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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
3M CO COM 88579Y101   213,027 2,275 SH   SOLE   0 0 2,275
ABBVIE INC COM 00287Y109   436,964 2,931 SH   SOLE   0 0 2,931
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   545,829 1,777 SH   SOLE   0 0 1,777
ALPHABET INC CAP STK CL A 02079K305   531,815 4,064 SH   SOLE   0 0 4,064
ALPHABET INC CAP STK CL C 02079K107   780,816 5,922 SH   SOLE   0 0 5,922
AMAZON COM INC COM 023135106   1,899,000 14,939 SH   SOLE   0 0 14,939
AMGEN INC COM 031162100   349,130 1,299 SH   SOLE   0 0 1,299
APPLE INC COM 037833100   4,103,432 23,967 SH   SOLE   0 0 23,967
AT&T INC COM 00206R102   277,487 18,474 SH   SOLE   0 0 18,474
AUTOMATIC DATA PROCESSING IN COM 053015103   570,929 2,373 SH   SOLE   0 0 2,373
BANK AMERICA CORP COM 060505104   484,651 17,701 SH   SOLE   0 0 17,701
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,478,967 4,222 SH   SOLE   0 0 4,222
BLACKROCK INC COM 09247X101   261,182 404 SH   SOLE   0 0 404
BLACKSTONE INC COM 09260D107   309,324 2,887 SH   SOLE   0 0 2,887
BROADCOM INC COM 11135F101   670,278 807 SH   SOLE   0 0 807
CATERPILLAR INC COM 149123101   205,239 752 SH   SOLE   0 0 752
CATO CORP NEW CL A 149205106   192,520 25,133 SH   SOLE   0 0 25,133
CHEVRON CORP NEW COM 166764100   396,247 2,350 SH   SOLE   0 0 2,350
CISCO SYS INC COM 17275R102   328,880 6,118 SH   SOLE   0 0 6,118
COCA COLA CO COM 191216100   6,493,094 115,990 SH   SOLE   0 0 115,990
COMCAST CORP NEW CL A 20030N101   239,934 5,411 SH   SOLE   0 0 5,411
COSTCO WHSL CORP NEW COM 22160K105   268,033 474 SH   SOLE   0 0 474
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,984,279 60,830 SH   SOLE   0 0 60,830
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   2,227,633 94,112 SH   SOLE   0 0 94,112
DUKE ENERGY CORP NEW COM NEW 26441C204   327,982 3,716 SH   SOLE   0 0 3,716
EATON CORP PLC SHS G29183103   213,493 1,001 SH   SOLE   0 0 1,001
ELI LILLY & CO COM 532457108   405,736 755 SH   SOLE   0 0 755
ENPRO INDS INC COM 29355X107   225,222 1,858 SH   SOLE   0 0 1,858
EXXON MOBIL CORP COM 30231G102   293,550 2,497 SH   SOLE   0 0 2,497
GENERAL ELECTRIC CO COM NEW 369604301   345,163 3,122 SH   SOLE   0 0 3,122
HCA HEALTHCARE INC COM 40412C101   224,334 912 SH   SOLE   0 0 912
HOME DEPOT INC COM 437076102   1,212,430 4,013 SH   SOLE   0 0 4,013
HONEYWELL INTL INC COM 438516106   262,146 1,419 SH   SOLE   0 0 1,419
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   3,092,435 71,041 SH   SOLE   0 0 71,041
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   875,904 26,551 SH   SOLE   0 0 26,551
INVESCO EXCHANGE TRADED FD T LARGE CAP GROWTH 46137V746   247,456 3,650 SH   SOLE   0 0 3,650
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   273,621 2,999 SH   SOLE   0 0 2,999
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   6,229,078 124,482 SH   SOLE   0 0 124,482
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   1,549,113 48,684 SH   SOLE   0 0 48,684
INVESCO QQQ TR UNIT SER 1 46090E103   569,266 1,589 SH   SOLE   0 0 1,589
ISHARES INC CORE MSCI EMKT 46434G103   979,003 20,572 SH   SOLE   0 0 20,572
ISHARES TR CORE MSCI TOTAL 46432F834   2,039,508 33,997 SH   SOLE   0 0 33,997
ISHARES TR CORE MSCI EAFE 46432F842   596,117 9,264 SH   SOLE   0 0 9,264
ISHARES TR US TREAS BD ETF 46429B267   7,886,407 357,822 SH   SOLE   0 0 357,822
ISHARES TR MODERT ALLOC ETF 464289875   203,374 5,224 SH   SOLE   0 0 5,224
