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 316 2,866 SH   SOLE NONE 0 0 2,866
A T & T INC COM 00206R102 303 19,804 SH   SOLE NONE 0 0 19,804
ABBOTT LABORATORIES COM 002824100 303 3,140 SH   SOLE NONE 0 0 3,140
ABBVIE INC COM 00287Y109 732 5,457 SH   SOLE NONE 0 0 5,457
ADOBE INC COM 00724F101 402 1,464 SH   SOLE NONE 0 0 1,464
ALBEMARLE CORP COM 012653101 2,390 9,040 SH   SOLE NONE 0 0 9,040
ALPHABET INC. CL A CAP STK CL A 02079K305 325 3,400 SH   SOLE NONE 0 0 3,400
ALTRIA GROUP INC COM 02209S103 404 10,012 SH   SOLE NONE 0 0 10,012
AMAZON.COM INC COM 023135106 2,718 24,060 SH   SOLE NONE 0 0 24,060
AMGEN INC. COM 031162100 1,991 8,836 SH   SOLE NONE 0 0 8,836
ANALOG DEVICES INC COM 032654105 957 6,873 SH   SOLE NONE 0 0 6,873
APPLE INC COM 037833100 8,889 64,322 SH   SOLE NONE 0 0 64,322
ASTRAZENECA PLC F SPONSORED ADR 046353108 502 9,168 SH   SOLE NONE 0 0 9,168
BANK OF AMERICA CORP COM 060505104 269 8,909 SH   SOLE NONE 0 0 8,909
BERKSHIRE HATHAWAY CL B NEW 084670702 8,023 30,048 SH   SOLE NONE 0 0 30,048
BLACKROCK SHORT MATURITY BLACKROCK ST MAT 46431W507 674 13,684 SH   SOLE NONE 0 0 13,684
BRCLYS BK IPATH BLOOM DJUBS CMDT ETN36 06738C778 571 17,365 SH   SOLE NONE 0 0 17,365
BRISTOL-MYERS SQUIBB COM 110122108 1,481 20,832 SH   SOLE NONE 0 0 20,832
CATERPILLAR INC COM 149123101 709 4,325 SH   SOLE NONE 0 0 4,325
CHARLES SCHWAB CORP COM 808513105 658 9,157 SH   SOLE NONE 0 0 9,157
CHARLES SCHWAB US MC US MID-CAP ETF 808524508 11,524 190,387 SH   SOLE NONE 0 0 190,387
CHARLES SCHWAB US REIT US REIT ETF 808524847 2,171 116,204 SH   SOLE NONE 0 0 116,204
CHEVRON CORP COM 166764100 288 2,006 SH   SOLE NONE 0 0 2,006
CIRRUS LOGIC INC COM 172755100 251 3,649 SH   SOLE NONE 0 0 3,649
CISCO SYSTEMS INC COM 17275R102 398 9,967 SH   SOLE NONE 0 0 9,967
CONSTELLATION BRAND CL A 21036P108 454 1,979 SH   SOLE NONE 0 0 1,979
COSTCO WHOLESALE CO COM 22160K105 478 1,012 SH   SOLE NONE 0 0 1,012
CSX CORP COM 126408103 575 21,606 SH   SOLE NONE 0 0 21,606
CVS HEALTH CORP COM 126650100 200 2,101 SH   SOLE NONE 0 0 2,101
DEERE & CO COM 244199105 2,053 6,149 SH   SOLE NONE 0 0 6,149
DOMINION ENERGY INC COM 25746U109 218 3,156 SH   SOLE NONE 0 0 3,156
DOW INC COM 260557103 317 7,238 SH   SOLE NONE 0 0 7,238
DUKE ENERGY CORP COM NEW 26441C204 717 7,717 SH   SOLE NONE 0 0 7,717
ENBRIDGE INC F COM 29250N105 226 6,095 SH   SOLE NONE 0 0 6,095
