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   3,275,394 9,334 SH   SOLE   0 0 9,334
APPLE INC COM 037833100   1,441,786 7,489 SH   SOLE   0 0 7,489
APTARGROUP INC COM 038336103   1,704,567 13,789 SH   SOLE   0 0 13,789
BECTON DICKINSON & CO COM 075887109   2,120,846 8,698 SH   SOLE   0 0 8,698
CARLISLE COS INC COM 142339100   2,038,517 6,525 SH   SOLE   0 0 6,525
CHURCH & DWIGHT CO INC COM 171340102   2,284,379 24,158 SH   SOLE   0 0 24,158
CVS HEALTH CORP COM 126650100   3,531,096 44,720 SH   SOLE   0 0 44,720
EXXON MOBIL CORP COM 30231G102   2,591,808 25,923 SH   SOLE   0 0 25,923
FIRST TR EXCH TRD ALPHDX FD EM SML CP ALPH 33737J307   2,073,177 53,933 SH   SOLE   0 0 53,933
GLOBAL PMTS INC COM 37940X102   217,170 1,710 SH   SOLE   0 0 1,710
HOME DEPOT INC COM 437076102   485,517 1,401 SH   SOLE   0 0 1,401
ISHARES GOLD TR ISHARES NEW 464285204   12,846,490 329,144 SH   SOLE   0 0 329,144
ISHARES TR 20 YR TR BD ETF 464287432   10,798,680 109,210 SH   SOLE   0 0 109,210
ISHARES TR INTERNATIONAL SL 46434V266   4,554,771 141,761 SH   SOLE   0 0 141,761
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   44,909,563 953,798 SH   SOLE   0 0 953,798
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   9,622,952 188,833 SH   SOLE   0 0 188,833
LOCKHEED MARTIN CORP COM 539830109   215,742 476 SH   SOLE   0 0 476
MICROSOFT CORP COM 594918104   5,544,316 14,744 SH   SOLE   0 0 14,744
PACER FDS TR EMRG MKT CASH 69374H865   3,437,432 170,423 SH   SOLE   0 0 170,423
PEPSICO INC COM 713448108   2,712,196 15,969 SH   SOLE   0 0 15,969
PROCTER AND GAMBLE CO COM 742718109   3,030,237 20,679 SH   SOLE   0 0 20,679
QUALCOMM INC COM 747525103   3,295,646 22,787 SH   SOLE   0 0 22,787
ROSS STORES INC COM 778296103   1,959,546 14,160 SH   SOLE   0 0 14,160
RTX CORPORATION COM 75513E101   2,719,801 32,325 SH   SOLE   0 0 32,325
SCHWAB CHARLES CORP COM 808513105   2,080,856 30,245 SH   SOLE   0 0 30,245
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   21,271,503 279,410 SH   SOLE   0 0 279,410
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   12,688,902 152,952 SH   SOLE   0 0 152,952
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,834,606 80,051 SH   SOLE   0 0 80,051
SPDR SER TR PORTFOLIO LN TSR 78464A664   15,231,549 524,864 SH   SOLE   0 0 524,864
SPDR SER TR PORTFOLIO S&P600 78468R853   4,606,538 109,211 SH   SOLE   0 0 109,211
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   3,689,841 57,880 SH   SOLE   0 0 57,880
WALMART INC COM 931142103   2,456,048 15,579 SH   SOLE   0 0 15,579