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 255 1,715 SH   SOLE   0 0 1,715
ABBOTT LABS COM 002824100 304 2,567 SH   SOLE   0 0 2,567
ABBVIE INC COM 00287Y109 619 3,819 SH   SOLE   0 0 3,819
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 875 2,594 SH   SOLE   0 0 2,594
ADOBE SYSTEMS INCORPORATED COM 00724F101 537 1,178 SH   SOLE   0 0 1,178
ADVANCED MICRO DEVICES INC COM 007903107 322 2,946 SH   SOLE   0 0 2,946
ALPHABET INC CAP STK CL A 02079K305 1,396 502 SH   SOLE   0 0 502
ALPHABET INC CAP STK CL C 02079K107 626 224 SH   SOLE   0 0 224
AMAZON COM INC COM 023135106 1,659 509 SH   SOLE   0 0 509
APPLE INC COM 037833100 3,334 19,094 SH   SOLE   0 0 19,094
APPLIED MATLS INC COM 038222105 201 1,522 SH   SOLE   0 0 1,522
AT&T INC COM 00206R102 432 18,291 SH   SOLE   0 0 18,291
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,374 3,892 SH   SOLE   0 0 3,892
BK OF AMERICA CORP COM 060505104 411 9,976 SH   SOLE   0 0 9,976
BROADCOM INC COM 11135F101 240 381 SH   SOLE   0 0 381
CHEVRON CORP NEW COM 166764100 263 1,618 SH   SOLE   0 0 1,618
CHURCH & DWIGHT CO INC COM 171340102 683 6,876 SH   SOLE   0 0 6,876
CISCO SYS INC COM 17275R102 832 14,920 SH   SOLE   0 0 14,920
COCA COLA CO COM 191216100 457 7,379 SH   SOLE   0 0 7,379
COMCAST CORP NEW CL A 20030N101 310 6,627 SH   SOLE   0 0 6,627
COSTCO WHSL CORP NEW COM 22160K105 2,039 3,541 SH   SOLE   0 0 3,541
CSX CORP COM 126408103 410 10,942 SH   SOLE   0 0 10,942
DICKS SPORTING GOODS INC COM 253393102 206 2,057 SH   SOLE   0 0 2,057
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1,183 47,429 SH   SOLE   0 0 47,429
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 8,149 295,459 SH   SOLE   0 0 295,459
DISNEY WALT CO COM 254687106 267 1,943 SH   SOLE   0 0 1,943
DOMINION ENERGY INC COM 25746U109 285 3,352 SH   SOLE   0 0 3,352
DUKE ENERGY CORP NEW COM NEW 26441C204 421 3,769 SH   SOLE   0 0 3,769
EXXON MOBIL CORP COM 30231G102 813 9,842 SH   SOLE   0 0 9,842
HOME DEPOT INC COM 437076102 1,995 6,666 SH   SOLE   0 0 6,666
HONEYWELL INTL INC COM 438516106 599 3,077 SH   SOLE   0 0 3,077
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 3,527 156,014 SH   SOLE   0 0 156,014
INVESCO QQQ TR UNIT SER 1 00461E107 15,013 41,411 SH   SOLE   0 0 41,411
ISHARES TR BLACKROCK ULTRA 46434V878 1,051 20,960 SH   SOLE   0 0 20,960
ISHARES TR CORE MSCI INTL 46435G326 5,861 92,105 SH   SOLE   0 0 92,105
ISHARES TR IBOXX INV CP ETF 464287242 27,318 225,879 SH   SOLE   0 0 225,879
ISHARES TR MSCI USA VALUE 46432F388 466 4,452 SH   SOLE   0 0 4,452
ISHARES TR SHRT NAT MUN ETF 464288158 219 2,096 SH   SOLE   0 0 2,096
ISHARES TR NATIONAL MUN ETF 464288414 5,952 54,283 SH   SOLE   0 0 54,283
ISHARES TR TIPS BD ETF 464287176 1,556 12,493 SH   SOLE   0 0 12,493
ISHARES TR CORE S&P500 ETF 464287200 8,888 19,591 SH   SOLE   0 0 19,591
ISHARES TR MSCI INTL VLU FT 46435G409 1,749 68,734 SH   SOLE   0 0 68,734
ISHARES U S ETF TR INT RT HDG C B 46431W705 680 7,269 SH   SOLE   0 0 7,269
JOHNSON & JOHNSON COM 478160104 519 2,927 SH   SOLE   0 0 2,927
JPMORGAN CHASE & CO COM 46625H100 880 6,455 SH   SOLE   0 0 6,455
LEIDOS HOLDINGS INC COM 525327102 222 2,058 SH   SOLE   0 0 2,058
LOCKHEED MARTIN CORP COM 539830109 508 1,150 SH   SOLE   0 0 1,150
LOWES COS INC COM 548661107 201 996 SH   SOLE   0 0 996
MASTERCARD INCORPORATED CL A 57636Q104 1,635 4,574 SH   SOLE   0 0 4,574
MCDONALDS CORP COM 580135101 330 1,334 SH   SOLE   0 0 1,334
MERCK & CO INC COM 58933Y105 621 7,564 SH   SOLE   0 0 7,564
