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
AFLAC INC COM 001055102 974 16,676 SH   SOLE   16,675 0 0
AT&T INC COM 00206R102 823 33,436 SH   SOLE   33,436 0 0
ABBOTT LABS COM 002824100 342 2,433 SH   SOLE   2,432 0 0
ABBVIE INC COM 00287Y109 666 4,919 SH   SOLE   4,919 0 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 254 5,200 SH   SOLE   5,200 0 0
ALPHABET INC CAP STK CL C 02079K107 813 281 SH   SOLE   281 0 0
ALPHABET INC CAP STK CL A 02079K305 1,258 434 SH   SOLE   434 0 0
AMAZON COM INC COM 023135106 2,108 632 SH   SOLE   632 0 0
AMERICAN CAMPUS CMNTYS INC COM 024835100 271 4,730 SH   SOLE   4,730 0 0
ANTHEM INC COM 036752103 257 554 SH   SOLE   554 0 0
APPLE INC COM 037833100 9,099 51,242 SH   SOLE   51,241 0 0
BK OF AMERICA CORP COM 060505104 712 15,998 SH   SOLE   15,997 0 0
BARCLAYS BANK PLC IPATH SHILR CAPE 06742A669 55,503 2,438,621 SH   SOLE   2,438,621 0 0
BAXTER INTL INC COM 071813109 366 4,261 SH   SOLE   4,261 0 0
BECTON DICKINSON & CO COM 075887109 433 1,720 SH   SOLE   1,720 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,458 14,910 SH   SOLE   14,910 0 0
BIOGEN INC COM 09062X103 213 887 SH   SOLE   887 0 0
BLACKROCK SCIENCE & TECHNOLO SHS BEN INT 09260K101 292 7,500 SH   SOLE   7,500 0 0
BOOKING HOLDINGS INC COM 09857L108 278 116 SH   SOLE   116 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 929 14,898 SH   SOLE   14,898 0 0
BROADCOM INC COM 11135F101 412 619 SH   SOLE   619 0 0
CHEVRON CORP NEW COM 166764100 1,512 12,885 SH   SOLE   12,884 0 0
CISCO SYS INC COM 17275R102 1,667 26,300 SH   SOLE   26,299 0 0
COCA COLA CO COM 191216100 1,567 26,471 SH   SOLE   26,470 0 0
COLGATE PALMOLIVE CO COM 194162103 734 8,600 SH   SOLE   8,600 0 0
DEERE & CO COM 244199105 408 1,189 SH   SOLE   1,189 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 245 8,453 SH   SOLE   8,453 0 0
DISNEY WALT CO COM 254687106 545 3,520 SH   SOLE   3,519 0 0
DRIVEN BRANDS HLDGS INC COM 26210V102 718 21,371 SH   SOLE   21,371 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,207 9,315 SH   SOLE   9,315 0 0
EXXON MOBIL CORP COM 30231G102 988 16,149 SH   SOLE   16,149 0 0
META PLATFORMS INC CL A 30303M102 644 1,914 SH   SOLE   1,914 0 0
FORD MTR CO DEL COM 345370860 330 15,885 SH   SOLE   15,885 0 0
FORTINET INC COM 34959E109 252 700 SH   SOLE   700 0 0
GILEAD SCIENCES INC COM 375558103 287 3,957 SH   SOLE   3,957 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 979 27,757 SH   SOLE   27,757 0 0
GOODYEAR TIRE & RUBR CO COM 382550101 278 13,030 SH   SOLE   13,030 0 0
HOME DEPOT INC COM 437076102 3,774 9,093 SH   SOLE   9,093 0 0
INTEL CORP COM 458140100 983 19,088 SH   SOLE   19,088 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,174 8,785 SH   SOLE   8,785 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 934 2,347 SH   SOLE   2,347 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 23,781 124,048 SH   SOLE   124,047 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 480 21,720 SH   SOLE   21,720 0 0
ISHARES TR TIPS BD ETF 464287176 420 3,249 SH   SOLE   3,249 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,297 26,553 SH   SOLE   26,553 0 0
ISHARES TR MSCI ACWI ETF 464288257 3,475 32,847 SH   SOLE   32,847 0 0
ISHARES TR JPMORGAN USD EMG 464288281 223 2,042 SH   SOLE   2,042 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 579 7,158 SH   SOLE   7,157 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 1,621 32,456 SH   SOLE   32,456 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 68,363 469,652 SH   SOLE   469,652 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 55,431 781,373 SH   SOLE   781,372 0 0
ISHARES TR CORE MSCI EAFE 46432F842 34,151 457,545 SH   SOLE   457,544 0 0
ISHARES INC CORE MSCI EMKT 46434G103 279 4,657 SH   SOLE   4,657 0 0
ISHARES TR MSCI GBL MULTIFC 46434V316 795 20,292 SH   SOLE   20,292 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 258 5,685 SH   SOLE   5,685 0 0
JPMORGAN CHASE & CO COM 46625H100 1,359 8,583 SH   SOLE   8,582 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 379 7,505 SH   SOLE   7,505 0 0
JOHNSON & JOHNSON COM 478160104 1,593 9,312 SH   SOLE   9,311 0 0
KINDER MORGAN INC DEL COM 49456B101 304 19,189 SH   SOLE   19,189 0 0
