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   247,466 1,917 SH   SOLE   1,917 0 0
ABBOTT LABORATORIES Equities 002824100   982,587 8,687 SH   SOLE   8,687 0 0
ABBVIE INC Equities 00287Y109   983,214 5,534 SH   SOLE   5,534 0 0
ACCENTURE PLC Equities G1151C101   210,370 598 SH   DFND   598 0 0
ACCENTURE PLC Equities G1151C101   1,060,647 3,015 SH   SOLE   3,015 0 0
ADOBE SYS INC Equities 00724F101   227,231 511 SH   SOLE   511 0 0
AIR PRODS & CHEMS Equities 009158106   376,182 1,297 SH   SOLE   1,297 0 0
ALPHABET INC CL A Equities 02079K305   955,019 5,045 SH   SOLE   5,045 0 0
ALPHABET INC CL C Equities 02079K107   2,009,904 10,554 SH   SOLE   10,554 0 0
AMAZON.COM INC Equities 023135106   3,234,028 14,741 SH   SOLE   14,481 0 260
AMERICAN EXPRESS CO Equities 025816109   387,608 1,306 SH   SOLE   1,306 0 0
ANALOG DEVICES INC Equities 032654105   715,565 3,368 SH   SOLE   3,368 0 0
ANGI HOMESERVICES INC Equities 00183L102   85,135 51,286 SH   SOLE   51,286 0 0
APPLE COMPUTER INC Equities 037833100   457,768 1,828 SH   DFND   1,828 0 0
APPLE COMPUTER INC Equities 037833100   22,005,157 87,873 SH   SOLE   87,381 0 492
AUTODESK INC Equities 052769106   322,762 1,092 SH   SOLE   1,092 0 0
AUTOMATIC DATA PRO Equities 053015103   886,972 3,030 SH   SOLE   3,030 0 0
BADGER METER INC Equities 056525108   393,695 1,856 SH   SOLE   1,856 0 0
BANK OF AMERICA CORP Equities 060505104   519,181 11,813 SH   SOLE   11,813 0 0
BECTON, DICKINSON Equities 075887109   499,568 2,202 SH   SOLE   2,202 0 0
BERKSHIRE HATHAWAY INC DELCL B Equities 084670702   5,155,607 11,374 SH   SOLE   11,374 0 0
BROADCOM INC Equities 11135F101   899,539 3,880 SH   SOLE   3,880 0 0
CANADIAN NATL RR Equities 136375102   494,354 4,870 SH   SOLE   4,870 0 0
CHARLES SCHWAB CORP Equities 808513105   302,553 4,088 SH   SOLE   4,088 0 0
CHEVRON CORP Equities 166764100   261,002 1,802 SH   SOLE   1,802 0 0
CHIPOTLE MEXICAN GRILL INC Equities 169656105   404,010 6,700 SH   SOLE   6,700 0 0
CISCO SYSTEMS INC Equities 17275R102   419,965 7,094 SH   SOLE   7,094 0 0
CME GROUP INC Equities 12572Q105   240,126 1,034 SH   SOLE   1,034 0 0
CMS ENERGY CORP Equities 125896100   293,527 4,404 SH   SOLE   4,404 0 0
COCA COLA CO Equities 191216100   339,691 5,456 SH   SOLE   5,456 0 0
COSTCO WHSL CORP NEW Equities 22160K105   481,958 526 SH   SOLE   526 0 0
DANAHER CORP Equities 235851102   258,703 1,127 SH   SOLE   1,127 0 0
DFA DIMENSIONAL EMERGING MKTS C Mutual Funds 25434V732   3,214,942 122,757 SH   SOLE   122,757 0 0
DFA DIMENSIONAL GLOBAL REAL EST Mutual Funds 25434V658   1,228,230 48,090 SH   SOLE   48,090 0 0
DFA DIMENSIONAL INTL CORE EQUIT Mutual Funds 25434V799   10,072,221 389,716 SH   SOLE   389,716 0 0
DFA U.S. SMALL CAP VALUE ETF Mutual Funds 25434V815   4,856,137 157,769 SH   SOLE   157,769 0 0
DIMENSIONAL U.S. CORE EQUITY 2 Mutual Funds 25434V708   41,632,011 1,203,586 SH   SOLE   1,203,586 0 0
DIMENSIONAL U.S. MARKETWIDE VAL Mutual Funds 25434V724   2,123,250 51,888 SH   DFND   51,888 0 0
DIMENSIONAL U.S. MARKETWIDE VAL Mutual Funds 25434V724   72,359,108 1,768,300 SH   SOLE   1,754,447 0 13,853
DIMENSIONAL U.S. TARGETED VALUE Mutual Funds 25434V609   5,201,981 93,459 SH   DFND   93,459 0 0
DIMENSIONAL U.S. TARGETED VALUE Mutual Funds 25434V609   95,422,488 1,714,385 SH   SOLE   1,705,791 0 8,594
DIMENSIONAL WORLD EX U.S. CORE Mutual Funds 25434V880   9,699,327 390,158 SH   SOLE   390,158 0 0
