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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   475,966 2,780 SH   SOLE   0 0 2,780
ASBURY AUTOMOTIVE GROUP INC COM 043436104   1,215,690 5,284 SH   SOLE   0 0 5,284
FIRST TR MORNINGSTAR DIVID L SHS 336917109   810,468 24,236 SH   SOLE   0 0 24,236
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,036,045 10,349 SH   SOLE   0 0 10,349
ISHARES TR CORE S&P500 ETF 464287200   915,527 2,132 SH   SOLE   0 0 2,132
ISHARES TR MSCI EMG MKT ETF 464287234   406,484 10,711 SH   SOLE   0 0 10,711
ISHARES TR MSCI EAFE ETF 464287465   304,817 4,423 SH   SOLE   0 0 4,423
ISHARES TR RUS 1000 GRW ETF 464287614   590,201 2,219 SH   SOLE   0 0 2,219
ISHARES TR RUS 1000 ETF 464287622   1,155,923 4,921 SH   SOLE   0 0 4,921
ISHARES TR RUSSELL 2000 ETF 464287655   845,998 4,787 SH   SOLE   0 0 4,787
ISHARES TR RUSSELL 3000 ETF 464287689   490,729 2,002 SH   SOLE   0 0 2,002
MICROSOFT CORP COM 594918104   922,355 2,921 SH   SOLE   0 0 2,921
NEWELL BRANDS INC COM 651229106   364,226 40,335 SH   SOLE   0 0 40,335
NUVEEN MUN VALUE FD INC COM 670928100   143,586 17,383 SH   SOLE   0 0 17,383
PFIZER INC COM 717081103   509,259 15,353 SH   SOLE   0 0 15,353
PIONEER MUNICIPAL HIGH INCOM COM SHS 723763108   78,879 10,910 SH   SOLE   0 0 10,910
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   387,494 7,773 SH   SOLE   0 0 7,773
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   7,177,760 106,054 SH   SOLE   0 0 106,054
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   5,935,048 143,289 SH   SOLE   0 0 143,289
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,716,944 155,261 SH   SOLE   0 0 155,261
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   8,262,927 243,313 SH   SOLE   0 0 243,313
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,320,352 29,852 SH   SOLE   0 0 29,852
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   255,749 5,340 SH   SOLE   0 0 5,340
TANGER FACTORY OUTLET CTRS I COM 875465106   1,849,607 81,841 SH   SOLE   0 0 81,841
TEMPLETON GLOBAL INCOME FD COM 880198106   179,851 46,593 SH   SOLE   0 0 46,593
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   349,362 2,248 SH   SOLE   0 0 2,248
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   446,070 3,000 SH   SOLE   0 0 3,000
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,882,778 41,312 SH   SOLE   0 0 41,312
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,109,558 48,252 SH   SOLE   0 0 48,252
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,068,384 10,341 SH   SOLE   0 0 10,341
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,564,652 30,165 SH   SOLE   0 0 30,165
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   449,580 11,466 SH   SOLE   0 0 11,466
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   934,911 2,381 SH   SOLE   0 0 2,381
VANGUARD INDEX FDS SML CP GRW ETF 922908595   234,802 1,096 SH   SOLE   0 0 1,096
VANGUARD INDEX FDS SM CP VAL ETF 922908611   478,017 2,997 SH   SOLE   0 0 2,997
VANGUARD INDEX FDS MID CAP ETF 922908629   1,812,221 8,703 SH   SOLE   0 0 8,703
VANGUARD INDEX FDS GROWTH ETF 922908736   2,874,400 10,556 SH   SOLE   0 0 10,556
VANGUARD INDEX FDS VALUE ETF 922908744   5,373,910 38,961 SH   SOLE   0 0 38,961
VANGUARD INDEX FDS SMALL CP ETF 922908751   934,920 4,945 SH   SOLE   0 0 4,945
INVESCO QQQ TR UNIT SER 1 46090E103   2,659,406 7,423 SH   SOLE   0 0 7,423
ARES CAPITAL CORP NOTE 4.625% 3/0 04010LAW3   12,350 12,000 SH   SOLE   0 0 12,000
BOOKING HOLDINGS INC NOTE 0.750% 5/0 09857LAN8   16,861 10,000 SH   SOLE   0 0 10,000
ABRDN NATL MUN INCOME FD SH BEN INT 24610T108   342,231 39,748 SH   SOLE   0 0 39,748
EURONET WORLDWIDE INC NOTE 0.750% 3/1 298736AL3   12,838 14,000 SH   SOLE   0 0 14,000
EXPEDIA GROUP INC NOTE 2/1 30212PBE4   8,748 10,000 SH   SOLE   0 0 10,000
GLOBAL X FDS GENOMIC BIOTECH 37954Y434   735,234 72,294 SH   SOLE   0 0 72,294
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   22,640,700 159,790 SH   SOLE   0 0 159,790
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   281,880 8,859 SH   SOLE   0 0 8,859
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   1,030,193 6,989 SH   SOLE   0 0 6,989
ISHARES TR CORE MSCI TOTAL 46432F834   2,957,015 49,292 SH   SOLE   0 0 49,292
ISHARES INC CORE MSCI EMKT 46434G103   631,805 13,276 SH   SOLE   0 0 13,276
ISHARES TR IBONDS DEC25 ETF 46434VBD1   1,000,390 41,050 SH   SOLE   0 0 41,050
ISHARES TR IBONDS DEC24 ETF 46434VBG4   898,012 36,313 SH   SOLE   0 0 36,313
ISHARES TR IBONDS DEC2026 46435GAA0   1,349,375 57,826 SH   SOLE   0 0 57,826
ISHARES TR IBONDS 25 TRM HG 46435U168   267,511 11,666 SH   SOLE   0 0 11,666
ISHARES TR IBONDS 24 TRM HG 46435U184   563,792 24,301 SH   SOLE   0 0 24,301
ISHARES TR IBONDS 27 ETF 46435UAA9   722,161 31,208 SH   SOLE   0 0 31,208
ISHARES TR IBONDS 2026 TERM 46436E528   357,820 15,882 SH   SOLE   0 0 15,882
NUVEEN SELECT MAT MUN FD SH BEN INT 67061T101   109,298 12,904 SH   SOLE   0 0 12,904
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100   251,770 18,930 SH   SOLE   0 0 18,930
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,691,749 8,636 SH   SOLE   0 0 8,636
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,765,029 29,774 SH   SOLE   0 0 29,774
SPDR SER TR PORTFOLI S&P1500 78464A805   303,365 5,779 SH   SOLE   0 0 5,779
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   208,776 4,979 SH   SOLE   0 0 4,979
SPDR SER TR NUVEEN BLMBRG SH 78468R739   352,329 7,621 SH   SOLE   0 0 7,621
SPDR SER TR PORTFOLIO S&P600 78468R853   857,914 23,250 SH   SOLE   0 0 23,250
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,909,391 25,408 SH   SOLE   0 0 25,408
WESTERN DIGITAL CORP. NOTE 1.500% 2/0 958102AP0   14,797 15,000 SH   SOLE   0 0 15,000
WISDOMTREE TR EM EX ST-OWNED 97717X578   277,463 10,404 SH   SOLE   0 0 10,404