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
3M CO COM 88579Y101 382 2,958 SH   SOLE NONE 0 0 2,958
A T & T INC COM 00206R102 433 20,675 SH   SOLE NONE 0 0 20,675
ABBOTT LABORATORIES COM 002824100 341 3,138 SH   SOLE NONE 0 0 3,138
ABBVIE INC COM 00287Y109 883 5,771 SH   SOLE NONE 0 0 5,771
ADOBE INC COM 00724F101 597 1,633 SH   SOLE NONE 0 0 1,633
ALBEMARLE CORP COM 012653101 1,990 9,523 SH   SOLE NONE 0 0 9,523
ALPHABET INC. CAP STK CL C 02079K107 210 96 SH   SOLE NONE 0 0 96
ALPHABET INC. CL A CAP STK CL A 02079K305 416 191 SH   SOLE NONE 0 0 191
ALTRIA GROUP INC COM 02209S103 413 9,905 SH   SOLE NONE 0 0 9,905
AMAZON.COM INC COM 023135106 2,822 26,574 SH   SOLE NONE 0 0 26,574
AMGEN INC. COM 031162100 2,261 9,293 SH   SOLE NONE 0 0 9,293
ANALOG DEVICES INC COM 032654105 1,155 7,910 SH   SOLE NONE 0 0 7,910
APPLE INC COM 037833100 9,976 72,968 SH   SOLE NONE 0 0 72,968
ASTRAZENECA PLC IAM CO F SPONSORED ADR 046353108 694 10,508 SH   SOLE NONE 0 0 10,508
BANK OF AMERICA CORP COM 060505104 276 8,874 SH   SOLE NONE 0 0 8,874
BERKSHIRE HATHAWAY CL B NEW 084670702 8,559 31,353 SH   SOLE NONE 0 0 31,353
BLACKROCK SHORT MATURITY BLACKROCK ST MAT 46431W507 672 13,657 SH   SOLE NONE 0 0 13,657
BRCLYS BK IPATH BLOOM DJUBS CMDT ETN36 06738C778 604 17,365 SH   SOLE NONE 0 0 17,365
BRISTOL-MYERS SQUIBB COM 110122108 1,772 23,019 SH   SOLE NONE 0 0 23,019
CATERPILLAR INC COM 149123101 860 4,816 SH   SOLE NONE 0 0 4,816
CHARLES SCHWAB CORP COM 808513105 603 9,546 SH   SOLE NONE 0 0 9,546
CHARLES SCHWAB US MC US MID-CAP ETF 808524508 11,615 185,158 SH   SOLE NONE 0 0 185,158
CHARLES SCHWAB US REIT US REIT ETF 808524847 2,691 127,629 SH   SOLE NONE 0 0 127,629
CHEVRON CORP COM 166764100 290 2,006 SH   SOLE NONE 0 0 2,006
CIRRUS LOGIC INC COM 172755100 282 3,899 SH   SOLE NONE 0 0 3,899
CISCO SYSTEMS INC COM 17275R102 423 9,922 SH   SOLE NONE 0 0 9,922
COMCAST CORP CL A 20030N101 243 6,197 SH   SOLE NONE 0 0 6,197
CONSTELLATION BRAND CL A 21036P108 507 2,176 SH   SOLE NONE 0 0 2,176
COSTCO WHOLESALE CO COM 22160K105 491 1,025 SH   SOLE NONE 0 0 1,025
CSX CORP COM 126408103 627 21,606 SH   SOLE NONE 0 0 21,606
DEERE & CO COM 244199105 2,024 6,759 SH   SOLE NONE 0 0 6,759
DOMINION ENERGY INC COM 25746U109 265 3,332 SH   SOLE NONE 0 0 3,332
DOW INC COM 260557103 373 7,238 SH   SOLE NONE 0 0 7,238
DUKE ENERGY CORP COM NEW 26441C204 852 7,951 SH   SOLE NONE 0 0 7,951