ENTERPRISE PRODS PART LP COM 293792107 584 24,578 SH   SOLE NONE 0 0 24,578
EQT CORP COM 26884L109 351 8,629 SH   SOLE NONE 0 0 8,629
EXXON MOBIL CORP COM 30231G102 2,209 25,303 SH   SOLE NONE 0 0 25,303
FORD MOTOR CO COM 345370860 133 11,901 SH   SOLE NONE 0 0 11,901
GAMCO GLOBAL GOLD NTRL R COM SH BEN INT 36465A109 45 13,805 SH   SOLE NONE 0 0 13,805
GENERAL DYNAMICS CO COM 369550108 275 1,299 SH   SOLE NONE 0 0 1,299
GLOBAL X MLP & ENERGY GLB X MLP ENRG I 37954Y293 1,806 48,202 SH   SOLE NONE 0 0 48,202
GRANITESHARES PLATINUM SHS BEN INT 38748T103 111 13,250 SH   SOLE NONE 0 0 13,250
HERSHEY CO COM 427866108 664 3,015 SH   SOLE NONE 0 0 3,015
HOME DEPOT INC COM 437076102 1,710 6,200 SH   SOLE NONE 0 0 6,200
IBM CORP COM 459200101 232 1,959 SH   SOLE NONE 0 0 1,959
INTEL CORP COM 458140100 762 29,601 SH   SOLE NONE 0 0 29,601
INVESCO PREFERRED ETF PFD ETF 46138E511 1,127 94,889 SH   SOLE NONE 0 0 94,889
INVESCO S&P 500 EQUAL S&P500 EQL WGT 46137V357 1,552 12,198 SH   SOLE NONE 0 0 12,198
INVESCO S&P 500 LOW S&P500 LOW VOL 46138E354 786 13,599 SH   SOLE NONE 0 0 13,599
INVESCO SOLAR ETF SOLAR ETF 46138G706 2,738 37,209 SH   SOLE NONE 0 0 37,209
INVSC QQQ TRUST SRS 1 UNIT SER 1 46090E103 2,804 10,494 SH   SOLE NONE 0 0 10,494
INVSC S&P SMALL TECH S&P SMLCP INFO 46138E115 494 4,456 SH   SOLE NONE 0 0 4,456
ISHARES 0-5 YEAR TIPS 0-5 YR TIPS ETF 46429B747 997 10,383 SH   SOLE NONE 0 0 10,383
ISHARES 1-3 YEAR TREASRY 1 3 YR TREAS BD 464287457 3,858 47,512 SH   SOLE NONE 0 0 47,512
ISHARES BIOTECHNOLOGY ISHARES BIOTECH 464287556 1,605 13,725 SH   SOLE NONE 0 0 13,725
ISHARES BRD USD INV GRD USD INV GRDE ETF 464288620 1,131 23,557 SH   SOLE NONE 0 0 23,557
ISHARES BROAD USD HG YLD BROAD USD HIGH 46435U853 232 6,921 SH   SOLE NONE 0 0 6,921
ISHARES CORE 1-5 YEAR CORE 1 5 YR USD 46432F859 682 14,813 SH   SOLE NONE 0 0 14,813
ISHARES CORE DIVIDEND CORE DIV GRWTH 46434V621 1,430 32,173 SH   SOLE NONE 0 0 32,173
ISHARES CORE HIGH CORE HIGH DV ETF 46429B663 2,230 24,437 SH   SOLE NONE 0 0 24,437
ISHARES CORE MSCI CORE MSCI EMKT 46434G103 6,498 151,206 SH   SOLE NONE 0 0 151,206
ISHARES CORE MSCI EAFE CORE MSCI EAFE 46432F842 4,846 92,018 SH   SOLE NONE 0 0 92,018
ISHARES CORE MSCI EUROPE CORE MSCI EURO 46434V738 492 12,460 SH   SOLE NONE 0 0 12,460
ISHARES CORE MSCI INTRL CORE MSCI INTL 46435G326 2,906 60,153 SH   SOLE NONE 0 0 60,153
