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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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 CORPORATION Equities 88579Y101   261,384 2,392 SH   SOLE   2,392 0 0
ABBVIE INC Equities 00287Y109   980,805 6,330 SH   SOLE   6,330 0 0
ACCENTURE PLC Equities G1151C101   209,844 598 SH   DFND   598 0 0
ACCENTURE PLC Equities G1151C101   1,371,707 3,909 SH   SOLE   3,909 0 0
ADOBE SYS INC Equities 00724F101   228,498 384 SH   SOLE   384 0 0
ALPHABET INC CL A Equities 02079K305   806,710 5,775 SH   SOLE   5,775 0 0
ALPHABET INC CL C Equities 02079K107   1,162,109 8,246 SH   SOLE   8,246 0 0
ANGI HOMESERVICES INC Equities 00183L102   225,838 90,698 SH   SOLE   90,698 0 0
ARCH CAPITAL GROUP Equities G0450A105   206,322 2,778 SH   SOLE   2,778 0 0
BLACKROCK, INC. Equities 09247X101   821,542 1,012 SH   SOLE   1,012 0 0
BOOKING HOLDINGS INC. Equities 09857L108   503,705 143 SH   SOLE   143 0 0
BROADCOM INC Equities 11135F101   433,105 388 SH   SOLE   388 0 0
BROADRIDGE FINANCIAL SOLUTIONS Equities 11133T103   200,606 975 SH   SOLE   975 0 0
CANADIAN NATL RR Equities 136375102   676,643 5,386 SH   SOLE   5,386 0 0
CHARLES SCHWAB CORP Equities 808513105   245,341 3,566 SH   SOLE   3,566 0 0
CHEVRON CORP Equities 166764100   301,452 2,022 SH   SOLE   2,022 0 0
CHIPOTLE MEXICAN GRILL INC Equities 169656105   343,044 150 SH   SOLE   150 0 0
CISCO SYSTEMS INC Equities 17275R102   411,233 8,140 SH   SOLE   8,140 0 0
CME GROUP INC Equities 12572Q105   222,815 1,058 SH   SOLE   1,058 0 0
CMS ENERGY CORP Equities 125896100   255,740 4,404 SH   SOLE   4,404 0 0
COCA COLA CO Equities 191216100   263,653 4,474 SH   SOLE   4,474 0 0
CONSTELLATION BRANDS Equities 21036P108   205,971 852 SH   SOLE   852 0 0
COSTCO WHSL CORP NEW Equities 22160K105   750,511 1,137 SH   SOLE   1,137 0 0
DFA DIMENSIONAL EMERGING MKTS C Mutual Funds 25434V732   1,442,148 57,778 SH   SOLE   57,778 0 0
DFA DIMENSIONAL GLOBAL REAL EST Mutual Funds 25434V658   509,160 19,598 SH   SOLE   19,598 0 0
DFA DIMENSIONAL INTL CORE EQUIT Mutual Funds 25434V799   4,555,994 178,458 SH   SOLE   178,458 0 0
DFA DIMENSIONAL US SMALL CAP VA Mutual Funds 25434V815   2,364,986 81,216 SH   SOLE   81,216 0 0
DIMENSIONAL U.S. CORE EQUITY 2 Mutual Funds 25434V708   29,985,932 1,025,863 SH   SOLE   1,025,863 0 0
DIMENSIONAL U.S. MARKETWIDE VAL Mutual Funds 25434V724   1,931,265 51,888 SH   DFND   51,888 0 0
DIMENSIONAL U.S. MARKETWIDE VAL Mutual Funds 25434V724   70,140,031 1,884,468 SH   SOLE   1,884,468 0 0
DIMENSIONAL U.S. TARGETED VALUE Mutual Funds 25434V609   4,890,759 93,459 SH   DFND   93,459 0 0
DIMENSIONAL U.S. TARGETED VALUE Mutual Funds 25434V609   95,128,564 1,817,860 SH   SOLE   1,815,048 0 2,812
DIMENSIONAL WORLD EX U.S. CORE Mutual Funds 25434V880   10,140,611 415,258 SH   SOLE   415,258 0 0
DISNEY WALT CO Equities 254687106   270,960 3,001 SH   SOLE   3,001 0 0
DUKE ENERGY CORP NEW Equities 26441C204   1,145,266 11,802 SH   SOLE   11,802 0 0
EQUIFAX, INC. Equities 294429105   238,388 964 SH   SOLE   964 0 0
EXXON MOBIL CORP Equities 30231G102   1,436,613 14,369 SH   SOLE   14,369 0 0
F.N.B. CORP (PA) Equities 302520101   4,719,709 342,753 SH   SOLE   342,753 0 0
FIRST CITIZENS CL A Equities 31946M103   567,588 400 SH   SOLE   400 0 0
