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
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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
AMAZON COM INC COM Stock 023135106   898,653 4,982 SH   SOLE 0 130 0 4,852
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   2,416,557 11,603 SH   SOLE 0 81 0 11,522
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   22,549,179 891,977 SH   SOLE 0 30,198 0 861,779
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788   4,340,459 106,619 SH   SOLE 0 17,266 0 89,353
JOHNSON & JOHNSON COM Stock 478160104   1,385,270 8,757 SH   SOLE 0 2,036 0 6,721
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   224,814 865 SH   SOLE 0 0 0 865
VANGUARD ENERGY ETF ETF 92204A306   514,552 3,907 SH   SOLE 0 1,900 0 2,007
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   3,371,475 49,004 SH   SOLE 0 12,550 0 36,454
COSTCO WHSL CORP NEW COM Stock 22160K105   447,637 611 SH   SOLE 0 233 0 378
GOLDMAN SACHS GROUP INC COM Stock 38141G104   750,589 1,797 SH   SOLE 0 393 0 1,404
WATSCO INC COM Stock 942622200   328,729 761 SH   SOLE 0 0 0 761
PROCTER AND GAMBLE CO COM Stock 742718109   660,195 4,069 SH   SOLE 0 793 0 3,276
COCA COLA CO COM Stock 191216100   1,061,412 17,349 SH   SOLE 0 4,681 0 12,668
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109   240,346 6,246 SH   SOLE 0 0 0 6,246
ISHARES U.S. ENERGY ETF ETF 464287796   1,207,188 24,437 SH   SOLE 0 0 0 24,437
TRUIST FINL CORP COM Stock 89832Q109   264,440 6,784 SH   SOLE 0 500 0 6,284
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825   7,536,239 368,881 SH   SOLE 0 13,650 0 355,231
UNITED PARCEL SERVICE INC CL B Stock 911312106   368,751 2,481 SH   SOLE 0 0 0 2,481
CLOROX CO DEL COM Stock 189054109   312,651 2,042 SH   SOLE 0 1,350 0 692
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   9,365,376 89,424 SH   SOLE 0 6,902 0 82,522
SPDR S&P 500 ETF TRUST ETF 78462F103   1,081,883 2,068 SH   SOLE 0 825 0 1,243
DIAGEO PLC SPON ADR NEW ADR 25243Q205   220,284 1,481 SH   SOLE 0 500 0 981
FEDERAL SIGNAL CORP COM Stock 313855108   212,175 2,500 SH   SOLE 0 0 0 2,500
ISHARES TIPS BOND ETF ETF 464287176   15,065,649 140,263 SH   SOLE 0 4,643 0 135,620
VERTEX PHARMACEUTICALS INC COM Stock 92532F100   222,381 532 SH   SOLE 0 0 0 532
VANGUARD EXTENDED DURATION TREASURY ETF ETF 921910709   12,003,450 156,703 SH   SOLE 0 6,546 0 150,157
VERIZON COMMUNICATIONS INC COM Stock 92343V104   920,057 21,927 SH   SOLE 0 4,139 0 17,788
FEDEX CORP COM Stock 31428X106   392,598 1,355 SH   SOLE 0 0 0 1,355
PEPSICO INC COM Stock 713448108   668,538 3,820 SH   SOLE 0 1,138 0 2,682
KIMBERLY-CLARK CORP COM Stock 494368103   239,556 1,852 SH   SOLE 0 1,500 0 352
TRANE TECHNOLOGIES PLC SHS Stock G8994E103   215,243 717 SH   SOLE 0 457 0 260
HOME DEPOT INC COM Stock 437076102   985,085 2,568 SH   SOLE 0 1,290 0 1,278
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   1,098,668 7,437 SH   SOLE 0 107 0 7,330
SPDR GOLD SHARES ETF 78463V107   586,302 2,850 SH   SOLE 0 0 0 2,850
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   256,836 5,216 SH   SOLE 0 0 0 5,216
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   1,034,406 3,069 SH   SOLE 0 1,890 0 1,179
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   625,608 16,033 SH   SOLE 0 1,476 0 14,557
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   407,734 6,570 SH   SOLE 0 0 0 6,570