ENBRIDGE INC F COM 29250N105 257 6,095 SH   SOLE NONE 0 0 6,095
ENTERPRISE PRODS PART LP COM 293792107 593 24,354 SH   SOLE NONE 0 0 24,354
EQT CORP COM 26884L109 358 10,429 SH   SOLE NONE 0 0 10,429
EXXON MOBIL CORP COM 30231G102 2,413 28,178 SH   SOLE NONE 0 0 28,178
GAMCO GLOBAL GOLD NTRL R COM SH BEN INT 36465A109 68 19,039 SH   SOLE NONE 0 0 19,039
GENERAL DYNAMICS CO COM 369550108 319 1,444 SH   SOLE NONE 0 0 1,444
GLOBAL X MLP & ENERGY GLB X MLP ENRG I 37954Y293 1,802 47,289 SH   SOLE NONE 0 0 47,289
GRANITESHARES PLATINUM SHS BEN INT 38748T103 137 15,700 SH   SOLE NONE 0 0 15,700
HERSHEY CO COM 427866108 668 3,105 SH   SOLE NONE 0 0 3,105
HOME DEPOT INC COM 437076102 1,702 6,206 SH   SOLE NONE 0 0 6,206
IBM CORP COM 459200101 277 1,964 SH   SOLE NONE 0 0 1,964
INTEL CORP COM 458140100 1,212 32,409 SH   SOLE NONE 0 0 32,409
INVESCO PREFERRED ETF PFD ETF 46138E511 1,356 109,933 SH   SOLE NONE 0 0 109,933
INVESCO S&P 500 EQUAL S&P500 EQL WGT 46137V357 1,637 12,198 SH   SOLE NONE 0 0 12,198
INVESCO S&P 500 LOW S&P500 LOW VOL 46138E354 841 13,565 SH   SOLE NONE 0 0 13,565
INVESCO SOLAR ETF SOLAR ETF 46138G706 2,656 37,209 SH   SOLE NONE 0 0 37,209
INVSC QQQ TRUST SRS 1 UNIT SER 1 46090E103 3,215 11,472 SH   SOLE NONE 0 0 11,472
INVSC S&P SMALL TECH S&P SMLCP INFO 46138E115 516 4,456 SH   SOLE NONE 0 0 4,456
ISHARES 0-5 YEAR TIPS 0-5 YR TIPS ETF 46429B747 281 2,779 SH   SOLE NONE 0 0 2,779
ISHARES 1-3 YEAR TREASRY 1 3 YR TREAS BD 464287457 2,872 34,693 SH   SOLE NONE 0 0 34,693
ISHARES BIOTECHNOLOGY ISHARES BIOTECH 464287556 1,617 13,747 SH   SOLE NONE 0 0 13,747
ISHARES BRD USD INV GRD USD INV GRDE ETF 464288620 1,210 23,757 SH   SOLE NONE 0 0 23,757
ISHARES BROAD USD HG YLD BROAD USD HIGH 46435U853 239 6,931 SH   SOLE NONE 0 0 6,931
ISHARES CORE 1-5 YEAR CORE 1 5 YR USD 46432F859 684 14,443 SH   SOLE NONE 0 0 14,443
ISHARES CORE DIVIDEND CORE DIV GRWTH 46434V621 1,531 32,146 SH   SOLE NONE 0 0 32,146
ISHARES CORE HIGH CORE HIGH DV ETF 46429B663 2,454 24,437 SH   SOLE NONE 0 0 24,437
ISHARES CORE MSCI CORE MSCI EMKT 46434G103 5,802 118,273 SH   SOLE NONE 0 0 118,273
ISHARES CORE MSCI EAFE CORE MSCI EAFE 46432F842 6,071 103,173 SH   SOLE NONE 0 0 103,173
ISHARES CORE MSCI EUROPE CORE MSCI EURO 46434V738 560 12,460 SH   SOLE NONE 0 0 12,460
ISHARES CORE MSCI INTRL CORE MSCI INTL 46435G326 781 14,547 SH   SOLE NONE 0 0 14,547
