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 222 1,715 SH   SOLE   0 0 1,715
ABBOTT LABS COM 002824100 277 2,549 SH   SOLE   0 0 2,549
ABBVIE INC COM 00287Y109 569 3,717 SH   SOLE   0 0 3,717
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 685 2,467 SH   SOLE   0 0 2,467
ADOBE SYSTEMS INCORPORATED COM 00724F101 415 1,135 SH   SOLE   0 0 1,135
ADVANCED MICRO DEVICES INC COM 007903107 225 2,946 SH   SOLE   0 0 2,946
ALPHABET INC CAP STK CL A 02079K305 1,066 489 SH   SOLE   0 0 489
ALPHABET INC CAP STK CL C 02079K107 490 224 SH   SOLE   0 0 224
AMAZON COM INC COM 023135106 1,006 9,473 SH   SOLE   0 0 9,473
APPLE INC COM 037833100 3,279 23,980 SH   SOLE   0 0 23,980
AT&T INC COM 00206R102 369 17,590 SH   SOLE   0 0 17,590
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,046 3,831 SH   SOLE   0 0 3,831
BK OF AMERICA CORP COM 060505104 311 9,976 SH   SOLE   0 0 9,976
CHEVRON CORP NEW COM 166764100 241 1,668 SH   SOLE   0 0 1,668
CHURCH & DWIGHT CO INC COM 171340102 637 6,876 SH   SOLE   0 0 6,876
CISCO SYS INC COM 17275R102 641 15,026 SH   SOLE   0 0 15,026
COCA COLA CO COM 191216100 445 7,078 SH   SOLE   0 0 7,078
COMCAST CORP NEW CL A 20030N101 267 6,800 SH   SOLE   0 0 6,800
COSTCO WHSL CORP NEW COM 22160K105 1,580 3,297 SH   SOLE   0 0 3,297
CSX CORP COM 126408103 305 10,492 SH   SOLE   0 0 10,492
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 6,884 295,459 SH   SOLE   0 0 295,459
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1,017 47,429 SH   SOLE   0 0 47,429
DOMINION ENERGY INC COM 25746U109 269 3,374 SH   SOLE   0 0 3,374
DUKE ENERGY CORP NEW COM NEW 26441C204 368 3,430 SH   SOLE   0 0 3,430
EXXON MOBIL CORP COM 30231G102 843 9,842 SH   SOLE   0 0 9,842
HOME DEPOT INC COM 437076102 1,813 6,610 SH   SOLE   0 0 6,610
HONEYWELL INTL INC COM 438516106 519 2,986 SH   SOLE   0 0 2,986
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 2,003 108,118 SH   SOLE   0 0 108,118
INVESCO QQQ TR UNIT SER 1 00461E107 11,395 40,657 SH   SOLE   0 0 40,657
ISHARES TR BLACKROCK ULTRA 46434V878 1,057 21,120 SH   SOLE   0 0 21,120
ISHARES TR CORE MSCI INTL 46435G326 4,950 92,105 SH   SOLE   0 0 92,105
ISHARES TR IBOXX HI YD ETF 464288513 502 6,818 SH   SOLE   0 0 6,818
ISHARES TR IBOXX INV CP ETF 464287242 21,581 196,138 SH   SOLE   0 0 196,138
ISHARES TR TIPS BD ETF 464287176 4,141 36,357 SH   SOLE   0 0 36,357
ISHARES TR SHRT NAT MUN ETF 464288158 219 2,096 SH   SOLE   0 0 2,096
ISHARES TR NATIONAL MUN ETF 464288414 3,744 35,203 SH   SOLE   0 0 35,203
ISHARES TR MSCI USA VALUE 46432F388 403 4,452 SH   SOLE   0 0 4,452
ISHARES TR CORE S&P500 ETF 464287200 7,695 20,296 SH   SOLE   0 0 20,296
ISHARES TR MSCI INTL VLU FT 46435G409 1,525 68,734 SH   SOLE   0 0 68,734
ISHARES U S ETF TR INT RT HDG C B 46431W705 3,860 42,769 SH   SOLE   0 0 42,769
JOHNSON & JOHNSON COM 478160104 530 2,986 SH   SOLE   0 0 2,986
JPMORGAN CHASE & CO COM 46625H100 706 6,267 SH   SOLE   0 0 6,267
LEIDOS HOLDINGS INC COM 525327102 207 2,058 SH   SOLE   0 0 2,058
LILLY ELI & CO COM 532457108 209 646 SH   SOLE   0 0 646
LOCKHEED MARTIN CORP COM 539830109 469 1,091 SH   SOLE   0 0 1,091
MASTERCARD INCORPORATED CL A 57636Q104 1,359 4,306 SH   SOLE   0 0 4,306
MCDONALDS CORP COM 580135101 321 1,301 SH   SOLE   0 0 1,301
MERCK & CO INC COM 58933Y105 695 7,622 SH   SOLE   0 0 7,622
