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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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   1,498,307 5,615 SH   SOLE   0 0 5,615
APPLE INC COM 037833100   995,344 7,661 SH   SOLE   0 0 7,661
APTARGROUP INC COM 038336103   1,587,298 14,433 SH   SOLE   0 0 14,433
BECTON DICKINSON & CO COM 075887109   2,333,007 9,174 SH   SOLE   0 0 9,174
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   5,061,327 16,385 SH   SOLE   0 0 16,385
CARLISLE COS INC COM 142339100   1,373,653 5,829 SH   SOLE   0 0 5,829
CHURCH & DWIGHT CO INC COM 171340102   1,985,545 24,632 SH   SOLE   0 0 24,632
CONOCOPHILLIPS COM 20825C104   1,477,832 12,524 SH   SOLE   0 0 12,524
CVS HEALTH CORP COM 126650100   2,594,577 27,842 SH   SOLE   0 0 27,842
EXXON MOBIL CORP COM 30231G102   3,073,654 27,866 SH   SOLE   0 0 27,866
FRANCO NEV CORP COM 351858105   2,265,568 16,600 SH   SOLE   0 0 16,600
GLOBAL PMTS INC COM 37940X102   207,380 2,088 SH   SOLE   0 0 2,088
HOME DEPOT INC COM 437076102   442,520 1,401 SH   SOLE   0 0 1,401
ISHARES TR 20 YR TR BD ETF 464287432   6,162,437 61,897 SH   SOLE   0 0 61,897
ISHARES TR MSCI INTL SML CP 46434V266   1,794,810 59,827 SH   SOLE   0 0 59,827
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   8,277,055 166,574 SH   SOLE   0 0 166,574
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   29,356,008 639,147 SH   SOLE   0 0 639,147
JOHNSON & JOHNSON COM 478160104   5,450,877 30,857 SH   SOLE   0 0 30,857
LOCKHEED MARTIN CORP COM 539830109   265,137 545 SH   SOLE   0 0 545
MICROSOFT CORP COM 594918104   4,988,281 20,800 SH   SOLE   0 0 20,800
PACER FDS TR EMRG MKT CASH 69374H865   2,128,573 115,495 SH   SOLE   0 0 115,495
PEPSICO INC COM 713448108   2,916,092 16,141 SH   SOLE   0 0 16,141
PROCTER AND GAMBLE CO COM 742718109   3,133,796 20,677 SH   SOLE   0 0 20,677
QUALCOMM INC COM 747525103   2,313,024 21,039 SH   SOLE   0 0 21,039
RAYTHEON TECHNOLOGIES CORP COM 75513E101   2,762,087 27,369 SH   SOLE   0 0 27,369
ROSS STORES INC COM 778296103   1,726,362 14,873 SH   SOLE   0 0 14,873
SCHWAB CHARLES CORP COM 808513105   1,689,429 20,291 SH   SOLE   0 0 20,291
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   22,085,984 292,375 SH   SOLE   0 0 292,375
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   265,814 5,823 SH   SOLE   0 0 5,823
SOUTHERN CO COM 842587107   291,781 4,086 SH   SOLE   0 0 4,086
SPDR SER TR PORTFOLIO LN TSR 78464A664   12,014,550 413,867 SH   SOLE   0 0 413,867
SPDR SER TR PORTFOLIO S&P600 78468R853   3,496,897 94,587 SH   SOLE   0 0 94,587
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   467,395 6,506 SH   SOLE   0 0 6,506
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   318,355 5,221 SH   SOLE   0 0 5,221
VULCAN MATLS CO COM 929160109   214,510 1,225 SH   SOLE   0 0 1,225
WALMART INC COM 931142103   2,394,607 16,888 SH   SOLE   0 0 16,888