ISHARES CORE S&P 500 CORE S&P500 ETF 464287200 8,901 23,478 SH   SOLE NONE 0 0 23,478
ISHARES CORE S&P MID CAP CORE S&P MCP ETF 464287507 1,035 4,576 SH   SOLE NONE 0 0 4,576
ISHARES CORE S&P SMALL CORE S&P SCP ETF 464287804 2,080 22,513 SH   SOLE NONE 0 0 22,513
ISHARES CORE US CORE US AGGBD ET 464287226 4,819 47,402 SH   SOLE NONE 0 0 47,402
ISHARES CORE US REIT CRE U S REIT ETF 464288521 255 4,779 SH   SOLE NONE 0 0 4,779
ISHARES CYBERSECURITY CYBERSECURITY 46435U135 383 10,953 SH   SOLE NONE 0 0 10,953
ISHARES ESG AWARE MSCI ESG AWR MSCI USA 46435G425 275 3,288 SH   SOLE NONE 0 0 3,288
ISHARES EVLVD US INVTV INOVATIV HLTCR 46431W622 672 20,441 SH   SOLE NONE 0 0 20,441
ISHARES EVOLVED US TECHN TECHNOLOGY 46431W648 422 9,997 SH   SOLE NONE 0 0 9,997
ISHARES EXPANDED TECH EXPND TEC SC ETF 464287549 236 802 SH   SOLE NONE 0 0 802
ISHARES EXPONENTIAL EXPONENTIAL TECH 46434V381 522 10,895 SH   SOLE NONE 0 0 10,895
ISHARES FALLEN ANGLS USD FALN ANGLS USD 46435G474 282 11,485 SH   SOLE NONE 0 0 11,485
ISHARES FLOATING RATE FLTG RATE NT ETF 46429B655 555 11,125 SH   SOLE NONE 0 0 11,125
ISHARES GLOBAL GLOB HLTHCRE ETF 464287325 528 6,513 SH   SOLE NONE 0 0 6,513
ISHARES GLOBAL GLB INFRASTR ETF 464288372 447 9,571 SH   SOLE NONE 0 0 9,571
ISHARES GLOBAL GLOB INDSTRL ETF 464288729 617 6,427 SH   SOLE NONE 0 0 6,427
ISHARES GLOBAL CONSUMER GLB CNSM STP ETF 464288737 1,045 18,075 SH   SOLE NONE 0 0 18,075
ISHARES GLOBAL CONSUMER GLB CNS DISC ETF 464288745 278 2,193 SH   SOLE NONE 0 0 2,193
ISHARES GLOBAL TECH ETF GLOBAL TECH ETF 464287291 861 18,852 SH   SOLE NONE 0 0 18,852
ISHARES GOLD ETF ISHARES NEW 464285204 2,362 68,865 SH   SOLE NONE 0 0 68,865
ISHARES HIGH YIELD 0-5YR HI YL CP 46434V407 612 15,100 SH   SOLE NONE 0 0 15,100
ISHARES IBOXX HIGH YIELD IBOXX HI YD ETF 464288513 1,327 18,030 SH   SOLE NONE 0 0 18,030
ISHARES IBOXX INVT GRADE IBOXX INV CP ETF 464287242 1,697 15,425 SH   SOLE NONE 0 0 15,425
ISHARES INTERNTINL CORE INTL AGGR 46435G672 217 4,360 SH   SOLE NONE 0 0 4,360
ISHARES JPMORGAN USD MTS JPMORGAN USD EMG 464288281 1,144 13,418 SH   SOLE NONE 0 0 13,418
ISHARES MSCI EAF MIN VOL MSCI EAFE MIN VL 46429B689 479 7,579 SH   SOLE NONE 0 0 7,579
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 1,245 19,926 SH   SOLE NONE 0 0 19,926
ISHARES MSCI EMERGING MSCI EMG MKT ETF 464287234 760 18,973 SH   SOLE NONE 0 0 18,973
ISHARES MSCI GLOBAL MIN MSCI GBL MIN VOL 464286525 295 3,127 SH   SOLE NONE 0 0 3,127