FREEPORT MCMORAN COPPER & GOLD Equities 35671D857   207,060 4,864 SH   SOLE   4,864 0 0
GENERAL DYNAMICS Equities 369550108   358,345 1,380 SH   SOLE   1,380 0 0
GENERAL ELEC CO Equities 369604301   745,487 5,842 SH   SOLE   5,842 0 0
GENERAL MILLS Equities 370334104   301,989 4,636 SH   SOLE   4,636 0 0
HILTON WORLDWIDE HLDGS WI Equities 43300A203   232,347 1,276 SH   SOLE   1,276 0 0
HOME DEPOT, INC. Equities 437076102   1,115,891 3,220 SH   SOLE   3,220 0 0
IBM CORP. Equities 459200101   823,638 5,036 SH   SOLE   5,036 0 0
IDEX CORP Equities 45167R104   262,920 1,211 SH   SOLE   1,211 0 0
ILLINOIS TOOL WORKS Equities 452308109   447,394 1,709 SH   SOLE   1,709 0 0
INVESCO QQQ TRUST SERIES 1 Mutual Funds 46090E103   213,769 522 SH   SOLE   522 0 0
ISHARES S&P MIDCAP 400 Mutual Funds 464287507   4,555,792 16,438 SH   SOLE   16,438 0 0
ISHARES CORE MSCI EAFE Mutual Funds 46432F842   234,266 3,330 SH   SOLE   3,330 0 0
ISHARES CORE S&P 500 Mutual Funds 464287200   3,250,272 6,805 SH   SOLE   6,805 0 0
ISHARES CORE S&P SMALL CAP Mutual Funds 464287804   287,079 2,652 SH   SOLE   2,652 0 0
ISHARES CORE US AGGREGATE BOND Mutual Funds 464287226   310,653 3,130 SH   SOLE   3,130 0 0
ISHARES MSCI EAFE Mutual Funds 464287465   308,709 4,097 SH   SOLE   4,097 0 0
ISHARES MSCI EAFE SMALL CAP Mutual Funds 464288273   1,302,067 21,035 SH   SOLE   21,035 0 0
ISHARES MSCI EMERGING MKTS SMAL Mutual Funds 464286475   600,935 10,395 SH   SOLE   10,395 0 0
ISHARES RUSSELL 1000 GROWTH Mutual Funds 464287614   1,517,972 5,007 SH   SOLE   5,007 0 0
ISHARES RUSSELL 1000 VALUE Mutual Funds 464287598   1,031,491 6,242 SH   SOLE   6,242 0 0
ISHARES RUSSELL 2000 Mutual Funds 464287655   3,229,223 16,089 SH   SOLE   16,089 0 0
ISHARES RUSSELL MID-CAP ETF Mutual Funds 464287499   703,068 9,045 SH   SOLE   9,045 0 0
ISHARES S&P 500 BARRA VALUE Mutual Funds 464287408   728,599 4,190 SH   SOLE   4,190 0 0
ISHARES S&P 500 GROWTH Mutual Funds 464287309   792,906 10,558 SH   SOLE   10,558 0 0
J.P. MORGAN CHASE & Equities 46625H100   832,299 4,893 SH   SOLE   4,893 0 0
JOHNSON & JOHNSON Equities 478160104   1,816,930 11,592 SH   SOLE   11,592 0 0
KIMBERLY-CLARK Equities 494368103   315,926 2,600 SH   SOLE   2,600 0 0
L3HARRIS TECHNOLOGIES INC Equities 502431109   282,652 1,343 SH   SOLE   1,343 0 0
LILLY ELI & CO. Equities 532457108   480,326 825 SH   SOLE   825 0 0
LIVE OAK BANCSHARES INC Equities 53803X105   15,042,300 330,600 SH   SOLE   330,600 0 0
LOWES COMPANIES Equities 548661107   236,793 1,064 SH   DFND   1,064 0 0
LOWES COMPANIES Equities 548661107   3,087,881 13,875 SH   SOLE   13,875 0 0
MANULIFE FINL CORP Equities 56501R106   214,635 9,712 SH   SOLE   9,712 0 0
MCDONALDS CORP Equities 580135101   1,041,343 3,512 SH   SOLE   3,512 0 0
MERCK & CO INC NEWCOM Equities 58933Y105   2,889,357 26,503 SH   SOLE   26,503 0 0
META PLATFORMS INC. CL A Equities 30303M102   868,264 2,453 SH   SOLE   2,453 0 0
MICROSOFT CORPORATION Equities 594918104   548,642 1,459 SH   DFND   1,459 0 0
MICROSOFT CORPORATION Equities 594918104   5,843,662 15,540 SH   SOLE   15,540 0 0
NCINO INC COM Equities 63947X101   4,429,811 131,722 SH   SOLE   131,722 0 0
NEXTERA ENERGY INCCOM Equities 65339F101   30,613 504 SH   DFND   504 0 0
