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   504,651 3,252 SH   SOLE   3,252 0 0
ABBVIE INC COM 00287Y109   235,708 1,018 SH   SOLE   1,018 0 0
AFLAC INC COM 001055102   502,203 4,496 SH   SOLE   4,496 0 0
ALTRIA GROUP INC COM 02209S103   323,694 4,900 SH   SOLE   4,900 0 0
AMERICAN EXPRESS CO COM 025816109   931,426 2,804 SH   SOLE   2,804 0 0
AMGEN INC COM 031162100   396,635 1,406 SH   SOLE   1,406 0 0
APPLE INC COM 037833100   1,581,826 6,212 SH   SOLE   6,212 0 0
AT&T INC COM 00206R102   263,945 9,346 SH   SOLE   9,346 0 0
BANK NEW YORK MELLON COR COM 064058100   1,111,392 10,200 SH   SOLE   10,200 0 0
BANK OF AMERICA CORP COM 060505104   287,511 5,573 SH   SOLE   5,573 0 0
BERKSHIRE HATHAWAY CLASS B COM 084670702   623,900 1,241 SH   SOLE   1,241 0 0
BOEING CO COM 097023105   545,187 2,526 SH   SOLE   2,526 0 0
BP P L C FSPONSORED ADR 1 ADR REPS 6 ORD SHS ADR 055622104   219,269 6,363 SH   SOLE   6,363 0 0
CATERPILLAR INC COM 149123101   1,258,335 2,637 SH   SOLE   2,637 0 0
CHEVRON CORP NEW COM 166764100   461,656 2,973 SH   SOLE   2,973 0 0
CISCO SYS INC COM 17275R102   818,206 11,959 SH   SOLE   11,959 0 0
CITIGROUP INC COM 172967424   338,401 3,334 SH   SOLE   3,334 0 0
CONSTELLATION ENERGY COR COM 21037T109   219,161 666 SH   SOLE   666 0 0
CSX CORP COM 126408103   1,128,153 31,770 SH   SOLE   31,770 0 0
DISNEY WALT CO COM 254687106   497,745 4,347 SH   SOLE   4,347 0 0
ELME COMMUNITIES REIT REIT RET 939653101   366,307 21,726 SH   SOLE   21,726 0 0
ESSEX PPTY TR INC REIT RET 297178105   335,779 1,255 SH   SOLE   1,255 0 0
EXXON MOBIL CORP COM 30231G102   453,154 4,019 SH   SOLE   4,019 0 0
FIRST CTZNS BANCSHARES ICLASS A COM 31946M103   229,012 128 SH   SOLE   128 0 0
FORD MTR CO DEL COM 345370860   122,399 10,234 SH   SOLE   10,234 0 0
FRANKLIN FTSE ASIA EX JAPAN ETF UIE 35473P660   792,311 27,437 SH   SOLE   27,437 0 0
FRANKLIN FTSE CANADA ETF UIE 35473P827   559,832 12,330 SH   SOLE   12,330 0 0
FRANKLIN FTSE INDIA ETF UIE 35473P769   326,810 8,764 SH   SOLE   8,764 0 0
FRANKLIN FTSE JAPAN ETF UIE 35473P744   394,330 11,410 SH   SOLE   11,410 0 0
FRANKLIN FTSE LATIN AMERICA ETF UIE 35473P561   391,336 16,698 SH   SOLE   16,698 0 0
GE AEROSPACE COM 369604301   1,108,522 3,685 SH   SOLE   3,685 0 0
GE VERNOVA INC COM 36828A101   566,323 921 SH   SOLE   921 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   1,111,665 1,396 SH   SOLE   1,396 0 0
GSK PLC ADR FSPONSORED ADR 1 ADR REPS 2 ORD SHS ADR 37733W204   589,436 13,657 SH   SOLE   13,657 0 0
HALEON PLC FSPONSORED ADR 1 ADR REPS 2 ORD SHS ADR 405552100   153,145 17,073 SH   SOLE   17,073 0 0
HOME DEPOT INC COM 437076102   901,382 2,225 SH   SOLE   2,225 0 0
HONEYWELL INTL INC COM 438516106   1,613,997 7,667 SH   SOLE   7,667 0 0
IBM CORP COM 459200101   3,310,025 11,731 SH   SOLE   11,731 0 0
INTEL CORP COM 458140100   583,015 17,378 SH   SOLE   17,378 0 0
INTERNTNL PAPER CO COM 460146103   325,728 7,020 SH   SOLE   7,020 0 0