ISHARES MSCI INDIA INDEX MSCI INDIA ETF 46429B598 301 7,665 SH   SOLE NONE 0 0 7,665
ISHARES MSCI PACIFIC EX MSCI PAC JP ETF 464286665 278 6,685 SH   SOLE NONE 0 0 6,685
ISHARES MSCI USA MSCI USA SMCP MN 46435G433 606 17,792 SH   SOLE NONE 0 0 17,792
ISHARES MSCI USA MIN VOL MSCI USA MIN VOL 46429B697 1,919 27,343 SH   SOLE NONE 0 0 27,343
ISHARES MSCI USA VALUE MSCI USA VALUE 46432F388 523 5,778 SH   SOLE NONE 0 0 5,778
ISHARES NATIONAL MUNI NATIONAL MUN ETF 464288414 8,755 82,322 SH   SOLE NONE 0 0 82,322
ISHARES PREFERRED INCOME PFD AND INCM SEC 464288687 2,656 80,793 SH   SOLE NONE 0 0 80,793
ISHARES RUSSELL 1000 RUS 1000 GRW ETF 464287614 207 949 SH   SOLE NONE 0 0 949
ISHARES RUSSELL 2000 RUS 2000 VAL ETF 464287630 452 3,322 SH   SOLE NONE 0 0 3,322
ISHARES RUSSELL 2000 RUS 2000 GRW ETF 464287648 319 1,550 SH   SOLE NONE 0 0 1,550
ISHARES RUSSELL 2000 RUSSELL 2000 ETF 464287655 1,228 7,252 SH   SOLE NONE 0 0 7,252
ISHARES RUSSELL MID CAP RUS MID CAP ETF 464287499 921 14,248 SH   SOLE NONE 0 0 14,248
ISHARES S&P 500 GROWTH S&P 500 GRWT ETF 464287309 3,947 65,406 SH   SOLE NONE 0 0 65,406
ISHARES S&P 500 VALUE S&P 500 VAL ETF 464287408 1,355 9,859 SH   SOLE NONE 0 0 9,859
ISHARES S&P MID CAP 400 S&P MC 400VL ETF 464287705 211 2,239 SH   SOLE NONE 0 0 2,239
ISHARES S&P SMALL CAP SP SMCP600VL ETF 464287879 944 10,613 SH   SOLE NONE 0 0 10,613
ISHARES S&P SMLL CAP 600 S&P SML 600 GWT 464287887 1,000 9,498 SH   SOLE NONE 0 0 9,498
ISHARES SELECT DIVIDEND SELECT DIVID ETF 464287168 2,097 17,829 SH   SOLE NONE 0 0 17,829
ISHARES SEMICONDUCTOR ISHARES SEMICDTR 464287523 304 870 SH   SOLE NONE 0 0 870
ISHARES SHORT TREASURY SHORT TREAS BD 464288679 280 2,549 SH   SOLE NONE 0 0 2,549
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 3,325 29,193 SH   SOLE NONE 0 0 29,193
ISHARES TOTAL US STOCK CORE S&P TTL STK 464287150 7,625 91,020 SH   SOLE NONE 0 0 91,020
ISHARES TOTAL USD BOND CORE TOTAL USD 46434V613 4,676 99,884 SH   SOLE NONE 0 0 99,884
ISHARES TR IS 1-5 YR IN ISHS 1-5YR INVS 464288646 4,565 90,320 SH   SOLE NONE 0 0 90,320
ISHARES TRT IS 5-10 INV ISHS 5-10YR INVT 464288638 2,827 55,382 SH   SOLE NONE 0 0 55,382
ISHARES U S CONSUMER US CONSUM DISCRE 464287580 296 5,217 SH   SOLE NONE 0 0 5,217
ISHARES U S CONSUMER US CONSM STAPLES 464287812 479 2,457 SH   SOLE NONE 0 0 2,457
