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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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
AMAZON COM INC STOCK 023135106   611,184 7,276 SH   SOLE   0 0 7,276
APPLE INC STOCK 037833100   1,113,225 8,568 SH   SOLE   0 0 8,568
BANK AMERICA CORP STOCK 060505104   274,035 8,274 SH   SOLE   0 0 8,274
BERKSHIRE HATHAWAY INC DEL STOCK 084670702   265,654 860 SH   SOLE   0 0 860
COCA COLA CO STOCK 191216100   3,797,026 59,692 SH   SOLE   0 0 59,692
GENERAL ELECTRIC CO STOCK 369604301   279,255 3,333 SH   SOLE   0 0 3,333
HOME DEPOT INC STOCK 437076102   1,016,293 3,218 SH   SOLE   0 0 3,218
ISHARES TR ETF 464287200   4,413,976 11,488 SH   SOLE   0 0 11,488
ISHARES TR ETF 464287226   533,186 5,497 SH   SOLE   0 0 5,497
ISHARES TR ETF 464287309   431,189 7,371 SH   SOLE   0 0 7,371
ISHARES TR ETF 464287465   301,909 4,599 SH   SOLE   0 0 4,599
ISHARES TR ETF 464287598   320,778 2,115 SH   SOLE   0 0 2,115
ISHARES TR ETF 464287622   628,132 2,984 SH   SOLE   0 0 2,984
ISHARES TR ETF 464287689   1,266,483 5,739 SH   SOLE   0 0 5,739
ISHARES TR ETF 464287788   226,410 3,000 SH   SOLE   0 0 3,000
ISHARES TR ETF 464287804   1,859,753 19,651 SH   SOLE   0 0 19,651
ISHARES TR ETF 464288109   784,052 12,400 SH   SOLE   0 0 12,400
ISHARES TR ETF 464288885   234,640 2,801 SH   SOLE   0 0 2,801
JOHNSON & JOHNSON STOCK 478160104   531,525 3,009 SH   SOLE   0 0 3,009
LILLY ELI & CO STOCK 532457108   227,918 623 SH   SOLE   0 0 623
LOWES COS INC STOCK 548661107   1,558,057 7,820 SH   SOLE   0 0 7,820
MICROSOFT CORP STOCK 594918104   735,025 3,065 SH   SOLE   0 0 3,065
PEPSICO INC STOCK 713448108   318,074 1,761 SH   SOLE   0 0 1,761
PFIZER INC STOCK 717081103   281,421 5,492 SH   SOLE   0 0 5,492
PROCTER AND GAMBLE CO STOCK 742718109   747,494 4,932 SH   SOLE   0 0 4,932
SCHWAB STRATEGIC TR ETF 808524201   1,204,728 26,683 SH   SOLE   0 0 26,683
SCHWAB STRATEGIC TR ETF 808524409   671,827 10,176 SH   SOLE   0 0 10,176
SCHWAB STRATEGIC TR ETF 808524755   5,073,179 174,516 SH   SOLE   0 0 174,516
SCHWAB STRATEGIC TR ETF 808524763   2,324,819 49,761 SH   SOLE   0 0 49,761
SCHWAB STRATEGIC TR ETF 808524771   4,261,069 79,736 SH   SOLE   0 0 79,736
VANGUARD SPECIALIZED FUNDS ETF 921908844   1,403,126 9,240 SH   SOLE   0 0 9,240
VANGUARD ADMIRAL FDS INC ETF 921932828   2,106,579 12,155 SH   SOLE   0 0 12,155
VANGUARD ADMIRAL FDS INC ETF 921932885   367,924 2,249 SH   SOLE   0 0 2,249
VANGUARD BD INDEX FDS ETF 921937835   366,426 5,101 SH   SOLE   0 0 5,101