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   530,358 4,799 SH   SOLE 0 309 0 4,489
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   2,008,404 4,776 SH   SOLE 0 320 0 4,456
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   37,426,257 1,482,228 SH   SOLE 0 76,865 0 1,405,363
ALPHABET INC CAP STK CL A Stock 02079K305   784,836 5,200 SH   SOLE 0 0 0 5,200
CSX CORP COM Stock 126408103   222,605 6,005 SH   SOLE 0 0 0 6,005
MICROSOFT CORP COM Stock 594918104   2,589,532 6,155 SH   SOLE 0 692 0 5,463
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404   640,900 34,000 SH   SOLE 0 34,000 0 0
ISHARES MSCI BRAZIL ETF ETF 464286400   465,065 14,345 SH   SOLE 0 0 0 14,345
VANGUARD SMALL-CAP ETF ETF 922908751   79,485,315 347,720 SH   SOLE 0 18,615 0 329,105
VANGUARD MID-CAP ETF ETF 922908629   34,386,483 137,623 SH   SOLE 0 9,501 0 128,122
VANGUARD LARGE-CAP ETF ETF 922908637   90,888,245 379,080 SH   SOLE 0 21,916 0 357,164
NEXTERA ENERGY INC COM Stock 65339F101   448,840 7,023 SH   SOLE 0 26 0 6,997
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764   335,921 5,835 SH   SOLE 0 0 0 5,835
NORFOLK SOUTHN CORP COM Stock 655844108   234,735 921 SH   SOLE 0 35 0 886
ALERIAN MLP ETF ETF 00162Q452   2,787,990 58,744 SH   SOLE 0 11,941 0 46,803
VANGUARD CONSUMER STAPLES ETF ETF 92204A207   257,421 1,261 SH   SOLE 0 500 0 761
BROOKFIELD CORP CL A LTD VT SH Stock 11271J107   256,318 6,119 SH   SOLE 0 0 0 6,119
DOW INC COM Stock 260557103   901,623 15,564 SH   SOLE 0 3,331 0 12,233
VANGUARD S&P MID-CAP 400 ETF ETF 921932885   216,321 2,100 SH   SOLE 0 0 0 2,100
ISHARES MSCI BRAZIL SMALL-CAP ETF ETF 464289131   393,409 27,057 SH   SOLE 0 0 0 27,057
VANGUARD S&P 500 ETF ETF 922908363   358,602 746 SH   SOLE 0 500 0 246
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325   5,564,858 220,216 SH   SOLE 0 16,142 0 204,074
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   367,743 661 SH   SOLE 0 28 0 632
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283   16,697,753 663,399 SH   SOLE 0 47,079 0 616,320
VANECK GOLD MINERS ETF ETF 92189F106   202,273 6,397 SH   SOLE 0 0 0 6,397
ELI LILLY & CO COM Stock 532457108   223,275 287 SH   SOLE 0 42 0 245
SP FUNDS DOW JONES GLOBAL SUKUK ETF ETF 886364702   215,814 12,138 SH   SOLE 0 0 0 12,138
ISHARES RUSSELL 2000 ETF ETF 464287655   855,080 4,066 SH   SOLE 0 1,530 0 2,536
ISHARES SELECT DIVIDEND ETF ETF 464287168   556,897 4,521 SH   SOLE 0 2,449 0 2,072
VANGUARD SMALL CAP VALUE ETF ETF 922908611   2,979,513 15,528 SH   SOLE 0 0 0 15,528
VANGUARD RUSSELL 1000 ETF ETF 92206C730   30,520,451 128,065 SH   SOLE 0 4,823 0 123,242
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284   943,183 36,714 SH   SOLE 0 0 0 36,714
VANGUARD MID-CAP GROWTH ETF ETF 922908538   947,640 4,019 SH   SOLE 0 0 0 4,019
XYLEM INC COM Stock 98419M100   450,143 3,483 SH   SOLE 0 3,086 0 397
VISA INC COM CL A Stock 92826C839   681,513 2,442 SH   SOLE 0 1,240 0 1,202
DIMENSIONAL U.S. SMALL CAP ETF ETF 25434V500   330,527 5,302 SH   SOLE 0 0 0 5,302
GOLDMAN SACHS FUTURE TECH LEADERS EQUITY ETF ETF 38149W812   16,916,451 574,516 SH   SOLE 0 28,990 0 545,526
ISHARES MSCI INDIA ETF ETF 46429B598   525,031 10,177 SH   SOLE 0 0 0 10,177
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   667,443 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE ETF ETF 922908744   19,117,810 117,388 SH   SOLE 0 541 0 116,847