ISHARES U.S. FIXED U.S. FIXED INCME 46435U796 736 8,572 SH   SOLE NONE 0 0 8,572
ISHARES US AEROSPACE US AER DEF ETF 464288760 733 7,394 SH   SOLE NONE 0 0 7,394
ISHARES US BASIC U.S. BAS MTL ETF 464287838 670 5,699 SH   SOLE NONE 0 0 5,699
ISHARES US HEALTHCARE US HLTHCARE ETF 464287762 805 2,995 SH   SOLE NONE 0 0 2,995
ISHARES US INDUSTRIALS US INDUSTRIALS 464287754 258 2,938 SH   SOLE NONE 0 0 2,938
ISHARES US TECHNOLOGY U.S. TECH ETF 464287721 823 10,306 SH   SOLE NONE 0 0 10,306
ISHARES US UTILITIES U.S. UTILITS ETF 464287697 207 2,420 SH   SOLE NONE 0 0 2,420
ISHS MSCI EMERG MRKT MIN MSCI EMERG MRKT 464286533 546 9,868 SH   SOLE NONE 0 0 9,868
JABIL INC COM 466313103 667 13,036 SH   SOLE NONE 0 0 13,036
JOHNSON & JOHNSON COM 478160104 3,686 20,770 SH   SOLE NONE 0 0 20,770
JPMORGAN CHASE & CO COM 46625H100 1,239 11,005 SH   SOLE NONE 0 0 11,005
JPMORGAN ULTRA SHORT ULTRA SHRT INC 46641Q837 2,256 45,043 SH   SOLE NONE 0 0 45,043
LILLY ELI & CO COM 532457108 835 2,576 SH   SOLE NONE 0 0 2,576
LIVE OAK BANCSHARES INCO COM 53803X105 568 16,779 SH   SOLE NONE 0 0 16,779
LOWES COMPANIES INC COM 548661107 301 1,728 SH   SOLE NONE 0 0 1,728
MARKEL CORP COM 570535104 256 198 SH   SOLE NONE 0 0 198
MCDONALDS CORP COM 580135101 441 1,789 SH   SOLE NONE 0 0 1,789
MEDTRONIC PLC F SHS G5960L103 608 6,777 SH   SOLE NONE 0 0 6,777
MERCK & CO. INC. COM 58933Y105 1,908 20,928 SH   SOLE NONE 0 0 20,928
MICROSOFT CORP COM 594918104 4,502 17,529 SH   SOLE NONE 0 0 17,529
MOLSON COORS BEVERAGE CL CL B 60871R209 1,189 21,823 SH   SOLE NONE 0 0 21,823
MONDELEZ INTL CL A 609207105 257 4,149 SH   SOLE NONE 0 0 4,149
MOODYS CORP COM 615369105 514 1,890 SH   SOLE NONE 0 0 1,890
NOVARTIS AG F SPONSORED ADR 66987V109 352 4,167 SH   SOLE NONE 0 0 4,167
NUVEEN MUNICIPAL VALUE C COM 670928100 89 10,000 SH   SOLE NONE 0 0 10,000
NVIDIA CORP COM 67066G104 2,836 18,709 SH   SOLE NONE 0 0 18,709
NXP SEMICONDUCTORS F COM N6596X109 808 5,460 SH   SOLE NONE 0 0 5,460
PALANTIR TECHNOLOGIES IN CL A 69608A108 147 16,313 SH   SOLE NONE 0 0 16,313
PAYPAL HOLDINGS INCORPOR COM 70450Y103 322 4,623 SH   SOLE NONE 0 0 4,623
PEPSICO INC COM 713448108 902 5,415 SH   SOLE NONE 0 0 5,415
PFIZER INC COM 717081103 1,861 35,511 SH   SOLE NONE 0 0 35,511
PHILIP MORRIS INTL COM 718172109 790 8,008 SH   SOLE NONE 0 0 8,008
PINNACLE FINL PARTNR COM 72346Q104 1,670 23,096 SH   SOLE NONE 0 0 23,096
PROCTER & GAMBLE COM 742718109 1,334 9,282 SH   SOLE NONE 0 0 9,282
