIVE BD ETF 72201R775 18,429 163,915 SH   SOLE   0 0 163,915
SPDR S&P 500 ETF TR TR UNIT 78462F103 415 1,239 SH   SOLE   0 0 1,239
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 567 7,117 SH   SOLE   0 0 7,117
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 11,836 213,347 SH   SOLE   0 0 213,347
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 474 6,939 SH   SOLE   0 0 6,939
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 547 20,457 SH   SOLE   0 0 20,457
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,208 38,478 SH   SOLE   0 0 38,478
TESLA INC COM 88160R101 224 522 SH   SOLE   0 0 522
3M CO COM 88579Y101 274 1,708 SH   SOLE   0 0 1,708
VANGUARD STAR FDS VG TL INTL STK F 921909768 6,942 133,060 SH   SOLE   0 0 133,060
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 21,815 533,368 SH   SOLE   0 0 533,368
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 21,704 425,399 SH   SOLE   0 0 425,399
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 247 4,896 SH   SOLE   0 0 4,896
VANGUARD WORLD FDS INF TECH ETF 92204A702 21,080 67,683 SH   SOLE   0 0 67,683
VANGUARD WORLD FDS UTILITIES ETF 92204A876 219 1,699 SH   SOLE   0 0 1,699
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,241 7,284 SH   SOLE   0 0 7,284
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,517 57,205 SH   SOLE   0 0 57,205
VANGUARD INDEX FDS MID CAP ETF 922908629 2,258 12,812 SH   SOLE   0 0 12,812
VANGUARD INDEX FDS GROWTH ETF 922908736 458 2,013 SH   SOLE   0 0 2,013
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,867 12,142 SH   SOLE   0 0 12,142
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,784 69,192 SH   SOLE   0 0 69,192
VERIZON COMMUNICATIONS INC COM 92343V104 254 4,265 SH   SOLE   0 0 4,265
WISDOMTREE TR EMER MKT HIGH FD 97717W315 740 21,004 SH   SOLE   0 0 21,004
WISDOMTREE TR INTL SMCAP DIV 97717W760 2,801 46,768 SH   SOLE   0 0 46,768
WISDOMTREE TR EM EX ST-OWNED 97717X578 5,612 166,669 SH   SOLE   0 0 166,669