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 CO COM 88579Y101   495,017 3,252 SH   SOLE   3,252 0 0
AFLAC INC COM 001055102   474,148 4,496 SH   SOLE   4,496 0 0
ALTRIA GROUP INC COM 02209S103   287,287 4,900 SH   SOLE   4,900 0 0
AMERICAN EXPRESS CO COM 025816109   894,467 2,804 SH   SOLE   2,804 0 0
AMGEN INC COM 031162100   392,433 1,406 SH   SOLE   1,406 0 0
APPLE INC COM 037833100   1,274,532 6,212 SH   SOLE   6,212 0 0
AT&T INC COM 00206R102   270,402 9,344 SH   SOLE   9,344 0 0
BANK NEW YORK MELLON COR COM 064058100   929,322 10,200 SH   SOLE   10,200 0 0
BANK OF AMERICA CORP COM 060505104   263,714 5,573 SH   SOLE   5,573 0 0
BERKSHIRE HATHAWAY CLASS B COM 084670702   602,841 1,241 SH   SOLE   1,241 0 0
BOEING CO COM 097023105   529,273 2,526 SH   SOLE   2,526 0 0
CATERPILLAR INC COM 149123101   1,023,783 2,637 SH   SOLE   2,637 0 0
CHEVRON CORP NEW COM 166764100   425,612 2,972 SH   SOLE   2,972 0 0
CISCO SYS INC COM 17275R102   829,476 11,956 SH   SOLE   11,956 0 0
CITIGROUP INC COM 172967424   283,790 3,334 SH   SOLE   3,334 0 0
CONSTELLATION ENERGY COR COM 21037T109   214,958 666 SH   SOLE   666 0 0
CSX CORP COM 126408103   1,036,655 31,770 SH   SOLE   31,770 0 0
DISNEY WALT CO COM 254687106   539,086 4,347 SH   SOLE   4,347 0 0
DOW INC COM 260557103   215,581 8,141 SH   SOLE   8,141 0 0
ELME COMMUNITIES REIT REIT RET 939653101   345,290 21,716 SH   SOLE   21,716 0 0
ESSEX PPTY TR INC REIT RET 297178105   355,525 1,255 SH   SOLE   1,255 0 0
EXXON MOBIL CORP COM 30231G102   432,834 4,015 SH   SOLE   4,015 0 0
FIRST CTZNS BANCSHARES ICLASS A COM 31946M103   250,428 128 SH   SOLE   128 0 0
FORD MTR CO DEL COM 345370860   111,039 10,234 SH   SOLE   10,234 0 0
FRANKLIN FTSE ASIA EX JAPAN ETF UIE 35473P660   713,368 27,437 SH   SOLE   27,437 0 0
FRANKLIN FTSE CANADA ETF UIE 35473P827   514,793 12,330 SH   SOLE   12,330 0 0
FRANKLIN FTSE INDIA ETF UIE 35473P769   349,070 8,764 SH   SOLE   8,764 0 0
FRANKLIN FTSE JAPAN ETF UIE 35473P744   366,832 11,410 SH   SOLE   11,410 0 0
FRANKLIN FTSE LATIN AMERICA ETF UIE 35473P561   362,514 16,698 SH   SOLE   16,698 0 0
GE AEROSPACE COM 369604301   948,482 3,685 SH   SOLE   3,685 0 0
GE VERNOVA INC COM 36828A101   487,347 921 SH   SOLE   921 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   987,984 1,396 SH   SOLE   1,396 0 0
GSK PLC ADR FSPONSORED ADR 1 ADR REPS 2 ORD SHS ADR 37733W204   524,429 13,657 SH   SOLE   13,657 0 0
HALEON PLC FSPONSORED ADR 1 ADR REPS 2 ORD SHS ADR 405552100   177,047 17,073 SH   SOLE   17,073 0 0
HOME DEPOT INC COM 437076102   815,518 2,224 SH   SOLE   2,224 0 0
HONEYWELL INTL INC COM 438516106   1,785,594 7,667 SH   SOLE   7,667 0 0
IBM CORP COM 459200101   3,458,071 11,731 SH   SOLE   11,731 0 0
INTEL CORP COM 458140100   389,256 17,378 SH   SOLE   17,378 0 0
INTERNTNL PAPER CO COM 460146103   328,747 7,020 SH   SOLE   7,020 0 0
INVESCO INDIA ETF UIE 46137R109   442,038 16,402 SH   SOLE   16,402 0 0