PROSHARES LONG ONLN SHRT LONG ONLINE SHRT 74347B375 421 11,748 SH   SOLE NONE 0 0 11,748
RAYTHEON TECHNOLOGIES CO COM 75513E101 1,357 14,124 SH   SOLE NONE 0 0 14,124
ROYAL BANK OF CANADA F COM 780087102 277 2,869 SH   SOLE NONE 0 0 2,869
SCHWAB EMERGING MARKETS EMRG MKTEQ ETF 808524706 6,533 257,408 SH   SOLE NONE 0 0 257,408
SCHWAB INTERMEDIATE TERM INT-TRM U.S TRES 808524854 1,323 25,647 SH   SOLE NONE 0 0 25,647
SCHWAB INTERNATIONAL INTL EQTY ETF 808524805 14,940 475,063 SH   SOLE NONE 0 0 475,063
SCHWAB INTERNATNAL SMALL INTL SCEQT ETF 808524888 3,914 125,354 SH   SOLE NONE 0 0 125,354
SCHWAB SHORT TERM US SHT TM US TRES 808524862 864 17,581 SH   SOLE NONE 0 0 17,581
SCHWAB US AGGREGATE BOND US AGGREGATE B 808524839 10,984 229,473 SH   SOLE NONE 0 0 229,473
SCHWAB US BROAD MARKET US BRD MKT ETF 808524102 25,356 573,800 SH   SOLE NONE 0 0 573,800
SCHWAB US DIVIDEND US DIVIDEND EQ 808524797 7,682 107,250 SH   SOLE NONE 0 0 107,250
SCHWAB US LARGE CAP US LCAP GR ETF 808524300 332 5,728 SH   SOLE NONE 0 0 5,728
SCHWAB US LARGE CAP US LCAP VA ETF 808524409 350 5,620 SH   SOLE NONE 0 0 5,620
SCHWAB US LARGE CAP ETF US LRG CAP ETF 808524201 5,794 129,755 SH   SOLE NONE 0 0 129,755
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 9,408 241,295 SH   SOLE NONE 0 0 241,295
SCHWAB US TIPS ETF US TIPS ETF 808524870 1,790 32,092 SH   SOLE NONE 0 0 32,092
SELECT SECTOR HEALTH SBI HEALTHCARE 81369Y209 261 2,043 SH   SOLE NONE 0 0 2,043
SELECT SECTOR UTI SELECT SBI INT-UTILS 81369Y886 270 3,863 SH   SOLE NONE 0 0 3,863
SKYWORKS SOLUTIONS COM 83088M102 779 8,415 SH   SOLE NONE 0 0 8,415
SMARTETFS DIVIDEND SMARTETFS DIVID 402031835 449 19,357 SH   SOLE NONE 0 0 19,357
SMARTFINL INC 0050 COM NEW 83190L208 844 34,938 SH   SOLE NONE 0 0 34,938
SMITH & WESSON BRANDS IN COM 831754106 322 24,538 SH   SOLE NONE 0 0 24,538
SOUTHERN CO COM 842587107 375 5,264 SH   SOLE NONE 0 0 5,264
SPDR BLACKSTONE SENIOR BLACKSTONE SENR 78467V608 620 14,900 SH   SOLE NONE 0 0 14,900
SPDR GOLD SHARES ETF GOLD SHS 78463V107 397 2,362 SH   SOLE NONE 0 0 2,362
SPDR S&P 500 ETF TR UNIT 78462F103 5,528 14,655 SH   SOLE NONE 0 0 14,655
SPDR S&P BIOTECH ETF S&P BIOTECH 78464A870 523 7,046 SH   SOLE NONE 0 0 7,046
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 1,141 9,615 SH   SOLE NONE 0 0 9,615
SPDR S&P GLOBAL NATURAL GLB NAT RESRCE 78463X541 331 6,360 SH   SOLE NONE 0 0 6,360
