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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AFLAC INC COM 001055102   1,049,749 9,954 SH   SOLE 0 0 0 9,954
AIR PRODS & CHEMS INC COM 009158106   487,682 1,729 SH   SOLE 0 0 0 1,729
ALPHABET INC CAP STK CL A 02079K305   1,707,669 9,690 SH   SOLE 0 0 0 9,690
ALPHABET INC CAP STK CL C 02079K107   309,013 1,742 SH   SOLE 0 0 0 1,742
AMAZON COM INC COM 023135106   1,163,425 5,303 SH   SOLE 0 0 0 5,303
AMERICAN EXPRESS CO COM 025816109   202,871 636 SH   SOLE 0 0 0 636
AMERICAN TOWER CORP NEW COM 03027X100   1,346,485 6,092 SH   SOLE 0 0 0 6,092
AMGEN INC COM 031162100   1,457,755 5,221 SH   SOLE 0 0 0 5,221
APPLE INC COM 037833100   5,468,601 26,654 SH   SOLE 0 0 0 26,654
ARCH CAP GROUP LTD ORD G0450A105   220,432 2,421 SH   SOLE 0 0 0 2,421
BALL CORP COM 058498106   481,533 8,585 SH   SOLE 0 0 0 8,585
BERKSHIRE HATHAWAY INC DEL CL A 084670108   728,800 1 SH   SOLE 0 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   451,280 929 SH   SOLE 0 0 0 929
BLACKROCK INC COM 09290D101   1,140,546 1,087 SH   SOLE 0 0 0 1,087
BROADCOM INC COM 11135F101   4,769,050 17,301 SH   SOLE 0 0 0 17,301
CISCO SYS INC COM 17275R102   222,502 3,207 SH   SOLE 0 0 0 3,207
CLEAN HARBORS INC COM 184496107   254,298 1,100 SH   SOLE 0 0 0 1,100
COCA COLA CO COM 191216100   409,572 5,789 SH   SOLE 0 0 0 5,789
EATON CORP PLC SHS G29183103   1,244,476 3,486 SH   SOLE 0 0 0 3,486
EBAY INC. COM 278642103   829,187 11,136 SH   SOLE 0 0 0 11,136
ELI LILLY & CO COM 532457108   272,836 350 SH   SOLE 0 0 0 350
EMERSON ELEC CO COM 291011104   614,251 4,607 SH   SOLE 0 0 0 4,607
EXXON MOBIL CORP COM 30231G102   413,943 3,840 SH   SOLE 0 0 0 3,840
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   206,095 1,045 SH   SOLE 0 0 0 1,045
FIRST CTZNS BANCSHARES INC N CL A 31946M103   391,294 200 SH   SOLE 0 0 0 200
GOLDMAN SACHS PHYSICAL GOLD UNIT 38150K103   8,232,844 251,923 SH   SOLE 0 2,310 0 249,613
GOLUB CAP BDC INC COM 38173M102   148,922 10,165 SH   SOLE 0 0 0 10,165
HOME DEPOT INC COM 437076102   285,246 778 SH   SOLE 0 390 0 388
INTERNATIONAL BUSINESS MACHS COM 459200101   325,732 1,105 SH   SOLE 0 0 0 1,105
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   778,209 37,631 SH   SOLE 0 2,210 0 35,421
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   620,097 3,412 SH   SOLE 0 0 0 3,412
INVESCO QQQ TR UNIT SER 1 46090E103   2,001,006 3,627 SH   SOLE 0 0 0 3,627
ISHARES INC MSCI JPN ETF NEW 46434G822   261,495 3,488 SH   SOLE 0 0 0 3,488
ISHARES INC MSCI CDA ETF 464286509   2,456,916 53,180 SH   SOLE 0 500 0 52,680
ISHARES INC CORE MSCI EMKT 46434G103   1,053,046 17,542 SH   SOLE 0 0 0 17,542
ISHARES TR CORE MSCI EAFE 46432F842   2,702,415 32,372 SH   SOLE 0 0 0 32,372
ISHARES TR MSCI USA MIN VOL 46429B697   374,354 3,988 SH   SOLE 0 0 0 3,988
ISHARES TR US TREAS BD ETF 46429B267   1,460,471 63,554 SH   SOLE 0 0 0 63,554
ISHARES TR A RATE CP BD ETF 46429B291   6,885,501 143,928 SH   SOLE 0 2,025 0 141,903
ISHARES TR CORE MSCI INTL 46435G326   1,046,919 13,768 SH   SOLE 0 0 0 13,768
ISHARES TR CORE DIV GRWTH 46434V621   235,555 3,684 SH   SOLE 0 0 0 3,684
ISHARES TR MSCI USA QLT FCT 46432F339   1,831,491 10,018 SH   SOLE 0 0 0 10,018
ISHARES TR ESG SELECT SCRE 46436E569   411,554 8,630 SH   SOLE 0 0 0 8,630
ISHARES TR ESG AWR US AGRGT 46435U549   270,503 5,690 SH   SOLE 0 0 0 5,690
ISHARES TR SHRT NAT MUN ETF 464288158   1,247,475 11,731 SH   SOLE 0 325 0 11,406
ISHARES TR NATIONAL MUN ETF 464288414   1,482,571 14,190 SH   SOLE 0 0 0 14,190
ISHARES TR MSCI ACWI EX US 464288240   529,447 8,688 SH   SOLE 0 380 0 8,308
