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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
AFLAC INC COM 001055102   835,213 8,074 SH   SOLE 0 0 0 8,074
APPLE INC COM 037833100   1,463,955 5,846 SH   SOLE 0 0 0 5,846
BANK AMERICA CORP COM 060505104   265,106 6,032 SH   SOLE 0 0 0 6,032
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103   3,243,613 63,290 SH   SOLE 0 0 0 63,290
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   630,795 12,126 SH   SOLE 0 0 0 12,126
CATERPILLAR INC COM 149123101   228,539 630 SH   SOLE 0 0 0 630
CUMMINS INC COM 231021106   219,618 630 SH   SOLE 0 0 0 630
GLOBAL PMTS INC COM 37940X102   478,496 4,270 SH   SOLE 0 0 0 4,270
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339   904,495 9,520 SH   SOLE 0 0 0 9,520
ISHARES INC MSCI EMRG CHN 46434G764   1,286,551 23,202 SH   SOLE 0 0 0 23,202
ISHARES INC CORE MSCI EMKT 46434G103   584,877 11,200 SH   SOLE 0 0 0 11,200
ISHARES TR US INFRASTRUC 46435U713   350,636 7,575 SH   SOLE 0 0 0 7,575
ISHARES TR MSCI USA QLT FCT 46432F339   3,242,180 18,206 SH   SOLE 0 0 0 18,206
ISHARES TR CORE TOTAL USD 46434V613   2,920,970 64,623 SH   SOLE 0 0 0 64,623
ISHARES TR 20 YR TR BD ETF 464287432   561,328 6,428 SH   SOLE 0 0 0 6,428
ISHARES TR U.S. TECH ETF 464287721   1,346,064 8,438 SH   SOLE 0 0 0 8,438
ISHARES TR S&P 500 VAL ETF 464287408   1,842,946 9,655 SH   SOLE 0 0 0 9,655
ISHARES TR S&P 500 GRWT ETF 464287309   4,127,310 40,651 SH   SOLE 0 0 0 40,651
ISHARES TR EAFE VALUE ETF 464288877   2,505,128 47,744 SH   SOLE 0 0 0 47,744
ISHARES TR EAFE GRWTH ETF 464288885   2,532,154 26,151 SH   SOLE 0 0 0 26,151
ISHARES TR MBS ETF 464288588   1,245,874 13,589 SH   SOLE 0 0 0 13,589
ISHARES TR RUS TP200 GR ETF 464289438   24,046,006 102,206 SH   SOLE 0 0 0 102,206
LOWES COS INC COM 548661107   901,314 3,652 SH   SOLE 0 0 0 3,652
NVIDIA CORPORATION COM 67066G104   338,491 2,521 SH   SOLE 0 0 0 2,521
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   10,694,093 385,929 SH   SOLE 0 0 0 385,929
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,846,217 81,331 SH   SOLE 0 0 0 81,331
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   15,436,937 834,429 SH   SOLE 0 0 0 834,429
SOUTHERN CO COM 842587107   954,418 11,594 SH   SOLE 0 0 0 11,594
SPDR SER TR PORTFOLIO S&P500 78464A854   8,454,802 122,640 SH   SOLE 0 0 0 122,640
SPDR SER TR PORTFLI HIGH YLD 78468R606   3,931,131 167,496 SH   SOLE 0 0 0 167,496
VANGUARD INDEX FDS TOTAL STK MKT 922908769   28,504,471 98,356 SH   SOLE 0 0 0 98,356
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   368,628 6,336 SH   SOLE 0 0 0 6,336
WORLD GOLD TR SPDR GLD MINIS 98149E303   1,837,795 35,349 SH   SOLE 0 0 0 35,349