INVESCO INDIA ETF UIE 46137R109   411,202 16,402 SH   SOLE   16,402 0 0
ISHARES CHINA LARGE CAP ETF UIE 464287184   542,483 13,186 SH   SOLE   13,186 0 0
ISHARES CORE MSCI EMERGING ETF UIE 46434G103   514,151 7,800 SH   SOLE   7,800 0 0
ISHARES CORE MSCI PACIFIC ETF UIE 46434V696   677,074 9,221 SH   SOLE   9,221 0 0
ISHARES CORE MSCI EUROPEETF UIE 46434V738   282,562 4,148 SH   SOLE   4,148 0 0
ISHARES EUROPE ETF UIE 464287861   283,332 4,327 SH   SOLE   4,327 0 0
ISHARES JP MRGN EM HIGH YLD BD ETF UIE 464286285   417,241 10,513 SH   SOLE   10,513 0 0
ISHARES JPMORGAN USD MTSBOND ETF UIE 464288281   784,866 8,245 SH   SOLE   8,245 0 0
ISHARES LATIN AMERICA 40ETF UIE 464287390   1,071,776 37,099 SH   SOLE   37,099 0 0
ISHARES MBS ETF UIE 464288588   233,879 2,458 SH   SOLE   2,458 0 0
ISHARES MSCI ALL COUNT ASA EX JP ETF UIE 464288182   327,662 3,592 SH   SOLE   3,592 0 0
ISHARES MSCI CANADA ETF UIE 464286509   246,128 4,869 SH   SOLE   4,869 0 0
ISHARES MSCI CHINA ETF UIE 46429B671   339,062 5,149 SH   SOLE   5,149 0 0
ISHARES MSCI EAFE ETF UIE 464287465   286,459 3,068 SH   SOLE   3,068 0 0
ISHARES MSCI EAFE GROWTHETF UIE 464288885   268,529 2,358 SH   SOLE   2,358 0 0
ISHARES MSCI EMERGING MARKETS AS ETF UIE 464286426   549,674 5,991 SH   SOLE   5,991 0 0
ISHARES MSCI INDIA INDEXETF UIE 46429B598   346,511 6,656 SH   SOLE   6,656 0 0
ISHARES MSCI JAPAN ETF UIE 46434G822   327,497 4,083 SH   SOLE   4,083 0 0
ISHARES MSCI JAPAN SMALLCAP ETF UIE 464286582   518,185 5,630 SH   SOLE   5,630 0 0
ISHARES MSCI PACIFIC EX JAPAN ETF UIE 464286665   420,884 8,163 SH   SOLE   8,163 0 0
JOHNSON & JOHNSON COM 478160104   694,948 3,748 SH   SOLE   3,748 0 0
JPMORGAN BETABUILDERS CANADA ETF UIE 46641Q225   931,296 10,676 SH   SOLE   10,676 0 0
JPMORGAN BETABUILDERS EUROPE ETF UIE 46641Q191   740,810 10,642 SH   SOLE   10,642 0 0
JPMORGAN BETABUILDERS JAPAN ETF UIE 46641Q217   359,653 5,423 SH   SOLE   5,423 0 0
JPMORGAN CHASE & CO COM 46625H100   1,753,854 5,560 SH   SOLE   5,560 0 0
KIMCO RLTY CORP REIT RET 49446R109   238,117 10,898 SH   SOLE   10,898 0 0
MARSH & MCLENNAN COS INC COM 571748102   302,295 1,500 SH   SOLE   1,500 0 0
MCDONALDS CORP COM 580135101   755,244 2,485 SH   SOLE   2,485 0 0
MERCK & CO. INC. COM 58933Y105   615,917 7,338 SH   SOLE   7,338 0 0
MICROSOFT CORP COM 594918104   2,175,316 4,200 SH   SOLE   4,200 0 0
MONDELEZ INTL INC CLASS A COM 609207105   213,960 3,425 SH   SOLE   3,425 0 0
NIKE INC CLASS CLASS B COM 654106103   304,197 4,362 SH   SOLE   4,362 0 0
PHILIP MORRIS INTL INC COM 718172109   794,780 4,900 SH   SOLE   4,900 0 0
PPL CORP COM 69351T106   375,316 10,100 SH   SOLE   10,100 0 0
PROCTER & GAMBLE CO COM 742718109   1,542,958 10,042 SH   SOLE   10,042 0 0
PROLOGIS INC REIT RET 74340W103   320,083 2,795 SH   SOLE   2,795 0 0
RTX CORP COM 75513E101   389,439 2,327 SH   SOLE   2,327 0 0
SALESFORCE INC COM 79466L302   221,951 937 SH   SOLE   937 0 0
