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 221 1,867 SH   SOLE   0 0 1,867
ABBVIE INC COM 00287Y109 513 3,166 SH   SOLE   0 0 3,166
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 3,010 8,927 SH   SOLE   0 0 8,927
AGNC INVT CORP COM 00123Q104 177 13,500 SH   SOLE   0 0 13,500
ALPHABET INC CAP STK CL A 02079K305 779 280 SH   SOLE   0 0 280
ALTRIA GROUP INC COM 02209S103 284 5,441 SH   SOLE   0 0 5,441
AMAZON COM INC COM 023135106 955 293 SH   SOLE   0 0 293
AMERIS BANCORP COM 03076K108 439 10,000 SH   SOLE   0 0 10,000
APPLE INC COM 037833100 4,609 26,394 SH   SOLE   0 0 26,394
AT&T INC COM 00206R102 496 21,001 SH   SOLE   0 0 21,001
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 447 1,267 SH   SOLE   0 0 1,267
BK OF AMERICA CORP COM 060505104 440 10,666 SH   SOLE   0 0 10,666
CHEVRON CORP NEW COM 166764100 639 3,925 SH   SOLE   0 0 3,925
CITIGROUP INC COM NEW 172967424 332 6,210 SH   SOLE   0 0 6,210
COCA COLA CO COM 191216100 408 6,583 SH   SOLE   0 0 6,583
COMCAST CORP NEW CL A 20030N101 257 5,488 SH   SOLE   0 0 5,488
CSX CORP COM 126408103 352 9,389 SH   SOLE   0 0 9,389
DISNEY WALT CO COM 254687106 277 2,019 SH   SOLE   0 0 2,019
EXXON MOBIL CORP COM 30231G102 985 11,928 SH   SOLE   0 0 11,928
GENERAL DYNAMICS CORP COM 369550108 247 1,023 SH   SOLE   0 0 1,023
GENUINE PARTS CO COM 372460105 1,299 10,307 SH   SOLE   0 0 10,307
GRAINGER W W INC COM 384802104 318 616 SH   SOLE   0 0 616
HOME DEPOT INC COM 437076102 3,465 11,576 SH   SOLE   0 0 11,576
INDEPENDENCE RLTY TR INC COM 45378A106 277 10,488 SH   SOLE   0 0 10,488
INTERNATIONAL BUSINESS MACHS COM 459200101 624 4,797 SH   SOLE   0 0 4,797
INTUITIVE SURGICAL INC COM NEW 46120E602 214 708 SH   SOLE   0 0 708
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102 214 4,368 SH   SOLE   0 0 4,368
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 50,252 318,635 SH   SOLE   0 0 318,635
INVESCO EXCHANGE TRADED FD T FINL PFD ETF 46137V621 2,219 131,142 SH   SOLE   0 0 131,142
INVESCO QQQ TR UNIT SER 1 46090E103 600 1,654 SH   SOLE   0 0 1,654
ISHARES TR CORE S&P500 ETF 464287200 58,002 127,845 SH   SOLE   0 0 127,845
ISHARES TR RUS MD CP GR ETF 464287481 256 2,550 SH   SOLE   0 0 2,550
ISHARES TR RUS MID CAP ETF 464287499 1,695 21,721 SH   SOLE   0 0 21,721
ISHARES TR RUS 1000 VAL ETF 464287598 1,553 9,359 SH   SOLE   0 0 9,359
ISHARES TR RUS 1000 GRW ETF 464287614 37,183 133,929 SH   SOLE   0 0 133,929
ISHARES TR RUS 1000 ETF 464287622 90,418 361,571 SH   SOLE   0 0 361,571
ISHARES TR RUSSELL 2000 ETF 464287655 3,363 16,382 SH   SOLE   0 0 16,382
ISHARES TR RUSSELL 3000 ETF 464287689 286 1,090 SH   SOLE   0 0 1,090
ISHARES TR CORE S&P SCP ETF 464287804 2,222 20,592 SH   SOLE   0 0 20,592
ISHARES TR MSCI ACWI ETF 464288257 926 9,281 SH   SOLE   0 0 9,281
ISHARES TR CORE HIGH DV ETF 46429B663 21,148 197,851 SH   SOLE   0 0 197,851
ISHARES TR MSCI EAFE MIN VL 46429B689 268 3,712 SH   SOLE   0 0 3,712
ISHARES TR CORE MSCI EAFE 46432F842 1,311 18,865 SH   SOLE   0 0 18,865
ISHARES TR US SML CP VALUE 46436E536 15,483 504,162 SH   SOLE   0 0 504,162
JOHNSON & JOHNSON COM 478160104 439 2,475 SH   SOLE   0 0 2,475
JPMORGAN CHASE & CO COM 46625H100 501 3,673 SH   SOLE   0 0 3,673
KIMBERLY-CLARK CORP COM 494368103 599 4,866 SH   SOLE   0 0 4,866
MARKEL CORP COM 570535104 211 143 SH   SOLE   0 0 143
MCDONALDS CORP COM 580135101 700 2,832 SH   SOLE   0 0 2,832
META PLATFORMS INC CL A 30303M102 235 1,059 SH   SOLE   0 0 1,059
MICROSOFT CORP COM 594918104 2,971 9,635 SH   SOLE   0 0 9,635
PROCTER AND GAMBLE CO COM 742718109 1,128 7,384 SH   SOLE   0 0 7,384
PURE STORAGE INC CL A 74624M102 800 22,644 SH   SOLE   0 0 22,644
RAYTHEON TECHNOLOGIES CORP COM 75513E101 324 3,272 SH   SOLE   0 0 3,272
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 276 5,162 SH   SOLE   0 0 5,162
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,633 30,326 SH   SOLE   0 0 30,326
SOUTHERN CO COM 842587107 944 13,016 SH   SOLE   0 0 13,016
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,531 16,675 SH   SOLE   0 0 16,675
SPDR SER TR PRTFLO S&P500 GW 78464A409 775 11,702 SH   SOLE   0 0 11,702
TESLA INC COM 88160R101 366 340 SH   SOLE   0 0 340
TRUIST FINL CORP COM 89832Q109 598 10,542 SH   SOLE   0 0 10,542
UNITED PARCEL SERVICE INC CL B 911312106 278 1,294 SH   SOLE   0 0 1,294
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 247 2,282 SH   SOLE   0 0 2,282
VANGUARD INDEX FDS MID CAP ETF 922908629 383 1,609 SH   SOLE   0 0 1,609
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,120 9,312 SH   SOLE   0 0 9,312
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 50,510 311,485 SH   SOLE   0 0 311,485
VANGUARD STAR FDS VG TL INTL STK F 921909768 960 16,062 SH   SOLE   0 0 16,062
VERIZON COMMUNICATIONS INC COM 92343V104 314 6,171 SH   SOLE   0 0 6,171