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
CSX CORP COM 126408103   678,187 16,521 SH   SOLE   0 0 16,521
APPLE INC COM 037833100   1,874,493 7,386 SH   SOLE 1 0 0 7,386
ISHARES TR CORE INTL AGGR 46435G672   18,348,867 366,684 SH   SOLE 1 0 0 366,684
ISHARES TR CORE S&P500 ETF 464287200   3,697,822 5,661 SH   SOLE 1 0 0 5,661
ISHARES TR RUS MID CAP ETF 464287499   995,149 10,235 SH   SOLE 1 0 0 10,235
ISHARES TR RUS TOP 200 ETF 464289446   2,866,630 17,863 SH   SOLE 1 0 0 17,863
ISHARES TR S&P 500 VAL ETF 464287408   1,362,129 6,451 SH   SOLE 1 0 0 6,451
ISHARES TR CORE UNIVRSL USD 46434V613   133,823,978 2,897,250 SH   SOLE 1 0 0 2,897,250
ISHARES TR RUS MD CP GR ETF 464287481   342,721 2,675 SH   SOLE 1 0 0 2,675
ISHARES TR RUS TP200 GR ETF 464289438   1,724,959 6,932 SH   SOLE 1 0 0 6,932
ISHARES TR RUSSELL 3000 ETF 464287689   541,934 1,462 SH   SOLE 1 0 0 1,462
ISHARES TR S&P 500 GRWT ETF 464287309   3,930,573 34,750 SH   SOLE 1 0 0 34,750
SOUTHERN CO COM 842587107   688,381 7,132 SH   SOLE   0 0 7,132
PIMCO ETF TR MULTISECTOR BD 72201R585   25,857,409 986,924 SH   SOLE 1 0 0 986,924
PIMCO ETF TR MUNI INCOME OPP 72201R635   2,114,995 46,823 SH   SOLE 1 0 0 46,823
MCDONALDS CORP COM 580135101   512,493 1,649 SH   SOLE   0 0 1,649
EXXON MOBIL CORP COM 30231G102   256,865 1,514 SH   SOLE   0 0 1,514
TRUIST FINL CORP COM 89832Q109   466,228 10,142 SH   SOLE   0 0 10,142
VANGUARD WORLD FD MEGA CAP INDEX 921910873   432,521 1,830 SH   SOLE 1 0 0 1,830
VANGUARD WORLD FD MEGA GRWTH IND 921910816   314,161 855 SH   SOLE 1 0 0 855
SPDR INDEX SHS FDS STATE STREET SPD 78463X509   5,881,952 125,388 SH   SOLE 1 0 0 125,388
SPDR INDEX SHS FDS STATE STREET SPD 78463X889   17,525,446 383,909 SH   SOLE 1 0 0 383,909
VANGUARD INDEX FDS VALUE ETF 922908744   397,894 2,028 SH   SOLE 1 0 0 2,028
VANGUARD INDEX FDS GROWTH ETF 922908736   537,688 1,231 SH   SOLE 1 0 0 1,231
VANGUARD INDEX FDS MID CAP ETF 922908629   22,459,486 78,207 SH   SOLE 1 0 0 78,207
VANGUARD INDEX FDS SMALL CP ETF 922908751   12,023,175 45,904 SH   SOLE 1 0 0 45,904
VANGUARD INDEX FDS LARGE CAP ETF 922908637   128,226,075 429,065 SH   SOLE 1 0 0 429,065
VANGUARD INDEX FDS TOTAL STK MKT 922908769   609,539 1,900 SH   SOLE 1 0 0 1,900
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   216,313 362 SH   SOLE 1 0 0 362
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   22,472,374 386,256 SH   SOLE 1 0 0 386,256
DOMINION ENERGY INC COM 25746U109   1,246,229 20,159 SH   SOLE 1 0 0 20,159
JPMORGAN CHASE & CO COM 46625H100   218,855 744 SH   SOLE   0 0 744
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   2,435,428 97,029 SH   SOLE 1 0 0 97,029
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   655,589 25,569 SH   SOLE 1 0 0 25,569
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,774,079 75,648 SH   SOLE 1 0 0 75,648
DUKE ENERGY CORP NEW COM NEW 26441C204   349,872 2,672 SH   SOLE   0 0 2,672
LOCKHEED MARTIN CORP COM 539830109   231,481 383 SH   SOLE   0 0 383
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   11,161,296 131,557 SH   SOLE 1 0 0 131,557
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   762,934 16,909 SH   SOLE   0 0 16,909
UNITED PARCEL SVCS INC CL B 911312106   264,642 2,690 SH   SOLE   0 0 2,690
BRISTOL-MYERS SQUIBB CO COM 110122108   206,392 3,403 SH   SOLE   0 0 3,403
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   394,382 823 SH   SOLE   0 0 823
INTERNATIONAL BUSINESS MACHS COM 459200101   225,907 932 SH   SOLE   0 0 932
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   3,593,128 5,525 SH   SOLE 1 0 0 5,525