ISHARES CHINA LARGE CAP ETF UIE 464287184   484,727 13,186 SH   SOLE   13,186 0 0
ISHARES CORE MSCI EMERGING ETF UIE 46434G103   468,212 7,800 SH   SOLE   7,800 0 0
ISHARES CORE MSCI PACIFIC ETF UIE 46434V696   633,460 9,221 SH   SOLE   9,221 0 0
ISHARES CORE MSCI EUROPEETF UIE 46434V738   274,598 4,148 SH   SOLE   4,148 0 0
ISHARES EUROPE ETF UIE 464287861   273,683 4,327 SH   SOLE   4,327 0 0
ISHARES JP MRGN EM HIGH YLD BD ETF UIE 464286285   409,672 10,513 SH   SOLE   10,513 0 0
ISHARES JPMORGAN USD MTSBOND ETF UIE 464288281   762,477 8,232 SH   SOLE   8,232 0 0
ISHARES LATIN AMERICA 40ETF UIE 464287390   972,352 37,099 SH   SOLE   37,099 0 0
ISHARES MBS ETF UIE 464288588   230,782 2,458 SH   SOLE   2,458 0 0
ISHARES MSCI ALL COUNT ASA EX JP ETF UIE 464288182   296,771 3,592 SH   SOLE   3,592 0 0
ISHARES MSCI CANADA ETF UIE 464286509   224,948 4,869 SH   SOLE   4,869 0 0
ISHARES MSCI CHINA ETF UIE 46429B671   283,710 5,149 SH   SOLE   5,149 0 0
ISHARES MSCI EAFE ETF UIE 464287465   274,249 3,068 SH   SOLE   3,068 0 0
ISHARES MSCI EAFE GROWTHETF UIE 464288885   264,096 2,358 SH   SOLE   2,358 0 0
ISHARES MSCI EMERGING MARKETS ASIA E UIE 464286426   494,557 5,991 SH   SOLE   5,991 0 0
ISHARES MSCI INDIA INDEXETF UIE 46429B598   370,606 6,656 SH   SOLE   6,656 0 0
ISHARES MSCI JAPAN ETF UIE 46434G822   306,103 4,083 SH   SOLE   4,083 0 0
ISHARES MSCI JAPAN SMALLCAP ETF UIE 464286582   477,931 5,630 SH   SOLE   5,630 0 0
ISHARES MSCI PACIFIC EX JAPAN ETF UIE 464286665   403,007 8,163 SH   SOLE   8,163 0 0
JOHNSON & JOHNSON COM 478160104   572,502 3,748 SH   SOLE   3,748 0 0
JPMORGAN BETABUILDERS CANADA ETF UIE 46641Q225   860,764 10,666 SH   SOLE   10,666 0 0
JPMORGAN BETABUILDERS EUROPE ETF UIE 46641Q191   717,929 10,642 SH   SOLE   10,642 0 0
JPMORGAN BETABUILDERS JAPAN ETF UIE 46641Q217   335,033 5,423 SH   SOLE   5,423 0 0
JPMORGAN CHASE & CO COM 46625H100   1,610,384 5,555 SH   SOLE   5,555 0 0
KIMCO RLTY CORP REIT RET 49446R109   228,771 10,883 SH   SOLE   10,883 0 0
MARRIOTT INTL INC NEW CLASS A COM 571903202   202,175 740 SH   SOLE   740 0 0
MARSH & MCLENNAN COS INC COM 571748102   327,960 1,500 SH   SOLE   1,500 0 0
MCDONALDS CORP COM 580135101   726,117 2,485 SH   SOLE   2,485 0 0
MERCK & CO. INC. COM 58933Y105   580,718 7,336 SH   SOLE   7,336 0 0
MICROSOFT CORP COM 594918104   2,089,051 4,200 SH   SOLE   4,200 0 0
MONDELEZ INTL INC CLASS A COM 609207105   230,982 3,425 SH   SOLE   3,425 0 0
NIKE INC CLASS B COM 654106103   309,845 4,362 SH   SOLE   4,362 0 0
PHILIP MORRIS INTL INC COM 718172109   892,437 4,900 SH   SOLE   4,900 0 0
PPL CORP COM 69351T106   342,289 10,100 SH   SOLE   10,100 0 0
PROCTER & GAMBLE CO COM 742718109   1,599,896 10,042 SH   SOLE   10,042 0 0
PROLOGIS INC REIT RET 74340W103   293,810 2,795 SH   SOLE   2,795 0 0
RTX CORP COM 75513E101   339,658 2,326 SH   SOLE   2,326 0 0
SALESFORCE INC COM 79466L302   255,374 937 SH   SOLE   937 0 0