SPDR SHORT TERM PORTFOLIO SHORT 78464A474 3,864 129,974 SH   SOLE NONE 0 0 129,974
STRYKER CORP COM 863667101 515 2,593 SH   SOLE NONE 0 0 2,593
STURM RUGER & CO INC COM 864159108 502 7,901 SH   SOLE NONE 0 0 7,901
TESLA INC COM 88160R101 4,066 6,039 SH   SOLE NONE 0 0 6,039
TEXAS INSTRUMENTS COM 882508104 230 1,499 SH   SOLE NONE 0 0 1,499
THE COCA-COLA CO COM 191216100 752 11,964 SH   SOLE NONE 0 0 11,964
THE NECESSITY RETAIL REI COM CLASS A 02607T109 115 15,856 SH   SOLE NONE 0 0 15,856
TRACTOR SUPPLY COMP COM 892356106 205 1,062 SH   SOLE NONE 0 0 1,062
TRUIST FINL CORP COM 89832Q109 253 5,338 SH   SOLE NONE 0 0 5,338
U.S. GLOBAL JETS ETF US GLB JETS 26922A842 314 19,085 SH   SOLE NONE 0 0 19,085
UNITED COMMUNITY BKS COM 90984P303 539 17,858 SH   SOLE NONE 0 0 17,858
UNITED PARCEL SRVC CL B 911312106 1,901 10,418 SH   SOLE NONE 0 0 10,418
VANECK GOLD MINERS ETF GOLD MINERS ETF 92189F106 613 22,419 SH   SOLE NONE 0 0 22,419
VANGUARD CONSUMER CONSUM STP ETF 92204A207 17,541 94,645 SH   SOLE NONE 0 0 94,645
VANGUARD DIVIDEND DIV APP ETF 921908844 12,290 85,665 SH   SOLE NONE 0 0 85,665
VANGUARD EMERGING MARKT EM MK GOV BD ETF 921946885 4,267 69,608 SH   SOLE NONE 0 0 69,608
VANGUARD ENERGY ETF ENERGY ETF 92204A306 1,147 11,532 SH   SOLE NONE 0 0 11,532
VANGUARD FTSE ALL WORLD ALLWRLD EX US 922042775 34,600 692,555 SH   SOLE NONE 0 0 692,555
VANGUARD FTSE DEVELOPED VAN FTSE DEV MKT 921943858 39,694 972,902 SH   SOLE NONE 0 0 972,902
VANGUARD FTSE EMERGING FTSE EMR MKT ETF 922042858 32,652 783,972 SH   SOLE NONE 0 0 783,972
VANGUARD FTSE EUROPE FTSE EUROPE ETF 922042874 266 5,050 SH   SOLE NONE 0 0 5,050
VANGUARD FTSE PACIFIC FTSE PACIFIC ETF 922042866 850 13,396 SH   SOLE NONE 0 0 13,396
VANGUARD GLBAL EX US GLB EX US ETF 922042676 218 4,932 SH   SOLE NONE 0 0 4,932
VANGUARD GROWTH ETF GROWTH ETF 922908736 813 3,650 SH   SOLE NONE 0 0 3,650
VANGUARD HEALTH CARE HEALTH CAR ETF 92204A504 1,136 4,826 SH   SOLE NONE 0 0 4,826
VANGUARD HIGH DIVIDEND HIGH DIV YLD 921946406 11,452 112,612 SH   SOLE NONE 0 0 112,612
VANGUARD INFORMATION INF TECH ETF 92204A702 2,112 6,469 SH   SOLE NONE 0 0 6,469
VANGUARD INTERMEDIATE INTERMED TERM 921937819 1,373 17,693 SH   SOLE NONE 0 0 17,693
VANGUARD INTERMEDIATE INT-TERM CORP 92206C870 47,800 597,352 SH   SOLE NONE 0 0 597,352
VANGUARD INTERNATNL HGH INTL HIGH ETF 921946794 210 3,584 SH   SOLE NONE 0 0 3,584