LEGGETT & PLATT INC COM 524660107 284 6,890 SH   SOLE   6,890 0 0
LILLY ELI & CO COM 532457108 1,619 5,860 SH   SOLE   5,859 0 0
LINCOLN NATL CORP IND COM 534187109 232 3,400 SH   SOLE   3,400 0 0
LISTED FD TR CORE ALT FD 53656F847 623 19,995 SH   SOLE   19,995 0 0
LOUISIANA PAC CORP COM 546347105 313 4,000 SH   SOLE   4,000 0 0
LOWES COS INC COM 548661107 253 979 SH   SOLE   979 0 0
MCDONALDS CORP COM 580135101 236 880 SH   SOLE   880 0 0
MERCK & CO INC COM 58933Y105 519 6,776 SH   SOLE   6,775 0 0
MICROSOFT CORP COM 594918104 5,037 14,977 SH   SOLE   14,977 0 0
MICRON TECHNOLOGY INC COM 595112103 230 2,472 SH   SOLE   2,471 0 0
NETFLIX INC COM 64110L106 777 1,290 SH   SOLE   1,290 0 0
NEXTERA ENERGY INC COM 65339F101 432 4,623 SH   SOLE   4,622 0 0
NIKE INC CL B 654106103 621 3,728 SH   SOLE   3,727 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 350 496 SH   SOLE   496 0 0
ORACLE CORP COM 68389X105 599 6,863 SH   SOLE   6,863 0 0
PACER FDS TR TRENDP US MID CP 69374H204 401 10,962 SH   SOLE   10,962 0 0
PAYPAL HLDGS INC COM 70450Y103 216 1,144 SH   SOLE   1,144 0 0
PEPSICO INC COM 713448108 867 4,991 SH   SOLE   4,990 0 0
PFIZER INC COM 717081103 1,931 32,709 SH   SOLE   32,709 0 0
PHYSICIANS RLTY TR COM 71943U104 383 20,330 SH   SOLE   20,330 0 0
PROCTER AND GAMBLE CO COM 742718109 1,491 9,115 SH   SOLE   9,114 0 0
PUBLIC STORAGE COM 74460D109 1,057 2,822 SH   SOLE   2,822 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100 426 19,552 SH   SOLE   19,551 0 0
S&P GLOBAL INC COM 78409V104 531 1,125 SH   SOLE   1,125 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,706 12,014 SH   SOLE   12,013 0 0
SPDR GOLD TR GOLD SHS 78463V107 529 3,095 SH   SOLE   3,095 0 0
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 230 3,000 SH   SOLE   3,000 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 253 5,088 SH   SOLE   5,088 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 392 1,078 SH   SOLE   1,078 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 66,539 128,533 SH   SOLE   128,532 0 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 372 7,186 SH   SOLE   7,186 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 454 9,224 SH   SOLE   9,224 0 0
SALESFORCE COM INC COM 79466L302 349 1,374 SH   SOLE   1,374 0 0
SCHWAB CHARLES CORP COM 808513105 601 7,141 SH   SOLE   7,141 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 39,586 849,845 SH   SOLE   849,845 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 40,133 721,689 SH   SOLE   721,688 0 0
SIMON PPTY GROUP INC NEW COM 828806109 299 1,872 SH   SOLE   1,872 0 0
STAG INDL INC COM 85254J102 408 8,510 SH   SOLE   8,510 0 0
3M CO COM 88579Y101 482 2,716 SH   SOLE   2,715 0 0
II-VI INC COM 902104108 489 7,150 SH   SOLE   7,150 0 0
UNION PAC CORP COM 907818108 482 1,915 SH   SOLE   1,915 0 0
UNITEDHEALTH GROUP INC COM 91324P102 493 982 SH   SOLE   982 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 267 1,554 SH   SOLE   1,554 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 479 4,272 SH   SOLE   4,272 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 27,896 208,240 SH   SOLE   208,239 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 62,618 582,875 SH   SOLE   582,874 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 392 6,400 SH   SOLE   6,400 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 25,634 518,284 SH   SOLE   518,284 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 981 2,246 SH   SOLE   2,246 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 3,315 22,532 SH   SOLE   22,532 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 650 2,692 SH   SOLE   2,692 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 871 16,767 SH   SOLE   16,767 0 0
VISA INC COM CL A 92826C839 667 3,080 SH   SOLE   3,080 0 0
WALMART INC COM 931142103 2,967 20,509 SH   SOLE   20,508 0 0
WELLS FARGO CO NEW COM 949746101 702 14,639 SH   SOLE   14,638 0 0
WEST PHARMACEUTICAL SVSC INC COM 955306105 1,829 3,900 SH   SOLE   3,900 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 28,405 536,748 SH   SOLE   536,747 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 1,376 37,334 SH   SOLE   37,334 0 0