NEXTERA ENERGY INCCOM Equities 65339F101   394,020 6,487 SH   SOLE   6,487 0 0
NIKE, INC. Equities 654106103   430,806 3,969 SH   SOLE   3,969 0 0
NVIDIA CORP Equities 67066G104   367,948 743 SH   SOLE   743 0 0
ORACLE CORP Equities 68389X105   349,184 3,312 SH   SOLE   3,312 0 0
PARKER HANNIFIN CORP Equities 701094104   353,357 767 SH   SOLE   767 0 0
PAYCHEX INC Equities 704326107   716,089 6,012 SH   SOLE   6,012 0 0
PEPSICO, INC. Equities 713448108   1,103,111 6,495 SH   SOLE   6,495 0 0
PFIZER INC Equities 717081103   802,176 27,863 SH   SOLE   27,863 0 0
PROCTER & GAMBLE CO Equities 742718109   1,311,533 8,951 SH   SOLE   8,951 0 0
RAYTHEON TECHNOLOGIES CORP COM Equities 75513E101   298,697 3,550 SH   SOLE   3,550 0 0
ROSS STORES, INC Equities 778296103   307,503 2,222 SH   SOLE   2,222 0 0
ROYAL BANK OF CANADA Equities 780087102   2,509,844 24,818 SH   SOLE   24,818 0 0
SCHWAB US LARGE CAP GROWTH ETF Mutual Funds 808524300   205,741 2,480 SH   SOLE   2,480 0 0
SONOCO PRODUCTS CO Equities 835495102   832,128 14,894 SH   SOLE   14,894 0 0
SOUTHERN CO. Equities 842587107   313,997 4,478 SH   SOLE   4,478 0 0
SPDR PORTFOLIO LARGE CAP ETF Mutual Funds 78464A854   339,816 6,079 SH   SOLE   6,079 0 0
SPDR S&P 500 Mutual Funds 78462F103   14,940,895 31,434 SH   SOLE   31,434 0 0
STATE STREET CORP Equities 857477103   319,910 4,130 SH   SOLE   4,130 0 0
SYSCO CORP Equities 871829107   221,511 3,029 SH   SOLE   3,029 0 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100   283,192 2,723 SH   SOLE   2,723 0 0
TARGET CORP. Equities 87612E106   505,164 3,547 SH   SOLE   3,547 0 0
TESLA MOTORS INC Equities 88160R101   894,776 3,601 SH   SOLE   3,601 0 0
TG THERAPEUTICS INC Equities 88322Q108   181,048 10,600 SH   SOLE   10,600 0 0
TJX COS INC Equities 872540109   263,794 2,812 SH   SOLE   2,812 0 0
TRUIST FINANCIAL ORD SHS Equities 89832Q109   962,800 26,078 SH   SOLE   26,078 0 0
UNITEDHEALTH GRP INC Equities 91324P102   1,764,201 3,351 SH   SOLE   3,351 0 0
VANGUARD FTSE ALL WORLD SC ETF Mutual Funds 922042718   491,868 4,276 SH   SOLE   4,276 0 0
VANGUARD FTSE DEVELOPED MKTS ET Mutual Funds 921943858   5,803,583 121,160 SH   SOLE   121,160 0 0
VANGUARD FTSE EMERGING MARKETS Mutual Funds 922042858   2,700,317 65,701 SH   SOLE   65,701 0 0
VANGUARD GROWTH ETF Mutual Funds 922908736   1,134,090 3,648 SH   SOLE   3,648 0 0
VANGUARD MID-CAP ETF Mutual Funds 922908629   9,660,376 41,525 SH   SOLE   41,525 0 0
VANGUARD S&P 500 Mutual Funds 922908363   13,195,728 30,210 SH   SOLE   30,210 0 0
VANGUARD SM-CAP ETF Mutual Funds 922908595   636,822 2,634 SH   SOLE   2,634 0 0
VANGUARD SMALL CAP VALUE ETF Mutual Funds 922908611   505,356 2,808 SH   SOLE   2,808 0 0
VANGUARD SMALL-CAP ETF Mutual Funds 922908751   5,772,050 27,057 SH   SOLE   27,057 0 0
VANGUARD VALUE ETF Mutual Funds 922908744   1,712,373 11,454 SH   SOLE   11,454 0 0
VERISK ANALYTICS INC Equities 92345Y106   208,047 871 SH   SOLE   871 0 0
VERIZON COMM INC Equities 92343V104   225,672 5,986 SH   SOLE   5,986 0 0
VISA INC Equities 92826C839   1,185,634 4,554 SH   SOLE   4,554 0 0
VULCAN MATERIALS CO Equities 929160109   283,763 1,250 SH   SOLE   1,250 0 0
WAL-MART STORES INC Equities 931142103   1,391,419 8,826 SH   SOLE   8,826 0 0
WASTE MANAGEMENT INC Equities 94106L109   338,678 1,891 SH   SOLE   1,891 0 0