ISHARES CORE S&P 500 CORE S&P500 ETF 464287200 8,384 23,378 SH   SOLE NONE 0 0 23,378
ISHARES CORE S&P MID-CAP CORE S&P MCP ETF 464287507 1,003 4,576 SH   SOLE NONE 0 0 4,576
ISHARES CORE S&P SMALL CORE S&P SCP ETF 464287804 3,097 35,523 SH   SOLE NONE 0 0 35,523
ISHARES CORE US CORE US AGGBD ET 464287226 6,802 70,610 SH   SOLE NONE 0 0 70,610
ISHARES CORE US REIT CRE U S REIT ETF 464288521 212 4,483 SH   SOLE NONE 0 0 4,483
ISHARES CYBERSECURITY CYBERSECURITY 46435U135 314 9,249 SH   SOLE NONE 0 0 9,249
ISHARES ESG AWARE MSCI ESG AWR MSCI USA 46435G425 259 3,270 SH   SOLE NONE 0 0 3,270
ISHARES EVOLVED US TECHN TECHNOLOGY 46431W648 395 9,997 SH   SOLE NONE 0 0 9,997
ISHARES EXPONENTIAL EXPONENTIAL TECH 46434V381 485 10,895 SH   SOLE NONE 0 0 10,895
ISHARES FALLEN ANGLS USD FALN ANGLS USD 46435G474 274 11,485 SH   SOLE NONE 0 0 11,485
ISHARES FLOATING RATE FLTG RATE NT ETF 46429B655 549 10,925 SH   SOLE NONE 0 0 10,925
ISHARES GLOBAL GLOB HLTHCRE ETF 464287325 490 6,513 SH   SOLE NONE 0 0 6,513
ISHARES GLOBAL GLB INFRASTR ETF 464288372 400 9,571 SH   SOLE NONE 0 0 9,571
ISHARES GLOBAL GLOB INDSTRL ETF 464288729 578 6,427 SH   SOLE NONE 0 0 6,427
ISHARES GLOBAL CONSUMER GLB CNSM STP ETF 464288737 969 18,095 SH   SOLE NONE 0 0 18,095
ISHARES GLOBAL CONSUMER GLB CNS DISC ETF 464288745 267 2,193 SH   SOLE NONE 0 0 2,193
ISHARES GLOBAL TECH ETF GLOBAL TECH ETF 464287291 795 18,852 SH   SOLE NONE 0 0 18,852
ISHARES GOLD ETF ISHARES NEW 464285204 2,165 68,688 SH   SOLE NONE 0 0 68,688
ISHARES HIGH YIELD 0-5YR HI YL CP 46434V407 603 15,100 SH   SOLE NONE 0 0 15,100
ISHARES IBONDS DEC 2023 IBONDS DEC23 ETF 46434VAX8 321 12,888 SH   SOLE NONE 0 0 12,888
ISHARES IBONDS DEC 2024 IBONDS DEC24 ETF 46434VBG4 454 18,660 SH   SOLE NONE 0 0 18,660
ISHARES IBOXX HIGH YIELD IBOXX HI YD ETF 464288513 1,274 17,849 SH   SOLE NONE 0 0 17,849
ISHARES IBOXX INVT GRADE IBOXX INV CP ETF 464287242 1,433 13,996 SH   SOLE NONE 0 0 13,996
ISHARES INTERNTINL CORE INTL AGGR 46435G672 805 16,671 SH   SOLE NONE 0 0 16,671
ISHARES JPMORGAN USD MTS JPMORGAN USD EMG 464288281 1,163 14,652 SH   SOLE NONE 0 0 14,652
ISHARES MSCI EAF MIN VOL MSCI EAFE MIN VL 46429B689 498 8,742 SH   SOLE NONE 0 0 8,742
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 1,039 18,551 SH   SOLE NONE 0 0 18,551