SCHWAB EMERGING MARKETS EQUITY ETF UIE 808524706   441,410 13,228 SH   SOLE   13,228 0 0
SCHWAB INTERNATNAL SMALLCAP EQY ETF UIE 808524888   880,033 19,337 SH   SOLE   19,337 0 0
SCHWAB US LARGE CAP GROWTH ETF UIE 808524300   441,124 13,824 SH   SOLE   13,824 0 0
SCHWAB US SMALL CAP ETF UIE 808524607   740,375 26,537 SH   SOLE   26,537 0 0
SIMON PPTY GROUP INC NEWREIT RET 828806109   634,888 3,383 SH   SOLE   3,383 0 0
SPDR BLMBRG BRCLY HGH YDBND ETF UIE 78468R622   480,628 4,905 SH   SOLE   4,905 0 0
SPDR PORTFOLIO DVLPD WRLD EX-US ETF UIE 78463X889   292,726 6,841 SH   SOLE   6,841 0 0
SPDR PORTFOLIO HIGH YIELD BND ETF UIE 78468R606   537,201 22,439 SH   SOLE   22,439 0 0
SPDR S&P CHINA ETF UIE 78463X400   957,928 9,126 SH   SOLE   9,126 0 0
SPDR S&P EMERGING ASIA PACIFIC ETF UIE 78463X301   514,608 3,702 SH   SOLE   3,702 0 0
THE COCA-COLA CO COM 191216100   558,645 8,423 SH   SOLE   8,423 0 0
TRAVELERS COS INC COM 89417E109   1,113,185 3,987 SH   SOLE   3,987 0 0
UMH PPTYS INC REIT RET 903002103   172,431 11,612 SH   SOLE   11,612 0 0
UNION PAC CORP COM 907818108   567,288 2,400 SH   SOLE   2,400 0 0
UNITEDHEALTH GROUP INC COM 91324P102   710,329 2,057 SH   SOLE   2,057 0 0
VANECK AFRICA INDEX ETF UIE 92189F866   570,502 23,410 SH   SOLE   23,410 0 0
VANECK EMERGING MRK HGH YLD BND ETF UIE 92189F353   339,436 16,930 SH   SOLE   16,930 0 0
VANGUARD EMERGING MARKT GOVT BND ETF UIE 921946885   1,135,925 16,979 SH   SOLE   16,979 0 0
VANGUARD EXTENDED MARKETETF UIE 922908652   1,388,527 6,633 SH   SOLE   6,633 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF UIE 921943858   424,773 7,089 SH   SOLE   7,089 0 0
VANGUARD FTSE EMERGING MARKETS ETF UIE 922042858   299,561 5,529 SH   SOLE   5,529 0 0
VANGUARD FTSE EUROPE ETF UIE 922042874   739,763 9,270 SH   SOLE   9,270 0 0
VANGUARD FTSE PACIFIC ETF UIE 922042866   615,547 7,008 SH   SOLE   7,008 0 0
VANGUARD GLBAL EX US REAL ESTATE ETF UIE 922042676   635,433 13,310 SH   SOLE   13,310 0 0
VANGUARD MID CAP ETF UIE 922908629   1,569,906 5,345 SH   SOLE   5,345 0 0
VANGUARD MORTGAGE BACKEDSEC ETF UIE 92206C771   237,195 5,051 SH   SOLE   5,051 0 0
VANGUARD S&P 500 ETF UIE 922908363   836,755 1,366 SH   SOLE   1,366 0 0
VANGUARD SMALL CAP ETF UIE 922908751   3,645,522 14,337 SH   SOLE   14,337 0 0
VANGUARD TOTAL INTERNATIONAL BND ETF UIE 92203J407   214,063 4,328 SH   SOLE   4,328 0 0
VANGUARD TOTAL STOCK MARKET ETF UIE 922908769   2,651,110 8,078 SH   SOLE   8,078 0 0
VERIZON COMMUNICATIONS I COM 92343V104   650,426 14,799 SH   SOLE   14,799 0 0
VGRD FTSE ALL WRLD EX USSML CAP ETF UIE 922042718   742,971 5,212 SH   SOLE   5,212 0 0
VISA INC CLASS A COM 92826C839   920,599 2,697 SH   SOLE   2,697 0 0
VORNADO RLTY TR REIT RET 929042109   214,435 5,291 SH   SOLE   5,291 0 0
WALGREENS BOOTS ALLIANCE COM 931CVR013   0 10,931 SH   SOLE   10,931 0 0
WALMART INC COM 931142103   1,925,910 18,687 SH   SOLE   18,687 0 0