DISNEY WALT CO Equities 254687106   334,495 3,004 SH   SOLE   3,004 0 0
DUKE ENERGY CORP NEW Equities 26441C204   1,082,464 10,047 SH   SOLE   10,047 0 0
EQUIFAX, INC. Equities 294429105   218,916 859 SH   SOLE   859 0 0
EXXON MOBIL CORP Equities 30231G102   1,536,100 14,280 SH   SOLE   14,280 0 0
F.N.B. CORP (PA) Equities 302520101   1,263,956 85,518 SH   SOLE   85,518 0 0
FIRST CITIZENS CL A Equities 31946M103   2,001,030 947 SH   SOLE   947 0 0
GENERAL DYNAMICS Equities 369550108   288,258 1,094 SH   SOLE   1,094 0 0
GENERAL ELEC CO Equities 369604301   985,395 5,909 SH   SOLE   5,909 0 0
GENERAL MILLS Equities 370334104   267,579 4,196 SH   SOLE   4,196 0 0
HILTON WORLDWIDE HLDGS WI Equities 43300A203   287,941 1,165 SH   SOLE   1,165 0 0
HOME DEPOT, INC. Equities 437076102   1,444,320 3,713 SH   SOLE   3,713 0 0
IBM CORP. Equities 459200101   1,100,029 5,004 SH   SOLE   5,004 0 0
ILLINOIS TOOL WORKS Equities 452308109   364,112 1,436 SH   SOLE   1,436 0 0
INVESCO QQQ TRUST SERIES 1 Mutual Funds 46090E103   356,839 698 SH   SOLE   698 0 0
INVESTORS TITLE COMPANY Equities 461804106   322,467 1,362 SH   SOLE   1,362 0 0
ISHARES S&P MIDCAP 400 Mutual Funds 464287507   5,130,605 82,340 SH   SOLE   82,340 0 0
ISHARES CORE MSCI EAFE Mutual Funds 46432F842   254,203 3,617 SH   SOLE   3,617 0 0
ISHARES CORE MSCI EMERGING MARK Mutual Funds 46434G103   317,393 6,078 SH   SOLE   6,078 0 0
ISHARES CORE S&P 500 Mutual Funds 464287200   3,895,296 6,617 SH   SOLE   6,617 0 0
ISHARES CORE S&P SMALL CAP Mutual Funds 464287804   223,412 1,939 SH   SOLE   1,939 0 0
ISHARES CORE US AGGREGATE BOND Mutual Funds 464287226   383,530 3,958 SH   SOLE   3,958 0 0
ISHARES MSCI EAFE Mutual Funds 464287465   631,722 8,355 SH   SOLE   8,355 0 0
ISHARES MSCI EAFE SMALL CAP Mutual Funds 464288273   1,277,876 21,035 SH   SOLE   21,035 0 0
ISHARES MSCI EMERGING MKTS SMAL Mutual Funds 464286475   604,365 10,395 SH   SOLE   10,395 0 0
ISHARES RUSSELL 1000 GROWTH Mutual Funds 464287614   2,234,391 5,564 SH   SOLE   5,564 0 0
ISHARES RUSSELL 1000 VALUE Mutual Funds 464287598   1,125,220 6,078 SH   SOLE   6,078 0 0
ISHARES RUSSELL 2000 Mutual Funds 464287655   3,616,231 16,366 SH   SOLE   16,366 0 0
ISHARES RUSSELL 2000 GROWTH Mutual Funds 464287648   223,061 775 SH   SOLE   775 0 0
ISHARES RUSSELL MID-CAP ETF Mutual Funds 464287499   519,792 5,880 SH   SOLE   5,880 0 0
ISHARES S&P 500 BARRA VALUE Mutual Funds 464287408   799,787 4,190 SH   SOLE   4,190 0 0
ISHARES S&P 500 GROWTH Mutual Funds 464287309   611,515 6,023 SH   SOLE   6,023 0 0
ISHARES S&P SMALL-CAP 600 VALUE Mutual Funds 464287879   208,531 1,920 SH   SOLE   1,920 0 0
J.P. MORGAN CHASE & Equities 46625H100   1,368,984 5,711 SH   SOLE   5,711 0 0
JOHNSON & JOHNSON Equities 478160104   1,398,765 9,672 SH   SOLE   9,672 0 0
KIMBERLY-CLARK Equities 494368103   350,532 2,675 SH   SOLE   2,675 0 0
L3HARRIS TECHNOLOGIES INC Equities 502431109   254,439 1,210 SH   SOLE   1,210 0 0
LILLY ELI & CO. Equities 532457108   478,640 620 SH   SOLE   620 0 0
LIVE OAK BANCSHARES INC Equities 53803X105   13,075,230 330,600 SH   SOLE   330,600 0 0
LOWES COMPANIES Equities 548661107   262,595 1,064 SH   DFND   1,064 0 0
LOWES COMPANIES Equities 548661107   1,230,051 4,984 SH   SOLE   4,984 0 0
MANULIFE FINL CORP Equities 56501R106   272,183 8,863 SH   SOLE   8,863 0 0
MASTERCARD INC Equities 57636Q104   379,130 720 SH   SOLE   720 0 0