ISHARES MSCI EMERGING MSCI EMG MKT ETF 464287234 653 18,748 SH   SOLE NONE 0 0 18,748
ISHARES MSCI GLOBAL MIN MSCI GBL MIN VOL 464286525 276 3,127 SH   SOLE NONE 0 0 3,127
ISHARES MSCI INDIA INDEX MSCI INDIA ETF 46429B598 312 7,665 SH   SOLE NONE 0 0 7,665
ISHARES MSCI PACIFIC EX MSCI PAC JP ETF 464286665 250 6,685 SH   SOLE NONE 0 0 6,685
ISHARES MSCI USA MSCI USA SMCP MN 46435G433 590 18,502 SH   SOLE NONE 0 0 18,502
ISHARES MSCI USA MIN VOL MSCI USA MIN VOL 46429B697 1,859 28,133 SH   SOLE NONE 0 0 28,133
ISHARES MSCI USA VALUE MSCI USA VALUE 46432F388 472 5,778 SH   SOLE NONE 0 0 5,778
ISHARES NATIONAL MUNI NATIONAL MUN ETF 464288414 8,537 83,227 SH   SOLE NONE 0 0 83,227
ISHARES PREFERRED INCOME PFD AND INCM SEC 464288687 2,562 80,908 SH   SOLE NONE 0 0 80,908
ISHARES RUSSELL 2000 RUS 2000 VAL ETF 464287630 428 3,322 SH   SOLE NONE 0 0 3,322
ISHARES RUSSELL 2000 RUS 2000 GRW ETF 464287648 320 1,550 SH   SOLE NONE 0 0 1,550
ISHARES RUSSELL 2000 RUSSELL 2000 ETF 464287655 1,195 7,252 SH   SOLE NONE 0 0 7,252
ISHARES RUSSELL MID CAP RUS MID CAP ETF 464287499 881 14,190 SH   SOLE NONE 0 0 14,190
ISHARES S&P 500 GROWTH S&P 500 GRWT ETF 464287309 3,736 64,597 SH   SOLE NONE 0 0 64,597
ISHARES S&P 500 VALUE S&P 500 VAL ETF 464287408 1,267 9,859 SH   SOLE NONE 0 0 9,859
ISHARES S&P MID CAP 400 S&P MC 400VL ETF 464287705 201 2,239 SH   SOLE NONE 0 0 2,239
ISHARES S&P SMALL CAP SP SMCP600VL ETF 464287879 868 10,533 SH   SOLE NONE 0 0 10,533
ISHARES S&P SMLL CAP 600 S&P SML 600 GWT 464287887 956 9,410 SH   SOLE NONE 0 0 9,410
ISHARES SELECT DIVIDEND SELECT DIVID ETF 464287168 1,911 17,829 SH   SOLE NONE 0 0 17,829
ISHARES SEMICONDUCTOR ISHARES SEMICDTR 464287523 277 870 SH   SOLE NONE 0 0 870
ISHARES SHORT TREASURY SHORT TREAS BD 464288679 252 2,295 SH   SOLE NONE 0 0 2,295
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 2,775 26,456 SH   SOLE NONE 0 0 26,456
ISHARES TOTAL US STOCK CORE S&P TTL STK 464287150 2,772 34,851 SH   SOLE NONE 0 0 34,851
ISHARES TOTAL USD BOND CORE TOTAL USD 46434V613 5,015 112,699 SH   SOLE NONE 0 0 112,699
ISHARES TR IS 1-5 YR IN ISHS 1-5YR INVS 464288646 6,405 129,973 SH   SOLE NONE 0 0 129,973
ISHARES TRT IS 5-10 INV ISHS 5-10YR INVT 464288638 3,709 76,829 SH   SOLE NONE 0 0 76,829
ISHARES U S CONSUMER US CONSUM DISCRE 464287580 303 5,217 SH   SOLE NONE 0 0 5,217
ISHARES U S CONSUMER US CONSM STAPLES 464287812 1,076 5,986 SH   SOLE NONE 0 0 5,986