META PLATFORMS INC CL A 30303M102 416 1,870 SH   SOLE   0 0 1,870
MICRON TECHNOLOGY INC COM 595112103 217 2,784 SH   SOLE   0 0 2,784
MICROSOFT CORP COM 594918104 2,957 9,590 SH   SOLE   0 0 9,590
MOODYS CORP COM 615369105 305 903 SH   SOLE   0 0 903
NIKE INC CL B 654106103 422 3,137 SH   SOLE   0 0 3,137
NOVO-NORDISK A S ADR 670100205 510 4,589 SH   SOLE   0 0 4,589
NVIDIA CORPORATION COM 67066G104 896 3,282 SH   SOLE   0 0 3,282
PALANTIR TECHNOLOGIES INC CL A 69608A108 139 10,139 SH   SOLE   0 0 10,139
PEPSICO INC COM 713448108 295 1,761 SH   SOLE   0 0 1,761
PFIZER INC COM 717081103 265 5,124 SH   SOLE   0 0 5,124
PNC FINL SVCS GROUP INC COM 693475105 702 3,806 SH   SOLE   0 0 3,806
PROCTER AND GAMBLE CO COM 742718109 323 2,115 SH   SOLE   0 0 2,115
PROSHARES TR INVT INT RT HG 74347B607 367 5,075 SH   SOLE   0 0 5,075
QUANTUM SI INC COM CL A 74765K105 173 37,000 SH   SOLE   0 0 37,000
SOUTHERN CO COM 842587107 741 10,216 SH   SOLE   0 0 10,216
SOUTHWEST AIRLS CO COM 844741108 227 4,946 SH   SOLE   0 0 4,946
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 7,888 204,149 SH   SOLE   0 0 204,149
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,386 157,108 SH   SOLE   0 0 157,108
SPDR S&P 500 ETF TR TR UNIT 78462F103 598 1,324 SH   SOLE   0 0 1,324
SPDR SER TR BLOOMBERG HIGH Y 78468R622 6,047 58,998 SH   SOLE   0 0 58,998
STARBUCKS CORP COM 855244109 396 4,352 SH   SOLE   0 0 4,352
TESLA INC COM 88160R101 1,180 1,095 SH   SOLE   0 0 1,095
THERMO FISHER SCIENTIFIC INC COM 883556102 208 353 SH   SOLE   0 0 353
UNION PAC CORP COM 907818108 277 1,013 SH   SOLE   0 0 1,013
UNITED PARCEL SERVICE INC CL B 911312106 696 3,245 SH   SOLE   0 0 3,245
UNITEDHEALTH GROUP INC COM 91324P102 468 918 SH   SOLE   0 0 918
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,993 62,770 SH   SOLE   0 0 62,770
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 786 10,088 SH   SOLE   0 0 10,088
VANGUARD BD INDEX FDS INTERMED TERM 921937819 5,585 68,192 SH   SOLE   0 0 68,192
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 11,074 211,181 SH   SOLE   0 0 211,181
VANGUARD INDEX FDS SM CP VAL ETF 922908611 532 3,021 SH   SOLE   0 0 3,021
VANGUARD INDEX FDS GROWTH ETF 922908736 3,383 11,763 SH   SOLE   0 0 11,763
VANGUARD INDEX FDS LARGE CAP ETF 922908637 4,648 22,295 SH   SOLE   0 0 22,295
VANGUARD INDEX FDS VALUE ETF 922908744 10,709 72,466 SH   SOLE   0 0 72,466
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 7,710 71,143 SH   SOLE   0 0 71,143
VANGUARD INDEX FDS MID CAP ETF 922908629 11,343 47,690 SH   SOLE   0 0 47,690
VANGUARD INDEX FDS SMALL CP ETF 922908751 11,182 52,615 SH   SOLE   0 0 52,615
VANGUARD INDEX FDS TOTAL STK MKT 922908769 33,901 148,905 SH   SOLE   0 0 148,905
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,758 22,259 SH   SOLE   0 0 22,259
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 15,493 152,953 SH   SOLE   0 0 152,953
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,150 46,618 SH   SOLE   0 0 46,618
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 403 7,877 SH   SOLE   0 0 7,877
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,430 105,334 SH   SOLE   0 0 105,334
VANGUARD STAR FDS VG TL INTL STK F 921909768 7,326 122,637 SH   SOLE   0 0 122,637
VERIZON COMMUNICATIONS INC COM 92343V104 352 6,910 SH   SOLE   0 0 6,910
VISA INC COM CL A 92826C839 789 3,558 SH   SOLE   0 0 3,558
WALMART INC COM 931142103 886 5,951 SH   SOLE   0 0 5,951
WASTE MGMT INC DEL COM 94106L109 406 2,562 SH   SOLE   0 0 2,562