VANGUARD GROWTH ETF ETF 922908736   16,777,685 48,744 SH   SOLE 0 232 0 48,512
AMERICAN TOWER CORP NEW COM REIT 03027X100   297,571 1,506 SH   SOLE 0 717 0 789
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   346,246 3,003 SH   SOLE 0 2,064 0 939
GLOBAL X MLP ETF ETF 37954Y343   249,153 5,167 SH   SOLE 0 5,167 0 0
ALPS SECTOR DIVIDEND DOGS ETF ETF 00162Q858   1,467,170 27,195 SH   SOLE 0 5,673 0 21,522
BUILDERS FIRSTSOURCE INC COM Stock 12008R107   265,276 1,272 SH   SOLE 0 1,267 0 5
MARTIN MARIETTA MATLS INC COM Stock 573284106   253,557 413 SH   SOLE 0 245 0 168
NVIDIA CORPORATION COM Stock 67066G104   957,774 1,060 SH   SOLE 0 0 0 1,060
CUMMINS INC COM Stock 231021106   294,945 1,001 SH   SOLE 0 1,000 0 1
ABBVIE INC COM Stock 00287Y109   219,066 1,203 SH   SOLE 0 266 0 937
SPDR S&P METALS & MINING ETF ETF 78464A755   1,514,053 25,117 SH   SOLE 0 0 0 25,117
CURTISS WRIGHT CORP COM Stock 231561101   255,940 1,000 SH   SOLE 0 1,000 0 0
OWENS & MINOR INC NEW COM Stock 690732102   260,308 9,394 SH   SOLE 0 0 0 9,394
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648   225,035 831 SH   SOLE 0 0 0 831
STRYKER CORPORATION COM Stock 863667101   239,057 668 SH   SOLE 0 575 0 93
GENERAL DYNAMICS CORP COM Stock 369550108   253,111 896 SH   SOLE 0 500 0 396
MCDONALDS CORP COM Stock 580135101   1,010,227 3,583 SH   SOLE 0 1,507 0 2,076
GLOBAL X URANIUM ETF ETF 37954Y871   16,416,898 569,438 SH   SOLE 0 25,915 0 543,523
CISCO SYS INC COM Stock 17275R102   989,965 19,835 SH   SOLE 0 4,491 0 15,344
ISHARES FRONTIER AND SELECT EM ETF ETF 464286145   840,276 29,329 SH   SOLE 0 0 0 29,329
CAPITAL ONE FINL CORP COM Stock 14040H105   253,709 1,704 SH   SOLE 0 0 0 1,704
VANECK JUNIOR GOLD MINERS ETF ETF 92189F791   28,136,475 726,290 SH   SOLE 0 35,087 0 691,203
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101   22,486,948 777,557 SH   SOLE 0 25,727 0 751,830
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   21,136,949 161,684 SH   SOLE 0 9,051 0 152,633
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   385,801 2,098 SH   SOLE 0 30 0 2,068
INVESCO S&P ULTRA DIVIDEND REVENUE ETF ETF 46138G656   31,499,692 687,316 SH   SOLE 0 45,250 0 642,066
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402   277,404 10,723 SH   SOLE 0 0 0 10,723
LAMAR ADVERTISING CO NEW CL A REIT 512816109   227,357 1,904 SH   SOLE 0 0 0 1,904
WELLS FARGO CO NEW COM Stock 949746101   201,875 3,483 SH   SOLE 0 0 0 3,483
UNION PAC CORP COM Stock 907818108   1,354,828 5,509 SH   SOLE 0 1,043 0 4,466
VANGUARD MID-CAP VALUE ETF ETF 922908512   844,564 5,417 SH   SOLE 0 0 0 5,417
JPMORGAN CHASE & CO COM Stock 46625H100   1,274,509 6,363 SH   SOLE 0 914 0 5,449
CHEVRON CORP NEW COM Stock 166764100   915,207 5,802 SH   SOLE 0 1,305 0 4,497
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   11,181,469 103,917 SH   SOLE 0 7,734 0 96,183
MARKEL GROUP INC COM Stock 570535104   295,167 194 SH   SOLE 0 0 0 194
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   44,750,336 891,974 SH   SOLE 0 49,745 0 842,229
TJX COS INC NEW COM Stock 872540109   247,870 2,444 SH   SOLE 0 2,000 0 444
BANK AMERICA CORP COM Stock 060505104   380,148 10,025 SH   SOLE 0 0 0 10,025
SPDR S&P DIVIDEND ETF ETF 78464A763   395,032 3,010 SH   SOLE 0 875 0 2,135
WALMART INC COM Stock 931142103   246,938 4,104 SH   SOLE 0 3,033 0 1,071
