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
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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
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   11,443,550 139,013 SH   SOLE 1 0 0 139,013
APPLE INC COM 037833100   2,007,958 7,386 SH   SOLE 1 0 0 7,386
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   379,501 755 SH   SOLE   0 0 755
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   23,379,013 384,460 SH   SOLE 1 0 0 384,460
CSX CORP COM 126408103   598,886 16,521 SH   SOLE   0 0 16,521
DOMINION ENERGY INC COM 25746U109   1,183,050 20,192 SH   SOLE 1 0 0 20,192
DUKE ENERGY CORP NEW COM NEW 26441C204   313,185 2,672 SH   SOLE   0 0 2,672
INTERNATIONAL BUSINESS MACHS COM 459200101   276,068 932 SH   SOLE   0 0 932
ISHARES TR CORE S&P500 ETF 464287200   3,877,445 5,661 SH   SOLE 1 0 0 5,661
ISHARES TR S&P 500 GRWT ETF 464287309   4,350,585 35,296 SH   SOLE 1 0 0 35,296
ISHARES TR S&P 500 VAL ETF 464287408   1,402,631 6,614 SH   SOLE 1 0 0 6,614
ISHARES TR RUS MD CP GR ETF 464287481   367,273 2,682 SH   SOLE 1 0 0 2,682
ISHARES TR RUS MID CAP ETF 464287499   988,885 10,272 SH   SOLE 1 0 0 10,272
ISHARES TR RUSSELL 3000 ETF 464287689   565,575 1,462 SH   SOLE 1 0 0 1,462
ISHARES TR RUS TP200 GR ETF 464289438   1,933,872 6,983 SH   SOLE 1 0 0 6,983
ISHARES TR RUS TOP 200 ETF 464289446   3,082,431 18,065 SH   SOLE 1 0 0 18,065
ISHARES TR CORE UNIVRSL USD 46434V613   131,760,325 2,831,120 SH   SOLE 1 0 0 2,831,120
ISHARES TR CORE INTL AGGR 46435G672   17,543,808 350,806 SH   SOLE 1 0 0 350,806
JPMORGAN CHASE & CO. COM 46625H100   239,732 744 SH   SOLE   0 0 744
MICROSOFT CORP COM 594918104   219,080 453 SH   SOLE   0 0 453
PIMCO ETF TR MULTISECTOR BD 72201R585   25,714,797 963,823 SH   SOLE 1 0 0 963,823
PIMCO ETF TR MUNI INCOME OPP 72201R635   1,916,855 42,296 SH   SOLE 1 0 0 42,296
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,790,112 5,558 SH   SOLE 1 0 0 5,558
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,956,526 127,249 SH   SOLE 1 0 0 127,249
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   17,769,507 400,124 SH   SOLE 1 0 0 400,124
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,545,123 97,031 SH   SOLE 1 0 0 97,031
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   690,807 25,671 SH   SOLE 1 0 0 25,671
TRUIST FINL CORP COM 89832Q109   499,088 10,142 SH   SOLE   0 0 10,142
UNITED PARCEL SERVICE INC CL B 911312106   266,821 2,690 SH   SOLE   0 0 2,690
VANGUARD WORLD FD MEGA GRWTH IND 921910816   352,918 855 SH   SOLE 1 0 0 855
VANGUARD WORLD FD MEGA CAP INDEX 921910873   477,223 1,900 SH   SOLE 1 0 0 1,900
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,504,660 69,689 SH   SOLE 1 0 0 69,689
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   214,478 342 SH   SOLE 1 0 0 342
VANGUARD INDEX FDS MID CAP ETF 922908629   22,275,255 76,753 SH   SOLE 1 0 0 76,753
VANGUARD INDEX FDS LARGE CAP ETF 922908637   134,242,367 426,437 SH   SOLE 1 0 0 426,437
VANGUARD INDEX FDS GROWTH ETF 922908736   600,556 1,231 SH   SOLE 1 0 0 1,231
VANGUARD INDEX FDS VALUE ETF 922908744   396,113 2,074 SH   SOLE 1 0 0 2,074
VANGUARD INDEX FDS SMALL CP ETF 922908751   12,056,841 46,741 SH   SOLE 1 0 0 46,741
VANGUARD INDEX FDS TOTAL STK MKT 922908769   636,677 1,899 SH   SOLE 1 0 0 1,899