ISHARES U.S. FIXED U.S. FIXED INCME 46435U796 681 8,318 SH   SOLE NONE 0 0 8,318
ISHARES US AEROSPACE US AER DEF ETF 464288760 646 7,094 SH   SOLE NONE 0 0 7,094
ISHARES US BASIC U.S. BAS MTL ETF 464287838 550 5,087 SH   SOLE NONE 0 0 5,087
ISHARES US HEALTHCARE US HLTHCARE ETF 464287762 1,419 5,609 SH   SOLE NONE 0 0 5,609
ISHARES US INDUSTRIALS US INDUSTRIALS 464287754 246 2,938 SH   SOLE NONE 0 0 2,938
ISHARES US TECHNOLOGY U.S. TECH ETF 464287721 756 10,306 SH   SOLE NONE 0 0 10,306
ISHARS IBND MAR 2023 TRM IBONDS MAR23 ETF 46432FAZ0 251 9,500 SH   SOLE NONE 0 0 9,500
ISHR IBND DEC 2025 TRM IBONDS DEC25 ETF 46434VBD1 406 16,850 SH   SOLE NONE 0 0 16,850
ISHS MSCI EMERG MRKT MIN MSCI EMERG MRKT 464286533 501 9,886 SH   SOLE NONE 0 0 9,886
JABIL INC COM 466313103 650 11,276 SH   SOLE NONE 0 0 11,276
JOHNSON & JOHNSON COM 478160104 3,296 20,181 SH   SOLE NONE 0 0 20,181
JPMORGAN CHASE & CO COM 46625H100 1,155 11,053 SH   SOLE NONE 0 0 11,053
JPMORGAN ULTRA SHORT ULTRA SHRT INC 46641Q837 1,044 20,830 SH   SOLE NONE 0 0 20,830
LILLY ELI & CO COM 532457108 783 2,421 SH   SOLE NONE 0 0 2,421
LIVE OAK BANCSHARES INCO COM 53803X105 583 19,068 SH   SOLE NONE 0 0 19,068
LOWES COMPANIES INC COM 548661107 324 1,730 SH   SOLE NONE 0 0 1,730
MARKEL CORP COM 570535104 214 198 SH   SOLE NONE 0 0 198
MCDONALDS CORP COM 580135101 401 1,741 SH   SOLE NONE 0 0 1,741
MEDTRONIC PLC F SHS G5960L103 478 5,925 SH   SOLE NONE 0 0 5,925
MERCK & CO. INC. COM 58933Y105 1,675 19,450 SH   SOLE NONE 0 0 19,450
MICROSOFT CORP COM 594918104 3,883 16,675 SH   SOLE NONE 0 0 16,675
MOLSON COORS BEVERAGE CL CL B 60871R209 932 19,436 SH   SOLE NONE 0 0 19,436
MONDELEZ INTL CL A 609207105 228 4,162 SH   SOLE NONE 0 0 4,162
MOODYS CORP COM 615369105 459 1,890 SH   SOLE NONE 0 0 1,890
NOVARTIS AG F SPONSORED ADR 66987V109 276 3,632 SH   SOLE NONE 0 0 3,632
NUVEEN MUNICIPAL VALUE C COM 670928100 84 10,000 SH   SOLE NONE 0 0 10,000
NVIDIA CORP COM 67066G104 1,770 14,587 SH   SOLE NONE 0 0 14,587
NXP SEMICONDUCTORS F COM N6596X109 682 4,625 SH   SOLE NONE 0 0 4,625
PALANTIR TECHNOLOGIES IN CL A 69608A108 140 17,258 SH   SOLE NONE 0 0 17,258
PAYPAL HOLDINGS INCORPOR COM 70450Y103 356 4,146 SH   SOLE NONE 0 0 4,146
PEPSICO INC COM 713448108 884 5,415 SH   SOLE NONE 0 0 5,415
PFIZER INC COM 717081103 1,468 33,566 SH   SOLE NONE 0 0 33,566