VANGUARD LARGE CAP ETF LARGE CAP ETF 922908637 4,382 25,427 SH   SOLE NONE 0 0 25,427
VANGUARD MID CAP ETF MID CAP ETF 922908629 15,660 79,508 SH   SOLE NONE 0 0 79,508
VANGUARD MID CAP GROWTH MCAP GR IDXVIP 922908538 2,433 13,875 SH   SOLE NONE 0 0 13,875
VANGUARD MID CAP VALUE MCAP VL IDXVIP 922908512 1,238 9,564 SH   SOLE NONE 0 0 9,564
VANGUARD MUNI BND TAX TAX EXEMPT BD 922907746 214 4,300 SH   SOLE NONE 0 0 4,300
VANGUARD REAL ESTATE REAL ESTATE ETF 922908553 17,239 189,219 SH   SOLE NONE 0 0 189,219
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 2,391 6,895 SH   SOLE NONE 0 0 6,895
VANGUARD S&P SMALL CAP SMLLCP 600 IDX 921932828 22,858 134,440 SH   SOLE NONE 0 0 134,440
VANGUARD SHORT INFLATION STRM INFPROIDX 922020805 768 15,340 SH   SOLE NONE 0 0 15,340
VANGUARD SHORT TERM SHORT TERM TREAS 92206C102 8,670 147,310 SH   SOLE NONE 0 0 147,310
VANGUARD SHORT TERM COR SHRT TRM CORP BD 92206C409 36,962 484,693 SH   SOLE NONE 0 0 484,693
VANGUARD SHORT-TERM BOND SHORT TRM BOND 921937827 8,951 116,569 SH   SOLE NONE 0 0 116,569
VANGUARD SMALL CAP ETF SMALL CP ETF 922908751 22,979 130,483 SH   SOLE NONE 0 0 130,483
VANGUARD SMALL CAP VALUE SM CP VAL ETF 922908611 2,065 13,784 SH   SOLE NONE 0 0 13,784
VANGUARD TOTAL VG TL INTL STK F 921909768 1,331 25,791 SH   SOLE NONE 0 0 25,791
VANGUARD TOTAL TOTAL INT BD ETF 92203J407 9,749 196,797 SH   SOLE NONE 0 0 196,797
VANGUARD TOTAL BOND TOTAL BND MRKT 921937835 78,839 1,047,558 SH   SOLE NONE 0 0 1,047,558
VANGUARD TOTAL STOCK TOTAL STK MKT 922908769 210,457 1,115,775 SH   SOLE NONE 0 0 1,115,775
VANGUARD TOTAL WORLD TT WRLD ST ETF 922042742 1,043 12,232 SH   SOLE NONE 0 0 12,232
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 19,447 127,648 SH   SOLE NONE 0 0 127,648
VANGUARD VALUE ETF VALUE ETF 922908744 1,478 11,208 SH   SOLE NONE 0 0 11,208
VERIZON COMMUNICATN COM 92343V104 2,354 46,398 SH   SOLE NONE 0 0 46,398
VGRD FTSE ALL WRLD EX US FTSE SMCAP ETF 922042718 3,065 29,705 SH   SOLE NONE 0 0 29,705
VISA INC COM CL A 92826C839 443 2,251 SH   SOLE NONE 0 0 2,251
WALMART INC COM 931142103 873 7,181 SH   SOLE NONE 0 0 7,181
WALT DISNEY CO COM 254687106 358 3,793 SH   SOLE NONE 0 0 3,793
WESTROCK CO COM 96145D105 272 6,836 SH   SOLE NONE 0 0 6,836
WHEELS UP EXPERIENCE I F COM CL A 96328L106 102 52,741 SH   SOLE NONE 0 0 52,741
YAMANA GOLD INC F COM 98462Y100 125 26,891 SH   SOLE NONE 0 0 26,891