SCHWAB EMERGING MARKETS EQUITY ETF UIE 808524706   398,684 13,228 SH   SOLE   13,228 0 0
SCHWAB INTERNATNAL SMALLCAP EQY ETF UIE 808524888   823,568 19,337 SH   SOLE   19,337 0 0
SCHWAB US LARGE CAP GROWTH ETF UIE 808524300   403,799 13,824 SH   SOLE   13,824 0 0
SCHWAB US SMALL CAP ETF UIE 808524607   671,380 26,537 SH   SOLE   26,537 0 0
SIMON PPTY GROUP INC NEWREIT RET 828806109   543,851 3,383 SH   SOLE   3,383 0 0
SPDR BLMBRG BRCLY HGH YDBND ETF UIE 78468R622   477,096 4,905 SH   SOLE   4,905 0 0
SPDR PORTFOLIO DEVELOPEDWORLD EX-US UIE 78463X889   276,992 6,841 SH   SOLE   6,841 0 0
SPDR PORTFOLIO HIGH YIELD BOND ETF UIE 78468R606   529,622 22,253 SH   SOLE   22,253 0 0
SPDR S&P CHINA ETF UIE 78463X400   798,958 9,126 SH   SOLE   9,126 0 0
SPDR S&P EMERGING ASIA PACIFIC ETF UIE 78463X301   467,894 3,702 SH   SOLE   3,702 0 0
THE COCA-COLA CO COM 191216100   595,821 8,422 SH   SOLE   8,422 0 0
TRAVELERS COS INC COM 89417E109   1,066,620 3,987 SH   SOLE   3,987 0 0
UMH PPTYS INC REIT RET 903002103   194,957 11,612 SH   SOLE   11,612 0 0
UNION PAC CORP COM 907818108   552,192 2,400 SH   SOLE   2,400 0 0
UNITEDHEALTH GROUP INC COM 91324P102   641,650 2,057 SH   SOLE   2,057 0 0
VANECK AFRICA INDEX ETF UIE 92189F866   471,946 23,410 SH   SOLE   23,410 0 0
VANECK EMERGING MRK HGH YLD BND ETF UIE 92189F353   335,543 16,930 SH   SOLE   16,930 0 0
VANGUARD EMERGING MKTS GOV BOND ETF UIE 921946885   1,108,130 16,957 SH   SOLE   16,957 0 0
VANGUARD EXTENDED MARKETETF UIE 922908652   1,277,561 6,629 SH   SOLE   6,629 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF UIE 921943858   404,144 7,089 SH   SOLE   7,089 0 0
VANGUARD FTSE EMERGING MARKETS ETF UIE 922042858   273,464 5,529 SH   SOLE   5,529 0 0
VANGUARD FTSE EUROPE ETF UIE 922042874   718,076 9,265 SH   SOLE   9,265 0 0
VANGUARD FTSE PACIFIC ETF UIE 922042866   575,884 7,008 SH   SOLE   7,008 0 0
VANGUARD GLBAL EX US REAL ESTATE ETF UIE 922042676   614,270 13,310 SH   SOLE   13,310 0 0
VANGUARD MID CAP ETF UIE 922908629   1,495,864 5,345 SH   SOLE   5,345 0 0
VANGUARD MORTGAGE BACKEDSEC ETF UIE 92206C771   234,064 5,051 SH   SOLE   5,051 0 0
VANGUARD S&P 500 ETF UIE 922908363   776,155 1,366 SH   SOLE   1,366 0 0
VANGUARD SMALL CAP ETF UIE 922908751   3,426,568 14,459 SH   SOLE   14,459 0 0
VANGUARD TOTAL INTERNATIONAL BOND ET UIE 92203J407   214,279 4,328 SH   SOLE   4,328 0 0
VANGUARD TOTAL STOCK MARKET ETF UIE 922908769   2,707,550 8,908 SH   SOLE   8,908 0 0
VERIZON COMMUNICATIONS I COM 92343V104   640,187 14,795 SH   SOLE   14,795 0 0
VGRD FTSE ALL WRLD EX USSML CAP ETF UIE 922042718   700,441 5,212 SH   SOLE   5,212 0 0
VISA INC CLASS A COM 92826C839   957,409 2,697 SH   SOLE   2,697 0 0
VORNADO RLTY TR REIT RET 929042109   202,319 5,291 SH   SOLE   5,291 0 0
WALGREENS BOOTS ALLIANCE COM 931427108   125,483 10,931 SH   SOLE   10,931 0 0
WALMART INC COM 931142103   1,827,144 18,686 SH   SOLE   18,686 0 0