ISHARES TR CORE S&P TTL STK 464287150   292,902 2,169 SH   SOLE 0 0 0 2,169
ISHARES TR USD INV GRDE ETF 464288620   674,584 13,114 SH   SOLE 0 0 0 13,114
ISHARES TR ISHS 1-5YR INVS 464288646   648,948 12,300 SH   SOLE 0 0 0 12,300
ISHARES TR MBS ETF 464288588   832,429 8,866 SH   SOLE 0 0 0 8,866
ISHARES TR GOV/CRED BD ETF 464288596   7,886,909 75,512 SH   SOLE 0 270 0 75,242
ISHARES TR JPMORGAN USD EMG 464288281   3,070,341 33,150 SH   SOLE 0 623 0 32,527
ISHARES TR ISHS 5-10YR INVT 464288638   9,829,341 184,450 SH   SOLE 0 1,550 0 182,900
ISHARES TR MSCI EAFE ETF 464287465   21,499,257 240,511 SH   SOLE 0 2,760 0 237,751
ISHARES TR CORE S&P MCP ETF 464287507   8,846,583 142,641 SH   SOLE 0 1,155 0 141,486
ISHARES TR CORE S&P SCP ETF 464287804   834,320 7,634 SH   SOLE 0 0 0 7,634
ISHARES TR S&P 500 VAL ETF 464287408   330,260 1,690 SH   SOLE 0 0 0 1,690
ISHARES TR CORE S&P500 ETF 464287200   50,619,369 81,526 SH   SOLE 0 1,713 0 79,813
ISHARES TR S&P 500 GRWT ETF 464287309   687,795 6,247 SH   SOLE 0 0 0 6,247
ISHARES TR EXPANDED TECH 464287515   465,375 4,250 SH   SOLE 0 0 0 4,250
ISHARES TR CORE US AGGBD ET 464287226   20,631,130 207,975 SH   SOLE 0 2,735 0 205,240
ISHARES TR MSCI EMG MKT ETF 464287234   12,102,844 250,888 SH   SOLE 0 2,545 0 248,343
JOHNSON & JOHNSON COM 478160104   237,679 1,556 SH   SOLE 0 0 0 1,556
JPMORGAN CHASE & CO. COM 46625H100   1,624,398 5,603 SH   SOLE 0 0 0 5,603
KLA CORP COM NEW 482480100   2,488,366 2,778 SH   SOLE 0 0 0 2,778
LOWES COS INC COM 548661107   366,529 1,652 SH   SOLE 0 0 0 1,652
MASTERCARD INCORPORATED CL A 57636Q104   416,398 741 SH   SOLE 0 0 0 741
MEDTRONIC PLC SHS G5960L103   1,363,886 15,646 SH   SOLE 0 0 0 15,646
MERCK & CO INC COM 58933Y105   962,133 12,154 SH   SOLE 0 0 0 12,154
META PLATFORMS INC CL A 30303M102   335,831 455 SH   SOLE 0 0 0 455
MICROSOFT CORP COM 594918104   6,876,963 13,826 SH   SOLE 0 0 0 13,826
NVIDIA CORPORATION COM 67066G104   236,670 1,498 SH   SOLE 0 0 0 1,498
ORACLE CORP COM 68389X105   765,861 3,503 SH   SOLE 0 0 0 3,503
PARK NATL CORP COM 700658107   230,150 1,376 SH   SOLE 0 0 0 1,376
PEPSICO INC COM 713448108   692,690 5,246 SH   SOLE 0 0 0 5,246
PFIZER INC COM 717081103   287,656 11,867 SH   SOLE 0 0 0 11,867
PIMCO ETF TR MULTISECTOR BD 72201R585   338,624 12,759 SH   SOLE 0 0 0 12,759
PNC FINL SVCS GROUP INC COM 693475105   1,068,786 5,733 SH   SOLE 0 0 0 5,733
PROCTER AND GAMBLE CO COM 742718109   317,843 1,995 SH   SOLE 0 0 0 1,995
QUALCOMM INC COM 747525103   965,777 6,064 SH   SOLE 0 0 0 6,064
SCHWAB CHARLES CORP COM 808513105   888,221 9,735 SH   SOLE 0 0 0 9,735
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   572,429 25,902 SH   SOLE 0 0 0 25,902
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   485,256 19,855 SH   SOLE 0 0 0 19,855
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   210,268 8,311 SH   SOLE 0 0 0 8,311
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   630,089 21,571 SH   SOLE 0 0 0 21,571
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   208,051 7,519 SH   SOLE 0 0 0 7,519
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   220,313 5,319 SH   SOLE 0 0 0 5,319
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   5,365,554 49,438 SH   SOLE 0 0 0 49,438
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,696,182 20,771 SH   SOLE 0 0 0 20,771
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,369,136 16,144 SH   SOLE 0 0 0 16,144
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   3,623,082 69,182 SH   SOLE 0 0 0 69,182
SELECT SECTOR SPDR TR INDL 81369Y704   3,788,197 25,679 SH   SOLE 0 0 0 25,679