ISHARES TR ISHS 1-5YR INVS 464288646   1,063,965 21,352 SH   SOLE   0 0 21,352
ISHARES TR CORE MSCI INTL 46435G326   1,034,405 17,749 SH   SOLE   0 0 17,749
ISHARES TR MSCI USA QLT FCT 46432F339   325,033 2,466 SH   SOLE   0 0 2,466
ISHARES TR 0-5YR HI YL CP 46434V407   3,057,268 74,513 SH   SOLE   0 0 74,513
ISHARES TR BLACKROCK ULTRA 46434V878   3,670,200 72,850 SH   SOLE   0 0 72,850
ISHARES TR CORE S&P MCP ETF 464287507   448,839 1,800 SH   SOLE   0 0 1,800
ISHARES TR CORE S&P SCP ETF 464287804   8,895,540 94,302 SH   SOLE   0 0 94,302
ISHARES TR CORE S&P500 ETF 464287200   14,421,127 33,582 SH   SOLE   0 0 33,582
ISHARES TR S&P 500 GRWT ETF 464287309   678,293 9,914 SH   SOLE   0 0 9,914
ISHARES TR RUS 1000 ETF 464287622   653,222 2,781 SH   SOLE   0 0 2,781
ISHARES TR RUS 1000 VAL ETF 464287598   3,157,354 20,797 SH   SOLE   0 0 20,797
ISHARES TR RUS 1000 GRW ETF 464287614   4,194,182 15,768 SH   SOLE   0 0 15,768
ISHARES TR RUSSELL 2000 ETF 464287655   1,048,950 5,935 SH   SOLE   0 0 5,935
ISHARES TR RUS 2000 VAL ETF 464287630   453,335 3,344 SH   SOLE   0 0 3,344
ISHARES TR RUSSELL 3000 ETF 464287689   1,406,399 5,739 SH   SOLE   0 0 5,739
ISHARES TR CORE S&P US VLU 464287663   320,665 4,297 SH   SOLE   0 0 4,297
ISHARES TR CORE S&P US GWT 464287671   312,277 3,293 SH   SOLE   0 0 3,293
ISHARES TR MSCI EAFE ETF 464287465   321,506 4,665 SH   SOLE   0 0 4,665
ISHARES TR U.S. FINLS ETF 464287788   224,280 3,000 SH   SOLE   0 0 3,000
ISHARES TR MORNINGSTAR VALU 464288109   803,148 12,400 SH   SOLE   0 0 12,400
ISHARES TR S&P 100 ETF 464287101   929,263 4,631 SH   SOLE   0 0 4,631
ISHARES TR 1 3 YR TREAS BD 464287457   2,091,774 25,834 SH   SOLE   0 0 25,834
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   18,158,793 361,873 SH   SOLE   0 0 361,873
JABIL INC COM 466313103   492,841 3,884 SH   SOLE   0 0 3,884
JOHNSON & JOHNSON COM 478160104   707,467 4,542 SH   SOLE   0 0 4,542
JPMORGAN CHASE & CO COM 46625H100   814,570 5,617 SH   SOLE   0 0 5,617
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   645,305 22,329 SH   SOLE   0 0 22,329
LOWES COS INC COM 548661107   1,669,926 8,035 SH   SOLE   0 0 8,035
MANULIFE FINL CORP COM 56501R106   234,916 12,851 SH   SOLE   0 0 12,851
MASTERCARD INCORPORATED CL A 57636Q104   371,332 938 SH   SOLE   0 0 938
MCDONALDS CORP COM 580135101   377,587 1,433 SH   SOLE   0 0 1,433
MERCK & CO INC COM 58933Y105   343,836 3,340 SH   SOLE   0 0 3,340
MICROSOFT CORP COM 594918104   2,426,116 7,684 SH   SOLE   0 0 7,684
NORTHERN LTS FD TR III FPA GBL EQTY ETF 66538R631   2,860,647 120,345 SH   SOLE   0 0 120,345
NVIDIA CORPORATION COM 67066G104   666,261 1,532 SH   SOLE   0 0 1,532
ORACLE CORP COM 68389X105   243,616 2,300 SH   SOLE   0 0 2,300
PALO ALTO NETWORKS INC COM 697435105   241,942 1,032 SH   SOLE   0 0 1,032
PAYCHEX INC COM 704326107   241,962 2,098 SH   SOLE   0 0 2,098
PEPSICO INC COM 713448108   253,266 1,495 SH   SOLE   0 0 1,495
PROCTER AND GAMBLE CO COM 742718109   830,037 5,691 SH   SOLE   0 0 5,691
RTX CORPORATION COM 75513E101   214,431 2,979 SH   SOLE   0 0 2,979
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   2,570,062 53,002 SH   SOLE   0 0 53,002
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   7,091,830 223,929 SH   SOLE   0 0 223,929
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   4,632,651 82,770 SH   SOLE   0 0 82,770
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,309,564 25,881 SH   SOLE   0 0 25,881
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   657,414 10,199 SH   SOLE   0 0 10,199