META PLATFORMS INC CL A 30303M102 296 1,835 SH   SOLE   0 0 1,835
MICROSOFT CORP COM 594918104 2,446 9,522 SH   SOLE   0 0 9,522
MOODYS CORP COM 615369105 239 880 SH   SOLE   0 0 880
NIKE INC CL B 654106103 311 3,045 SH   SOLE   0 0 3,045
NOVO-NORDISK A S ADR 670100205 479 4,302 SH   SOLE   0 0 4,302
NVIDIA CORPORATION COM 67066G104 495 3,263 SH   SOLE   0 0 3,263
OKTA INC CL A 679295105 313 3,466 SH   SOLE   0 0 3,466
PALANTIR TECHNOLOGIES INC CL A 69608A108 92 10,139 SH   SOLE   0 0 10,139
PEPSICO INC COM 713448108 289 1,736 SH   SOLE   0 0 1,736
PFIZER INC COM 717081103 262 4,994 SH   SOLE   0 0 4,994
PNC FINL SVCS GROUP INC COM 693475105 554 3,510 SH   SOLE   0 0 3,510
PROCTER AND GAMBLE CO COM 742718109 301 2,095 SH   SOLE   0 0 2,095
PROSHARES TR INVT INT RT HG 74347B607 351 5,075 SH   SOLE   0 0 5,075
QUANTUM SI INC COM CL A 74765K105 86 37,000 SH   SOLE   0 0 37,000
SOUTHERN CO COM 842587107 679 9,521 SH   SOLE   0 0 9,521
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 6,567 188,865 SH   SOLE   0 0 188,865
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,919 170,546 SH   SOLE   0 0 170,546
SPDR S&P 500 ETF TR TR UNIT 78462F103 462 1,225 SH   SOLE   0 0 1,225
SPDR SER TR BLOOMBERG HIGH Y 78468R622 4,770 52,585 SH   SOLE   0 0 52,585
STARBUCKS CORP COM 855244109 324 4,241 SH   SOLE   0 0 4,241
TESLA INC COM 88160R101 744 1,105 SH   SOLE   0 0 1,105
UNITED PARCEL SERVICE INC CL B 911312106 552 3,025 SH   SOLE   0 0 3,025
UNITEDHEALTH GROUP INC COM 91324P102 472 918 SH   SOLE   0 0 918
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,843 117,494 SH   SOLE   0 0 117,494
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,197 54,662 SH   SOLE   0 0 54,662
VANGUARD BD INDEX FDS INTERMED TERM 921937819 5,228 67,332 SH   SOLE   0 0 67,332
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 7,611 153,624 SH   SOLE   0 0 153,624
VANGUARD INDEX FDS SM CP VAL ETF 922908611 453 3,023 SH   SOLE   0 0 3,023
VANGUARD INDEX FDS LARGE CAP ETF 922908637 4,098 23,778 SH   SOLE   0 0 23,778
VANGUARD INDEX FDS GROWTH ETF 922908736 2,167 9,724 SH   SOLE   0 0 9,724
VANGUARD INDEX FDS TOTAL STK MKT 922908769 28,288 149,972 SH   SOLE   0 0 149,972
VANGUARD INDEX FDS MID CAP ETF 922908629 9,182 46,614 SH   SOLE   0 0 46,614
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,203 52,257 SH   SOLE   0 0 52,257
VANGUARD INDEX FDS VALUE ETF 922908744 9,508 72,094 SH   SOLE   0 0 72,094
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,328 69,454 SH   SOLE   0 0 69,454
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,297 22,259 SH   SOLE   0 0 22,259
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 13,260 155,374 SH   SOLE   0 0 155,374
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,318 55,645 SH   SOLE   0 0 55,645
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 431 8,603 SH   SOLE   0 0 8,603
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,783 55,759 SH   SOLE   0 0 55,759
VANGUARD STAR FDS VG TL INTL STK F 921909768 5,777 111,939 SH   SOLE   0 0 111,939
VERIZON COMMUNICATIONS INC COM 92343V104 325 6,395 SH   SOLE   0 0 6,395
VISA INC COM CL A 92826C839 682 3,463 SH   SOLE   0 0 3,463
WALMART INC COM 931142103 724 5,951 SH   SOLE   0 0 5,951
WASTE MGMT INC DEL COM 94106L109 363 2,374 SH   SOLE   0 0 2,374