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   5,137,291 20,287 SH   SOLE 0 0 0 20,287
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   2,248,149 27,765 SH   SOLE 0 0 0 27,765
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   3,616,026 26,827 SH   SOLE 0 0 0 26,827
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   6,260,652 28,807 SH   SOLE 0 0 0 28,807
SOUTHERN FIRST BANCSHARES COM 842873101   291,880 7,675 SH   SOLE 0 0 0 7,675
SPDR GOLD TR GOLD SHS 78463V107   570,642 1,872 SH   SOLE 0 0 0 1,872
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   3,016,354 70,574 SH   SOLE 0 0 0 70,574
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   3,828,046 94,543 SH   SOLE 0 0 0 94,543
SPDR INDEX SHS FDS EURO STOXX 50 78463X202   2,167,010 36,280 SH   SOLE 0 340 0 35,940
SPDR INDEX SHS FDS MSCI EAFE FS ETF 78470E106   244,614 5,165 SH   SOLE 0 0 0 5,165
SPDR S&P 500 ETF TR TR UNIT 78462F103   286,682 464 SH   SOLE 0 0 0 464
SPDR SERIES TRUST PORTFOLI S&P1500 78464A805   1,623,016 21,672 SH   SOLE 0 490 0 21,182
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409   3,983,899 41,795 SH   SOLE 0 0 0 41,795
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508   2,452,129 46,850 SH   SOLE 0 0 0 46,850
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853   3,290,620 77,245 SH   SOLE 0 795 0 76,450
SPDR SERIES TRUST PORTFOLIO S&P400 78464A847   509,180 9,363 SH   SOLE 0 0 0 9,363
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649   791,552 30,920 SH   SOLE 0 0 0 30,920
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854   3,654,650 50,277 SH   SOLE 0 0 0 50,277
SPDR SERIES TRUST NUVEEN ICE MUNIC 78468R721   201,015 4,500 SH   SOLE 0 0 0 4,500
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474   206,530 6,841 SH   SOLE 0 0 0 6,841
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   319,516 7,966 SH   SOLE 0 0 0 7,966
STRYKER CORPORATION COM 863667101   417,390 1,055 SH   SOLE 0 0 0 1,055
SYSCO CORP COM 871829107   273,194 3,607 SH   SOLE 0 0 0 3,607
TJX COS INC NEW COM 872540109   632,886 5,125 SH   SOLE 0 0 0 5,125
TRUIST FINL CORP COM 89832Q109   208,330 4,846 SH   SOLE 0 0 0 4,846
UNITEDHEALTH GROUP INC COM 91324P102   239,281 767 SH   SOLE 0 0 0 767
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   227,548 4,596 SH   SOLE 0 0 0 4,596
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   571,478 1,006 SH   SOLE 0 0 0 1,006
VANGUARD INDEX FDS TOTAL STK MKT 922908769   608,468 2,002 SH   SOLE 0 0 0 2,002
VANGUARD INDEX FDS GROWTH ETF 922908736   585,702 1,336 SH   SOLE 0 0 0 1,336
VANGUARD INDEX FDS VALUE ETF 922908744   325,378 1,841 SH   SOLE 0 0 0 1,841
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   314,099 6,351 SH   SOLE 0 0 0 6,351
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   237,623 3,535 SH   SOLE 0 0 0 3,535
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   223,975 2,890 SH   SOLE 0 0 0 2,890
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   376,593 1,840 SH   SOLE 0 0 0 1,840
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   817,676 14,343 SH   SOLE 0 0 0 14,343
VANGUARD WORLD FD MEGA GRWTH IND 921910816   538,636 1,471 SH   SOLE 0 0 0 1,471
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   515,485 3,929 SH   SOLE 0 0 0 3,929
VANGUARD WORLD FD INF TECH ETF 92204A702   378,070 570 SH   SOLE 0 0 0 570
VANGUARD WORLD FD ENERGY ETF 92204A306   313,286 2,630 SH   SOLE 0 0 0 2,630
VISA INC COM CL A 92826C839   2,720,393 7,662 SH   SOLE 0 0 0 7,662
WALMART INC COM 931142103   1,536,341 15,712 SH   SOLE 0 0 0 15,712