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,489,140 49,309 SH   SOLE   0 0 49,309
SELECT SECTOR SPDR TR INDL 81369Y704   322,735 3,183 SH   SOLE   0 0 3,183
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,594,577 9,727 SH   SOLE   0 0 9,727
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,056,696 4,811 SH   SOLE   0 0 4,811
SSGA ACTIVE ETF TR GLOBL ALLO ETF 78467V400   216,398 5,664 SH   SOLE   0 0 5,664
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107   495,207 18,233 SH   SOLE   0 0 18,233
TESLA INC COM 88160R101   1,600,488 6,396 SH   SOLE   0 0 6,396
THE CIGNA GROUP COM 125523100   220,412 770 SH   SOLE   0 0 770
TJX COS INC NEW COM 872540109   317,924 3,577 SH   SOLE   0 0 3,577
TRUIST FINL CORP COM 89832Q109   324,652 11,348 SH   SOLE   0 0 11,348
UNITEDHEALTH GROUP INC COM 91324P102   791,039 1,569 SH   SOLE   0 0 1,569
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   380,456 4,501 SH   SOLE   0 0 4,501
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828   2,403,250 27,497 SH   SOLE   0 0 27,497
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   5,537,906 22,435 SH   SOLE   0 0 22,435
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   2,635,604 17,725 SH   SOLE   0 0 17,725
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   3,639,409 48,416 SH   SOLE   0 0 48,416
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,165,464 16,118 SH   SOLE   0 0 16,118
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   475,925 6,820 SH   SOLE   0 0 6,820
VANGUARD INDEX FDS LARGE CAP ETF 922908637   278,807 1,425 SH   SOLE   0 0 1,425
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   239,002 1,825 SH   SOLE   0 0 1,825
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,041,413 10,797 SH   SOLE   0 0 10,797
VANGUARD INDEX FDS GROWTH ETF 922908736   336,997 1,238 SH   SOLE   0 0 1,238
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,245,311 15,904 SH   SOLE   0 0 15,904
VANGUARD INDEX FDS TOTAL STK MKT 922908769   298,565 1,406 SH   SOLE   0 0 1,406
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   423,103 2,952 SH   SOLE   0 0 2,952
VANGUARD INDEX FDS VALUE ETF 922908744   1,953,936 14,166 SH   SOLE   0 0 14,166
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,472,847 37,563 SH   SOLE   0 0 37,563
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   464,105 4,981 SH   SOLE   0 0 4,981
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   283,051 5,885 SH   SOLE   0 0 5,885
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,408,825 32,054 SH   SOLE   0 0 32,054
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   7,474,374 129,763 SH   SOLE   0 0 129,763
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   2,276,995 33,270 SH   SOLE   0 0 33,270
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   2,284,244 34,267 SH   SOLE   0 0 34,267
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   8,737,699 56,234 SH   SOLE   0 0 56,234
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,134,566 94,569 SH   SOLE   0 0 94,569
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   832,528 8,058 SH   SOLE   0 0 8,058
VERIZON COMMUNICATIONS INC COM 92343V104   319,679 9,864 SH   SOLE   0 0 9,864
VISA INC COM CL A 92826C839   346,246 1,505 SH   SOLE   0 0 1,505
WALMART INC COM 931142103   268,468 1,679 SH   SOLE   0 0 1,679
WELLS FARGO CO NEW COM 949746101   383,579 9,388 SH   SOLE   0 0 9,388
WISDOMTREE TR US QTLY DIV GRT 97717X669   1,715,438 27,019 SH   SOLE   0 0 27,019