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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,166,853 5,227 SH   SOLE   0 0 5,227
APPLE INC COM 037833100   1,549,988 8,729 SH   SOLE   0 0 8,729
APTARGROUP INC COM 038336103   1,289,224 10,526 SH   SOLE   0 0 10,526
BECTON DICKINSON & CO COM 075887109   2,160,716 8,592 SH   SOLE   0 0 8,592
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   5,170,009 17,291 SH   SOLE   0 0 17,291
CARLISLE COS INC COM 142339100   2,081,727 8,390 SH   SOLE   0 0 8,390
CHURCH & DWIGHT CO INC COM 171340102   2,379,107 23,211 SH   SOLE   0 0 23,211
CVS HEALTH CORP COM 126650100   2,427,355 23,530 SH   SOLE   0 0 23,530
DIREXION SHS ETF TR AUSPCE CMD STG 25460E307   8,867,344 303,884 SH   SOLE   0 0 303,884
DISNEY WALT CO COM 254687106   1,284,508 8,293 SH   SOLE   0 0 8,293
EXXON MOBIL CORP COM 30231G102   2,850,830 46,590 SH   SOLE   0 0 46,590
FRANCO NEV CORP COM 351858105   670,292 4,847 SH   SOLE   0 0 4,847
GLOBAL PMTS INC COM 37940X102   363,093 2,686 SH   SOLE   0 0 2,686
HOME DEPOT INC COM 437076102   581,429 1,401 SH   SOLE   0 0 1,401
ISHARES TR EAFE SML CP ETF 464288273   311,217 4,258 SH   SOLE   0 0 4,258
ISHARES TR 20 YR TR BD ETF 464287432   1,622,952 43,506 SH   SOLE   0 0 43,506
JOHNSON & JOHNSON COM 478160104   4,143,651 24,222 SH   SOLE   0 0 24,222
JPMORGAN CHASE & CO COM 46625H100   3,769,205 23,803 SH   SOLE   0 0 23,803
LOCKHEED MARTIN CORP COM 539830109   229,239 645 SH   SOLE   0 0 645
MICROSOFT CORP COM 594918104   6,915,594 20,563 SH   SOLE   0 0 20,563
PEPSICO INC COM 713448108   3,019,829 17,384 SH   SOLE   0 0 17,384
PHILIP MORRIS INTL INC COM 718172109   982,225 38,729 SH   SOLE   0 0 38,729
PROCTER AND GAMBLE CO COM 742718109   3,488,604 21,327 SH   SOLE   0 0 21,327
QUALCOMM INC COM 747525103   3,969,559 21,707 SH   SOLE   0 0 21,707
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,984,802 23,063 SH   SOLE   0 0 23,063
REGIONS FINANCIAL CORP NEW COM 7591EP100   335,219 15,377 SH   SOLE   0 0 15,377
ROSS STORES INC COM 778296103   1,466,784 12,835 SH   SOLE   0 0 12,835
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   23,539,835 291,226 SH   SOLE   0 0 291,226
SCHWAB STRATEGIC TR US TIPS ETF 808524870   13,163,154 209,304 SH   SOLE   0 0 209,304
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   523,768 9,717 SH   SOLE   0 0 9,717
SPDR SER TR PORTFOLIO LN TSR 78464A664   10,954,436 259,892 SH   SOLE   0 0 259,892
VANECK ETF TRUST CHINA BOND ETF 92189F379   990,162 40,120 SH   SOLE   0 0 40,120
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   6,916,871 81,615 SH   SOLE   0 0 81,615
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   7,565,418 137,779 SH   SOLE   0 0 137,779
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   3,033,392 91,335 SH   SOLE   0 0 91,335
VULCAN MATLS CO COM 929160109   254,286 1,225 SH   SOLE   0 0 1,225
WALMART INC COM 931142103   1,882,826 13,013 SH   SOLE   0 0 13,013