PHILIP MORRIS INTL COM 718172109 669 8,062 SH   SOLE NONE 0 0 8,062
PINNACLE FINL PARTNR COM 72346Q104 1,873 23,096 SH   SOLE NONE 0 0 23,096
POLARIS INDUSTRIES COM 731068102 397 4,155 SH   SOLE NONE 0 0 4,155
PROCTER & GAMBLE COM 742718109 1,166 9,243 SH   SOLE NONE 0 0 9,243
PROSHARES LONG ONLN SHRT LONG ONLINE SHRT 74347B375 336 10,254 SH   SOLE NONE 0 0 10,254
RAYTHEON TECHNOLOGIES CO COM 75513E101 1,028 12,561 SH   SOLE NONE 0 0 12,561
ROYAL BANK OF CANADA F COM 780087102 258 2,869 SH   SOLE NONE 0 0 2,869
SCHWAB EMERGING MARKETS EMRG MKTEQ ETF 808524706 5,499 245,498 SH   SOLE NONE 0 0 245,498
SCHWAB INTERMEDIATE TERM INT-TRM U.S TRES 808524854 1,119 22,776 SH   SOLE NONE 0 0 22,776
SCHWAB INTERNATIONAL INTL EQTY ETF 808524805 13,076 464,848 SH   SOLE NONE 0 0 464,848
SCHWAB INTERNATNAL SMALL INTL SCEQT ETF 808524888 3,820 137,682 SH   SOLE NONE 0 0 137,682
SCHWAB SHORT TERM US SHT TM US TRES 808524862 802 16,638 SH   SOLE NONE 0 0 16,638
SCHWAB US AGGREGATE BOND US AGGREGATE B 808524839 10,525 232,300 SH   SOLE NONE 0 0 232,300
SCHWAB US BROAD MARKET US BRD MKT ETF 808524102 24,993 595,234 SH   SOLE NONE 0 0 595,234
SCHWAB US DIVIDEND US DIVIDEND EQ 808524797 7,292 109,778 SH   SOLE NONE 0 0 109,778
SCHWAB US LARGE CAP US LCAP GR ETF 808524300 325 5,832 SH   SOLE NONE 0 0 5,832
SCHWAB US LARGE CAP US LCAP VA ETF 808524409 328 5,609 SH   SOLE NONE 0 0 5,609
SCHWAB US LARGE CAP ETF US LRG CAP ETF 808524201 5,737 135,474 SH   SOLE NONE 0 0 135,474
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 7,891 208,774 SH   SOLE NONE 0 0 208,774
SCHWAB US TIPS ETF US TIPS ETF 808524870 1,600 30,890 SH   SOLE NONE 0 0 30,890
SELECT SECTOR HEALTH SBI HEALTHCARE 81369Y209 247 2,043 SH   SOLE NONE 0 0 2,043
SELECT SECTOR UTI SELECT SBI INT-UTILS 81369Y886 337 5,148 SH   SOLE NONE 0 0 5,148
SKYWORKS SOLUTIONS COM 83088M102 627 7,357 SH   SOLE NONE 0 0 7,357
SMARTETFS DIVIDEND SMARTETFS DIVID 402031835 396 18,738 SH   SOLE NONE 0 0 18,738
SMARTFINL INC 0050 COM NEW 83190L208 863 34,938 SH   SOLE NONE 0 0 34,938
SMITH & WESSON BRANDS IN COM 831754106 227 21,893 SH   SOLE NONE 0 0 21,893
SOUTHERN CO COM 842587107 351 5,168 SH   SOLE NONE 0 0 5,168
SPDR BLACKSTONE SENIOR BLACKSTONE SENR 78467V608 608 14,900 SH   SOLE NONE 0 0 14,900
SPDR GOLD SHARES ETF GOLD SHS 78463V107 325 2,104 SH   SOLE NONE 0 0 2,104