VANGUARD TAX-MANAGED FDS ETF 921943858   3,920,219 93,405 SH   SOLE   0 0 93,405
VANGUARD INTL EQUITY INDEX F ETF 922042742   423,685 4,916 SH   SOLE   0 0 4,916
VANGUARD INTL EQUITY INDEX F ETF 922042858   869,216 22,299 SH   SOLE   0 0 22,299
VANGUARD MUN BD FDS ETF 922907746   333,709 6,743 SH   SOLE   0 0 6,743
VANGUARD INDEX FDS ETF 922908363   3,440,294 9,792 SH   SOLE   0 0 9,792
VANGUARD INDEX FDS ETF 922908512   246,813 1,825 SH   SOLE   0 0 1,825
VANGUARD INDEX FDS ETF 922908751   559,177 3,047 SH   SOLE   0 0 3,047
VANGUARD INDEX FDS ETF 922908769   212,561 1,112 SH   SOLE   0 0 1,112
WELLS FARGO CO NEW STOCK 949746101   226,256 5,480 SH   SOLE   0 0 5,480
ALPHABET INC STOCK 02079K107   257,317 2,900 SH   SOLE   0 0 2,900
ALPHABET INC STOCK 02079K305   226,839 2,571 SH   SOLE   0 0 2,571
DIMENSIONAL ETF TRUST ETF 25434V740   2,035,860 90,042 SH   SOLE   0 0 90,042
DIMENSIONAL ETF TRUST ETF 25434V807   2,016,352 66,327 SH   SOLE   0 0 66,327
EXXON MOBIL CORP STOCK 30231G102   547,551 4,964 SH   SOLE   0 0 4,964
INVESCO EXCHANGE TRADED FD T ETF 46137V431   245,453 2,972 SH   SOLE   0 0 2,972
INVESCO EXCHANGE TRADED FD T ETF 46137V597   755,664 4,770 SH   SOLE   0 0 4,770
INVESCO EXCHANGE TRADED FD T ETF 46137V613   1,068,376 6,886 SH   SOLE   0 0 6,886
INVESCO EXCH TRADED FD TR II ETF 46138E743   2,973,497 71,582 SH   SOLE   0 0 71,582
ISHARES TR ETF 46432F834   2,027,207 35,024 SH   SOLE   0 0 35,024
ISHARES TR ETF 46432F842   566,142 9,185 SH   SOLE   0 0 9,185
ISHARES INC ETF 46434G103   844,488 18,083 SH   SOLE   0 0 18,083
ISHARES TR ETF 46435G326   993,363 17,745 SH   SOLE   0 0 17,745
J P MORGAN EXCHANGE TRADED F ETF 46641Q837   3,545,845 70,733 SH   SOLE   0 0 70,733
LITMAN GREGORY FDS TR ETF 53700T827   607,904 20,883 SH   SOLE   0 0 20,883
MERCK & CO INC STOCK 58933Y105   231,109 2,083 SH   SOLE   0 0 2,083
NOV INC STOCK 62955J103   240,089 11,493 SH   SOLE   0 0 11,493
NORTHERN LTS FD TR III ETF 66538R631   1,873,826 89,931 SH   SOLE   0 0 89,931
SPDR S&P 500 ETF TR ETF 78462F103   254,724 666 SH   SOLE   0 0 666
SSGA ACTIVE ETF TR ETF 78467V400   285,115 7,591 SH   SOLE   0 0 7,591
SELECT SECTOR SPDR TR ETF 81369Y506   410,759 4,696 SH   SOLE   0 0 4,696
TRUIST FINL CORP STOCK 89832Q109   500,209 11,625 SH   SOLE   0 0 11,625
UNITEDHEALTH GROUP INC STOCK 91324P102   596,983 1,126 SH   SOLE   0 0 1,126
VANGUARD SCOTTSDALE FDS ETF 92206C102   5,606,672 96,968 SH   SOLE   0 0 96,968
WISDOMTREE TR ETF 97717X669   1,683,949 27,898 SH   SOLE   0 0 27,898
ACCENTURE PLC IRELAND STOCK G1151C101   252,164 945 SH   SOLE   0 0 945