MCDONALDS CORP Equities 580135101   729,653 2,517 SH   SOLE   2,517 0 0
MERCK & CO INC NEWCOM Equities 58933Y105   2,573,548 25,870 SH   SOLE   25,870 0 0
META PLATFORMS INC. CL A Equities 30303M102   1,077,924 1,841 SH   SOLE   1,841 0 0
MICROSOFT CORPORATION Equities 594918104   340,994 809 SH   DFND   809 0 0
MICROSOFT CORPORATION Equities 594918104   7,840,743 18,602 SH   SOLE   18,602 0 0
NCINO INC COM Equities 63947X101   4,423,225 131,722 SH   SOLE   131,722 0 0
NEXTERA ENERGY INCCOM Equities 65339F101   36,132 504 SH   DFND   504 0 0
NEXTERA ENERGY INCCOM Equities 65339F101   210,052 2,930 SH   SOLE   2,930 0 0
NVIDIA CORP Equities 67066G104   894,371 6,660 SH   SOLE   6,660 0 0
ORACLE CORP Equities 68389X105   455,927 2,736 SH   SOLE   2,736 0 0
PARKER HANNIFIN CORP Equities 701094104   403,879 635 SH   SOLE   635 0 0
PAYCHEX INC Equities 704326107   645,152 4,601 SH   SOLE   4,601 0 0
PEPSICO, INC. Equities 713448108   837,546 5,508 SH   SOLE   5,508 0 0
PFIZER INC Equities 717081103   767,911 28,945 SH   SOLE   28,945 0 0
PROCTER & GAMBLE CO Equities 742718109   1,216,468 7,256 SH   SOLE   7,256 0 0
ROYAL BANK OF CANADA Equities 780087102   3,017,932 25,043 SH   SOLE   25,043 0 0
SCHWAB US LARGE CAP GROWTH ETF Mutual Funds 808524300   276,470 9,920 SH   SOLE   9,920 0 0
SONOCO PRODUCTS CO Equities 835495102   793,715 16,248 SH   SOLE   16,248 0 0
SOUTHERN CO. Equities 842587107   354,717 4,309 SH   SOLE   4,309 0 0
SPDR PORTFOLIO LARGE CAP ETF Mutual Funds 78464A854   419,086 6,079 SH   SOLE   6,079 0 0
SPDR S&P 500 Mutual Funds 78462F103   18,374,780 31,352 SH   SOLE   31,352 0 0
STATE STREET CORP Equities 857477103   404,084 4,117 SH   SOLE   4,117 0 0
SYSCO CORP Equities 871829107   359,897 4,707 SH   SOLE   4,707 0 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100   1,751,539 8,869 SH   SOLE   8,869 0 0
TARGET CORP. Equities 87612E106   476,374 3,524 SH   SOLE   3,524 0 0
TG THERAPEUTICS INC Equities 88322Q108   319,060 10,600 SH   SOLE   10,600 0 0
TJX COS INC Equities 872540109   293,206 2,427 SH   SOLE   2,427 0 0
TRUIST FINANCIAL ORD SHS Equities 89832Q109   1,160,285 26,747 SH   SOLE   26,747 0 0
UNITEDHEALTH GRP INC Equities 91324P102   1,204,959 2,382 SH   SOLE   2,382 0 0
VANGUARD FTSE ALL WORLD SC ETF Mutual Funds 922042718   488,830 4,270 SH   SOLE   4,270 0 0
VANGUARD FTSE DEVELOPED MKTS ET Mutual Funds 921943858   8,818,792 184,416 SH   SOLE   184,416 0 0
VANGUARD FTSE EMERGING MARKETS Mutual Funds 922042858   4,791,294 108,794 SH   SOLE   108,794 0 0
VANGUARD GROWTH ETF Mutual Funds 922908736   6,916,552 16,852 SH   SOLE   16,852 0 0
VANGUARD MID-CAP ETF Mutual Funds 922908629   18,982,759 71,869 SH   SOLE   71,869 0 0
VANGUARD S&P 500 Mutual Funds 922908363   27,991,180 51,950 SH   SOLE   51,950 0 0
VANGUARD SMALL CAP GROWTH ETF Mutual Funds 922908595   2,363,999 8,441 SH   SOLE   8,441 0 0
VANGUARD SMALL CAP VALUE ETF Mutual Funds 922908611   1,751,713 8,839 SH   SOLE   8,839 0 0
VANGUARD SMALL-CAP ETF Mutual Funds 922908751   12,174,965 50,670 SH   SOLE   50,670 0 0
VANGUARD VALUE ETF Mutual Funds 922908744   5,023,131 29,670 SH   SOLE   29,670 0 0
VISA INC Equities 92826C839   2,316,257 7,329 SH   SOLE   7,329 0 0
VULCAN MATERIALS CO Equities 929160109   296,072 1,151 SH   SOLE   1,151 0 0
WAL-MART STORES INC Equities 931142103   2,256,762 24,978 SH   SOLE   24,978 0 0
WASTE MANAGEMENT INC Equities 94106L109   349,298 1,731 SH   SOLE   1,731 0 0