SPDR S&P 500 ETF TR UNIT 78462F103 4,948 13,854 SH   SOLE NONE 0 0 13,854
SPDR S&P BIOTECH ETF S&P BIOTECH 78464A870 543 6,846 SH   SOLE NONE 0 0 6,846
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 1,072 9,617 SH   SOLE NONE 0 0 9,617
SPDR S&P GLOBAL NATURAL GLB NAT RESRCE 78463X541 315 6,380 SH   SOLE NONE 0 0 6,380
SPDR SHORT TERM PORTFOLIO SHORT 78464A474 3,349 114,620 SH   SOLE NONE 0 0 114,620
STRYKER CORP COM 863667101 428 2,114 SH   SOLE NONE 0 0 2,114
STURM RUGER & CO INC COM 864159108 359 7,071 SH   SOLE NONE 0 0 7,071
TESLA INC COM 88160R101 3,918 14,774 SH   SOLE NONE 0 0 14,774
TEXAS INSTRUMENTS COM 882508104 217 1,407 SH   SOLE NONE 0 0 1,407
THE COCA-COLA CO COM 191216100 671 11,980 SH   SOLE NONE 0 0 11,980
THE NECESSITY RETAIL REI COM CLASS A 02607T109 94 16,063 SH   SOLE NONE 0 0 16,063
TRUIST FINL CORP COM 89832Q109 230 5,293 SH   SOLE NONE 0 0 5,293
U.S. GLOBAL JETS ETF US GLB JETS 26922A842 286 19,085 SH   SOLE NONE 0 0 19,085
UNITED COMMUNITY BKS COM 90984P303 591 17,858 SH   SOLE NONE 0 0 17,858
UNITED PARCEL SRVC CL B 911312106 1,490 9,225 SH   SOLE NONE 0 0 9,225
VANECK GOLD MINERS ETF GOLD MINERS ETF 92189F106 540 22,419 SH   SOLE NONE 0 0 22,419
VANGUARD CONSUMER CONSUM STP ETF 92204A207 15,737 91,607 SH   SOLE NONE 0 0 91,607
VANGUARD DIVIDEND DIV APP ETF 921908844 11,744 86,892 SH   SOLE NONE 0 0 86,892
VANGUARD EMERGING MARKT EM MK GOV BD ETF 921946885 4,705 81,847 SH   SOLE NONE 0 0 81,847
VANGUARD ENERGY ETF ENERGY ETF 92204A306 1,171 11,532 SH   SOLE NONE 0 0 11,532
VANGUARD FTSE ALL WORLD ALLWRLD EX US 922042775 32,274 727,556 SH   SOLE NONE 0 0 727,556
VANGUARD FTSE DEVELOPED VAN FTSE DEV MKT 921943858 36,882 1,014,369 SH   SOLE NONE 0 0 1,014,369
VANGUARD FTSE EMERGING FTSE EMR MKT ETF 922042858 29,070 796,683 SH   SOLE NONE 0 0 796,683
VANGUARD FTSE EUROPE FTSE EUROPE ETF 922042874 233 5,050 SH   SOLE NONE 0 0 5,050
VANGUARD FTSE PACIFIC FTSE PACIFIC ETF 922042866 563 9,805 SH   SOLE NONE 0 0 9,805
VANGUARD GROWTH ETF GROWTH ETF 922908736 781 3,651 SH   SOLE NONE 0 0 3,651
VANGUARD HEALTH CARE HEALTH CAR ETF 92204A504 605 2,705 SH   SOLE NONE 0 0 2,705
VANGUARD HIGH DIVIDEND HIGH DIV YLD 921946406 10,800 113,837 SH   SOLE NONE 0 0 113,837
VANGUARD INFORMATION INF TECH ETF 92204A702 1,969 6,407 SH   SOLE NONE 0 0 6,407
VANGUARD INTERMEDIATE INTERMED TERM 921937819 611 8,319 SH   SOLE NONE 0 0 8,319