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448   3,600,897 128,420 SH   SOLE 0 24,434 0 103,986
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   1,096,683 5,743 SH   SOLE 0 1,105 0 4,638
ORACLE CORP COM Stock 68389X105   551,805 4,393 SH   SOLE 0 185 0 4,208
RTX CORPORATION COM Stock 75513E101   256,796 2,633 SH   SOLE 0 276 0 2,357
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   2,968,408 71,066 SH   SOLE 0 270 0 70,795
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   31,295,273 258,660 SH   SOLE 0 27,197 0 231,463
PFIZER INC COM Stock 717081103   368,409 13,276 SH   SOLE 0 1,970 0 11,306
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   7,481,715 68,690 SH   SOLE 0 2,331 0 66,359
3M CO COM Stock 88579Y101   878,047 8,278 SH   SOLE 0 2,010 0 6,268
CATERPILLAR INC COM Stock 149123101   1,009,148 2,754 SH   SOLE 0 1,550 0 1,204
ALPHABET INC CAP STK CL C Stock 02079K107   1,026,080 6,739 SH   SOLE 0 2,481 0 4,258
AMERICAN EXPRESS CO COM Stock 025816109   278,009 1,221 SH   SOLE 0 233 0 988
AMGEN INC COM Stock 031162100   1,052,553 3,702 SH   SOLE 0 1,040 0 2,662
APPLIED MATLS INC COM Stock 038222105   463,605 2,248 SH   SOLE 0 1,380 0 868
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM Stock 31620R303   254,986 4,802 SH   SOLE 0 0 0 4,802
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   22,756,457 232,351 SH   SOLE 0 7,909 0 224,442
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432   8,148,012 86,113 SH   SOLE 0 2,631 0 83,482
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854   299,959 4,875 SH   SOLE 0 0 0 4,875
EATON CORP PLC SHS Stock G29183103   335,818 1,074 SH   SOLE 0 14 0 1,060
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   21,078,542 205,124 SH   SOLE 0 11,125 0 193,999
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   918,796 10,069 SH   SOLE 0 0 0 10,069
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   376,162 3,180 SH   SOLE 0 0 0 3,180
VANGUARD MEGA CAP GROWTH ETF ETF 921910816   710,220 2,478 SH   SOLE 0 2,210 0 268
VANGUARD MEGA CAP ETF ETF 921910873   1,805,351 9,661 SH   SOLE 0 0 0 9,661
SPDR DOW JONES REIT ETF ETF 78464A607   253,627 2,691 SH   SOLE 0 1,918 0 773
SPDR S&P INTERNATIONAL DIVIDEND ETF ETF 78463X772   851,931 24,237 SH   SOLE 0 15,391 0 8,846
EXXON MOBIL CORP COM Stock 30231G102   964,327 8,296 SH   SOLE 0 1,000 0 7,296
UNITEDHEALTH GROUP INC COM Stock 91324P102   330,954 669 SH   SOLE 0 74 0 595
LOWES COS INC COM Stock 548661107   825,325 3,240 SH   SOLE 0 0 0 3,240
COLGATE PALMOLIVE CO COM Stock 194162103   416,571 4,626 SH   SOLE 0 2,000 0 2,626
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   4,152,207 115,854 SH   SOLE 0 18,197 0 97,657
ISHARES CORE S&P MID-CAP ETF ETF 464287507   210,160 3,460 SH   SOLE 0 0 0 3,460
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   17,467,120 345,200 SH   SOLE 0 33,737 0 311,463
ISHARES MSCI EAFE ETF ETF 464287465   15,192,550 190,240 SH   SOLE 0 1,214 0 189,025
APPLE INC COM Stock 037833100   2,285,485 13,328 SH   SOLE 0 3,543 0 9,785
DISNEY WALT CO COM Stock 254687106   263,931 2,157 SH   SOLE 0 375 0 1,782
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   220,006 1,991 SH   SOLE 0 0 0 1,991
ISHARES RUSSELL 1000 ETF ETF 464287622   857,465 2,977 SH   SOLE 0 2,204 0 773
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   427,715 2,388 SH   SOLE 0 1,285 0 1,103