VANGUARD INTERMEDIATE INT-TERM CORP 92206C870 42,941 567,406 SH   SOLE NONE 0 0 567,406
VANGUARD LARGE CAP ETF LARGE CAP ETF 922908637 4,156 25,411 SH   SOLE NONE 0 0 25,411
VANGUARD MID CAP ETF MID CAP ETF 922908629 15,187 80,795 SH   SOLE NONE 0 0 80,795
VANGUARD MID CAP GROWTH MCAP GR IDXVIP 922908538 2,367 13,880 SH   SOLE NONE 0 0 13,880
VANGUARD MID CAP VALUE MCAP VL IDXVIP 922908512 1,243 10,209 SH   SOLE NONE 0 0 10,209
VANGUARD MUNI BND TAX TAX EXEMPT BD 922907746 207 4,300 SH   SOLE NONE 0 0 4,300
VANGUARD REAL ESTATE REAL ESTATE ETF 922908553 15,942 198,856 SH   SOLE NONE 0 0 198,856
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 4,610 14,044 SH   SOLE NONE 0 0 14,044
VANGUARD S&P SMALL CAP SMLLCP 600 IDX 921932828 22,362 138,502 SH   SOLE NONE 0 0 138,502
VANGUARD SHORT INFLATION STRM INFPROIDX 922020805 844 17,558 SH   SOLE NONE 0 0 17,558
VANGUARD SHORT TERM SHORT TERM TREAS 92206C102 8,563 148,184 SH   SOLE NONE 0 0 148,184
VANGUARD SHORT TERM COR SHRT TRM CORP BD 92206C409 32,769 441,162 SH   SOLE NONE 0 0 441,162
VANGUARD SHORT-TERM BOND SHORT TRM BOND 921937827 7,603 101,629 SH   SOLE NONE 0 0 101,629
VANGUARD SMALL CAP ETF SMALL CP ETF 922908751 23,002 134,590 SH   SOLE NONE 0 0 134,590
VANGUARD SMALL CAP VALUE SM CP VAL ETF 922908611 2,018 14,078 SH   SOLE NONE 0 0 14,078
VANGUARD TOTAL VG TL INTL STK F 921909768 1,210 26,451 SH   SOLE NONE 0 0 26,451
VANGUARD TOTAL TOTAL INT BD ETF 92203J407 9,139 191,484 SH   SOLE NONE 0 0 191,484
VANGUARD TOTAL BOND TOTAL BND MRKT 921937835 71,294 999,498 SH   SOLE NONE 0 0 999,498
VANGUARD TOTAL STOCK TOTAL STK MKT 922908769 208,483 1,161,662 SH   SOLE NONE 0 0 1,161,662
VANGUARD TOTAL WORLD TT WRLD ST ETF 922042742 951 12,057 SH   SOLE NONE 0 0 12,057
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 18,592 130,696 SH   SOLE NONE 0 0 130,696
VANGUARD VALUE ETF VALUE ETF 922908744 1,578 12,780 SH   SOLE NONE 0 0 12,780
VERIZON COMMUNICATN COM 92343V104 1,629 42,921 SH   SOLE NONE 0 0 42,921
VGRD FTSE ALL WRLD EX US FTSE SMCAP ETF 922042718 2,707 29,177 SH   SOLE NONE 0 0 29,177
VISA INC COM CL A 92826C839 394 2,222 SH   SOLE NONE 0 0 2,222
WALMART INC COM 931142103 925 7,137 SH   SOLE NONE 0 0 7,137
WALT DISNEY CO COM 254687106 363 3,853 SH   SOLE NONE 0 0 3,853
YAMANA GOLD INC F COM 98462Y100 121 26,891 SH   SOLE NONE 0 0 26,891